Podcasts about Barclaycard

How is adland going to change this year?To get listeners ready for the year ahead, Campaign's editorial team give a taste of adland's predictions for the next 12 months, including which resolutions to give up and which take on in 2025.Tech editor Lucy Shelley hosts the episode alongside editor Maisie McCabe, culture and creativity editor Alessandra Scotto di Santolo and deputy media editor Shauna Lewis.After revealing their personal resolutions for the year, the team asks adland to give up cheesy collaborations for 2025 as well as the dream of certainty. McCabe hopes that brands might reconsider where they put their media spend and questions if "be bolder" is a good enough resolution.Campaign will be releasing more Year Ahead content and agencies to watch over the coming weeks.Further reading:The Year Ahead 2025: Media ownersEight media agencies to watch in 2025Snog, marry, avoid: what kind of year was 2024?Was 2024 the year of AI?Will media buyers be the first victims of AI?Barclaycard series was a credit to advertisingComing up in the Campaign calendar:Year Ahead Breakfast Briefing, 14 JanuaryMedia Week Live, 29 January Hosted on Acast. See acast.com/privacy for more information.

Today, I'm joined by Aaron Bowie, a seasoned WordPress developer based in Aberdeen, Scotland. He's here to talk about his WooCommerce payment gateway plugins, emphasising customer-centric development and the advantages of traditional payment gateways like Barclaycard over Stripe and PayPal. Key topics include PCI compliance, cost considerations, and the complexity of integrating payment solutions. Aaron stresses the importance of seamless onboarding, transparent support, and cost-saving benefits of direct bank connections. He also compares fees and security measures, highlighting the unique offerings of various providers. The overall focus is on providing tailored, reliable payment solutions for e-commerce businesses. Have a listen...

Boe Hartman is the co-founder and CTO of Nomi Health, a company dedicated to rebuilding the U.S. healthcare system. With nearly 30 years of global experience in technology and banking, Bo has held key roles at industry giants like Capital One, Barclays, and Goldman Sachs. At Goldman Sachs, he served as co-CIO and CTO of Consumer Technology, where he led the development of their credit card offering from the ground up and oversaw technology hiring. Prior to that, as CIO at Barclaycard, Boe managed the global technology infrastructure supporting billions of financial transactions. In this conversation, we discuss:The pivotal role of technology, data, and AI in transforming healthcare economics and accessibility for millions of Americans.The future of healthcare, including AI-driven advancements in payment integrity, patient care, and predictive analytics for better decision-making.Boe Hartman's transition from leading tech initiatives at Goldman Sachs to co-founding Nomi Health and tackling inefficiencies in the U.S. healthcare system.The evolution of Nomi Health during the pandemic, including the rapid development of scalable, digital-first healthcare solutions.How Nomi Health leveraged real-time analytics and innovative testing approaches to address the challenges of COVID-19 across 15 states.The systemic inefficiencies in the U.S. healthcare system and how Nomi's approach aims to save a trillion dollars while improving patient outcomes.ResourcesSubscribe to the AI & The Future of Work NewsletterConnect with BoeAI fun fact articleEpisode on LLMs and the future of co-pilots for content generation 

Whatever happened to funny ads?Have clients stopped buying them?Or have agencies stopped writing them?They used to dominate the ad breaks.Humour was the first tool you reached for after being handed a brief.Why? Well, as that Poppins women says ‘A spoonful of sugar makes the medicine go down'.Actually…did they dominate ad breaks?Maybe I've slipped on my rose-tinted specs again?I reach for an old D&AD Annual.Randomly, I pick up 1991's.34 tv and cinema ads featured; 28 were funny.Of the 28, the most awarded were for Barclaycard and Red Rock Cider.They feel slightly odd today.They aren't ‘advertising funny', they're actually funny.In a way that I can't imagine them popping up between Bake Off?I don't know whether it's because they don't take the product very seriously? Some even make fun of it. (Imagine; making fun of the very people who pay the bills?)Or maybe getting bigger laughs than the programmes that surround you feels like bad form?Like you have aspirations above your station.I decided to do a bit of rudimentary desk research, discovering that humour is still surprisingly popular.The public love it, apparently.Much preferring it to being lectured to or bullshitted.So why the lack of funny ads?Even ad testing companies are urging us to produce more.(Yes System 1, I'm talking about you.)In an effort to better understand this humour thing, I went straight to the Chairman of the Board, the Grand Fromage, the Capo di Tutti Frutti – John Lloyd.Not only did he shoot both the campaigns above, he'd spent two decades beforehand producing the funniest stuff on tv, including Not The Nine O'clock News, Blackadder and Spitting Image.We had a lovely chat, hope you enjoy it.

Welcome back! Whilst we pride ourselves on being candid, this episode we get a little more serious as we are discussing boycotts and art washing. We're gonna focus on the boycott of SXSW (sponsored by the US Army) and Barclaycard sponsored events such as The Great Escape, Lattitude and other Live Nation/Festival Republic festivals. Many artists scheduled to play The Great Escape boycotted the festival in solidarity with Palestine, however Irish trio Kneecap didn't. Alfie and Fionnán discuss Kneecap's reasons to not boycott the festival and why they instead pointed the finger at the company behind the sponsorship, Live Nation. Whilst on the subject of Live Nation, CMAT was among artists and performers who publicly announced that they won't be playing their planned sets at Latitude because of their sponser, Barlcaycard. This episode the lads try to answer the question, do boycotts work? It's good news as this year artists have proven that they have power to make positive change. But does it come at a cost? Hosted on Acast. See acast.com/privacy for more information.

It's been 5 years since Call to Action® captured our first of what's now over 140 heroes and allies from the industry front lines to have a chin-wag with. To celebrate, we're rereleasing a choice cut of our favourite episodes as part of a ‘Best Of' series.  In 2021, baited by a Bedouin birthing blanket, we caught big thinker and bestselling author, Paul Feldwick.  The man behind one of our favourite all time ad campaigns, Paul worked at the legendary agency BMP on some of Britain's most famous brands for over 30 years. Paul talks to us on tonnes of topics, including BMP, being the world's worst account manager, clowns, talking to real people, what brands can learn from Snow White, Jeremy Bullmore, PT Barnum, fame, shame, purpose, Mrs Brown's Boys, whether ads need to be "liked", Martin Boase, and a whole lot more.  ///// Check out his website  Follow Paul on LinkedIn We implore you to read both of his fabulous books:   Why Does the Pedlar Sing?  Anatomy of Humbug  And here's that famous Barclaycard ad with Rowan Atkinson  Timestamps (01:58) - Quick fire questions (07:20) - Paul's early career and transition to account planning (11:24) - Importance of entertaining advertising (17:29) - Discussion on fame in advertising (24:35) - The history of advertising and its impact on creativity (29:33) - The moral implications of advertising and the need for entertaining content (35:32) - Question on creative thinking in advertising and overcoming shame for fame (41:36) - Balancing likability and fame in advertising campaigns (47:07) - Pertinent posers  Paul's book recommendations are:  How Brands Grow by Byron Sharp  Building Distinctive Brand Assets by Jenni Romaniuk  /////

A senior MP has told Money Box that the government must take urgent action to stop carers working up thousands of pounds of debt after unwittingly receiving overpayments of Carer's Allowance. Unpaid carers, who look after a loved one full time, are entitled to nearly £82 per week in Carer's Allowance. On top of that they can earn up to £151 take home pay. But stray above that earnings limit, even by just a few pence, and they lose the full allowance. The Department for Work and Pensions is alerted on a month by month basis when this happens, but in some cases carers were not told of their mistake for years. Labour MP Stephen Timms, Chair of the Work and Pensions Select Committee says it should never have taken so long for carers to be notified. The UK's biggest credit card provider, Barclaycard, is cutting minimum payments on its card to 1% from July. It is not the only credit card provider to allow 1% minimum payments, and Barclaycard says it's made the changes to increase flexibility for customers. We look at what it means in practice for customers, in terms of how much more you'll ultimately pay in interest and how long it'll take to pay off the debt. And we return to the subject of ISAs - Individual Savings Accounts. New changes this month should mean that customers can open multiple ISAs of the same type in the same tax year, and make partial transfers of funds between them. Money Box has learnt that many of the biggest ISA providers in the UK are not yet offering customers these new freedoms, why?Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Sandra Hardial and Jo Krasner Studio Producer: Craig Henderson Editor: Beatrice Pickup(first broadcast on Saturday 27th April 2024)

