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Category: Asia Pacific

  • MIL-OSI New Zealand: Police seek footage of night market assaults

    Source: New Zealand Police

    Police is seeking additional footage as part of the investigation into an alleged stabbing at the Pakuranga Night Markets.

    Counties Manukau Police charged a 23-year-old man over the incident, who has been remanded in custody to reappear in court next month.

    “We are aware a number of people filmed the violent assault taking place on Saturday evening,” Counties Manukau East Area Investigations Manager, Detective Senior Sergeant Dean Batey says.

    “While we are not seeking anyone else in connection with the incident, this footage will be beneficial as part of the prosecution phase.”

    Please contact Police if you have footage to provide.

    You can update Police online now or call 105 using the reference number 250621/0744.

    Meanwhile, Detective Senior Sergeant Batey says both victims are continuing to make a recovery after their ordeals.

    “Police will be speaking with both victims further, and we can advise they are both in a stable condition in Middlemore Hospital.”

    ENDS.

    Jarred Williamson/NZ Police

    MIL OSI New Zealand News –

    June 26, 2025
  • MIL-OSI New Zealand: Tech – Avast Makes AI-Driven Scam Defense Available for Free Worldwide

    Source: Botica Butler Raudon Partners & Passion – for Avast

    Avast debuts Avast Scam Guardian and Scam Guardian Pro as data breaches and scams soar.

    Auckland, 26 June 2025 – Driven by a commitment to make cutting-edge scam protection available to everyone, Avast, a leader in digital security and privacy and part of Gen (NASDAQ: GEN), has unveiled Avast Scam Guardian, a new AI-powered offering integrated into its award-winning* Avast Free Antivirus.

    Cybercriminals continue to abuse AI to craft increasingly convincing scam attacks at an alarming rate. Available at no cost, the new service marks a significant step forward in democratising AI scam protection. A premium version, Avast Scam Guardian Pro, has also been added to Avast Premium Security, giving customers an enhanced layer of AI protection against email scams.

    “Today’s scams aren’t crude or obvious – they’re tailored, targeted, and AI-enhanced, making it harder than ever to tell the difference between truth and deception,” said Leena Elias, Chief Product Officer at Gen. “As scammers take advantage of rising data breaches and leaked personal information, anyone anywhere can become a victim of scams. That’s why it’s never been more important to make powerful AI-powered scam protection available to everyone, everywhere. We’re levelling the playing field with world class scam defense that helps people strengthen their digital and financial safety.”

    According to the recent Q1/2025 Gen Threat Report, breached records of individuals surged by more than 186% between January and March 2025, revealing sensitive information such as passwords, emails, and credit card details. Over the same timeframe, reports of phishing scams rose by 466% compared to the previous quarter, making up almost a third of all scam submissions observed by Gen.  

    As data breaches rise, so do the opportunities for attackers to exploit leaked information to launch targeted, hyper-personalised scam campaigns that are harder than ever to spot. Like a seasoned scam investigator, Avast Scam Guardian uses proprietary AI trained on scam data from Gen Threat Labs to go beyond just detecting malicious URLs – it also analyses context and language to more effectively identify signs of deceptive or harmful intent. Avast Scam Guardian also helps to pull back the curtain on hidden threats in website code and neutralises them to keep people safer as they browse and shop online.  

    Key features available in Avast Scam Guardian for Avast Free Antivirus, include:

    Avast Assistant: Provides 24/7 AI-powered scam protection guidance on suspicious websites, SMS messages, emails, links, offers, and more. Allows people to engage in open dialogue when they’re unsure about a potential scam and uses natural language to better understand queries and deliver clear advice on what to do next. Available on Windows and Mac.

    Web Guard: Uses the collective power of Gen Threat Labs telemetry and AI trained on millions of frequently visited websites to continuously analyse and detect hidden scams in content and code** – offering unique visibility into dangerous URLs. Available on Windows, Mac, Android, and iOS**.

    Avast Scam Guardian Pro includes everything in Avast Scam Guardian, plus:

    Email Guard: Uses AI to understand the context of emails and the meaning of words to detect scams. Scans and flags safe and suspicious emails before you open them, helping to protect your email wherever you check it, no matter what device you use to log in. Available on Windows, Mac, Android, and iOS***.

    Avast Scam Guardian and Scam Guardian Pro are available to download now as part of Avast Free Antivirus and Avast Premium Security. Later this year, additional AI-powered tools will be added to Avast Scam Guardian Pro for greater protection against sophisticated scams targeting other communication channels, including SMS and phone calls.

    For more information, please visit www.avast.com.  

    *AV-Comparatives, “Top-Rated Product 2024 Award” & AV-Comparatives, “Real-World Protection 2024 Award” – Jan-Dec 2024.

    **Content and code scanning is only available on Windows and Mac.

    **Email Guard is included, but mobile platforms do not have the Scam Guardian user interface.

    About Avast

    Avast is a leader in digital security and privacy, and part of Gen (NASDAQ: GEN), a global company dedicated to powering Digital Freedom with a family of trusted consumer brands. Avast protects hundreds of millions of users from online threats, for Mobile, PC or Mac, and is top-ranked and certified by VB100, AV-Comparatives, AV-Test, SE Labs and others. Avast is a member of the Coalition Against Stalkerware, No More Ransom and Internet Watch Foundation. Learn more at Avast.com.

    MIL OSI New Zealand News –

    June 26, 2025
  • MIL-OSI New Zealand: Police accept IPCA findings following accidental fall

    Source: New Zealand Police

    Police accept the findings by the Independent Police Conduct Authority following the death of a man in Auckland last year.

    On 4 November 2024, Police were called to a commercial property on Boston Road after a report of a man becoming agitated towards staff at the address and paramedics.

    Police officers arrived and instructed the man to leave.

    The man refused to leave despite the officer’s requests, so the officer placed a hand on his shoulder to guide him along.

    The man has then fallen and hit his head on the ground. Unfortunately, he was seriously injured and later died in hospital.

    The IPCA conducted an independent investigation, which included reviewing CCTV footage of the incident, and found the officer did not use force when placing his hand on the man’s shoulder and instead he lost his balance on the sloping driveway and fell to the ground.

    “This was an incredibly unfortunate incident for everyone concerned, including our attending staff,” Auckland City District Commander, Superintendent Sunny Patel, says.

    “Our sympathies remain with the man’s family and friends during what was no doubt a very challenging time.”

    ENDS.

    Holly McKay/NZ Police

    MIL OSI New Zealand News –

    June 26, 2025
  • MIL-OSI New Zealand: Employment Issues – Another day, another attack on workers’ rights – employers can dock pay of workers who take partial strike action – PSA

    Source: PSA

    The Government’s anti-worker agenda has stepped up with the passing into law last night the right for employers to dock the pay of workers who take low level strike action.
    The Employment Relations (Pay Deductions for Partial Strikes) Amendment Bill allows employers to deduct 10% of a worker’s wage for partial strike action such as not performing a task.
    “It’s clear what the agenda is here, this Government wants to give employers even more tools and power to keep wages down and profits high,” said Fleur Fitzsimons National Secretary Public Service Association Te Pūkenga Here Tikanga Mahi.
    “The new law is all about weakening the position of workers when involved in collective bargaining that becomes difficult to settle.
    “There are already only a small range of tools available to workers when negotiations fail. “Every time the Government takes away one of those tools, or puts a price on using them, the power imbalance gets worse, and workers pay the price.
    “The vast majority of collective agreements are settled without industrial action as employers and working people agree on pay and conditions but when that agreement is difficult to find, there are tools that both sides can use help to find agreement. This includes mediation or facilitation ordered by the Employment Relations Authority.
    “If that fails, low level strike action, agreed by union members through a ballot, is a tool workers can use to make their concerns loud and clear to employers.
    “If the Government keeps raiding the toolkit as they are here, they actually risk opening the door to escalating strike action and longer stoppages when the only tool left is a sledgehammer.
    “This is another win for employers, the latest in a long series of extreme anti-worker policies – cancelling pay equity rules, axing of fair pay agreements, the 90 day fire at will law, tightening personal grievance rules, low minimum wage increases and the prospect of cutting sick pay for part-time workers now on the radar.
    “This government has no shame in pursuing an agenda that is blatantly all about giving more power to employers and beating down on workers – the PSA will continue to resist strongly.”
    The Public Service Association Te Pūkenga Here Tikanga Mahi is Aotearoa New Zealand’s largest trade union, representing and supporting more than 95,000 workers across central government, state-owned enterprises, local councils, health boards and community groups.

    MIL OSI New Zealand News –

    June 26, 2025
  • MIL-OSI New Zealand: Sustainability sees rising strategic importance amid increasing strain on professionals

    Source: Sustainable Business Council

    Research released today into New Zealand’s sustainability profession reveals a compelling picture of a profession which is gaining strategic traction, while grappling with systemic challenges.
    The report, Insights on Aotearoa New Zealand Sustainability Professionals, delivered by Oxygen Consulting in collaboration with the Sustainable Business Council (SBC), Sustainable Business Network (SBN) and Auckland University of Technology (AUT), draws on the insights from sustainability professionals across Aotearoa New Zealand, unpacking capability and competencies, remuneration, job opportunities, and overall wellbeing.
    Now in its sixth year, the 2025 findings reveal a sector navigating heightened economic pressures, regulatory complexity, and emotional strain. Despite these headwinds though, the profession is maturing, with sustainability roles increasingly being embedded in core business functions such as strategy and finance.
    Director of Oxygen Consulting Sarah Holden says the 2025 results show sustainability professionals are no longer operating on the fringes but are increasingly central to business resilience and transformation.
    “But with that visibility comes pressure. Our research shows a profession that is passionate and committed but also stretched and in need of greater structural support.”
    Key findings include:
    • 60% of professionals have been in their current role for two years or less, suggesting high turnover and limited career pathways.
    • Only 12% believe current training adequately prepares them for the demands of their roles.
    • Climate anxiety and emotional exhaustion are rising, particularly among younger professionals.
    Professor Marjo Lips-Wiersma of Auckland University of Technology says, “The wellbeing data in this year’s finding is sobering. Sustainability professionals are deeply affected by the issues they work on. As organisations and educators, we must support graduates and sustainability officers at all levels to not only be technically skilled, but also emotionally resilient.”
    Despite these challenges, the findings also highlight:
    • A growing sense of professional competency, with more than 88% of respondents feeling confident in their ability to manage sustainability responsibilities.
    • Increasing integration of sustainability into strategy and finance functions, signalling a shift from compliance to core business value.
    • A growing appetite for business-relevant skills such as financial sustainability, business case development, and influencing.
    “These findings offer crucial insights for our business leaders,” says Mike Burrell, Chief Executive of the Sustainable Business Council.
    “If we want to deliver on our climate and ESG commitments and harness the opportunities sustainability presents, we must invest in the people doing the work. That means providing quality training and adequate development opportunities, as well as demonstrating leadership that champions sustainability from the very top.”
    The findings come at a time when sustainability is increasingly seen as a strategic imperative. Yet, 80% of professionals report no clear development pathway within their organisations.
    “It’s no surprise this report confirms that sustainability is indeed central to business success, export growth and meeting the expectations of global supply chains,” says Rachel Brown, CEO of the Sustainable Business Network.
    “What’s equally clear is that we have the talent, passion and capability in Aotearoa to deliver. Yet to truly succeed they need adequate resourcing, recognition and clear career pathways so their contributions can thrive.”
    The report calls for systems-level investment in training, cross-disciplinary integration, and visible leadership support to ensure the profession can thrive-and deliver the transformation New Zealand businesses need.
    A comprehensive list of training opportunities offered by the report’s partners can be found here.
    Insights on Aotearoa New Zealand Sustainability Professionals is the only research of its kind in New Zealand. Download the full insights report here.
    Notes
    The sustainability experts and partners listed above will be participating in a panel at today’s launch event, responding to the insights and discussing ideas for addressing future challenges.
    Target participants for this research included any employed people who currently have ‘sustainability’ as part or all of their role. ‘Sustainability’ includes responsibilities that address the social, environmental and economic risks to the organisation. The scope included anyone in full time, part time or contractual positions within public, private, non-governmental, charity, and not-for-profit organisations.

    MIL OSI New Zealand News –

    June 26, 2025
  • MIL-OSI USA: Attorney General Bonta, San Mateo District Attorney Wagstaffe Secure Settlement, Full Refunds for Hundreds of California Travelers

    Source: US State of California

    Travel agent failed to offer refunds for trips cancelled due to COVID-19 pandemic

    OAKLAND — California Attorney General Rob Bonta and San Mateo District Attorney Stephen Wagstaffe today announced a settlement with Nawas International Travel Service (Nawas), a California travel agency focusing on religious travel, for failing to provide full refunds to consumers whose trips were cancelled during the COVID-19 pandemic. The settlement today, pending court approval, includes at least $567,138 in full restitution of cancellation fees to affected California travelers, $560,000 in civil penalties under the California’s Unfair Competition Law and Seller of Travel Act, and strong injunctive terms that prohibit Nawas from imposing cancellation fees that violate California law. 

    “We are proud to announce that today, in partnership with the San Mateo District Attorney, we’ve secured full refunds for hundreds of Californians who were harmed by the illegal practices of Nawas International Travel Service. Travel agents operating in California must comply with California’s strong consumer protection laws, which includes providing timely refunds for cancelled travel,” said Attorney General Rob Bonta. “Today’s settlement provides important restitution for those harmed by Nawas’s attempt to disregard California law and a reminder to the travel industry that all California Sellers of Travel need to play by the rules.”  

    “California law provides protections for consumers when purchasing travel from Sellers of Travel. My office was pleased to work with the Attorney General’s Office in this case to ensure these laws were enforced,” said San Mateo District Attorney Stephen Wagstaffe. 

    Nawas is a seller and provider of tours to religious sites around the world, including sites in the Middle East and Europe. Nawas markets its tours largely through clergy and many of Nawas’s travelers are senior citizens. In 2020, due to the COVID-19 pandemic, Nawas cancelled hundreds of international tours. After the cancellation, rather than refunding the full amount of the travelers’ deposits and tour payments, Nawas unlawfully withheld “cancellation fees” of between $200 and $1,150 per traveler. In all, Nawas withheld approximately $560,000 in what they termed cancellation fees from approximately 600 California travelers. Nawas’s withholding of those funds violated the California Seller of Travel Act, which requires sellers of travel to provide full refunds for any travel that they are unable to provide, with certain limited exceptions that do not apply here. Although Nawas claimed to travelers that it was allowed to withhold cancellation fees under its own terms and conditions, the Seller of Travel Act expressly prohibits this where, as here, the seller of travel is unable or unwilling to provide the purchased travel. 

    The Attorney General’s Office operates the Seller of Travel Program, which registers travel agents and certain other travel businesses operating in California. The attorney general and district attorneys can bring enforcement actions against sellers of travel for violations of the law. We encourage any Californian who believes they have been wronged by a seller of travel to contact their local district attorney and file a complaint with our office at ‪www.oag.ca.gov/report.

    Attorney General Bonta is committed to investigating and remedying harm to consumers affected by unlawful and deceptive business practices, including in the travel industry: 

    Earlier this year, Attorney General Bonta announced securing a nine-year jail sentence against Iqbal Randhawa for defrauding more than a dozen members of the South Asian immigrant community in Northern California. Between 2017 and 2020, each victim hired Randhawa, a travel agent, to purchase airline tickets, paying him between $1,100 and $12,000. Instead of buying the tickets, Randhawa provided fraudulent itineraries and stole the funds. Also last year, Attorney General Bonta and San Diego District Attorney Summer Stephan announced the sentencing of Marie Martin, a San Diego-based travel agent and registered seller of travel, who embezzled travel funds from more than 150 parents who paid for eighth-grade school trips to the East Coast. After the school trips were cancelled due to the COVID-19 pandemic, Martin refused to provide refunds to the parents, instead spending funds on personal expenses. In 2021, Attorney General Bonta announced a settlement  with Voyageurs International, resolving allegations that the Colorado-based travel agent offered only partial refunds for a cancelled European trip for California high school students and improperly pocketed their clients’ remaining fees. The settlement required Voyageurs to provide a full refund to its 130 California consumers, for a total of approximately $247,000 in restitution.  

    A copy of the complaint and proposed settlement can be found here and here. The settlement is pending court approval. 

    MIL OSI USA News –

    June 26, 2025
  • MIL-OSI USA: Attorney General Bonta, San Mateo District Attorney Wagstaffe Secure Settlement, Full Refunds for Hundreds of California Travelers

    Source: US State of California

    Travel agent failed to offer refunds for trips cancelled due to COVID-19 pandemic

    OAKLAND — California Attorney General Rob Bonta and San Mateo District Attorney Stephen Wagstaffe today announced a settlement with Nawas International Travel Service (Nawas), a California travel agency focusing on religious travel, for failing to provide full refunds to consumers whose trips were cancelled during the COVID-19 pandemic. The settlement today, pending court approval, includes at least $567,138 in full restitution of cancellation fees to affected California travelers, $560,000 in civil penalties under the California’s Unfair Competition Law and Seller of Travel Act, and strong injunctive terms that prohibit Nawas from imposing cancellation fees that violate California law. 

    “We are proud to announce that today, in partnership with the San Mateo District Attorney, we’ve secured full refunds for hundreds of Californians who were harmed by the illegal practices of Nawas International Travel Service. Travel agents operating in California must comply with California’s strong consumer protection laws, which includes providing timely refunds for cancelled travel,” said Attorney General Rob Bonta. “Today’s settlement provides important restitution for those harmed by Nawas’s attempt to disregard California law and a reminder to the travel industry that all California Sellers of Travel need to play by the rules.”  

    “California law provides protections for consumers when purchasing travel from Sellers of Travel. My office was pleased to work with the Attorney General’s Office in this case to ensure these laws were enforced,” said San Mateo District Attorney Stephen Wagstaffe. 

    Nawas is a seller and provider of tours to religious sites around the world, including sites in the Middle East and Europe. Nawas markets its tours largely through clergy and many of Nawas’s travelers are senior citizens. In 2020, due to the COVID-19 pandemic, Nawas cancelled hundreds of international tours. After the cancellation, rather than refunding the full amount of the travelers’ deposits and tour payments, Nawas unlawfully withheld “cancellation fees” of between $200 and $1,150 per traveler. In all, Nawas withheld approximately $560,000 in what they termed cancellation fees from approximately 600 California travelers. Nawas’s withholding of those funds violated the California Seller of Travel Act, which requires sellers of travel to provide full refunds for any travel that they are unable to provide, with certain limited exceptions that do not apply here. Although Nawas claimed to travelers that it was allowed to withhold cancellation fees under its own terms and conditions, the Seller of Travel Act expressly prohibits this where, as here, the seller of travel is unable or unwilling to provide the purchased travel. 

