Podcasts about emv

Falköpings Mejeri sticker ut som mejeri för de med stor framgång gärna tillverkar handels egna märkesvaror. I det här avsnittet av Lantbrukspodden berättar mejeriets VD Anders Segerström för Land Lantbruks reporter Göran Berglund varför han ser EMV-kategorin som en möjlighet både för bönder och mejerier. Han förklarar också varför Falköpings Mejeri varit försiktig med klimatutfästelser och att mejeriet stöttar förslaget om förändrad beteslag.Har du synpunkter eller förslag på ämnen och gäster till podden? Mejla oss på lantbrukspodden@landlantbruk.se

KASUTA sooduskoodI “sport”, mis annab sulle grupitreeningutelt 35% soodustust. Mine ja proovi crossfit trenne Priidu juures. Lisainfo siit: https://www.tallinncrossfit.com/ Seekordse episoodi külaliseks on Priit Meier, kelle elulugu võiks vabalt olla käsiraamat pühendumisest ja eneseotsimisest, distsipliinist ja elu mitmekesisusest. Ta on isa, abikaasa, ettevõtja, treener ja aktiivne sportlane, kes näitab oma elu ja tegemistega, et piirid seab ainult meie enda mõtlemine. Priit on ühtlasi Eesti Kaitseväe veteran, kes on teeninud Scoutspataljonis, Kaitseväe Akadeemias, Pioneeripataljonis ning osalenud kahel missioonil Afganistanis ja elukutselise meremehena laevakaitse meeskonnas India ookeanil. Pärast aktiivset teenistust on temast saanud treener ja koolitaja – CrossFit Level 2 treener, EQF 4. taseme treener, aastate jooksul olnud koolitaja Personaaltreeneritele, Eesti Kaitseväes, Päästeametis ja Tallinna Ülikoolis koos Eesti Paralümpiakomiteega Tallinn CrossFiti asutaja ja eestvedaja alates 2016. aastast. Sportlasena on ta 7-kordne Eesti Kaitseväe meister ja kahekordne Eesti meister sangpommi kahevõistluses. Võhandu maratoni 3-kordne võitja oma klassis, sisesõudmise EMV medalist, taliujumise MM osaleja. Fitness Challenge mitmekordne medalist: 2x EM pronks, 2x MM hõbe, EKV kuld, EMV hõbe ja pronks, liiga üldvõitja 2024 ning 2025 märtsist Eesti rekordi omanik. Priit on mees, kes usub siiralt, et terve vaim ja terve keha käivad käsikäes, ja tema igapäevane tegevus treeneri, sportlase ja eeskujuna on pühendatud sellele, et aidata ka teistel saavutada tasakaalu vaimse ja füüsilise tugevuse vahel. Tema moto võiks olla: "Terve vaim ja terve keha on sünonüümid, tegele mõlemaga ja sa oled õnnelik ning terve! " SAATE TOETAJAD MILLION MINDSET KIRJASTUS - Sooduskood “chriskala” annab sulle -10% soodustust. https://www.million.ee KONTAMO BRÄND - Sooduskood “PODCAST” annab -8% ja sama soodustus kehtib ka juba erisoodustustes olevatele komplektidele. https://www.kontamo.ee RUTH TERRAS BRÄND - Ostukorvis olles lisa märkuste lahtrisse “chriskala” ja saad Ruth Terrase poolt väikese kingituse. https://www.ruthterras.eu --- HEAD MÕTTED “Meile on bioloogiliselt antud võimekus kiirendada, teha kiireid spurte.” “Geneetiliselt on inimesele kaasa antud teatud sporti toetavad omadused, mida kõigil ei ole.” “Meil on kõigil eeldused teha suvalist sporti.” “Kas sinu motivatsioon on sisemine või väline?” “Distsipliin on see, mis aitab töö ära teha.” “Mida pikema perioodi peale panna lühikesi vahe eesmärke, seda lihtsamalt sa neid saavutad.” “Minule tundub, et mehena võiksid olla kolm asja kõige tähtsamad - fitness, finance ja family.” “Meil kõigil on erinevaid valdkondi enda eludes, kus tulemused tulevad kergemalt ja tulemused tulevad raskemalt. Sellest tuleb lihtsalt aru saada.” “Trenni teekonnas peab alati olema midagi, millega enanast võrrelda. Ehk kust sa alustasid ja kus sa oled. See aitab perspektiivi paika panna.” “Inimesed vajavad suunamist.” “Tänu unesõrmusele saan öelda, et minu halb uni, on mõne mehe parim uni, mida ta on enda elus saavutanud.” “Käsuõigusega on väga lihtne juhtida.” “Kui raketid ikka peakohal lendavad, siis aeg peatub.” “Juhid läbi eeskuju, mitte õllekõhu.” “Minu eesmärk treenerina on see, et sa suudaksid lõpuks iseseisvalt treenida.” “Mehed ja naised, kes suudavad kükis ja jõutõmbes enda keharaskusega treenida, nendel on üldiselt korrektuur toimunud ja vorm on hea.” “Mina ego-lifitingut ei luba ja kui vaja, saadan sind kohe koju ära.” “Kõik tegevused, mis ei toeta minu elu pikaealisust, siis ma lõpetan ära.” ---

13.00 บอร์ด รฟท. เดินหน้ารถไฟฟ้า 20 บาท สายสีแดง-แอร์พอร์ตลิงก์ เริ่ม ก.ย. นี้ และเปิดเงื่อนไขการได้รับสิทธิใช้รถไฟฟ้า 20 บาททุกสาย ต้องใช้บัตร EMV-แรบบิท ลงทะเบียนผ่านแอปทางรัฐ

Welcome to S3E04 of IMpulse, the Influencer Marketing Podcast! In this episode, we're joined by Mikhail Hanney, Managing Director at Pulse Advertising — a leading force in influencer marketing, helping global brands scale creator-led campaigns with impact. Mikhail shares his 10+ year journey at Pulse and the secret sauce behind their standout work with brands like MAC, Hyundai, and more. From how to build truly authentic influencer campaigns to navigating cancel culture and brand safety, this episode dives into the challenges of staying relevant in a fast-evolving, AI-powered landscape. We also unpack how brands are managing shrinking budgets, the rise of AI in creative workflows, and why "simple human truths" will always beat overproduced content.

Dagligvarekjedene kontrollerer hva vi spiser – men hvordan bruker de egentlig makten sin? Bent Sofus Tranøy er professor i statsvitenskap og en av Norges fremste eksperter på dagligvarebransjen. Han var med i Matkjedeutvalget og har studert maktforholdene i matindustrien i flere tiår. Vi snakker om hvordan kjedene styrer prisene, om vi egentlig har forbrukermakt, og hvorfor Matkjedeutvalget fortsatt er relevant i dag. God fornøyelse! 00:00 Introduksjon04:54 Hva er statsvitenskap?07:16 Markedets makt 08:47 Matkjedeutvalget og dagligvarekjedene11:09 Hvorfor dagligvarekjedene har så mye makt14:24 Infrastruktur og butikkontroll17:21 Forbrukermakt – finnes den egentlig?19:51 Hva får oss til å endre vaner i butikken?22:34 Dynamisk prising og kryssubsidiering27:09 Hvor blir pengene av i dagligvarebransjen?32:57 Priser innen dagligvare36:35 Marginsnakk – lave marginer eller høye volumer?39:09 Hvorfor snakker vi så mye om dagligvarebransjen?45:26 EMV – verdiskaping eller maktkonsolidering?50:23 Forskjellige typer makt i dagligvarebransjen57:06 Hva skjer med merkevarer som forsvinner?01:02:08 Fremtiden for dagligvaremarkedet

What's driving the next wave of influence in Fashion & Beauty marketing?  Earned Media Value.  It's the metric brands can't stop talking about, for good reason.  Conor Begley (Chief Strategy Officer @ CreatorIQ) is here to break it all down.  This week on the podcast, Paul sits down with Conor to explore the exact science behind EMV (Earned Media Value) & the strategies brands need to scale meaningful impact.  By now, it's clear the brands dominating the conversation – and their markets – know how to build authentic, long-term partnerships. (Spoiler: if your influencer marketing strategy isn't prioritizing retention, you're leaving value on the table.)  They're blending creativity, data & connection to increase their share of voice, and turn conversations into conversion with creators who get it.  Tune it to learn how to:  Unlock the Power of Earned Media Value: Learn why EMV is more than a buzzword. Conor explains how it ties directly to market share shifts, helping brands like Gucci, Prime, and Rare Beauty capitalize on their share of the conversation. Retain Influencers, Not Just Recruit Them: Retention is everything. The brands crushing it are those nurturing relationships with their core creators. Conor shares tactical advice on building authentic, lasting partnerships that scale naturally over time. Use Gifting & Experiences to Create Buzz: Think aggressive gifting strategies, unforgettable events, and founder-driven relationship-building. These aren't just nice-to-haves; they're must-haves for establishing brand loyalty and long-term Advocacy. Avoid Common Mistakes That Kill Momentum: Conor highlights pitfalls like focusing solely on campaign ROI instead of Lifetime Value, and why neglecting your core audience can tank even the strongest of strategies. Don't just measure the conversation. Own it.  Rate & review Building Brand Advocacy: Apple Podcasts Spotify Connect with Conor: On LinkedIn

In this episode, we're breaking down the influencer marketing strategies we're using this year. From product seeding to scaling creator partnerships, we're talking about EMV and how to measure it affectively, how to maximise spend on influencers for maximum ROI, and strategies for whitelisting, affiliate deals and paid creator partnerships. If you have a question for the MOperators Hotline, click the link to be in with a chance of it being discussed on the show: https://forms.gle/1W7nKoNK5Zakm1Xv6 00:00 Introduction 05:49 Influencer Marketing Strategies for 2024 09:10 The Power of Product Seeding and Community Engagement 12:02 Leveraging Micro and Macro Influencers 15:08 Balancing Paid and Organic Influencer Partnerships 17:59 Exploring Diverse Creator Collaborations 21:07 Navigating the Influencer Landscape Across Platforms 24:00 Measuring Marketing Effectiveness and Incrementality 30:21 The Volatility of Social Media Platforms 34:43 Tools for Content Discovery and Attribution 37:15 Shifting Perspectives on Influencer Marketing 40:35 Budgeting for Influencer Marketing 43:54 Upper Funnel Channels and Measurement Challenges 48:50 Balancing Organic and Paid Influencer Strategies 52:42 Integrating Influencer Marketing with Product Launches 56:02 Creating Buzzworthy Product Launches 01:01:16 Leveraging Influencer Marketing for Product Launches 01:09:21 The Future of Influencer Marketing Platforms 01:17:15 Measuring Success in Influencer Campaigns Operators Exclusive Slack: https://join.slack.com/t/9operators/shared_invite/zt-2tdfu426r-TepSHJP~evAyDfR29U2qUw Powered by: Motion. ⁠⁠⁠https://motionapp.com/pricing?utm_source=marketing-operators-podcast&utm_medium=paidsponsor&utm_campaign=march-2024-ad-reads⁠⁠⁠ Prescient AI.⁠⁠⁠ https://www.prescientai.com/operators Richpanel.⁠⁠⁠ https://www.richpanel.com/?utm_source=MO&utm_medium=podcast&utm_campaign=ytdesc Haus. http://Haus.io/operators E009: Ashton Wall: Putting Influencer Marketing At The Core of your Marketing Stack YouTube: https://youtu.be/ITRVhkBjsck Spotify: https://open.spotify.com/episode/6GyOKQz1pUUEOONomWVRK9?si=53aca7b12b9c4dd9 Subscribe to the 9 Operators Podcast here:https://www.youtube.com/@Operators9 Sign up to the 9 Operators newsletter here: https://9operators.com/

Technology is vital for adapting to rapid changes. We're breaking down what it means and what you need to do. Hosted by: Jeff Lenard About our Guest: Gray Taylor, Executive Director, Conexxus Gray has been involved with a variety of projects, including heading global product management for three of the world's largest retail petroleum equipment and systems suppliers, and as vice president of research and technology at NACS. Gray managed product portfolios that included payment platforms for EMV migration markets from Malaysia to Canada, as well as mobile/RFID payments initiatives.

