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In crypto news today JPMorgan is working on Tokenization with Avalanche AVAX and Germany's fourth-largest bank, Commerzbank, granted crypto custody license.
Step into the complex world of global finance as we engage in an insightful conversation with Tom Luongo, a seasoned expert at the crossroads of markets and geopolitics. Luongo provides a deep analysis of the bond market and Federal Reserve policy, shedding light on the transformation being driven by Jerome Powell, the ultimate bond vigilante. Ready to unravel the intricacies of the shift from Libor to the SOFR market? This conversation will not only redefine your understanding but also forecast the implications of such policy transition on equity markets.Our discourse continues as we move into the intriguing tension between the US Treasury and the Fed. We traverse the influence of the Davos Scrum on US monetary policy, and delve into the potential existential threats to the Federal Reserve. Furthermore, we examine the strategic deployment of interest rates and leverage as tools of control for governments and politicians. Ever wondered about the role of the IMF during a sovereign debt crisis and how it could impact central banks? We've got you covered!As we navigate towards the end, we take a closer look at the future of global markets and the financial wars brewing between economic powerhouses. From the complex banking hierarchy in the United States to the friction between the New York and San Francisco Feds, the Fed and the ECB, and the Bank of Japan, we leave no stone unturned. Stay tuned as we scrutinize the ECB's potential as a safe haven, the implications of Congress's continued spending, and the massive holes in the balance sheets of European Central Banks. We tussle with the German auditor's report on the German Bank's bankruptcy and what it means for the European banking sector. This episode promises to broaden your perspective on the world of high finance and equip you with a fresh understanding of its complexities!ANTICIPATE STOCK MARKET CRASHES, CORRECTIONS, AND BEAR MARKETS WITH AWARD WINNING RESEARCH. Sign up for The Lead-Lag Report at https://theleadlag.report/leadlaglive and get 30% off as a podcast listener.Nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. The content in this program is for informational purposes only. You should not construe any information or other material as investment, financial, tax, or other advice. The views expressed by the participants are solely their own. A participant may have taken or recommended any investment position discussed, but may close such position or alter its recommendation at any time without notice. Nothing contained in this program constitutes a solicitation, recommendation, endorsement, or offer to buy or sell any securities or other financial instruments iSmartLabels helps you find your stuff in storage around the house or in your self storage unit! Just purchase the SmartLabels QR code stickers on Amazon to get started. The next time you need that thing you haven't used in a year you just search in the app and you'll know exactly where it is and in which container. Get your SmartLabels sticker pack here: https://theleadlag.report/smartlabels Sign up to The Lead-Lag Report on Substack and get 30% off the annual subscription today by visiting http://theleadlag.report/leadlaglive. Foodies unite…with HowUdish!It's social media with a secret sauce: FOOD! The world's first network for food enthusiasts. HowUdish connects foodies across the world!Share kitchen tips and recipe hacks. Discover hidden gem food joints and street food. Find foodies like you, connect, chat and organize meet-ups!HowUdish makes it simple to connect through food anywhere in the world.So, how do YOU dish? Download HowUdish on the Apple App Store today:
IN THIS EPISODE, YOU'LL LEARN:Mark's overview of monetary history leading up to the current events we see today in financial markets.How the world is currently seeing peak centralization.Mark's opinions on the Anti-communist manifesto.Thoughts on the SEC and regulatory guidance.Mark's thoughts on why PoW is so important.Mark's thoughts on NFTs and smart contract protocols.Thoughts on intel entering the ASICs business.Thoughts on Bitmex acquiring a 268-year-old German Bank.BOOKS AND RESOURCESMark Moss's twitter.Mark's Podcast and website.New to the show? Check out our We Study Billionaires Starter Packs.See the all-new 2022 Lexus NX and discover everything it was designed to do for you. Welcome to the next level.Yieldstreet allows you to invest beyond the stock market with an evolving marketplace of alternative investments. Create your account today.Push your team to do their best work with Monday.com Work OS. Start your free two-week trial today.Get access to some of the most sought-after real estate in the U.S. with Crowdstreet.Learn how to create wealth and passive income with Norada Real Estate Investments. Download your free copy of “The Ultimate Guide to Passive Real Estate Investing” today.Get in early on medical technology, breakthroughs in ag tech and food production, solutions in the multi-billion dollar robotic industry, and so much more with a FREE OurCrowd account. Open yours today.Join Commonstock's community of engaged investors to access exclusive financial data, follow and chat with fellow investors, get alerts when friends buy or sell, and make trades directly through the platform.Send, spend and receive money around the world easily with Wise.Be part of the solution by investing in companies that are actively engaged in integrating ESG practices with Desjardins.Updating