In this #DataTalk episode, Keith Little, MD Analytics, Decisioning and Platforms at Experian Software Solutions, unveils the game-changing enhancements to Experian's Ascend Technology Platform™. Keith discusses how client feedback has shaped a solution that streamlines operations, automates processes, and strengthens fraud detection in today's fast-paced business landscape. Join us to discover how Ascend empowers businesses with seamless integration, personalized experiences, and top-notch security measures, setting a new standard for success. Keith Little is a seasoned technology executive with a global purview, currently spearheading Experian's Ascend Technology Platform and Decisioning suite (Powercurve) software products. He began his tenure at Experian in November 2022 with the role of Chief Technology Officer for Global Decision Analytics (GDA) and subsequently expanding his responsibilities to encompass the Decisioning products during the transition to Experian Software Solutions (ESS). Before joining Experian, Keith held various high-profile positions, including Chief Information Officer at Barclays, where he oversaw the Barclaycard credit business, Payments businesses, and Fraud technologies. Prior to that, he was involved in a startup leveraging artificial intelligence for online behavioral advertising. Keith's illustrious career also includes roles at BT, the BBC, and as a founder and non-executive director of www.worldgallery.co.uk. He holds a Bachelor's degree in Computer Science and a Postgraduate degree in Image and Video Compression from Kingston University. Additionally, he spent nine years as a non-executive director at Kings College London, demonstrating his commitment to both academia and industry advancement.

I​ u​sed to like Tesla​s, I nearly bought one.​N​ot any more.Obviously it's ​still a great product​, but it's an Elon Musk company.And his purchase of Twitter, ​and subsequent flooding of my feed with his ​thoughts has put me off him.​​I choose not to give my money to a multi billionaire who whines everyday about how unfair the world is.I want best product for the least amount of money, but who I buy it from counts too.If I like the company I​'ll give the benefit of the doubt, if I don't, I'll swerve them.I suspect I'm not alone.But most creative work is judged as if it's being consumed by a cyborg, only logic and facts, as if 1% more of this or 3% less of that will win the day.Rarely factoring in what people may think of the company.I guess it gets you talking about brand advertising and that's indulgent and squishy isn't it?Not like hard sell – that makes the money, doesn't it?Paul Feldwick gives a different view in his excellent book ‘Why Does The Peddlar Sing?'.And unlike most books written by people about themselves……it's unvarnished.It focuses on the famous Barclaycard campaign; from the first pitch to the last ad.If you'd have asked him why the campaign was successful back then, he'd have pointed to the key messages, like the free travel insurance.Now, he he has a different view ‘Rowan Atkinson​. People liked him and that rubbed off on Barclaycard.'And the messaging underpinning the ads? ‘Well, an ad has to have a message, otherwise it just feels a bit weird?'I​ really enjoyed chatting with Paul, hope you enjoy it too.P.s. The peddlar sings to attract and enchant people, it increases sales.

In this week's episode Damien provides some technical analysis on the FTSE 100 and the GBP/USD exchange rate, explaining where both might head next and how you can carry out your own research for free. Damien also talks about a major credit card provider's change to the minimum payments on its credit cards, including the potential impact it could have on your debt and what you can do to avoid it. Finally, Andy explains why it might be worth considering a number of smaller mobile phone providers over the big four mobile networks.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision.   You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.   Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.   Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Resources: Links referred to in the podcast: Check out the podcast article to view the FTSE and GBP vs USD images See the climate projects that Money to the Masses is currently supporting Barclaycard to cut minimum payment on all credit cards Best credit cards in the UK Best and worst mobile phone providers - Which? research Compare the best mobile phone providers for roaming abroad Sign up for the Money to the Masses newsletter Join the MTTM Community group

This week on the podcast Martin has a warning for all those who have a Barclaycard. After a recent rise in broadband and mobile bills for some customers, Martin shares some key tips on how to bring those costs back down. You tell us about your ovreseas bargains plus extra tips you won't have heard on the live show.

In the latest episode of the pod Andy is talking to our new Deputy Editor Amelia Murray about the stories from the last week that most affect your money, including: Smaller-than-expected fall in inflation Both BT and EE raise their prices Fake stamps - the cost to innocent victims Barclaycard cuts minimum payments Huge shortfall in retirement savings One in 5 first time buyers is over 40 Delay repay reaches record levels For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. The podcast was "Show of the Week" in the Radio Times, and it has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money.  Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL   twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

Lex chats with Jerome Le Luel, founder and CEO of TRIVER -  a London-based startup that uses open banking data and AI to provide short-term working capital to SMEs. To kick off, Jerome discusses the application of AI in fintech lending for small businesses. He explains that traditional banks have struggled to automate lending decisions for SMEs due to regulatory constraints and manual underwriting processes. However, with the emergence of open banking and the ability to access transaction-level data, fintech companies like TRIVER can use data science to automate underwriting decisions and provide instant capital to small businesses. TRIVER's platform allows SMEs to apply for short-term financing in a few clicks, using bank data and credit bureau information to make lending decisions. The capital comes from a combination of equity and debt raised by TRIVER, and the company is also exploring partnerships with non-financial institutions to embed its technology and offer instant capital to their SME clients.  MENTIONED IN THE CONVERSATION TRIVER's Website: https://bit.ly/3OiT1RNJerome's LinkedIn profile: https://bit.ly/3ubNWUz Topics: Fintech, lending, SME, SME finance, Open Banking, Underwriting, API Companies: TRIVER, Funding Circle, Barclays, Barclaycard, Capital One ABOUT THE FINTECH BLUEPRINT 

This week our very special guest is John Lloyd, much admir'd comedy producer and writer, whose credits range from The News Quiz and Quote Unquote on the radio, to Not The Nine O'Clock News, Blackadder, Spitting Image and much much more. At the height of his career he could boast of more BAFTAs than Dame Judi Dench yet so much success took its toll and John freely admits to having suffered a form of mid-life crisis in his forties. Having spent most of the nineties directing highly-acclaimed commercials (such as the Barclaycard series with Rowan Atkinson, later reimagined as Johnny English), John bounced back to mainstream television light entertainment with a show originally conceived as 'The Homework Helper' but which hit our screens in 2003 as QI, hosted by Stephen Fry. John talks about his career and the few brief occasions he worked with Spike Milligan, plus the time he had a crush on Anna Ford, The Spitting Image Golden Brain hunt, writing Dr Snuggles with Douglas Adams, the problems with Blackadder, Mel Smith on Not the Nine O'Clock News, working with Genesis, an early collaboration with Barry Cryer and more!

We've all heard the term ‘customer-centricity' amidst LinkedIn posts and the webinar invitations in our inboxes. But what does customer-centricity actually entail? And how can B2B marketers demonstrate this to both stakeholders and customers? Jodi was honoured to host Simeon Lando on this FINITE Podcast. Simeon is the CMO at FORM3, a next-level B2B fintech driving the future of the payments industry. He's had a long and successful career in marketing, formerly at titans like PayPal and Barclaycard, to fast-paced fintechs like Refinitiv and Finastra. Learn how Simeon approaches his marketing with customer-centricity, and emphasises the importance of research and relationships, with the success stories to prove it. Support the show

In the latest episode of the pod I'm talking about:  In the latest episode of the pod I'm talking about: Christmas post and delivery deadlines  Last minute transport premiums Food for the holidays Save on festive TV & film streaming deals Best Barclaycard Deals of the week For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. The podcast was "Show of the Week" in the Radio Times, and it has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money.  Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL   twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence   

The future is in Andreas, Wayne's gas bill situation, Charles Guard on the Douglas sea wall, Housing Association questions, losing Barclaycard & our lack of national ambition. It's Mannin Line with Andy Wint #iom #manninline #manxradio