De siste 20 årene har det vært 8 nordmenn som har ledet en av de tre store dagligvarekjedene - og Geir Inge Stokke er en av de. Selv om Geir Inge ikke lengre er i Coop, kjenner han bransjen ut og inn - og jeg har lenge vært nysgjerrig på å snakke med noen fra “den siden” av matsystemet. Vi snakker om karrieren til Geir Inge, oppkjøpet av ICA, de største endringene i dagligvaremarkedet de siste årene, EMV, priser, hvordan dagligvarekjedene kan bidra til en sunnere folkehelse, sentralisering, lokalbutikker, supermarked og utvalg, og mye mye mer. God fornøyelse!

While the holiday season ramps up, it's important to remember that holiday shoppers aren't the only busy ones this year. Identity thieves and scammers take advantage of this busy season to steal information. While you're out there in-person or shopping online, make sure you guard your cards and card information to ensure your transactions are secure.   Links: Learn more about secure password managers like LastPass Learn more about Google Pay, Apple Pay, PayPal Add your Triangle cards to a mobile wallet for secure and convenient payment Check out TCU University for more financial education tips and resources!  Follow us on Facebook, Instagram and Twitter!  Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   We all do our shopping however we feel most comfortable. Some love going out to a physical store to explore the shelves and find that perfect gift. Others like to comfortably camp out on the couch and browse websites for their holiday hunt.  Whichever way you choose to shop this year, remember to keep security top of mind.   Fraud attempts increase significantly during the shopping season so it's important to consider whether anything insidious is hiding behind that tempting email, social media ad or website.  Scammers want your payment information. They target credit card transactions both in-person and online in hopes to steal information from as many unsuspecting shoppers as they can.   This holiday, remember to guard your payment information whenever and wherever you pay.   For those who prefer shopping online keep these security tips top of mind before you go through the checkout.   Make sure the website is secure. Look for the lock icon at the top URL address bar to ensure information being transmitted is encrypted.   Don't save your card information in browsers.  Instead use a secure digital wallet or vault like LastPass.  Don't make payments over unsecured WI-FI or mobile networks. Scammers and hackers can monitor public, unsecured Wi-Fi sources to intercept sensitive data that might be transmitted  Use an online payment company that doesn't use card numbers like Google Pay, Apple Pay or PayPal.   For those who still shop in-person bad actors can still target your physical card transactions. Remember these tips when using your cards out in public.   When using self-pay locations like gas stations, stand-alone ATMs and parking terminals, remember to examine the pump or terminal for any signs of tampering, cameras or card skimmers.  Use the contactless payment method for physical cards instead of inserting the EMV chip or swiping the magnetic strip. Contactless methods are more secure when transmitting data  Don't shy away from using your phone's mobile wallet to store your cards. Mobile wallets keep all your card information secure; they transmit encrypted codes rather than card information during payment and you get the bonus of no longer needing to carry around physical cards.  If you lose your physical card, immediately lock it from any future use until you can find it or report it as lost to the credit card company   One final way to keep your cards secure is to get into the habit of monitoring all transactions. Set up transaction alerts to get instant notifications any time your card is charged so that way if suspicious activity occurs you can report it right away.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page, and look for our sponsor, Triangle Credit Union, on social media to share your thoughts.    Thanks for listening to today's Money Tip Tuesday, and be sure to check out our other tips and episodes on the Making Money Personal podcast.    Have a great day! 

EMV Capital (AIM:EMVC) CEO Dr Ilian Iliev talked with Proactive about the relaunch of EMV Capital's Evergreen EIS Fund, a move that enhances investor access to the company's deep tech and life sciences portfolio. The fund provides qualified investors with the opportunity to join EMV Capital's deals on similar terms to the company's other investment structures, while benefitting from EIS tax relief. Iliev emphasised that this fund is designed to "democratise access to exciting opportunities" within EMV Capital's growing portfolio, which already includes over £100 million in assets under management. I liev discussed EMV Capital's multi-channel strategy, emphasising its commitment to scalable companies that are in early revenue stages with global applications. By leveraging EMV Capital's expertise, passive investors can gain exposure to a curated selection of high-potential companies. He also noted that the EIS fund aligns closely with EMV's public market investments, viewing it as central to the company's broader strategy in deep tech and life sciences, particularly in light of recent UK tax policy changes that favour EIS-qualifying deals. Watch the full video to gain insights into EMV Capital's evolving strategy. Don't forget to like, subscribe, and enable notifications on Proactive's YouTube channel for more in-depth interviews. #EMVCapital #EISFund #IlianIliev #InvestmentStrategy #DeepTech #LifeSciences #InvestorGrowth #TaxRelief #CambridgeInvestments #FinancialNews #ProactiveInvestors #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

I veckans avsnitt: Konsekvenserna av Axfoods miljardaffär. Mardrömssiffror i sporthandeln – och drömsiffror för egna märkesvaror. Läs om veckans ämnen här: • Thomas Ohlén: Här är alla vinnare när Axfood tar över City Gross • Axfoods vd om planen för City Gross: ”Skärper och stärker konkurrensen” • Sporthandelns mardrömsår: Marginalerna raderas – nyckeltal för 190 bolag och kedjor • EMV vinner mark – så stor del av kakan tar kedjornas egna varumärken

How do you blend EMV goals, with consumer engagement? Can emerging brands with small budgets plan thoughtful events? What metrics should a brand prioritize, when planning IRL event programming?

Unlock the secrets to protecting your finances from fraud with expert insights from Zane Dubois, Centric's Cards Manager. With over ten years of experience in the banking world, Zane joins us on the Live Better podcast to discuss practical strategies for securing your debit and credit cards. From the advantages of mobile wallets to the critical role of EMV chip technology, we guarantee you'll walk away with actionable tips to navigate our increasingly digital financial landscape safely.Tune in as we share a personal story about an unexpected Amazon alert that highlights the importance of vigilance and quick action when fraud strikes. Learn how to recognize early warning signs, such as small test charges by scammers, and discover why keeping your contact information updated is crucial. We also shed light on avoiding impersonation scams and securing mobile wallets, ensuring you are armed with the knowledge to protect your financial well-being. Don't forget to subscribe for more episodes packed with valuable advice and follow us on our social media channels for ongoing updates.

SNAP - better known as food stamps - goes back to the Great Depression. ,The physical stamps were replaced with EBT cards in the 1990s, but since these cards are without the secure EMV chip techonolgy, enterprising crimilas found ways to drain funds meant for low-income families. Our Sponsors:* Check out Kiteworks: kiteworks.comAdvertising Inquiries: https://redcircle.com/brands

Send us a Text Message.Today's Discover Daily episode begins with a look at the impact of Mastercard's transition away from magnetic strips technology. This shift towards EMV chip technology promises enhanced security and will significantly impact various sectors of the payment ecosystem.Then, a new study shows how long term and short term memory actual works: our brain create three distinct copies of every memory, each serving a unique purpose in memory formation and recall. We explain how this actual works and what it could mean for memory disorders.Our final story focuses on a lesser known, computer animation pioneer: Alvy Ray Smith. Smith co-founded Pixar and stood up to Steve Jobs in a dramatic confrontation. His contributions to computer graphics and animation continue to shape the industry, despite being overshadowed by Jobs' larger-than-life persona.From Perplexity's Discover Feed: https://www.perplexity.ai/page/the-end-of-the-magnetic-stripe-IoJR7xi_T8eUOFOPOk3Ebwhttps://www.perplexity.ai/page/the-pixar-whiteboard-incident-d7KhA2lmS7uPoLp9bxwUWgPerplexity is the fastest and most powerful way to search the web. Perplexity crawls the web and curates the most relevant and up-to-date sources (from academic papers to Reddit threads) to create the perfect response to any question or topic you're interested in. Take the world's knowledge with you anywhere. Available on iOS and Android Join our growing Discord community for the latest updates and exclusive content. Follow us on: Instagram Threads X (Twitter) YouTube Linkedin

Welcome to the latest On the Couch. This occasional podcast series of chats with fund managers, CEO's and brokers aims to give you an insight into the investing world. In this episode, I am joined by Scott Kirkland CEO and MD EM Vision (EMV).Scott is the co-founder of EMVision (ASX:EMV). Scott has held several senior sales positions, including Head of Client Sales at Quantcast, a US-based technology company, prior to establishing EMVision as a leader in innovative neurodiagnostic technology.In this episode we talkWhat EMV is trying to achieve?Why is it important?What progress have you made with emu and First Responder?How long do the trials take?When can we expect first revenue?How is the cash position?What are the milestones and catalysts for investors in the next 12 months?Why should investors buy EMV?Disclaimer: This is general advice only and you should consult your financial adviser regarding any of the thoughts, ideas or insights in this podcast.Why not sign up for a free trial? Get access to expert insights and research and become a better investor.Subscribe now for in-depth market analysis, stock recommendations, investment and ideas strategies, and the suite of Marcus Today tools to manage your portfolio. 

PayPayカードが「Google Pay」に対応　Androidスマホでタッチ決済を利用可能（JCBブランドは後日）。　PayPayカードは7月17日、自社発行のクレジットカード「PayPayカード」「PayPayカード ゴールド」がGoogleの決済サービス「Google Pay」に対応したことを発表した。Google Pay（Google ウォレット）にVisa／MastercardブランドのPayPayカードを登録すると、NFC機能付きAndroidスマートフォン（Android 9以降）やWear OS搭載スマートウォッチ（Wear OS 2.18以降）において各ブランドのタッチ決済（EMVコンタクトレス決済）を利用できるようになる。

This week the Marketing Operators are joined by marketing expert, Ashton Wall. Ashton has experience working in house for some incredibly successful DTC brands, including ColourPop and Kylie Cosmetics. Ashton is now the co-founder of GateMaker Community and is here to share her tips, hot takes and expertise on marketing strategy, working with influencers, earned media value (EMV) and much more! 00:00 Introduction 03:03 Seeding vs. Gifting: Influencer Engagement Strategies 08:27 Earned Media Value (EMV) and Its Impact on Influencer Campaigns 14:43 Product Launch Strategies: Teasing, Seeding, and Influencer Content 37:04 The Dynamics of Influencer Marketing 57:59 Navigating the Brand vs. Growth Debate 01:05:33 Leveraging Flagship Partnerships Operators Exclusive Slack: ⁠⁠⁠https://join.slack.com/t/9operators/shared_invite/zt-20pd2eq4n-UVM6oTQkdltEwLINwkCWIA⁠ Powered by: Motion.⁠⁠⁠ https://motionapp.com/pricing?utm_source=marketing-operators-podcast&utm_medium=paidsponsor&utm_campaign=march-2024-ad-reads⁠⁠⁠ Aftersell.⁠⁠⁠ https://www.aftersell.com/⁠⁠⁠ Richpanel.⁠⁠⁠ https://www.richpanel.com/⁠⁠⁠ Haus. ⁠⁠⁠http://haus.io/operators⁠⁠⁠

In this Earned x CreatorIQ Connect Europe session, Conor introduces Kory Marchisotto, CMO of e.l.f. Beauty and President of Keys Soulcare. To start, we dive into what e.l.f. achieved during 2023, and how the brand has managed to lock down the title of No. 1 stock on the NYSE out of over 1.6k companies. Kory shares how e.l.f. has climbed the ranks and caught up with long-tenured beauty brands. We then learn about the ‘e.l.f. Ethos' of being bold disruptors with kind hearts, which is what guides the team from the C-suite outward. Kory discusses the art of attracting kindred spirits to work with e.l.f., and how these new team members enter the orbit of inspiration. Kory shares how to avoid the “logo slap” when it comes to working with other brands, as well as how to get your whole to be greater than the sum of each brand's separate parts. To close the keynote, Kory discusses e.l.f.'s efforts to listen while people are speaking, bring diversity into the boardrooms, and equip its team to be agile enough to move at the speed of culture. In this episode, you will learn: How e.l.f. has managed to lock down the title of No. 1 stock on the NYSE out of over 1.6k companies How the ‘e.l.f. Ethos' empowers the entire team to be bold disruptors with kind hearts in an industry that can be ruthless  The five-step formula that Kory calls the “blueprint to success,” which has propelled e.l.f. into the leading spot in EMV for the beauty category   Resources: E.L.F Beauty - https://www.elfbeauty.com/   Connect with the Guest: Kory's LinkedIn - https://www.linkedin.com/in/kory-marchisotto-0b8aa87/   Connect with Conor Begley & CreatorIQ: Conor's LinkedIn - @conormbegley CreatorIQ LinkedIn - @creatoriq   Follow us on social: CreatorIQ YouTube - @TribeDynamics CreatorIQ Instagram - @creatoriq CreatorIQ TikTok - @creator.iq CreatorIQ Twitter - @CreatorIQ