your wardrobe or just simply looking for a new fall flannel? Head to Mizzen+Main and use promo code WSB to receive $35 off an order of $125 or more!Every 28 seconds an entrepreneur makes their first sale on Shopify. Access powerful tools to help you find customers, drive sales, and manage your day-to-day. Start a FREE fourteen-day trial right now!Reclaim your health and arm your immune system with convenient, daily nutrition. Athletic Greens is going to give you a FREE 1 year supply of immune-supporting Vitamin D AND 5 FREE travel packs with your first purchase.Find Pros & Fair Pricing for Any Home Project for Free with Angi.Canada's #1 employee benefits plan for small businesses! The Chambers Plan evolves with the way you work and live while keeping the rates stable. Opt for the simple, stable, and smart choice for your business.Make it simple to hire and manage remote employees across all 50 states with Justworks.Browse through all our episodes (complete with transcripts) here.Support our free podcast by supporting our sponsors.HELP US OUT!What do you love about our podcast? Here's our guide on how you can leave a rating and review for the show. We always enjoy reading your comments and feedback!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Coinstack - For Smart Crypto Investors - Bitcoin, Ethereum, DeFi & The Future of Money
In this week's episode, we cover BitMex Group announcing their plan to acquire a 268-Year-Old German bank, Coinbase partnering with Mastcard for NFT Marketplace purchases, as well as Brazilian asset manager Hashdex to launch a DeFi ETF that will include Uniswap, Aave, and Compound.
Germany's central bank says it has been inundated with damaged bank notes after deadly floods that hit part of the country in July. The notes are worth more than €50 million (¥6.1 billion), the bank said. The Bundesbank said Sept. 1 that individuals and banks have handed in notes that were soaked in the floods and often also contaminated with oil, sewage or mud. The damaged money is dried, processed and then destroyed at a center in Mainz that analyzes forged and damaged money, and its owners are refunded without charge. The bank said that the center usually receives damaged bills to the tune of €40 million per year. This year, it received €51 million worth of notes from the flood-hit areas in western Germany between mid-July and the end of August. Germans still tend to use cash more than people in many other European countries. After they are dried, the damaged notes are flattened out, verified and counted. The Bundesbank said it bought dryers to deal with the influx of dirty money, noting that it's important to process soaked notes quickly before they clump together and become as hard as concrete. (AP) This article was provided by The Japan Times Alpha.
#CryptoCorner Episode 486: Bitcoin Steady at $19K, Boerse Stuttgart's Bison Crypto App Sees €1 Billion of Trading Volume in 2020, German Bank Hauck & Aufhauser to Launch Crypto Fund in 2021, BIGG's (CSE: BIGG) Netcoins Registers Record Trading Volume for November
*During this generational transformation, has the technology revolution caused permanent changes to our economy and society?* *Today's Stocks & Topics: BYND - Beyond Meat Inc., Retirement,* *NVDA - NVIDIA Corp., IBM - International Business Machines Corp., HE - Hawaiian Electric Industries Inc., TEVA - Teva Pharmaceutical Industries Ltd. ADR, AMAT - Applied Materials Inc., Social Security, XOM - Exxon Mobil Corp.* Support this podcast at — https://redcircle.com/investtalk-investment-in-stock-market-financial-planning/donations Advertising Inquiries: https://redcircle.com/brands
Left and Correct is the only podcast where both of us are Left but only one of us is correct. Today we talk about Tik Tok, The German Bank, and Joe Biden's house. Producer: Jesus Ariel Rodriguez with Adrian Sexton and Zak Sommerfield with special guest Lorie Steele https://www.instagram.com/wonderwheelone/ Left and Correct is the only podcast where both of us are Left but only one of us is correct. Today we talk about Tik Tok, The German Bank, and Joe Biden's house. Producer: Jesus Ariel Rodriguez with Adrian Sexton and Zak Sommerfield with special guest Lorie Steele https://www.instagram.com/wonderwheelone/
Dark Towers : Deutsche Bank, Donald Trump and an Epic tale of Destruction by David EnrichThis is absolutely top notch, first class nonfiction written by the financial editor for the New York Times. It's about how Deutsche Bank were a conservative, upstanding German Bank (apart from the minor issue when they provided finance to build Auschwitz); and then decided to get into the UK and Wall Street at which point their new executives in those countries ran completely out of control and it's the most extraordinary account of corporate criminality and greed, and a company with no moral compass whatsoever. To get a foothold in the States, their best option was to do business with Donald Trump whom no other bank would touch. Trump is a relatively minor figure in all this but there are some nice insights. Deutsche had a spate of suicides at their senior executive level and the son of one of those men turned sleuth to find out what had really been going on in the company. It's wonderful.Sheerwater by Leah SwannFiction, set in Victoria, Australia. A young mother escaping a bad relationship stops to help when a plane crashes beside the highway, and when she comes back to the car her children have gone. This is a story of missing children, fractured relationships and the desperate search for two young kids who mysteriously disappear on their way to their new lives – an excellent thriller.