Alison Hutchinson CBE is the CEO of Pennies, an award-winning fintech charity making digital giving affordable, sustainable, and feel-good. She is also a Senior Independent Director at DFS plc, Yorkshire Building Society and Foresight Group Holdings Ltd. Alison was previously a Trustee of the Charities Aid Foundation, Non-Executive Director of Aviva Life Holdings UK and AIL (General & Health Insurance), subsidiary boards of Aviva Group plc, LV=, and of LMAX Exchange. In 2016, she was awarded a CBE for services to the economy and charities.   Prior to creating Pennies, Alison was CEO of Kensington Group plc, a role she took over as CEO of the specialist lender in March 2007. Alison led the turnaround of Kensington as the “credit crunch” took its grip globally leaving the financial markets with the worst liquidity crisis ever experienced. Key experiences include: the sale and delisting of Kensington Group to Investec plc, diversification of the funding model and a complete integration programme with Investec plc including a significant downsizing of the business. She joined Kensington in October 2004 as Managing Director to diversify the business into broader product segments and channels. Kensington moved into the FTSE250 after only 5 years of being in the market and was the first lender to win the Queens Award for innovation in recognition of the sustained growth and value they contributed to the specialist lending market.   Previously she was at Barclays, where she was Marketing & Communications Director for Barclaycard.  Other roles have included Chief Executive Officer of Barclays B2B, the Business Services subsidiary of Barclays Corporate Banking, as well as various global senior executive roles at IBM Corporation where she worked for 14 years working across the globe, running a European consortium of banks, and latterly leading the global business for ecommerce solutions for the financial services sector. She passionately believes in customer service and ensuring executives spend time in the business and at the coalface where the business really delivers.   Alison was educated at Strathclyde University where she graduated at 19 with a BSc in Technology and Business Studies.  She is married with three children and loves fresh air, exercise, and quality time with her family.

Sabine VdL talks to Pravina Ladva, Group Chief Digital and Technology Officer at Swiss Re. Pravina's career reads like a playbook for digital transformation and has answers that could redefine the way we look at insurance economics. This conversation is not just timely, it's urgently needed in a world where data is the new oil and AI is the new electricity. Pravina tells us about why Swiss Re is taking the lead with its groundbreaking Sigma Research Report from the Swiss Re Institute, what are we – as an industry – standing to gain or lose, uncovering the blueprints for the future of insurance, digital risk, and how technology could either be the ladder or the snake in this high-stakes game of digital transformation. KEY TAKEAWAYS          Today you can't turn a corner without talking about AI, tech and data. This means there's a huge amount of opportunity that's been untapped. There are a whole load of new business models that we haven't even dreamed of yet.  Digitisation is taking the analogue world and putting it into a digital system so that it can be transmitted around the world both in terms of data and conversation in a digital context as opposed to a paper context. Digitalisation is how you take that information and apply it to your business processes. Many organisations deal with some kind of legacy technology, you need to be aware of you digital environment and work within that as well as what are the opportunities to change it and where some of it is OK, because not all legacy is bad.  BEST MOMENTS ‘If you type digitisation and digitalisation the come up together on autocorrect, it shows we really have a mixed view on what they both are and mean.'‘Every one of my peers that I speak to are all facing the same challenge: There is a war for talent because we all want the same kind of people to come and do similar kinds of things.'‘No organisation on its own can achieve what it wants to achieve, you need to be very open minded about who you're partnering with, whether that's InsurTechs, large global service providers, whoever it is in the end-to-end ecosystem to really bring the value in the right way.'‘It's not about your core technology, it's about what you do with it and how you operate it that makes a difference.' ABOUT THE GUEST Pravina Ladva started her career at Abbey National/Santander, gaining experience in the financial technology sector, with responsibility for various areas from strategy to delivery and financial results. She joined Barclaycard in 2008 and held various roles including COO Digital Marketplace and CIO Barclaycard Business Solutions. During this time, she led B2B and B2B2C technology and change teams, as well as the build and launch of a digital marketplace platform in the UK. Pravina Ladva joined Swiss Re in 2017 as Chief Technology and Operations Officer for iptiQ, Swiss Re's digital white-label provider of property & casualty and life & health insurance, and in July 2020 assumed the role of Swiss Re Group Digital Transformation Officer. Pravina Ladva was appointed Group Chief Digital & Technology Officer and member of the Group Executive Committee as of 1January 2022. LinkedIn https://www.swissre.com/ ABOUT THE HOSTSabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew, a venture lab that accelerates the curation, validation, and commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers and accelerating over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner.  Twitter: SabineVdLLinkedIn: Sabine VanderLindenInstagram: sabinevdLofficialFacebook: SabineVdLOfficialTikTok: sabinevdlofficialEmail: podcast@sabinevdl.comWebsite: www.sabinevdl.comThis show was brought to you by Progressive Media

In this episode of B2B Marketing: The Provocative Truth, Benedict sits down with Simeon Lando to discuss the unique challenges of emerging into new foreign markets.If your business is fortunate enough to expand internationally, there are a handful of new considerations for marketers to take on. It is not just as simple as dropping an existing proposition into a new market, and that (lack of) strategy, if implemented, often goes awry. Marketers need to adapt their messaging and approach when entering new markets around the world, but what other considerations need to be thought about? How can marketing take ownership of this element of a business's growth?Simeon Lando is the CMO at FORM3, and throughout his career, he has built and implemented strategies that deliver results both in the UK and internationally. Before joining FORM3 in 2021, Simeon has previously served as Senior Director, Marketing at Finastra, Marketing Director at Refinitiv, and Head of Digital Engagement, Global Business Solutions at Barclaycard. He has also worked at Stylesight, PayPal, Dun & Bradstreet, and more.You can find Simeon Lando on Linkedin.You can watch full video versions of the podcast on our YouTube channel.Ready to provoke the truth? Get in touch at alan-agency.com. Hosted on Acast. See acast.com/privacy for more information.

Rob Straathof, CEO of Liberis - Embedded Finance and Small Business Lending Trevor Prince sits down with Rob Straathof, CEO of Liberis, an embedded finance platform that partners with companies like Klarna, Barclaycard, and Worldpay to empower small businesses with funding solutions. Through analysis of data on its partners' platforms, Liberis provides small businesses with pre-approved funding offers and streamlined access to capital. To date, Liberis has funded over 50,000 businesses with more than £1 billion in funding. In this episode, Rob discusses his path from an aspiring astronaut to leading a global FinTech company, Liberis' platform relative to traditional lenders, as well as business funding options and their impact on small businesses. He also discusses his experience and perspective on working with regulators in financial services, GenAI's applications in business, and much more. About Rob Straathof: Rob has served as the CEO of Liberis for over 8 years. Prior to Liberis, he led Corporate Development at Wonga.com and worked in Tech and FinTech M&A at JP Morgan. Rob's career journey began early on in his family's delicatessen and catering business in the Netherlands. Rob is passionate about creating value and impact for small businesses and their communities. He earned a Master of Science in Economics from Erasmus University Rotterdam, and enjoys flying as an instrument-rated private pilot.

It is a privilege to welcome recording artist and performer Le Fil to The Jake's Take with Jacob Elyachar Podcast. Le Fil is a British-Chinese LGBTQ+ multidisciplinary pop artist and performer's shows are described as ‘pop gigs with extras,' combining pop music concerts, part-live art, and fashion installations. Alongside his music, Le Fil is known for his unique androgynous style and has been featured in several leading style productions, such as British Vogue, The Face Magazine, and Hunger TV. He has also appeared in many campaigns and projects for luxury global brands, including Amazon, Attitude Magazine, Barclaycard, British Airways, Diet Coke, ITV, and Unilever. He is a vocal LGBTQ+ rights activist and ending Asian discrimination. Focusing on bringing his perspectives to the mainstream, Le Fil has collaborated with many global brands and clients to spread his vision for equality, diversity, and creativity. He worked with Sink the Pink to create legendary club parties and spaces for the LGBTQ+ community and performed his way across club dance floors to world stages, even joining Melanie C on a world tour. Jake Shears, Jessie Ware, Little Mix, P!nk, and Years and Years have all invited him to join their music videos or stage shows. With a unique perception of the world, Le Fil's approach to creativity and art is a valid philosophy. Every piece of his output is considered and conceptual work of art, making him one of today's most exciting rising stars. Always finding new ways of seeing, he challenges our everyday expectations of gender and genre, giving the world a fresh and innovative vision that will transform our imaginations. In this edition of The Jake's Take with Jacob Elyachar Podcast, Le Fil spoke out about his experience competing on RuPaul's Drag Race UK: Season Four, touring with Melanie C, and shared the stories behind some of his songs, including his new single: “Splash Zone.”

