Podcasts about Google Pay

Hier gibt es den Pfingstmontag nicht. Auf Mallorca ist heute ein normaler Montag. Wir erklären die spanischen Feiertagsregeln nochmals. Viele der Urlauber auf Mallorca kommen immer wieder. Es gibt neue Zahlen zu den "Wiederholungstätern". In der Gemeinde Calvià können Sie demnächst den Parkschein mit Google Pay, Apple Pay und Co. per App bezahlen. Wir erklären heute bei uns im Podcast wie das funktioniert. www.5minutenmallorca.com

Chuck Joiner, Marty Jencius, David Ginsburg, Jim Rea, Brian Flanigan-Arthurs, Eric Bolden, and Web Bixby evaluate a report ranking Apple Pay fifth among global payment methods, questioning its methodology and the omission of key usage metrics. They also explore Apple's upcoming $300M Formula 1 film release, noting its IMAX expansion and apparent shift in Apple's theatrical distribution policy. Conversations range from payment habits to movie production.  MacVoices is supported by Insta360 and their new Insta360 X5 360° 8K camera. Get a free invisible selfie stick worth $24.99 at store.insta360.com and use the promo code “macvoices”. Selfie stick offer available for the first 30 standard packages. Show Notes: Chapters: 00:10 Introduction to Mac Voices 05:25 Apple Pay's Popularity and Methodology 17:11 Exploring Payment Options and Their Impact 22:57 Apple's F1 Film Release Strategy 25:42 Insights on IMAX and Movie Distribution Links: Apple Pay is the fifth most commonly offered payment method on websites around the world https://appleworld.today/2025/05/apple-pay-is-the-fifth-most-commonly-offered-payment-method-on-websites-around-the-world/ Apple's 'F1' to Expand to More IMAX Theaters Thanks to Initial Screenings Being Sold Out https://www.mactrast.com/2025/05/apples-f1-to-expand-to-more-imax-theaters-thanks-to-initial-screenings-being-sold-out/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:      http://macvoices.com      Twitter:      http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices      Mastodon:      https://mastodon.cloud/@chuckjoiner      Facebook:      http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:      http://www.facebook.com/macvoices/      MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice      LinkedIn:      https://www.linkedin.com/in/chuckjoiner/      Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

「モバイルSuica」アプリで障害　Apple Pay／Google Payでのチャージがしにくい状態に【復旧済み】。　JR東日本は6月2日、スマートフォンアプリ「モバイルSuica」（iOS／Android）で障害が発生していると発表した。同日正午時点で、Apple PayやGoogle Payによる決済がしづらい状態になっている。

In der Google-Wallet-App könnt ihr eine Bezahlmethode einrichten, um anschließend per Google Pay mit eurem Android-Smartphone zu bezahlen. Kann man auch eine EC-Karte in Google Wallet hinzufügen?

Aujourd'hui, retour sur les annonces faites par Google la semaine dernières côté commerce électronique.Le géant de la recherche en ligne s'apprête à transformer la façon dont vous faites vos achats en ligne. De quoi bouleverser aussi tout l'écosystème du shopping en ligne.Le Shopping Graph devient plus intelligentPremier point, le Shopping Graph devient plus intelligent.Il s'agit d'une base de données en temps réel alimentée par apprentissage automatique. Elle embarque des informations spécifiques telles que la disponibilité des produits, les avis d'autres acheteurs, les avantages et les inconvénients, les matériaux, les couleurs et les tailles.Google met à jour cet outil, qui regroupe désormais plus de 50 milliards d'annonces de produits, actualisé en permanence.En clair, quand vous cherchez un produit, l'IA de Google va lancer plusieurs recherches à la fois, prenant en compte vos besoins précis.Résultat, des suggestions plus pertinentes, des prix et des promotions à jour. Bien sûr, ces nouveautés pourraient tailler des croupières dans les services apportés par les sites de commerce électronique eux-même. Et faire de Google un véritable physionomiste, capable de dire aux internautes s'il faut rentrer ou pas dans telle ou telle boutique en ligne.Le suivi des prix automatiséL'idée pour l'internaute, c'est qu'il ne devrait plus avoir besoin de surveiller les promotions manuellement. Vous pourrez définir vos critères, comme la taille, la couleur, et le prix, et Google s'occupera du reste.Et vous serez alerté dès qu'une bonne affaire se présente. Et mieux encore, Google ajoutera l'article à votre panier et vous proposera de finaliser l'achat avec Google Pay. De quoi gagner du temps et ne plus rater les bons plans.Là aussi, que vont devenir les acteurs du commerce en ligne qui pratiquent l'affiliation, le retargeting publicitaire, ou encore la comparaison de produits ?L'essayage virtuel intelligentVous hésitez à commander cette robe ou cette paire de jeans ? Grâce à la nouvelle cabine d'essayage virtuelle de Google, vous pourrez visualiser le vêtement sur votre propre photo avant de l'acheter.Cette technologie, alimentée par un modèle d'IA dédié à la mode, prend en compte la morphologie, les textures et les couleurs pour un rendu réaliste.A noter que toutes ces nouveautés devraient rapidement débarquer dans un premier temps aux Etats-Unis, avant de partir à la conquête du reste du monde.Le ZD Tech est sur toutes les plateformes de podcast ! Abonnez-vous !Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Google estrena AI Mode y reinventa las búsquedas en internet, presenta gafas inteligentes y agentes que compran solos: Por Félix Riaño @LocutorCo  Buscar en la web va a cambiar más de lo que imaginamos. AI Mode ya aparece en Estados Unidos como una pestaña dentro del cuadro de Google y pronto va a llegar a más países. La función conversa como una experta, divide preguntas en partes pequeñas y responde en voz clara. Google también presentó unas nuevas gafas inteligentes desarrolladas junto a Warby Parker y Gentle Monster, que traducen en vivo, guían en la calle y hasta ayudan a hacer compras sin usar las manos. Todo funciona con Gemini 2.5, la inteligencia que ya procesa quinientos billones de instrucciones por mes. El reto ahora es entender si esto nos va a facilitar la vida o si, por el contrario, nos deja con menos control. ¿Cómo nos va a afectar a quienes hablamos español y usamos Google todos los días para trabajar, estudiar o simplemente encontrar el mejor lugar donde comer?  Menos clics en las páginas web pueden afectar miles de empleos. Imagina que escribes en Google: “restaurantes abiertos cerca de mí con buena comida y parqueadero fácil”. Con AI Mode, no ves la lista tradicional de enlaces, sino una conversación. La IA te pregunta si prefieres algo rápido o para sentarte a comer tranquilo, y si quieres comida colombiana, mexicana o italiana. Toma en cuenta tus búsquedas anteriores, los lugares donde has estado con Google Maps y, si diste permiso, hasta tus reservas pasadas en Gmail. Luego arma una respuesta con dos o tres opciones: muestra fotos del lugar, tiempo estimado para llegar, si hay mesas disponibles, precios en tu moneda y comentarios recientes. Todo eso sin salir de la página de resultados. Liz Reid, la jefa de búsqueda de Google, dice que AI Overviews, el sistema que muestra estos resúmenes automáticos, ya se usa en más de cuarenta idiomas y en más de doscientos países. Son más de mil quinientos millones de personas cada mes. Pero tanta eficiencia trae consecuencias. Editores de medios en Bogotá, Lima o Buenos Aires temen que el lector ya no llegue a su página. Si la IA responde todo en el primer pantallazo, ¿quién va a leer el artículo completo? Y si nadie entra, nadie ve la publicidad. Eso pone en riesgo los ingresos de medios digitales pequeños y también los empleos de periodistas. Lo mismo pasa con pequeños negocios. Si no tienen su menú bien organizado en línea o no aparecen con datos claros, es probable que la IA ni siquiera los muestre. Además, AI Mode pronto va a usar, si el usuario lo permite, datos personales como correos en Gmail o eventos en el calendario. Con eso puede sugerir restaurantes antes de una reunión o mostrar rutas al aeropuerto según tu vuelo. Todo suena útil, pero los defensores de la privacidad ya están preocupados: ¿dónde queda el límite? ¿Quién decide qué datos se usan y cuándo? Google dice que quiere mantener el equilibrio. AI Mode incluye controles de privacidad para pausar personalización, borrar historial y revisar qué información se está usando. Además, muestra enlaces directos a las fuentes, para que el usuario pueda leer más si quiere. También presentó Deep Search, una función que lanza cientos de búsquedas internas para armar informes completos. Ideal para estudiantes o periodistas que necesitan contexto rápido. Las nuevas gafas Android XR también hacen parte de esta transformación. Son cómodas, modernas y capaces de traducir en tiempo real, tomar fotos y mostrar direcciones sin usar las manos. Sergey Brin, cofundador de Google, confesó que cometió muchos errores con las primeras Google Glass, pero esta vez la apuesta va en serio. Google va a invertir ciento cincuenta millones de dólares en Warby Parker para lanzar modelos con y sin fórmula óptica a partir de 2026. Y la idea no es competir con celulares, sino complementarlos. Las gafas funcionan junto al teléfono y permiten interactuar con la IA en cualquier momento.  Gemini ya tiene más de cuatrocientos millones de usuarios activos. Google dice que con AI Mode y las nuevas gafas, la búsqueda va a pasar de ser un acto puntual a un acompañamiento constante. Por ejemplo, con solo apuntar la cámara del celular, puedes preguntar si una batería es compatible con tu dispositivo o qué tipo de tornillo necesitas. Gemini también puede comprar entradas para eventos, hacer reservaciones en restaurantes o monitorear precios hasta que bajen. Todo esto es opcional, pero ya se está probando con socios como Ticketmaster, Resy y Google Pay. En América Latina, empresas pequeñas pueden prepararse optimizando su presencia en línea con datos claros: ubicación, horario, precios y fotos de buena calidad. Mientras tanto, puedes explorar estas funciones descargando la app de Google y activando la opción de AI Mode, si estás en Estados Unidos. Para conocer más sobre el pasado, el presente y el futuro de las gafas inteligentes, escucha el episodio especial de El Siglo 21 es Hoy sobre las Gafas Google. AI Mode convierte la búsqueda en conversación, y Google ahora quiere estar presente incluso fuera del celular. ¿Te ayuda o te preocupa? Comparte tu opinión y escucha este episodio de Flash Diario y el de Gafas Google en El Siglo 21 es Hoy. Síguelo en Spotify aquí: Flash Diario en Spotifyciona o te preocupa?Separador

