Podcasts about Aite

Na rudaí beaga neafaiseacha a thugann ardú croí do Shéaghan Ó Súilleabháin agus Oisín Ó Cíobháin

Gormfhlaith Ní Thuairisg agus Dónall Mac Ruairí....cad iad na rudaí beaga aite a thugann ardú croí dóibh seo?!

First up, a massive celebrity engagement has taken a bizarrely fated turn after fans discovered a hidden connection between Harry Styles, Zoe Kravitz and a beloved book franchise. Plus, we're dissecting the first grainy on-set photos from a highly anticipated movie sequel - including a certain "upgraded" diamond ring that has the internet comparing old flames .Plus, we have a very serious theory about a sky-blue dress and a horseshoe necklace. We’re unpacking why a certain countdown appeared and vanished on a major artist's website, and whether she is about to pivot into the world of animated sequels to finally secure her "EGOT" status.And finally, the real-life inspiration behind one of cinema's most iconic "assistant" roles has finally stepped out of the shadows after twenty years. We get into her "savage" rebuttal to the woman who wrote the book and her mortifying encounter at a mutual friend’s house with the A-list actress who played her on screen. Read the Vogue interview with the real life Emily from Devil Wears Prada here. Love binge-watching TV? The Spill has launched a new podcast called Watch Party where we deep dive into the shows everyone’s talking about. Follow the feed on Apple or Spotify now. Plus remember The Spill drops the tea twice a day in this feed so follow us for all the latest entertainment news… OR you can WATCH our show in full length video on the Apple Podcast app - make sure your phone is up to date and enjoy the watch! Link here. THE END BITS Find and follow us on socials: Instagram: https://www.instagram.com/thespillpodcast/ TikTok: https://www.tiktok.com/@thespillpod Facebook: https://www.facebook.com/thespillpodcast/ Read all the latest entertainment news on Mamamia: https://mamamia.com.au/entertainment/ Support Independent Women’s Media: https://www.mamamia.com.au/subscribe/ Your subscription helps us continue to tell the stories that matter to women. Want to join the conversation? Have feedback or a topic you want us to discuss? Send us a voice message or email us at thespill@mamamia.com.au and we’ll get back to you ASAP! Executive Producer: Monisha Iswaran Audio & Video Producer: Michael Kean Mamamia acknowledges the traditional owners of the land on which we have recorded this podcast. From Mum and Me Out.00:02Speaker 2 Welcome to the Spill your daily pop culture fix. I'm Laura Brednick and I'm Tina Burke and coming up on the show today, Look, Taylor slipped us up to some antics. There's secret coded messages in her outfits, there's potential secret songs, there's a countdown.00:15Speaker 1 I'm gonna be so honest.00:16Speaker 2 I'm gonna let you, Tina Burke, explain that because that is wait, you're crazy, Taylor, so fandom that's your business. Plus something I have been obsessed with for the last few days. I know we both have, but we need to talk about it. The real life Emily from The Devil Wears Prada has come forward after all these years, and she's given some really interesting insights about the author of the book, Anna wind Tour Emily Blunt. We're getting get into the biggest takeaways from that, but first you have some other things to discuss.00:43Speaker 3 I have some things that have come across my desk this morning. One of them is very short and I just need to touch on it really quickly, Will And it is that. Obviously, last week we discussed Zoe Kravitz and Harry Styles engaged. According to people magazine. Do you know what their middle names are? Her middle name is Isabelle, Isabella Isabelle.01:00Speaker 1 Last, what his is? No, it's Edward. Oh they are Edward and Bella. Oh my god, this has blown up.01:08Speaker 2 You might be the only person who. Oh no, it has blown up on socials this morning.01:12Speaker 3 It's come across the internet because they are Bella and Edward from Twilight, which means they are now faded to be together forever. I was skeptical before. I was like, they're not gonna last. It's not gonna happen. And now I'm like, no, they're Bella and Edward, so like it's gonna happen. By Stephanie Wheer, Oh my god, I love some little nerd put that together. I love nerds.01:28Speaker 1 And they together.01:29Speaker 2 For nine months, we've had this information for nine months and only now have people picked it up.01:32Speaker 3 Someone sat on it until now, And maybe they'll have a little renett me of their own, just something to think about, something a bit.01:37Speaker 1 More serious, do you think of it?01:39Speaker 2 Well, I'm sure they'll be thrilled that people have figured out they're supposed to be together because they're middle names.01:43Speaker 1 Yes, no other reason.01:46Speaker 2 Yeah, something more serious that isn't more serious, No, but with just my lurkings on social media is the Summer I Turn Pretty has officially.01:55Speaker 3 Been done filming the movie, which is very exciting. It's been really like under wrapped of what exactly the plot was going to be. I mean, we pretty much assume and everyone has reported that it's going to be about like Belly and Conrad finally getting married, but we didn't finally.02:10Speaker 2 Everyone's like, well, when will those crazy kids get married?02:13Speaker 3 Honestly like sitting on the shelf at this point. But I do think they're going to be about twenty five. But the first onset photos came out over the weekend. They've gotten back to set and while they were incredibly grainy and blurry and they were kind of like pat photos or fan photos taken on phones, they're all out on a boat on the lake.02:29Speaker 1 It's very the summer return pretty.02:31Speaker 3 Yes, what you can see is that Belly has a big diamond ring on her left ring finger.02:37Speaker 2 Okay, people have not handled these photos well in a mature way. Everyone has been pretty nasty, pretty crazy because the ring, as we all remember, if you can even call her that, that was given to Belly by Jeremiah in the show was so small that you literally couldn't see it. Even when she held it up in front of your face, you could not see it. We put it on socials and we had to.02:58Speaker 3 Draw a circle around it, the tiny little diamond.03:01Speaker 2 From that point, poor Jenny Hahn, the writer of the books and creator of the TV series and showrunner and all these things, This talented, creative, brilliant woman then gave up her precious time to go on oppressed tour to do interviews so that fans could ask her questions about the show. And all that woman got asked was what was that tiny ring? Was that meant to be a joke? And that poor woman had to answer over and over again. No, it wasn't meant to be a joke. We just thought, like, he doesn't have any money, so of course you'd have a small ring. It's just the way that belly held it up so defiantly to show the family and then you couldn't see it, and you couldn't see it at all. Became such a running joke.03:36Speaker 3 Yes, and so even from a great distance on a boat in the middle of the high seas, you can see the ring that we can assume Conrad has given to her. So it's a Peconkin diamond, and I'm very excited about that because she does deserve it. And this is why you date the handsome doctor and not like the weird other brother. There were lots of reasons, but I do think this is one of them. The other big thing that has come out based on these photos is that Jeremiah our like sad single other.04:01Speaker 1 Hey.04:01Speaker 2 Hey, some of us were kind of quietly team Joremiah nick word team Jeremiah, and I don't understand why, but that's your business. He has his arm wrapped around a mystery blonde woman, so that, oh god, it's not that woman from who was that girl?04:13Speaker 1 I kind of friend.04:14Speaker 3 Yeah, So the whole season three subplot of him falling for the roommate and the roommate being a weird hater of Conrad that never.04:21Speaker 1 Sat well, Yeah, that just felt right. That was for nothing.04:23Speaker 3 It felt rushed, and it was for nothing because now he's on a boat with a woman who looks a little bit too much like his mother and he's got his arm around her and they look to be a couple. So wow, something to think about there, But we don't really know too much about what the film is about, but we do know that Jenny Hahn is directing. So she directed one of the episodes of the season three, which was episode five. Laura, I don't know how much you remember the summer I Turned pretty, but episode five was the one from Conrad's pov Oh the Apple.04:48Speaker 1 We hate the Apple, and he is in the white T shirt. Yeah, that song played wild Horses beautiful.04:52Speaker 3 VI.04:52Speaker 2 Wow, I just like, I feel like I just lost you for a second, just went off and I just got into.04:55Speaker 3 My Conrad's little like mind bubble. But she's going to direct the film, so she said, taking inspiration from Nora Efron. Oh great, so great person to take your inspiration from. You do have to wonder what like the traditional third actension is going to because I think the whole show was third actension and we don't need to see a mini breakup again. But I don't know, maybe Steven and the other one can have some drama.05:17Speaker 1 Yeah, I mean that's the thing. Isn't it to be able to make a movie like that.05:20Speaker 2 Yes, yes, you've got the wedding as the plot, but there's going to have to be some moment where you think they're not going to get married some sort of drama.05:26Speaker 1 You can't just have a wedding.05:27Speaker 3 No, But like at this point, it's been drama non stop for years.05:30Speaker 1 You go tired to Paris.05:31Speaker 3 She's like, actually, I'm going back to Paris, thank you so much. I'm leaving you again. That would be so boring. We can't do that.05:36Speaker 1 Do we know when this is coming out? Like, at least not until next.05:39Speaker 2 Year twenty twenty seven, twenty twenty seven to be coming out. Yeah, I mean, I guess people will still be interesting, Like I know people still be interested, But I was worried when the show ended and they announced the movie was happening, and the momentum was so huge, and in my head, I was like, oh, I wonder if they've started shooting so that this can come out at least a year after the last episode has aired, and now it's going to.05:59Speaker 1 Be well over year.06:01Speaker 3 Yues.06:01Speaker 2 People still care because there was such a fandom around that show.06:04Speaker 1 But do we think it all? Do we think the momentums lost a little bit?06:07Speaker 3 I think so, And as well, there were reports like the other week about the fact that maybe the cast had only signed on to do the movie in order to get pay bumps for season three when they were renegotiating, and Deadline kind of reported saw stuff the cast themselves didn't come out and say this, but that the cast might have felt like they were a little bit taken hostage in having to agree to the movie so that they could get a pay.06:28Speaker 1 Rise for three.06:29Speaker 3 So there's also like that little underlying tension as well that I think some fans aren't happy with. And yeah, it's a long wait for a movie that realistically like I don't know what's like, how much could possibly happen.06:39Speaker 2 Yeah, we love Jenny harm but yeah, we love Jenny Harm. Well, hopefully there's a big plot twist in there. But that's the thing about having these continuing stories is like you do have to kind of break something or change something in order to make it worth the stakes.06:51Speaker 1 Yeah, but I'm sure to be fine.06:52Speaker 2 And also at least that they were all out of like high school and through college, they have to worry about it. They don't have to worry about them aging out of their roles. Yeah, we've got a good fifteen year years before that happens. So no, I think it'd be fun.07:02Speaker 1 Yeah, So, as.07:04Speaker 3 Discussed my favorite topic in the world. Taylor Ellison Swift has come up twice, actually more than even twice, several times in the past week, but on two very significant occasions. We have been talking about Taylor Swift and I have been talking your ear off, and I'm sure you loved every second of it.07:18Speaker 1 Right, No, I always.07:19Speaker 2 Find that you have an interesting angle on Taylor Swift because you're like really in the weeds with not just the fan theories, but kind of like the industry chat as well.07:27Speaker 1 So I find that very interesting. I thank you for play kating a lot of people who care about stuff I can't really relate.07:32Speaker 3 Yeah, and I care about everything weigh too much. But one of the things that came up last week, which some of the spillers may have seen, I know a lot of people were texting me going, what the hell is happening right now?07:44Speaker 2 People text you if something happens to tell you Swift, They're like, what's going on? Why is this a thing?07:48Speaker 1 And to be fair, you know the answer, and I do know the answer.07:50Speaker 3 So Taylor Swift. On Friday last week, a mysterious countdown appeared on her website for the briefest of moments and obviously, if you know anything about Taylor Swift, she loves like an Easter egg, she loves a big reveal, and she often does these countdowns on her website. So before the Life of a Showgirl album came out, whole website changed colors, big countdown pops up. This time, her website briefly changed to a sky blue background with like white cartoon clouds, and a countdown appeared in like this also cartoonish kind of font and then disappeared, and the Swifties very quickly put together that it looked like Toy Story Wow, okay, and Toy Story five is coming out soon.08:31Speaker 1 No, I'm aware, Oh good, I'm aware. I'm up on the plots, I'm up on everything.08:35Speaker 3 No, everything, and Toy Story five is coming out soon. But the thing is, people suddenly realized, holy shit, has a Taylor Swift been dropping Toy Story five clues?08:45Speaker 1 And again, yes, yes, okay, it looks like yes.08:49Speaker 3 So one of the things that I love about Taylor Swift is so and it's bold of me to say this, I'm sitting here in a T shirt, but her street style is not necessarily beloved by the fashion girls. A lot of people think she dresses a bit basic or like. The common theme is people think there's always like one thing wrong with her outfits, so she often gets roasted for her She.09:08Speaker 2 Gets roasted, And it's so interesting how there's this huge fandom of people that are just like, oh, she looks she just looks terrible. She dresses frumpy. If you listen to any kind of fashion podcast, fashion adjacent, any kind of industry chat, they're just like, she's known as being like one of the worst dress celebrities. Can I just say, I can't see it. I like her outfits.09:28Speaker 1 I like them too. I guess I'm just not a fashion girl.09:31Speaker 2 But I thought, like recently in the dress with the little yellow bag and the heels, maybe it's because I too am a little basic. Like when people just like, oh, it's so boring when she just wears a glittery gown, I was like, you know what, wear a glittery gown. I'm so sick of everyone wearing a beige column dress or a black dress. They're like, it's chival blah blah blah. I don't know, they all look the same. Well, at least she has a look.09:50Speaker 1 Yes, she has a look.09:51Speaker 3 She knows what her style is, and she has worked for years and years and years with the same style as Stress of Castles. You have to wonder how he feels about it all. But he also does like her, like streaming and stuff for like the Era's tool.10:01Speaker 2 If he does love that, it's so wild because I don't see a huge jump between her costumes from the RAS tour and her street style and her red carpet style. To me, it all looks very like concise and that it fits together, Like she doesn't look like she's in a costume when she's on stage to me, and she doesn't look like she's been dressed by someone else when she's like she always looks like her. Yeah, and there's very few celebs that look like that, Like some of them, there's such a clear line between their street style and their event dressing.10:26Speaker 1 Yeah. So I don't know what people want. I don't know what people want.10:29Speaker 3 But what they did was dig back, and they didn't have to dig very far because last week she did wear the outfit you're talking about, which is like a sky blue dress.10:36Speaker 1 She had a yellow bag.10:36Speaker 3 She was wearing lue batons, which obviously have a red bottom on them, and she was wearing a horse shoe necklace, and so people ripped into this outfit last week. Yeah, and then suddenly on Friday, when.10:46Speaker 1 I was like, wa, where can I buy that?10:47Speaker 3 And I can't afford it? But I thought she I thought it was a great dress. She was out for dinner with her family and friends. And though she has previously said she does an Easter Egg when she's like Easter Egg her personal life, she does Easter Egg through fashion all of the time. And people as soon as this Toy Story theory started kicking around, well like, wait a minute, was that hideous outfit we hated on Monday a.11:05Speaker 1 Toy Story five clue? Maybe?11:08Speaker 3 And then outside of that, there is also there's clouds in the background of her opal Aite music video, Greta Lee, obviously because of the Graham Norton show was in that music video. Guess what She's also doing voicing a character in Toy Story five exactly, and June five is the really.11:23Speaker 1 State of Toy Story five.11:24Speaker 3 It was also the really state of Tailswift's debut album, Whoa. So everyone's kind of gathered these clues together to decide that she is making his song for Toy Story five and that the countdown accidentally got set live early.11:36Speaker 1 Oh but does she do anything by accident that I'm not sure of.11:39Speaker 2 So if the countdown had been like real, it would have counted down to like Sunday five am ish our time, and then nothing happened.11:45Speaker 1 And nothing, but it did disappear.11:47Speaker 3 So I do have to wonder if it was like a phase test gone wrong. If it is gonna happen, I mean we'll find out. It doesn't seem out of the realm of possibility to me for like Taylor to be like, you know what, now it's time for a kid's music soundtrack.11:59Speaker 2 Yeah, I mean, look, she's exactly the right age to have a very nostalgic yeah, because like all elder Malone, like she's an elder millennial just like us.12:07Speaker 1 Maybe or not, but yeah, we're all in that same.12:09Speaker 2 Bracket where we'd like grown up with Toy Story and then that we had like the later Toy Story movies that hit us as adults, and now this next one that we know is coming up is really kind of hitting everyone. It's more for adults and kids, it's hitting us at the stage of our life where we're in wood.12:22Speaker 1 He's got a bald spots triggering for everyone.12:26Speaker 2 It's yeah, so May there's a world in which she's a secret Toy Story fan and she has a real affinity with this franchise she's growing up with, and like it's all the cool kids like Greta Lee's getting in on Toy Story and then you have like Tom Hanks coming back and all the voice cast, and yeah, it's the one thing that everyone wants a piece of at the moment in Hollywood, which is so crazy.12:44Speaker 1 It's a Toy Story franchise.12:45Speaker 3 And one thing we know about Taylor Swift is that she does love an award. And if she could win a songwriting award and get a little bit closer to being an Eagle winner, you just know she would love that.12:55Speaker 2 She's just had a rough run as that poor girl. When will anything go right for Taylor?13:00Speaker 1 When will she again?13:01Speaker 2 I know she was meant to be a shoeing for the Oscars for Cats, Yeah, because she When you write a song, you co write a song with Andrew Lloyd Webber for one of the like most enduring musicals of all time, yea, you should at least get a nomination and probably a win, And that song was lovely, and I'm sure she pictured herself up on stage the Oscar singing it. And then Cats were so reviled and so universally hated the fact that Andrew Lloyd Webber went and bought a dog. Man hated dogs.13:29Speaker 1 He's like it turned me. He literally said that the other day a dog person.13:33Speaker 2 Yeah, He's like, I hated the adaptation of my work Cats so much that I went and bought a dog.13:38Speaker 1 Like, that's how much that man is angry at And.13:40Speaker 2 So Taylor's