In Episode 122 of Earned, Conor sits down with Taylor Frankel, Co-Founder and Chief Brand Officer of Nudestix. To start, we dive into the founding story of Nudestix. Back in 2014, at the young age of 17, Taylor launched the brand in collaboration with her mother (Jenny Frankel) and sister (Ally Frankel) back in 2014. With a desire to create a product for those wanting “just enough” to feel more put together, the mother-daughter trio was armed with Jenny's experience at beauty brand CoverFX. With Nudestix's EMV surging 99% over the last four months, we learn about the data-driven strategy behind the brand's growth—and Nudestix has utilized CreatorIQ to achieve this momentum. Next, we explore how Nudestix views relationship-building with creators, and how being community-driven has gotten the brand to where it is today. Taylor speaks to her personal goals as a founder, and how even as a public face of the company, she still finds balance when it comes to sharing her content. By enforcing boundaries, Taylor has built and maintained her own following, sharing some of the day-to-day tasks she performs as a founder and what it takes to build a business. We then learn about how Nudestix formed partnerships with high-profile celebrities such as Hillary Duff and Sophia Ritchie Grange, and how these partners truly immersed themselves in the success of the business. Between the virality of Sophia's wedding and the collaboration that Hillary inspired, Taylor praises both partners for their investment in the brand from the start. Taylor then lets us in on Nudestix's entry strategy for the skincare and bodycare categories, which includes making sure that each line has its individualized moment. To close the show, Taylor and Conor chat about their email inbox numbers, and the goal to have it at zero each day—which reminds me…. In this episode, you'll learn:  1. How embracing viral moments can catalyze long-term brand growth and deeper community engagement. 2. How Nudestix leverages their social media community to drive product innovation and maintain a dialogue with consumers, reinforcing trust and loyalty. 3. The balance of personal branding and privacy with Taylor's candid discussion on the intersection of the founders' identity with the brand narrative in the digital age.   Resources: NUDESTIX - https://www.nudestix.com/   Connect with the Guest: Taylor's LinkedIn - https://www.linkedin.com/in/taylor-frankel-0ab0b5102/?originalSubdomain=ca   Connect with Conor Begley & CreatorIQ: Conor's LinkedIn - @conormbegley CreatorIQ LinkedIn - @creatoriq   Follow us on social: CreatorIQ YouTube - @TribeDynamics CreatorIQ Instagram - @creatoriq CreatorIQ TikTok - @creator.iq CreatorIQ Twitter - @CreatorIQ   Timestamps: [5:31] Challenges Taylor faced in the initial stages of NUDESTIX [15:02] The viral wedding look and revenue growth [20:00] What led NUDESTIX into skincare [25:03] How Taylor balances her personal and professional lives [30:01] Strategies NUDESTIX employs to build and maintain trust within their community  

Iceman is a renowned figure in the world of RFID hacking, with expertise in NFC and EMV technologies. As one of the lead open-source developers for Proxmark3—a powerful platform for RFID hacking and analysis—Iceman has significantly enhanced its capabilities. He is known for overhauling the user interface and expanding the feature set to allow device owners to maximize their usage. His work in the open source community has been focused on making RFID technology more accessible and understandable, and he continues to contribute actively to the field.TIMESTAMPS:00:02:27 - Introduction of Iceman, RFID hacker and contributor to the Proxmark project00:07:23 - Explanation of Proxmark device capabilities and the development of the Iceman fork00:14:13 - Formation of the RFID research group and transitioning from a hobby to a public figure00:17:49 - Introduction of new RFID tools, concepts, and weaponizing RFID readers for unauthorized access00:20:40 - Effectiveness of RFID wallets and the cat-and-mouse game with weaponized readers00:24:06 - Development of magic cards for RFID hacking and the potential impact of AI on RFID research00:28:29 - Participation in RFID hacking competitions, CTFs, and the importance of forums and Discord for knowledge sharing00:34:42 - Flipper Zero as a well-made tool with an ecosystem for extending functionality00:35:57 - The future of RFID hacking, including secure communications, advanced crypto, and chip implants by Dangerous Things00:39:38 - Iceman's experience with metal detectors, TSA, and the exciting future of RFID for hackers and end users00:42:52 - The need for vendors to allow legal copying of items and the importance of disrupting tracking and logistics systems00:45:07 - Iceman's recommendations for following his work and joining relevant Discord serverSYMLINKSX: https://twitter.com/herrmann1001/YouTube: https://youtube.com/@iceman1001/Discord: https://discord.com/invite/QfPvGFRQxH/Proxmark3: https://proxmark.com/Iceman Fork: https://github.com/RfidResearchGroup/proxmark3/Dangerous Things: https://dangerousthings.com/Flipper Zero: https://flipperzero.one/IceDev: icedev.seDRINK INSTRUCTIONWildcard1 oz Cardamaro1 oz Genever1 oz CynarAdd all ingredients to a shaker filled with ice. Stir until chilled and properly diluted. Strain into a lowball glass filled with fresh ice. Optionally garnish with a sprig of rosemary or an orange peel.CONNECT WITH USwww.barcodesecurity.comBecome a SponsorFollow us on LinkedInTweet us at @BarCodeSecurityEmail us at info@barcodesecurity.com

In Ep. 118 of Earned, Conor sits down with Cassandra Thurswell, founder and CEO of Instagram's favorite haircare brand, Kitsch. (Use code “EARNED20” at checkout for 20% off Kitsch products!) We start by hearing Cassandra's journey to launching Kitsch, including the sacrifices she had to make to fund the business. Cassandra explains how building the brand was like “building the plane in the air,” and why she listened to her customers' feedback to continue to improve her products. Next, we learn Kitsch's strategies for entering the retail space, starting with specialty stores before launching in Ulta. Cassandra emphasizes how the product should be able to sell itself on the shelf with educational, tactile, and aesthetic packaging. We then hear how the pandemic forced Kitsch to build up its digital channels and communities, before unpacking the factors behind the brand's 2023 surge in EMV. Cassandra shares the success of Kitsch's expansive product line, which helps consumers throughout their entire day, and how the brand's licensing collaborations have helped Kitsch reach a new audience through common interests, like Harry Potter. We dig into Kitsch's thriving Facebook community of over 40k members, and hear why the platform has been so valuable in connecting with the brand's passionate fans. To close the show, Cassandra reveals why she was born to be an entrepreneur, and how she deals with the pressures of having to have great hair. In this episode, you will learn:  The importance of listening to customer feedback when building out your brand. Kitsch's strategies for successfully entering the retail space. How thoughtful licensing collaborations have helped Kitsch reach a new audience through common interests. Resources: Kitsch - https://www.mykitsch.com/  (Use code "EARNED20" at checkout for 20% off Kitsch products!) Connect with the Guest: Cassandra's LinkedIn - https://www.linkedin.com/in/cassandra-thurswell/ Connect with Conor Begley & CreatorIQ: Conor's LinkedIn - @conormbegley CreatorIQ LinkedIn - @creatoriq Follow us on social: CreatorIQ YouTube - @TribeDynamics CreatorIQ Instagram - @creatoriq CreatorIQ TikTok - @creator.iq CreatorIQ Twitter - @CreatorIQ

Épisode 1079: Comment mesurer la rentabilité d'une campagne avec des influenceurs ? Et si la réponse se trouvait dans l'indice d'Ayzenberg ?Si vous avez un jour mené une campagne d'influence marketing, ces questions, vous vous les êtes forcément posé. Au delà des KPI de portée et d'engagement il existe une donnée clé pour mesurer les résultats de ses campagnes : l'Earned Media Value.—C'est quoi le Earned Media ValueLe terme « earned media » fait référence à la visibilité ou à l'exposition qu'une marque obtient en dehors de la publicité dans les médias payants ou en publicité sur les réseaux.Quand on fait de l'influence on fait du earned media.L'EMV - Earned Media Value - vise à attribuer une valeur monétaire à cette visibilité.L'Earned Media Value est une estimation de la somme d'argent qui aurait été dépensée pour une campagne médiatique traditionnelle ayant le même impact.Le principe est de comparer les retombées de l'influence au budget qui aurait été nécessaire pour acheter un espace publicitaire donnant les mêmes volumes d'audience et la même qualité d'exposition. L'indice d'AyzenbergL'agence de publicité Ayzenberg a créé en 2016 le Earned Media Value Index, qui est depuis devenu le standard du marché pour mesurer le ROI du marketing d'influence.L'indice d'Ayzenberg permet de calculer son EMV en attribuant une valeur en euros à des indicateurs comme les likes, les commentaires, les partages et les impressions. L' index Ayzenberg donne une valeur à chaque interaction sociale et permet de calculer la valeur média d'une campagne d'influence. En gros je vais pouvoir me dire j'ai dépensé 20k dans ma campagne t elle m'a rapporté l'équivalent de 35k en Earned Media Value.Quelques exemples de valeurs issues de l'indice AyzenbergUne vue de vidéo sur TikTok vaut 0,05 eurosEn comparaison, des plateformes comme YouTube, Facebook et Instagram se situent généralement dans la fourchette de 0,10 euros.Instagram = 0,07 $ pour les likes et 3,46 $ pour les commentairesYouTube = 0,08 $ pour les likes et 6,99 $ pour les commentairesTikTok = 6,89 $ pour 1 000 vues, 0,09 $ par like, 3,52 $ par commentaire et 1,72 $ par partageDes outils pour se simplifier la vieReechKolsquareHype Auditorhttps://socialmediavalue.io/instagramIndice Emv en date de Février 2023Retrouvez toutes les notes de l'épisode sur www.lesuperdaily.com ! . . . Le Super Daily est le podcast quotidien sur les réseaux sociaux. Il est fabriqué avec une pluie d'amour par les équipes de Supernatifs. Nous sommes une agence social media basée à Lyon : https://supernatifs.com. Ensemble, nous aidons les entreprises à créer des relations durables et rentables avec leurs audiences. Ensemble, nous inventons, produisons et diffusons des contenus qui engagent vos collaborateurs, vos prospects et vos consommateurs. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Undeniably one of the biggest trends of 2023 was restaurant brands leveraging influencers on social media to sell their products. These influencers resonate with the coveted Gen Z demographic and help position brands top of mind, even if just for a fleeting moment. And apparently they're very effective at convincing others to try a menu item. Consider Chipotle's fajita quesadilla campaign with TikTok influencers Alexis Frost and Keith Lee, for example. The 2023 promotion helped generate two of the company's top digital sales days of all time.Influencer marketing is certainly nothing new, but it is reaching a fever pitch and, in fact, the industry has increased by nearly $20 billion in the past seven years. Restaurants in particular are well positioned to capitalize on this trend. According to CreatorIQ, more than 437,000 creators posted about food and beverage brands more than 1.2 million times, driving nearly 75.5 billion impressions, 3 billion engagements and a whopping $4.8 billion in earned media value (EMV). And those numbers are just from the first half of 2023.

What if every time you went to pay for something at a store, the clerk behind the counter had a different terminal for each card network - one for Visa, another for American Express, and a few others for local domestic networks? That was what much of the world was like decades ago - and it still is a bit like that in some countries today. But in 1999, collaboration entered the picture when Europay, Visa, and Mastercard came together to create a common specification for Chip and PIN so that any chip-enabled card could be read from any chip reader anywhere in the world if both complied with a common EMV specification. That significantly impacted Chip and PIN adoption - for merchants and consumers. Today, EMVCo supports seven EMV technologies. As a consumer, when you insert your card into a reader, “tap to pay,” or pay using Secure Remote Commerce, or as a merchant, accept payment through a mobile device or a QR code, support a tokenized card credential, or 3D Secure technology, you are benefiting from the work of EMVCo. In this episode, we talk with Oliver Manahan to understand how EMVCo fulfills its mission, catch up on its 2023 initiatives, and try to peek over the horizon to see what might be in store next for EMVCo.