My Duvet Flip with Young Jack ft. Phoebe Barter, Group, Brand Director, AvivaJoin me as I engage in a thought-provoking discussion with Phoebe, where we explore her most significant moments of making mistakes and the valuable lessons they gained from them. Phoebe joined Aviva in January 2022 as the Group Brand Director at Aviva, and is responsible for Aviva's brand, brand advertising and sponsorship. Before joining Aviva, Phoebe was at Barclays for eight years as Group Brand Director, responsible for the Barclays and Barclaycard brands. Prior to Barclays, Phoebe spent ten years at American Express in a succession of brand, marketing and strategy roles, in her native Sydney, Australia; in New York and in London.A special thank you goes to Aviva, EY and Totaljobs (Part of The Stepstone Group) for their support in making this conversation possible in season 3. Stay tuned for more inspiring content and insightful discussions on my channel.Learn how to solve your financial puzzles with Avivahttps://bit.ly/3NHWmddCareers at EY for studentshttps://bit.ly/3JtKklkJobs on Totaljobs https://bit.ly/448vbyd#MyDuvetFlip #CareerAdvice #InspiringConversations #Season3 #Aviva #EY #Totaljobs

The effects of weak pay bargaining power are starting to catch up with developed economy consumers. Real spending is tending to be negative. The UK British Retail Consortium survey of retail sales and Barclaycard credit card data showed falling real consumer spending. High food prices meant money had to switch to food retailers—profit-led inflation can move profits from sectors of the economy with weaker pricing power to those that can get away with margin expansion.

Kicking off season 4 of Digital Transformation & Leadership, Danny Levy talks to Monica Millares who works at BigPay, as Principal, Product. She moved to Malaysia as part of BigPay's founding team to help launch and grow what is now one of the fastest growing NeoBanks in South East Asia with 1.37 million transacting users. Monica is a product leader and women advocate who has spent the last decade building great product in the FinTech space. She believes in Financial Safety for all, and that the future of FinTech is to make FinTech more human. Prior to BigPay, Monica steadily progressed from junior analyst in big brands like Visa and Barclaycard, to being one of the first joiners in UK Challenger, Tandem Bank. She helped build the digital bank from scratch and worked with Tandem's CEO on strategic initiatives and Board management. Monica sits on the Board of PayEd - Education in Payments, and is recognized as Singapore's #Fintech65 Product Leaders and Women in FinTech. She is also a Podcaster and hosts "Purpose Driven FinTech" podcast, writes the "Innovating FinTech" newsletter, and mentors young professionals. In the episode Monica shares insights at her role at BigPay and how this aligns with the topic of the episode, her views on the growing financial stress that we all find ourselves under, how this impacts quality of life and mental health, insights on underbanked and unbanked, and what role FinTech has to play in all of this. She also shares her top career/life lesson and advice to listeners just starting out in the industry.

Carsten Höltkemeyer hat vor Kurzem einen der prominentesten Jobs der Berliner Fintech-Szene übernommen. Seit einigen Monaten ist er neuer CEO des Banking-Startups Solaris. Er kennt die Finanzbranche gut: Lange Jahre leitete er das Deutschlandgeschäft von Barclaycard. Solaris, das zu den deutschen Unicorns zählt und Bankpartner von Fintechs wie Vivid und Bison ist, befindet sich in einer entscheidenden Phase: Das Startup ist ins Visier der Finanzaufsicht geraten. Gleichzeitig muss dem Manager der Weg zur Profitabilität gelingen. Was hat er vor? Darum geht es im Gespräch mit dem Finanz-Szene-Redakteur Christian Kirchner auf der Finance-Forward-Konferenz.

In this episode of Deciphered, Adam Davis, Associate Partner at Bain & Company, is joined by Karim Ahmad, Partner, Bain & Company, Kelly Devine, President, UK & Ireland, Mastercard, and Colin O'Flaherty, Head of SME for Barclaycard Payments, to discuss the future of retail transactions.Retail payments is both a rich and growing industry, with Bain & Company estimating the total revenue value at $356 billion dollars, with a projected annual growth of 6% over the next 5 years. But the balance of power between traditional and new entrants in this area of finance is slowly shifting. In this hotly contested market, some 90% of today's revenue pool could migrate to software vendors, major technology firms, and other contenders.How will the retail transaction market evolve over the next 10 years?Timestamps: - (03:14) Consumer to business payments - what is the future of retail transactions?- (05:53) Which providers/industry players have been driving the change in banks' monopoly vs reacting to the change in & how do you see that evolving in the market short term?- (10:07) Which trends interest you from the perspective of your role at Mastercard?- (13:27) Within the SMB segment, how important are virtually integrated platforms, do you see the same proliferation in the UK/Europe as in the US, and where do you see those trends fitting into the SMB context?- (16:45) Card growth and looking towards alternative payment methods for growth.- (22:26) Potential innovations that relate to card volumes and the rise of A to A payments.- (26:09) Embedded payments, the proliferation of wallets and connected devices - (27:51) How do Barclaycard build confidence in supplying payments to organisations where the end users are unknown?- (33:18) Are investments in sales, marketing, and brand increasing to positively impact customer trust?- (39:13) Open banking  Please subscribe to the show so you never miss an episode, and leave us a review if you enjoy the show!You can find Adam Davis hereYou can find Karim Ahmad hereYou can find Kelly Devine hereYou can find Colin O'Flaherty hereFor even more information, check out Bain's latest report – Consumer-to-Business Payments: A Strong Growth Outlook, but Only for the Well-Prepared.For more insights from the Deciphered podcast, visit the page on Bain's website

Here in Episode 113 of the No Name Music Cast, it is Joy's turn to pick the topic and she chooses to talk about her 2022 Spotify Wrapped!We go into depth what music Joy was enjoying last year on the pop-ular music streaming platform. We cover U2, Prince and Donna Summer to name only a few.We also talk about Barclaycard, Space Travel and Duo Lingo!https://www.facebook.com/NoNameMusicCast/

On Wednesdays we go into one topic in depth and today it was public finances. Roy Clinton joined Jonathan Scott in the Radio Gibraltar studios. Mr Clinton is the GSD's shadow minister with responsibility for finance and value for money.He took questions from listeners on Government borrowing, the new stadium project, and more - including: not making “pie in the sky promises” at the forthcoming general election.And, as Barclaycard confirmed it will stop offering accounts to those who don't live in the UK, Mr Clinton told Gibraltar Today it leaves a gap in the market with a lack of alternative providers for credit cards. But he said it will be difficult to attract new banking players to the Rock. Thanks for listening to the Gibraltar Today podcast. Hosted on Acast. See acast.com/privacy for more information.

Kingsley of BENEFITS joins me before their new album NAILS comes out 21 April - touching on the lack of infrastructure of the North East, Sleaford Mods, famous fans on Twitter, being actually quite shy and nervous, sweating from one armpit, being the number one in call centres for Barclaycard for giving back late payment fees, making plastic charms, being a bin man, art security. seeing areas of crippling poverty & some more. Use '101POD' at checkout for £20 off, FREE MONEY: https://www.twothousandtreesfestival.co.uk/ Songs: BENEFITS 'Warhorse', Cock Sparrer ‘Working' Learn more about your ad choices. Visit megaphone.fm/adchoices