missu and that, and then everyone thought she was going to get a short film for the nomination for All Too Well. And there's been a few other times her music has been in the mix for a possible nomination, but it just hasn't. It's the one thing that's eluding her.13:51Speaker 3 It is, and I do think like she's got her thinking cap on and she's like a sad song about Jesse the Doll. That's a Cowboys song that could do well.13:59Speaker 2 I mean, the thing is, it's it's a good plan. If that woman writes a banger for toy story for the next movie, then yeah she's in. Then that's a real hook for a Best Song nomination at least.14:10Speaker 3 Yes, and so that was sort of the like unseerious side, but I do believe in it.14:14Speaker 1 That was a serious side.14:15Speaker 3 Yes, no surprising thing. So something else that Taylors which is making headlines for at the moment is her name in relation to a billion dollar sale to do with Spotify. But it's kind of due to something that she did back in twenty eighteen. And the reason I want to talk about it is because I love her so much, but also she's going to get so many other artists and so many other like songwriters and people involved in production paid out as a result of something she did back in twenty eighteen. But basically Universal Music Group are looking at selling half of their three percent stake in Spotify. And that might sound small, but that deal could be worth as much as like one point four billion dollars.14:51Speaker 1 It's a lot of money.14:52Speaker 3 So basically a bid from Pershing Square came to Universal which was to like buy out part of Universal or to become an investor, and in order to do that, they wanted them to liquidate part of their Spotify shares. But then for some reason everyone's reporting that it's like independently Universal Music has decided to sell off part of their Spotify shares and that was announced in April, but at the moment, they're obviously looking to sell off the stake. And what that would mean, like why Taylor Swift is involved is that she negotiated a deal back when she signed in twenty eighteen and other labels were selling off their Spotify shares, she negotiated that the funds would be non recoupable.15:33Speaker 1 Hard work to say.15:34Speaker 3 Got to tell you what that means is, obviously record labels, like every other label that would exist in the world, when an artist makes money, part of that money goes back to their record label. But obviously in this case the record label would be selling something, they would be giving that money to artists, and Taylor Swift is blocking that money from ending up going back to the record label. Oh and so the reason that she did that was because, as we know, Masters were a really big deal to her. She universal in twenty eighteen, and the reason she left Big Machine Records is she wanted to own her masters, like to own her own work, and the only way that Big Machine were willing to do that was if she gave them all one for one deal. So every time she gave them a new album, they would give her back ownership.16:14Speaker 1 Of one of her older albums.16:15Speaker 3 Oh, and she was like no, and didn't really trust Scott Bourschetta. And I think as well. She'd signed on when she was so young, she was a teenager. Her family were really involved. She was one of the very first artists that they had at Big Machine Records. She's certainly their most successful and I think they tried to make her feel as though like she owed them this deal even though it wasn't beneficial or good for her, and so she walked away went to another music group. As we know, the Masters thing kind of carried on for years and at that time wasn't as well known. But in twenty eighteen it did become a big deal. Oh my god, Taylor Swift wants more money from Universal. And what she was actually doing was making sure that this deal would impact smaller artists and musicians. And she said it at the time, she was like, I see it as a sign that we're heading towards positive change, a goal I'm not going to stop trying to help achieve in whatever ways I can. But she was very honest at the time that she was on her sixth seventh album, and she was like, I can speak up and be a voice for change, but younger artists can't. And she was like, what is the point of me, essentially, if I'm not going to stand my ground and have these arguments with record labels and Universal agreed. So they were one of the first to do it, and it does mean now when they're doing this sale, all of these other artists are gain and benefit massively, and I do think it's a testament today Swift. And I know a lot of people talk about her being a billionaire or like money grabbing, and at the time this deal was viewed very much as like, oh.17:35Speaker 1 She's just out for herself.17:36Speaker 3 But I do think she's one of those rare people in the music industry who isn't even though yes, she's going to benefit too, she does want other people to not go through what she went through.17:46Speaker 2 That's interesting thing because and I've said this before public on the podcast, So whether it's wrong or right, is that sometimes I feel like when she takes in the past, she has taken these big stands, it often kind of comes across like people really rally around her and celebrate her for some of the things she's done or when she said, but a lot of them. It sometimes feels like she just weighs on an issue when it's going to benefit her, and she tries to make it a universal thing. She's like, this man said this, you know, inappropriate thing to me, which also fair enough to be upset, and she's like, I'm going to take a stand, and everyone kind of rallies around her, and yeah, it's like, you know, oh, women's rights are that sort of thing. But at the same time, when you actually look at it from like a like a higher lens and kind of float above it, you're like, that was that was.18:26Speaker 1 Just for you.18:27Speaker 2 And saying the master's thing where I think for a long time there where she was like everyone felt like they were swept up in this big movement of like Taylor Swift getting her music back and it was this huge thing and it felt like a communal win every time she did it. But if you actually again looked at that, it was like, oh, no, it's just it's her, Like obviously.18:43Speaker 1 People are not. Everyone's going to own their masters. Yeah, and also like that's nice.18:47Speaker 2 It's like, you know, to feel good about what your favorite artist does and to feel involved in that, and I know that was a real sense of community around the Swifties. But then at the same time, yes, it always kind of felt like, oh, she'll speak on it, but only if it kind of comes back to her. But then I guess over the years she has kind of tried to, like when she spoke about politics and you know, tried to endorse like a different candidate, and she was like very aware that was like a bigger thing than her then. And I you know, obviously I know how much money she gives away and all that sorts of things, but you know, if you want to get on the weeds in it, it's kind of always felt like and that's what I hear a lot of you know, fans talk about the fact they love her music, but they wish she really stood for something.19:23Speaker 1 Outside of herself.19:25Speaker 2 But then also because of her branding and the way she kind of puts herself as this kind of like very inclusionary person, we all obviously expect more of her than other artists, particularly male artists. So it's a very weedy path. So you're kind of telling me that this was on because when I first heard of this, I only heard of it really top line, and I thought it was once again a thing of Taylor's lived coming out and like making sure that she has a win, making sure that she has her money, making sure that she's protected, and that being her first kind of priority, and then as a default, she's pulled other people in with her and she's being like overly celebrated. That's what I thought, But you're that that's not correct.20:01Speaker 3 Yeah, Look, my perspective on it is as you kind of said, there's been times like the Master's thing when she was releasing the Taylor's versions of albums. I liked it because I got new songs. Oh yeah, yeah, which I know, so fair enough selfish.20:12Speaker 1 And like fun as as fifty it was like.20:14Speaker 2 Transactional, like an artist you like is putting out content that you're willing to, like essentially buy the streaming and stuff.20:20Speaker 1 That's fair, that's just how business works.20:21Speaker 3 Yeah, But I very much saw that as like she did that because she it was personal to her.20:26Speaker 1 She wanted to own her own art.20:27Speaker 3 That's great, but it wasn't necessarily, like you said, the big moment that a lot of people built it up to be where everyone was going to benefit or everyone was going to succeed out of this. I do think though, when she did make this decision, there was a lot She actually received a lot of backlash at the time because she'd also previously like she took her music off of Apple Music in twenty fifteen. Yes, I remember that, and it was a whole big deal because Apple started doing like free trials essentially, and Taylor was like, well, how are people going to get paid if you're doing free trials? So then she took her music off temporarily, and then Apple agreed to still pay the artist despite the free trial periods, and she.21:02Speaker 1 Went back on.21:02Speaker 3 And I'd always taken her music off Spotify in twenty seventeen, like, so she'd done it a couple times in.21:07Speaker 2 Order, and I know those were framed if she was like, this doesn't make a difference to me, I'm doing this for other artists. Yeah, But was some part of it also because she's a business woman, and you don't become a billionaire without being very conscious of like keeping your money and making sure you're getting like squeezing money out of every little area that you can, like that's how you become rich. So was they also a part of her that was like I need to protect my own money, even though I don't need to at this stage, it's still money I'm losing. And then by default I will pull like I will help other artists out, which I'm sure the artists getting the money they don't care that she did it for herself and they're a byproduct.21:40Speaker 1 You'd be happy to take it.21:41Speaker 2 But it's just so interesting we always have to like she's a billionaire, and everyone still has to be like we have to protect the downtrodden kind of, you.21:49Speaker 3 Know, like yeah, yeah, And I do think at the time, like, for sure, those decisions like with Apple and Spotify in twenty fifteen, twenty seventeen, definitely we're about protecting her assets and all of that. I do think the decision in twenty eighteen to sort of negotiate all of these terms with Universal because that wasn't the only agreement that they came to. But I do think that had a lot to do with the way she was feeling taken advantage of with big machine records. Yes, and yes, that is a lot to do with herself. But I do think she looked then at that point in time, this is like after she's been canceled. This is when people are hating her guts, and I do think she started to look more. It's also when she's getting to like reputation. That world tour was at the time the highest grossing tour of all time, Like it was a big deal in North America. So I do think she was at a very successful point, but also at a point where she recognized that she had a bit more power than she'd ever had before and finally got to negotiate something and look back at how she'd been treated by this independent record label and just wanted to do something that protected people. She's also had the same band her whole career. She's worked with a lot of the same production team, same songwriters, same people in her camp the entire time. And while they're really well taken care of, I think she also sees that like not a lot of people are, and she's about like when she was a songwriter back in Nashville, she would be in these like communities and people would be talking about how they got money from people buying like a Faith Hill song that they had worked on one time, and so she was like, that doesn't happen anymore. So I want songwriters to be better paid. It basically all came down to the whole songwriting element of how she sees herself rather than like the big pop stars and stuff. Did she benefit absolutely, and do people often yeah, compliment her when she does something just for herself and it ends up benefiting others.23:28Speaker 1 Absolutely.23:28Speaker 3 But I do think in this instance, like it is going to help a lot of people put food on the table and also remain in the industry a bit longer when you have deals that actually support the lower down people in music.23:40Speaker 1 And like I guess in terms of musical.23:42Speaker 3 Billionaires, I'm glad at least one of them is doing something better than other people.23:45Speaker 1 Yeah, exactly.23:46Speaker 2 And that's the thing I don't like when people like, look at Taylor Sitch and has to do these extremes of like she's a superhero, she's a super villain. Like, yeah, it's a bit in the middle. It's a bit in the middle. Like do I think anyone should be a billionaire?23:56Speaker 1 No? I don't.23:57Speaker 3 But also I do think she donates a lot of mine. You see it all the time. She doesn't come out and go look I did this, Like random charities will be like, hey, she just gave us a million bucks and you're like, oh sick.24:07Speaker 1 Yeah. Yeah, Well, and you know the good news. I guess out of this might takeaway. She might have some sweet toy story.24:11Speaker 2 Money coming in. She might look she'll never be shy I of a dollar, Taylor Swift. But hey, maybe she'll help some people along the way. Well, we're still very much in the devil Weares prior to two weeks. The movie came out last week. We've got a special episode coming up this Friday about it. The movie, So it released this weekend. We're like number one at the box office across the world, as we thought it would be. Apparently it's going to go even further than projected with like the money it's making here the box office, because people are going to see it multiple times. And I love that and hopefully I don't know what it's going to take for studios to take notice, because it's like we have Barbie Breaks all the box office records, Wuthering Heights, love it or hate it, Women just wanted to get dressed up and go with their friends.24:48Speaker 1 Yeah, did amazingly crush the box office.24:52Speaker 2 And now the same thing, women are getting dressed up going to the movies.24:54Speaker 1 Like guys, are we seeing a pattern here? People like the movies.24:57Speaker 2 It's almost like women want to go and see women's stories at the movies.25:01Speaker 1 They can get dressed up and have a goddamn cocktail.25:04Speaker 2 Anyway, So, as we move through Devil Wears Prider Week, and I'm having a great time with everyone who's coming out and would work to share their thoughts and feelings and everything, something very interesting has happened, something historic. I would even go as far to say the real inspiration behind Emily Charlton, a character in the Devil West Prata who has been in three of the books and also now the two movies, the real woman behind her has come forward for the first time in decades. People have tried to work out who she was for years, and I'm sure people in the fashion and magazine industry knew, but she herself has never come out and said anything until now, until the movie has come out and so well received it to be said, there's a straight line there. So Leslie Freemar, who is a celebrity stylist and has been in the fashion industry for many decades, went on the Vogue podcast and talked to editorial director Chloe Mao because when Anna Wintle vacated, she wouldn't let anyone else be the editor of Vogue, said, she's the editorial director, but she is running the day to day operations at Vogue now as Anna win talk kind of move has moved into a more like overseeing role. And so she interviewed Leslie, and I know you've listened to this multiple times, right, this interview. Yeah, I couldn't get enough of it. I listened to it twice as well. It's been the thing all my group chats are talking about. And it's interesting because it wasn't supposed to be cutting in any way, but if you read between the lines.26:26Speaker 1 Oh yeah, there's some cutting lines.26:28Speaker 2 It's a bit of a savage story about Lauren Weisberger. So if anyone doesn't know, Lauren Weisberger is the author of The Devil Wears Prata and the sequel, The Devil Returns.26:37Speaker 1 And everyone keeps saying that this is the second book, but actually the.26:39Speaker 2 Third, When Life gives You Lu a Little, When Life gives You Lulu Levin's Crazy, which is Emily's story of her leaving Miranda and like getting pregnant and moving to the suburbs and like breaking up with her husband. It's nothing like the movies. Yeah you've said that. Yeah, I've not read this book. And then so here's the Lauren Weisberger that she was Anna Wintour's assistant well over many decades ago now, and she lasted about eight months in the second assistant chair, and we now know that Leslie was the first assistant at the time. So when she came on to do the podcast with Chloe, Chloe sort of says to her, like, why do you think you're the real Emily? And she's like, I don't think I know. And as she tells her story, it's interesting because Vogue was going to have a panel with past Vogue staffers that all could have been the Emily and they were going to sort of like have a discussion. And then Leslie, who doesn't really do anything like she works with celebs, and like, yes, she's Charlie's.27:33Speaker 1 There on style, Yeah, and she's style a lot of.27:35Speaker 2 Red carpet looks and things like that, but she's on a public face. And she had to sort of call Chloe and say, hey, I'm happy to come and talk and help.27:42Speaker 1 But it's going to be.27:43Speaker 2 Really clear if we all get on stage straight away that it's me.27:46Speaker 1 Yeah, that it's definitively me.27:48Speaker 2 I sat across from her, I said lines that are in the book, I know it's me, And so that idea is going to fall apart pretty quickly. And Soe said that she came on the podcast, Ye did you have a favorite reveal from Leslie? Although there was way too many, but I do think the clearest one, or like the best one to me is how she found out about the book. And also that's the clearest one that obviously, yes, the book was written about her, because even Anna Wintor knew the book was about to tell her. So can I tell the story please people who haven't listened. So obviously wide ranging podcast really really good. But in this part, she says she had moved on to be an assistant in a fashion department and then she gets a call from then Anna's new assistant to be like Anna needs to speak with you, and she was like, Anna never needs to speak with you, and also never needs to speak to an assistant. So she hustles on over there and Anna Wintour asks her who is this woman?28:38Speaker 1 Like who is this lady?28:39Speaker 3 And she's like, that was your assistant, and Anna Winter was like, I don't even know.28:43Speaker 2 Her, has no idea, Well, she has a lot of different assistants, and that she was only there for eight months, and I'm sure maybe she'd seen her.28:50Speaker 1 She would have, yeah, but she.28:51Speaker 2 Called her and she was just like, who is Lauren Weisberger? And it was so funny because Grace Cottington, who's a really famous Vogue editor who worked really closely if Anna and that team, wrote in her own book that no one could remember Lauren when brutal so focused so funny about it. She's like, none of us could picture this, and she's like, I guess Anna's assistants were always, you know, just these bobbing, faceless heads outside her office that you would talk to. But like, Leslie is really the only one who has any memory of her.29:20Speaker 1 Yeah.29:21Speaker 3 And so it's obvious enough when Anna has read this, you know, the initial draft of the book to her that the Emily character is Leslie, because she calls Leslie into her office asks her who Lauren is, and then Anna Wintour says, oh, she's written a book about us, and you come off far worse than me.29:36Speaker 2 That is the interesting thing that Leslie says in this interview, is that they received the galley, which is the very very early stages of a book where things are subject are changed, and