Dear listeners, in this episode, we meet, Jürgen Michels, the Chief Economist of the German BayernLB bank. The bank research team recently published a model that suggests the price of BTC to reach $90K after the halving in 2020. This estimation comes not from some random person, but from a state-owned German Bank. The moment I read the paper I instantly reached out to Jürgen and here he is on the Borderless Crypto. Some of the topics we cover include: What is the difference between hard and easy money? How do the USD, EUR, Gold and Bitcoin compare in terms of hardness? The stock-to-flow model as a tool for estimating the future price of bitcoin. The central bankers’ view on Bitcoin. Why is BTC a better store of value than GOLD?
In 1995 Nick Leeson single handedly sunk a 223 year old German Bank, Barings, by hiding 1.3 Billion in trade losses. It cost him everything and it started with a single, seemingly insignificant choice. Traci Phillips, The Innate Coach, shares her experience helping white collar inmates "find" themselves after they've lost it all. In this episode you'll learn: Where leaders lose it first How to get back on track Why you need to decide TODAY who you will be How to avoid the CEO slide You can connect with Traci at: FB: https://www.facebook.com/TraciPhilipsTheInnateCoach/ IG: https://www.instagram.com/traciphilips/ Website: https://theinnatecoach.com/ If you love this episode please leave us a review and share with your friends!!
Patrick Jenkins and guests discuss Warren Buffett's views on banks, JP Morgan's decision to boycott Brunei-owned hotels over the kingdom's anti-gay laws and why the merger talks between Germany's Deutsche Bank and Commerzbank failed. Contributors: Patrick Jenkins, financial editor, Laura Noonan, US banking editor, Oliver Ralph, insurance correspondent, Stephen Morris, European banking correspondent and Olaf Storbeck, Frankfurt correspondent. With special guest Isabel Schnabel, economics professor at Bonn University. Producer: Fiona Symon See acast.com/privacy for privacy and opt-out information.
Putting Deutsche and Commerz together might create a national banking champion. A more likely outcome, though, would be a poorly performing behemoth. Meanwhile, Volkswagen boss Herbert Diess commits the mother of all CEO gaffes. Plus: sizing up a Chinese housing unicorn. See acast.com/privacy for privacy and opt-out information.
David Crow and guests discuss what the ECB thinks of the creation of national banking champions, the prospective merger between Deutsche Bank and Commerzbank, Fidelity National Information Services's $43bn acquisition of Worldpay, and the attempt by Goldman Sachs to boost the number of women in its senior ranks. With special guest Andrea Enria, chair of the European Central Bank's Single Supervisory Mechanism.Contributors: David Crow, banking editor, Claire Jones, Frankfurt bureau chief, Stephen Morris, European banking correspondent, Jonathan Guthrie, head of Lex and Laura Noonan, US banking editor. Producer: Fiona Symon See acast.com/privacy for privacy and opt-out information.