In today's episode of Earned, Conor has the pleasure of sitting down with two incredible guests: Rose-Marie Swift, veteran celebrity makeup artist and founder of RMS Beauty, and her partner in crime for 15+ years, Chief Strategic Officer Elaine Sack. To start, we hear why Rose-Marie was inspired to disrupt the industry and create her own clean beauty line after years of being a professional makeup artist to the stars, while Elaine shares why she decided to join the brand 15 years ago. Next, we discuss the recent explosion of expert-founded brands, and the reasons why Rose-Marie and Elaine believe these brands will stand the test of time. We unpack RMS Beauty's impressive EMV growth over the last year and hear about the brand's approach to working with creators, then learn why Rose-Marie herself decided to get on—and take over—TikTok. (#RoseMarieSwift has over 20M views!) Rose-Marie then shares why she believes her unfiltered content resonates across generations on the platform. We switch gears to discuss Rose-Marie and Elaine's “husband and wife” working relationship, and how it has evolved over the last decade. The pair shares their rationale for bringing on financial partners, and why Highlander Partners and current CEO David Olsen were the perfect fit for them. To close the show, Rose-Marie, Elaine, and Conor discuss their craziest “middle-of-the-night” ideas for their companies. In this episode, you will learn: Why Rose-Marie Swift started RMS Beauty, and how her relationship with Chief Strategic Officer Elaine Sack has evolved over the last 15+ yearsHow Rose-Marie's TikTok stardom has helped RMS Beauty reach and resonate with different generationsHow Rose-Marie and Elaine successfully navigated the challenging process of bringing on a financial partner while remaining true to their brand's mission and valuesResources:RMS Beauty - https://www.rmsbeauty.com/ Connect with the Guest(s):Rose-Marie's LinkedIn - https://www.linkedin.com/in/rose-marie-swift-38a6b010/ Elaine's LinkedIn - https://www.linkedin.com/in/elaine-s-614a542/ Connect with Conor Begley & CreatorIQ:Conor's LinkedIn - @conormbegleyCreatorIQ LinkedIn - @creatoriqFollow us on social:CreatorIQ YouTube - @TribeDynamicsCreatorIQ Instagram - @creatoriqCreatorIQ TikTok - @creator.iqCreatorIQ Twitter - @CreatorIQ

Debit routing - once again, all the rage. On July 1, 2023, the US Federal Reserve's clarification on Reg II went into effect. The clarification confirms that Reg II - which required unaffiliated debit network routing as part of the Durbin Amendment - also applies to CNP environments.  What were we thinking in 2015 when debit routing at POS, contactless payments, and chip and PIN were “of the moment”? What lessons can we glean from a conversation then that apply now? We've pulled Episode 16 from our vault to find out. We hope you enjoy this far-reaching discussion that moves from some EMV fundamentals to the implications of having a long tale of adoption, how consumer behavior and payment capabilities have to evolve in concert, and the reaction of fraudsters when things change in large, complex environments like the card system.  And stay tuned for our next episode where we welcome EMVCo to the show to see what they are up to these days and take a peak over the horizon. 

It's our penultimate episode of the 31 Days of Halloween and we are setting up the final episode with a banger of a modern ghost story – The Innkeepers! We'll debate whether Ti West is a Master of Horror, how good Sara Paxton is in this, and the differences between dread and jump scares. Get out the EMV recorder and let's conjure a great haunted hotel movie! If you're not there already, join the discussion on our Facebook group, Twitter, Instagram, or Discord. You all are the absolute best! You can hear the show exclusively on Legion Podcasts, so be sure to subscribe on Apple Podcasts, Google, Spotify, Android, Pandora, iHeartRadio, PocketCasts, Podchaser, or wherever podcasts are found. ★ Support this podcast on Patreon ★

It's our penultimate episode of the 31 Days of Halloween and we are setting up the final episode with a banger of a modern ghost story – The Innkeepers! We'll debate whether Ti West is a Master of Horror, how good Sara Paxton is in this, and the differences between dread and jump scares. Get out the EMV recorder and let's conjure a great haunted hotel movie! If you're not there already, join the discussion on our Facebook group, Twitter, Instagram, or Discord. You all are the absolute best! You can hear the show exclusively on Legion Podcasts, so be sure to subscribe on Apple Podcasts, Google, Spotify, Android, Pandora, iHeartRadio, PocketCasts, Podchaser, or wherever podcasts are found. The post Legion Podcasts 31 Days of Halloween: Day 30 – The Innkeepers first appeared on Legion.

It’s our penultimate episode of the 31 Days of Halloween and we are setting up the final episode with a banger of a modern ghost story – The Innkeepers! We’ll debate whether Ti West is a Master of Horror, how good Sara Paxton is in this, and the differences between dread and jump scares. Get out the EMV recorder and let’s conjure a great haunted hotel movie! If you're not there already, join the discussion on our Facebook group, Twitter, Instagram, or Discord. You all are the absolute best! You can hear the show exclusively on Legion Podcasts, so be sure to subscribe on Apple Podcasts, Google, Spotify, Android, Pandora, iHeartRadio, PocketCasts, Podchaser, or wherever podcasts are found. The post Legion Podcasts 31 Days of Halloween: Day 30 – The Innkeepers first appeared on Legion.

In this episode, Ricardo discusses the common practice of calculating Expected Monetary Value (EMV) for risk management. EMV involves multiplying the probability of a risk by its impact to determine the exposure and, in turn, the financial reserves needed. He points out that using EMV for risk reserves is only effective when managing a large portfolio of risks as an insurance company does. For small projects with just a few risks, relying on EMV is insufficient, and a different approach is needed. Ricardo suggests using more extreme scenarios, such as worst-case or best-case, depending on risk tolerance and project specifics. Large, complex projects, like nuclear power plants, require special consideration due to the potentially catastrophic impacts that may be financially unmanageable. Therefore, these projects are often funded by governments or large organizations. The key takeaway is that risk management involves more than just EMV calculations; it depends on the project's size and risk tolerance.

Neste episódio, Ricardo fala sobre a prática comum de cálculo do Valor Monetário Esperado (EMV) para gestão de risco. EMV envolve multiplicar a probabilidade de um risco pelo seu impacto para determinar a exposição e, por sua vez, as reservas financeiras necessárias. Ele destaca que usar EMV para reservas de risco só é eficaz no gerenciamento de um grande portfólio de riscos, como faz uma seguradora. Para projetos com poucos riscos, isso pode ser insuficiente, e é crucial considerar a tolerância ao risco. Em cenários de alta intolerância, o foco é no pior caso possível, com reservas calculadas com base nessa perspectiva. Ricardo enfatiza que a gestão de risco requer uma abordagem holística, levando em consideração o equilíbrio entre benefícios do projeto e riscos específicos da organização. Ele ressalta que calcular o EMV de forma simplista é inadequado e que a perspectiva de risco varia entre empresas.

This episode features a series of presentations and insightful discussions that took place at the 2023 Australian Society of Cataract and Refractive Surgeons Congress about EMV and EMV Toric. Join leading ophthalmologists Prof Graham Barrett, Dr Filomena Ribeiro, Dr Karl Stonecipher, Dr Damien Gatinel, Dr Georgia Cleary, Dr Dean Corbett, and Dr Brian Harrisberg as they discuss patient counseling and outcomes and more.   This podcast is provided for general information purposes only. The presenters' views are their own. Nothing contained within this podcast is intended to offer medical advice for the treatment of any illness or disease, nor is it a substitute for professional medical advice, diagnosis or treatment. Nothing presented in this podcast is intended to give instruction or guidance on the use of any Rayner products; it is not designed to replace a surgeon's independent judgement about the appropriateness or risks of a procedure for a given patient. Rayner does not endorse off-label use. Users must refer to the product labelling and instructions for use for Rayner products in all cases. Not all Rayner products are available in all countries. © 2023 Rayner Group, all rights reserved. Rayner, RayPRO and RayOne are proprietary marks of Rayner. All other trademarks are property of their respective owners. Rayner, 10 Dominion Way, Worthing, West Sussex, BN14 8AQ. Registered in England: 615539

In today's episode of the Moco Business Buzz, I introduce Daniel Garedew, who is a part owner of Star Financial, a merchant services company. We specialize in credit card processing for businesses, offering equipment, training, and compliance support. Our main focus is on using the latest payment terminals to prevent risks such as fraudulent charges. We also discuss the importance of using EMV technology for secure transactions.   When it comes to marketing, I mention our successful Facebook and LinkedIn campaigns, as well as our dedication to providing personalized customer service. I suggest utilizing AI tools like ChatGPT and Canva, but I want to emphasize the importance of maintaining a consistent brand tone and incorporating personal language.   If you enjoyed today's conversation and would like to be featured yourself, just let me know by checking out our podcast website https://mocobuzz.my.canva.site/. There you can learn more about the show and sign up directly.   Whenever you are ready, here are some ways that we can help you: Free 1-Hour Marketing Consultation: https://tidycal.com/philippa/free-marketing-consultation   Subscribe for regular content on developing a solid marketing plan, marketing strategy, and marketing tips.   Connect with us:   Linkedin: https://www.linkedin.com/company/channer-consulting-llc Facebook: https://www.facebook.com/channerconsulting/ Instagram: https://www.instagram.com/channerconsulting/   Get in touch: info@channer-consulting.com

Issuer tokens, network tokens, EMV tokens - whatever you call them - continue to be a hot topic for merchants, payment service providers, issuing banks, processors, and the networks themselves. This “sleight of hand” substitution of a payment account number with an indistinguishable alternative carries with it a robust set of capabilities that have promised to reduce the value of breached payment account information, lower the cost of card replacement, and enable unique account numbers for the expanding universe of payment-enabled devices. In this episode, Chris Uriarte and Russ Jones discuss how tokens are implemented in the “card present” and “card not present” environments and how EMV tokens are becoming normalized in interchange tables, scheme fees, and provider services. As tokens move squarely into mainstream card processing, this conversation highlights important distinctions in network and provider implementations, fees, and regulations that should be on everyone's radar.

Payments on Fire Episode 21, originally aired: June 15, 2015 Network tokenization - the promised land of payments. Like most promised lands, the journey there is epic and, well, hard. One question we hear from our clients, workshop participants, and the folks in our Merchant Round Table is: Are we there yet? We dug into our vault to understand the journey - where we started and how far we've come. We found Episode 21, when George Peabody and Russ Jones discussed network tokenization (aka issuer tokenization, aka EMV tokenization). This conversation is an excellent episode to get the history, essential workings, and context for an important, if not long in the tooth, technology reshaping how payment credentials are propagated and managed in our digital era. Yvette will be catching up with Russ and Chris Uriarte to discuss recent developments in network tokenization on an upcoming podcast - and try to decide when we'll arrive at our destination.