In this episode of India FinTech Diaries, we sit down with Sanjay Tripathy, Co-Founder & CEO of BRISKPE, to explore how they're solving one of the most complex challenges faced by Indian MSMEs—cross-border B2B payments. From opaque processes and costly fees to regulatory hurdles, cross-border trade remains a daunting space for exporters and service providers alike.Sanjay shares the BRISKPE origin story, their mobile-first approach, and how the team is building a future-ready, regulation-first cross-border platform trusted by MSMEs across India.Key Highlights:

Addressing cash flow through instant collections can be one of the most transformative things a small business can do to operate more efficiently, as well as to be able to utilize and deploy cash on hand for growth. Digital wallets like Apple Pay and Google Pay online payment platforms like PayPal and Stripe, and platforms like Square and Shopify payments offer instant payment, and that means funds become available immediately or within at least a much shorter timeframe.

Wer ein Samsung-Smartphone hat, kann nicht nur Google Pay für Zahlungen nutzen. Samsung Pay ist die Hauptfunktion innerhalb von Samsung Wallet. Damit das kontaktlose Bezahlen funktioniert, muss man den Bezahldienst einrichten und eine Zahlungsquelle verknüpfen.

BULLET SUMMARY:Attorney James Murphy sues DHS to uncover records about Bitcoin creator Satoshi NakamotoSEC Chair confirms Bitcoin and Ethereum aren't securities but remains vague on XRPBinance founder CZ appointed as Pakistan's Strategic Crypto AdvisorDOGE trading at ~$0.14 with potential upside to $0.40-0.60 base case for 2025Solana plunged below $100 amid liquidations, at lowest price since early 2024Analyst warns of deeper declines for XRP, SOL, and ETH in current correctionBinance integrates Apple Pay and Google Pay through Worldpay partnershipBitcoin fell to $74,500 with critical support at $71,600 holding ~41,000 BTCJim Cramer criticizes Trump's tariffs as China retaliates and markets dropCatizen's CATI token surged 3.5x in Q1 2025 with 3.3 million users

Over 1.5 billion contactless point of sale (POS) payments, valued at €26.7 billion, were made in shops, restaurants and other retail outlets in 2024, according to the latest payments analysis published today in Banking & Payments Federation Ireland's (BPFI) Payments Monitor. The report reveals that contactless payments accounted for 87.1% of all POS card payments in 2024, with more than half of all contactless payments now made using mobile wallets such as Apple Pay or Google Pay rather than cards. A consumer survey on payment behaviour in Ireland, conducted by BPFI for the report, also shows that most consumers are aware of and confident in using many banking and payment technologies, such as instant payments and facial recognition. However, less than half are familiar with open banking services, which enable customers to share their banking data with third parties to provide additional financial management tools, while only a quarter of consumers are aware of plans for a digital euro. Speaking on the publication of the latest Payments Monitor, Gillian Byrne, Head of Payments, BPFI stated: "We can see from today's report that contactless payments continue to be very popular with Irish consumers, accounting for almost 90% of all point of sale (POS) card payments made in shops, restaurants and other retail outlets in Ireland last year. Smartphones and watches have emerged as the preferred payment devices over physical cards for many consumers. Out of 296 contactless payments made per person in Ireland on Irish cards in 2024, 159 of these were mobile wallet payments." Ms Byrne added: "The rapid adoption of mobile wallets is not surprising given that Irish consumers have traditionally embraced new banking and payments technology. For example, almost 85% of adults used internet banking in 2024, according to Eurostat, the fifth highest proportion in the EU, and our consumer research published today as part of the report shows most consumers are aware of and confident in using many banking and payment technologies such as instant payments and facial recognition for making payment or accessing mobile banking." "However, the survey also reveals some gaps, with only 25% of respondents stating that they were aware of open banking tools such as account information services that give a third-party provider access to their bank account to analyse their spending, and only 40% of those who knew about them (i.e. about 10% of all respondents) said they would be confident using them. Furthermore, only one in four respondents were aware of a potential plan for a digital euro, which will be a digital form of cash, despite the fact that proposals for a digital euro date back to 2020. The European Central Bank (ECB) launched its digital euro project in July 2021 and will decide in October whether to move on to the next phase." She concluded: "These results highlight the need for greater consumer awareness of open banking, as recommended in the Department of Finance's National Payment Strategy, as well as the need to raise awareness about the digital euro and its potential impact. It also shows the need for enhanced consumer confidence in new financial technologies, especially among older consumers who consistently reported the lowest levels of awareness and confidence in newer banking and payment technologies." The BPFI Payments Monitor March 2025 is available to download here.

Android-Nutzer können mit ihrem Smartphone kontaktlos an der Kasse bezahlen, entweder mit Samsung Wallet oder Google Wallet. Doch worin liegen die Unterschiede zwischen den beiden Diensten? Welche Vorteile bieten sie und gibt es Nachteile im direkten Vergleich von Google Pay und Samsung Pay?