Our top stories today: German bank giants in merger talks; US futures open mixed with potential catalysts ahead; and Fidelity National Information Services to buy payment processor Worldpay. Learn more about your ad choices. Visit megaphone.fm/adchoices
Patrick Jenkins and guests discuss the prospects for a merger between Germany's two biggest banks Deutsche Bank and Commerzbank, JPMorgan's revenue warning and the growing challenges facing the UK's fintech sector. With special guest Tom Merry of consultancy Accenture.Contributors: Patrick Jenkins, financial editor, David Crow, banking editor, Stephen Morris, European banking correspondent, Laura Noonan, US banking editor and Nicholas Megaw, retail banking correspondent. Producer: Fiona Symon See acast.com/privacy for privacy and opt-out information.
Guest: Andy Stein Age: 54 Years Location: New York, NY Bio: Andrew Stein founded the Orphaned Starfish Foundation in 2001 to help orphans, victims of abuse and at-risk children worldwide escape their cycles of poverty and abuse through education and job training. From humble beginnings building a small computer vocational training center in an orphanage for young victims of abuse in Santiago, Chile, he has built the Foundation to now serve over 13,000 children in 60 programs in 27 countries: Argentina, Mexico, Costa Rica, Panama, Peru, Honduras, Bolivia, Chile, Brazil, Nicaragua, Dominican Republic, Guatemala, Ecuador, Haiti, Cambodia, Colombia, Ethiopia, Paraguay, Puerto Rico, El Salvador, Uruguay, American Samoa & Nepal. Andy has partnered with local partners in each of these countries, including Save the Children, Rotary Club, and USAID. "Tio Andy! Tio Mago!" Andy makes yearly visits to each Orphaned Starfish program. Mago is Spanish for Magician. He brings a magic show complete with balloon animals for all the children. (His highest amount recorded was 1,000 balloon animals in one sitting.) His visits also allow for a personal connection not only to the children but to the institutions and their directors and teachers. Every visit helps OSF learn what is needed at our programs so we may better serve these children. Every trip also allows for new program scouting. For his work helping the children of the favelas of Brazil, Andy was awarded an Honorary Citizenship in Rio De Janeiro by their Congress. In the United States, he has also been awarded the Jefferson Award for Community Service, the key to the city of Miami Beach, NJ Islanders Hometown Hero, Commack High School Alumni of the Year, and several other state and local honors. He and the Orphaned Starfish Foundation have been featured on CNN, CNN en Espanol, Forbes, CBS News, Fox News, ABC News, Telemundo, and Univision as well as in the Wall Street Journal, Miami Herald, Star-Ledger, Jewish Week and US Magazine. Prior to his work with Orphaned Starfish, Andy was active in Special Olympics, Rotary Club, and Counterpart International. Andy Stein is a recovering banker having worked in banking for nearly 25 years. He was President and CEO of Makopastreet Partners, LLC. Makopastreet Partners provides senior debt financing for luxury and ultra-luxury hotel, and mixed-use developments, as well as infrastructure projects worldwide. Andy has been a featured speaker at several industry conferences worldwide and was a guest professor on the topic of international hotel finance at Wharton for the past several years. Andy was a Senior Vice President at a large German Bank, running their Hospitality Division and, prior to that was a Vice President at Chase and its predecessor institutions focussing on Infrastructure and Project Finance. From 1993 – 1996, Andy was based in Manila, the Philippines as the Joint Head of Corporate Finance for Chase’s (formerly Chemical Bank’s) Manila Branch. During his tenure in Manila, Andy developed the Bank’s project finance and hospitality expertise in the Philippines. Andy also was instrumental in the execution of the Brady Plan bonds, which restructured the bank debt of several Latin American and Asian countries. Andy holds a B.A. in Economics and International Relations from the University of Virginia. Andy is married to Dilia Stein and has two sons, all very much involved with Orphaned Starfish Foundation. Andy lives in New York City when not traveling for the Foundation. The World Needs More Of: 1. Caring for Others: People willing to give an opportunity to those most in need of it. 2. Love, Laughter and, of course Magic Wow Factor: My WOW factor is that I left a successful career in banking to spend my life dedicated to helping orphans, victims of abuse, survivors of trafficking, indigenous children and at-risk youth break their cycles of abuse and poverty. Over 18 years ago, I was one of the top fliers for Continental Airlines for all my business travel. I told each bank country manager that in order for me to get on another plane and pitch business, they had to find me an orphanage and time in the schedule to play with those kids, make balloon animals and help them with their work and homework. 