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oUR Exposure

The goal for all first-time student is to take the initial steps from the development world toward becoming a closer. For most student professionals, developing yourself into a closer is a journey


Financial markets in the United States are the largest and most liquid in the world. In 2018, finance and insurance represented 7.4 percent (or $1.5 trillion) of U.S. gross domestic product. Leadership in this large, high-growth sector translates into substantial economic activity and direct and indirect job creation in the United States.

Financial services and products help facilitate and finance the export of U.S. manufactured goods and agricultural products. In 2017, the United States exported $114.5 billion in financial services and insurance and had a $40.8 billion surplus in financial services and insurance trade (excluding re-insurance, the financial services and insurance sectors had a surplus of $69.6 billion).

The financial services and insurance sectors employed more than 6.3 million people at the end of 2018.  Investment in the U.S. financial services industry offers significant advantages for financial firms. As of 2018, at least 28 financial services companies out of all companies in Fortune’s Global 500 listing have chosen to locate their headquarters in the United States to take advantage of its creative, competitive, and comprehensive financial services sector. The industry offers the greatest array of financial instruments and products to allow consumers to manage risk, create wealth, and meet financial needs.


Dynamic disruptions and evolving digital technologies addressed with Stark America’s strong expertise in banking and technology

Disruptions in the business landscape and the impact of technology are compelling banks to shift to innovative business models, while delivering superior experience with agility. Stark America has created robust capabilities through investments in emerging technology products. Our team of consultants enable banks in shaping the future in payments, digital channels, credit services, digital core, and commercial and corporate banking.


A US perspective on health care trends

For health plans, hospitals, and health systems, 2020 will likely be the year of the consumer…or at a minimum, the year of greater consumer influence. While Congress and the administration have been pushing for more interoperability and greater price transparency for drugs and for hospital costs, these changes are actually being pushed by, or at least inspired by, consumers.

The Deloitte Center for Health Solutions recently interviewed health plan and health system CEOs to determine which factors they thought would have the most significant impact on the health sector. There is a recognition among sector leaders that they need to navigate a changing landscape that has new rules and more and different competitors. In response, many of them said they are trying to determine how to improve convenience and access, reduce costs, and transition to more of a digital and actively engaged consumer experience. But the consumer isn’t the only factor that CEOs expect will have an influence on health plans, hospitals, and health systems in 2020 and beyond.

Here are five more:

  1. Value-based payment models
  2. The transition from inpatient to outpatient
  3. Consolidation and integration
  4. Non-traditional players
  5. Interoperability


The United States has well-established distribution channels for all types of retail companies. The retail services industry provides an openly competitive environment that fosters strong business operations and spurs innovations that increase efficiency and reliability. The retail sector continues to grow. Total retail sales (including motor vehicle and parts sealers) from 1 million retail establishments in the United States surpassed $5 trillion in 2017. The U.S. retail industry directly employs about 29 million people and supports more than 42 million jobs.

The National Retail Federation estimates that in 2017 retail sales increased by 3.9 percent, and e-commerce sales increased 13 percent in the same period. (The data provided by the National Retail Federation excludes automobile, gasoline, and restaurant sales). Numerous opportunities for growth exist in the U.S. retail market for retail providers of all sizes, including individual direct marketers or direct sellers, small- to medium-sized franchise unit owners, and large “big-box” store operators. In 2017, FDI in the U.S. retail industry reached $88.6 billion.


The service sector is difficult to define and to encompass. There are a number of ways to identify the sector, its divisions, its industries, and the types of jobs within them. The general category of the service division includes a wide variety of industries, but can be categorized into primarily consumer-oriented (providing a service directly

to a consumer), primarily business-oriented (providing a service directly to another business) or mixed (providing services to both businesses and individual consumers).

Alternately, the services division activities can be described by their economic activities as physical, intellectual, aesthetic, and other experiential activities. Physical activities involve working with objects; examples include repairing cars, landscaping, cutting hair, or preparing a meal. Intellectual activities involve providing education or training, such as at a university or trade school. The aesthetic activities entail providing consumers with artistic or visual experiences; museums, theater performances, art shows, and musical performances are examples. Finally, other experiential activities involve providing customers with recreation, such as in amusement and theme parks, zoos, or campgrounds.