she said, she it's so funny, Chloe. He's like, did you run outside straight away and read it. She's like, no, I had to back and do and finish my work. And I was like, life, Emily, I mean maybe because she's like, we probably had a big shoot that day.29:58Speaker 1 That was me.29:59Speaker 2 I would have run straight to some hidden corner and I would have read that book under my desk all day. She said, she waited till she got home at night. Okay, if you've got more will power than me, and she said the first iteration of the book was so mean and much more true to life, because what she's saying has happened is that Lauren took a writing class and they said write what you know, and apparently she wrote it as a memoir, and then they wanted to fictionalize it, and then the fictionalized version was really really mean to everyone who worked at Vogue Tour, to the Leslie character who became Emily, and then the editors who worked with her toned it right down to the book that went on the shelves. The Devil Wears Prada, which is interesting because that book does skew very not mean, but it's like the Miranda Priestley character.30:43Speaker 1 Have you read the book?30:44Speaker 3 No?30:44Speaker 1 Oh, okay, I wouldn't. Sorry, no, I wouldn't invite.30:48Speaker 2 If you're going to read a Lauren Weisberger book, I've got I've got a better recommendation. She read, She wrote some good books. She writes a fun book to have by the pool on holiday. I've read, Yeah, like Last Night at Chateau my Mond chasing Harry Winston. Yeah, The Devil is proud of Like the idea is good obviously because it went on to spawn this incredible thing. But the plot's a bit thin. There's no memorable one liners, Like, it's not a witty book. And also the character of Miranda Priestley is like a caricature. Yeah, all the layers that she has in the movie don't exist in the book.31:21Speaker 1 She's just a nasty woman.31:22Speaker 3 Well. I found that interesting because Leslie said she was able to watch the movie and she found the movie really enjoyable. She was like, it's really glamorous, but there's more like empathy and the people are more well rounded than we saw in that initial galley and then even in the book that got published, Like, that's crazy to me that you can know that this is about you and you see it is really mean, but then you see the on screen portrayal and like, yeah, you like Emily and you like Miranda. I don't have way more nuance than I'm guessing they have in the book.31:47Speaker 2 No, in the book, they just kind of mean girls. Like, yeah, I mean Emily and Andrea hang out a little bit more in the book, but she's still pretty mean to her. And like, yeah, the Miranda character is very kind of just like she's a nasty person. Yeah, she's just like this little talk about her being this little bird like creature, which I guess is very Anna Wintle coded who just like stalks into the office. Yeah, they make a lot of there's a lot in the book about what There's like a whole chapter devoted to what she eats, which apparently is also very Anna winto because she likes steak and potatoes and Starbucks and ice cream. And that's a huge cry in the book. So sometimes Lauren Weisberger was I think just typing out her day. But the end is very different, Like it still ends with Andrea like walking away from her, but there's no nuance with Miranda having like that breakdown scene in the hotel room, like that's to the movie with the no makeup where she kind of like drops the facade and there's no like, you know, Andrea, everyone wants to be out.32:36Speaker 1 It's like this is the sacrifice.32:37Speaker 2 It's just her screaming at her, yeah, and just screaming at her. And then it's like very anti climactic with Andy like calling the office and being like can I still get my flight home?32:46Speaker 1 They're like, no, I'm not going to leave you strand there.32:47Speaker 2 You can get your flight home, and it's just like, oh, kind of anticlimactic.32:51Speaker 1 Yeah. The end.32:52Speaker 3 I do think it's really interesting, like, oh forgot The whole thing is so interesting. But one of the parts that made me go, oh, you are Emily is that Leslie explains like the Lauren person slash Andy character, and she was like the reason that I found it like interesting in the book is like I don't remember Lauren ever being a star on the rise. Yeah, but she's pretty much like that didn't happen. And then she explains like Lauren probably thought I was a bitch because I had to do her job for her because she was and she's like she was probably just sitting around writing her book, I guess, but she pretty much is like that girl never did her job and hated it there. And so yes, I used to snap at her because she wouldn't do her job, and I was like.33:29Speaker 1 WHOA to me?33:30Speaker 2 That was the most telling moment from this revelation from the real Emily from the Devilwars Prider. And can I say I've talked to a lot of people who have listened to this interview, and a lot of people have said, like, she comes across as classic Emily. She comes across as a mean girl for saying that, And can I just say team Leslie on that one.33:46Speaker 1 I thought classic Emily in a good way.33:48Speaker 2 Yeah, they're saying she's too mean, Yeah, that she was being mean about Lauren. Everyone closed ranks against Lauren when she wrote this book, to the point where that's why the company line is like we don't know who Lauren Weisberger is.34:01Speaker 1 And the Devil Wears prior like the first.34:03Speaker 2 Premiere, the one that was in New York, apparently, you know how like they have a host camp on stage and kind of greet everyone a paving. The host was like, you know how they got round the room like this person's here, this person's here. They were like Anna Wintour is here, as is the author of the book, and no they're not sitting together.34:17Speaker 1 And everyone was like whoa because they were in the same room. But also, I have this now.34:22Speaker 2 I think that this has been scrubbed from the internet, but I swear to God I read this quote when The Devil Wears Pride. It came out, but I've gone to look for it so many times and I can't find it. So I think that it was written in a magazine and it's been destroyed. Yeah, but I swear to God that Meryl Streep in an interview, they asked what she thought of Lauren Weisberger and she was like, if I was her, I would have spent more time learning from Anna Wintour than writing a book.34:45Speaker 1 That's just me. Now.34:47Speaker 2 That is not maybe not the kind of thing Meryl Street would say, And maybe I'm paraphrasing, but I feel like she says that in an innuay you have like.34:54Speaker 3 A pretty what is you don't have like a photographic memory, but you have pretty similar.34:58Speaker 1 I have a photograph of memory for so things.35:00Speaker 2 Yeah, yeah, that'll help me in life. But I swear to god, I read that quotally magazine. Yeah, and some person obviously didn't upload it to the internet or it was it's been screet internet.35:11Speaker 1 But I feel like that was just the vibe.35:12Speaker 2 But yeah, I was very much on Leslie's side because she really cared about fashion. She talked about the fact that she had come from Canada and she had really had to fight her way into this job, and she was working like all that stuff you see in the movie about she was told she had to be in the office at seven point thirty.35:29Speaker 3 She moved closer to the office so she could be there on time and stay late.35:33Speaker 1 I was sleeping in.35:33Speaker 2 That office, so she had to be there at seven thirty in the morning. Yeah, with all of Anna's like books and papers, all that stuff you seen the devil was part of them. Putting him in a fan on her on her desk is all real. And then she had to wait around for the book again things we know from the movie. She had to wait around for the book till like ten o'clock at night, and so she's working these crazy hours she gets promoted to first assistant. They she hires Lauren Wiseberger, who has come from a very prestigious university and is very educated. This is sorry, I mean we know that that's a fact. She did come from a prestigious She was in the ivy leagues in America, so like super educated. And she said, from the moment Lauren got to Vogue, she was just like, I'm too good to be here, yeah, and I don't want to be here. And she had and she said she just wouldn't do her work, and so Leslie had to do all of her work for her. And that's where the resentment grew. And that's where the character of Emily from The Devil Wes Pridact came from her resentment.36:25Speaker 1 And I'm just like, if you've worked in a creative.36:26Speaker 2 Industry, everyone knows that feeling of having to do the work for someone else. Yeah, but there's no way to kind of track it a lot of the time publicly. Yeah.36:33Speaker 3 And it also reframes because she says, she's like, I absolutely told her a million girls would kill for this job, yeah, And like it reframes that to an extent too, Like she is of the opinion that Lauren's come in just to write this book and was wasting time and not doing her job, And it's like, yeah, you probably would say something.36:48Speaker 1 To that effect if you're at Vogue at.36:50Speaker 3 That point in time too, Like insane budgets all of that, So many career opportunities, which there still are with Vogue of course.36:57Speaker 1 But like the more that it's changed.36:58Speaker 3 At that point in time, that was the place to go if you wanted a career in journalism. You could get anything, and like Meryl Streeps or alleged quotes saying if you put in me with.37:08Speaker 1 The Meryl Streeps slander, will they even say? Like in podcasts?37:11Speaker 3 The first assistant before Leslie moved up went on to become the entertainment editor at Vogue it for years and years and years and is a very successful and respected journalist. Like you, Yeah, you could build a career off of being that assistant.37:24Speaker 2 I think back then that was the job one hundred girls would kill for and it probably still is. Yeah, Like I know it still is, Like Vogue still carries a lot of weight, and being an assistant is how you get into that pool. So I think that was Leslie's kind of like and we see that dynamic in the book, but we see it in a different way from Andy's perspective, which is Lauren's perspective of her just not coming into this, like what she's thinking is like a plumb job and not doing any work, but like secretly writing her book under the desk, which is the allegation that Vogue has not been able to prove. And also Leslie also said that she took a writing test for Vogue and was rejected, which is in becau. Lauren Weisberger had some writing published in Vogue recently interesting and everyone was like, look, the woman.38:04Speaker 1 Who was turned away from Vogue.38:06Speaker 2 All she had to go do was write a tell all memoir that gets turned into iconic film series and she finally got in.38:11Speaker 3 It's also kind of interesting then that like a subplot of The Devil wes Prata too, is the idea that Andy might write a tell all memoir.38:18Speaker 1 Okay, that was.38:18Speaker 2 Such a quote when I went and saw because I saw that first part of the movie before I went and did The Devil West prior of interviews, and in the theater I was seeing there was like four other journals. I went because I'm like, that was such a Lauren Weisberger burn Yeah, where they were like, what is she going to do? Go write a tell a memoir about her boss? Ha ha as if that's the worst thing you could do. And I was like, that is literally why we're all sitting here, Yeah, because someone did that. But it's kind of become like, it's interesting because Anna Wintour like could have come out of all of this looking like the villain, but she's come out looking like the hero because everyone's like, we love Miranda Priestley, we love Meryl Street, we love this movie, and by default, we love and a wind Tour for being a part of this and that's why she's lent into it. And then Lauren Weisberger has become the kind of like, obviously she's published so many books and she's doing really well, but she has kind of become the punchline when she was initially set up to be the hero, which I find so interesting. And I just find like Leslie's perspective on Anna so different from someone who was just came in with like kind of no emotion, very ambitious because she talks about the fact that Anna was like very much like no personal chat. We're all here to work, and she works like that and she's very comfortable in that setting.39:28Speaker 1 Can't relate to that, can't relate but I love that story she told where.39:33Speaker 2 So Leslie who was giving the interview, the real Emily is from Canada, and so she was being sponsored by Vogue, a biolized Clark that's a fake company by Conde, asked to work at Vogue. And she got a call one day from the Vogue human resources team to say they were no longer sponsoring anyone, so they weren't going to like do her next visa, and so she basically had to leave the country and lose her job. And she said that she was just hysterically sobbing, something she's never done before, but she was so upset and fair enough, and she said that An she didn't know Anna was going to be in the office that day. All of a sudden, Anna Wintour walks in and I don't know why this is so funny to me. She's like, Anna was clearly uncomfortable, and she just walked away. She just walked into her office. But then she waited a few minutes called her in and I love how Leslie did her. Anna Wintour's voice she said she tried to like kind of do like half a British accident.40:19Speaker 1 She was like, Leslie, why are you crying?40:21Speaker 2 Looks so angry, but also just like can't not angry, but just like so flabbergasted that someone in her office would be showing emotion. And so Leslie told her and she was like, Anna Wintle' was like, oh my god, go sit down and stop crying for God's sake.40:32Speaker 1 And then Anna Wintour just called.40:34Speaker 2 All of a sudden, this man appeared in the office who's like the head of human resources.40:38Speaker 1 And Anna Wintour is like.40:39Speaker 2 Ci, my assistant is crying, and in her head, she's like and that's the worst thing anyone could ever do.40:45Speaker 1 In front of me.40:46Speaker 2 She's like, can you please just get her a visa? Just go and sword it. And he's like, yeah, that's fine. And so she got to stay in America. And now she credits this whole huge fashion career that she's had to Anna Wintour just telling her to stop crying.40:57Speaker 3 And fair enough, It's like, yeah, I do think I thought the little insights were interesting. It's also so interesting because Chloe's the one interviewing her. Yeah, and Chloe, like everyone who is online and has seen the pair of them together in recent interviews, is intrigued by the Chloe Anna relationship and like.41:12Speaker 1 Oh, I don't know. I want to from Chloe so bad.41:15Speaker 3 Yeah, and like little things right, like Leslie was like, well, you can't ask her questions and Chloe's like yeah yeah, and then then.41:21Speaker 1 She's like I'm living that in real time. It's like real And.41:23Speaker 3 They're talking about like the book and like the little like wheel seas, which was apparently like little posters or like seams, which was little posters that Anna would put on to be like email this person, tell them to come see me.41:33Speaker 1 I don't like this bro. Little things like that.41:35Speaker 3 It was so interesting to see like Leslie talking about a career she had twenty years ago and Chloe talking about the career she has now and then both just relating to like Anna's anaysms, but also revealing that like a lot of the things don't come from Anna herself. Yeah, that was interesting. They were like, she's not the one who says you can't take bathroom breaks. It's just like something that's been passed down.41:55Speaker 1 Yeah, it's been passed down. Yeah.41:56Speaker 2 The other thing I thought was really interesting was a reveal that came right to the end, and it was the question that Chloe asked her, which was like, have you have you who plays Emily and The Devil Wears Prata? Have you ever met Emily Blunt? And the answer was yes, because of course she's a celebrity stylist, so she's in that world. And she even Leslie said she always thought about what she would say if she ever met the person who had played her on screen and turned her into this iconic character, even though no one knew that she was the real Emily. So she said she was at a dinner one night at a mutual friend's house and she was like, this is my moment. Emily Blunt's right there. We're on this, We're on even ground. I'm not coming up to an event, We're at a mutual friend's house. We're both here as equals. And then she said to her as they were chatting, I just need to let you know that I am the real Emily. And to be so fair a Leslie, I would have done the exact same thing.42:44Speaker 1 Who wouldn't You're telling Emily.42:46Speaker 2 Blunt that her most iconic role, her first big role, that blew up her career is based on you. I would have dropped that and just been like, like, she she's gonna lose her mind. And apparently Emily Blunt couldn't care less. She said oh and just like went on with the conversation. Now did she not hear her or have so many people in the fashion industry said things like that to her before trying to have an in with her? She was like, oh, or was she maybe like and maybe like alarms went up and she was like, Oh, is this woman gonna say to me at my friend's house like she didn't like my portrayal because she plays her really nasty in a funny way.43:21Speaker 1 Is she gonna like.43:22Speaker 2 Ask me, you know some sort of like inside a question? Does she know something? She worked with the woman who wrote this book and like everyone I know doesn't like that woman, like it was a lot so or does she just is Emily Blunt so cool? She just genuinely did not care.43:35Speaker 3 I feel like Emily Blunt just doesn't care. I really like it, but sometimes intrigues me.43:41Speaker 2 I can't believe that because if you met any person, like if you met the person who was the real person behind a role you played as an actor.43:49Speaker 1 Wouldn't you be interested in that? I ignore people would Yeah, I know.43:53Speaker 2 Some actors don't like to meet the person because they don't want the lines to be blur, they don't want to feel like they can't show them in their worse or they don't want to sort of like do a parody of a person. Yeah, but like that shit is sailed like she did it for the first time twenty years ago. Yeah, Devil was prior to too, wasn't filmed at the time. But also there was no inkling that Devil's product she was ever gonna happen. Yeah, I just want and I'm sure someone will ask Emily Blunt the next time she does a lot of press, and I'm so interested in her answer that. Yeah, it's almost like you feel bad for Leslie.44:22Speaker 3 Like it would have just been at least nice, Like as much as I think she people really like the Emily character and stuff she does.44:29Speaker 1 Speak about it at the.44:30Speaker 3 Time, like people in the industry all knew that it was based on her and her being really scared of how she'd be perceived or if she'd be hired again, or what would happened to her career based on this version of the history they went through together. And she also says like Lauren never called her, Lauren never gave her a heads up, like they have not spoken since, so it's not like how Andy and Emily got along in the end. That's not what has happened here. So she's kind of gone through that never outed herself, goes up to the woman who played her, thinking, oh, we can at least have a nice discussion, and she just.44:56Speaker 1 Gets like kind of ghosted. I don't know that would suck. I think Emily Blunch probably reconsider talking to her about that.45:04Speaker 3 Well.45:04Speaker 2 It's such an interesting interview, and we'll link the whole thing in our show notes.45:07Speaker 1 Because we've only sort of scratched the surface. There's a lot more in there. So good.45:10Speaker 3 Thank you so much for listening to The Spill today. Don't forget to follow us on socials. We will pop all of the links in the show notes. We will be back in your feed bright and early tomorrow morning with morning Tea hosted by Ash London. The Spill is produced by Minisihaswarren, with video production by Michael King.45:24Speaker 1 Bye Bye,Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