    The Attorney General’s Office operates the Seller of Travel Program, which registers travel agents and certain other travel businesses operating in California. The attorney general and district attorneys can bring enforcement actions against sellers of travel for violations of the law. We encourage any Californian who believes they have been wronged by a seller of travel to contact their local district attorney and file a complaint with our office at ‪www.oag.ca.gov/report.

    Attorney General Bonta is committed to investigating and remedying harm to consumers affected by unlawful and deceptive business practices, including in the travel industry: 

    Earlier this year, Attorney General Bonta announced securing a nine-year jail sentence against Iqbal Randhawa for defrauding more than a dozen members of the South Asian immigrant community in Northern California. Between 2017 and 2020, each victim hired Randhawa, a travel agent, to purchase airline tickets, paying him between $1,100 and $12,000. Instead of buying the tickets, Randhawa provided fraudulent itineraries and stole the funds. Also last year, Attorney General Bonta and San Diego District Attorney Summer Stephan announced the sentencing of Marie Martin, a San Diego-based travel agent and registered seller of travel, who embezzled travel funds from more than 150 parents who paid for eighth-grade school trips to the East Coast. After the school trips were cancelled due to the COVID-19 pandemic, Martin refused to provide refunds to the parents, instead spending funds on personal expenses. In 2021, Attorney General Bonta announced a settlement  with Voyageurs International, resolving allegations that the Colorado-based travel agent offered only partial refunds for a cancelled European trip for California high school students and improperly pocketed their clients’ remaining fees. The settlement required Voyageurs to provide a full refund to its 130 California consumers, for a total of approximately $247,000 in restitution.  

    A copy of the complaint and proposed settlement can be found here and here. The settlement is pending court approval. 

    MIL OSI USA News –

    June 26, 2025
  • MIL-OSI: ABeam Consulting (USA) Ltd. and Millennium EBS Establish Strategic Collaborations to Expedite ISO 20022 Implementation

    Source: GlobeNewswire (MIL-OSI)

    LOS ANGELES, June 25, 2025 (GLOBE NEWSWIRE) — ABeam Consulting (USA) Ltd. (“ABeam US”) and Millennium EBS, a BlueOne Card Inc. subsidiary, have announced a strategic collaboration under a newly signed Master Services Agreement (MSA) to jointly promote the Millennium EBS Payment Hub: ISO 20022 Transformer. This collaboration brings together ABeam’s deep expertise in business and digital transformation and Millennium EBS’s advanced payment technology— offering banks and financial institutions a streamlined, future-ready solution for ISO 20022 compliance.

    A Unified Vision for Payment Modernization

    As global adoption of ISO 20022 accelerates, financial institutions are under increasing pressure to migrate to new messaging standards while maintaining operational continuity. The ISO 20022 Transformer offers a seamless path forward—enabling smooth integration with legacy systems, ensuring compliance with evolving regulations, and unlocking enhanced data quality and process efficiency.

    “Through this collaboration with Millennium EBS, we’re reinforcing our commitment to helping financial institutions navigate complex regulatory shifts with confidence,” said a spokesperson from ABeam US. “Together, we’re delivering not just compliance—but the strategic capabilities institutions need to stay competitive in a digital-first economy.”

    ABeam Consulting: A Trusted Transformation Partner

    ABeam Consulting serves clients across diverse industries, including financial services, automotive, manufacturing, and consumer goods. The firm has led successful transformation initiatives for leading organizations worldwide, with a focus on digitalization, operational excellence, and customer-centric growth.

    With its extensive experience in ISO 20022 compliance, digital modernization, and systems integration, ABeam Consulting offers end-to-end support for implementing the ISO 20022 Transformer, ensuring a seamless, scalable transition for financial institutions worldwide.

    Technology Meets Industry Expertise

    “This partnership with ABeam US is a major step forward in our mission to modernize payment systems globally,” said Shinto J Matthew, CEO of Millennium EBS. “By integrating our proven technology with ABeam US’s industry insight, we’re equipping banks with a powerful toolkit to manage ISO 20022 migration efficiently—and drive long-term operational gains.”

    With the ISO 20022 Transformer, financial institutions benefit from:

    • Seamless integration with existing payment infrastructure
    • Regulatory compliance with ISO 20022 standards and migration timelines
    • Improved transaction transparency and data quality

    Greater operational efficiency across domestic and cross-border payments

    To learn more about the ISO 20022 Transformer and how ABeam and Millennium EBS can support your payment modernization journey, visit [smatthew@millenniumebs.com] or contact [smatthew@millenniumebs.com].

    About ABeam

    ABeam Consulting provides innovative business solutions to help companies improve their operations and gain a competitive edge. With over 42 years of experience, ABeam has grown from a part of Deloitte and Touche to an independent consulting firm focused on client success.

    Today, ABeam operates in 36 countries, serving more than 750 clients across Asia, the Americas, and Europe. With over 8,300 professionals, ABeam reported $1 billion in revenue for fiscal year 2024. ABeam combines industry expertise with technological innovation to help clients navigate the digital landscape.

    ABeam is committed to fostering change by integrating business strategy with technology. Our focus on connected and intelligent applications helps companies reimagine their business models and confidently plan for the future. Join the 750+ global organizations transforming their operations with ABeam Consulting. Explore our services and insights at www. abeam.com/am/en/.

    About Millennium EBS

    Millennium EBS, now a subsidiary of BlueOne Card Inc, brings over two decades of industry expertise in delivering high-quality, reliable payment solutions tailored to the evolving needs of modern financial institutions. Millennium EBS empowers small to medium-sized banks and financial institutions worldwide through seamless payment processing, regulatory-compliant ISO 20022 transformation, and personalized customer engagement tools. For more information, please visit www.millenniumebs.com/.

    Millenium EBS

    Shinto J Matthew – CEO

    Email: smatthew@millenniumebs.com

    The MIL Network –

    June 26, 2025
  • MIL-OSI: ABeam Consulting (USA) Ltd. and Millennium EBS Establish Strategic Collaborations to Expedite ISO 20022 Implementation

    Source: GlobeNewswire (MIL-OSI)

    LOS ANGELES, June 25, 2025 (GLOBE NEWSWIRE) — ABeam Consulting (USA) Ltd. (“ABeam US”) and Millennium EBS, a BlueOne Card Inc. subsidiary, have announced a strategic collaboration under a newly signed Master Services Agreement (MSA) to jointly promote the Millennium EBS Payment Hub: ISO 20022 Transformer. This collaboration brings together ABeam’s deep expertise in business and digital transformation and Millennium EBS’s advanced payment technology— offering banks and financial institutions a streamlined, future-ready solution for ISO 20022 compliance.

    A Unified Vision for Payment Modernization

    As global adoption of ISO 20022 accelerates, financial institutions are under increasing pressure to migrate to new messaging standards while maintaining operational continuity. The ISO 20022 Transformer offers a seamless path forward—enabling smooth integration with legacy systems, ensuring compliance with evolving regulations, and unlocking enhanced data quality and process efficiency.

    “Through this collaboration with Millennium EBS, we’re reinforcing our commitment to helping financial institutions navigate complex regulatory shifts with confidence,” said a spokesperson from ABeam US. “Together, we’re delivering not just compliance—but the strategic capabilities institutions need to stay competitive in a digital-first economy.”

    ABeam Consulting: A Trusted Transformation Partner

    ABeam Consulting serves clients across diverse industries, including financial services, automotive, manufacturing, and consumer goods. The firm has led successful transformation initiatives for leading organizations worldwide, with a focus on digitalization, operational excellence, and customer-centric growth.

    With its extensive experience in ISO 20022 compliance, digital modernization, and systems integration, ABeam Consulting offers end-to-end support for implementing the ISO 20022 Transformer, ensuring a seamless, scalable transition for financial institutions worldwide.

    Technology Meets Industry Expertise

    “This partnership with ABeam US is a major step forward in our mission to modernize payment systems globally,” said Shinto J Matthew, CEO of Millennium EBS. “By integrating our proven technology with ABeam US’s industry insight, we’re equipping banks with a powerful toolkit to manage ISO 20022 migration efficiently—and drive long-term operational gains.”

    With the ISO 20022 Transformer, financial institutions benefit from:

    • Seamless integration with existing payment infrastructure
    • Regulatory compliance with ISO 20022 standards and migration timelines
    • Improved transaction transparency and data quality

    Greater operational efficiency across domestic and cross-border payments

    To learn more about the ISO 20022 Transformer and how ABeam and Millennium EBS can support your payment modernization journey, visit [smatthew@millenniumebs.com] or contact [smatthew@millenniumebs.com].

    About ABeam

    ABeam Consulting provides innovative business solutions to help companies improve their operations and gain a competitive edge. With over 42 years of experience, ABeam has grown from a part of Deloitte and Touche to an independent consulting firm focused on client success.

    Today, ABeam operates in 36 countries, serving more than 750 clients across Asia, the Americas, and Europe. With over 8,300 professionals, ABeam reported $1 billion in revenue for fiscal year 2024. ABeam combines industry expertise with technological innovation to help clients navigate the digital landscape.

    ABeam is committed to fostering change by integrating business strategy with technology. Our focus on connected and intelligent applications helps companies reimagine their business models and confidently plan for the future. Join the 750+ global organizations transforming their operations with ABeam Consulting. Explore our services and insights at www. abeam.com/am/en/.

    About Millennium EBS

    Millennium EBS, now a subsidiary of BlueOne Card Inc, brings over two decades of industry expertise in delivering high-quality, reliable payment solutions tailored to the evolving needs of modern financial institutions. Millennium EBS empowers small to medium-sized banks and financial institutions worldwide through seamless payment processing, regulatory-compliant ISO 20022 transformation, and personalized customer engagement tools. For more information, please visit www.millenniumebs.com/.

    Millenium EBS

    Shinto J Matthew – CEO

    Email: smatthew@millenniumebs.com

    The MIL Network –

    June 26, 2025
  • MIL-OSI USA: June 25th, 2025 Heinrich, Luján, Leger Fernández Urge Trump Administration to Reverse Course & Fully Implement Broadband

    US Senate News:

    Source: United States Senator for New Mexico Martin Heinrich

    WASHINGTON — U.S. Senators Martin Heinrich (D-N.M.) and Ben Ray Luján (D-N.M.), Ranking Member of the Senate Commerce Committee’s Subcommittee on Telecommunications and Media, and U.S. Representative Terese Leger Fernández (D-N.M.) joined over 40 of their colleagues to send a letter calling on U.S.  Department of Commerce Secretary Howard Lutnick to fully implement the Broadband Equity Access and Deployment (BEAD) program as Congress intended to connect all Americans to high-quality, affordable internet. 

    The lawmakers’ letter to Secretary Lutnick comes as the Department of Commerce announced substantial changes to the implementation of the BEAD program. 

    “We write to express our opposition to the Department of Commerce’s recently announced BEAD Restructuring Policy Notice,” the lawmakers wrote. “The Broadband Equity, Access, and Deployment (BEAD) program was established by Congress in the Bipartisan Infrastructure Law to provide high-quality, affordable, and sustainable broadband to connect the nearly 25 million Americans that continue to wait for high-speed internet access. We urge you to ensure that states receive the full funding and flexibility they retained prior to the issuance of the restructuring notice to fully meet these statutory objectives.” 

    “The broadband division of the Bipartisan Infrastructure Law begins with this congressional finding: ‘Access to affordable, reliable, high-speed broadband is essential to full participation in modern life in the United States,’” the lawmakers continued. “This fundamental reality is why the BEAD program was established to fulfill the subsequent finding that ‘the benefits of broadband should be broadly enjoyed by all.’”

    The letter is led by U.S. Senator Amy Klobuchar (D-Minn.) and U.S. Representative Jim Clyburn (D-S.C.). Alongside Heinrich, Luján, and Leger Fernández, the letter is signed by U.S. Senators Richard Blumenthal (D-Conn.), Lisa Blunt Rochester (D-Del.), Maria Cantwell (D-Wash.), Chris Coons (D-Del.), Mazie Hirono (D-Hawaii), Angus King (I-Maine), Ed Markey (D-Mass.), Jon Ossoff (D-Ga.), Gary Peters (D-Mich.), Elissa Slotkin (D-Mich.), Tina Smith (D-Minn.), and Raphael Warnock (D-Ga.), and U.S. Representatives Jim Clyburn (D-S.C.), Bishop (D-Ga.), Bynum (D-Ore.), Carson (D-Ind.), Carter (D-La.), Cleaver (D-Mo.),  Davis (D-Ill.), DelBene (D-Wash.), Evans (D-Pa.),  Fields (D-La.), Figures (D-Ala.), Garcia (D-Texas), Goodlander (D-N.H.), Hoyle (D-Ore.), Huffman (D-Calif), Lofgren (D-Calif.), McGovern (D-Mass.), Menendez (D-N.J.), Mrvan (D-Ind.), Neguse (D-Colo.), Pappas (D-N.H.), Scholten (D-Mich), Sewell (D-Ala.), Soto (D-Fla.), Thompson (D-Miss.), Titus (D-Nev.), Tlaib (D-Mich.), Tokuda (D-Hawaii), Williams (D-Ga.), and Wilson (D-Fla.).  

    The full text of the letter is available here and below:

    Dear Secretary Lutnick: 

    We write to express our opposition to the Department of Commerce’s recently announced BEAD Restructuring Policy Notice. The Broadband Equity, Access, and Deployment (BEAD) program was established by Congress in the Bipartisan Infrastructure Law to provide high-quality, affordable, and sustainable broadband to connect the nearly 25 million Americans that continue to wait for high-speed internet access. We urge you to ensure that states receive the full funding and flexibility they retained prior to the issuance of the restructuring notice to fully meet these statutory objectives. 

    The broadband division of the Bipartisan Infrastructure Law begins with this congressional finding: “Access to affordable, reliable, high-speed broadband is essential to full participation in modern life in the United States.” This fundamental reality is why the BEAD program was established to fulfill the subsequent finding that “the benefits of broadband should be broadly enjoyed by all.” To achieve this goal, the statute states that funding recipients must “ensure coverage of broadband service to all unserved locations” before using any funds for other purposes. The restructuring notice appears to violate this requirement by allowing applicants to exclude certain unserved locations. Such an allowance would defy bipartisan congressional intent, which was predicated on the understanding that public investment was needed to achieve universal service precisely because building the infrastructure to cover many rural areas was too costly to be profitable. 

    In addition to excluding unserved, predominantly rural locations, the restructuring notice would likely result in others receiving worse service. The Bipartisan Infrastructure Law requires that “priority broadband projects” funded by the program be “designed to provide broadband service that meets speed, latency, reliability, consistency in quality of service, and related criteria as the Assistant Secretary shall determine; and [to] ensure that the network[s] built by the project[s] can easily scale speeds over time to meet the evolving connectivity needs of households and businesses, and support the deployment of 5G, successor wireless technologies, and other advanced services.” Of currently available technologies, fiber-optic networks are faster and more reliable and can scale speeds much more easily. We made the decision to invest larger sums now in broadband infrastructure that would be resilient and capable of meeting Americans’ growing digital demands for decades. 

    The restructuring notice also undermines the Bipartisan Infrastructure Law’s provisions designed to ensure that broadband service is affordable and put to good use. The new rules remove specific requirements that ensured that participating providers would provide a low-cost internet option for low-income customers as required by the statute. Additionally, while the Bipartisan Infrastructure Law specifically allows funds to be spent on “broadband adoption, including programs to provide affordable internet-capable devices,” the notice rescinds approval of previously approved “non-deployment activities” and puts all funding for these activities on hold. For example, this provision of the notice puts on hold a South Carolina plan to use BEAD program funds for virtual primary health—equipping low-income households in rural health deserts with access to the full suite of virtual health services at no cost to the patients. If the broadband infrastructure being built by BEAD program funds isn’t put to good use, much of the investment will have been wasted. 

    As reflected in the Bipartisan Infrastructure Law’s congressional findings, high-quality internet access is a requirement to fully participate in the world, and the BEAD program is our once-in-a century opportunity to finish closing the digital divide. We fear this opportunity would be squandered by the restructuring notice and its changes to coverage, quality, and affordability. We therefore urge you to implement the BEAD program in accordance with the best reading of the statute so we can make high-quality internet accessible and affordable for all Americans.

    MIL OSI USA News –

    June 26, 2025
  • MIL-OSI United Kingdom: New Trade Strategy to protect and boost British business

    Source: United Kingdom – Government Statements

    Press release

    New Trade Strategy to protect and boost British business

    The strategy will make the UK the most connected nation in the world while protecting vital industries from global threats and backing businesses to thrive.

    New Trade Strategy to protect and boost British business 

    • Trade Strategy sets out how UK will unlock £5 billion for businesses and expand UKEF capacity to £80 billion, delivering growth as part of the Plan for Change  

    • Trade defence toughened up with new and improved tools to better protect our vital industries from global threats  

    • UK sets its sights on quicker deals that firms can benefit from sooner, with a strong focus on services and high growth sectors 

    British Businesses will be given greater access to global markets more quickly as the UK tomorrow [Thursday 26 June] publishes its first Trade Strategy since leaving the EU. 

    The Strategy will make the UK the most connected nation in the world and secure billions worth of opportunities for businesses, helping deliver the economic growth needed to put money in people’s pockets, strengthen local economies, create jobs, and raise living standards.  

    It takes a more agile and targeted approach than the previous government’s, focusing on quicker, more practical deals that deliver faster benefits to UK businesses. It strengthens trade defences, expands export finance – especially for smaller firms – and aligns trade policy with national priorities like green growth and services. It’s a smarter, more responsive plan for a changing global economy. 

    The Trade Strategy:  

    • Unlocks £5 billion worth of opportunities for UK exporters through the new Ricardo Fund, which will tackle complex regulatory issues, shape global standards, and remove obstacles for UK businesses selling abroad.  

    • Expands UK Export Finance (UKEF)’s capacity by £20 billion to a total of £80 billion, announces a new Small Export Builder to give smaller firms better access to export protection insurance, and introduces improvements to help overseas buyers finance repeat orders from trusted UK suppliers in a more streamlined way.   