Remember that time in 2022 when India's top digital payments companies Phonepe, Paytm*, and Bharatpe were in a no-holds-barred turf war? Looking back, it seemed like there was news almost every other day about some tiff between the three market leaders. In fact, former managing director of Bharatpe, Ashneer Grover, has spoken on record about “street fights” between companies' employees over QR codes. A little more than two years later, there's only calm. QR code scuffles are over. No one is beating each other up. Both the peer-to-merchant and peer-to-peer payments space have settled down into a tripartite peace. Phonepe, Google Pay, and Paytm—in order of market share—are the clear leaders. This raises some interesting questions: How many UPI apps do you have on your phone? And do you have a favourite one? We may have multiple, but only one of them is ever really used. No amount of cashbacks or fancy user experiences make people want to switch to something else. Is it brand loyalty that is preventing users from churning out of old platforms and into new ones? A former Paytm executive told The Ken, “There is zero brand loyalty for UPI payments apps…” Well then, what is happening?*Paytm founder Vijay Shekhar Sharma is an investor in The Ken*This episode was first published on December 30, 2024Daybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

In this episode of the Paywall Podcast, sponsored by LeakyPaywall, Pete and Tyler focus on the top 10 reasons for underperforming subscription revenue for news and magazine publishers. They discuss several common issues such as the inefficacy of free registrations on paid subscription pages, the importance of visible and easily accessible subscription buttons, the issue of too many checkout fields causing friction, the negative impact of redirects to subdomains, the necessity of integrating Apple and Google Pay, and the drawbacks of having numerous plan options. Additionally, they emphasize the importance of capturing email addresses through free registrations, the impact of newsletter frequency on driving traffic and conversions, and the detrimental effects of pop-ups on critical pages. Lastly, the discussion highlighted the importance of having a fast website, avoiding too many free views, and considering bulk subscriptions as an advanced sales strategy.

Au programme de l'actu des nouvelles technologies et de l'accessibilité cette semaine : Du côté des applications et du web Les problèmes d'accessibilité qui trainaient dans l'appli Spotify pour iOS semblent enfin résolus. Améliorations du narrateur) Sortie de la version 26100.3321 de Windows 11 sur le canal beta de la version. Avec Alexa+ boostée à l'IA, Amazon défie ChatGPT et révolutionne son assistant personnel. Skype, c'est fini : après 20 ans, Microsoft annonce la fin du service. Gemini sera bientôt en mesure de répondre à des questions sur ce qu'il y a sur l'écran d'un smartphone. L'app Copilot pour Mac officiellement déployée par Microsoft. Application Curve, pour créer des cartes bancaires virtuelle et compatibles avec Apple et Google Pay. David propose une méthode pour utiliser Wero avec VoiceOver sur l'appli iOS de La Banque Postale. Témoignage de Francklin sur l'appli Assistant Perplexity sur Android. ToutAuClavier.fr ferme ses portes. Le reste de l'actu Témoignage de Jean-Pierre sur le passage de l'iPHone SE à l'iPHone 16e. iPhone 16e sur Amazon. Le gant Feelix - Touchable Vision. Remerciements Cette semaine, nous remercions Michael, ARnaud, David, Francklin, Jean-Pierre et Stéphane pour leurs infos ou leur dons. Si vous souhaitez vous aussi nous envoyer de l'info ou nous soutenir : Pour nous contactez ou nous envoyez des infos, passez par le formulaire de contact sur le site. Pour faire un don sur PayPal ou en cryptomonaie c'est à l'adresse : oxytude.org/don. Faites vos achats sur Amazon en passant par notre lien affilié oxytude.org/amazon., ça nous aide sans augmenter le prix de vos achats Pour animer cet épisode Pascale, Philippe et Sof.

Seekordses saates meenutame üht Soome suurt küberkuriteo episoodi, mille kohta on ilmunud uusi detaile, sealhulgas seos Eestiga. Mõnevõrra uusi detaile on selgunud ka kuulsa eesti keele korpuse ja keelemudeleid treenivate firmade kohta, kes, nagu selgus, ei pruugigi suure rahakotiga meie uksele koputada. Testisime nelja uut nööpkõrvaklappide paari ja tulemused olid üllatavad. Saate lõpus heidame pilgu kuulajakirjadele. Saate teemad: • Soome suures häkkimisskandaalis selgus seotus Eestiga • Kas välismaised AI-arendajad üleüldse tahavad meie keelekorpust • Meelis ja Glen teistisid Huawei, JBL-i, OnePlusi ja Sony uusi nööpkõrvaklappe ja jõudsid väga erinevatele järeldustele • Kuulajakirjad: Tanel küsib KEF-i kõlarite kohta ja Glen selgitab, kuidas ta oma Google Pay ja SEB pangakaartide murele lõpuks lahenduse leidis

De slaapapneu-affaire is goed en wel achter de rug, maar een nieuw probleem wordt alleen maar groter en groter. Want de bestellingen daar drukken ontzettend op de wereldwijde omzet. Onder aan de streep bleef er nog maar een groei van 1 procent over. En die problemen zijn nog lang niet voorbij. Topman Roy Jakobs durft zelfs niet te voorspellen wanneer Philips weer op de Chinese markt kan rekenen. En in het lopende kwartaal kan het ervoor gaan zorgen dat de inkomsten van Philips met zo'n 6 procent gaan afnemen. De topman blijft er nog redelijk positief onder, maar beleggers niet. Die laten het aandeel als een baksteen vallen. Wie er gelijk heeft, hoor je in deze aflevering. En dan hoor je ook over ING. De bank klaagt over een nieuwe concurrentiestrijd, waar ING niet op zaten te wachten. Het kan namelijk geen IT-personeel meer vinden omdat grote techbedrijven het talent voor de neus wegkapen. Die techbedrijven bieden bizarre salarissen, en daar kan ING van z'n lang zal ze leven niet aan tippen. We hebben het ook over de ECB. Beleggers rekenen nog op 3 renteverlagingen dit jaar, maar binnen de centrale bank gaan de eerste stemmen op om de verlagingen te pauzeren. En verder hoor je over Kentucky Fried Chicken dat straks z'n naam misschien niet meer waar maakt. Over Bumble die Gen Z niet aan het swipen krijgt. En over het langverwachte einde van een verhaal waar beleggers en journalisten geen genoeg van kregen.See omnystudio.com/listener for privacy information.

HEADLINES: Ronaldo's 'Business' Deal with Al NassrTrump's Second Term and Its Impact on Saudi ArabiaGoogle Pay Set to Launch in Saudi Arabia in 2025

durée : 00:08:20 - La Question du jour - par : Marguerite Catton - En quelques décennies, les moyens de paiement ont drastiquement évolué : du chèque et de l'argent liquide à la généralisation de la carte bancaire jusqu'à sa dématérialisation sur nos smartphones, quelles sont les conséquences de ces évolutions des moyens de paiement ? - réalisation : Félicie Faugère - invités : Clément Berthou Économiste et chercheur français

durée : 02:29:44 - Les Matins - par : Jean Leymarie, Isabelle de Gaulmyn - Les enjeux internationaux - Maroc : ce que va changer la réforme du Code de la famille. La question du jour - Lydia, Apple Pay, Google Pay : à qui profitent les nouveaux moyens de paiement ? L'invité des matins- Histoire de la peinture : apprendre à aimer. - réalisation : Colin Gruel

Remember that time in 2022 when India's top digital payments companies Phonepe, Paytm*, and Bharatpe were in a no-holds-barred turf war? Looking back, it seemed like there was news almost every other day about some tiff between the three market leaders. In fact, former managing director of Bharatpe, Ashneer Grover, has spoken on record about “street fights” between companies' employees over QR codes. A little more than two years later, there's only calm. QR code scuffles are over. No one is beating each other up. Both the peer-to-merchant and peer-to-peer payments space have settled down into a tripartite peace. Phonepe, Google Pay, and Paytm—in order of market share—are the clear leaders. This raises some interesting questions: How many UPI apps do you have on your phone? And do you have a favourite one? We may have multiple, but only one of them is ever really used. No amount of cashbacks or fancy user experiences make people want to switch to something else. Is it brand loyalty that is preventing users from churning out of old platforms and into new ones? A former Paytm executive told The Ken recently, “There is zero brand loyalty for UPI payments apps…” Well then, what is happening?*Paytm founder Vijay Shekhar Sharma is an investor in The KenDaybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