One thing we always remember from our childhood is our favourite teddy bear. This soft, ragged toy was our comfort and companion. As we grow up, we normally give up our childish ways, and our furry friend often ends up in storage or at a jumble sale. But that's not the case for everyone.我们从小就永远记得的一件事是我们最喜欢的泰迪熊。这个柔软、破烂的玩具是我们的安慰和伴侣。随着我们的成长，我们通常会放弃幼稚的方式，而我们毛茸茸的朋友通常会被存放在仓库或杂货店。但并非所有人都如此。It seems that some grown-ups continue to need their cuddly toy by their sides. One sleep survey suggested a tenth of people in the UK need a teddy bear in bed. And for some adults, soft toys remain an essential presence ­– they take them wherever they go.似乎一些成年人仍然需要他们身边的可爱玩具。一项睡眠调查表明，十分之一的英国人需要在床上养一只泰迪熊。对于一些成年人来说，毛绒玩具仍然是必不可少的存在——无论他们走到哪里，他们都会带着它们。A cuddly toy can come in many forms – animals, strange shapes or just a piece of stuffed material. But it's the teddy bear in particular that seems to have an enduring appeal – it gives us a nostalgic feeling and a reminder of our younger days. Writing for the BBC, historian David Cannadine says, “Perhaps it's that bears represent the happy security of a childhood friend who never changes or lets you down.” For whatever reason, teddies appeal to both children and adults of all ages.毛茸茸的玩具可以有多种形式——动物、奇怪的形状或只是一块填充材料。但尤其是泰迪熊似乎具有持久的吸引力——它给我们一种怀旧的感觉，让我们想起我们年轻的日子。历史学家大卫·卡纳丁 (David Cannadine) 为 BBC 撰文说：“也许熊代表了童年朋友的快乐安全感，他们永远不会改变或让您失望。”无论出于何种原因，泰迪熊对所有年龄段的儿童和成人都具有吸引力。The teddy bear is much celebrated these days, and they've become something that we don't just grow up with – people buy them as adults too. There are shops which sell only teddy bears, there are teddy bear museums in many countries, and teddy bear festivals regularly take place around the world.泰迪熊现在非常受欢迎，它们已经成为我们长大的东西——人们也会在成人时购买它们。有些商店只卖泰迪熊，许多国家都有泰迪熊博物馆，世界各地定期举办泰迪熊节。While our soft toys offer us a kind of comfort blanket, some experts say it's nothing to be ashamed of. It's sometimes good to let go of the constraints of adult life and be a big kid again. And research commissioned by Barclaycard in the UK found 44% of adults have purchased playthings they enjoyed as children because they bring back happy memories. Colouring books, cuddly toys and board games were top of the list. So, if you're still keeping your teddy a secret, don't worry – you're not alone!虽然我们的毛绒玩具为我们提供了一种舒适的毯子，但一些专家表示这没什么好羞耻的。放开成年生活的束缚，重新成为一个大孩子，有时是件好事。英国 Barclaycard 委托进行的研究发现，44% 的成年人购买了他们小时候喜欢的玩具，因为它们能唤起快乐的回忆。涂色书、可爱的玩具和棋盘游戏位居榜首。所以，如果你仍然对你的泰迪熊保密，别担心——你并不孤单！词汇表childhood 童年teddy bear 泰迪熊ragged 用旧、磨损的，破烂的comfort 宽慰，慰藉companion 伙伴，同伴childish 孩子般的，幼稚的furry 毛茸茸的grown-up 大人cuddly toy 毛绒玩具stuffed 填满的，有填充物的enduring appeal 经久不衰的吸引力nostalgic 怀旧的security 安全保障celebrated 有名的，闻名的soft toy 毛绒玩具comfort blanket （给婴儿、孩子用的）安心毯，这里比喻精神安慰big kid 大小孩，大孩子plaything 玩具，玩物colouring book 填色书board game （尤指棋盘类）桌上游戏

Sky's business presenter, Ian King sits down with Barclaycard's head of payments to discuss one of the busiest shopping periods of the year. He'll also find out more about low carbon building practices which has attracted billions in venture capital funding this year. And Primark's going to be investing millions of pounds into its UK stores.

It's that time of the week again… Time for a brand-spanking new episode of The Chris Moyles Show On Radio X Podcast! How great is that!? The start of this week was on ‘fire' as we had Serge Pizzorno on the show to announce the upcoming Radio X Presents Kasabian with Barclaycard at the O2 Academy Sheffield! Not only that, we had 80s legend Martin Kemp chit chatting about his golden era of music and gave us an insight into a crazy night out he had with Michael Jackson. Jungle fever is still running strong in the studio as ‘Our Chris' had quite the honker, only receiving one 1 star during his trial this week. Sean Ryder and Vernon Kay (our I'm a Celeb guru) also popped by to give their two cents on jungle life. If that wasn't enough, we also had Todd, a Champion Sausage thrower, teaching us all how to properly toss a sausage (the pork variety of course)! Also this week: Commuting Pigeons Dom's dodgy computer virus An advent calendar debate

Sarah Brown, CEO and founder of Pai Skincare, a high-performance organic skincare brand talks with Angela about using natural plant chemicals to bring great results Sarah, an early pioneer of certified organic skincare for sensitive skin also discusses why peptides work and how stress affects the skin of any age along with the action you can take to make positive change What you put on your skin makes a huge difference and Sarah discusses the ingredients that make a difference and what to look out for in natural organic products if you want them to positively impact skin KEY TAKEAWAYS We formulate with beautiful ingredients, harnessing the properties of nature in a deeply scientific process You can get extraordinary performance from natural ingredients Most skin conditions will stay it's about the way they are managed but you can be in control and make informed and conscious choices Stress can be the cause of skin issues at any age Bathing daily with oatmeal, and submerging the skin, is one of the best single steps you can take to improve inflamed and irritated skin If you react to vitamin C it's unlikely to be the vitamin C, it's more likely to be elements such as the delivery agent and concentrations Your skin is a barrier and any water-soluble ingredient cannot penetrate the skin Good skin health is all about cleansing, it all starts with cleansing People with acne can have dehydrated skin and the solution is to introduce the right oil to the face Peptides send a message to your skin to produce collagen Mist before the oil is the perfect way to layer and trap moisture Our actives are versatile and you can add them to other products Carbon star, used at night, absorbs impurities in the skin with black cumin seeds the hero element    BEST MOMENTS ‘Feeling that you can take charge is very powerful' ‘People's skin can misbehave because it's imbalanced' ‘Get into a good habit with cleansing and its transformative' ‘Products can be high performance, natural and organic'   RESOURCES FOR THIS EPISODE https://www.ewg.org/ Use code - HPH10 at checkout for a 10% discount with paiskincare.com Pai Skincare Instagram Sarah Pai Skincare Instagram    Limited Offer: Claim Your 2-Week Free Trial to The Female Biohacker Collective https://www.angelafosteracademy.com/female-biohacker-collective-live-founders-offer - angelafoster.me/fbc   VALUABLE RESOURCES High-Performance Health Podcast Series -https://angelafosterperformance.com/podcasts/ Biohack Your Way to Your Best Self - Join My Exclusive Female Biohacker Collective – angelafosteracademy.com/female-biohacker-collective-enrol Get a free health check and personalised report www.yourtotalhealthcheck.com Watch my Free Masterclass on how to master your metabolism -www.angelafosteracademy.com/master-your-metabolism Download my free Guide to Harmonising Your Hormones -www.angelafosterperformance.com/hormones Download my  free Fasting Guide - www.angelafosterperformance.com/fasting/ Download my free Guide to Sleep Like a Boss -www.angelafosterperformance.com/sleep Join my free Facebook Community -www.facebook.com/groups/femalebiohacker Get my bestselling book Rethink Health - https://amzn.to/3vbzYOV     ABOUT THE GUEST Sarah Brown, CEO of Pai Skincare Sarah Brown, founder and CEO of Pai Skincare is an organic skincare pioneer whose expertise developing all-natural, efficacious products was born from her own experience living with challenging skin. Sarah developed Chronic Urticaria in her mid-twenties and started mixing her own formulations from her garage as a last-ditch solution for her hyper-reactive skin.   Pai launched in 2007 at a time when the organic category was under-developed and clean beauty wasn't yet a thing. Sarah was one of the early champions of certified organic, responsibly cultivated ingredients, passionately believing in their therapeutic properties when many around her didn't. Pai continues to formulate, manufacture and distribute all products from its own custom built facility in West London.   This development process is owned end to end, giving the company creative freedom, full visibility of the supply chain and vigilance over production processes. Sarah believes this due diligence leads to unique, ownable formulations that are of a higher quality. In 2015, Sarah won ‘First Woman in Manufacturing' at the CBI First Women Awards in recognition of her commitment to British manufacturing.   Before Pai, Sarah was International PR Manager for E&J Gallo Wines in California, having previously managed communications for brands such as Nike and Barclaycard. In 2015 Sarah was appointed to the Board of CEW (Cosmetic Executive Women), a leading beauty industry trade group and won their Achiever Award the same year. Sarah was promoted to the CEW's Executive Board in 2018. She has appeared as a business commentator on BBC News, Newsnight, Sky News, CNBC and in The Daily Telegraph, Guardian and Financial Times. Pai won a Queens Award for Enterprise (Export) in 2016. Sarah lives in West London with her husband and two sons.    ABOUT THE HOST Angela Foster Angela is a Nutritionist, Health, and Performance Coach. She is also the Founder and CEO of My DNA Edge, an Exclusive Private Membership Site giving individuals the tools and bio hacks needed to optimise their genetic expression for optimal health and performance. After recovering from a serious illness in 2014, Angela left the world of Corporate Law with a single mission in mind: To inspire and educate others to live an energetic, healthful, and limitless life. Angela believes that we can truly have it all and has spent the last 5 years researching the habits and routines of high performers, uncovering age-old secrets, time-honoured holistic practices, and modern science to create a blueprint for Optimal Human Performance.   CONTACT DETAILS Instagram Facebook LinkedIn                  See omnystudio.com/listener for privacy information.