In this episode, Aydin chats with brothers Emil and Cassy—founders behind Hoppier (snack stipends for teams) and Postbeam (an AI-native LinkedIn content engine). They show how transcripts, voice interfaces, and AI browsers can 10× content output and product velocity for small teams. Demos include: turning transcripts into LinkedIn posts, Postbeam's “Marv” voice interview, Vercel v0 mockups, and Perplexity's Comet browser agent. The theme: tiny teams, mighty outcomes—when AI is baked into every workflow.Timeline & Timestamps01:08 – Hoppier origin: ~1,200 customers, profitable, still founder-run.03:57 – Why transcripts are gold for creating unlimited content.05:06 – Demo: pulling a podcast transcript into Claude → strong LinkedIn post hooks.08:55 – Volume matters: consistency wins; learning from creators like Pablo.11:15 – Remix vs. original insights: two formulas for content that works.14:38 – From process to product: Postbeam lands early paying customers.16:26 – Inside Postbeam: sources, remixing, images, and multi-team member voices.18:33 – Demo: Marv voice feature interviews you to capture authentic tone.24:21 – Building with AI: using Vercel v0 for rapid UI mockups and team feedback.29:16 – Aydin's day job plug: Fellow.ai meeting assistant.31:36 – Replit vs. V0 vs. Lovable: pros, cons, and caution for prod-grade apps.35:58 – Comet browser demo: finding Toyota RAV4s on Marketplace with AI.42:42 – Tiny but mighty: Postbeam (2 founders + Gen Z cousin) and Hoppier (7-figure biz with 4 ppl).Tools & Technologies MentionedClaude (Anthropic) — Generates LinkedIn posts from transcripts.ElevenLabs / YouTube Transcript Tools — For pulling transcripts.Postbeam — AI LinkedIn content engine.Marv (inside Postbeam) — Voice interview AI to capture tone.Vercel v0 — Natural language → React UI mockups.Replit / Lovable / Cursor — AI coding platforms, with tradeoffs.Perplexity's Comet Browser — Agentic browser for automated browsing.Whisper Flow — Voice-first workflow automation.Fellow.ai — AI meeting assistant.Subscribe at⁠ thisnewway.com⁠ to get the step-by-step playbooks, tools, and workflows.