In Episode 240 Gary chats with jess Shanhan, Alec peachey and Shayne Ress on various different topicsJess leads a discussion on misinformation and the role of journalists. Shayne talks about the economics of public charging as a CPO. Alec talks about the role of councils in the EV infrastructure roll out.Gary talks about whether we're actually getting the charge speeds we should be from all this new high-powered kit that's being installed.What did you think about the guests and the topics under disscusion?This season of the podcast is sponsored by Zapmap, the free to download app that helps EV drivers search, plan, and pay for their charging.Links in the show notes:Alpitronic - Cool thing (Gary)Welcome to the eSkootr Championship - Cool thing (Jess)Renault 5 EV Review - Cool thing (Shane)Episode produced by Arran Sheppard at Urban Podcasts: https://www.urbanpodcasts.co.uk(C) 2019-2024 Gary Comerford Support me: Patreon Link: http://www.patreon.com/evmusingsKo-fi Link: http://www.ko-fi.com/evmusings The Books:'So, you've gone electric?' on Amazon : https://www.amazon.co.uk/dp/B07Q5JVF1X'So, you've gone renewable?' on Amazon : https://amzn.to/3LXvIckSocial Media:EVMusings: Twitter https://twitter.com/MusingsEvInstagram: @EVmusingsOctopus Energy referral code (Click this link to get started) https://share.octopus.energy/neat-star-460Upgrade to smarter EV driving with a free week's trial of Zapmap Premium, find out more here https://evmusings.com/zapmap-premiumMentioned in this episode:Zap PayZapmap, about Zap-Pay - your simple and convenient way to pay for EV charging. With Zap-Pay, EV drivers can easily pay for charging across multiple networks, all within the Zapmap app. No need for juggling multiple apps or accounts- Zap-Pay simplifies the entire process by enabling seamless payments across a wide range of networks. With Zap-Pay, you'll not only streamline your payments but also get access to a range of other features: - Track your charging history at any time - Receive live status updates while your car is charging - Easily download VAT receipts for your records - And, as an added bonus, Zapmap Premium customers get charging discounts when paying with Zap-Pay. It's incredibly easy to start: after installing the app, simply add a payment card, or use Apple Pay or Google Pay, and you're ready to go. Try Zap-Pay today and experience hassle-free EV charging.

In the final non-round-table episode of the season, we look at the new government and what they can do.With each guest this season I've asked them the same question "With the change in government what can the new government do to increase the uptake of EVs?"I've collated all the answers and summarised the key themes. What I've also done is asked Matt Adams from the REA to comment on the likelihood of things happening and to discuss what the REA are currently doing in the governmental realm.Matt Adams: Matt's WebsiteThis season of the podcast is sponsored by Zapmap, the free to download app that helps EV drivers search, plan, and pay for their charging.Links in the show notes:Pope Francis receives first electric G-Class “Popemobile” from Mercedes-Benz - Cool ThingEpisode 89 - Matthew Adams: Powering the Future of EV Policy | The EV CaféEpisode produced by Arran Sheppard at Urban Podcasts: https://www.urbanpodcasts.co.uk(C) 2019-2024 Gary Comerford Support me: Patreon Link: http://www.patreon.com/evmusingsKo-fi Link: http://www.ko-fi.com/evmusings The Books:'So, you've gone electric?' on Amazon : https://www.amazon.co.uk/dp/B07Q5JVF1X'So, you've gone renewable?' on Amazon : https://amzn.to/3LXvIckSocial Media:EVMusings: Twitter https://twitter.com/MusingsEvInstagram: @EVmusingsOctopus Energy referral code (Click this link to get started) https://share.octopus.energy/neat-star-460Upgrade to smarter EV driving with a free week's trial of Zapmap Premium, find out more here https://evmusings.com/zapmap-premiumMentioned in this episode:Zap PayZapmap, about Zap-Pay - your simple and convenient way to pay for EV charging. With Zap-Pay, EV drivers can easily pay for charging across multiple networks, all within the Zapmap app. No need for juggling multiple apps or accounts- Zap-Pay simplifies the entire process by enabling seamless payments across a wide range of networks. With Zap-Pay, you'll not only streamline your payments but also get access to a range of other features: - Track your charging history at any time - Receive live status updates while your car is charging - Easily download VAT receipts for your records - And, as an added bonus, Zapmap Premium customers get charging discounts when paying with Zap-Pay. It's incredibly easy to start: after installing the app, simply add a payment card, or use Apple Pay or Google Pay, and you're ready to go. Try Zap-Pay today and experience...

Welcome to the first of a two-part series from NTA, where we dive into tour and travel trends, partnerships, and challenges shaping the industry. In our conversations, we explore the rise of transformative travel, the international tourism rebound, and innovations in payment systems—all key trends driving the travel industry forward into 2025. In this episode, you'll hear from these industry leaders: Kelly Dean: https://www.linkedin.com/in/kellydeanottawa/ Kim Ricaurte: https://www.linkedin.com/in/kim-ricaurte-510588285/ Patrick McIntyre: https://www.linkedin.com/in/patrick-mcintyre-2b61914 Sheryl Porto: https://www.linkedin.com/in/sheryl-porto-489189b1/ Zach Harrison: https://www.linkedin.com/in/zachary-harrison-a63481194/ In my interviews at the NTA, each guest shares examples of successful collaborations from DMOs and hotels to technology providers that help them create unique and memorable travel experiences. Kelly Dean from Ottawa Tourism Kelly emphasizes transformative and experiential travel, including immersive experiences such as culinary tourism and engaging deeply with local cultures. She shares more about how the travel industry can grow and adapt post-pandemic to meet evolving consumer expectations for the future. Kim Ricaurte from Airwallex We discuss Kim's approach to helping people embrace new solutions without criticizing their existing methods, and she emphasizes the importance of partnership and support through these transitions. Kim also discusses significant trends in financial technology, particularly a shift away from traditional credit cards to alternative payment methods such as Google Pay, Apple Pay, and local systems like ACH, and explains the benefits of educating travel operators on these new financial solutions. Patrick McIntyre from Image Tours Patrick shares some new things he is working on for 2025—including a new Greek tour. He digs into the importance of responding to customer feedback and making tweaks that keep itineraries fresh and attractive to travelers. Building stronger relationships with your clientele helps support sales. Patrick describes the NTA Travel Exchange as “new” and says it's an exciting place to learn, get to know some new people, and continue to develop relationships with people he's already met. Sheryl Porto from Merani Hotel Group Sheryl and I dig into the exciting resurgence in international travel, particularly in Niagara Falls, USA, highlighting the unique cross-border tourism challenges and opportunities between the US and Canada. She shares her thoughts on the recovering international market post-pandemic and anticipates seeing significant business growth in 2025, especially from the Indian market. Zach Harrison from Anderson Vacations Zach and I discuss his focus on small-group travel, especially in remote Canadian areas. He highlights the shift from large 55-passenger buses to smaller 16-passenger groups, which allows for more intimate travel experiences and access to unique destinations that larger buses cannot reach, such as early morning wildlife tours in the Rockies. Zach also shares the importance of mentorship in the evolving travel industry, acknowledges generational gaps, and emphasizes the warm, collaborative community fostered at the NTA Travel Exchange. We value your thoughts and feedback and would love to hear from you. Leave us a review on your favorite streaming platform to let us know what you want to hear more o​f. Here is a quick tutorial on how to leave us a rating and review on iTunes!

Learn this and many more useful tricks in the RPF Academy: www.RPFacademy.com.