    • Vows to bolster our trade defence toolkit and make our trade remedies system more agile, assertive, and accountable to guard British businesses against global turbulence and the growing threat of unfair trading practices.   

    • Targets more mutual recognition of qualifications to boost the UK’s status as a services superpower – the 2nd biggest exporter of services in the world.  

    • Builds on existing clean energy and green sector agreements with partners including Norway, Japan and South Korea and explores new, deeper cooperation with markets such as Brazil, the Philippines and Mexico.    

    • Announces the UK will join the Multi-Party Interim Appeal Arbitration Arrangement (MPIA), a temporary arbitration arrangement for resolving appeals to WTO trade disputes, demonstrating our commitment to an effective rules-based international trading system 

    The Trade Strategy comes amid a backdrop of turbulent economic waters, resurgent protectionism and unfair trading practices creating significant challenges for businesses and industries across the whole of the UK. Together with our modern Industrial Strategy – a plan to grow the UK’s growth-driving sectors – we are strengthening businesses at home and setting clear direction to ensure success abroad and create high-paid, secure jobs in every part of this country.  

    It follows three significant trade deals agreed last month with huge benefits for UK businesses, jobs and consumers. Not only does our deal with India add £4.8 billion to the economy and £2.2 billion to wages each year, its reduced and liberalised tariffs means more whisky and gin is likely to be sold to Indian consumers and British shoppers could see cheaper prices on things like clothes, footwear and food products.  

    Our landmark deal with the US, the only one they have agreed with any country, protects hundreds of thousands of British jobs from automotive workers in the West Midlands, to aeroplane builders in Wales, to steelmakers in Scunthorpe. It shows the government delivering on its promise to champion British businesses and put jobs and livelihoods first. 

    The EU agreement, meanwhile, cuts red tape and improves access to our biggest trading partner. It means Scottish salmon farmers can sell their fish more easily to the EU, Welsh sausages and lamb mince exports will no longer be blocked, and British pets can join their owners on holiday with less headache.   

    Prime Minister, Keir Starmer, said: 

    What works for business, works for Britain. It means more jobs, more opportunities, and more money in people’s pockets. 

    That’s why I’ve backed British industry through global headwinds – securing major trade deals with the US, India and the EU that protect jobs and drive growth right across the country. 

    Today’s Trade Strategy is a promise to British business: helping firms sell more, grow faster, and compete globally. It’s about delivering growth as part of our Plan for Change—and making sure working people feel the benefits.

    Business and Trade Secretary Jonathan Reynolds said:  

    The UK is an open trading nation but we must reconcile this with a new geopolitical reality and work in our own national interest  

    Our Trade Strategy will sharpen our trade defence so we can ensure British businesses are protected from harm, while also relentlessly pursuing every opportunity to sell to more markets under better terms than before.  

    Broad and complex trade deals like we secured with India will bring billions to our economy every year but to deliver the Plan for Change we will strike more agile, targeted deals that exploit the sectors which drive the most growth for our economy.

    It comes as the government works in partnership with industry to shape future steel trade measures which will prevent cheap imports from undercutting UK businesses, following the expiry of the current UK steel safeguard measure in June 2026. Collaboration with steel producers, consumers and unions will help ensure the new phase of our trade defences continue to protect UK businesses and jobs, while providing a fair and competitive market.  

    UKEF measures included in the Strategy accompanies news this week that up to £13 billion of direct lending will be used to help boost exports across key industrial sectors, marking a £3 billion uplift in UKEF’s facility.  

    Trade Minister Douglas Alexander said:  

    This new hard-headed, data driven, and agile approach to trade policy is guided by our pragmatic patriotism. In this changed and challenging world, we will promote what we can and protect what we must to advance the UK’s national interest.  

    Through our Trade Strategy, we are supporting our businesses to expand and export with a wider range of trade tools that harness our high-growth industries of the future to deliver this government’s Plan for Change.  

    As we target these agreements, we will take every step necessary to safeguard British businesses from the increasingly protectionist mood in much of the world by sharpening our defensive toolkit.

    To complement the Trade Strategy, we have also today published the Global Trade Outlook 2025 which explores the long-term trends that may shape the global economy and international trade in the coming decades.

    Shevaun Haviland, Director General at the BCC, said: 

    The Trade Strategy sets out a clear, evidence-based approach to raising the UK’s export game. It rightly targets our strength in services, and vital high-growth goods sectors while identifying key markets in the Indo-Pacific, Americas and European neighbourhood.

    A focus on sectoral and digital trade deals is also welcome, alongside a commitment to a functioning rules-based global trading system. 

    Place matters in trade. This strategy can generate economic growth in every nation and region of the UK, lowering tariffs and removing trade barriers. Our Chamber Network stands ready to build, invest and deliver on international trade as a partner of government and an engine for economic growth.

    Rain Newton-Smith, CEO, CBI said:

    Businesses are clear that positioning the UK as an outward looking nation is a show of strength in this increasingly fragmented world. Backing free trade is critical to facing the great global challenges and opportunities of our time.

    The UK must be bold and ambitious to be a key player in the global race for growth. Today’s Strategy offers a dynamic vision which will help the UK to position itself as one of the world’s leading locations for investment and trade. Leaning into that openness, our international commitments, and partnerships with like-minded allies will be integral to our success.

    We now need government and business to work together to turn this ambition into action and ensure that the UK seizes on the opportunities available within the global economy.

    Ian Stuart, CEO of HSBC UK:  

    I welcome today’s announcement of the Trade Strategy. It provides a vital blueprint to ensure the UK’s continued role as a great trading nation and leading services exporter, with a focus on the sectors that will drive growth in the decades to come.  

    It also rightly recognises the challenges many exporters face at a time of heightened global uncertainty. This is a necessary first step in giving businesses the tools they need to thrive on the world stage. HSBC looks forward to supporting businesses to take advantage of the strategy and unlock the full benefits of international trade.

    Jon Holt, Group Chief Executive and UK Senior Partner, KPMG, said:    

    Our professional and business services industry is an international success story with our expertise in demand around the world. As a high-growth sector, we have long called for a Trade Strategy that enables UK businesses to take advantage of new global opportunities and expand into emerging markets.  

    Today we have a clear plan. From removing barriers to overseas markets, to making it easier for our highly skilled people to travel and work across borders, this approach will strengthen our connectivity, boost inward investment and make sure our sector remains globally competitive.

    The strategy’s success will depend on a strong partnership between business and Government.

    Stephen Phipson CBE, CEO of Make UK, the manufacturers’ organisation said:

    Industry will welcome the Trade Strategy which, for the first time, aligns hard on the heels of the Industrial Strategy and is a perfect example of joined up thinking across Government which has long been missing.

    In particular, as well as a focus on new markets, it will help optimise market access and signposting for companies, especially SMEs, to take advantage of current trade deals with a new focus on strategic economic partnerships with key trading partners.

    At the same time, as well as helping boost exports, it will strengthen trade defences against the threat of dumping and support UK firms in reporting possible trade discrepancies to the Trade Remedies Authority.

    Mike Hawes, SMMT Chief Executive, said:  

    UK Automotive is a trade powerhouse, generating imports and exports worth £108 billion a year and typically Britain’s biggest exporter of manufactured goods. Free and fair trade is fundamental to our success and recent agreements with India, the US and, particularly, the EU signal that intention.

    Today’s trade strategy, aligned to the industrial strategy announced earlier this week, provides confidence to help our sector navigate the many headwinds we face and sets a foundation for future success.

    Balanced trading relationships that break down tariffs and regulatory barriers to trade will enable automotive companies to grow and get great British products into the hands of consumers all over the world, boosting jobs, business and prosperity at home.

    Heathrow’s Chief Communications and Sustainability Officer, Nigel Milton, said:   

    We welcome this Trade Strategy, which is set to provide greater support for exporters and champion the importance of free trade.   

    As the UK’s hub airport and largest port by value, we know firsthand how trade can serve as a powerful engine for economic growth.   

    With our unrivalled access to global markets Heathrow is the UK’s gateway to growth and we stand ready to support the Government and exporters from across the country with the rollout of the new strategy.

    Paul Nowak, TUC General Secretary, said:

    This is an important step forward to a trade agenda with workers’ rights and good jobs at its heart.

    It’s right that the government is focusing on removing barriers to trade with our largest trading partner – the EU – on which thousands of quality jobs depend, and it’s vital that the government continues to show ambition in its trading reset with the bloc.

    Standing up for good jobs in sectors such as steel is essential and hugely welcome, especially with global trade wars leading to countries undercutting British products with cheaper foreign imports.

    The government has set out a path towards a values-based approach to trade, which supports international labour standards and human rights globally. We look forward to seeing the full detail and working with them to deliver this.

    John Pattinson, Founder and Managing Director of Air Covers Ltd, and a DBT Export Champion, said:   

    The UK Government plays a vital role in enabling and accelerating the journey to export – a critical driver of economic growth. At Air Covers, we have benefited greatly from our close partnership with DBT Wales.  

    The support we’ve received from DBT Wales, as well as from UK embassies and High Commissions around the world, has been instrumental to our expansion and success in international markets.  

    We believe that the UK Government’s Trade Strategy will open new opportunities for growth, both in established regions and emerging markets. For UK exporters, free trade agreements and the simplification of cross-border regulations are essential to unlocking global potential and maintaining a competitive edge.

    Julian David, CEO of techUK, said:

    TechUK welcomes the launch of this trade strategy as a landmark moment. For the first time, we have a coherent, long-term plan that reflects the realities of current geopolitics and the UK’s unique strengths – particularly in services and high-growth, innovation-driven sectors like ours.

    It’s especially encouraging to see government pulling together the full suite of tools at its disposal – from digital trade agreements to commercial diplomacy and meaningful trade defence instruments. We look forward to working closely with government to turn this vision into impact and ensure the UK remains a leader in the global digital economy.

    Marco Forgione, Director General of the Chartered Institute of Export & International Trade, said:

    Today’s new Trade Strategy is a welcome step forward that reflects many of the priorities we’ve been championing on behalf of our members, especially SMEs, who need targeted, accessible support to grow internationally.

    From the Small Exports Builder to enhanced UK Export Finance, these are practical tools designed to reduce friction and unlock potential for thousands of firms across the UK.

    We’ve worked closely with government to feed in the real-world experiences of our members, and it’s encouraging to see those insights reflected in today’s announcement.

    Launched alongside the Industrial Strategy, this sets a more joined-up direction for trade and growth. Now the focus must be on delivery, and we stand ready to help make it happen.

    Tina McKenzie, Policy Chair of the Federation of Small Businesses, said:

    Small firms know exporting is good for growth, so it’s good to see a clear strategy on trade. We welcome the government’s commitment to creating better digital tools, less red tape and putting stronger focus on practical support beyond just trade deals. 

    We also need to see more money and new funding programmes for SMEs wanting to trade internationally, as well as more bespoke support for the smallest firms, who do not qualify for one-to-one help.

    Small firms have been bogged down by unnecessary rules and costs for far too long, and today’s strategy is the first step to creating a better environment for exporters and importers.

    Notes to editor 

    • Department for Business and Trade (DBT) analysis of UNCTAD (2025) Global import data 2013-2023, mapped to industry sectors using sector definitions from DBT (2023) Global trade outlook.  

    • The GTO will be published at 0001 Thursday 26 June here 

    • The Trade Strategy will be published 0915 Thursday 26 June here 

    • More information on the UK Steel Trade Measures Call for Evidence will be issued separately, embargoed until 22.30 Thursday 25 June.

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    Updates to this page

    Published 25 June 2025

    MIL OSI United Kingdom –

    June 26, 2025
  • MIL-OSI New Zealand: BNZ offers flexible business loans up to $50,000, approved in minutes

    Source: BNZ Statements

    Small businesses can now access unsecured finance of up to $50,000 with BNZ’s new Merchant Flexi Loan, with approval in as little as three minutes. It offers eligible businesses a simple way to manage cash flow and fuel growth, with no interest and just a one-off fee.

    Karna Luke, BNZ Executive for Customer Products and Services, says it delivers the speed and flexibility small businesses need to grow.

    “Our Flexi Loans give small businesses fast access to capital, without the need to provide paperwork like financial statements or business plans. Instead, we use actual card sales data from the past 12 months to determine loan eligibility and calculate a personalised loan offer.

    “Businesses can see their personalised offer, choose their preferred repayment rate and get a decision in minutes. Once accepted, funds are available within two business days.”
    Repayments are set at a rate chosen by the business, between 10% and 30% of daily card sales, and are automatically deducted.

    “This means repayments are higher when sales are strong and lower when business is quieter, helping owners stay focused on operations with cash flow under control,” Luke says.

    Christchurch institution Waffle Haus takes advantage to expand business

    The benefits of this flexible approach are already being realised BNZ customers like Jamie Stewart. He already had a successful Waffle Haus café in Akaroa when he expanded to Christchurch, opening on New Regent Street in December 2020. Now, with both locations thriving, he’s using BNZ’s Merchant Flexi Loan to fund expansion into a third branch, set to open next month at The Colombo shopping centre.

    “A lot of prep goes into opening a new location – it takes about a year to get everything in place,” says Jamie. “When the Merchant Flexi Loan became available, the timing was perfect because I was looking at a significant equipment investment for the new café and wanted to preserve working capital for other business needs.”

    For Jamie, whose capital is invested in growing his business rather than property assets that could be used as security, the merchant sales-based approach offers a compelling alternative to traditional secured lending. Instead of needing collateral, the loan is based on his proven sales performance.

    The flat fee structure also appealed to Jamie: “The fee worked out at about 2.5% of the loan amount, which is really good value and substantially cheaper than a traditional business loan.”
    With trading patterns that vary over time – busy evenings year-round, peak weekends and school holidays, plus seasonal fluctuations – Jamie appreciates having repayments that adjust accordingly.

    “The winter period is slightly quieter for us than the summer and school holiday peaks,” he says. “Having repayments that flex with our natural business rhythms makes financial planning much easier.”

    Fast funding when opportunities arise

    Karna Luke says timing is critical when business opportunities emerge, which is why the BNZ team has worked hard to make the process of applying for a Merchant Flexi Loan as fast and simple as possible.

    “Our customers tell us they need to move fast to stay competitive and grow, whether that’s securing new equipment, expanding their premises, or taking advantage of seasonal demand. By streamlining the application process and using data we already have, we can help them seize those opportunities without delay.

    “It’s about bringing together speed, simplicity and flexibility to make it easier to move quickly when opportunity knocks. We’re proud to be the first New Zealand bank to offer a lending solution like this.”

    To find out how Merchant Flexi Loan can help your business manage cash flow and growth, visit bnz.co.nz/business-banking/loans-and-finance/merchant-flexi-loans

    The post BNZ offers flexible business loans up to $50,000, approved in minutes appeared first on BNZ Debrief.

    MIL OSI New Zealand News –

    June 26, 2025
  • MIL-OSI New Zealand: Police and Customs bag smuggling ring operating airside

    Source: New Zealand Police

    A joint investigation has unpacked a criminal syndicate’s operation, which allegedly facilitated the smuggling of class A drugs through Auckland Airport.

    Police and Customs terminated nearly two dozen search warrants on Wednesday across the Auckland region as part of Operation Matata.

    Eighteen arrests have been made, including nine baggage handlers and another staff member working at the country’s busiest airport.

    Those arrested are 17 men, aged between 20 and 42, and a 19-year-old woman. Those arrested were appearing in the Manukau District Court yesterday afternoon and today.

    It all began on 20 March 2025, when a man was arrested outside an East Tamaki address after 25 kilograms of methamphetamine was discovered in his vehicle.

    Now, detectives from the National Organised Crime Group and counterparts at Customs have uncovered a wider group organising and facilitating controlled drugs being smuggled through Auckland Airport.

    “Police will allege in court that this group imported controlled drugs through the airport on six occasions,” Detective Inspector Tom Gollan says.

    “As a result, approximately 64 kilograms of methamphetamine and 3.4 kilograms of cocaine has been seized by Customs and Police.”

    This would have gone on to cause significant harm and cost to New Zealand communities.

    “Insider threats pose a threat to this country, and we are pleased to continue to work with Auckland Airport authorities, Customs and overseas law enforcement agencies to stamp this out,” Detective Inspector Gollan says.

    Customs Investigations Manager Dominic Adams adds: “These individuals are alleged to have abused their trusted positions as airport workers to smuggle significant amounts of harmful drugs into New Zealand.

    “There is zero tolerance for this type of behaviour and this operation signals the action that law enforcement, with the support of industry partners, has taken against those who thought they could operate outside of the law and profit from their criminal activities.”

    During the 23 search warrants carried out, Police located a significant amount of cash along with quantities of cocaine and a sawn-off shotgun.

    Those arrested will face serious drugs charges, including importation, supply and possession for supply of the class A controlled drugs methamphetamine and cocaine.

    • Operation Matata – by the numbers:

    Around 64.5kg of methamphetamine equates to:
    – 3,225,000 doses
    – $22.5m – the approximate retail value of this methamphetamine
    – $71.5m – an approximate amount of social harm prevented

    Around 3.4kg of cocaine equates to:
    – 34,000 doses
    – $1.5m – the approximate retail value of this cocaine
    – $1m – the approximate amount of social harm prevented

    ENDS.

    Jarred Williamson/NZ Police

    MIL OSI New Zealand News –

    June 26, 2025
  • MIL-OSI: Apollo Names Celia Yan as Head of Hybrid for Asia Pacific

    Source: GlobeNewswire (MIL-OSI)

    HONG KONG, June 26, 2025 (GLOBE NEWSWIRE) — Apollo (NYSE: APO) today announced that Celia Yan has joined the firm as a Partner and Head of Hybrid for Asia Pacific. Based in Hong Kong, Yan will lead the expansion of Apollo’s hybrid platform across the region, building on the firm’s momentum in delivering flexible, tailored capital solutions across private markets.

    Apollo’s hybrid business focuses on delivering creative, partnership-driven solutions that sit between traditional debt and equity. We provide solutions that help companies fund growth initiatives, generate liquidity and deleverage balance sheets, among other bespoke applications. In this newly created role, Yan will drive origination, execution and growth for Apollo’s hybrid strategies in Asia Pacific.

    Yan brings over 20 years of industry experience and extensive private investment expertise across Asia Pacific, most recently serving as Head of APAC Private Credit at BlackRock. Previously, she held senior investment roles at ADM Capital, National Australia Bank and Equity Trustees Limited (EQT).