In our 85th episode of Earned, we're joined by Alicia Yoon, founder and CEO of fast-growing Korean skincare brand Peach & Lily. With her second child on the way, Alicia shares her approach to balancing entrepreneurship and motherhood, emphasizing the importance of prioritization. We then dive into Peach & Lily's origin story, and Alicia reveals why she was inspired to pivot her career away from the corporate world—with previous experience at Boston Consulting Group and Goldman Sachs—and focus on her passion: bringing Korean skincare products and practices to the U.S. We learn why Peach & Lily, which started as a K-beauty retailer, decided to launch its own line of skin products in 2018, as well as how its second brand, Peach Slices, complements without cannibalizing. Next, we discuss what it's like to work with your spouse, while Alicia explains why 2020 was the right time to raise funding and bring Sandbridge Capital aboard as a partner to the brand. We then explore Peach & Lily's rapid climb up the EMV rankings, and Alicia breaks down Peach Slices' successful Spot Dot campaign to illustrate how influencer marketing fits into the brand's broader marketing strategies, and how creators are the key to driving sustained growth.In this episode, you will learn: Why prioritization is key to balancing entrepreneurship and motherhood The origin story behind Peach & Lily Why influencer marketing needs to fit into your brand's broader marketing strategiesResources:Peach & LilyConnect with the Guest:Alicia Yoon's LinkedInConnect with Conor Begley & CreatorIQ:Conor's LinkedIn - @conormbegleyCreatorIQ LinkedIn - @creatoriqFollow us on social:CreatorIQ YouTube - @TribeDynamicsCreatorIQ Instagram - @creatoriqCreatorIQ TikTok - @creator.iqCreatorIQ Twitter - @CreatorIQ

As credit card fraud continues to impact people year over year, it's important to keep your cards and information as secure as possible.   Fortunately, there are some very simple and easy things you can do to keep your cards, physically and virtually, out of thieves' hands.  Links:  Learn more about Triangle credit cards and their benefits Learn more about Google virtual cards through Google Pay Learn more about Triangle's Better Checking account and it's identity protection benefits. Already registered? Log into idprotectme247.com to access your benefits and register cards. Follow our Facebook, Instagram and Twitter pages! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Of the types of identity theft out there, credit card fraud comes in at #2 on the list of most common types of identity theft just below government docs and benefits fraud (according to a 2021 FTC survey).   Card fraud can happen to anyone using their cards physically in-store or virtually online.   May steps have been taken to make physical card transactions more secure like EMV chips and contactless card functions which shelter your transaction behind layers of encryption and security.   But, even with those new technologies, thieves still find ways to try to steal your info. Things like card skimmers at gas stations or RFID scanners can still be used by thieves when you're out in public.  Using your card online can be even trickier, because you could accidentally use your card on a fake website, or your info may get picked up in a data breach and sold on the dark net for someone else to use.   Luckily, the growing awareness of credit card theft has led to many actions and tools you can use to keep your cards as secure as possible.    Here are 6 things you can do to heighten card security.  Number 1: Use an RFID protection sleeve or wallet. Cards can still get skimmed if you're in public and someone gets close enough to scan it with a certain device. Protecting your card in an RFID protection sleeve or wallet will shield your card if you're ever in crowded places where someone could try to steal your information.   Enable card controls and turn off unused or rarely used cards.  The ability to turn your card on and off can make a world of a difference when you think your card number may have been stolen. Check your card apps or websites to see if you have card controls and turn off any unused or rarely used cards. This will ensure that even if someone gets ahold of it, your card cannot be used.   Add your card to your phone's mobile wallet and leave your physical card at home. Paying with your phone is super convenient and really secure. If you want to keep your cards safe from theft, add them to your phone and pay with the added convenience as well as security. Try not to lose your phone, but even if you do, your digital wallet is protected by biometric or PIN security making it hard for criminals to get access.  Make sure you have notifications enabled with your card. This means you'll receive a text message every time your card is charged with information on where it's been used and the dollar amount charged. It's a great feature to have because if you get an alarming notification of a charge you didn't make you can act immediately.  Do not save your credit card information in online checkouts. Use a payment processor like PayPal or Venmo or use a virtual card. If available, you can enable them through your card provider. Companies like Capital One and even Google can give you an option to enable a virtual card when you checkout.  Register your cards with an identity protection service like ID Protect. If you have a Better Checking account you're halfway there and have access to this valuable tool. If you're registered with IDProtect simply log into idprotectme247.com and set up card registration within your profile. If your identity ever gets compromised, you'll need to make one phone call with IDProtect who will help close all your cards and reissue new ones in a snap. Saving you time and anxiety. Contact Triangle Credit Union if you have any questions about getting set up.  When it comes to your credit cards, you want to make sure they are as protected as they can be. With all the ways to lock, store and use your cards, you can now take more steps to safeguard your cards from theft.   If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

In Ep. 83 of Earned, we're joined by Jeremy Lowenstein, Chief Marketing Officer at cult-favorite mass beauty brand Milani. We start by learning how Jeremy broke into the beauty industry with a college internship at Estée Lauder, and why he's remained in the industry ever since. We then examine Milani's recent success on social, and Jeremy shares how the brand has invested even more deeply in developing relationships with creator partners. Next, we discuss how Milani has been dubbed a “dupe” for many of its prestige counterparts. Jeremy explains why the brand embraces this title, and celebrates its ability to bring prestige-quality products to the mass consumer. We explore the success of Milani's recent #GRWMilani campaign, before Jeremy reveals why he wanted to transition out of large corporations and into the indie beauty landscape. To close the show, we talk through the challenges and opportunities of the short-form video revolution, and Jeremy shares his take on shifting toward “creator-led marketing.”In this episode, you will learn: 1. How developing deeper relationships with creators has fueled a surge in Milani's EMV 2. Why Milani embraces being called a "dupe" for prestige brands3. Jeremy's take on creator-led marketingResources:Milani CosmeticsConnect with the Guest(s):Jeremy Lowenstein's LinkedInConnect with Conor Begley & CreatorIQ:Conor's LinkedIn - @conormbegleyCreatorIQ LinkedIn - @creatoriqFollow us on social:CreatorIQ YouTube - @TribeDynamicsCreatorIQ Instagram - @creatoriqCreatorIQ TikTok - @creator.iqCreatorIQ Twitter - @CreatorIQ

  narratives - nathan final Summary Nathan's background. 0:05 Introduction to the podcast and the guest. Nathan's bio and his interest in urbanism. Stumbling into the discourse of urbanism. How he first got interested in the topic. Nathan's marketing background. 4:02 Nathan talks about marketing and movement. Nathan shares his take on marketing. How to best navigate social media discourse? 6:15 Observing various forms of discourse on social media. Cars vs other forms of transportation. The 15 minutes cities conspiracy theory going viral. How to win people over. Nathan's first instinct when he first heard about this. 11:42 The psychology of conspiracy theories and how they form. Nathan shares his thoughts on current EMP messaging and how to improve it. The challenge of explaining urbanism to the left. Dark money and deregulatory talk. Is there a conspiracy on twitter? 17:36 Skepticism toward power, paranoia and lack of ability to work around it. Twitter is toxic. Lessons learned from twitter. 20:31 Lessons learned from tiktok and how he manages his communications. Tiktock is a health sign. The benefits of being a youtuber on Twitter and tiktok. Making a statement for yourself. Contrarian rebelling on social media. 25:20 Being an anti-group from a young age. The internet is full of people like you. The intellectual dark web and social media. How social media is like the urbanist movement. Emv vs urbanest in their bio. Freddy de boer, critical of vmb. The aesthetics and vibes of a movement. 31:55 Reservations about joining a group, aesthetics, vibes and who's in the room. Deep blue texas. Defining the differences between left and right. How humans work, and why it matters. How do we interpret our political leanings? 36:19 No party is free of guilt. Tribalism is any kind of group thing. AOC is a lightning rod of discourse. AOC and the left-right divide. Practical examples of the problem with framing and framing. 42:05 The difference between a conservative and a conservative. Practical examples in activism. Single-family zoning and how it is framed. How conservatives react to single- family zoning. How to get people to care. 47:03 Why most people don't care about politics. How to choose the right messaging. Reframing politics around culture and policy engagement. Taking a step back regularly to recalibrate. Advice to the young people. 52:28 Ten good-faith, thoughtful arguments vs one or two bad-faith responses. Online friends vs real-life friends. Advice for a budding movement trying to change the world. Follow their passions. Where are your strengths? 56:59 Everyone is passionate about something, even if it's something stupid. Not everybody can be joe rogan. The anti-podcaster meme, and why it's a bad thing. Bismarck analysis newsletter. narratives - nathan final Summary Nathan's background. 0:05 Introduction to the podcast and the guest. Nathan's bio and his interest in urbanism. Stumbling into the discourse of urbanism. How he first got interested in the topic. Nathan's marketing background. 4:02 Nathan talks about marketing and movement. Nathan shares his take on marketing. How to best navigate social media discourse? 6:15 Observing various forms of discourse on social media. Cars vs other forms of transportation. The 15 minutes cities conspiracy theory going viral. How to win people over. Nathan's first instinct when he first heard about this. 11:42 The psychology of conspiracy theories and how they form. Nathan shares his thoughts on current EMP messaging and how to improve it. The challenge of explaining urbanism to the left. Dark money and deregulatory talk. Is there a conspiracy on twitter? 17:36 Skepticism toward power, paranoia and lack of ability to work around it. Twitter is toxic. Lessons learned from twitter. 20:31 Lessons learned from tiktok and how he manages his communications. Tiktock is a health sign. The benefits of being a youtuber on Twitter and tiktok. Making a statement for yourself. Contrarian rebelling on social media. 25:20 Being an anti-group from a young age. The internet is full of people like you. The intellectual dark web and social media. How social media is like the urbanist movement. Emv vs urbanest in their bio. Freddy de boer, critical of vmb. The aesthetics and vibes of a movement. 31:55 Reservations about joining a group, aesthetics, vibes and who's in the room. Deep blue texas. Defining the differences between left and right. How humans work, and why it matters. How do we interpret our political leanings? 36:19 No party is free of guilt. Tribalism is any kind of group thing. AOC is a lightning rod of discourse. AOC and the left-right divide. Practical examples of the problem with framing and framing. 42:05 The difference between a conservative and a conservative. Practical examples in activism. Single-family zoning and how it is framed. How conservatives react to single- family zoning. How to get people to care. 47:03 Why most people don't care about politics. How to choose the right messaging. Reframing politics around culture and policy engagement. Taking a step back regularly to recalibrate. Advice to the young people. 52:28 Ten good-faith, thoughtful arguments vs one or two bad-faith responses. Online friends vs real-life friends. Advice for a budding movement trying to change the world. Follow their passions. Where are your strengths? 56:59 Everyone is passionate about something, even if it's something stupid. Not everybody can be joe rogan. The anti-podcaster meme, and why it's a bad thing. Bismarck analysis newsletter. narratives - nathan final Summary Nathan's background. 0:05 Introduction to the podcast and the guest. Nathan's bio and his interest in urbanism. Stumbling into the discourse of urbanism. How he first got interested in the topic. Nathan's marketing background. 4:02 Nathan talks about marketing and movement. Nathan shares his take on marketing. How to best navigate social media discourse? 6:15 Observing various forms of discourse on social media. Cars vs other forms of transportation. The 15 minutes cities conspiracy theory going viral. How to win people over. Nathan's first instinct when he first heard about this. 11:42 The psychology of conspiracy theories and how they form. Nathan shares his thoughts on current EMP messaging and how to improve it. The challenge of explaining urbanism to the left. Dark money and deregulatory talk. Is there a conspiracy on twitter? 17:36 Skepticism toward power, paranoia and lack of ability to work around it. Twitter is toxic. Lessons learned from twitter. 20:31 Lessons learned from tiktok and how he manages his communications. Tiktock is a health sign. The benefits of being a youtuber on Twitter and tiktok. Making a statement for yourself. Contrarian rebelling on social media. 25:20 Being an anti-group from a young age. The internet is full of people like you. The intellectual dark web and social media. How social media is like the urbanist movement. Emv vs urbanest in their bio. Freddy de boer, critical of vmb. The aesthetics and vibes of a movement. 31:55 Reservations about joining a group, aesthetics, vibes and who's in the room. Deep blue texas. Defining the differences between left and right. How humans work, and why it matters. How do we interpret our political leanings? 36:19 No party is free of guilt. Tribalism is any kind of group thing. AOC is a lightning rod of discourse. AOC and the left-right divide. Practical examples of the problem with framing and framing. 42:05 The difference between a conservative and a conservative. Practical examples in activism. Single-family zoning and how it is framed. How conservatives react to single- family zoning. How to get people to care. 47:03 Why most people don't care about politics. How to choose the right messaging. Reframing politics around culture and policy engagement. Taking a step back regularly to recalibrate. Advice to the young people. 52:28 Ten good-faith, thoughtful arguments vs one or two bad-faith responses. Online friends vs real-life friends. Advice for a budding movement trying to change the world. Follow their passions. Where are your strengths? 56:59 Everyone is passionate about something, even if it's something stupid. Not everybody can be joe rogan. The anti-podcaster meme, and why it's a bad thing. Bismarck analysis newsletter. narratives - nathan final Summary Nathan's background. 0:05 Introduction to the podcast and the guest. Nathan's bio and his interest in urbanism. Stumbling into the discourse of urbanism. How he first got interested in the topic. Nathan's marketing background. 4:02 Nathan talks about marketing and movement. Nathan shares his take on marketing. How to best navigate social media discourse? 6:15 Observing various forms of discourse on social media. Cars vs other forms of transportation. The 15 minutes cities conspiracy theory going viral. How to win people over. Nathan's first instinct when he first heard about this. 11:42 The psychology of conspiracy theories and how they form. Nathan shares his thoughts on current EMP messaging and how to improve it. The challenge of explaining urbanism to the left. Dark money and deregulatory talk. Is there a conspiracy on twitter? 17:36 Skepticism toward power, paranoia and lack of ability to work around it. Twitter is toxic. Lessons learned from twitter. 20:31 Lessons learned from tiktok and how he manages his communications. Tiktock is a health sign. The benefits of being a youtuber on Twitter and tiktok. Making a statement for yourself. Contrarian rebelling on social media. 25:20 Being an anti-group from a young age. The internet is full of people like you. The intellectual dark web and social media. How social media is like the urbanist movement. Emv vs urbanest in their bio. Freddy de boer, critical of vmb. The aesthetics and vibes of a movement. 31:55 Reservations about joining a group, aesthetics, vibes and who's in the room. Deep blue texas. Defining the differences between left and right. How humans work, and why it matters. How do we interpret our political leanings? 36:19 No party is free of guilt. Tribalism is any kind of group thing. AOC is a lightning rod of discourse. AOC and the left-right divide. Practical examples of the problem with framing and framing. 42:05 The difference between a conservative and a conservative. Practical examples in activism. Single-family zoning and how it is framed. How conservatives react to single- family zoning. How to get people to care. 47:03 Why most people don't care about politics. How to choose the right messaging. Reframing politics around culture and policy engagement. Taking a step back regularly to recalibrate. Advice to the young people. 52:28 Ten good-faith, thoughtful arguments vs one or two bad-faith responses. Online friends vs real-life friends. Advice for a budding movement trying to change the world. Follow their passions. Where are your strengths? 56:59 Everyone is passionate about something, even if it's something stupid. Not everybody can be joe rogan. The anti-podcaster meme, and why it's a bad thing. Bismarck analysis newsletter.