This Day in Legal History: Florida Recount StayedOn December 9, 2000, the U.S. Supreme Court issued a 5-4 decision to stay the recount of presidential election votes in Florida, a pivotal moment in one of the most controversial elections in American history. The recount had been ordered by the Florida Supreme Court after a contentious election between George W. Bush and Al Gore left the outcome hinging on Florida's 25 electoral votes. The Supreme Court's stay temporarily halted efforts to resolve disputes over "hanging chads" and other ballot irregularities in a highly scrutinized manual recount process. This pause set the stage for the landmark decision in Bush v. Gore three days later. On December 12, the Court ruled that the recount violated the Equal Protection Clause of the Fourteenth Amendment, effectively ending the process and cementing George W. Bush's victory. The Court's majority held that varying standards for counting votes across Florida counties were inherently unequal, and there was insufficient time to establish uniform procedures before the Electoral College deadline.The decision was deeply divisive, with the dissenting justices arguing that halting the recount undermined public confidence in the democratic process. Critics of the ruling contended that it set a dangerous precedent by involving the judiciary in the electoral process, while supporters claimed it ensured a timely resolution in an unprecedented situation. Ultimately, the ruling awarded Bush the presidency by a margin of just 537 votes in Florida.The case has since been a flashpoint for debates about judicial impartiality and election integrity. It underscored the significance of state-level election laws and highlighted vulnerabilities in the U.S. electoral system that continue to shape legal and political discourse today.A legal showdown involving Alex Jones' Infowars, Elon Musk's X Corp., and The Onion centers on the ownership and transfer of social media accounts in bankruptcy proceedings. Infowars is being sold to The Onion's parent company, Global Tetrahedron LLC, as part of Jones' bankruptcy to cover $1.4 billion in defamation judgments owed to Sandy Hook families. However, X Corp. has filed objections, asserting that it owns Infowars' accounts under its terms of service and has the right to control their transfer or use.The Onion's winning bid, supported by some Sandy Hook families who agreed to defer payments, is under scrutiny for its structure and fairness. Judge Christopher Lopez will decide whether X's claim to ownership under its terms of service—which prohibits account transfers without consent—supersedes the bankruptcy estate's right to sell interests in the accounts. X's lawyers argue that the accounts are licenses, not assets, and therefore cannot be transferred. This legal stance aligns with prior cases that emphasized the authority of social media companies' terms of use.This dispute highlights X's aggressive stance under Musk's leadership in asserting control over account transfers, even as it risks alienating users. The case also raises broader questions about the transferability of accounts on other platforms, like Gab and Truth Social, which may have similar restrictions. The outcome could set precedent in determining how social media accounts are treated in bankruptcy, a legal area still in its infancy.US judge weighs fate of the Onion's buyout of Infowars | ReutersMusk Flexes Muscle to Stop Infowars' X Account Sale to The OnionByteDance, the Chinese parent company of TikTok, and the app itself have requested a temporary halt to a U.S. law requiring ByteDance to divest TikTok by January 19, 2025, or face a ban. The companies filed an emergency motion with the U.S. Court of Appeals for the District of Columbia, seeking relief while they petition for a review by the U.S. Supreme Court. They argue that the law would force TikTok, a major platform with over 170 million monthly U.S. users, to shut down just before a presidential inauguration.The divestment law, passed earlier in 2024, reflects ongoing concerns over national security risks linked to TikTok's ownership by a Chinese company. ByteDance contends the law undermines free speech and harms millions of American users and creators who rely on the platform for communication and income. The court's decision will determine whether the app remains operational during the Supreme Court review process.ByteDance, TikTok seek temporary halt to US crackdown law pending Supreme Court review | ReutersThe Consumer Financial Protection Bureau (CFPB) has asserted supervisory authority over Google Payment Corp., a subsidiary of Alphabet Inc., as part of expanding oversight of nonbank financial platforms. This decision could lead to regulatory exams, though it does not imply any misconduct by Google. The CFPB stated that Google Payment Corp. meets the legal criteria for supervision, citing potential consumer risks linked to remaining balances in discontinued Google Pay accounts.Google quickly filed a lawsuit challenging the CFPB's authority, calling the move an example of government overreach. The company argues that the U.S. version of its Google Pay peer-to-peer payment service no longer exists and has posed no risks to consumers. Google contends that the CFPB's decision is legally flawed and lacks justification. The case reflects ongoing tensions between tech companies and financial regulators as agencies like the CFPB increasingly focus on nonbank platforms. While the CFPB has been criticized for underusing its authority in this area, Google's response highlights concerns about regulatory overreach and its impact on innovation.CFPB Claims Supervision Over Google Unit, Which Promptly Sues This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

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! 