In this episode, I talk about an exciting word: "相手（あいて）."The word "相手" can be translated into many English words depending on the context and situation.The best way to learn this word is to be exposed to many example sentences and contexts.Enjoy!

Aite y'all this is my very late election episode. Late upload, I have some excuses but won't make any. Let's get to it! Talking taxes, tariffs, deportation and everything in between. 1 Peter 4:12-13 for reference

More pipe music from a the airts as Gary delves into his collection once more for your delectation and delight! PlaylistRory Campbell with Cotton Eyed from IntrepidJohn Wilson with Traditional Air, Hugh Kennedy and Inveran from The World's Greatest Pipers Vol 5. Greater Glasgow Police Pipe Band feat. Rachel Walker with Fraoch a Ronaigh, Thug Mi Gaol Ghut, Thug Mi Gradh and Hi Ho Leagain from Ceolry. Xavier Boderiou with Laride Gavotte from Gwrizienn Davy Spillane with Undertow from Pipedreams P/M Angus MacDonald with Susan MacLeod, Caledonian Society of London, Mrs MacPherson of Inveran and Johnnie MacDonald's Reel from The World's Greatest Pipers Vol 1 Robert Watt with Leaving Barra, Soraidh Leis an Aite, Teann a'Nall, Crossing the Minch and The Mason's Apron from Live in Uist and Barra Carlos Nunez with Jigs and Bulls from Os Amores Libres Support the show

Aite yall I'm a little late on the upload...my bad. This episode we're talking about our feelings and how those same feelings are preventing you from taking the next step. In Jesus name let's get it!!

Aite we back down to earth right.... it's just one loss.... ARRRRRRGGGHHHHHHHHH THE SEASON IS OVER!!!!!!!!!!!!

Get ready to clutch your pearls! Sam and Bec return to finish what they started: Break Point (the first episode of season 4 of Emily in Paris). Plus, the first "Am I The Emily?" (AITE) segment! Emily Cappello's review of season 4 is here: https://collider.com/emily-in-paris-season-4-part-1-review/ Find your Emily in Paris character based in your star sign here: https://people.com/which-emily-in-paris-character-you-are-based-on-your-zodiac-sign-8695430 The 1-star review from The Guardian is here: https://www.theguardian.com/tv-and-radio/article/2024/aug/15/emily-in-paris-season-four-review-as-exciting-as-watching-paint-dry-if-you-really-hate-paint The behind-the-scenes article by Rebecca Liu is here: https://www.theguardian.com/culture/article/2024/aug/10/emily-in-paris-season-4-behind-the-scenes-netflix Vote for Enemy in Paris in the British Podcasting Awards here: https://www.britishpodcastawards.com/voting Help Sam and Bec justify the amount of time and effort it takes to bring you this show by becoming a Hatereon supporter today! You'll not only get an Emily-level sense of smugness, but access to bonus content! http://patreon.com/EnemyinParis And if things are tight, you can still help by spreading the hate via word-of-mouth, social media (@enemyinparis), or a 5-star review! Don't forget to follow/subscribe and (if it's an option) hit the notification button so you're alerted when each episode is released. Find us on... http://instagram.com/enemyinparis http://facebook.com/enemyinparis Sam Kieffer can be found as @mostfunsam across most platforms. Bec Hill is @bechillcomedian. The theme tune is by Frankie Lowe. (The full version can be found on the Enemy in Paris Instagram and Facebook page - and where ever you get your music!)

Kažką į dabartį atsinešėme iš praeities. Kažką iš dabarties bandysime nusinešti į ateitį. O kas į ateitį keliaus iš praeities? Vizijos, lūkesčiai, sapnai?Ved. Aidas Puklevičius.

In this episode, we relaunch our podcast with Season 4! We introduce the new executives from AITE and Westhill for the 2023-2024 school year. We also talk about back to school tips, how to set yourself up for success this school year, and how to practice self-care. Be sure to share this podcast with your friends and family and tune into our future episodes which will be releasing every month!

The 2023 Hall Of Fame game had plenty of NFL Draft prospects on display. Who were the standouts/good of the contest? New York Jets Mekhi Becton looked great in Damian's opinion, although it was in a small sample size. Cleveland Browns rookie QB Dorian Thompson-Robinson was impressive last night. Should Kellen Mond fear for his QB2 spot? How did Keith feel about Jets QB Zach Wilson's performance last night? Rookie RB could not get going versus the Cleveland Browns' defensive front. Jets first-round pick Will McDonald IV was "Aite" to DP. He liked what he say and hopes to see more this preseason. Support Us By Supporting Our Sponsors!Underdog FantasyThis episode is sponsored by Underdog Fantasy! Sign up HERE with the promo code LOCKEDON to get your first deposit DOUBLED up to $100.Must be 18+ (19+ in Alabama and Nebraska, 21+ in Massachusetts and Arizona) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-GAMBLER or visit www dot ncpgambling.org; In Arizona call 1-800-NEXT-STEP; in New York, Call 1-877-8-HOPENY; in Tennessee, call 1-800-889-9789eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit. eBay Motors dot com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.FanDuelMake Every Moment More. Don't miss the chance to get your No Sweat First Bet up to TWO HUNDRED DOLLARS in Bonus Bets when you go FanDuel.com/LOCKEDON.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

The 2023 Hall Of Fame game had plenty of NFL Draft prospects on display. Who were the standouts/good of the contest? New York Jets Mekhi Becton looked great in Damian's opinion, although it was in a small sample size. Cleveland Browns rookie QB Dorian Thompson-Robinson was impressive last night. Should Kellen Mond fear for his QB2 spot? How did Keith feel about Jets QB Zach Wilson's performance last night? Rookie RB could not get going versus the Cleveland Browns' defensive front. Jets first-round pick Will McDonald IV was "Aite" to DP. He liked what he say and hopes to see more this preseason.  Support Us By Supporting Our Sponsors! Underdog Fantasy This episode is sponsored by Underdog Fantasy! Sign up HERE with the promo code LOCKEDON to get your first deposit DOUBLED up to $100. Must be 18+ (19+ in Alabama and Nebraska, 21+ in Massachusetts and Arizona) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-GAMBLER or visit www dot ncpgambling.org; In Arizona call 1-800-NEXT-STEP; in New York, Call 1-877-8-HOPENY; in Tennessee, call 1-800-889-9789 eBay Motors For parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit. eBay Motors dot com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply. LinkedIn LinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply. FanDuel Make Every Moment More. Don't miss the chance to get your No Sweat First Bet up to TWO HUNDRED DOLLARS in Bonus Bets when you go FanDuel.com/LOCKEDON. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

In episode 4 of the podcast "Scam Rangers," Julie Conroy, the Head of Risk Insights and Advisory at Aita-Novarica group and I talk about online scams and the perspectives of both financial institutions and consumers. We discuss the gap between what banks think they're doing to educate and protect customers from scams, and how it's being received by consumers.This podcast is hosted by Ayelet Biger-Levin, who spent the last 15 years building technology to help financial institutions authenticate their customers and identify fraud. She beleives that when it comes to scams, the story starts well before the transaction. She has created this podcast to talk about the human side of scams, and to learn from people who have decided to dedicate their lives to speaking up on behalf of scam victims and who take action to solve this problem. Be sure to follow her on LinkedIn and reach out to learn about her additional activities in this space.

On this episode of Conversations on the Creek, we're happy to welcome this month's guest, Martina Conlon, Head of the Property & Casualty Insurance at Aite-Novarica. Martina has extensive experience in IT strategy, best practices, organizational approaches, and technology architecture, and is the primary researcher and author of market-leading reports on agent portals, core systems, business intelligence, and technology strategy. Martina will share her insights with Duck Creek's Chris D'Souza into the challenges facing P&C insurers as they seek to accelerate product innovation, how insurer's are planning and prioritizing these initiatives for personal and commercial lines, and the key attributes insurers look for in a modern core system to sustain innovation at scale.   Learn more about AiteNovarica by visiting www.aite-novarica.com.   As a companion to this podcast, we invite you to download Duck Creek's Guide to Accelerating Speed to Market by visiting https://info.duckcreek.com/practical-guide-accelerate-speed-to-market-2   Check out all our other episodes and subscribe to Conversations on the Creek on Apple Podcasts, Spotify, Google Podcasts and https://www.duckcreek.com/podcasts/.  

Glen speaks with Highline co-founder and CEO Geoff Brown about his firm's efforts to simplify bill payment and make “safe to spend” budgeting more practical by remitting amounts due directly from paychecks. Also- the ninth (or tenth) life of checks, and questions over how the CFPB is “fed.”      Links related to this episode:   Highline: https://highline.co/  Our previous episode on payday lending: https://www.big-fintech.com/Media/BIGcast/ArticleID/836/Exodus-from-the-Debt-Trap  BillGO and Aite's study on how Americans pay their bills: https://www.billgo.com/blog/how-americans-pay-their-bills  Deluxe's unexpected check rebound: https://www.americanbanker.com/payments/news/deluxe-check-printing-business-sees-surprising-uptick-in-demand  CFPB funding: https://www.npr.org/2022/10/19/1130115943/court-says-financial-watchdog-agency-cfpbs-structure-is-unconstitutional    Join us live every other Wednesday at 3pm ET/Noon PT for the CU Town Hall, an interactive discussion of the most pressing issues facing credit unions:  https://www.cutownhall.com/    Follow the Best Innovation Group on Twitter: @bigfintech Follow Glen on Twitter @154Advisors Follow John on Twitter @jbfintech

#MotivationalMonday: Be An “Aite Cool” Educator Don't you hate that friend or family member who takes things too seriously and want them to say Aite Cool every once in a while. Well…as an educator we should take the same mentality. There are three ways to do it. 1. Have a relaxed classroom atmosphere. 2. Allow teammates to try something new. 3. Roll with what the admin says sometimes and don't buck up. Challenge: Use flexible groupings in your classroom Be more chill and your practice will improve. Be Phenomenal, Mr. Short Check thephenomenalstudent.com and The Phenomenal Student Podcast. Follow me on Tik Tok: @thephenomenalteacher and Twitter: @Mr100teacher #EduTok #EduMotivation #Motivation #TeacherLife #Education #TeachersofTikTok --- Send in a voice message: https://anchor.fm/jeremiah-short0/message Support this podcast: https://anchor.fm/jeremiah-short0/support

We often have the preconceived notion that leaders have to treat everyone the same in order to be fair. However in truth, managers need to respect everyone's individual needs and motivators.On episode #4, Cassy Aite, the co-founder and CEO of Hoppier, shares how different values, environments and involvement can influence your employees' motivation in the workplace. Cassy also discusses the importance of being genuine with your employees and how recognizing an achievement can backfire if you're not careful.Lastly, we dive into why he chooses to be transparent with his team and rallies everyone together to be on the same page.Tune in to hear all about how Cassy's leadership experiences and advice can help you improve your leadership style!