    “Celia’s experience across private markets investing, managing cross-border teams and growing business verticals makes her a key addition as we grow our hybrid business in Asia Pacific,” said Matthew Michelini, Partner and Head of Asia Pacific at Apollo. “As companies and investors increasingly seek structured and creative solutions, Celia will help us deliver for clients across the region.”

    Chris Lahoud, Partner at Apollo, said: “As capital markets evolve, we see an attractive opportunity for hybrid growth in the region, providing partnership-oriented, flexible capital to companies and projects.”

    “Apollo’s integrated platform and global reach, paired with a strong local presence, position the firm to deliver hybrid capital at scale,” said Celia Yan. “Across Asia Pacific, businesses and sponsors are looking for non-dilutive, customized solutions that can address real market inefficiencies—and hybrid is increasingly the answer. I’m excited to join the team and help accelerate this strategy across the region.”

    Yan holds a Bachelor of Commerce from the University of Melbourne and a Master’s in Applied Econometrics from Monash University.

    About Apollo

    Apollo is a high-growth, global alternative asset manager. In our asset management business, we seek to provide our clients excess return at every point along the risk-reward spectrum from investment grade credit to private equity. For more than three decades, our investing expertise across our fully integrated platform has served the financial return needs of our clients and provided businesses with innovative capital solutions for growth. Through Athene, our retirement services business, we specialize in helping clients achieve financial security by providing a suite of retirement savings products and acting as a solutions provider to institutions. Our patient, creative, and knowledgeable approach to investing aligns our clients, businesses we invest in, our employees, and the communities we impact, to expand opportunity and achieve positive outcomes. As of March 31, 2025, Apollo had approximately $785 billion of assets under management. To learn more, please visit www.apollo.com.

    Apollo Contacts

    Noah Gunn
    Global Head of Investor Relations
    Apollo Global Management, Inc.
    (212) 822-0540
    IR@apollo.com

    Joanna Rose
    Global Head of Corporate Communications
    Apollo Global Management, Inc.
    (212) 822-0491
    Communications@apollo.com

    The MIL Network –

    June 26, 2025
  • MIL-OSI: Apollo Names Celia Yan as Head of Hybrid for Asia Pacific

    Source: GlobeNewswire (MIL-OSI)

    HONG KONG, June 26, 2025 (GLOBE NEWSWIRE) — Apollo (NYSE: APO) today announced that Celia Yan has joined the firm as a Partner and Head of Hybrid for Asia Pacific. Based in Hong Kong, Yan will lead the expansion of Apollo’s hybrid platform across the region, building on the firm’s momentum in delivering flexible, tailored capital solutions across private markets.

    Apollo’s hybrid business focuses on delivering creative, partnership-driven solutions that sit between traditional debt and equity. We provide solutions that help companies fund growth initiatives, generate liquidity and deleverage balance sheets, among other bespoke applications. In this newly created role, Yan will drive origination, execution and growth for Apollo’s hybrid strategies in Asia Pacific.

    Yan brings over 20 years of industry experience and extensive private investment expertise across Asia Pacific, most recently serving as Head of APAC Private Credit at BlackRock. Previously, she held senior investment roles at ADM Capital, National Australia Bank and Equity Trustees Limited (EQT).

    “Celia’s experience across private markets investing, managing cross-border teams and growing business verticals makes her a key addition as we grow our hybrid business in Asia Pacific,” said Matthew Michelini, Partner and Head of Asia Pacific at Apollo. “As companies and investors increasingly seek structured and creative solutions, Celia will help us deliver for clients across the region.”

    Chris Lahoud, Partner at Apollo, said: “As capital markets evolve, we see an attractive opportunity for hybrid growth in the region, providing partnership-oriented, flexible capital to companies and projects.”

    “Apollo’s integrated platform and global reach, paired with a strong local presence, position the firm to deliver hybrid capital at scale,” said Celia Yan. “Across Asia Pacific, businesses and sponsors are looking for non-dilutive, customized solutions that can address real market inefficiencies—and hybrid is increasingly the answer. I’m excited to join the team and help accelerate this strategy across the region.”

    Yan holds a Bachelor of Commerce from the University of Melbourne and a Master’s in Applied Econometrics from Monash University.

    About Apollo

    Apollo is a high-growth, global alternative asset manager. In our asset management business, we seek to provide our clients excess return at every point along the risk-reward spectrum from investment grade credit to private equity. For more than three decades, our investing expertise across our fully integrated platform has served the financial return needs of our clients and provided businesses with innovative capital solutions for growth. Through Athene, our retirement services business, we specialize in helping clients achieve financial security by providing a suite of retirement savings products and acting as a solutions provider to institutions. Our patient, creative, and knowledgeable approach to investing aligns our clients, businesses we invest in, our employees, and the communities we impact, to expand opportunity and achieve positive outcomes. As of March 31, 2025, Apollo had approximately $785 billion of assets under management. To learn more, please visit www.apollo.com.

    Apollo Contacts

    Noah Gunn
    Global Head of Investor Relations
    Apollo Global Management, Inc.
    (212) 822-0540
    IR@apollo.com

    Joanna Rose
    Global Head of Corporate Communications
    Apollo Global Management, Inc.
    (212) 822-0491
    Communications@apollo.com

    The MIL Network –

    June 26, 2025
  • MIL-OSI New Zealand: Herds of Special Interest one step closer

    Source: New Zealand Government

    Legislation to clarify how Herds of Special Interest (HOSI) operate in National Parks has passed its first reading in Parliament today, Hunting and Fishing Minister James Meager says.
    “The Game Animal Council (Herds of Special Interest) Amendment Bill will ensure the legislation for HOSI is clear and unambiguous. It will support the designation of a wapiti deer HOSI in Fiordland National Park and will allow hunter-led conservation groups to manage deer numbers in our national parks, creating opportunities for local hunters and tourism and driving more economic growth in the region,” Mr Meager says.
    “HOSI are another tool to effectively and sustainably manage deer, tahr, and other valued introduced species on our conservation estate. By utilising hunter-led conservation groups we can manage deer numbers down to healthy, sustainable levels, whilst better protecting our biodiversity and controlling dangerous predators which kill our native birds.
    “The National Parks Act’s requirement to ‘exterminate’ introduced animals as far as possible is at odds with the purpose of designating a HOSI, which is to manage game animals for hunting purposes while preserving conservation outcomes.
    “The Game Animal Council Act always intended for HOSI to be allowed in national parks. By introducing this bill, we aim to provide clarity and certainty for all involved. The legislation will retain the requirements for HOSI to be consistent with New Zealand’s wider conservation framework, including the preservation of indigenous habitats and natural features.
    “The bill has been referred to the Environment Select Committee for consideration, and the public will have the opportunity to submit. I look forward to hearing from everyone who is keen to better manage the impact of valued introduced species on our conservation estate.”

    MIL OSI New Zealand News –

    June 26, 2025
  • MIL-OSI New Zealand: Learner Success Community of Practice

    Source: Tertiary Education Commission

    Employability Ecosystems – Part 1: Improving learner outcomes through links to industry
    Dr Roy Priest, Associate Professor at Birmingham City University (BCU), gives an overview of their Employability Ecosystems that improve learner engagement, and support successful graduate outcomes by embedding employability into the curriculum and connecting learners with industry throughout their programme of study. 
    Set in the heart of Birmingham, with a focus on practice-based learning, this public university has over 30,000 learners from over 100 countries. Around half of their learners come from the most deprived neighbourhoods of Birmingham. A significant proportion of learners are the first in their family to attend university and commute from home.  
    The BCU’s Employability Ecosystems maximise the potential for ongoing connection between learners, industry-based professionals and tutors through informal frameworks. It’s a holistic approach encompassing research, knowledge transfer, curriculum development, course and programme marketing. Roy discusses what this approach looks like in practice and the support BCU has put in place for academic staff to enhance learner outcomes through informal engagement with industry.
    [embedded content]

    Employability Ecosystems – Part 2: Informal networks to support graduate outcomes
    Dr Roy Priest, Associate Professor at Birmingham City University (BCU) shares insights into three informal network initiatives – Industry Mentors Forums, Special Interest Groups, and Formal and Information Industry Advisory Boards.
    [embedded content]
    DREAM Convening
    The annual DREAM Convening is Achieving the Dream’s (ATD’s) flagship event. It attracts influential leaders and practitioners from more than 300 US-based community colleges and organisations who exchange ideas about evidence-based reform strategies that transform higher education and impact learner success.
    Achieving the Dream
    Te Rito Maioha
    Nikki Parsons, Te Rito Maioha General Manager Workforce and Learner Engagement, shares her reflections on the 2024 DREAM conference. She talks about how Te Rito Maioha, a private training establishment, is applying the knowledge she has gained to help their learners to be successful in their tertiary study.
    [embedded content]
    Skills Group
    Jon Smith, Skills Group General Manager Academic Skills and Quality, shares his three takeaways from the 2024 DREAM conference. He talks about introducing the Achieving the Dream 2.0 Capability Framework model into the Skills Group, and their robust conversations on what they need to do to build a student success model. The Skills Group is a private training establishment.
    [embedded content]
    English Language Partners
    A key takeaway from the 2024 DREAM conference for Rachel O’Connor, English Language Partners Chief Executive, is the importance of having and applying an equity mindset throughout your organisation – from how you use data to how you train your people. Rachel talks about how English Language Partners are applying the knowledge she’s gained, and using data to support equity and address learner success.
    [embedded content]

    MIL OSI New Zealand News –

    June 26, 2025
  • MIL-OSI New Zealand: Supermarkets warned about unfair practices

    Source: New Zealand Government

    Economic Growth Minister Nicola Willis has written to the major supermarkets to restate the basic expectation that they take all steps needed to comply with the Fair Trading Act and ensure Kiwi shoppers are not subjected to misleading price claims. 

    “Supermarkets have statutory obligations under the Fair Trading Act to ensure that pricing information is accurate and does not mislead consumers.

    “I am disappointed that I have to spell out to some of New Zealand’s biggest and most sophisticated retail operators – Foodstuffs North Island, Foodstuffs South Island, and Woolworths – that they should have in place processes to prevent inaccurate pricing, institute and publicise refund policies, and train staff to ensure that when errors are reported, fixes occur system-wide. Compliance with the law should be a basic expectation. 

    “I am concerned to hear from the Commerce Commission and Consumer New Zealand that misleading promotional practices and common pricing errors are still occurring within New Zealand’s major supermarket chains.

    “These include customers being charged more at the checkout than the advertised price, specials being advertised that don’t represent a saving on the normal price,  and multibuys that are more expensive than if the products are individually purchased.

    “This week it was reported that two PAKnSave supermarkets that are part of Foodstuffs North Island have pleaded guilty to multiple charges of breaching the Fair Trading Act. The Commerce Commision has also filed proceedings against Woolworths for misleading consumers about prices. 

    “I will not comment on ongoing court proceedings. However, it is clear that as participants in a sector that generates revenue of $27 billion a year, the major supermarkets have the resources to treat their customers fairly. 

    “It should not be customers’ responsibility to alert stores to pricing discrepancies. Kiwi shoppers have the right to expect that the price they pay at the checkout is the same as the price they see in the aisle. 

    “I have asked the major supermarket chains for an update on the actions they are taking to address these issues. It is in their and New Zealand shoppers’ interests that they be clear about what they are doing to ensure shoppers are not misled. 

    “I am considering introducing tougher penalties and potential changes to ensure the provisions of the Fair Trading Act are more readily enforced. 

    “I note that the maximum penalty for a breach of the Fair Trading Act in New Zealand is a fine of $600,000 whereas in Australia the courts can impose a penalty of up to $A50 million.”

    MIL OSI New Zealand News –

    June 26, 2025
  • MIL-OSI USA: Senator Murkowski Engages with VA Secretary Collins on Alaska Veterans’ Priorities

    US Senate News:

    Source: United States Senator for Alaska Lisa Murkowski

    06.24.25

    Washington, DC – Today, U.S. Senator Lisa Murkowski (R-AK) welcomed the Secretary of Veterans Affairs Doug Collins to the Military Construction, Veterans Affairs, and Related Agencies Appropriations Subcommittee to discuss the Department of Veteran Affairs’ Fiscal Year 2026 (FY26) budget request. Senator Murkowski reinforced to the Secretary the unique needs of Alaska’s veterans, and sought confirmation that the VA Advisory Committee on Tribal and Indian Affairs will continue to serve the needs of Alaska Native veterans.

    Watch the Senator’s full line of questioning here.

    The full transcript is below.

    TRANSCRIPT

    Murkowski: Welcome, thank you. To follow on Senator Collins’ comments about our rural veterans, you kind of pointed out that Alaska is in that same bucket. I’m just going to say, we’re bigger, we’re badder, we’re just more complicated as you know. We’re very proud to host more veterans per capita in Alaska than anywhere else out there. So, how we do outreach to our rural veterans has long been a challenge. You and I have had an opportunity to talk about that. But it’s everything from traveling the long distances, we’re not going to be able to put that veteran in a car. More likely than not, it’s going to be travel that requires flying. It may be trying to access them through telehealth but when you have limited broadband that’s a problem. Then we have shortages of local healthcare providers, it’s complicated in many ways. But all of our veterans deserve this care and I think we recognize that.

    So, know that I, along with Senator Collins, are very interested in any strategies that you are looking to advance to maintain and expand services in our rural communities. I have talked about establishing an outreach program that would send teams to rural areas that are off the road system to just kind of let them know about their benefits, about the services that are made available. We can’t necessarily do everything, but we can at least let you know this is what your VA can do for you. I would hope that you’d work with us to support that kind of an event.

    Collins: I definitely would and if you would allow me to expand just a minute on that: I think this is one of the issues that… I want us to break out of the model in many ways, and I say this in a very generic fashion. I want us to break out of the model that everything has to be the way we’ve always done it.

    Murkowski: Right.

    Collins: We have to go to a brick and mortar, we have to go to this as a clinic. We have one of the things, and it just highlighted recently: we had to close our ambulatory clinic. This is not a rural issue, but it’s sort of the class of the issue, we had to close our ambulatory clinic in L.A. because of the riots and other things going on in L.A. We had interrupted almost 1,800 appointments and some were telehealth, some we were able to move to others, but for the most part we had folks who weren’t getting care. Very familiar, if you were in the middle of a rural state or Alaska or anywhere else you’re not getting it.

    So, we were already beginning to see how could we bring in mobile clinics and others even in that area, in a safe area, where our appointments could be kept. So, for me, if we have those kind of resources, can we do those in states such as Alaska and others? Instead of always just defaulting to something as you said, like a telehealth model or a visiting doctor, maybe have regular roundabouts that have our health teams go out with these mobile vehicles that could actually do and provide primary care and others. Of course, they need to go elsewhere, and we could do that I think. I’m willing to think outside the box to do that. It would work in a very rural state, it could work in a state like you know New York, Georgia, anywhere else.

    Murkowski: You’ve kind of picked my brain. We provide or there are some non-profits and some for-profits that provide mobile mammography units, that go out to put them on a barge, you go up the river. It has provided access to women in rural parts of the state that would never be able to get this kind of screening. You can do that kind of teaming, but you do have to be willing to think outside the box a little bit, and I appreciate that you’re looking into that.

    Let me ask you here about the Tribal health side. I’m pleased that IHS and VA have entered into a reimbursement agreement as we’re trying to figure out how we access some of the unique challenges in VA services. Office of Tribal Government Relations, this is an office that has proven to be important. I would like to know if you think that that government relations office will continue. And then, the VA Advisory Committee on Tribal and Indian Affairs, this is another VA advisory body, this is under review. Know that the committee really does play a vital role in ensuring that Native voices are represented when VA policies are developed. We think that it’s good, it helps to advance culturally competent care, strengthens Tribal consultation, and helps the VA fulfill its commitment.

    So, I don’t know if you can give me an update on the current status of this committee and whether its work will continue uninterrupted. And then, if you can share with me whether or not you think the Office of Tribal Government Relations will continue.

    Collins: Yes, to both, they’re both going to be continuing and also, we’re continuing to outreach as well through, and as I said earlier, we’re making sure our intergovernmental offices and working with different organizations is strengthening. We brought in our caseload to make sure that we’re reaching out to States, Tribes, and others, that is being a part of what we do, so, they’re both increasing. Also, I’m looking forward to being there I think, if my schedule told me correctly, I’ll be up there in October. I think around some of these issues that will be going on with the Tribes.

    Murkowski: Great, hopefully you’re scheduling that trip to coincide with the Alaska Federation of Natives Conference in October.

    Collins: I believe it is, yes.

    Murkowski: That’s great. Mr. Chairman, I’ve got a couple questions that I’m going to submit for the record, one is on the roof of the Palmer Pioneer Home. I can’t let a hearing go by without mentioning that. As well as the electronic health record roll out,  as you know the Alaska VA system is going to get the roll out of this technology in 2026. There’s a lot of people anxious about that because previous rollouts have not exactly been fun. So, you will see those questions submitted for the record.

    Collins: I look forward to that and maybe later on you know, we’ll discuss it. Electronic health record is very important.

    Murkowski: Yes, it sure is, thank you. Thank you, Mr. Chairman.

    MIL OSI USA News –

    June 26, 2025
  • MIL-Evening Report: Yes, Victoria’s efforts to wean households off gas have been dialled back. But it’s still real progress

    Source: The Conversation (Au and NZ) – By Trivess Moore, Associate Professor in Property, Construction and Project Management, RMIT University

    MirageC/Getty

    On the question of gas, Victoria’s government faces pressure from many directions.

    The Bass Strait wells supplying Australia’s most gas-dependent state are running dry. Gas prices shot up in 2020 and have stayed high. Natural gas is mainly methane, a potent greenhouse gas.

    But weaning more than two million gas-using households off the fossil fuel is hard. The gas lobby pushed back against proposed changes, as did the Victorian Chamber of Commerce and Industry, while resistance from some stakeholders led to a backdown on plans to phase out gas cooktops.

    That’s why the government’s decision to introduce most of the proposed changes is good news. Early plans to require dead gas heaters to be replaced with electric are gone for private housing. But from 2027, new homes have to be all-electric, while landlords will have to replace defunct gas appliances with electric and have ceiling insulation. The move will cut energy bills and accelerate the shift away from gas.

    How did we get here?

    This week’s announcement comes after lengthy consultation on changes first proposed in 2021.