Skip the Queue is brought to you by Rubber Cheese, a digital agency that builds remarkable systems and websites for attractions that helps them increase their visitor numbers. Your hosts are Oz Austwick and Sinead KimberleyIf you like what you hear, you can subscribe on iTunes, Spotify, and all the usual channels by searching Skip the Queue or visit our website rubbercheese.com/podcast.If you've enjoyed this podcast, please leave us a five star review, it really helps others find us. And remember to follow us on Twitter for your chance to win the books that have been mentioned in this podcast.Competition ends on 28th November 2024. The winner will be contacted via Twitter. Show references: Download The 2024 Visitor Attraction Website Survey - https://rubbercheese.com/survey/https://www.linkedin.com/in/sineadwaldron/Sinead Kimberley is the Senior Client Success Manager of Rubber Cheese and has a background in digital marketing, engagement software and all things client satisfaction. She guides clients through the various stages of their project, ensuring they have the information they need when they need it, as well as being the link between our developers and clients. https://rubbercheese.com/https://www.linkedin.com/in/thatmarketingbloke/ Oz Austwick is the Head of Commercial at Rubber Cheese, he has a somewhat varied job history having worked as a Blacksmith, a Nurse, a Videographer, and Henry VIII's personal man at arms. Outside of work he's a YouTuber, a martial artist, and a musician, and is usually found wandering round a ruined castle with his kids. Transcription:  Oz Austwick: Welcome to Skip the Queue, a podcast for people working in or working with visitor attractions. I'm your host, Oz Ostwick. In this episode, Sinead and I are going to talk a lot about the third Annual Rubber Cheese website Visitor Attraction survey. So, firstly, I just want to say, hi, Sinead. Sinead Kimberley: Hello. Oz Austwick: Sinead's been struggling a bit with a cold and I dragged her onto the podcast anyway, so I should apologise to her, but she'll be great. Sinead Kimberley: She always is, always fun to join. Oz Austwick: I'm gonna start by asking you a couple of questions. We're not gonna do the icebreaker thing that we do with guests, but when Paul and I host an episode, we like to talk a little bit about where we've been, what attractions we've been to. So how about you? Where have you been recently? Sinead Kimberley: I've been to Stockholm, in Sweden, actually. That is not an attraction in itself, although it's beautiful there. But we did try to go to a few attractions, so we tried to go to the Paradox Illusion Museum. We very excitedly got to the front, asked for two tickets and they said they're completely fully booked for the entire day, and we couldn't get in, which was surprising. I kind of didn't really factor in that it would be a numbered visit thing. I thought, “just, it's open, come and have a wonder.” But I guess the structure of it is you have to have so many people in a room to be able to enjoy the paradox of it. So it made sense in the end. Oz Austwick: Yeah, I guess. It's interesting, isn't it, that wasn't clear? Sinead Kimberley: Our research was essentially looking. We knew we wanted to go there. Oz Austwick: Yeah. Sinead Kimberley: What's the address? And can Google get me there? That was my research. Oz Austwick: Okay, so really can't really blame them for that, then. Sinead Kimberley: No, we cannot blame them. But we had a similar thing as well where were also trying to go to an escape room because were there to visit friends. So we didn't want to go to all the museums we've kind of already seen, although they have some incredible ones there, the Vassa being one of them. Very similar, I think, to Mary Rose Trust. They've got a massive ship that sunk pretty soon after coming out of the bay and the King wasn't very happy about it, but we thought, we'll go and just try and escape room, just to kill a couple of hours. And I looked for every escape room I could find in Stockholm that we could physically get to. And then once you go into one of those sites, you then pick the Room, then the day, then the time. Sinead Kimberley: And you have to go room to room in each of these websites to see if they've got any availability on the day you want and time you want. And I really wished. And maybe this is a thing that exists that I just don't know about, but I wish there was one place I could go and just say, I want to go to an escape room in Stockholm on this day, roughly this time. What is available? Because I gave up after about half an hour of searching through every single one. Different rooms, different places, it was impossible. So we didn't go in the end. Oz Austwick: That's quite interesting because I suspect that trying to book for half an hour is probably quite a lot. I guess most people probably wouldn't last that long. But not being able to search for something by availability seems a bit odd that you have to say, I want this specific room. And then you have to go into it and say, “Oh no, that's not available.” And then you have to go and find another one and go into. Yeah, it would be really nice to be able to look at something like that and just say what's actually available. Sinead Kimberley: Yeah. And I feel like I'm not that big on the. I don't have that many brainwaves, so I imagine someone's already done this. If anyone knows and can point me to it.Oz Austwick: Certainly interesting. And maybe there's a lesson there for people who are listening that are working in attractions that can. If somebody wants to come, can they search by when it's available or do you have to pick a day and look to see if there are any times free? Maybe that's something we'll talk about because we're going to talk about our report and I think maybe that booking process is something that might crop up again. So did you actually make it anywhere at all or did you just give up and not visit anywhere? Sinead Kimberley: We went to a chess bar in the end, so they had a very swanky, very kind of trendy feeling Chess bar. And apparently some very famous chess player was going to go there and have a tournament against somebody from YouTube. I'm not in with all the YouTube stuff, so I don't know who it was, but my husband and friend played chess for about three hours and me and another friend drank wine instead of any visitor attraction. Oz Austwick: Sounds like a pretty ideal attraction to me. It's interesting, is it? Because there are definitely quite a lot of Scandinavian, maybe Swedish chess players. And where's Magnus Carlsen from? Is he Swedish? I know he's Scandinavian. But when he's. He's the best, he's the best player out there at the moment. But I know there are a number of quite famous YouTubers. Anna Kramlin is. Sinead Kimberley: Yes, that was the one. Oz Austwick: Was it? Okay. Oh, she's. She's brilliant. Sinead Kimberley: I think she was going to be there. Oz Austwick: She's got an amazing YouTube channel where she just travels around and plays people at chess. She goes to America and plays chess hustlers in the park and she's an international master, I think. But her parents are both grandmasters at chess and every now and again her mum just comes along and she's this lovely softly spoken lady who just sits down and utterly destroys people at chess. Brilliant watching. So, yeah, I very much doubt Anna Cramling is watching this or listening to this podcast, but if she is, good for you, Anna. Keep it up. Yeah. So where have I been? It's a bit of a cop out because this is something we do quite often, but we live a few minutes drive from Petworth, so we quite often go and park up and go for a walk around the park. Oz Austwick: And we say park, it's thousands and thousands of acres and it's absolutely lovely. It's a bit like stepping into Pride and Prejudice and going for a walk around and seeing the herds of deer just grazing in the landscape. And it's a Capability Brown thing. And you see the house on the hill overlooking, it's absolutely beautiful. We go there a lot. The kids love running around and my teenage daughter, it's a bit special to her because she's got a very serious boyfriend at the moment. They've been together for almost a year and that was where they went for their first date. They went for a walk around the grounds at Petworth and it was absolutely delightful. All very Jane Austen. Sinead Kimberley: That's a lovely first date. Oz Austwick: Well, this isn't it, you know, I mean, at that point I'm going, “Well, yeah, he's okay, he can stay, we like him”. And he came up and introduced himself and shook my hand and I'm just like, wow, okay. Is this what dating's like now? Because it's. I'm pretty sure it wasn't like that back in my day. But yeah, it's a lovely place. Can't recommend it enough. You need to either be a member of the National Trust or pay for your parking, but there's usually a coffee van in the car park so you can have a nice coffee and walk around a lovely estate. So it's pretty much perfect for me. We should probably talk about the elephant in the room, or rather the elephant that isn't in the room. And I'm sure I'll get in trouble for calling Paul an elephant. Oz Austwick: But he's not here today. He's off at the Historic Building Parks and Gardens event, which is an absolutely new one for me. I've not even heard of it before. So we hope you're having a lovely time, Paul, and thanks for letting us loose with the podcast. So what else is going on in the world of visitor attractions at the moment? Sinead Kimberley: ASDC, is it coming up? Oz Austwick: ASDC, yes, the Association of Science and Discovery Centres have their big annual event soon and there's something really special happening at it this year, which is we're going to record an episode of Skip the Queue live on stage. We're not going to broadcast it live because there's a distinct possibility we'll mess it up and we'll have to do bits again. But we are going to record it and it's going to be really interesting. And that one's going to be hosted by Paul, which is probably why he's letting us loose without him. And, yeah, I'm really looking forward to it. I think it's going to be quite interesting to get out and about because I've been out to record on site and nobody else has managed it yet. So this will be Paul's first on site recording. Sinead Kimberley: That'd be very cool and hopefully I'll be able to join you for the event at least, as the audience.Oz Austwick: Yeah, I certainly hope. Yeah, that would be great. So if you're listening to this and you've got a venue and you'd like us to be there, please do let us know. We'd love to come and see you. I had an amazing time recording at Trentham Monkey Forest, so if you've got monkeys, then let me know. I'd love to come and meet your monkeys too. But it's probably fair to say that the. The annual survey and the report has taken up a lot of our time recently and we're actually able to talk about it now because it's been released. We know that some of you came along to our launch webinar, but a lot of you didn't. So we'd like to talk about some of the really interesting things that are in the survey. Oz Austwick: I guess it's probably reasonable to start off by talking a little bit about how it's different this year compared with previous years. And there are a few things we've done differently. There are a few subjects that we've brought into the survey to ask people about that weren't in there before. So the use of AI and sustainability. I know we're going to talk a little bit more about sustainability later. That's something that Sinead's quite focused on. But one of the major things is that we've introduced some multi site operators into the database of attractions that we use to produce the report and I think that's probably changed the way the report looks a little bit, wouldn't you agree? Sinead Kimberley: Definitely. I think it's compared to the reports before there are sections of it that maybe look a bit more complex because you've got different tabs you