Tech and regulatory hurdles stand in the way of a fully interoperable payments environment in the U.S.  Consumers increasingly expect an interoperable — seamless and friction-free — payments ecosystem, with several banks and fintechs leading the charge through embedded data sharing and real-time payments (RTP). However, the growth in payments digitization has left many financial institutions and their customers struggling to keep up, Ginger Schmeltzer, strategic advisor at research firm Aite-Novarica, tells Bank Automation News in today's episode of “The Buzz” podcast.  “Most of us who have worked at banks have lived this: legacy technology,” Schmeltzer says. “The payments spaghetti infrastructure that so many banks have — with 40- and 50-year-old core systems that have been added on to and added on to as new technologies and payments come along — make it difficult to introduce new payment technologies.” Technology is only one barrier, Schmeltzer adds. Reticence from both consumers and banks to support data sharing, regulatory concerns from government entities and the hypercompetitive nature of financial services in the U.S. make true interoperability an ongoing challenge for market players.  Schmeltzer sees new technologies playing a part in increasing interoperability in the United States.  “The growth of application programming interfaces (APIs) over the last five or six years has made a huge difference in the ability for various players to work together,” Schmeltzer tells BAN. “QR codes have really jumped up in visibility during the pandemic, as people are looking for contactless ways to interact. That is really helping to drive more interoperability in a lot of areas.” Listen as Schmeltzer explains what interoperability means for payments systems and explores how financial institutions can move towards facilitating the environment.  

"Pora Kaip Tvora" #08 su Mantu Katleriu, Aiste Kabašinskaite, Irena Starošaite ir Žilvinu Žvaguliu! www.youtube.com/negyvaseteris www.instagram.com/negyvaseteris www.patreon.com/veltiepatys

jQuery(document).ready(function(){ cab.clickify(); }); Original Podcast with clickable words https://tinyurl.com/yxgfv9vk Booster: a priority for pregnant women. Teanndáileog: tús áite do mhná atá ag iompar clainne. A booster dose of the Covid-19 vaccine is to be offered to everyone in the State aged sixteen and over. Táthar le teanndáileog den vacsaín in aghaidh covid 19 a thairiscint do gach duine sa Stát atá sé bliana déag agus os a chionn. This decision was made on the basis of advice from the National Advisory Committee on Immunization, Health Minister Stephen Donnelly said. Is de réir comhairle ón gCoiste Comhairleach Náisiúnta um Imdhíonadh a rinneadh an cinneadh seo, a dúirt an tAire Sláinte Stephen Donnelly. The Minister indicated that the Chief Medical Officer Dr Tony Holohan has also accepted the recommendation. Thug an tAire le fios go bhfuil glactha ag an bPríomhoifigeach Leighis an Dr Tony Holohan leis an moladh freisin. Pregnant women will be given priority, according to the council. Tabharfar tús áite do mhná atá ag iompar clainne, de réir na comhairle. After that, the booster will be provided in descending order of age, that is, 40 to 49 and 16 to 39. Ina ndiaidh siúd, is in ord íslitheach de réir aoise a chuirfear an teanndáileog ar fáil, mar atá, 40 go 49 agus 16 go 39. One of the mRNA vaccines - Pfizer or Moderna - will be the most widely used. Ceann de na vacsaíní mRNA - Pfizer nó Moderna - is mó a bheas i gceist. It is recommended that people be given a booster dose of the mRNA vaccine five months after the second dose. Moltar teanndáileog den vacsaín mRNA a thabhairt do dhaoine cúig mhí tar éis an dara dáileog. The Janssen vaccine is shorter. Achar níos gairide atá i gceist le vacsaín Janssen. A booster of this vaccine can be given to people three months after the last dose. Is féidir teanndáileog den vacsaín sin a thabhairt do dhaoine trí mhí tar éis na dáileoige deireanaí. People who have had Covid-19 have to wait six months after contracting the disease to get a booster. Maidir le daoine a raibh covid 19 orthu, ní mór dóibhsean fanacht sé mhí ó tholg siad an galar le teanndáileog a fháil. The Health Service Executive also announced today that next month, around 140,000 vaccines will be shipped to Ireland for distribution to children aged five to eleven. Chuir Feidhmeannacht na Seirbhíse Sláinte in iúl inniu chomh maith go mbeidh timpeall 140,000 vacsaín á seoladh go hÉirinn an mhí seo chugainn le cur ar fáil do pháistí idir cúig bliana agus aon bhliain déag.

Spaudos apžvalga.Kalbos rytas.Poetė Ramutė Skučaitė mini 90-mties metų jubiliejų. Mariaus Eidukonio pokalbis.Lietuvos nacionaliniame muziejuje atidaroma didžiausia tarptautinė medalio meno paroda Baltijos šalyse – XI Baltijos medalių trienalė.Į Lietuvą iš Dubajaus sugrįžo „Vilnius City Opera“. Pokalbis su Dalia Ibelhauptaite.Monikos Gimbutaitės parengta kino apžvalga.Laidos ĮGARSINTAS VAIZDAS ištrauka.Ved. Karolina Bieliauskaitė

The Fourth episode of Digital Tells: A BioCatch Podcast dives into the phenomenon of online money mules. What is a mule? How does one become a mule? Why do or why should financial institutions care about mule activity? And what can be done to detect mules?We open with commentary from Julie Conroy, Head of Risk Insights and Advisory at Aite-Novarica Group. Julie discusses the role of money mules inside criminal organizations and introduces some different mule back-stories. Digital Tells' host Peter Beardmore digs deeper into 5 mule personas. BioCatch's Raj Dasgupta explains the regulatory and reputational risks that mules represent to financial institutions. And John Paul Blaho, Senior Director of Product Marketing, shares a look at how behavioral biometrics can enhance mule account detection.TranscriptPeter BeardmoreAre you a mule? So, the title of this episode is admittedly a bit preposterous. If you're listening to this podcast, it's doubtful you're a money mule (or a drug mule, or an actual mule for that matter). But the point I'm attempting to make with this title is that there are different kinds of mules out there ~ ranging from the completely complicit (let's just call them criminals) to the vulnerable / gullible victims of scam activities that we've discussed in previous episodes. The FBI defines a money mule as Ok, that makes sense, right… I mean if you're going to make money scamming people, stealing, selling drugs, human trafficking ~ that money's got to get someplace where you can eventually retrieve it, right? ~ ideally below the radar of authorities ~ or even better ~ laundered sufficiently so the proceeds can be spent or invested without drawing the attention of law enforcement. In episode 2 Tom O'Malley walked us through all the specialized functions in a cyber criminal syndicate that the U.S. government prosecuted a few years back. Remember there were malware developers, crypters, spammers, bulletproof hosters, account take over specialists - and then there were these cash-out specialists. These were the people who ran the money mules - they had these networks of accounts where money could be moved quite quickly - beyond the reach of the direct victims, their financial institutions, investigators, and authorities. On this episode of Digital Tells - A BioCatch Podcast - we're taking a look at the mules themselves. What is a mule? How does one become a mule? Why do or why should financial institutions care about mule activity? And what can be done to detect mules?Act 1Julie Conroy is the head of risk insights and advisory for Aite-Novarica Group. She advises financial institutions, vendors, and merchants about risks relating to fraud and financial crime ~ strategies and tactics to mitigate those risks ~ and what that all means for customer experiences.I spoke with Julie recently about how financial institutions are struggling with mule accounts, and I asked her specifically about the spectrum of mule personas that I mentioned earlier.Julie ConroyYou have this organization of functions in financial crime, just as we do on the side of the good. And so you do have some people that are specifically leveraging stolen identities, synthetic identities to open up your accounts with the express purpose of exiting these funds. You also have folks that have been brought over on visas, and they're using their identities for a period of time to open up accounts. And then after those accounts have been used to serve their muling purpose for a while, they go back to their country and there's no consequences, really. Somewhere in the middle, you have people that respond to the make money in your sleep signs. They know ultimately that this isn't quite right, but they are still using their own identities in order to help facilitate the mewling. And then at the other end of things, you have people that truly have been duped by romance scams or other things into opening up these accounts, facilitating the sending of funds and truly don't know that what they're doing is facilitating financial crime.Peter BeardmoreAt BioCatch, we've actually developed personas to help us bring some clarity to the spectrum of mules – from the more complicit to less complicit – we'll share a link in the shownotes.OK, so let's briefly discuss these personas:There's The Deceiver – who opens an account specifically to perpetrate fraud – The deceiver is obviously the most complicit on the spectrum.Then there's The Peddler – who sells their genuine bank account to a criminalThere's The Accomplice – a willing participant who's chasing an “easy money” opportunity.There's The Chump – who executed a transaction believing the money is clean – this is your prototypical scam victim.And then finally there's The Victim – a victim of credential theft, unaware that there's even been a break-in – The Victim obviously the less complicit persona.As I started to research these personas, a couple things struck me.First – with the exception of The Deceiver – the most complicit, and The Victim – the least complicit – the others – The Peddler, The Accomplice, The Chump, – they're all kind of Sad, right? I mean, these aren't societies winners… people basking in their own success? ‘living the dream' so to speak? More likely – they're desperate – They've fallen for easy money or get rich quick schemes – or romance schemes – and they're either desperate enough to knowingly sell their own identity and accounts – or desperate enough to live with the ambiguity that they may have involved themselves in a criminal enterprise – or their just gullible – I mean, if you're gullible enough to execute a transaction for a stranger on the internet - believing nothing is wrong – could that possibly be the only time someone has taken advantage or exploited you? I'm reminded of that Clint Eastwood character in his movie The Mule that came out a few years ago. This very old man, clearly he'd made a slew of bad decisions in his life, and realizing in his final years that he was destitute – his home was foreclosed - and he's alone / his family had lost faith in him and his x-wife (with plenty of justification) was rubbing his nose in his failures – but with just a glimmer of hope for redemption with his family and friends - he made a naïve decision to earn some money – and then around the time he realizes what he's doing and who he's involved with – the draw of all that money takes over – and the bad decisions just spiral. And then the second thing that struck me, when I thought about the actual online behavior of money mules. Well, there are elements of the account take over problem we discussed in episode 2 – there's some of the Account Origination and identity theft issues we discussed in episode 3 – and the scams we explored in episode 4 are pretty thick here too. So as complex as the mules themselves are, so too will be connecting the dots through a continuum of online activity. What are the digital Tells of mules?Well, before we get to that, there's another important question we need to ask. Act 2You may recall meeting Raj Dasgupta in an earlier episode. He's director of fraud strategy at BioCatch. I asked Raj – Do Banks even care about mule accounts? And if so, why?Raj DasguptaThe banks do care and they're required to care because of regulation. So if there is money laundering activity going on within their account base, they're responsible for it because by law, they're required to look into suspicious activity and report that activity and take action. If they're not there, then inadvertently playing a role in money laundering and money laundering can be used to fund a variety of fraudulent activity, criminal activity, including terrorism. So there is a very strong responsibility on the part of the banks to make sure that money laundering is not happening within their account base. It's against the law. And if they are not following the law, there can be heavy penalties and fines levied on them. And then, of course, there's a reputational issue. If you are known to not pay attention to mule activity going on and it's all bringing you a lot of negative press, you wouldn't want that. But that's on the softer side and the hard side. If you've not followed the law, there will be real dollar value impact in terms of fines and fees.Peter BeardmoreSo there's regulation and reputation. And those are good reasons – reasons that have been around for a while. But as Julie Conroy explains – there are market dynamics at play that have accelerated the urgency for financial institutions to focus on mules. Here's Julie:Julie ConroyIt was something that we at Aite group had been seeing building even prior to 2020, as you have faster payments spreading across countries across the globe. And so, as we've seen faster payments hitting large markets like the US and Canada, even in 2019, we were seeing a greater emphasis on desire to invest in mule detection technology in those countries. Then you bring 2020 and add a massive global pandemic and the hundreds of billions worth of stimulus that were pumped into ecosystems around the world and the fraudsters quickly responded. And what we saw was as you were stealing hundreds of billions of dollars from things like unemployment claims from small business loan programs, you need a very robust new network to exit those funds from the system. And so we have a couple of bodies of research that just showed market increases in mule activity during the pandemic and carrying into 2021. And with that, you know, that only further emphasized the importance from a financial institution perspective to start building. More robust controls to detect this activity, both because many believe that there is a moral obligation to be stopping this financial crime.Peter BeardmoreThis stimulus fraud that Julie mentioned is a phenomenon that BioCatch has seen up close. It serves to reason that if you're going to massively defraud the government of program money from the U.S. Payment Protection Program or enhanced unemployment benefits – you'll need a place to send that money – a mule account. Back in June, as covid-related unemployment rates were slowly declining, the state of Virginia reported a 58% spike in unemployment applications in a single week! Not coincidently, BioCatch simultaneously saw a correlation in our data. There was a spike in high-risk applications for new deposit accounts originating from Virginia at the very same time. A spike in fraud – A spike in mule activity.You won't need to look too far to find news stories of stimulus fraud from the past year ~ and it's like that some of that accounting (or reconning) is only just beginning ~ so aside from the regulatory and reputational reasons for caring about mule activity that Raj cited – there's a wave of activity that has financial institutions searching for answers.Act3So what are they to do? What technologies are financial institutions relying on to detect and route out mule activity? Here's Julie Conroy again.Julie ConroyYou know, I've seen institutions just start with some simple rule deployment and looking for, you know, patterns of behavior that in the first 90 days and an account like we didn't see much activity, there were no direct deposits. And then all of a sudden on day 93, we see $10000 come in and ninety nine hundred dollars go out. Very just basic things like that. It's a good starting point. And then as you progress along that spectrum, there are great indicative behavioral solutions like BioCatch that can examine the behavior of the account and compare it to the way that normal people interact with the account. Also, seeing that, you know, typically it's not just a mule that is logging into their account. You also have a mule herder who is managing multiple mules, and they will also periodically be logging into the account to make sure that these mules are doing what they're supposed to be doing. So recognizing not only that second person periodically logging into the account, but then also bringing the intelligence that second person is logging into 20 other accounts at this institution, that type of behavioral analysis. Can be really powerful.Peter BeardmoreSo there's a lot there from Julie ~ but her key point here is yes, the rather binary rules financial institutions have traditionally used for monitoring account activity are a good place to start. But mules, while they may open and typically use their mule accounts on their own, those same accounts – are often controlled by complex and sophisticated organizations – either directly or indirectly. And those differences in behavior – may include some of the Digital Tells that behavioral biometrics can use to identify mule activity!And well, that's something BioCatch has been taking a hard look at – working with our customers and data scientists – and the good news is – there's something there.I recently spoke with JP Blaho, he's senior director of product marketing at BioCatch, and I tried to get him to spill the beans on any upcoming BioCatch announcement. Here's JP.JP BlahoSo, Peter, we've been talking about mule attacks and mule fraud for well over a year now. Due to the coronavirus we've seen a significant increase in this type of activity, and we've been working with some of our partner banks for this last year to identify where these are happening and how we can identify them using behavioral biometrics faster. And with these handful of financial institutions, we've refined the solution to a point that we are going to launch formally the general availability of of mule money or money mule detection solution in November. So we are already engaging with our customers around the solution, showing them how we can prevent this. But we'll do more of a formal announcement to new customers, net new opportunities and to the analyst community next month.Peter BeardmoreSo, JP ~ let's fast forward a bit. I want to zero in on what mule detection actually means for the bank and for the customer. What happens when those digital tells start to alert?JP BlahoYou know, in many of those instances, I think the bank identifies that account before the individual realizes that it's happening. And in many of those instances, the account gets frozen and until that consumer tries to perform a transaction, realizes that they don't have access to the account is when they have to coordinate and work with the bank to have that account reopened or have it moved into a new account. So there's a lot of pain associated with that too to the victim, you know, not just for the fact that they're part of a criminal transaction, but now they most likely have to move their account to a different within a new account number, et cetera. But also their money is frozen until they can prove that they're not part of the problem or they were not actively part of the problem. So that's a really good point.Peter BeardmoreBack to my point earlier about the topic of mules. This is a game of very few winners. But I think we have an obligation to apply the science of behavioral biometrics to help financial institutions identify mule accounts – to help them manage compliance and liability risk, to interrupt cybercriminal networks when possible - and help those who may have unwittingly found themselves in the middle of something really bad – to at least confront the truth. Digital Tells is written and narrated by me Peter Beardmore, in partnership with my producer Doug Stevens of Creative Audio and Music, and with the unwavering support and sponsorship of my employer, BioCatch.Special thanks to Julie Conroy, Raj Dasgupta, and JP Blaho. I mentioned those Mule Personas that BioCatch has identified earlier in the episode – you can find a link in the shownotes to take a closer look. For more information about this episode, behavioral biometrics, or to share a comment or idea, visit biocatch.com/podcast.Join us for episode 6, in which we'll take a look behind the scenes at biocatch – how the sausage gets made, so to speak, and some special insights on transforming fraud management to fuel digital business. Until then, take care.