18 years ago, in one such orphanage in Chile, the nuns told me that when each girl reached the age of adulthood, they had to leave the orphanage and each girl that left would become a prostitute or live on the streets. I started the Orphaned Starfish Foundation to help these girls, building a state of the art computer center in their orphanage, and it was magic. Six months later the younger girls were the head of their classes, the older girls learned computer skills, and, since we started, only one girl went to the streets, and all others got into university or got jobs. Favorite Color: Blue
In this episode we discuss: Vitalik Buterin's recent blog post on how to scale with layers The importance of soft forks CNBC's trash coverage WeChat and Alipay banned cryptocurrency commerce and chats The recent jump in hash rate Laurent's piece on measuring the value secured by PoW NIRP in Germany CFTF fine of German Bank for manipulating USD derivatives ETF denial then subsequent "reevaluation" Links: https://vitalik.ca/general/2018/08/26/layer_1.html https://twitter.com/matt_odell/status/963086673537126400?s=19 https://fred.stlouisfed.org/series/FEDFUNDS https://twitter.com/lopp/status/1019675622581391361 https://medium.com/@laurentmt/gravity-10e1a25d2ab2
DECENTRALIZED RADIO: DCTVWe believe in an exciting and inevitable future where everything that we do will be fundamentally touched and transformed by blockchain technology and the world will be an infinitely better place to live, work, and play.Consequently, our mission is to accelerate the growth of blockchain within the public conscience, vernacular, and culture through awareness, education, and entertainment.In fact, our first explicit milestone is to get 1,000,000 new folks into blockchain, bitcoin, and cryptocurrency! This is just the first of many steps!If this resonates with you then join us; you are the vanguard.Subscribe on YouTube - https://www.youtube.com/channel/UCueLJ4vLHTwMpYILmdBjRlgFollow on Twitter - https://twitter.com/decentralizedtvFollow on Google + - https://plus.google.com/+DecentralizedTVOriginal Articles on Medium - https://medium.com/decentralizedtvEmail List - https://mailchi.mp/fa9de7339b0c/decentralized-newsSupport Decentralized TV original projects!Crypto Social Exchange - https://yen.io/The Bitcoin Pub - https://thebitcoin.pub/Crypto News - https://cryptoyum.com/Coin Prices and More - https://coinpuffs.com/Learn the Fundamentals of Bitcoin - https://10daysofbitcoin.com/Follow the best podcasts from the best minds in the Bitcoin and Cryptocurrency space on twitter.https://twitter.com/bitcoinpodcasts
sources of stories from today: https://www.one-tab.com/page/LLEJfAcnTnazgFcvOd11yw ↓↓↓timestamps↓↓↓ 1:14 - Litecoin Foundation Partners With TokenPay to Acquire 10% Stake in German Bank 5:13 - South Korea is Officially Recognizing Crypto Exchanges as Regulated Banks 11:22 - New EU Directive Sets Stricter Transparency Rules for Digital Currencies 17:07 - Opera Becomes One of the First Major Web Browser to Include Native Crypto Wallet 19:53 - Bancor Urges Industry Players to Collaborate After $23.5 Million Hack 28:09 - London School of Economics Introduces Online Course on Crypto 33:46 - Augur Passes CryptoKitties: Ethereum App Sees $400K in First-Day Betting 35:44 - VC Firm Lightspeed Venture Partners to Invest $1.8 Bln in New Funds, Including Crypto Connect with us online at the following places: KRBE Digital Assets Group Website: https://krbecrypto.com/ Shop: https://shopkrbecrypto.com/ Newsletter: https://krbecrypto.com/join/ Services: https://krbecrypto.com/services/ About Us: https://krbecrypto.com/about/ KRBE Steemit: https://steemit.com/@krbecrypto SOCIAL KRBE Twitter: https://twitter.com/krbecrypto KRBE Facebook: https://www.facebook.com/krbecrypto/ KRBE Instagram: https://www.instagram.com/krbecrypto/ King Twitter: https://twitter.com/KingBlessDotCom Bitcoin Zay Twitter: https://twitter.com/bitcoinzay Donations welcome, but not necessary! Bitcoin: 1NTnWaGowHEh9VRWMXWTiqWpQT9vjP5Ukd Litecoin: LSc2bEAMEbGSHKx54GUt4xi1eZQqtscv8i INTRO MUSIC: Evan Finds The Third Room - Khruangbin OUTRO MUSIC: What It's All About (Instrumental) - Slum Village Thanks for listening and remember to subscribe for daily content where we give away free Bitcoin! ***Not a whole Bitcoin, a few dollars USD worth*** ------------------------------------------------------------------------------------------------------------ **This is not financial advice. The expressed opinions in the video are of the speakers. You can lose all your money in the cryptocurrency market, so be sure to do your own research before investing.**