can move between and you can see the data both with all of the data we have. So with the multi sites and without. So if you are maybe a smaller attraction the without might be more interesting for you to have a look and benchmark yourself against. But I think it's really interesting to see how very different the results are. If you look at our normal kind of attractions that we get survey results from compared to when you look at the multi sites. In nearly every single one, the biggest tech within whichever category is usually completely different between the two different kind of data sets, which I thought was really interesting. There's very little crossover really. Oz Austwick: It really isn't it? And the question you need to start thinking about at that point is the tech different because multi sites need different tech or is it different because multi sites actually have the financial ability to be able to say this the absolute best. So that's the one we're going to use. And I don't think we can say for sure one way or another at that point. We can say that the biggest, most successful venues tend to use these things but we're not really in a position where we're able to say and this is why. So I think that's quite interesting. I think there were a lot of discussions when were trying to produce the report about how we use this data because there are definitely different types of multisites out there. Oz Austwick: There are those relatively small local groups where you get maybe two or three local museums that all used to be run by the same council and now are run by a charity. But then you've got some of the multi sites that have some of the biggest and most famous venues in the country that all have their own websites but the decisions are clearly made at a group level and then you've got the massive multi site operators with hundreds and hundreds of venues where they're all done through the same site, the same website. And the question is, then, is that, say, 600 venues or is that one website? And that makes it a really difficult thing because if we look at it and say it's 600 or so venues, then that's 600 venues, all using the same technology. Oz Austwick: But if it's one website, that's only one website using that technology, and that hugely changes the way that it's reported. So I think you're absolutely right to look at it, look at both and see how it applies to you as an attraction. And if you're unsure, drop us a line, talk to Sinead, talk to me, talk to Paul. We've got a huge amount of information and we've put what we think is the most important things out there in the report. But there's a lot more we can talk to you about and we'd love to, because, you know, we're kind of sick of talking to each other about it, wouldn't you say? Sinead Kimberley: Not just yet. Not sick of you just yet, but I would say when it comes to, as well, coming to talk to us, I think one of the areas that, I mean, I can be useful in and that I'd love to have conversations with my clients in the ones I'm not already talking to about it, is sustainability. And this is one where Oz is probably sick of hearing me talk about constantly. But I think the thing that I find most interesting, if you look at sustainability on its own, you can maybe see it as something we should be doing, but is very hard and, like, how do you do it? Well. But the report looks into how it links really well with performance as well. Sinead Kimberley: A lot of what makes something sustainable also makes it highly performing load faster, and that ultimately gives you a better user experience on the website. So for those who are maybe kind of grappling with how do we make something sustainable in an industry that can find this very difficult because of the nature of what you're doing? Looking at it more from that performance perspective, I think helps maybe give it a little bit momentum, a bit more enthusiasm towards doing something that will have material benefits for you later on, as well as making you a bit more kind of conscious and environmental in the website. So I thought putting those two things together was really interesting in the report. Oz Austwick: Yeah, I think that's a really interesting point, isn't it? It's not just about ticking a box for sustainability. ”Oh, look at us. Isn't our website brilliant?” And it feels a bit like just patting yourself on the back for the sake of it. Almost everything you do to make your website more sustainable is making you more successful and your site more efficient and hopefully making you more money as well. So I think that's definitely something to bear in mind. Sinead Kimberley: Yeah. And I think the activities that you can do to make it more sustainable and therefore more highly performing and a better user experience, they're reasonably simple. So we have a lot of our customers at the moment are going through that process with us of our team, reviewing the site, checking where can we make those quick wins to boost you up the kind of score. And so in the report, we talk about the average attraction being at F, which is the worst score along the whole score grade, that kind of data shows us. And it doesn't take a whole heap of stuff to get you even just above that average line. But mostly kind of C, B, A, they are all achievable to get to those kind of grades with things that you would. Sinead Kimberley: If you went to look at your site after we have made changes to make it more sustainable, you'll notice it loads a little quicker, hopefully, but you won't really notice anything else that's changed. So a lot of it is the smart little tech things you can do in the background that, you know, we didn't know were possible, maybe when the sites were built originally or, you know, we've just not heard about, we're focusing on something else perhaps. So I think that was. I hope people can see how easy it can be to just get both of those quick wins, the sustainability and the performance, without changing too much. You know, the design team are not going to be unhappy after we've kind of had a go with that. Oz Austwick: Yeah, and I think it's, it's probably worth saying that one of the reasons that I think sustainability has been a conversation that people have backed away from having is that it feels like it's going to be really complicated. And the reason it feels like it's really complicated is because it's quite technical. But if you're talking to someone like you and the team of developers that you work with, then this is really simple stuff for them. Being able to look at a list of things that are causing your site to not rank very well, sustainability wise. They can say, “Oh, well, we can do those three really quickly. That's only half a day's work to get that fixed.” And that can have a huge tangible difference to the site, definitely. Oz Austwick: Okay, so moving on from sustainability to very much a related subject is the booking process. We've talked a bit about trying to make the site more efficient and make it load faster and therefore make it more sustainable. That does feel very much like it's connected to the booking process, because one of the things that seems fairly clear, looking at the report, is that people are still expecting their visitors to go through a lot of steps and that hasn't really changed year on year. We've said before that if you reduce the steps in your booking process, it will make you more money. And we can see that really clearly from the reports we've done in the past. And yet the average is still really high. Oz Austwick: It's seven steps to be able to book a ticket and that feels like we're making people do a lot. Sinead Kimberley: I think if you look at other industries as well, they have really run down that avenue of reducing the steps. If you look at Amazon, it's scarily easy to go, just “Buy now”. Admittedly, they've taken details earlier on in the process that are slightly different, but any new site that I go on to where I'm trying to buy something or I'm trying to kind of plan something, even if I can do everything on my phone and even when it comes to, say, Apple Pay, if I can just do two clicks and my payments done, I don't need to put in, you know, manually enter my details and things like that. I feel more happy after that experience. I don't feel like I've had to go and find my purse and get my card. Sinead Kimberley: I haven't had to go and remember whatever detail it is, or checked, you know, my husband's details, if he's coming along with me or anything. And the easier you can make it, I think the better. I know we've got a few colleagues who have children and Steve in particular will tell me how on a Thursday evening, he sat on the sofa, maybe after putting the kids to bed. After dinner, you're a bit tired, you've had a full day of work, you want to just go, “Oh, I need to do something on the weekend”. You pick up your phone and find where you want to go, quickly book it, get back to the TV or whatever other relaxing activity you were doing. And the quicker you can do that, the more it takes stress out of what is potentially a stressful thing as well. Sinead Kimberley: Not even thinking about when it comes to obviously, the more sales that you get because you're then somewhere they think of as easy to go to, easy to book. Oz Austwick: Yeah. Sinead Kimberley: So, yeah, I think the survey highlighted that really, really well. Oz Austwick: Absolutely, yeah. I couldn't agree more. And I love this idea of Apple Pay or Google Pay being more used because A, that allows you, as an attraction, to get that data without having to specifically ask for it. But also as a visitor, the amount of times I've got my phone out and I've literally, I've been out and about, I've been doing something, maybe I've taken one of the kids to a swimming lesson or, you know, I'm sitting at the back of a concert waiting for my daughter to come on and do her bit and I think, “Oh, I'll just book that thing.” And it says, “Oh, you've got to put your car details in.” Oz Austwick: I've lost count of the amount of times I've been stood in a car park with my phone balanced on the back of the car trying to find a credit card so I can. I don't want to do that. Sinead Kimberley: How many times have you put the phone down? You've not even carried on that booking. Because I'll do it later, if later comes.Oz Austwick: Yeah, I mean, if later comes, definitely. Sometimes, without a doubt, I would much rather be able to just say Google Pay and give it my fingerprint and let it do it for me. And I think the question we need to be asking ourselves as an industry as a whole is why are we asking for this information? And there's a really interesting thing in the survey which I think highlights that we're asking for information from people that A, we don't need. And you and I, we both know this. We talk to people who book things and it annoys them all the time. And people are asking for information so they can market to us and get us to come back. They can upsell, they can sell more things to us. Oz Austwick: But we've got some really clear data looking at where traffic to your website comes from. And the absolute lowest source of traffic to a website to a visitor attraction website comes from email marketing. So we're literally putting people off buying tickets to a venue to get information from them so that we can market to them and get them to come to the venue again. And the numbers just don't hold up.Sinead Kimberley: Don't make sense, no. For the bigger venues, at least hundreds of thousands of pounds, you could get more in revenue if you were to remove some steps. And yet we hold on to those steps for potentially email marketing, which is not where you're getting your hundreds of thousands of pounds back from. In the end, it doesn't add up, but I think it maybe goes into what we spoke about a while ago, where you do what you've always done, you don't think about the why. Why are you asking for the information? Why are we doing this? Why? You know, is email marketing still the