Hoppier, began in 2016 as a platform to provide healthy snacks to workplaces across North America but recently Hoppier reinvented its business model to account for unexpected changes in consumer behaviour brought on by COVID-19. In this episode Hoppier CEO, Cassy Aite, joins the podcast to chat about how his business was able to adapt during these unprecedented times.

Kas yra prekariatas ir kuo jis skiriasi nuo anksčiau vartotos proletariato sąvokos? Kaip ši sąvoka gali padėti suprasti mūsų politinį ir socialinį gyvenimą? Su kokiomis pažeidžiamumo ir nesaugumo formomis susiduria šiuolaikiniai žmonės? Kaip kinta laiko, užimtumo, tėvystės ir šeimos supratimas? Kokią įtaką prekariatui daro globalizacija ir nacionalinė politika? Ar technologijų pažanga gali palengvinti prekariato gyvenimą? Kaip socialiai pažeidžiamų žmonių likimą keičia COVID-19 pandemija? Apie tai diskutuojame su sociologe, Vytauto Didžiojo universiteto doktorante Ieva Dryžaite.Ved. Simas Čelutka

This is the intro to our podcast! Tune in and listen to all of the details behind our podcast and be sure to listen to our future episodes!

The Aite Group's Christine Barry on what commercial banks should look for when adding cash management technology and how lenders can better cross-sell cash management and treasury services. 

This week on the put bro on podcast we start off talking about AJ old rap career and bless you guys with some old school bars from his rap days. He also give you a lil history about his old rap group. After that in “Aite so boom” AJ tells a story of son confused freshmen catching him in their puppy love triangle. In entertainment we dive in the groupie queens of the last few generations. In sports we talk about the only relief we have as Atlanta sports fan in the braves. In put bro Ant put AJ on to Among Us and AJ Talks about if Michael Jackson’s Change the world music was in 2020.Social Media:Aj’s IG @AlgirlsloveALAnt’s IG @SouthernhudAnd out podcast page on all social media @PutBroONPodcastPut Bro ON on YouTube Intro song: Put me on - B.o.B.

PUT BRO ON PODCAST. Today the brothers dive into their top five albums, Aite so boom we hear about Kanye West waking up AJ, and Anthony being scared of a bug. Then we dive into the Tyrod Taylor lung punctured by team doctor situation. Put bro on we talk about Will Smith passing’s the role of Django because he felt it wasn’t the top character. And 2k buying up a whole bunch of games and how they are trying to take over the video game world including the golf video game, that no one wants to play..Also check out YouTube page, where we will post clips from each segment and if you just want to see them fine ass Hudson boys!!!!Aj’s IG @AlgirlsloveALAnt’s IG @SouthernhudAnd out podcast page on all social media @PutBroONPodcast

**Arrest #JonathanMattingly, #MylesCosgrove, & #BrettHankison.The murderers of #BreonnaTaylor. We're typing this on every post until it happens!**It's been some time. After one of our co-hosts of @_pausenplay suffered the loss of a family member, we decided to take a breather. But now we're back. And today's episode - we wanna know who your faves are when it comes to music! So who you got for the 70s? What about the 80s? Aite, and the 90s? But what about the [20]10s? As you reminisce and groove with us, we'll also drop some facts on the music industry and Enjoy!We love us . . !Instagram:Pause N Play: @_pausenplayJus/Brodi: @afrodigenaChara: @chageethegemLinktreelinktr.ee/AfroDigena90New Jack Swing: https://www.billboard.com/articles/news/6258728/jimmy-jam-janet-jackson-rhythm-nation-1814Correction: Boyz II Men was first to receive "Best R&B Album of the Year" in 1994, the 37th Annual Grammy Awards, with TLC to receive it the following year. https://www.grammy.com/grammys/awards/winners-nominees/206

Aite! The fellas @iamrobhollywood and @jdeauxthagroove had enough of the coronavirus... now it's time to laugh through the pain! Tune in as they discuss why coronavirus is not going anywhere and why people wont STAY HOME. Then the fellas discuss the beautiful black women in power in this country... oh and Lori Lightfoot! Follow us on IG @chickenandwhiskeypodcast Visit our website at www.chickenandwhiskeypodcast.com

We're Back! On This Week's Episode: - Lamar Jackson Passes Mick Vick - Burrow for Heisman - Running the "Red Light"? - How to Get Out the "Friend Zone" - Messing with Someone Your Friend Used to be Involved With? Follow Us on Instagram to Keep up with us and the Latest: Aaquil: @aaquil_annoor China: @finestchina_ Deon: @itsprimetime21 Drae: @drae_linton Joe: @_josecinco Josh: @__joshalston

Welcome to episode 3 of the Christmas podcast (0:00). The Shop is back open? (5:00). Nostalgia in the streaming age (12:15). Who wants to be a civil rights activist? (19:00). Harriet talk (23:03). Burning Cane (34:30). Holiday movie seasons (46:00). Parasite is really put here (54:00). Honey Boy (1:00:30). Rob - ‘Klaus’ - Netflix Sankara - ‘Parasite’ and ‘Honey Boy’ in theaters now and ‘Let it Snow’ - Netflix Christine - ‘Frances Ha’ - In theaters now

PODCAST #312 The World’s Digital Bank (Aired 11/7) Brett King hosts Alissa Knight, author of #Hacking Connected Cars, and the Senior #CyberSecurity Analyst for Aite group. Then, we’re joined by Henry Ma, CIO and Co-Founder of #WeBank, the largest challenger bank in the world, talking their path to nearly 180 million customers and how they've worked to reinvent #FinancialInclusion in #China.

The grass might actually be greener on the other side. All my co-parents, might be co-parents and should be co-parents - this is for you.

Securing your mobile app, vulnerabilities in APIs, and finding the right security partners

Securing your mobile app, vulnerabilities in APIs, and finding the right security partners

Securing your mobile app, vulnerabilities in APIs, and finding the right security partners

Someone once told me the grass was much greener, on the other side.

CEO and Co-founder of, Hoppier (formerly DeskNibbles) joins me to talk about rebranding, his time in Germany, growing the company, and his focus as a leader. Useful Links Hoppier: https://www.hoppier.com/ Unpaid Advertisements Heap Analytics: https://heap.io/ LogRocket: https://logrocket.com/ If you have any questions, comments, or concerns, you can reach Casey at casey.li@gmail.com or tweet @caseyli23. Visit our website at www.caseyli.com/podcast.

The New Payday Lending Alternative: Employer Based Lending Benny Yiu, HoneyBee Safwan Shah, PayActiv Jon Schlossberg, Even Doug Farry, Employee Loan Solutions, LLC Moderator: Leslie Parrish, Aite Group

On this episode Mike and Moe first get into Russell Westbrook interactions with fans and league handing down lifetime bans. They then debate top 5 black sitcoms all-time. Next they give their thoughts on one of the biggest college scandals all-time and then reminisce about high school hustles. All this and more. Always remember...