Topics: Litecoin acquires 10% of German Bank, Ledger Live software launched, Opera browser built in crypto wallet, Ripple new hire, new blockchain phones, Binance defends centralized exchanges against Vitalik comments. Bitcoin for Beginners Crypto News Flash with the latest relevant daily news digest brought to you in bite sized pieces and live on www.youtube.com/c/bitcoinforbeginners/ If you enjoyed this podcast please SUBSCRIBE to catch all our future content; we will appreciate your support for this channel by doing so! If you have any questions definitely contact us and I’ll try my best to get back to you! Disclaimer: NOT FINANCIAL ADVICE! ONLY PERSONAL OPINION AND ENTERTAINMENT! CRYPTOCURRENCY IS INHERENTLY RISKY; CONSULT LICENSED PROFESSIONAL BEFORE INVESTMENT DECISIONS! Visit our website for great beginner resources: www.bitcoinforbeginners.io End scene music: Adventures by A Himitsu soundcloud.com/a-himitsu Creative Commons — Attribution 3.0 Unported— CC BY 3.0
Good morning, welcome to Payments Monitor, my name is Faisal Khan, today is the 26th of October 2015, some stories for today are: TOP STORIES Trouble is brewing for Deutsche Bank as the US Justice Department and the New York Department of Financial Services are expanding their probe of money laundering at the German Bank’s Moscow unit to what now may seem like potential breach of Western sanctions against Russia after its 2014 annexation of Crimea. The US Dollar trades being investigated amount to US$ 6 Billion. Some good news for China in the coming days, the International Monetary Fund have given strong signals that the Chinese Yuan could soon join the fund’s basket of reserve currencies, better known as Special Drawing Rights. SDRs were created in 1969 to boost global liquidity as the Bretton Woods system of fixed exchange rates unravelled. Champagne bottled are undoubtedly being uncorked at VocaLink, the British firm behind UK’s Faster Payments, as it signed a letter of intent with US bank based ACH The Clearing House. Clearing House says the ISO 20022 standard real-time payments system will be designed to help US financial institutions gear up and execute real-time payments. This is a big win for Vocalink that lost the Australian real-time payments deal to SWIFT, while it did bag the Singapore real-time payments deal. All this pushes up reasons for the rumors of a SWIFT + Ripple merger to happen. You can tell a lot about an economy from the way it orders its nuts and bolts. Daniel Florness, Chief Financial Officer of Fastenal Co told investors “The industrial environment’s in a recession. I don’t care what anybody says”. His reason for saying so? Declining orders for his company’s nuts and bolts. Spending across the US industrial sector has slowed down, with some industrial giants downright pulling back on machines and parts orders. Quarterly profits and revenue at big American companies are all set to decline for the first time since the recession. The markets are mixed on this Monday morning. The Dow Jones, Nasdaq and Crude Oil are all in the red, while US 10 Year Treasury Note along with the a stronger Euro are looking good in green! BLOG OPINION: We’ve all been educated in more ways than one, of how the US Federal Reserve makes money. How it can magically go to an imaginary printer and print US Dollars. What about the reverse, what does the Fed do when it needs to take money away from the money supply? Does it just go towards a shredder? Not quite. Episode 659 of NPR’s Planet Money addresses just that, titled “How to Make $3 Trillion Disappear”. The answer will surprise you. CLOSING THOUGHTS Fourteen years ago Steve Jobs showcased the iPod to the world. The reactions were mixed. MacRumors.com one of the oldest websites dedicated to the Apple fan community recorded the moment. In hindsight it is very easy to scroll back and roll-eyes at the naysayers. That 23rd October 2001 was a pivotal moment, and fast forward to today where Apple Pay just turned 1, it will be interesting for us to scroll back a few years from now and look at how the Naysayers reacted to Apple Pay. You can access all the links of this podcast on paymentsmonitor.com - That’s all for today, my name is Faisal Khan and you’ve been listening to the Payments Monitor. Speak tomorrow!