    Some early responses have been supportive, though the gas industry isn’t happy, claiming the reforms will restrict customer choice and cost households more.

    Premier Jacinta Allan pitched the announcement as a way to reserve dwindling and more expensive gas supplies for industry, stating:

    by 2029, these reforms will unlock just under 12 petajoules of gas every year […] by 2035, they’ll deliver 44 PJ annually – enough to meet 85% of Victoria’s forecast industrial demand.

    What are the main changes?

    From January 2027, all newly built homes have to be all-electric. This closes a loophole in existing rules where the all-electric rule only applied to new houses requiring a planning permit.

    When a gas hot water system reaches end of life in an existing house, it will have to be replaced with an efficient electric alternative from March 2027.

    The news is even better for the rental sector.

    In 2021, the state government introduced minimum requirements for rentals. These are now being upgraded to include improved energy efficiency.

    From March 2027, new energy efficiency rules will apply to rentals and public housing, including:

    • gas hot water systems and heaters must be replaced with efficient heat pumps at end of life

    • at the start of a new lease, the rental must have draught proofing, ceiling insulation installed with a minimum R5.0 rating when there is no insulation already, and an efficient electric cooling system in the main living area.

    To help households transition, all upgrades are covered under the Victorian Energy Upgrades program which will help reduce capital costs.

    These plans are welcome. They will cut household energy bills and help meet wider sustainability goals.

    As any Victorian who has sweltered over summer or frozen through winter knows, many of the state’s houses are not great on thermal performance. Most existing homes were built before the introduction of minimum standards in the early 2000s.

    Older homes are also more likely to present health risks such as mould and damp.

    Old gas hot water units in Victoria can be repaired, but replacements will have to be electric from 2027.
    Rusty Todaro/Shutterstock

    Trade-offs proved necessary

    During the consultation period, the Victorian government floated even more ambitious plans, such as requiring all households to replace dead gas heaters with efficient electric options.

    The government originally explored making electric induction cooktops mandatory in new builds. These plans didn’t get through, potentially because of the attachment some householders feel to their gas heaters and cooktops, as we found in our research.

    The state government looks to have decided not to let perfect be the enemy of the good. Better to make significant improvements even with some trade-offs.

    When the market isn’t enough

    Policymakers usually prefer the market to find solutions rather than requiring change through regulations.

    This isn’t always possible. Here, Victoria’s gas supply challenges, subpar housing stock and the pressing need to act on climate change means regulatory nudges are needed.

    Could the government’s changes trigger a backlash? It’s possible, especially if the changes are framed as an added cost to landlords and their tenants. All-electric households are cheaper to run, but it costs money upfront to replace appliances. Waiting until an appliance’s end of life and providing upgrade subsidies will help reduce the cost impact. High gas-users save more – a Melbourne household quitting gas would save almost A$14,000 over ten years.

    18 months until launch

    The first of these changes will be in place in just 18 months.

    Schemes such as this have to be structured carefully. To ensure they work as well as possible for renters in particular, we suggest measures to avoid unintended consequences, such as means-testing any subsidy schemes to avoid leaving out lower-income households.

    We found many householders cannot access reliable information on retrofits and don’t always trust the skills and information given by tradespeople. This is why it’s vital to have accessible, independent, accurate and trustworthy support in understanding how best to replace gas appliances with electric – and how to assess tradie qualifications.

    The government’s decision to exempt rentals with existing ceiling insulation means rentals with old or compacted insulation will miss out.

    Victoria should instead look to the Australian Capital Territory, which mandates installation of new R5.0 insulation if existing insulation isn’t at least R2.

    The government must also ensure renters don’t carry the upfront cost of the upgrades in higher rent. In Sweden, rent increases linked to energy efficiency upgrades were banned.

    For the public to take to these changes, the government must ensure communication is clear and early and that any financial support is adequate and targeted to those most in need.

    Trivess Moore has received funding from various organisations including the Australian Research Council, Australian Housing and Urban Research Institute, Victorian government and various industry partners. He is a trustee of the Fuel Poverty Research Network.

    Nicola Willand has received funding for research from various organisations, including the Australian Research Council, the Victorian state government, the Lord Mayor’s Charitable Foundation, the Future Fuels Collaborative Research Centre, the National Health and Medical Research Council, Energy Consumers Australia and the British Academy. She is a trustee of the Fuel Poverty Research Network charity and affiliated with the Australian Institute of Architects.

    Sarah Robertson has received funding from various organisations, including the Australian Research Council, Australian Housing and Urban Research Institute, Victorian state government, Lord Mayor’s Charitable Foundation, and VicHealth. She is a Steering Committee member for Future Earth Australia.

    – ref. Yes, Victoria’s efforts to wean households off gas have been dialled back. But it’s still real progress – https://theconversation.com/yes-victorias-efforts-to-wean-households-off-gas-have-been-dialled-back-but-its-still-real-progress-259695

    MIL OSI Analysis – EveningReport.nz –

    June 26, 2025
  • MIL-OSI: F&M Bank Announces Appointment of Ahmed Alomari to Board of Directors

    Source: GlobeNewswire (MIL-OSI)

    ARCHBOLD, Ohio, June 25, 2025 (GLOBE NEWSWIRE) — F&M Bank (“F&M”), an Archbold, Ohio-based bank owned by Farmers & Merchants Bancorp, Inc. (Nasdaq: FMAO), announces the appointment of Ahmed Alomari to the Board of Directors of both the Company and the Bank. Mr. Alomari was appointed by the F&M Board of Directors on June 24, 2025, at the monthly board meeting.

    Mr. Alomari is widely recognized for his expertise in Oracle database performance and enterprise systems architecture. He founded Cybernoor in 2007 and remained CEO until it was acquired in 2021 by Buchanan Technologies [Cybernoor Info]. As part of the acquisition, Alomari became the Executive Vice President for Buchanan Technologies, overseeing the company’s database and application operations [Buchanan Technologies Appoints Ahmed Alomari as Executive VP].

    “Ahmed brings a deep level of technical expertise and a strong track record of innovation and strategic insight,” said Lars Eller, President and CEO of F&M Bank. “His knowledge of enterprise systems and data performance will be a valuable asset as we continue to enhance our digital capabilities and technology infrastructure.”

    Mr. Alomari holds a degree in Computer Science from the University of Michigan’s School of Engineering.

    About F&M Bank

    F&M Bank is a local independent community bank that has been serving its communities since 1897. F&M Bank provides commercial banking, retail banking and other financial services. Our locations are in Butler, Champaign, Fulton, Defiance, Hancock, Henry, Lucas, Shelby, Williams, and Wood counties in Ohio. In Northeast Indiana, we have offices located in Adams, Allen, DeKalb, Jay, Steuben and Wells counties. The Michigan footprint includes Oakland County, and we have Loan Production Offices in Troy, Michigan; Muncie, Indiana; and Perrysburg and Bryan, Ohio.

    Safe harbor statement

    Private Securities Litigation Reform Act of 1995. Statements by F&M, including management’s expectations and comments, may not be based on historical facts and are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21B of the Securities Exchange Act of 1934, as amended. Actual results could vary materially depending on risks and uncertainties inherent in general and local banking conditions, competitive factors specific to markets in which F&M and its subsidiaries operate, future interest rate levels, legislative and regulatory decisions, capital market conditions, or the effects of the COVID-19 pandemic, and its impacts on our credit quality and business operations, as well as its impact on general economic and financial market conditions. F&M assumes no responsibility to update this information. For more details, please refer to F&M’s SEC filing, including its most recent Annual Report on Form 10-K and quarterly reports on Form 10-Q. Such filings can be viewed at the SEC’s website, www.sec.gov or through F&M’s website www.fm.bank.

    Company Contact: Investor and Media Contact:
    Lars B. Eller
    President and Chief Executive Officer
    Farmers & Merchants Bancorp, Inc.
    (419) 446-2501
    leller@fm.bank
    Andrew M. Berger
    Managing Director
    SM Berger & Company, Inc.
    (216) 464-6400
    andrew@smberger.com

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/81637346-a2e6-4544-b7ff-fe65be09b5e1

    The MIL Network –

    June 26, 2025
  • MIL-OSI: F&M Bank Announces Appointment of Ahmed Alomari to Board of Directors

    Source: GlobeNewswire (MIL-OSI)

    ARCHBOLD, Ohio, June 25, 2025 (GLOBE NEWSWIRE) — F&M Bank (“F&M”), an Archbold, Ohio-based bank owned by Farmers & Merchants Bancorp, Inc. (Nasdaq: FMAO), announces the appointment of Ahmed Alomari to the Board of Directors of both the Company and the Bank. Mr. Alomari was appointed by the F&M Board of Directors on June 24, 2025, at the monthly board meeting.

    Mr. Alomari is widely recognized for his expertise in Oracle database performance and enterprise systems architecture. He founded Cybernoor in 2007 and remained CEO until it was acquired in 2021 by Buchanan Technologies [Cybernoor Info]. As part of the acquisition, Alomari became the Executive Vice President for Buchanan Technologies, overseeing the company’s database and application operations [Buchanan Technologies Appoints Ahmed Alomari as Executive VP].

    “Ahmed brings a deep level of technical expertise and a strong track record of innovation and strategic insight,” said Lars Eller, President and CEO of F&M Bank. “His knowledge of enterprise systems and data performance will be a valuable asset as we continue to enhance our digital capabilities and technology infrastructure.”

    Mr. Alomari holds a degree in Computer Science from the University of Michigan’s School of Engineering.

    About F&M Bank

    F&M Bank is a local independent community bank that has been serving its communities since 1897. F&M Bank provides commercial banking, retail banking and other financial services. Our locations are in Butler, Champaign, Fulton, Defiance, Hancock, Henry, Lucas, Shelby, Williams, and Wood counties in Ohio. In Northeast Indiana, we have offices located in Adams, Allen, DeKalb, Jay, Steuben and Wells counties. The Michigan footprint includes Oakland County, and we have Loan Production Offices in Troy, Michigan; Muncie, Indiana; and Perrysburg and Bryan, Ohio.

    Safe harbor statement

    Private Securities Litigation Reform Act of 1995. Statements by F&M, including management’s expectations and comments, may not be based on historical facts and are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21B of the Securities Exchange Act of 1934, as amended. Actual results could vary materially depending on risks and uncertainties inherent in general and local banking conditions, competitive factors specific to markets in which F&M and its subsidiaries operate, future interest rate levels, legislative and regulatory decisions, capital market conditions, or the effects of the COVID-19 pandemic, and its impacts on our credit quality and business operations, as well as its impact on general economic and financial market conditions. F&M assumes no responsibility to update this information. For more details, please refer to F&M’s SEC filing, including its most recent Annual Report on Form 10-K and quarterly reports on Form 10-Q. Such filings can be viewed at the SEC’s website, www.sec.gov or through F&M’s website www.fm.bank.

    Company Contact: Investor and Media Contact:
    Lars B. Eller
    President and Chief Executive Officer
    Farmers & Merchants Bancorp, Inc.
    (419) 446-2501
    leller@fm.bank
    Andrew M. Berger
    Managing Director
    SM Berger & Company, Inc.
    (216) 464-6400
    andrew@smberger.com

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/81637346-a2e6-4544-b7ff-fe65be09b5e1

    The MIL Network –

    June 26, 2025
  • MIL-OSI: F&M Bank Announces Appointment of Ahmed Alomari to Board of Directors

    Source: GlobeNewswire (MIL-OSI)

    ARCHBOLD, Ohio, June 25, 2025 (GLOBE NEWSWIRE) — F&M Bank (“F&M”), an Archbold, Ohio-based bank owned by Farmers & Merchants Bancorp, Inc. (Nasdaq: FMAO), announces the appointment of Ahmed Alomari to the Board of Directors of both the Company and the Bank. Mr. Alomari was appointed by the F&M Board of Directors on June 24, 2025, at the monthly board meeting.

    Mr. Alomari is widely recognized for his expertise in Oracle database performance and enterprise systems architecture. He founded Cybernoor in 2007 and remained CEO until it was acquired in 2021 by Buchanan Technologies [Cybernoor Info]. As part of the acquisition, Alomari became the Executive Vice President for Buchanan Technologies, overseeing the company’s database and application operations [Buchanan Technologies Appoints Ahmed Alomari as Executive VP].

    “Ahmed brings a deep level of technical expertise and a strong track record of innovation and strategic insight,” said Lars Eller, President and CEO of F&M Bank. “His knowledge of enterprise systems and data performance will be a valuable asset as we continue to enhance our digital capabilities and technology infrastructure.”

    Mr. Alomari holds a degree in Computer Science from the University of Michigan’s School of Engineering.

    About F&M Bank

    F&M Bank is a local independent community bank that has been serving its communities since 1897. F&M Bank provides commercial banking, retail banking and other financial services. Our locations are in Butler, Champaign, Fulton, Defiance, Hancock, Henry, Lucas, Shelby, Williams, and Wood counties in Ohio. In Northeast Indiana, we have offices located in Adams, Allen, DeKalb, Jay, Steuben and Wells counties. The Michigan footprint includes Oakland County, and we have Loan Production Offices in Troy, Michigan; Muncie, Indiana; and Perrysburg and Bryan, Ohio.

    Safe harbor statement

    Private Securities Litigation Reform Act of 1995. Statements by F&M, including management’s expectations and comments, may not be based on historical facts and are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21B of the Securities Exchange Act of 1934, as amended. Actual results could vary materially depending on risks and uncertainties inherent in general and local banking conditions, competitive factors specific to markets in which F&M and its subsidiaries operate, future interest rate levels, legislative and regulatory decisions, capital market conditions, or the effects of the COVID-19 pandemic, and its impacts on our credit quality and business operations, as well as its impact on general economic and financial market conditions. F&M assumes no responsibility to update this information. For more details, please refer to F&M’s SEC filing, including its most recent Annual Report on Form 10-K and quarterly reports on Form 10-Q. Such filings can be viewed at the SEC’s website, www.sec.gov or through F&M’s website www.fm.bank.

    Company Contact: Investor and Media Contact:
    Lars B. Eller
    President and Chief Executive Officer
    Farmers & Merchants Bancorp, Inc.
    (419) 446-2501
    leller@fm.bank
    Andrew M. Berger
    Managing Director
    SM Berger & Company, Inc.
    (216) 464-6400
    andrew@smberger.com

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/81637346-a2e6-4544-b7ff-fe65be09b5e1

    The MIL Network –

    June 26, 2025
  • MIL-OSI: F&M Bank Announces Appointment of Ahmed Alomari to Board of Directors

    Source: GlobeNewswire (MIL-OSI)

    ARCHBOLD, Ohio, June 25, 2025 (GLOBE NEWSWIRE) — F&M Bank (“F&M”), an Archbold, Ohio-based bank owned by Farmers & Merchants Bancorp, Inc. (Nasdaq: FMAO), announces the appointment of Ahmed Alomari to the Board of Directors of both the Company and the Bank. Mr. Alomari was appointed by the F&M Board of Directors on June 24, 2025, at the monthly board meeting.

    Mr. Alomari is widely recognized for his expertise in Oracle database performance and enterprise systems architecture. He founded Cybernoor in 2007 and remained CEO until it was acquired in 2021 by Buchanan Technologies [Cybernoor Info]. As part of the acquisition, Alomari became the Executive Vice President for Buchanan Technologies, overseeing the company’s database and application operations [Buchanan Technologies Appoints Ahmed Alomari as Executive VP].

    “Ahmed brings a deep level of technical expertise and a strong track record of innovation and strategic insight,” said Lars Eller, President and CEO of F&M Bank. “His knowledge of enterprise systems and data performance will be a valuable asset as we continue to enhance our digital capabilities and technology infrastructure.”

    Mr. Alomari holds a degree in Computer Science from the University of Michigan’s School of Engineering.

    About F&M Bank

    F&M Bank is a local independent community bank that has been serving its communities since 1897. F&M Bank provides commercial banking, retail banking and other financial services. Our locations are in Butler, Champaign, Fulton, Defiance, Hancock, Henry, Lucas, Shelby, Williams, and Wood counties in Ohio. In Northeast Indiana, we have offices located in Adams, Allen, DeKalb, Jay, Steuben and Wells counties. The Michigan footprint includes Oakland County, and we have Loan Production Offices in Troy, Michigan; Muncie, Indiana; and Perrysburg and Bryan, Ohio.

    Safe harbor statement

    Private Securities Litigation Reform Act of 1995. Statements by F&M, including management’s expectations and comments, may not be based on historical facts and are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21B of the Securities Exchange Act of 1934, as amended. Actual results could vary materially depending on risks and uncertainties inherent in general and local banking conditions, competitive factors specific to markets in which F&M and its subsidiaries operate, future interest rate levels, legislative and regulatory decisions, capital market conditions, or the effects of the COVID-19 pandemic, and its impacts on our credit quality and business operations, as well as its impact on general economic and financial market conditions. F&M assumes no responsibility to update this information. For more details, please refer to F&M’s SEC filing, including its most recent Annual Report on Form 10-K and quarterly reports on Form 10-Q. Such filings can be viewed at the SEC’s website, www.sec.gov or through F&M’s website www.fm.bank.

    Company Contact: Investor and Media Contact:
    Lars B. Eller
    President and Chief Executive Officer
    Farmers & Merchants Bancorp, Inc.
    (419) 446-2501
    leller@fm.bank
    Andrew M. Berger
    Managing Director
    SM Berger & Company, Inc.
    (216) 464-6400
    andrew@smberger.com

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/81637346-a2e6-4544-b7ff-fe65be09b5e1

    The MIL Network –

    June 26, 2025
  • MIL-Evening Report: New climate reporting rules start on July 1. Many companies are not ready for the change

    Source: The Conversation (Au and NZ) – By Rachel Baird, Senior Lecturer , University of Tasmania

    PaeGAG/Shutterstock

    A new financial year starts on July 1. For Australia’s large companies, that means new rules on climate-related disclosures come into force.

    These requirements are the culmination of years of planning to ensure companies disclose climate-related risks and opportunities for their business. The Albanese government passed the legislation in September 2024.

    To be clear, the time to prepare is gone. From July 1, large public companies and financial institutions must gather significant amounts of information and data to include in a new year-end sustainability report. Collecting all this information is one challenge; another is finding the specialists across many fields to compile the reports.

    This is a huge change for corporate Australia. It is a whole new reporting regime, supported by volumes of technical detail. Directors will need to sign off on the report. Investors must also upskill to make sense of the disclosures. Neither of these outcomes is assured.