5 Things You Need To Know, Today, on Tuesday 11th October 2022 5. Fitch the ratings agency, which last week downgraded its credit outlook on the UK to ‘negative' from ‘stable', citing the mini-budget - now expects UK GDP to shrink 1% in 2023, having forecast a 0.2% contraction in September. It cited "“extreme volatility" in UK financial markets and the prospect of sharply higher interest rates. (Click here to read more) 4. British consumer spending grew last month at a rate that lagged behind inflation by a long way, that underlined the risk of recession as the cost-of-living crisis rumbles on. Barclaycard said spending on its credit and debit cards rose 1.8% year-on-year in September, the weakest reading since February 2021 and far behind the annual 9.9% increase in consumer prices in August. (Click here to read more) 3. The number of care workers in England has fallen for the first time, leaving more people without the support they need. Unfilled care jobs rose by 52% in a year, the fastest rate on record, says industry body, Skills for Care. (Click here to read more) 2. People are stocking up on blankets and air fryers as they try to keep their energy bills down this winter. Other energy-efficient appliances, such as air dryers, and warm clothing have also been selling well, the British Retail Consortium (BRC) said. (Click here to read more) 1. The chancellor will need to make "big and painful" spending cuts to put the country's finances on a sustainable path, the Institute for Fiscal Studies think tank has warned. With a weaker economy and promised tax cuts, it calculates the government would have to spend £60bn a year less by 2026-27. (Click here to read more)

The Motivational Marathon Runner - In this episode of ‘Run The Business,' Ant speaks to one of the Top 10 leadership experts, speakers, and trainers in the world, Gordon Tredgold.Gordon is a leadership and development expert who spent many years building successful teams himself around the world. He's worked with Barclaycard, London Electric, TUI, and DHL to name just a few.He's also written a book of which the title, ‘Leadership - It's A Marathon Not A Sprint' is very relevant to this podcast.Gordon's an ex-rugby player, but started running when he signed up to run a marathon to raise money for charity, after a number of friends were diagnosed with cancer. Now he's got a bunch of marathons under his belt, and is training for the Valencia marathon later this year. He's a believer that we can all be doing more than we think, because we're not afraid of hard work. We're afraid of failure. All the links:Anthony Gay Twitter - https://twitter.com/anthonygayAnthony Gay LinkedIn - https://www.linkedin.com/in/gayanthony/https://gordontredgold.com/Gordon Tredgold LinkedIn - https://www.linkedin.com/in/gordontredgold/Gordon Tredgold Twitter - www.twitter.com/GordonTredgoldReel2Media Twitter-https://twitter.com/Reel2MReel2Media.com Hosted on Acast. See acast.com/privacy for more information.

Our guest for this has held executive roles at Barclays, Barclaycard, and American Express. Now, Sarah Webb is the President for UK & Europe at OFX, where she is responsible for all commercial growth in the region. She has a wealth of experience in leadership and 20 years of experience in bank payments.In this exclusive interview, we discuss imposter syndrome, how to encourage women to get into the finance sector and much more.Here's what we discussed:Did you always know you wanted to work in finance and technology? (00:54)Did you have any role models that inspired you growing up? (01:38)Do you feel like you've faced any barriers as a woman in finance? (02:37)What leadership skills have you cultivated to create your style of leadership? (08:39)Have you experienced imposter syndrome and do you feel that women are more susceptible to it? (11:52)What advice would you have for women looking for roles in finance? (14:00)What would you like to leave as your legacy in the role? (15:59)What leadership traits and characteristics do you like and dislike in people? (17:36)How can you cultivate healthy disagreement in a team? (19:41)Do you see inflation subsiding globally sooner, rather than later? (21:36)For those that don't know, what makes a currency strong? (23:45)Answer the Internet: If joy became the national currency, what kind of work would make you wealthy? (25:42)What makes a great business leader? (27:06)Be sure to subscribe to the podcast and the Business Leader YouTube channel for more interviews with some of the world's leading business figures. See acast.com/privacy for privacy and opt-out information.

Conor is joined by Paul Feldwick, author of two books, The Anatomy of Humbug and Why Does the Peddler Sing? He is a leading strategy thinker and formerly head of account planning at legendary advertising agency, BMP. In this episode, Paul delves into his distinguished career in advertising, working on some of Britain's most famous advertising campaigns including Rowan Atkinson for Barclaycard and the Sugar Puffs Honey Monster, and his firm belief that entertainment is the key to creating distinctive ads that stand out from your competitors. Hosted on Acast. See acast.com/privacy for more information.

词汇表tangible 可触摸的hard cash 现金（包括硬币和纸钞）outdated 过时的checkout 付款台groceries 杂货食品（常用复数）cashier 收银员to tally up 结算to spell 意味着（不好的后果）wearable 可穿戴的chip 芯片seamlessly 不间断地to underpin 支持、构成virtual currency 虚拟货币crash 系统瘫痪to take off 突然成功to wind back the clock / to wind the clock back 让时光倒流，回到过去barter economy 以物易物的经济制度to conjure 让人联想到（某个画面或情境）to make a comeback 再度兴起，回归文稿:How do you pay for things in a shop? Perhaps you like the tangible reliability of hard cash? 你如何在商店里买东西？也许您喜欢硬现金的有形可靠性？Maybe the financial flexibility of a credit card suits you better?也许信用卡的财务灵活性更适合您？ Or perhaps you prefer the simple convenience of a smartphone?或者，也许您更喜欢智能手机的简单便利？Whatever you use today, experts believe all these methods could soon become outdated. 无论您今天使用什么，专家认为所有这些方法很快就会过时。Instead, we will use our bodies: our eyes, our fingerprints, even our mere presence in the store. 相反，我们将使用我们的身体：我们的眼睛、我们的指纹，甚至我们在商店里的存在。In fact it's happening already. Amazon are trialling stores which have no checkouts, where technology tracks the items you've taken from the shelves and deducts the total from your account when you leave the shop.事实上，它已经在发生了。亚马逊正在试用没有结账的商店，技术会跟踪你从货架上拿走的物品，并在你离开商店时从你的账户中扣除总额。French supermarket Monoprix takes a different path: you choose your groceries and leave them with a human cashier. 法国超市 Monoprix 采取了不同的方式：您选择杂货并将其交给人工收银员。You then leave the shop while the cashier tallies up your bill, charges your account, and organises delivery to your home.然后您离开商店，收银员清点您的账单，向您的账户收费，并安排送货到您家。Amir Sajed, chief executive of Barclaycard, told the BBC that such new developments spell the end of the plastic credit card.Barclaycard 的首席执行官 Amir Sajed 告诉 BBC，这些新发展意味着塑料信用卡的终结。 Instead, wearable items such as rings, bracelets and keychains will carry chips that allow shoppers to "seamlessly shop, going between the web, an app or in store," he says.取而代之的是，戒指、手镯和钥匙链等可穿戴物品将携带芯片，让购物者能够“无缝购物，在网络、应用程序或商店之间移动”，他说。And while all the above payment methods are underpinned by accounts held in traditional currencies, let's not forget the rise of alternatives such as Litecoin.尽管上述所有支付方式都以传统货币账户为基础，但我们不要忘记莱特币等替代品的兴起。 Such virtual currencies can rise in value very quickly, but are also susceptible to crashes and threats from hackers.这种虚拟货币的价值可以很快升值，但也容易受到崩溃和黑客威胁的影响。 Who knows, perhaps something totally new will take off that changes money as we know it? 谁知道呢，也许一些全新的东西会起飞，改变我们所知道的货币？One such possibility is explored in the movie In Time. It imagines a futuristic society in which the currency is time itself, where people trade the amount of time they have left to live.电影《及时》中探讨了一种这样的可能性。它想象了一个未来社会，其中货币就是时间本身，人们在其中交易他们剩余的生活时间。Or perhaps we'd do better to wind back the clock to the simpler financial world of the barter economy.或者，也许我们最好将时间倒流到更简单的易货经济金融世界。 While the term conjures images of sacks of grain and herds of sheep being exchanged in ancient times, there are signs that bartering is making a comeback in today's world of modern technology.虽然这个词让人联想到古代一袋袋谷物和成群的羊群交换的形象，但有迹象表明，易货交易在当今的现代技术世界中正在卷土重来。 Startup Let's Barter India has developed an app which facilitates the exchange of goods, and already has around 100,000 members.Startup Let's Barter India 开发了一个促进商品交换的应用程序，并且已经拥有大约 100,000 名会员。Maybe the only thing we know for certain is that money will keep evolving.也许我们唯一确定的就是金钱会不断发展。