My guest this week has a very intense musical background, with proficiency in four different instruments: piano, saxophone, oboe, and double base. He currently performs to this day and makes a concerted effort to have a very strong presence in what he calls the four F's of life: family, fitness, fintech, and flavor! Phos CEO Brad Hyett has a passion for trying new things, going new places, meeting new people, saying yes to things outside of his comfort zone and doing it all with a fintech spin in company socks!For those of you who may not know, Phos is a softPOS technology platform enabling contactless payments onto mobile devices with no requirement for exclusive payments specific hardware. They offer a softPOS payments orchestration platform to complement the pain points typically associated with going to market through softPOS solutions and they target their main verticals (mobility, charity, and retail) with commercial-off-the-shelf (COTS) devices that are not specifically certified for EMV usage. How do they make it work? They replicate an EMV level certification in the cloud to enable these products to offer integrated an optimized contactless options.As for their competitive advantage, Brad will be the first to say that they offer a customizable solution that enables them to meet their customers where they are and take them where they want to go, in a way that offers much more flexibility and potential than their current competition.Tune in this week to hear Brad talk about his journey to CEO, including a “predestined alignment of the stars” that enabled his wife to replace him at his previous company, prior to his tenure with Phos. We also talk about the evolution of contactless within our global ecosystem, as well as the upcoming M&A spree Brad expects within the industry over the next several years.