    And it is not clear the increased disclosures will do anything to reduce actual emissions.

    Climate impacts in focus

    Though it’s called a sustainability report, in reality it is very much focused on climate-related disclosures. If you go looking for wider sustainability matters such as social impact, environmental performance and ethical choices, you will be disappointed.

    Markets and ultimately the millions of Australians who hold shares will be watching to find out if:

    1. Corporate Australia is prepared for the transition to this new regulatory regime

    2. End users of the new reports are equipped to decipher and understand the huge amount of additional data.

    My research suggests the answer to both questions is a resounding no.

    Starting with the big end of town

    The government has wisely adopted a three-year transition for the new reporting regime, with only the big end of town facing the music this year. Think the big four banks, big supermarkets and large miners.

    Some large corporations have been publishing sustainability reports for years. National Australia Bank, for example, published its first one in 2017.

    Over the next two years, medium and then smaller companies will join the fold. By 2027–28, companies will be required to report if they meet two of three thresholds: consolidated revenue of A$50 million, or consolidated gross assets of $25 million, or more than 100 employees.

    The reasoning behind the transition is they have the benefit of watching how the larger companies adapt to the new laws.

    What has to be disclosed?

    Reporting entities must include:

    – climate statements for the year plus any notes, and

    – the directors’ declaration about these statements and notes

    This sounds rather simple and straightforward, but it is not.

    Arriving at a completed sustainability report involves an understanding of two detailed documents: the international standards and a new Australian Accounting Sustainability Standard.

    The Australian standards are mandatory and based on the international rules. In broad terms, companies will be required to gather and disclose information on many micro-level issues, which are grouped into four categories. These are: governance, strategy, risk management, and metrics and targets.

    Some issues will straddle all four categories.

    For example, the physical risk of climate change (floods, uninsurable properties, supply chain disruption) can be considered at the board level and in dedicated climate committees (goverance); in planning for alternative supply chains in a climate transition plan (strategy); in risk assessment (risk management) and in data prediction of the costs involved (metrics and targets).

    The big challenge for corporate Australia is that the people, expertise and time required to deliver a sustainability report are in short supply.

    More than a quarter of ASX 200 companies do not use the international standards. This means they are not positioned to adapt to the new reporting regime. Even for those that have been early adopters, there has been selective use of the four categories.

    For the smaller companies that will follow the first reporting year, the stakes are high.

    More information is not always better

    The amount of new information (much of it technical) to be disclosed will be overwhelming for the producers of the sustainability reports – and for the readers, whether they are institutional or mum-and-dad investors.

    The cost of collecting and making sense of the data required to meet detailed reporting requirements will lead to many companies being swamped in data. More data collected does not equal better data.

    Deciding what data to collect and then making sense of it so it supports disclosures will be a major headache for most companies.

    The new climate disclosure rules will have a profound impact on corporate Australia. There is a significant gap in capacity and capability to meet the requirements of the new reporting regime. And there is a corresponding need to educate the readers of these new reports to make effective use of the disclosed information.

    Rachel Baird does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. New climate reporting rules start on July 1. Many companies are not ready for the change – https://theconversation.com/new-climate-reporting-rules-start-on-july-1-many-companies-are-not-ready-for-the-change-258706

    MIL OSI Analysis – EveningReport.nz –

    June 26, 2025
  • MIL-Evening Report: ‘I’m not going to give up’: how to help more disadvantaged young people go to uni and TAFE

    Source: The Conversation (Au and NZ) – By Lucas Walsh, Professor and Director of the Centre for Youth Policy and Education Practice, Monash University

    Oliver Rossi/ Getty Images

    On Wednesday, Education Minister Jason Clare hailed an increase in the numbers of Australians starting a university degree. In 2024, there was a 3.7% increase in Australian students starting a degree, compared to the year before.

    This follows Clare’s ambition to see more Australians with a tertiary qualification. The federal government wants 80% of workers to have a TAFE or university qualification by by 2050, up from the current 60%.

    A key part of this will be supporting more young people from disadvantaged backgrounds to go on to further study.

    How can we do this? New data from the OECD and a new report from The Smith Family give us further insight into the issues and shows what is working for a group of disadvantaged young Australians.

    Young people and career uncertainty

    Last month, the OECD launched a tool to track teenagers’ career readiness across internationally comparable indicators.

    This shows us how disadvantaged Australian students are less likely than advantaged students to have certainty about the kind of job they would like at age 30 (69% compared to 77%).

    In this context, we are talking about socioeconomic disadvantage, including parents’ education and occupation and resources at home. This can have a “powerful influence” on students’ learning outcomes.

    Career uncertainty is an issue because studies suggest teenagers who have clear plans typically have better employment outcomes.

    What about ambition?

    Even for those with some certainty about the kind of occupation they would like to be working in at age 30, there is a significant gap between advantaged and disadvantaged students’ ambitions.

    The OECD tool shows 55% of disadvantaged students aspire to work as a senior manager or professional, compared to 80% of advantaged students. Similarly, 56% of disadvantaged students aspire to undertake tertiary education (either via a short course or university) compared to 85% of advantaged students.

    Disadvantaged students are also more likely to aspire to an occupation that requires tertiary education while not planning to complete a qualification at that level. One in four (26%) disadvantaged students are misaligned in such ambitions compared to 9% of advantaged students.

    Disadvantaged students are less likely to say they feel well-prepared for their future after school (57% compared to 70%) and less likely to have searched the internet for information about careers (80% compared to 91%).

    These trends suggest a need to enhance career education in school that supports disadvantaged students to better plan and prepare for their post-school pathways.

    What can help?

    A new report provides insight into how we can better support disadvantaged young people in their careers.

    From 2021 to 2023, The Smith Family did surveys and interviews with the same group of financially disadvantaged young people. There were almost 800 young people in the group, who were in Year 12 in 2020. They came from all Australian states and territories.

    Echoing the OECD data, participants were often uncertain about where to go for help or how to develop and pursue a career pathway they valued. The study showed several things can help young people find a path to work, training or study after school. They include:

    • a focus on direct career development skills both at school and post-school. This should include personalised career advice and support, which helps young people articulate their post-school plans and the steps required to achieve this plan

    • support that starts earlier than Year 12

    • support for family members’ to access up-to-date labour market, education and training information and support strategies

    • providing more opportunities to meet employers and build career-related adult networks.

    One young person, Byron, talked about how his careers adviser at school had organised for him to meet a paramedic and find out what the role involved.

    [My teacher] helped me get information for how I could achieve that goal […].

    Braden – whose parents had not finished school – also talked about emotional support provided by his high school teachers:

    There were a lot of teachers who were very supportive and really wanted to see me make it through.

    Does it work?

    With these supports, most young people in the study were trying to build their careers, through work, study or a combination of both.

    By their third year after leaving school, 87% were working and/or studying and 60% were on track to complete a post-school qualification. This is up from 77% in the first year of the study. As Evanna, who is working towards her goal of joining the police, said “I’m not going to give up”.

    Lucas Walsh receives funding from the Australian Research Council. He has worked with The Smith Family and sits in a voluntary capacity on the Growing Careers Project External Reference Group. He was not involved in the creation of the report discussed in this article

    – ref. ‘I’m not going to give up’: how to help more disadvantaged young people go to uni and TAFE – https://theconversation.com/im-not-going-to-give-up-how-to-help-more-disadvantaged-young-people-go-to-uni-and-tafe-259444

    MIL OSI Analysis – EveningReport.nz –

    June 26, 2025
  • MIL-Evening Report: 500,000 Australians live with mental illness but don’t qualify for the NDIS. A damning new report says they need more support

    Source: The Conversation (Au and NZ) – By Sebastian Rosenberg, Associate Professor, Health Research Institute, University of Canberra, and Brain and Mind Centre, University of Sydney

    stellalevi/Getty

    Half a million Australians are living with moderate to severe mental illness, but they don’t qualify for the National Disability Insurance Scheme (NDIS) and cannot access the support they need.

    In a damning report released on Tuesday, the Productivity Commission says addressing this gap must be an urgent priority for all governments.

    The commission is currently reviewing the Mental Health and Suicide Prevention Agreements, signed by the federal government and each state and territory. They aim to improve the community’s mental health and reduce suicide.

    The commission has found little progress, calling the agreements “not fit for purpose”.

    So, how did we get here? And what should happen next?

    More than a lack of funding

    In 1992, the year of Australia’s first national mental health policy, 7.25% of the total health budget was allocated to mental health. In 2022-23, it was still only 7.31%.

    Yet, mental health and drug and alcohol issues account for nearly 15% of Australia’s total burden of disease. While mental health remains woefully underfunded, it is hard to expect much change.

    However, the commission’s main criticism isn’t about funding – it’s about the fragmented way mental health is tackled and the failure of federal and state governments to work together.

    While the agreements may have set out “what to do”, the report says they have failed to describe how change should happen.

    This lack of specific objectives, goals and targets has prevented national mental health reform at the scale required.

    Psychosocial supports

    The report says addressing the lack of psychosocial supports outside the NDIS – a gap that affects 500,000 Australians – must be an urgent priority for states, territories and the federal government.

    Psychosocial supports are non-clinical services for people experiencing mental illness that enable them to live independently and safely in the community.

    For decades, community and charitable organisations have provided these support services in Australia. They can connect people with mental illness to health, housing, employment, education or other community services. This helps people socialise and maintain relationships and daily living skills.

    There is already very strong Australian evidence that psychosocial support services can help people recover from even severe mental illness, improve their quality of life, provide earlier intervention and reduce the burden on hospital-based mental health care.

    Yet, Australia has never adequately funded psychosocial care.

    In 1992, these services received just under 2% of total spending on mental health by the states and territories. In 2022-23, it was 6%.

    The ‘missing middle’

    The lack of psychosocial services, and of community-based mental health care more broadly, is one of the key gaps in Australia’s existing mental health system, giving rise to the term “the missing middle”. This describes people with needs too complex for primary care (such as general practice), but not urgent enough to warrant hospital admission.

    The introduction of the NDIS failed to arrest this gap – and may have made it worse. The scheme was only ever designed to provide support to 64,000 Australians with the most severe, enduring, psychosocial disability.

    In providing funds to set up the NDIS, the federal government, in fact, closed some psychosocial programs it had only recently begun, such as Partners in Recovery and Personal Helpers and Mentors. State and territory funding for psychosocial services was already extremely limited, but they, too, withdrew some community-based supports.

    The neglect of psychosocial services fits into a broader pattern that affects all community mental health services because responsibility for mental health is split.

    The federal government manages primary mental health services, mostly provided by GPs and psychologists under Medicare. Meanwhile, state and territory governments focus on hospital-based, emergency, acute inpatient and outpatient services.

    Currently, nobody is responsible for community mental health care. No wonder these “secondary” services, both clinical and psychosocial, have failed to flourish.

    What’s next?

    The Productivity Commission’s interim report rightly recommends Australia urgently address this gap in psychosocial care.

    Governments are now considering a “foundational supports” funding stream, which would provide psychosocial services for people outside the NDIS.

    However, in 2020, the Productivity Commission found our mental health system to be fragmented and disorganised. Just adding one more funding stream or program to this environment probably won’t help.

    Before considering who funds what, real mental health reform should be based on a clear map that lays out how our mental health system should be organised and the respective role of medical, clinical and psychosocial care in that system.

    Where does the evidence indicate people should go for care? What services should they receive? And what should happen next if their mental health improves or declines?

    This kind of system-wide map can guide investments and prioritise reform, region by region. This would properly put the person, not the funders, at the centre of care.

    If this article has raised issues for you, or if you’re concerned about someone you know, call Lifeline on 13 11 14.

    Sebastian Rosenberg does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. 500,000 Australians live with mental illness but don’t qualify for the NDIS. A damning new report says they need more support – https://theconversation.com/500-000-australians-live-with-mental-illness-but-dont-qualify-for-the-ndis-a-damning-new-report-says-they-need-more-support-259549

    MIL OSI Analysis – EveningReport.nz –

    June 26, 2025
  • MIL-Evening Report: Remote cave discovery shows ancient voyagers brought rice across 2,300km of Pacific Ocean

    Source: The Conversation (Au and NZ) – By Hsiao-chun Hung, Senior Research Fellow, School of Culture, History & Language, Australian National University

    Ritidian beach, Guam. Hsiao-chun Hung

    In a new study published today in Science Advances, my colleagues and I have uncovered the earliest evidence of rice in the Pacific Islands – at an ancient cave site on Guam in the Mariana Islands of western Micronesia.

    The domesticated rice was transported by the first islanders, who sailed 2,300 kilometres of open ocean from the Philippines about 3,500 years ago.

    The discovery settles long-standing academic debates and satisfies decades of curiosity about the origins and lifestyles of early Pacific peoples.

    The case of the Marianas, located more than 2,000km east of the Philippines and northeast of Indonesia, is especially intriguing. These islands were the first places in Remote Oceania reached by anyone, in this case inhabited for the first time by Malayo-Polynesian-speaking populations from islands in Southeast Asia.

    For nearly two decades, scholars debated the timing and the overseas source of these first islanders, the ancestors of today’s Chamorro people. How did they come to Guam and the Marianas?

    Archaeological research has confirmed settlement in the Mariana Islands 3,500 years ago at several sites in Guam, Tinian and Saipan.

    In 2020, the first ancient DNA analysis from Guam confirmed what archaeology and linguistics had suggested: the early settlers came from central or northern Philippines. Further ancestral links trace them back to Taiwan, the homeland of both their language and their genetics.

    A well-planned journey with rice onboard

    Was this epic voyage intentional or accidental? What food source allowed these early seafarers to survive?

    Today, Pacific islanders rely mostly on breadfruit, banana, coconut, taro and yams. Rice, though a staple food in ancient and modern Asian societies, is challenging to grow in the Pacific due to environmental constraints, including soil type, rainfall and terrain.

    Rice was originally domesticated in central China about 9,000 years ago and was spread by Neolithic farming communities as they migrated to new regions. One of the most remarkable of these expansions began in coastal southern China, moved to Taiwan, and spread through the islands of Southeast Asia into the Pacific.

    The migration laid the foundations of the Austronesian world, which today comprises nearly 400 million individuals dispersed across an expansive area stretching from Taiwan to New Zealand, and from Madagascar to Easter Island.

    For more than a decade, we searched for evidence of early rice in open archaeological sites across the Mariana Islands, but found nothing conclusive.

    This study marks the first clear evidence of ancient rice in the Pacific Islands. It also confirms renowned American linguist Robert Blust’s hypothesis that the earliest Chamorros brought cultivated plants with them, including rice.

    We found evidence of rice in the Ritidian Beach Cave, which would have been used for ceremonial purposes.
    Hsiao-chun Hung

    How we identified the rice

    Our research took us to Ritidian Beach Cave in Guam. To confirm what we found in the cave were rice remains, we used phytolith analysis. Phytoliths are microscopic silica structures formed in plant cells that persist long after the plant has decayed.

    Once our initial results confirmed the presence of rice, a more detailed analysis revealed we had found the traces of rice husks preserved on the surfaces of ancient earthenware pottery.

    Next, we used detailed microscopic analysis to figure out whether these husks had been mixed into the clay to keep it from cracking when it dried (a tempering technique commonly used by ancient potters) or had arrived by other means. We also analysed the sediment to rule out that the husks were deposited at the site later than the pottery.

    Our findings showed the rice husks were not used for manufacturing the pottery. Rather, they came from a separate, deliberate activity using the finished pottery bowls.

    Rice phytoliths from excavations at Ritidian Beach Cave in Guam.
    Hsiao-chun Hung

    Ritual use in sacred caves?

    The setting of the discovery – a beach cave – gives us another interpretive perspective.

    In Chamorro traditions, caves are sacred places for important spiritual practices.

    According to records of 1521 through 1602, the Chamorro people in the Marianas grew rice in limited amounts and consumed it only sparingly, reserved for special occasions and critical life events, such as the impending death of a loved one. Rice became more common after the intensive Spanish colonial period, after 1668.

    In this context, the ancient islanders more likely used rice during ceremonial practices in or around caves, rather than as a staple food for daily cooking or agriculture.

    One of the greatest journeys in human history

    This study provides strong evidence that the first long-distance ocean crossings into the Pacific were not accidental. People carefully planned the voyages. Early seafarers brought with them not only the tools of survival but also their symbolic and culturally meaningful plants, such as rice.

    They were equipped, prepared and resolute, completing one of the most extraordinary voyages in the history of humanity.

    Hsiao-chun Hung receives funding from the Australian Research Council.

    – ref. Remote cave discovery shows ancient voyagers brought rice across 2,300km of Pacific Ocean – https://theconversation.com/remote-cave-discovery-shows-ancient-voyagers-brought-rice-across-2-300km-of-pacific-ocean-259667

    MIL OSI Analysis – EveningReport.nz –

    June 26, 2025
  • MIL-OSI United Nations: In Dialogue with Kazakhstan, Experts of the Human Rights Committee Commend the Abolition of the Death Penalty, Ask about Excessive Use of Force during 2022 Demonstrations and Internet Censorship

    Source: United Nations – Geneva

    The Human Rights Committee today concluded its consideration of the third periodic report of Kazakhstan on how it implements the provisions of the International Covenant on Civil and Political Rights, with Committee Experts commending the State’s abolition of the death penalty, and raising issues concerning excessive use of force by law enforcement officials during demonstrations in January 2022 and internet censorship.

    Changrok Soh, Committee Chairperson, and other Committee Experts commended Kazakhstan for its abolition of the death penalty and ratification of the Second Optional Protocol to the Covenant.

    A Committee Expert cited reports of excessive use of force during demonstrations in January 2022 that resulted in the deaths of several peaceful protesters.  Investigations into these incidents were reportedly insufficient. What measures would the State party take to hold perpetrators to account, and provide adequate remedies to victims and their families?

    Another Committee Expert said Kazakhstan had not amended legislation allowing the Prosecutor General to shut down websites without court approval.  Provisions designed to protect children from cyberbullying were reportedly misused to censor and restrict information, as were internet blackouts. Could the delegation comment on these issues?

    Botagoz Zhaxelekova, Vice-Minister of Justice of Kazakhstan and head of the delegation, said that, as part of national action plans, systemic efforts had been made to enhance human rights protections.  These included the ratification of the Second Optional Protocol, aimed at the abolition of the death penalty, without reservations.  Kazakhstan was currently working with countries in Central Asia and Mongolia to make the region the first death penalty-free zone.