Aite so boom, EP 9!!! Today we got our mans/creative Elie on the show who waxed the whole bag of green grapes. We talk how he got into photography, shooting for Black Panther(& if Michael B Jordan is really that brolic) touring with The Weeknd, The Mandela Effect & Trey's confident he can knock out a bear. Oh and Elie speaks French *bomb drop x2* ★ Don't forget to rate and review Random Order on iTunes. ★ More Random Order YouTube • goo.gl/4aJ6R4 Instagram • goo.gl/qv3Fyz New episodes Mondays at 12PM ET Instagram.com/Elie Instagram.com/RandomOrderShow Instagram.com/JaeRichards Instagram.com/TreyRichards Instagram.com/Sabastianxx

Today’s episode is about proving people wrong . Other people opinions don’t determine your ability. --- Support this podcast: https://anchor.fm/heartworks/support

On E28 of Let's Grab Coffee, I sit down with Cassy Aite - CEO & Co-Founder of Desk Nibbles, the easiest way for offices to order snacks, beverages and more. Desk Nibbles is based in Ottawa and in a span of 2 years grew to 20+ employees and $1M in sales! Desk Nibbles was always incubated in Ryerson's DMZ and has been mostly bootstrapped - raising $362,500 (debt financing & angel capital) to expand into the U.S. Cassy talks about his experience growing Desk Nibbles with his brother Emil Aite and the ups & downs that come with running an startup. An episode for all early-stage founders, and aspiring entrepreneurs. Visit: https://www.desknibbles.com/ Connect with Cassy: https://www.linkedin.com/in/cassyaite/ --- Support this podcast: https://anchor.fm/georges-khalife/support

This week on Episode 301, James is off and I take a one on one conversation with Julie Conroy from Aite group on the topic of global fraud. It's a fascinating conversation that winds through the fringes and often unexplored corners of enterprise security. Check it out, and special thanks to Julie for taking the time out of her busy schedule.   Highlights from this week's show include... A brief glimpse into the impact of enterprise security on global fraud Julie talks through identity, and how enterprise security can positively impact fraud Account takeovers - the thing we all fear but struggle to solve Balancing security and usability, convenience Guest Julie Conroy - ( https://www.linkedin.com/in/julie-conroy-6997/ ): Julie is an experienced product management executive with a proven track record of revenue growth and innovation.

Hoy hablaremos sobre las experiencias del reciente Viaje a Japón 2018 .¿Qué sensaciones se han tenido en el viaje?, ¿Con que maestros se estudió Aikido?, ¿Cómo fueron las clases?Algunas frases de Anno Sensei en las clases:Cuando Tori y Aite se armonizan en un movimiento continuo es cuando surge la verdadera belleza del Aikido.Si cambias de pensamiento, cambiarás de sentimiento, si cambias de sentimiento, tu Aikido expresará el verdadero a Amor y Paz que significa el Budo del Aikido.Todo esto lo podréis escuchar en el episodio de hoy…Dirige: Diego Espinosa / Chema PoloMás información: dojocam.com

Hoy hablaremos sobre las experiencias del reciente Viaje a Japón 2018 .¿Qué sensaciones se han tenido en el viaje?, ¿Con que maestros se estudió Aikido?, ¿Cómo fueron las clases?Algunas frases de Anno Sensei en las clases:Cuando Tori y Aite se armonizan en un movimiento continuo es cuando surge la verdadera belleza del Aikido.Si cambias de pensamiento, cambiarás de sentimiento, si cambias de sentimiento, tu Aikido expresará el verdadero a Amor y Paz que significa el Budo del Aikido.Todo esto lo podréis escuchar en el episodio de hoy…Dirige: Diego Espinosa / Chema PoloMás información: dojocam.com

It was such a slap, we had to run it back! INTERPOLATIONS 2! A mix of songs that replays/re-records elements from an older song and then makes a new song out of it. For the sequel, we got DJ ANT-ONE on the 1s and 2s, guiding us through some songs that are real dead ringers... Aite! Let's get familiar! Hosted by JBOO, MISO, ANT-ONE & RUBY RED-I.

Intelectualmente entendemos muchas cosas, pero necesitamos la experiencia y las sensaciones para después llegar a un comprendimiento más profundo de las mismas.¿Qué quiere decir que el Aikido se aprende a través de la piel?, ¿Qué importancia tiene Aite para Tori?, ¿Qué niveles de percepción hay? , ¿Qué quiere decir que hay que escuchar la técnica?Más información: https://dojocam.comDirige: Diego Espinosa / Chema Polo

Intelectualmente entendemos muchas cosas, pero necesitamos la experiencia y las sensaciones para después llegar a un comprendimiento más profundo de las mismas.¿Qué quiere decir que el Aikido se aprende a través de la piel?, ¿Qué importancia tiene Aite para Tori?, ¿Qué niveles de percepción hay? , ¿Qué quiere decir que hay que escuchar la técnica?Más información: https://dojocam.comDirige: Diego Espinosa / Chema Polo

DOMINIC & TAYLOR WORK OUT THE KINKS OF THEIR NEW PODCAST, AND TALK A BUNCH OF NONSENSE THAT YOU DONT CARE ABOUT BUT THE SHIT FUNNY SO YOU LISTEN. AITE, TWO TWOS MY YUTE DEUCESSSS.

Diet fads have always been a part of pop-culture: They all promised weight loss and natural energy boosts, but do any of these really work?  Today we’re talking about a few of the most popular ones. The Cabbage Soup diet promised 10 pounds weightloss in just one week, and Atkins swore up and down that you could eat as much fatty meat and cheeses, but none of them were permanent solutions.  Even juicing or eating an all-paleolithic/gluten-free diet can wreak havoc on your body. There are two things to take from today's episode: Diets are sometimes too good to be trueListen to Fadtabulous! On next weeks' episode we'll be shakin' a tailfeather, doin' a little dance...and perhaps even a little Macarena (Aite!

En el capítulo de hoy hablaremos de Uke o Aite - el atacante o compañero en Aikido.Hoy hablaremos sobre la suavidad del cuerpo, los Ukemis o caidas. ¿A que nos referimos con el trabajo de la sinceridad?, en la práctica ¿nos tiran o nos caemos?.Todo esto lo podremos escuchar a continuación...- Diego Espinosa Sensei - 6º dan Aikikai y Dojo-Cho del Centro Aikido Mallorca.- Chema Polo - Profesor del Centro Aikido Mallorca.Más Información: dojocam.com

En el capítulo de hoy hablaremos de Uke o Aite - el atacante o compañero en Aikido.Hoy hablaremos sobre la suavidad del cuerpo, los Ukemis o caidas. ¿A que nos referimos con el trabajo de la sinceridad?, en la práctica ¿nos tiran o nos caemos?.Todo esto lo podremos escuchar a continuación...- Diego Espinosa Sensei - 6º dan Aikikai y Dojo-Cho del Centro Aikido Mallorca.- Chema Polo - Profesor del Centro Aikido Mallorca.Más Información: dojocam.com

If you listen to NPR, you’ll sometimes hear a recording artist, someone like Lyle Lovett, referred to as “an artist’s artist”. Meaning, an artist that other people of the same craft can appreciate and love. Our guest on this episode of the Tradestreaming Podcast is an analyst’s analyst. Ron Shevlin is the Director of Research at Cornerstone Advisors, a consulting firm to the banking and credit union industries, where he specializes in retail banking issues including sales and marketing technologies, customer and marketing analytics, social media, customer experience and consumer behavior. He was previously at Aite and Forrester covering the financial services space. In this episode, we discuss whether financial services is truly becoming uberized and dive deeper into Ron’s vision for the future of financial services which he describes as the industry’s migration from product providers to a platform or ecosystem of financial services much like Amazon’s platform for ecommerce.

Daily #Podcast: Today, Alibaba shatters records, Apple in talks with US banks for P2P mobile money transfers, China opening doors for foreign payment networks, Aite’s new report about P2P payments in the US, Microsoft is allowing access to Ethereum for Bitcoin and blockchain and Brian Roemmele’s new Pay Finder app.

Today we're going to give you some background on Spectrum and ACI's relationship with Spectrum. We're going to talk a little bit about the market insight on how mobile alerting affects consumer relationships with their banks and issuers. We're going to cover some practical applications of ACI mobile alerting with the various ACI solutions, and we're going to cover off some real world examples of how global institutions have successfully deployed the solutions and some results related. At the end we'll spend some time for some Q&A. So, first up, I wanted to spend a moment to talk a little bit about Spectrum Message Services. Specializing in flow-driven financial and telecom traffic, they are a technology company that offers several solutions including MoneyGuard SMS and Mobile payments platform, their Technocall IVR and Call Centre solution, and Floware SOA business process management solution. ACI mobile alerting solution is powered by their MoneyGuard solution. Spectrum has been around for ten years. They originally started in Hungary in 1993, and now also have offices in Australia. The relationship between Spectrum and ACI dates back to 1999 when Spectrum first integrated its MoneyGuard mobile alerting solution on the Base24 payments platform at OTP Bank in Hungary. We then also started working with them on our payments risk management solution, Proactive Risk Manager, in 2006 at that same entity. In 2008 we entered a formal partnership with them in the Amir region, and then expanded that to include offerings in the Americas and Asia Pacific as well. I'm going to move on to a little bit of market information related to mobile alerting from a fraud and consumer service perspective. Last year, ACI embarked on a third global card fraud study. We surveyed 5,200 consumers in 17 countries around the world. We teamed with U.S.-based analyst research firm, AITE, to interpret and report on the findings, and publish a formal report. The result is a comprehensive picture of consumer attitudes and experiences with credit, debit, and other forms of card fraud. We conducted the survey last year to help our banking and retail clients better understand what consumers think about fraud, their experiences with fraud, and to help them understand the impact fraud has on existing and future relationships with the financial institutions. So, the survey includes some key findings. 27% experienced card fraud in the last five years, so just a little more than one in four experiencing card fraud. 82% said that they were very interested in being notified prior to the bank taking action. But we'll get into that a little bit more in the next couple of slides. 74% prefer that no additional transactions are posted until they respond to a fraud alert, and 21% of cardholders said that they would leave their institution after experiencing fraud. So, if you kind of look at that at a high level what does that mean? Fraud is being experienced by many of your customers. The majority of them want to be informed and want real-time action to be taken based on their instructions, and 20% of the customer base could leave as a result of fraud. So that's not an insignificant number. As we look at some of the credit card fraud rates by country, you'll see the 17 countries that were included in the survey broken out here. The U.S. and Mexico lead the way and have been the unfortunate benefactors of fraud, as we are the last back end to roll out EMV and still employing the signature versus more secure PIN verification methodology. But even in some of the EMV countries like the UK, almost a third of consumers surveyed experienced some form of credit card fraud in the past five years. As you can see, also on the other end of the spectrum, Holland enjoys very low card rates at less than 10% as do Germany and Sweden hovering right around the same area. When we look at the debit card fraud rates by country, the rates are a little bit lower in general. That's largely influenced by the nature of PIN transactions associated with a debit card.

Aite and ACI discuss the impact of mobile on the needs of consumers and the marketing of retail financial services. The Future of Mobile Banking is a topic on everyone's radar, regardless of the size of your institution or where you're are with your global strategy. An interesting element of mobile is the changing and evolving needs of the consumer and the technological information that addresses those needs.   ACI Worldwide software powers electronic transactions for financial institutions, processors and retailers around the world - all the time, without fail. Mobile Banking and Payments solutions

ACI and Aite discuss how current global and regional smartphone use is predicting the future shape of the mobile economy.   Mobile is one of the hottest areas in the payments and banking industry today. Despite the fact that we see mobility everywhere, we felt that there was not a lot of data on our mobile customers. Across the industry, there is an inconsistent understanding of these consumers; what they are doing, what they look like in different countries, how they prefer to shop or transact, and how they shape the future of banking and payments over the next 5 years. Within this podcast we discuss the results of our global study and what the implications are within the payments and banking industry.   ACI Worldwide software powers electronic transactions for financial institutions, processors and retailers around the world - all the time, without fail. Mobile Banking and Payments solution

ACI and Aite share results of a global study and convey consumer attitudes towards payment fraud, its affect on customer retention, and working with banks to fight fraud.  The survey was conducted to help our customers better understand how their consumers are impacted by fraud and how those consumers are responding to this ever-changing threat. Speakers include Mike Braatz; Senior Vice President and Product Line Manager at ACI Worldwide. Mike is responsible for the product strategy roadmap and delivery of ACI Payments Fraud product line, which includes Proactive Risk Manager and ACI Case Manager. Shirley Insco is a senior analyst with IK Group, covering fraud, data security, anti-money laundering and compliance issues.   ACI Worldwide software powers electronic transactions for financial institutions, processors and retailers around the world - all the time, without fail.   ACI Proactive Risk Manager product page

Aite and ACI discuss the basic requirements for a card issuing platform in the 21st century and discuss the the value added and revenue generation capabilities that are needed to grow an issuing business. This episode consider some of the IT infrastructure dilemmas faced by payment insures and banks in general, the frustrations they have with the current payment hub systems, and the likelihood of them purchasing new software solutions rather than building systems in-house.     ACI Worldwide software powers electronic transactions for financial institutions, processors and retailers around the world - all the time, without fail. ACI Issuer product page