The 16:9 PODCAST IS SPONSORED BY SCREENFEED – DIGITAL SIGNAGE CONTENT In the early years of digital signage networks - particularly those that were ad-based - operators would often describe how their medium was captive. The proposition was that people stuck doing something - usually waiting - would pass their time looking at a screen. Then smartphones came along, and there went that notion. Except in places like gas stations, where people still needed to be somewhat focused on the task. A company called GSTV has been running a digital signage channel on the screens of fuel dispensers for almost two decades, and is deployed at more than 25,000 locations. The company dominates its category, and the mix of programming on the pump screens has 100 million unique viewers. The pitch to planners is far more sophisticated these days than the captive audience thing - something very obvious in this talk with CEO Sean McCaffrey, who gets into a lot of detail about the benefits for consumer brands and for the gas station and C-store operators who work with GSTV. Subscribe from wherever you pick up new podcasts. TRANSCRIPT Sean, thank you for joining me. It's almost weird to think about, but your company and your medium is actually a pretty mature medium now.  Sean McCaffrey: It is. I still look at it as very new. I've been with the business for five and a half years, and when I describe it to people at a backyard barbecue, and they ask what I do, I say: I run a six-year-old startup that happened and have a one-year proof of concept. So to your point, we've been around for 15+ years as a sector, if you will.  For people who maybe don't live in the United States, describe what it is that goes on.  Sean McCaffrey: Yeah, no problem. So GSTV  is a national digital video platform in 205 US markets. Out of 210, we reach about 50% percent of US adults every month, about 116m monthly unique viewers, and we connect with consumers three to five minutes at a time, three to five times a month when they're fueling up their vehicle. So think about it as a very habitual serialized engagement week in and week out when someone stops to fuel up as they're running errands on a road trip, on their way to the ballgame on a Saturday, that sort of thing, and we partner with the fuel and convenience retailers in the US to put in this amenity, provide information, entertainment, that sort of thing, and focus on building value for brands, agencies, retailers, and consumers, and we work with a variety of large chains, small chains middle market, kind of everything in between. And the nut of it is you've got a screen embedded in the fuel dispenser.  Sean McCaffrey: Correct. Our screens come embedded in the fuel equipment, which is a long-term hardware purchase decision for fuel retailers. The retailers get it as an amenity, and they get a small amount of promotional time within our show. There are shared economics amongst the parties obviously as well, and then we build a consumer experience that provides value to the retailers, value to consumers, and then brands and agencies can integrate in any number of ways. The way we look at it is we program a show every day. Every station is like an addressable household. The household has more family members, so we could have tens of thousands of different versions of the show on any given day, depending on what content and what advertising is running.  Now, we don't go probably down to that level of customization just based on how brands use it. But think about urban, suburban, weekday, weekend, all those lake and beach communities, let's say all summer long, that is a very different population from Thursday to Sunday, let's say in July versus January. So lots of ways to customize the entertainment, content, commercials, advertising, and so on. I have a bit of a past with this stuff going back to the early to mid 2000s when there was a Canadian company also looking at this, and at that time it was extraordinarily challenging to put a piece of electronics on a fuel dispenser that's sitting on top of a reservoir of thousands of gallons of flammable liquid. It was a little nerve-wracking.  Is it now a standard piece of kit, so to speak, for the fuel dispenser manufacturers like the Gilbarcos of the world? Sean McCaffrey: It is, and you're right, that era in the early to mid two 2000s, not just in our space, but really in broader digital signage or digital outta home, if you will, in general. There was a lot bigger hardware literally and figuratively, hardware and software challenges to solve. Now, they're not done today, but all of this has come a long way. So for our business today, yes, it's a very standard part of what our great partners at Dover and Gilbarco both produce. The retailer can make a choice on the equipment that they want to buy and everything comes kitted out for them. There's an upgrade opportunity if they have equipment already. There's a new equipment purchase opportunity, so there are obviously several different SKUs of hardware products they can buy, and then it's all IP addressable, and all enabled that our team runs. And we have a network operating center that it's all built on and enabled programmatically in terms of scheduling as well.  So it's really come a long way. Anyone that is involved in digital signage or the digital out-of-home space knows that mid two 2000s era, call it 15-20 years ago, there were lots and lots of networks trying to put signage out there in hopes of I think advertising would follow. A lot of it was probably a solution in search of a problem, as they say, and today, we're very focused on our place in the value proposition, so to speak. So our retail partners really care about that 20-foot consumer journey. Someone fueling up and then going in the store and buying anything. The hardware partners, they want a great product and to be able to offer this as an amenity, and then for consumers, our time is precious today While it's not a channel selection, you're not gonna binge watch hours and hours of our programming, let's say, in the way you might Netflix or Peacock. It is an opportunity to provide value to consumers, entertainment information, and that sort of thing. So come a long way in all regards, I think, and not just hardware.  And so you can retrofit an existing fuel dispenser, right?  Sean McCaffrey: They're some of the old SKUs of hardware, not necessarily, but yes, for the most part, it's generally an upgrade available.  And is that something you put on top of it, or you replace the screen that's in there?  Sean McCaffrey: It replaces the equipment that's already in there. One of the reasons that the businesses came together in a joint venture in early 2017 was first of all to provide some scale in the space. But second, there was a push from the credit card companies for a payment processing upgrade. So the EMV technology Europay, MasterCard, Visa. There was a requirement from the credit card companies that all the fuel and convenience retailers in the US had to upgrade their credit card technology. So that was an obvious time then for every retailer to decide on a larger upgrade cycle what they wanted to do, and many of them chose to augment it with screens that they didn't have previously.  So this is not a build it and they will come thing at all where you're incurring the capital cost to put this in, it's the fuel retailer?  Sean McCaffrey: Correct. That was the earlier generation of the business where some of the predecessor companies you probably know, or the company that you mentioned where there were screens that sat on top of the fuel dispensers of various sizes, and you then incurred every challenge you have beyond CapEx, just the installation, the maintenance, that sort of thing. These are all dispenser-integrated units. So the CapEx is built into the economics amongst the various parties.  And is the primary motivation to get people into the convenience store, because most few retailers these days seem to have a retail store associated with it, or is it the revenue share that they might see out of it or they do see out of it? Sean McCaffrey: It's primarily to drive people into the stores. A couple of percentage points of growth in soda and snack sales is I think a lot more interesting to most than the advertising revenue.  That's not to say the advertising revenue is not substantial or interesting, but there's lots and lots of data that the industry publishes every year here in the US about the volume of consumers that fuel up and just drive away, don't go in store, the volume that does go in store and what they purchase, and so any opportunity to drive sales in-store and raise basket size once somebody is in the store, for example, it gets you to buy a snack instead of just a soda, get you to buy a snack and a soda and a lottery ticket, you name it, is useful, and there's a great deal of sophistication in the space as well.  I think most consumers in the US are familiar with the largest brands, the 7-Elevens, the Circle Ks, and that sort of thing. But there are a number of what I'll call major and mid-major regional chains anywhere from 800 to 1000 stores down to maybe 50 to 100 stores where they've got a loyalty app, they've got a promotional program, so very sophisticated folks in the space that I think a lot would be surprised about to learn. I think the difference in fuel and convenience in the US to, let's say, grocery or big box or some of the other large physical retail channels, there isn't consolidated ownership that you see in those spaces. So at times, I don't think consumers really understand the size of the sector, but the fuel and convenience space is more than 3% of the US GDP. So it's a huge economic driver, and so back to the retailer, they care about that 20-foot consumer journey and getting more people to come in and then buy more once they go inside. I'm assuming that in the early days, you were selling the dream that if you do this, people will go into the store, but now the, the, there's analytics, there's the level of sophistication that can give you some data that will prove out that, yeah, this they saw this and then this happened, or how does that work? Sean McCaffrey: Absolutely. It's a great question. So obviously, the retailers have their own first-party data relative to sales. So they have an understanding most directly if something's being advertised out in the forecourt, and then sales go up in the store, they know. But we work with a number of third-party partners, IRI and Catalina, as two examples to measure sales lift both in the store and then nearby, in adjacent grocery stores, big box retailers, pharmacies, that sort of thing. Because there's an old cliche in advertising, right? That half of my advertising works, I just don't know which half, and that's not been good enough for a long time. We had 135, I think the number is, research studies in the field last year with clients from upper funnel analytics, brand favorability, and brand recall, down to much lower funnel direct sales and sales lift metrics. And so we've been at that for 5+ years now, and we start to see to some degree what you would expect, in other words, for CPG products in the fuel and convenience store. For very mature trademark brands and large-scale products, we might see a 1-3% sales lift which is huge for really established, CPG brands. For newer brands, li brand extensions, and things like that, we might see high single-digit, low double-digit sales lift, which is also great, and that's been validated by a number of the CPG brands that we work with as well. Obviously, the larger ones have very sophisticated in-house marketing sciences teams and do all sorts of market mix modeling. So even though we fund studies with IRI and Catalina, which are really well-established partners. The brands also do their own modeling and report good results.  It's a lot of what you would expect, I think, in that there's an opportunity to drive someone for an impulse convenience purchase when they're 20 feet away, if they're slightly hungry or slightly thirsty or many of the fuel and convenience retailers have pretty sophisticated food service programs these days and so if somebody's grabbing lunch or dinner, they've got a lot of choices. They can go to a grocery store and get a prepared meal. They can go to a drive-through at a QSR next door, or in some cases, they can go inside the field and convenience retailer and get pizzas and sandwiches and other things. We've got hungry consumers and a big opportunity to influence them but from a measurement standpoint, we've got lots of ways to draw a straighter line between the advertising impression and the business outcome. If you're doing that volume of research that repeatedly suggests that there's still some skepticism among the brands that they go, prove to me that this works. Sean McCaffrey: I wouldn't characterize it as skepticism as much as I think there's a spectrum depending on the category, and for example, an auto brand, the KPIs that they're looking for are dealer visits or site visits or someone going in and starting to build a vehicle. CPG brands obviously look at sales, and financial services brands look at card usage, card signups, and that sort of thing. So depending on the category, we've commercialized research capability with a couple of household names: Foursquare, Axiom, MasterCard, ISI, Catalina, and plenty of others. So our sales and marketing team can simply say “yes” when a client says, can we measure it? Some categories are more mature for us, for sure. Auto, CPG, financial services, insurance, you name it. There are some that are earlier adopters to us. Entertainment's one, for example, where we can show the trailer and tell somebody to tune in tonight, binge-watch it this weekend, et cetera, and so we've got a good diversity amongst categories. So in some cases, it's a newer brand, and they want to test and learn and then measure and grow. In other cases, it's brands where measurement is just a part of every single thing they do.  To my earlier point when I came up in advertising, I worked in a legacy radio business, a legacy billboard business where those are classically regarded as more, upper funnel reach media where we weren't typically asked to measure business outcomes or direct results, and I think today, especially in the current economic environment, particularly over the last decade, advertisers are looking to measure every marketing dollar they spend realizing it doesn't all do the same thing, right? The Super Bowl ad is not the same as a buy-it-now ad on social media or something like that. But the research that we do is on some well-established clients and some new clients, but I wouldn't say it relates to skepticism more so just that brands today expect everything to be measured,  And you also, I believe in the last two or three years have introduced capabilities to not only push people into 20 feet across the Forecourt, into the C Store there, but to the grocery store that might be five blocks away, that sort of thing is. Why did that happen, and what are you seeing out of that?  Sean McCaffrey: So the interesting thing I've learned more than I ever thought I would know about the fuel and convenience space, much less consumer behavior on the day people fuel, so we produced some research about five years ago with MasterCard, and then we did an updated version with a much deeper dive the last year with Affinity Solutions, which has credit card and loyalty card data to basically look at the way people spend money every hour of the day, every day of the week, online, offline, with then one filter, if you will, added: the day people fuel up and is anything different, and it turns out it's really different. Fuel Day is a surrogate for a lot more grocery shopping, a lot more QSR visitation, a lot more pharmacy stops, big box retail, do-it-yourself, that sort of thing. So Fuel Day is a very differentiated day for consumer behavior and consumer spending. So with the rise of retail media as an investment channel over the last couple of years. In other words, with Walmart starting a media network and Kroger starting a media network, we started having more and more of our CPG partners come to us and say, “Hey, we want to apply this sort of thinking, this retail media, commerce media thinking in the fuel and convenient space. But there isn't anyone with consolidated scale and the way there is in grocery and big box.” So as big as the biggest retailers are in our industry, you put the top five together, they have less than 20% of the sector. So we are the largest consolidated network in US fuel and convenience in terms of ad-supported media. We launched a product called GSTV Amplify, which is really a parallel path. Number one, it's about driving sales in the fuel and convenience stores, which is critically important, and then number two, it's recognizing that our consumers are 5-7 times more likely and spending that much more on the same day to go next door to a grocery store, QSR, you name it. So the agencies and brands that are spending money across retail media, in grocery, retail media in the big box, they can leverage that data, they can apply that thinking with us.  I had one Head of Investment at an agency say to me, this is basically the last TV ad someone can watch before they go into the grocery store. And I said if that framework helps you, sure, that's one way to look at it. We're in the solutions business. So from a scale standpoint, I mentioned our business. If you took the food and beverage sales at our stores compared to the largest grocery chains, what is the 10th largest grocer in America? If you added fuel to that like Kroger and Albertsons do when they when counting the numbers, we are the fifth largest behind Walmart, Costco, Kroger, and Albertsons. I'm not selling produce, I'm obviously not building physical retail stores, but I say it just to give an example of consumer purchasing power, right? And that's what brands and agencies are trying to find, the proverbial right place, right time, the right moment to find real attention and impact consumer behavior. Is there any kind of an audit trail? So if I'm on my big shop day and I stop at a fuel retailer and use my MasterCard to buy 12 gallons or whatever it is, and then I go to Costco, and then if it's me, I'll probably go to the wine store or something. But is that traceable? Is there a way of saying, okay, Dave got fuel at 11, and at 11:30, he bought stuff at Costco and so on?  Sean McCaffrey: So yes and no. Yes, in the sense that yes, we can do what you're describing. No, we're not tracking Dave specifically, right? We do not collect first-party data. So often, a question I get is if people are swiping their credit card at the field dispenser, so you know it's me. We do not collect and track that credit card data or any other data. What we have is a naturally data-rich environment. There is that credit card swipe, there is a device ID typically in the vehicle or on the person, and device IDs and credit cards are well-worn ways to connect to household identity graphs, loyalty card data, and other ways. So yes, so what you described, we do with partners. So depending on the category, CPG brand, or auto brand, we can do that walk back to impact to show sales lift, brand lift, or any other KPIs. We do some direct surveys.  There are companies, obviously, that do mobile location surveys that push advertisers for different things. But we work with well-established privacy-compliant industry partners to track that. As well as work with many of our brand and agency partners directly. Because the big agencies all have their own data operations these days, most of the big brands have an in-house marketing sciences team tracking all this. So what we decided to do when we were launching our approach to data analytics and research is not to build another black box that nobody was asking for, or nobody needed. What the big agencies and brands said to us is that we just need input. We need to be able to input the GSV exposure into our tools the same way we input a CTV impression or a YouTube impression or you name it, so they can understand the impact on the campaign because it's obviously never one thing. All of these ad impressions combined to provide impact to the brand and agency. But one of the things that were interesting to me when I consider joining the business is that it is much more of a mid to lower-funnel ad exposure opportunity. It's naturally frequency capped, right? We're going to see somebody three to five times a month, not three to five times a day when that banner ad follows you around the internet. So the fact that we do have these data signals that we can use, again, in a privacy-compliant way to track success metrics is important and a differentiator for us. Is it easier to do all that stuff now because of all the API integrations and AI and everything that's come along as opposed to in the past where yes, we have that data, but we're not sharing it with you?  Sean McCaffrey: It has, I think for a lot of different reasons, whether it's the rise of retail media, whether it's the acceleration of machine learning, tools, and this sort of stuff, or the big agencies all purchasing their own or building their own data operations, whether it's Epsilon, Axion, Merkel, that sort of thing or others like Omnicom. Everybody understands they need a privacy complaint consumer to opt-in to track this stuff, but then it's also important to have interoperability between all of this to measure. It doesn't do anyone much good to have a bunch increasing. walled gardens, right? So today, whether it's a cooperation-type environment or an industry-standard environment, it's a lot easier. At least in the US market, combined with the changes in the advertising market over the last decade. In other words, the value of the living room wall. Is certainly challenging now compared to when I was a kid, and there were three TV channels, and it was, every night was must see tv. Today we spend our time as consumers quite differently. That change was only accelerated with Covid as far as people splintered viewing habits, and then the disruption in signal loss and digital now with device IDs and other things being sunsetted, the deprecation of cookies. It's moving most advertisers into more, I think, middle-of-the-funnel analysis. In other words, not everything is a buy it now button sort of conversion—the proverbial last-click attribution of a decade ago. So for us, GSTV, is what we hear often from our advertising partners anyway. If we have the scale of broadcast, which they like because of most categories, you just still need a lot of people. We've got some level of digital muscle memory for targeting attribution. Then it is this real-world consumer opportunity, which is what people generally get excited about around mobile and out-of-homes. So it has the sort of DNA of several interesting things to advertisers, and we've built a team around the business on the sales and marketing side that comes from various big firms in the digital and video space. On our retail success team. I have a great team that literally helped build the network going back 10 years plus, and those two teams really parallel paths are commercial relationships and client service. So we have a retail success team that is just as focused on our commercial relationships with our retailers and our hardware partners. As is, our sales and marketing teams focus on the brands and agencies. The retail success team that's nurturing the footprint that you already have, are you still building that footprint, or is it built out?  Sean McCaffrey: Yes, we continue to build it. So a natural upgrade cycle still happens every month, every quarter, and every year, where we have retailers deciding to upgrade their equipment and add new sites. And then we have a very high 95+ percent renewal rate from retailers that have us already, and so the network is about a third of the fuel and convenience sector in the US today. At some point, it'll probably get north of half, and then beyond that, there's a point where we've probably ended up getting every retailer who's wanted this as an amenity because it is a different retailer. It's a retailer that is generally a little more focused on the customer experience, a little more focused on Forecourt conversion, a little more focused on end-to-end sort of promotional comms, and so on.  So there's no mission here to get every fuel and convenience retailer in the US just due to the nature of the space. But yeah, we continue to grow every month, every quarter, every year.  It's a case where it sounds like you have most of the markets that you'd want to be in any way so once you get to all that number, I forget what you said, it was 240 or something like that, at that point, adding more screens maybe doesn't matter all that much, right? Sean McCaffrey: Yes, you're right. It's one way to look at it. But I wouldn't say we'll be happy once we feel we've partnered with every fuel and convenience retail in the US who like us, I think their business continues to change. So as they think about forecourt-to-store conversion, integration with their loyalty apps, and promotions, we're talking to some commerce partners, some loyalty partners, and different people like that where can we potentially provide a service and another service and amenity to the retailers? Not everyone has the wherewithal or the financial structure to build that on their own. Can we go into parallel and adjacent spaces? We've typically not gone inside the store. We've not wanted to compete with our retailers in a way. But several have come to us lately wondering about their own sort of digital consumer experience journey, and there is an opportunity to partner together. So we're talking about that, and then the actual incorporation of the company. We do business with GSTV, but the actual incorporation of the company is destination media. And there's some thought to that in the sense that. We are a national digital video platform consumer, the literal consumer journey. There might be other places and spaces, high dwell time environments where it's somewhat similar to what we do today, where there's a premium audience we can define an entertainment and information amenity, and so are there opportunities to continue diversifying our consumer touchpoints, Channels within a platform-type environment where we can provide some additional value to the people we think about today, which is a long way of saying we're not going to build more screens or buy more screens just to get more screens. But I think there's some natural one plus one equals three or four or five with other potentially parallel channels or spaces beyond the fuel and convenience store.  Yeah, you would think that. My experience is that end-user customers are not looking for more technology vendors. They'd like to slim out the number that they have. So if you have enabling technology that could do the video marketing inside the stores they'd probably be pretty motivated to go that way as opposed to sourcing some other vendor.  Sean McCaffrey: We agree. I think there's a moment in time right now that to me feels a bit like that era you referenced earlier. In other words, in the mid 2000s where I think there are a lot of people, at least at this moment in time, running around suggesting hang screens anywhere you can hang screens, create experiences, sell ads and there's almost a suggestion that it's just that simple or just that easy, and anybody that's done it knows it's not, and it's really hard. And also, it needs to be there for a reason. In the mid two 2000s, there were a lot of networks that were well-funded and had great management. And, 2008's, recession aside, never really got off the ground because they were building a solution that really no one was looking for, vs. today, I think whether you're building a commercial real estate project and you're considering digital signage or you're doing something like we are, you have to think about how are you providing value?  And for us, we're doing something that would otherwise be overhead for the retailers and difficult to do at scale, and it was challenging when five or six companies were doing what we're doing, and they all were pretty small. It was tough to get the attention of larger brands and agencies. So yeah, whether it's the hardware and software capability, or the sales and marketing engine, or the combination thereof, we're happy with what we've built so far. By no means do we think we're done, but we're looking to be a solutions provider to partners and if somebody has a network or is considering building a network and we think we can provide value, we're certainly going to talk to them.  Do you have competition?  Sean McCaffrey: There is one small provider in our space that I believe has a couple of hundred locations right now. They work with a different hardware provider that we're contractually unable to work with. We're very focused on the fuel and convenience space from a retail partner standpoint, but from an advertising standpoint, I often get, who's your competition? Is it people in the movie theaters, or is it people in the airport or the malls? And no, we don't sell screens. We don't charge $100 a screen or $200 a location. We sell an audience, and you can slice and dice that audience in several different ways. So when we talk to advertising partners, it might be a major national CPG this morning, and they're launching a new product in the southeast this summer, and we're talking about that. We might have lunch with a television team at a big agency that's trying to find people who buy reach curves and things like that. And then late afternoon, it might be a digital auto home team at an agency looking for proximity to a QSR, and they want everything within five miles of a particular QSR.  We're competing for ad dollars in the television space, the digital video space, the retail media space, and the digital out-of-home space. And we don't have the luxury to say we're only one of those things, but I think we've got the opportunity to compete and take share across that spectrum, and that's really how we've grown. So the business has more than doubled in size in the last couple of years, both in employees and revenue. And it's mostly because our sources of advertising revenue have come from just a wider and wider part of the advertising landscape.  Does the business runway have an end to it because of the rise of EVs and EV charging stations and so on? I would imagine it does, but I think it's probably like 15-20 years out. Sean McCaffrey: We don't think of it as an end as much as an evolution, right? No one is debating the emergence of EV vehicles, no one is debating the eventual roadmap of electric vehicle charging. I think everyone, at least in the US anyway, is debating how long it's going to take, number one and number two. Number two, perhaps most importantly, is how's it gonna be paid for. There's never going to be enough tax subsidies to support all of it. So there we announced last year, we announced a partnership with our labs in ChargePoint to build an ad supporter network with ChargePoint, who's currently the largest large provider by a long stretch by probably a factor of five, the largest EV charging infrastructure provider where just like our business today, we think there's an opportunity for an ad-supported amenity to build out that infrastructure, and there's a bunch of advertising-supported models that have helped build out critical infrastructure going back to the early days of television and radio and everything since. Ad supported models help build us out. So we're excited about the relationship with ChargePoint and a number of their partners, and we think the journey for consumer behavior is going to be a long time, still a multi-decade transition, and as I alluded to earlier, the way we think about our business and the broader destination media sense is the platform and foundation we built in fuel and convenience is hugely important and hugely critical infrastructure today. But whether it's the EV platform, that's really our second network or a third, fourth, and fifth one to follow. We think time spent outside the home is going to continue to grow and add supported opportunities to identify those consumers, and serve them something relevant, measuring the success on the campaign is going to continue to be critical. So we remain pretty excited about the future, both the business we have today and the evolution it can drive for us.  That was super interesting, and time just flew by. I had many other questions to ask, but we'll have to do this again if you're willing.  Sean McCaffrey: Yeah, I'd be happy to. I really enjoyed the conversation. Thank you for having me. 