    In the ensuing discussion, the delegation said that the 2022 incident was a mass uprising that led to numerous injuries to law enforcement officials.  Investigations had been initiated into the incident, with nine officials sentenced for the excessive use of arms.  Monitoring visits had led to the release of around 400 people who were arbitrarily detained.

    On internet censorship, the delegation said this year, around 1,000 warning letters were issued to website operators calling for illegal content to be removed.  If it was removed, the site was not blocked.  Internet services could only be suspended in emergency situations and when there was an extreme threat to public safety, such as during the January 2022 events.  The 2023 law on online platforms was based on the European Union’s digital services act. It was geared toward the liberalisation of the online sphere.

    Ms. Zhaxelekova, in concluding remarks, thanked the Committee for the constructive dialogue, and all those who had facilitated the dialogue.  The Committee’s recommendations would be considered by the State and incorporated into future human rights action plans, she said.

    In his concluding remarks, Mr. Soh said the delegation had engaged actively in the dialogue, which had addressed judicial independence, the prohibition of torture, and the rights of vulnerable groups, among other topics.  The Committee expressed particular concern regarding the lack of accountability for the January 2022 events and restrictions on civil society and freedom of assembly.  It hoped that the dialogue would translate into increased protection of civil and political rights in Kazakhstan.

    The delegation of Kazakhstan was made up of representatives of the Ministry of Labour and Social Protection of the Population; Ministry of Culture and Information; Ministry of Education; Ministry of Foreign Affairs; Ministry of Internal Affairs; Ministry of Justice; Court Administration; Anti-Corruption Agency; Prosecutor General’s Office; and the Permanent Mission of Kazakhstan to the United Nations Office at Geneva.

    The Human Rights Committee’s one hundred and forty-fourth session is being held from 23 June to 17 July 2025.  All the documents relating to the Committee’s work, including reports submitted by States parties, can be found on the session’s webpage.  Meeting summary releases can be found here.  The webcast of the Committee’s public meetings can be accessed via the UN Web TV webpage.

    The Committee will next meet in public at 3 p.m. on Thursday, 26 June to begin its consideration of the initial report of Guinea Bissau (CCPR/C/GNB/1).

    Report

    The Committee has before it the third periodic report of Kazakhstan (CCPR/C/KAZ/3).

    Presentation of the Report

    BOTAGOZ ZHAXELEKOVA, Vice-Minister of Justice of Kazakhstan and head of the delegation, said international obligations were an integral part of Kazakhstan’s national legal system.  The provisions of the Covenant took precedence over national legislation, and the State’s primary priority was the protection of citizens’ rights.

    During the reporting period, the State made far-reaching reforms aiming to consolidate democracy and build a just Kazakhstan. In 2022, constitutional reforms reinforced human rights protections for all Kazakh citizens, moving the State from a super-Presidential form of Government to a Presidential Republic with a strengthened Parliament.  The President could now serve only a single seven-year term and could not seek re-election. Rural mayors were now directly elected, and regional authorities had been granted greater autonomy. 

    The role of the lower house of Parliament in forming the Government had been strengthened – Parliament’s consent was now required for the appointment of the Prime Minister and other members of the Government.  The lower house was also empowered to hear reports from the Government, including on human rights issues.

    In addition, the registration process for political parties had been simplified; the electoral process had been improved; and the registration threshold had been reduced fourfold, from 20,000 to 5,000 members.  For the first time, six political parties, including opposition parties, were represented in the lower house.  Nearly half of the members of Parliament had been newly elected, including independent candidates.  A 30 per cent quota for women, youth, and persons with disabilities was introduced for the allocation of party list mandates.  The Mazhilis (lower house of Parliament) now included 18 women, six persons with disabilities, and eight individuals under the age of 35.

    The Constitutional Court had been re-established as a key mechanism for protecting rights and freedoms.  All citizens could appeal to it free of charge, and interpretation services were available.  To date, the Court had issued over 500 rulings and 71 final decisions.  In 20 per cent of reviewed cases, legal provisions were found to be unconstitutional.

    Constitutional law had expanded the powers of the Human Rights Commissioner, who could now directly address the President, both chambers of Parliament, and the Government with proposals to improve human rights mechanisms and initiate systemic legislative measures.  The Ombudsman was empowered to file lawsuits to defend the rights of an unlimited number of individuals, access all penal institutions freely, interview any person, and intervene in cases of rights violations. Regional Ombudspersons for the rights of children and for socially vulnerable groups had also been appointed across the country.

    Extensive work had been carried out in the field of lawmaking.  Laws adopted during the reporting period included the law on peaceful assemblies, which introduced a notification-based system for assemblies; a law decriminalising defamation; a law granting citizens and civil society organizations the right to oversee Government and quasi-public entities; a law obliging the Government to respond to petitions that received more than 50,000 signatures; a law expanding journalists’ rights to access and disseminate information; and the Social Code, which guaranteed equality and the inadmissibility of discrimination in all areas of life and increased State social benefits by 15 per cent. 

    Other laws adopted included a law aimed at protecting victims of domestic violence, which led to the annual number of crimes against women decreasing by 2.5 times; legislation increasing penalties for crimes against the sexual integrity of children; a law granting public monitoring commissions and the national preventive mechanism unrestricted access to all closed facilities in the country without prior notice and establishing criminal liability for cruel and inhuman treatment; and a law on combatting human trafficking.

    As a result of preventive measures, the number of registered torture cases had declined each year.  In 2024, the number fell by 40 per cent.  Since 2020, a Compensation Fund for Victims of Torture had been operating, and over the past five years, more than 3,000 compensation payments had been made.

    Kazakhstan was also taking measures to protect its citizens abroad.  From 2019 to 2021, the country carried out special operations repatriating 754 individuals from Syria, including 526 children and citizens of neighbouring countries.  All children received passports and women were supported to return to a normal life.

    As part of national action plans, systemic efforts had been made to enhance human rights protections.  A total of 94 actions had been planned, more than 75 per cent of which had already been implemented.  These included the ratification of the Second Optional Protocol to the Covenant, aimed at the abolition of the death penalty, without reservations.  This commitment was also enshrined in the Constitution.  Kazakhstan was currently working with countries in Central Asia and Mongolia to make the region the first death penalty-free zone.  In 2023, Kazakhstan also ratified two Optional Protocols: one to the Convention on the Rights of the Child and another to the Convention on the Rights of Persons with Disabilities. 

    To ensure the effective implementation of decisions and requests from United Nations committees, a working group was established in 2022.  It included representatives from the main State authorities.  Kazakhstan had responded positively to decisions on individual communications by United Nations committees, including through the payment of compensation in the cases of Gerasimov, Bayramov and Malykhin. 

    The State party had also incorporated the recommendations of the United Nations High Commissioner Volker Türk, who visited Kazakhstan in 2023, into a comprehensive action plan on human rights and the rule of law.  The action plan focused on protecting the rights of women, children, and persons with disabilities; combatting domestic violence; strengthening labour rights; and safeguarding freedom of association.

    The Government has been actively engaging with civil society on all major reforms.  One notable example of this engagement was the “Dialogue Platform for the Human Dimension” under the Ministry of Foreign Affairs.  Since 2013, more than 50 meetings had been held, and their outcomes were reflected in three human rights action plans, including recently adopted laws on combatting human trafficking, the criminalisation of domestic violence, and the fight against torture.

    Questions by Committee Experts

    A Committee Expert said the Committee welcomed Kazakhstan’s abolition of the death penalty and its ratification of the Second Optional Protocol in 2022, as well as the strengthening of the Constitutional Court in 2023 and the establishment of several mechanisms and institutions.  The Committee had, in recent years, issued a substantial number of Views concluding violations of the Covenant by the State party, but had received disturbing information that most of these had not been followed up.  Would the State party extend the mandate of the interagency working group, which was tasked with analysing these Views?  What measures had been taken to give full effect to the Committee’s recommendations?  How were members of the judiciary trained on international procedures?

    The adoption of the international treaties act enhanced the role of international treaties in the national legal order. Did the Covenant have direct effect? The Committee welcomed national plans related to human rights.  How effective had implementation of these plans been?  Domestic courts had assessed a substantial number of cases involving the Covenant.  Had these courts directly implemented the Covenant?  Was training on the Covenant for the judiciary compulsory?  How was the public educated on the Committee’s work?

    The Committee welcomed that the Human Rights Commission’s mandate had been expanded but noted that it had “B” status since 2012. Had the State worked to have it accredited with “A” status?  What were the obstacles in this regard?  How did the State party guarantee a transparent and independent procedure for appointing members of the Commission?  How did the Commissioner monitor the implementation of the Covenant?  Could the Commissioner be held accountable for inaction?  The State party had invested in the national preventive mechanism against torture, but this institution depended on the Human Rights Commission to carry out its operations and reportedly needed to announce visits to places of detention in advance.  How would the State party strengthen the mechanism?

    Another Committee Expert welcomed the significant changes to the national framework, including the establishment of the national Anti-Corruption Agency.  There were concerns about the influence of public officials over this institution. What measures were in place to ensure the independence of the Agency?  Media reportedly faced political pressure when reporting on corruption, with some having been imprisoned.  What measures were in place to protect media personnel investigating corruption?

    The law on countering extremism included a vague definition of “extremism” that allowed for arbitrary interpretation.  Would this definition be revised?  Were media personnel pressured to expose colleagues’ actions to reduce sentences against them?  Did the State party plan to remove people convicted of non-violent crimes from the list of people accused of financing terrorism?  Which objective standards were used in courts to define extremist activities?  The Committee called for statistics on persons tried for extremist crimes.

    The Committee welcomed legal safeguards against surgical sterilisation, but was concerned about uneven access to contraception and high rates of teenage pregnancy.  What steps had been taken to expand access to affordable contraceptives and family planning programmes?  The Committee was concerned by reports of forced sterilisation and abortion, particularly targeting persons with disabilities, and gender stereotypes embedded in school curricula.  What measures were in place to address these issues and develop adequate sexual and reproductive health education?

    A Committee Expert said that demonstrations in December 2011 resulted in the deaths and injuries of civilians, and reported torture and other cruel, inhuman or degrading treatment of individuals put under trial related to these protests.  Investigations into these incidents and many alleged perpetrators of human rights violations were reportedly insufficient.  What measures would the State party take to hold perpetrators to account, and provide adequate remedies to victims and their families?  How many investigations had been carried out thus far and what convictions had been handed down?

    The Committee welcomed measures taken to address the high suicide rate in detention centres, but this high rate reportedly persisted.  What further measures were planned to reduce the suicide rate and to investigate all deaths in custody?

    One Committee Expert said that the State party’s laws on discrimination did not address all forms of discrimination included in the Covenant, despite high levels of discrimination against certain groups in the State party.  Efforts to revise anti-discrimination laws seemed to have stalled.  Was there a plan to revive these?

    The Committee welcomed the State party’s efforts to promote the rights of persons with disabilities.  Would it remove discriminatory language in its laws related to persons with disabilities?

    In 2020, the Dungan community experienced ethnic violence resulting in deaths, injuries, property damage, and the displacement of thousands of community members.  Law enforcement authorities reportedly ignored these incidents, delaying investigations and prosecutions.  What progress had been made in setting up a reconciliation committee and in providing remedies to victims?

    There were credible reports of violence and discrimination targeting lesbian, gay, bisexual, transgender and intersex individuals. Why had organizations of lesbian, gay, bisexual, transgender and intersex persons been denied formal registration and the right to peaceful assembly?  The Kazakhstan Union of Parents had submitted a petition seeking to ban “propaganda” related to lesbian, gay, bisexual, transgender and intersex persons.  How had the Government responded to this petition?  Public funding had been removed from gender reassignment surgery and the minimum age for such procedures had been raised to 21.  How would the Government support persons who sought such surgery?

    Another Committee Expert welcomed that Kazakhstan’s law prohibited gender-based discrimination, but expressed concern that women accounted for only 27 per cent of the Mazhilis, and had limited representation in decision-making positions in public and private bodies.  There was a major salary gap between men and women, and the law did not ensure equal pay for equal work.  What measures had the State party taken to ensure substantive equality between men and women and to address discrimination in access to education, land and property rights?  How did the State party promote women’s representation in decision-making bodies and managerial roles?  What measures were in place to address the gender pay gap?

    The Committee welcomed that the State party had financed gender equality initiatives, but noted that the gender equality strategy had been replaced with the gender and family policy.  The 2009 law on domestic violence was limited to violence by immediate family members.  What legislative and other measures had been taken to combat violence against women and girls?  How had the State party tackled the rise in domestic violence observed during the COVID-19 pandemic?  How was it addressing issues such as forced and early marriages and ensuring a victim-centred approach to investigations and prosecutions? 

    Stigma surrounded reporting of cases of domestic and gender-based violence and police were reportedly reluctant to act on such cases. How did the State party encourage reporting of violence by victims, ensure adequate funding for victim support services, and collect data on complaints, investigations and sentences? What measures were in place to strengthen awareness raising campaigns on violence against women targeting public officials and civil society?

    Responses by the Delegation

    The delegation said the Covenant was directly applicable in Kazakhstan and took precedence over domestic legislation. Over the past eight years, over 7,000 decisions were handed down by the courts that referenced the Covenant. Training seminars on Covenant rights were held for members of the judiciary.  The Government had made good progress on the human rights action plan, having implemented around 75 action points thus far, including actions promoting gender equality and women’s representation in decision-making bodies, as well as the investigation of torture.

    The Ombudsperson’s status was enshrined in the Constitution.  It did not report to Government bodies and had immunity in carrying out its activities. Its financial independence was guaranteed and it had direct access to all Government bodies.  In 2023, the Ombudsperson representatives carried out more than 700 monitoring visits and issued over 600 recommendations, some 70 per cent of which were implemented.  An assessment of institutional capacity was carried out in 2023 by the Human Rights Commissioner towards its accreditation with “A” status by the Global Alliance of National Human Rights Institutions.

    The independent national preventive mechanism consisted of 126 members, a large percentage of whom were representatives of non-governmental organizations.  They were elected through a transparent process by the coordination council.  The Ombudsperson was working on improving the professional knowledge of the mechanism’s members.  Its annual budget was spent exclusively on its needs.  It had unlimited access to all detention centres in the country and did not need prior permission to conduct visits.

    The Anti-Corruption Agency was independent. It had held several high-level officials accountable for corruption and had seized several millions of dollars in assets from those officials, investing those assets directly in Government programmes such as school construction projects.  The Agency provided free consultations with citizens periodically and worked with citizen volunteers who monitored corruption.

    The State ensured the safety of journalists who investigated corruption, providing all assistance necessary to those journalists. Journalists had broad rights to receive answers to their questions from public officials and to attend public events.

    The concepts of “extremism” and “terrorism” defined in national legislation and the Constitution were in line with those of international law.  The State party welcomed the Committee’s recommendations for improving these laws. All inclusions in the list of organizations linked to terrorism financing were based on the sentences of judges.  Around 1,000 persons had been removed from the list after review, including persons already serving sentences under the Criminal Code and persons found to have given up extremist views.

    Kazakhstan’s Health Code guaranteed the right to reproductive healthcare.  Women had the right not to be subjected to forced abortions or sterilisation and had access to all sexual and reproductive health services.  Gynaecologists determined whether terminations of pregnancy were necessary.  Minors could seek terminations with the written permission of their parents. Family planning and contraception services were provided by the State.  Medical, out-patient and in-patient services had been established in rural areas – 308 medical facilities had been built last year. Events were held that promoted reproductive health and aimed to prevent the spread of sexually transmitted diseases and unwanted pregnancies.  Increased access to maternal health services had led to a reduction in maternal mortality and the number of abortions.

    The Prosecutor’s Office had conducted investigations into the events of December 2011, as had monitoring bodies from the United Nations.  The Government had allowed representatives of non-governmental organizations and the media to attend trials related to these events.  Some 1,100 witness testimonies were conducted as part of investigations, which led to the sentencing of 13 officials.  All persons who had been arrested were now released. Investigations found that there was no evidence of torture and other cruel, inhuman or degrading treatment of arrested persons by public officials.  One official had been charged with granting officers permission to use lethal firearms, which led to the death of 12 persons.  These victims’ families had been granted damages by the courts.

    Discrimination was not allowed on grounds of sex, ethnicity, race, status, property or religion, among other characteristics. The State party had created a committee promoting inter-ethnic harmony, which had developed guidelines on access to legal remedies for victims of discrimination and recommendations for improving legislation on discrimination. 

    All citizens were equal before the law and no person could be subject to discrimination based on sexual orientation and gender identity.  Members of the lesbian, gay, bisexual, transgender and intersex community had access to all fundamental rights.  The State party had agreed to conduct research on the impact of propaganda related to lesbian, gay, bisexual, transgender and intersex persons in response to the petition it had received.  Sex changes were regulated by domestic law; persons aged 21 or over with legal capacity had the right to change their sex.

    Some 87 persons had been convicted for having taking part in mass unrest in 2020 affecting the Dungan community, damaging property and obstructing the actions of the police.  All victims had had their property restored.

    The law on persons with disabilities granted persons with category two disabilities priority access to public housing. National standards were in place that supported access to infrastructure and services for persons with disabilities. The accessibility level of buildings was mapped by the State party, and more than 124,000 buildings had been adapted to promote accessibility.

    In April 2024, a law was adopted that aimed to protect women and girls from violence.  There was criminal liability for battery and bodily harm.  Police were obliged to investigate all suspected cases of domestic violence, even when there was no report.  The punishment for sexual violence had been increased to up to life imprisonment.  Forced marriage was punished with up to 10 years imprisonment.  Measures were in place to ensure that victims could file complaints.  The Government funded a specific unit on combatting domestic violence and provided training to officials on responding to domestic violence.  Courts issued restraining orders and instructions relating to behaviour in domestic violence cases as required.  Mobile units responded in a timely manner to reports of violence; they had worked with more than 100,000 families.

    The share of women in local assemblies was 22.7 per cent. There were three women ministers and eight women vice-ministers, and the Chief Justice of the Constitutional Court was a woman.  Some 53 per cent of judges were women.  The State party was working actively to ensure that the quota of 30 per cent female candidates was respected.

    The ideology of the gender equality strategy had not changed.  The State party was working with United Nations agencies to promote gender-sensitive budgeting and establish bodies within ministries with gender-related mandates.