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's podcast Damien talks about VCT's and EIS's. He explains how they work, the risks of investing in them as well as who might consider investing in them and why.   Laura reveals the latest credit cards to hit the market including two new cards from Barclaycard. Finally, Andy provides the latest on the energy price cap increase, including something everyone should do before the 1st April 2022.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Sign up to 80-20 investor  Grow It - Week 1 Grow It - Week 2 Barclaycard launches Avios credit cards Best 0% foreign transaction fee credit cards

House prices have soared in the pandemic boom – with the average home an astonishing £44,000 more expensive at £260,000, according to Nationwide. But mortgage rates are rising, the cost of living crunch is hitting hard, and the idea of a post pandemic Roaring Twenties seems very distant right now, so is a reckoning for Britain's property market on the way. On this week's podcast, Georgie Frost, Lee Boyce and Simon Lambert dive into the housing market to look at why homes are now the most expensive they have ever been when compared to wages – and what could send them even higher or tip them into decline. The team also look at the mortgage market, where the best bargain basement fixed rate deals have long vanished and rates have been rising rapidly. But while they might be going up, mortgage rates are still very cheap and the Bank of England is weighing up loosening some lending rules, so where does that take us next. Simon also has some advice for anyone whose mortgage fix is up for renewal this year. Spoiler alert: it's to start looking into a new fixed mortgage now. And a reader question – and yes, this was a genuine one – of whether taking $1million-plus in payment for a property in the Caribbean in crypto is a good idea? And finally, credit cards are dead, it's all about buy now, pay later… or is it? There's a new Avios-earning Barclaycard out and Lee's excited. Find out why by listening to the end.

Aufreger der Woche: Cowboy und Geodis als „Dreamteam“: Umso größer das Paket, desto größer auch der Aufreger. Bonuspunkte verdient sich Fedex. +++ Sven will keine Browser-Games spielen! Neues aus Cupertino: Leak: Intels Arrow Lake soll Apple M1 schlagen +++ Apple schließt Deal mit Skydance (produziert z.B. The Adam Project für Netflix, aber auch schon Foundation für Apple) über zwei Filme pro Jahr. +++ Margrethe Vestager: Apple zahlt lieber als sich an niederländische Regeln zu halten (Buch unter anderem zum Thema Dating-Apps: Klick von Gerd Gigerenzer, Podcast-Tipp am Rande: Wild Wild Web – Der Pornhub Effekt) Hardware: AirTag am Fahrrad +++ Xiaomi Mi Portable Electric Air Compressor +++  Apps: Outbank startet Abomodell (Welche Banking-App nutzt ihr?) +++ Sebastian nutzt die Haus-App von Bunq, die Haus-App von Barclaycard, Finanzblick auf dem iPhone, MoneyMoney auf dem Mac +++ Stefan setzt ebenfalls auf Sparkasse und Revolut Streaming & Gaming: Angela Merkel – Im Lauf der Zeit (Mediathek) +++ Doku für Entdecker: Das Riesending (Arte, Mediathek), außerdem: Die Farben Chinas +++ 80er-Feeling mit Ghostbusters Legacy (u.a. iTunes Store) +++ Animations-Perle für Rollenspieler: The Legend of Vox Machina bei Amazon Prime +++ Heute neu: Vikings Valhalla bei Netflix +++ Was Wes-Anderson-Filme ausmacht

Wir verabschieden uns in die Winterpause! Deshalb markiert euch die Glocke oder folgt uns auf Instagram, um als erste zu erfahren, wann's weiter geht! Wir blicken zurück auf eine wundervolle Zeit und David erzählt Geschichten aus dem Backstage in der Barclaycard Arena mit Chris Brown. Außerdem gehts um Koks und durchtrainierte Tänzer. Paula von Schnapsidee spielt Flöte und David hat ein Weihnachtsgeschenk für euch vorbereitet. Wir hoffen, ihr seid nächstes Jahr wieder dabei, wenn es wieder heißt: "Wir waren Mal Stars!".

In episode 154 UNP founder and curator Grant Scott is in his shed considering his manifesto for photographers, the manipulation of images, when things go 'wrong' they often go 'right' and the death of stock. Plus this week photographer Rachael Wright takes on the challenge of supplying Grant with an audio file no longer than 5 minutes in length in which she answer's the question ‘What Does Photography Mean to You?' Originally from a village in Northamptonshire, Rachel Wright moved to London and worked in the music industry (mainly as a Publicist) for most of her 20s. She moved to New York and, using her contacts in music and magazines, began working as a photographer. Aside from a couple of courses at the Institute of Contemporary Photography, New York on studio lighting and colour darkroom printing, she is self-taught. Wright got her break by going on tour with bands and working for music magazines such as Q and the NME. She has worked with all of the major record labels and with bands such as Coldplay and Mumford & Sons. Her images have been published in The Times, The Guardian, GQ, Elle, Billboard, MOJO and The Sunday Times Magazine and her work has been selected to appear in the American Photography archive for the last two years. She recently received an Honourable Motion in the International Photography Awards 2020. Wright's commercial campaigns include work for Marc Jacobs, Converse, Barclaycard, and Michelin. She lives in Los Angeles, California. https://rachaelwright.com Grant Scott is the founder/curator of United Nations of Photography, a Senior Lecturer and Subject Co-ordinator: Photography at Oxford Brookes University, Oxford, a working photographer, and the author of Professional Photography: The New Global Landscape Explained (Routledge 2014), The Essential Student Guide to Professional Photography (Routledge 2015), New Ways of Seeing: The Democratic Language of Photography (Routledge 2019). His book What Does Photography Mean to You? including 89 photographers who have contributed to the A Photographic Life podcast is on sale now £9.99 https://bluecoatpress.co.uk/product/what-does-photography-mean-to-you/ © Grant Scott 2021