Bienvenue sur INFLUENCE CORNER, le podcast pour la série spéciale anniversaireInfluence Corner fête ses 2 ans. 2 ans de conversations passionnantes et inspirantes avec des femmes et des hommes qui ont vu le secteur grandir et se professionnaliser.L'influence, c'est un secteur qui évolue vite, où chacun conçoit un peu ses propres règles pour créer sa campagne d'influence. Et il n'y a pas une seule manière de faire de l'influence et ça peut parfois être difficile de suivre la cadence.C'est pourquoi j'ai eu l'idée de créer cette série de tips pour pouvoir vous poser les bonnes questions avant même de lancer votre stratégie d'influence.Retrouvez Influence Corner tous les 2 jours pendant le mois d'Avril. 1 conseil en 5 minutes chrono pour plus d'efficacité et de créativité.Dans le tips du jour il s'agit de choisir les bons KPI pour votre campagne : Taux d'engagement Mesurer la popularité de votre contenu : Impressions vs couvertures ? Roi : nombre de visite vers le site ou les ventes générées avec le code promo EMV : cliquez ici pour mieux comprendre son calcule Rejoignez le Carnet de Bord de l'influence, la newsletter mensuel du podcast sur Substack Pour rejoindre la communauté du podcast sur Instagram et me rejoindre sur Linkedin Prenez 30 secondes pour noter et laisser plein d'étoiles sur Apple Podcast et Spotify, cela aide le référencement du podcast. Et si on faisait un audit d'influence ensemble ? écrivez-moi à : hello@influencecorner.frBonne écoute, Myriam OUNI Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Did he have a right to feel this way? Was this really forbidden by law—this wonderful frightening emotion! And, His plans were thorough. Every risk had been closely considered. Now Ron Carnavon, ruthless convict, was ready to loot the wrecked spaceship of its sapphire treasure, and thrust his warped power around the entire, antagonistic EMV triangle. The Robot Who Wanted To Know by Harry Harrison and Wreck Off Triton by Alfred Coppel, that's next on The Lost Sci-Fi Podcast, with at least one lost vintage sci-fi short story in every episode.We've got two short sci-fi stories for you today during our 1st Anniversary Celebration. Author Harry Harrison makes his debut on the podcast with a short story I really love. Harrison was born in Stamford, Connecticut in 1925 and released his first short sci-fi story in 1951. After finishing High School in 1943, Harrison was drafted into the U.S. Army Air Forces during World War II.He was a prolific writer who wrote more than 50 novels and about 100 short stories. He wrote the novel "Make Room! Make Room!" which was the basis for the 1973 film starring Charlton Heston "Soylent Green." I LOVE that movie.First up on our 1-year anniversary doubleheader a story from the March 1958 issue of Fantastic Universe magazine. Did he have a right to feel this way? Was this really forbidden by law—this wonderful frightening emotion! Our story begins on page 91, The Robot Who Wanted To Know by Harry Harrison…The second half of our 1st Anniversary double feature takes us back to 1951 and it's the second story we've showcased from Alfred Coppel. His plans were thorough. Every risk had beenclosely considered. Now Ron Carnavon,ruthlessconvict, was ready to loot the wrecked spaceshipof its sapphire treasure. Planet Stories magazine included this Coppel story in its November 1951 publication. Turn to page 73 for Wreck Off Triton by Alfred Coppel…In two days on The Lost Sci-Fi Podcast…They were like creatures painted by a drunken artist, ghastly, utterly repulsive caricatures of humanity! Yet, twisted through they were, they were still human...  Monsters That Once Were Men by Robert Silverberg. That's next in two days as we wrap up our 1st anniversary week on The Lost Sci-Fi Podcast, with at least one lost vintage sci-fi short story in every episode.

Welcome to The Lost Sci-Fi Podcast, today we begin celebrating our 1st anniversary with three episodes, featuring 4 stories in 5 days! Greg was sure the kids had no right being in control of a planet; after all what had they learned about life? Still, what had he learned? The Pioneer by Irving Cox Jr. that's next on The Lost Sci-Fi Podcast, with at least one lost vintage sci-fi short story in every episode.Thanks for all your emails and comments. We received this very flattering email from dragonstein yesterday. “I just found this series and I absolutely love it! I have been binge listening! Thank you, thank you, thank you! I love vintage sci-fi, there is something magical and special which sets it apart from contemporary sci-fi. You have also introduced me to authors I never knew existed. I would really love for you to read some stories from Asimov's "The complete robot". Thank you so much again and please keep up the excellent work!”Thanks, dragonstein! We're glad you discovered us too. By the way we will accommodate your request with an Asimov story that happens to be one of my favorites. Is this vintage sci-fi story the inspiration for The Terminator? We always enjoy your emails, send us an email, scott@lostscifi.com or comment on our YouTube channel. We're kicking off our 1st anniversary week with a story from an author whose work has largely been forgotten by today's readers. This even though his writing career spanned several decades, during which he wrote over 100 science fiction and fantasy short stories, as well as a handful of novels. And the only audiobooks credited to Irving Cox Jr. we can find are audiobooks that we've narrated. We started narrating vintage sci-fi because of authors like Irving Cox Jr., who wrote great stories that had been forgotten. Stories that had never been available as audiobooks.There's been a lot of talk lately about Artificial Intelligence and its potential role in publishing books. But that's not as new as you might think. Today's author, Irving Cox Jr., was an early advocate for the use of computers in writing and publishing, and even wrote a computer program in the 1960s, 80 years ago, that could generate random plot outlines for science fiction stories. We don't know if he ever used it.Our story today comes from the pages of Imagination Stories of Science and Fantasy in October 1955. Greg had shown Man the way into space–and, ironically, the end of a way of life! Starting on page 82, The Pioneer by Irving Cox Jr…In two days on The Lost Sci-Fi Podcast our 1st anniversary celebration continues. Did he have a right to feel this way? Was this really forbidden by law—this wonderful frightening emotion! And His plans were thorough. Every risk had beenclosely considered. Now Ron Carnavon, ruthless convict, was ready to loot the wrecked spaceship of its sapphire treasure, and thrust his warped power around the entire, antagonistic EMV triangle.The Robot Who Wanted To Know by Harry Harrison and Wreck Off Triton by Alfred Coppel.That's in two days on The Lost Sci-Fi Podcast, with at least one lost vintage sci-fi short story in every episode.

Support the show by Subscribing to Our Channel.Gas station credit card scams (also known as credit card skimming) can affect anyone who uses their credit or debit cards at ATMs, gas stations, restaurants or retail stores. A skimmer is a device installed on card readers that collects card numbers. Criminals will later recover and use this stolen info for fraudulent purchases. In this episode, we talk about how this scheme works, how thieves make money with the data, and what steps you can take to hopefully avoid getting your card information and money stolen.Show Notes0:00 Why this topic8:00 The Darkweb: Honor among thieves?9:30 Favorite Soprano TV show scene11:15 EMV chip use in America  26:36 What's done with the stolen credit card info?30:30 Look how fast the fake credit card skimmer is installed!33:25 The Target hack34:15 Why you should cover the keypad when entering your PIN.35:40 What to do when spending money while on vacation. 40:30 Flipper Zero45:40 Cyber Security Resources For Women52:45 Major gas line problem causes 60 explosionsThank you to Ebony Nyenya from CSR4W.com for a great a conversation about this fascinating topic! ⭐ Also this is Cybersecurity Awareness Month! CSR4W.com has a very informative breakdown on the real reason Cybersecurity Awareness Month matters. Check it out by going here: https://cybersecurityresourcesforwomen.com/cybersecurity-awareness-month/

In today's episode of The Payment Technology Podcast

AboutMichael BlakeyMichael Blakey is the Managing Partner and co-founder of Singapore-based venture capital firm Cocoon Capital. Set-up alongside Will Klippgen in 2016, Cocoon adopts a hands-on, founder-first approach to early-stage investing. Before this Michael was an entrepreneur and since 2000 was a full-time angel investor who was named ‘UK Angel Investor of the Year 2015', selected as one of the Maserati 100, and classified as a "Business Angel you should know".BlackfrogBlackfrog Technologies Pvt. Ltd. is a Manipal, Karnataka, India-based technology startup company that seeks to improve the efficiency of immunization supply chains. We have developed a patented system for precision cold-chain and vaccine traceability with support from BIRAC (DBT) and leading impact investors in the nation including Venture Centre (NCL, Pune) and Social Alpha to provide logistical support in the last-mile delivery of vaccines.Emvólio is a portable, battery-powered refrigeration device that will strictly maintain any preset temperature for over 12 hours for the last-mile transport of vaccines. Emvólio's 2-litre capacity enables it to carry 30- 50 vials, which is standard for a daylong immunization campaign. Further device capabilities include continuous temperature monitoring, location tracking, state-of-charge indication, communication with headquarters via live tracking, and vital statistics for improved coverage.