    Around 15 per cent of senior public officials were women. Since 2018, some 7,000 women had served in military operations and 15 Kazakh women had served in United Nations peacekeeping roles.  Equal pay for equal work for men and women was enshrined in the Constitution. Discrimination on any grounds was not allowed.  The Labour Code prohibited discrimination on the grounds of gender.  Women who felt they had been discriminated against could turn to the courts to seek remedies.

    Follow-Up Questions by Committee Experts

    A Committee Expert welcomed that the procedure for follow-up on Views had led to legal changes and the payment of compensation to victims.  The Expert also welcomed efforts made by the State party to inform the public about the Committee’s work.  Another Committee Expert welcomed measures promoting access to registration for civil society organizations.  One Committee Expert commended the participation of 15 Kazakh women in United Nations peacekeeping operations, and the increasing number of women in the Ministry of Foreign Affairs.

    CHANGROK SOH, Committee Chairperson, said he was impressed by the abolition of the death penalty and progress in improving the representation of women, but noted that there were still issues that needed to be addressed.

    Committee Experts asked follow-up questions on how the State party promoted the independence of the Ombudsperson, despite the President’s role in appointing its members; investigations into individual cases of killings and claims of torture occurring during December 2011 protests and reparations provided to victims’ families, and whether an official public apology had been issued for these human rights violations; whether the State party would formally recognise the right of lesbian, gay, bisexual, transgender and intersex persons to protection from discrimination; details on planned revisions to discrimination legislation; the status of research into propaganda related to lesbian, gay, bisexual, transgender and intersex persons; whether a law on gender-based harassment would be promulgated soon; and resistance to laws on violence against women from conservative segments of society.

    Responses by the Delegation

    The delegation said the national preventive mechanism carried out more than 500 monitoring visits per year.  It had issued more than 16,000 recommendations to institutions as of 2020, of which 44 per cent had been implemented.

    An investigation was carried out into events related to December 2011 protests.  There was no evidence of the acts of torture that were alleged, preventing judicial investigation of those allegations.  The investigations into the murder of 12 individuals and the injury of six determined that arms were used with unlawful intent, inflicting grievous bodily harm, but not necessarily murder.  One official had refused to provide medical care to an injured person and was sentenced to five years imprisonment.

    Issues related to discrimination legislation and the petition on propaganda related to lesbian, gay, bisexual, transgender and intersex persons would be considered once research into these issues was completed. Civil society was invited to join discussions related to the petition and other Government measures.

    National legislation allowed for liability for various forms of harassment.  Last year, changes were brought to the Criminal Code banning sexual activity with minors under age 16.  The Government was assessing the effectiveness of current legislation on gender-based violence, which would be revised in 2027.

    The 2022 constitutional law on the Human Rights Commissioner expanded the powers of the Ombudsperson and the mandate of the Human Rights Commissioner.  The findings of the visits of the national preventive mechanism were published in its annual report.  As a result of its findings, disciplinary actions had been taken against over 440 officials.  In addition to the national preventive mechanism, members of Parliament, judges, prosecutors and the Commissioner for the Rights of the Child could also visit places of detention without prior authorisation. 

    The Ombudsperson could participate in discussions on national reports for human rights treaty bodies.  They had not exercised their right to appeal to the Constitutional Court, as they had been able to address all complaints they had received through other legal recourses.  This did not indicate a refusal to exercise this authority.

    The Labour Code prohibited discrimination against women and regulated workers’ rights to respect and dignity. Employers were obliged to ensure safe and healthy working conditions.  Workers could submit complaints of workplace harassment to the Workplace Ethics Committee or to the police.

    There were 170 suicides in prisons between 2017 and 2024.  For each case, an investigation was carried out to determine the causes, and around 150 officials had been sanctioned for not fulfilling their care duties. Training was provided to prison guards on identifying at-risk inmates and preventing suicides, and to prisoners on promoting self-confidence and preparing for release.  Several additional measures had been implemented in prisons to prevent suicides.

    Questions by Committee Experts

    A Committee Expert said the State party did not have a specific law on the use of force and firearms by officials.  Did it plan to enact such a law that was in line with international standards?  There were allegations of excessive use of force during January 2022 protests, which had led to the death of several peaceful protesters.  Did the State party plan to conduct thorough, independent investigations into these allegations, hold perpetrators to account, and provide adequate remedies for victims?  The mass detention of protesters reportedly led to disappearances, and detainees had been denied access to lawyers and medical care.  What further steps would the State party take to ensure that all detainees were informed of their rights, provided access to a lawyer and medical treatment, and to investigate all allegations of mistreatment of detainees and hold those responsible accountable?

    Peaceful assemblies held without advanced authorisation were typically dispersed by authorities, with demonstrators arrested. How would the State party bring its administrative detention practices in line with international standards? Courts had a high rate of extending pre-trial detention.  How did the State party ensure that pre-trial detention was used only as a last resort, and in line with international standards?

    Another Committee Expert said that the State party had not sufficiently responded to the Committee’s previous recommendation to align legal definitions of torture with those of the Convention against Torture. Despite the high number of torture cases, few effective punishments were imposed on perpetrators, and some persons who reported torture were punished for the crime of reporting false information. What steps had been taken to bring the definition of torture in the Criminal Code in line with international standards and ensure timely investigations?  How many complaints of torture had been filed, legal proceedings launched, and officials punished?

    Kazakhstan had not amended legislation allowing the Prosecutor General to shut down websites without court approval. Provisions designed to protect children from cyberbullying were reportedly misused to censor and restrict information, as were internet blackouts.  Could the delegation comment on these issues?  Laws adopted in 2023 and 2024 expanded State control over free speech, resulting in politically motivated trials against journalists and political opposition figures.  What steps had been taken to fully decriminalise defamation?  Could the State party provide statistics on detentions of journalists and human rights defenders?  What had the working group on the protection of human rights defenders achieved?

    A Committee Expert commended steps to transfer prison health services from the Ministry of Internal Affairs to the Ministry of Health.  How was the State party supporting drug-dependent inmates and working to ensure the availability of sufficient medical equipment in prisons?  Were medical staff trained in detecting torture? Military schools were excluded from the mandate of the national preventive mechanism.  Did the State party intend to address this?

    The Committee was concerned that the right to conscientious objection to military services was not defined in law.  Were there plans to define this in law and establish an alternative to military service?  What steps had been taken to revise religious law to ensure full compliance with the Covenant?  The Committee was concerned by reports that some individuals had been imprisoned for engaging in non-violent religious expression.  How did the State party ensure that persons were not detained solely for expressing religious beliefs?

    What steps had been taken to remove complex registration requirements for non-governmental organizations and trade unions, and to prevent excessive State control of the activities of those organizations?

    Minorities continued to face discrimination and limited access to decision-making positions.  What was the legal and administrative framework covering political parties?  What steps had been taken to promote the effective participation of members of the Roma community in political life?

    One Committee Expert commended the State party for the 2024 law on combatting trafficking in persons and the amendment to article 128 of the Criminal Code.  How did the State party ensure the effective implementation of these reforms? There were reports of a lack of training for labour inspectors on trafficking.  How were inspectors trained to detect trafficking?  How did the State party ensure that the cases of all potential trafficking victims were assessed before deportation, and that all migrant children were properly registered and documented?  The Committee welcomed efforts to enhance trafficking penalties, but was concerned that trafficking offences were often not appropriately classified, leading to lower penalties.  Would this be addressed?

    There was no de facto procedure for processing asylum applications and authorities were reportedly reluctant to grant asylum to persons of Russian or Uzbek nationality.  Reportedly, migrants had been detained without being given access to legal representation.  Was the State party addressing these issues?  How did it ensure protection against refoulement?  Individuals were required to renounce their citizenship to apply for Kazakh nationality.  Would the State revise this law to prevent the risk of statelessness?

    What State services were provided to victims of domestic violence, including children?  Could children obtain these services independently of their parents? The Committee was concerned that the State party had not prohibited all forms of corporal punishment.  Would this be done?  Could children file complaints of mistreatment with the Human Rights Commissioner?  Workers at an orphanage had been caught on video beating children.  How was the State party working to prevent such abuse and promoting the foster family system?  Children born outside of medical institutions to undocumented parents did not receive birth certificates.  Would the State party address this issue?

    Another Committee Expert asked how the State party guaranteed the independence of Supreme Court judge candidates, who were nominated by the President, and of lawyers?  There were reports of corruption throughout the judicial system. How was the State fighting this? Had any judicial officials been found guilty of corruption?  Attorneys were not automatically appointed to suspects, and did not always get access to all case files.  How would this be addressed?  How were suspects made aware of their rights?  How did the State party prevent cases being unduly declared “secret”?  What percentage of court cases were now solely held online?  How did the State ensure proper proceedings in online cases?

    To what extent were spontaneous assemblies possible in Kazakhstan?  How did the State party ensure that notification procedures did not create delays or restrictions preventing assemblies?  Could people appeal restrictions on assemblies?  Foreigners were prohibited from participating in assemblies.  How did the State party ensure that foreigners’ assembly rights were respected?

    Responses by the Delegation

    The delegation said that in cases of mass violence, the State had the authority to use force to ensure public security.  The 2022 incident was a mass uprising that led to numerous injuries to law enforcement officials.  Investigations had been initiated into the incident, with nine officials sentenced for the excessive use of arms.  Changing the law on the excessive use of force was unnecessary, as the law functioned effectively.  All persons affected by violence related to this incident were provided with appropriate medical assistance, including detainees. Monitoring visits had led to the release of around 400 people who were arbitrarily detained.  There were 29 minors who had been detained after carrying out serious offences; they had since been released.

    There were 1,500 peaceful assemblies organised legally between 2017 and 2024.  Some 400 planned demonstrations had been cancelled because authorities had responded to complaints before the demonstration was held.  Some 1,000 demonstrations held during the reporting period were deemed unlawful as protesters had failed to respect notification deadlines or to correctly submit notification documents.  The State party continued to inform the public about notification procedures; this had led to a two-fold decrease in the number of illegal assemblies between 2022 and 2024.  Organisers of such assemblies were brought to court only in exceptional circumstances; in most cases, they were issued fines or warnings.  Law enforcement bodies needed to provide alternative proposals if the location for a planned demonstration was already being used by another event.

    As of 2019, exemption from liability for torture was not possible in Kazakhstan, nor were suspended sentences for perpetrators of torture.  There were 40,000 video cameras placed in detention centres to prevent torture. There had been a downward trend in the number of torture cases reported, from around 800 in 2019 to around 100 in 2024. More than 200 officials had been convicted of torture offences, and no officials found guilty of torture had received amnesties.  Housing and compensation payments were provided to the families of victims of torture. The State party intended to increase the amount of compensation provided to victims of torture ten-fold.

    This year, around 1,000 warning letters were issued to website operators calling for illegal content to be removed.  If it was removed, the site was not blocked. Internet services could only be suspended in emergency situations and when there was an extreme threat to public safety, such as during the January 2022 events.  The 2023 law on online platforms was based on the European Union’s digital services act.  It was geared toward the liberalisation of the online sphere.

    Defamation had been downgraded to an administrative offence.  There had been a downward trend in the number of cases of defamation in recent years. In 2024, only four cases of spreading misinformation were registered.  Journalists and activists were not prosecuted for defaming public officials.  Persons could not be charged for defaming public or private institutions.

    All persons who entered prisons were provided with a medical assessment.  Detainees requiring specialised assistance were brought to outpatient clinics, and they were isolated when they showed symptoms of contagious diseases.  Legal amendments were made to allow detainees with serious diseases to serve their sentences in appropriate facilities or to have their sentences commuted.

    Over the past few years, there had been an increase in religious practitioners and missionaries, and a decrease in the number of people fined for religious activities.  In the first quarter of this year, only 46 people had been fined. Kazakhstan recognised the right to practice and disseminate religion.  Only persons who practiced religion for financial or extremist purposes were sanctioned.  Legislation on religion was in line with the Covenant.  Members of religious institutions could be released from the obligation to carry out military service.

    Kazakhstan was a multi-ethnic State.  It had a special quota for members of the Senate who were representatives of different ethnic groups.  There were no limitations on the political participation of ethnic groups.

    The national preventive mechanism operated under the Ombudsperson, but maintained operational independence.  Work was underway to expand the national preventive mechanism’s mandate to include facilities under the aegis of the Ministry of Defence.  A draft law on the national preventive mechanism was currently under discussion with State authorities.

    In 2023, the State adopted a law reducing the number of members needed to form a public association to three.  There were no restrictions on organizations receiving foreign funding.  To date, 543 trade unions had been registered.  Political parties’ activities could be restricted when they threatened public order, but such restrictions were temporary.  Liquidation of political parties could only be forced by a court order.

    A law on combatting trafficking in persons was introduced in 2024, which aimed to bring the State’s mechanisms for combatting trafficking in line with international standards, and to increase identification and support for victims.  New offences had been established linked to trafficking, including related to procuring a minor for prostitution and online trafficking. Some 170 labour inspections had been held thus far this year.  These had led to the identification of trafficking victims and the disbanding of organised crime groups, the members of which were held criminally liable. Over 190 victims had been identified and punishments of up to 20 years imprisonment were issued to perpetrators.

    Legislation on refugees and asylum seekers was in line with international law.  Kazakhstan abided by the principle of non-refoulement.  Refugees had the right to seek medical assistance and education, and could apply for permanent or temporary residence in the State. Kazakhstan did not permit the extradition of individuals whose asylum requests were under consideration. Individuals had the right to appeal extradition requests to the Supreme Court.  Kazakhstan was a party to the Shanghai Convention on Combatting Terrorism, Separatism and Extremism, which included provisions specifying that signatories needed to respect international norms related to non-refoulement.

    Only citizens could participate in demonstrations in Kazakhstan; foreigners and stateless persons could not.  However, they could pursue other means to lodge complaints with the State.  Police did not monitor whether demonstrators were foreigners or not.

    The Judicial Office provided free legal assistance to persons involved in court cases.  Many court cases took place online.  Artificial intelligence helped judges to automate routine cases, allowing for the analysis of millions of cases and for the maintenance of judicial standards.  Court materials were provided in accessible formats.

    The State party had revised the judiciary’s financing model, allowing the judicial administrative body to set the budget. This had led to a large increase in the judicial budget.  There were sanctions imposed for judges who engaged in corrupt practices.  Cases of corruption were assessed by a judicial panel.

    Follow-Up Questions by Committee Experts

    Committee Experts asked follow-up questions on criteria used to determine whether to send warning letters to citizens regarding online content; alternatives to residential care facilities being developed; plans to prohibit corporal punishment; whether spontaneous protests were possible; whether persons who did not respect notification laws were restricted from filing future notifications; how the judiciary ensured that artificial intelligence was used in a safe manner that protected citizens’ rights; whether the Government intended to abolish the registry of organizations with foreign funding sources; and planned reforms to the registration process for non-governmental organizations.

    Responses by the Delegation

    The delegation said there was a specialised structure that monitored the information space and detected violations of Kazakh law.  When violations were detected, warning letters were sent to offending parties, often through social network operators, that explained why the content was illegal and needed to be removed.

    The State paid particular attention to the rights of children.  New legislation discouraged corporal punishment.  The number of beatings of children recorded by the State had been falling year-on-year; last year, there were only 250 cases.  Thorough investigations were carried out into complaints of corporal punishment in residential homes.  Video surveillance tools were installed in schools and kindergartens.  There was a hotline for reporting violence and providing consultations to children.

    There was no plan to amend the registry of organizations funded by foreign sources, which was developed in line with international principles.  The State party did not plan to develop a bill on foreign agents.

    All judicial services that used artificial intelligence had been assessed in terms of their implications on security.  They were implemented by the judiciary independently.  The State party had implemented use of electronic monitoring bracelets in around 1,000 cases as an alternative to pre-trial detention.

    Closing Remarks

    BOTAGOZ ZHAXELEKOVA, Vice-Minister of Justice of Kazakhstan and head of the delegation, expressed gratitude to the Committee for the constructive dialogue, and to all those who had facilitated the dialogue.  The State party welcomed the 22 alternative reports submitted by Kazakh civil society organizations, which it had reviewed carefully.  The Committee’s recommendations would be considered by the State and incorporated into future human rights action plans.  The State party thanked the Committee for its contributions to human rights in Kazakhstan and around the world.

    CHANGROK SOH, Committee Chairperson, expressed sincere gratitude to all those who contributed to the constructive dialogue. The delegation had engaged actively in the dialogue, which had addressed judicial independence, the prohibition of torture, the right to peaceful assembly, and the rights of vulnerable groups, among other topics.  The Committee expressed particular concern regarding the lack of accountability for the January 2022 events and restrictions on civil society and freedom of assembly.  It hoped that the dialogue would translate into increased protection of civil and political rights in Kazakhstan.

    ___________

    Produced by the United Nations Information Service in Geneva for use of the media; 
    not an official record. English and French versions of our releases are different as they are the product of two separate coverage teams that work independently.

     

     

    CCPR25.010E

    MIL OSI United Nations News –

    June 26, 2025
  • MIL-OSI New Zealand: Introducing our Regulatory Licensing Review Panel

    Source: Maritime New Zealand

    Earlier this month we launched the Regulatory Licensing Review Panel to support the effective delivery of our regulatory licensing function, and to provide applicants with an accessible process for resolving specific disputes.

    As you’re probably aware, a number of the maritime rules, regulations and conventions we administer are complex in relation to regulatory licensing. The Panel will review specific disputed decisions when it can be demonstrated that an alternative interpretation or application of a rule, regulation or convention may lead to a different decision, without compromising safety. 

    The Panel is made up of senior leaders and experienced Maritime NZ staff who apply a risk-based approach focussed on preventing harm.

    During its establishment, the Panel reviewed two applications – one was a disputed decision from an applicant and the other was an active application with Maritime NZ’s Regulatory Licensing Team, which can also access the panel for particularly complex applications. These pilot reviews provided us with useful insights to develop, test and refine our processes.

    The Panel is now accepting applications from the sector directly. 

    How to access the Panel  

    Applicants can apply for a review of a decision using the new online application form.

    To apply:

    • The decision made on your original application would have been based on Maritime NZ’s interpretation or application of a rule, regulation, or convention that could have been interpreted or applied differently.
    • The request for a review is being made within three months of the decision date (unless an exception is requested and accepted).

    There is no cost for a review.

    For more information, including the Panel’s terms of reference, please visit this webpage.

    MIL OSI New Zealand News –

    June 26, 2025
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