You are in for a treat today! We are delighted to be speaking to Ashanti Bentil-Dhue. Ashanti is the CEO of EventMind, which provides training and consultancy for businesses looking to engage virtually with their audience. She comes from the corporate world where she was Regulatory Compliance AVP for Santander Bank, Barclaycard, and the Financial Ombudsman Service. Ashanti co-created the UK's first nation-wide anti-racism and allyship project for women in Human Resources (HR), an industry that is 83% female and white. She is also a co-founder of 100 White Allies, Diversity Ally, and Black In Events, which are consultancies that provide support for organizations to be proactively anti-racist and inclusive. In this episode, we cover three main topics. They are diversity and inclusion, starting and running your own business, and online events. You will learn a lot from our fascinating conversation with Ashanti today. We hope you enjoy it as much as we did! Ashanti Bentil-Dhue's bio: Ashanti Bentil-Dhue is Founder and CEO at EventMind, a market leader in the virtual meetings and events sector. EventMind provides training, consultancy, and delivery for businesses looking to engage virtually with their audience and community. Ashanti is currently a judge on several awards panels, including the Eventex Awards, Independent Publisher Awards, and the Virtual Event Institute Awards. She is also a co-founder of 100 White Allies, Diversity Ally, and Black In Events, consultancies that provide support to organizations who want to be proactively anti-racist and inclusive, both internally and for their service users. You can connect with her on Linkedin.  Ashanti can bring the experience she gained from five years spent as a Regulatory Compliance AVP for the likes of Santander Bank, Barclaycard, and the Financial Ombudsman Service. This experience has given Ashanti an understanding of corporate governance and challenges associated with change management and workplace culture shifts. Diversity initiatives It was during her time in the world of compliance that Ashanti began to work on diversity initiatives, and she also started to use events as a vehicle to communicate the importance of being as diverse and inclusive as possible.  Arranging events When she was working for a bank, Ashanti did not see herself as an event planner. She saw herself as the compliance consultant who also arranged events. Building communities When she decided to start her own business, Ashanti naturally gravitated towards using events to build communities, her business brand, and her personal brand.  Racism Ashanti first encountered racism when she was four years old, and she was the only black child in her class. It was the first time she realized she was different because she got treated differently. She experienced bias, micro-aggression, and being stereotyped. An event to raise awareness During an awareness month, while she was in the financial industry, Ashanti decided to put on a diversity and inclusion event for the employees. She invited local school children to participate and help raise awareness and highlight the diversity in the area within which the bank operated. It all happened very naturally for her.  HR and diversity HR is a discipline in the UK where most of the stakeholders are female and white. Those individuals often influence the processes and systems that impact how much people are getting paid and who gets hired, fired, promoted, or trained, even though they may not have lived the experience of difference or being a minority. Ashanti's mission was to help those stakeholders understand how to contribute to becoming more diverse. Diversity Diversity can be attained by hiring different people, paying everyone on equal scales, and investing in people through resources and training. Ashanti Bentil-Dhue's visibility epiphany Ashanti Bentil-Dhue realized that her consistent visibility was a way to create more diversity. That realization prompted her to create 100 White Allies, Diversity Ally, and Black In Events.  100 White Allies, Diversity Ally, and Black In Events She created those consultancies with a mission to simplify things. She wanted to make it accessible for organizations and companies to become more diverse. And highlight to people of color that there is a place for them in the events industry. Encouraging more diversity  Ashanti understood that to encourage more diversity she needed to show up consistently, be good at what she does, and add value for other people. Starting her own business Ashanti always wanted to start a business. Having learned enough from the corporate experience to add value to tech startups, she thought she would have more freedom, independence, and control of her income by starting a business of her own. Instead, she discovered that being an entrepreneur is like being an employee squared. Ashanti Bentil-Dhue's entrepreneurial challenges As Ashanti Bentil-Dhue discovered, being an entrepreneur is not easy. The challenge in owning a business is that you have to be astute, you have to make decisions under pressure, and you have to love what you do. You also need to be driven from within and able to cope with uncertainty and rejection. Monetizing your experience and skills It is vital to know how to monetize your experience and skills. Without knowing how to do that, you will struggle with starting a business. Mindset Ashanti maintains a healthy mindset with the help of several coaches and the support of a community of other entrepreneurs. She has also done a lot of work on her personal mindset.  Scaling Scaling your income is very different from scaling your business. They require different skills, resources, time, and energy. They will result in different outcomes for you as the business owner. Making more money You don't have to create or scale a company to make more money. You need to understand how to make that happen and how to manage all the elements.  Ashanti Bentil-Dhue and online events Ashanti Bentil-Dhue got into creating online events before COVID. She started with live streaming to teach people how to do various things and sell her service. Then, other companies started asking her how to live stream and sell. That was how she got into helping companies create online experiences and events to build communities.  Since COVID  Since COVID, there is much more technology available, and the rest of the world now understands the sustainability benefits and the low cost of the online launch.  Post-pandemic Online events will become a part of a digital and social strategy. They will become more informed and sophisticated than pre-COVID. What's new You can now have global insights on attendee behavior at online events. Online events can now get integrated into a marketing strategy, a recruitment strategy, or a brand-activation strategy in a way that they were not getting done readily, pre-COVID.  A global directory Ashanti has decided to launch an accessible global directory. She feels that her company is in a position to do that because they are unbiased. They will be listing every event technology company out there in one place.  Connect with Eric On LinkedIn On Facebook On Instagram On Website Connect with Ashanti On LinkedIn

In this episode of Hives + Vibes + Tribes, I am speaking with Alison Coward.Alison Coward is the founder of Bracket, a consultancy that helps ambitious, forward-thinking teams to build high-performing, collaborative cultures. She is a strategist, workshop facilitator, coach, trainer, keynote speaker and author of “A Pocket Guide to Effective Workshops”.Alison works across corporates, start-ups, agencies and public institutions and her client list includes Google, D&AD, Barclaycard, Wellcome and Channel 4. With over 15 years' experience of working in, leading and facilitating creative teams, Alison is passionate about finding the balance between creativity, productivity and collaboration so that teams can thrive and do their best work together.Alison and I had a wonderful conversation about the facilitation work she does with teams and It was great to hear her perspective on what makes an effective facilitator and how the good one's usually make it look easy. Her idea that design thinking principles, based upon human centeredness and empathy, are not just for creative producers is a perspective I have always shared. I loved hearing the path that brought Alison to found Bracket and especially admire the work she's doing.

Choncé Maddox joins us in this episode to discuss how consistency and good habits resulted in paying off over $50,000 of consumer debt. Choncé has been featured in Essence magazine, she is a Certified Financial Education Instructor (CFEI) and freelance writer who loves to talk about everything personal finance. Her writing has been featured on sites like Business Insider, LendingTree, Credit Sesame, Barclaycard and the New York Post. Choncé was named one of the top financial experts to follow on Instagram by Black Enterprise. Full show notes and resources can be found here: https://thestudentloanpodcast.com/episode6 Visit our podcast sponsor at StartNoo to learn how you can exchange service hours in the community for direct payments towards your student loans or tuition.

Today, I'm having a gas with Paul Burke, a veteran creative who's seen it and done it all in adland. Paul is genuinely the most authentic character that I've spoken to for this series and he radiates charm and straightforward common sense. He's worked for top brands like Barclaycard, Heinz, Birdseye, Harvey Nichols, Boots, British Gas...the list goes on. Over the years, he developed a particular love for radio advertising due to the necessity of good writing to get the idea across. He's also had four novels published. One of them, Father Frank, is being turned into a film. -- © GAS™ Music 2020 -- www.gasismusic.co.uk

Ian Gavan on Getty Images, Cannes Film Festival & Challenging Yourself."If you lead an interesting life, good pictures will happen"- Ian GavanIan Gavan (@iangav) Ian Gavan is a Photographer based in London, England.He has a B.A Honours degree in Visual Communication, studying Photography at the University of Illinois USA and The University of Wolverhampton UK.He has shot assignments for, amongst others, The English National Ballet, Leica, British Airways, Guinness, Disney, Ascot, Alfa Romeo, Coca Cola, Samsung, Orange, Red Bull Racing, Cartier, MTV, Paramount, De Beers, Barclaycard, Diagio, British Film Institute, Falstaff Magazine, Jameson, Santander, Jaeger LeCoultre, IWC, Adidas, Universal Pictures, Sky Sports, Sony/Columbia/Tristar Pictures, Mulberry, Burberry, Shell, Puma, Issa, Gucci, Nike, Hello Magazine, Pepsi, Microsoft and G-Star Raw.Please enjoy!***If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts and/or iTunes? It takes less than 60 seconds, and it really helps makes a difference in helping to convince hard-to-get guests.Follow Matthew:Twitter: twitter.com/matthewdawalker Instagram: instagram.com/matthewdawalker

ABOUT:    This week we're finishing up the summer holidays with a conversation Mark had with Alan McCorkindale & Ashley Murphy, lecturers at the City of Glasgow College. Mark describes his journey so far, from  lastminute.com, Barclaycard, Pret and YO! Sushi to creating WE ARE Spectacular. Mark also shares some valuable hints & tips that he learned along the way that will help you get the job you want & jump up the career ladder.  ⠀ FOLLOW US: ⠀ ⠀ Mark / WE ARE Spectacular⠀   https://twitter.com/spectacularmark ⠀ https://twitter.com/spectacularchat  ⠀ https://www.instagram.com/spectacularmark/ ⠀ https://www.linkedin.com/in/markmcculloch/      Do you want to be on the next Spectacular Marketing Podcast? Email gabby@wearespectacular.com