big thing that we are trying to do all the time? Oz Austwick: Yes. Yeah. There's a huge amount of perceived wisdom within the industry. And even now, going to events and listening to people talk about how you should market your venue, and it's all really arbitrary. It's like, this is clearly what you should do, this is how you should do it. And there's no justification for that. There's no reason behind it. There's no proof that if you do it this way, this is what will happen. And I think that's one of the things that the survey now, in year three, is becoming more and more able to show you that these things are changing. We've got actual trends, we've got figures, we've got data that is indisputable, and we can see how that data is changing over time. Oz Austwick: So we can look at the fact that in year one, when we knew how many people have tested their site for mobile optimisation. That doesn't tell us an awful lot. It just tells us that some sites have and some sites haven't. But now we've got three years worth of data, we can see that this is still a really important thing and it's getting more important every year. And so we know for a fact that if you aren't testing your site for mobile usage, then you're probably suffering, I think. Sinead Kimberley: Was it 80% of visits to the site are on mobile? Oz Austwick: Yeah. Sinead Kimberley: So if you've never tested that. Oz Austwick: But yeah, it's something ridiculous, like less than 20% of sites have actually bothered to test the mobile version of their site to see if it works the way they think it works. And that's an easy win for you. Get a small group of people together, get it tested, run them through the process and find out if it's. If it's good or not, and look at the steps. And I think it's probably worth mentioning that while we're talking about taking steps out of your booking process, what we're not looking at doing is putting all of those complex decisions into a fewer number of steps. So we don't go from having seven steps to book a ticket to three steps to book a ticket, but those three steps are now infinitely more complex. Oz Austwick: We're actually saying, look at the questions you're asking and say, do you actually need to ask Them? Yeah, like you said, you know, if I want a toaster, I can buy a toaster from Amazon in maybe two clicks and if I buy it from someone else that accepts Google Pay, maybe it's three clicks. But I'd really like to be able to take my kids out for the day without having to go through seven or eight different clicks and then fill in different ages for all of the kids and, you know, putting everybody's names and I just, I'm not interested. I'd much rather.Sinead Kimberley: If they welcome me at the door by saying, hello, Sinead, it's nice to see you. Is this Adam who you mentioned? Carry on. But I don't think that's in many attractions. Oz Austwick: No. And I would much rather get an email with my tickets in it with a little link in the email saying, we'd love to know a little bit more about you. If you fill in this form, we'll give you a free coffee. Sinead Kimberley: Yeah. Oz Austwick: And then I'm like, oh, great. Yeah, okay. And I've already got my tickets. It's not going to put me off. But I think that does link beautifully into the subject of discounts because that's something we asked about and we featured in the report and I think it's quite a surprising result, wouldn't you say? Sinead Kimberley: Definitely. Oz Austwick: We know for certain that discounts make more sales.Sinead Kimberley: By quite a substantial margin. It's kind of double the number of sales if you have discounts versus if you don't. Oz Austwick: And I know there are a lot of people out there, people running attractions, people who are involved in the industry, who feel really passionately that you shouldn't offer discounts, that it devalues what you're offering. And yet the numbers don't necessarily agree with that. Sinead Kimberley: No. And I think I can understand having a concern that when we're saying how the data from our survey revealed that. I think it was maybe might have to correct me on these later, But I think 2.9 thousand sales via discounts versus 1.2000 sales or something. So it's quite a substantial difference if you are offering a discount versus not. And then my worry if I kind of take myself out of my role is if the price per ticket is a lot lower, what's my ultimate kind of revenue at the end of that? Have I sacrificed revenue? Am I taking in ultimately less because of the discount? But I don't think anyone is really proposing, you know, 50% discounts on a ticket. Sinead Kimberley: So really from that data, the revenue would be increased by discounting, which feels like opposite things to hold in your brain at the same time, but it is enticing people. I think sales work in every other industry, we know they work. We love sales. You see it and there is a bit in your brain that just reacts to it. Even if you're not interested, you might notice it more. And so I think to ignore it entirely without checking it or testing just feels like maybe not thoroughly investigating it enough based on the data we've seen, at least. Oz Austwick: Absolutely. And the data is really clear, just like you said, that the number of sales that are made is just so much higher when you're offering discounts. But what we're not able to show in the survey is what sort of discount people are offering, what level of discount they're offering. And we know really very clearly that every attraction is different and the way your audience reacts is different and the way you interact with them is different. So we're not saying go and knock 50% off your ticket, we're saying have a think about discounts and look at what you can offer and test it and see if it works for you. Because it's clearly working really well for some people. Hugely well. Sinead Kimberley: And I think on that kind of knowing your audience and seeing how you think they will actually react to this. I think if I think of any place where I've been and if I felt like I got a good deal, I don't have to think I know, stole my ticket. But if I feel like I got a good deal and I then also have a lovely experience there, I have a lot more reason to go and try and recommend that to a friend or go back even again, because I feel like I got treated well essentially in a considered way of maybe what I would find beneficial. Sinead Kimberley: And if that starts with my interest being piqued by a discount and then it goes on to me actually now being part of that audience that maybe I wouldn't have been otherwise, that also has a knock on gain rather than if I saw a price that I saw no discount to, no benefit to, then I wouldn't maybe go in the door in the first place. So you don't just miss that first discounted sale, you might miss the next full price sale of a ticket. Maybe. So there's so much to think about, depending on the audience that you're looking at. Oz Austwick: Absolutely. And I guess I kind of fall into the group where if I'm going to go somewhere, I'm probably going to go there. If you offer a discount or not, I'm probably still going to go. Getting my family to a venue is quite a big job. You know, logistically it's quite tricky. There are a lot of us and we go out a lot, so going somewhere, we tend to travel a little way to get to somewhere a bit special. And we'll have made the decision before I go to book the tickets, but if I can book the tickets and I say, “Hey, I've saved 20 quid doing this”, then in my head what I'm actually thinking is I can spend 20 quid when I get there. Sinead Kimberley: Yeah. Oz Austwick: Maybe we don't have to buy a picnic from a supermarket on the way and save money that way. Maybe we can eat on site. Sinead Kimberley: Yeah. Oz Austwick: So I don't know for sure, but I strongly suspect that my overall kind of purchase value is more when somebody offers me a discount up front. Sinead Kimberley: Yeah. Oz Austwick: But again, you know, test it. Your mileage may vary. Sinead Kimberley: Yeah. Oz Austwick: So I guess, I mean, we've talked about this for quite a long time now and I think that we probably shouldn't go on too much but to stress, you know, if I can give you anything to take away from this discussion. It's a, that you really need to get hold of this data and look at it and see how it applies to you and test it, you know, look at what people who are making success out of their venue are doing and see if you can do the same thing. Oz Austwick: But also come and talk to us. We'd love to talk to you about this stuff. There's so much data and there's so many ways you can look at it and we're really able to break it down in a really granular way to say, “Oh, this is what animal based attractions are doing. This is what aquariums or this is what historic homes are doing, this is what theme parks are doing, this is what museums are doing.” We can do all of that. We can't put all of that data out there. Sinead Kimberley: No, it'd be very long. Oz Austwick: Yeah. I mean, it would be ridiculous. And I strongly suspect that our designer would leave when, in fairness, I might too, if we had to make a report that was five times as long as the one that we've done. But, you know, if you're a client of ours and you want to talk about how you can do better, you know, hit up Sinead, drop her an email. If you, if you're not a client and you want to talk, then talk to Sinead, talk to me, talk to Paul. We'd really love to kind of go through this with you and help you be more successful. That's kind of why we're doing it. Sinead Kimberley: Exactly. I think that on the just talking about it as well, if it's one of those things where it feels very big and you're thinking, I've got 300 other things I'm meant to be doing, how am I meant to go and look at sustainability and reducing the steps and all of these other things, I think you can almost maybe be led as well by what people are increasingly doing, which is looking at the user experience and getting information from whoever is using your site. Because I was really happy when I saw the increase this year in people who are testing the site. And if you even can't get to that point where you can't do a big user experience testing thing, go and talk to all of the partners you're working with. Sinead Kimberley: Because the vast amount of knowledge in the kind of community that's formed around all of these attractions, us included, particularly for our clients, even just asking us, you know, go internally and let me know how people experience booking on the site. Partners, I think, will be happy to help have a look at that. Even if it's only a small sample of feedback points that you get that you can maybe incrementally just try and change slowly. But I think opening up that question, however big or small you're able to do it, will mean that by the time we ask you these questions next year, you're that slight step forward from where you want to be. And you don't just look at the report and think, oh, again, I wish were further up. Sinead Kimberley: I wish we could benchmark ourselves closer to the average or the higher end of the results we're getting. So, like Oz said, just come and have a chat about it. We might say, it's brilliant, it's perfect, there's nothing you could improve. Or we might, say, make the CTA bigger. Small things or big things. Just start the conversation about it, I think, and start thinking about it. Oz Austwick: Yeah, absolutely. And I think it's probably fair to say that as an organisation, we. We're really trying to put our money where our mouth is when it comes to visitor attractions. So if you follow Robert Cheese on Instagram, you'll probably have seen that Sinead that I, that Steve, our project manager, that Paul, we're all going out and visiting attractions and actually trying to experience that booking process as a visitor. And you may well be surprised if you give us a bell or drop an email and say, we'd really like to talk about our website, we can say Great. Because when I booked tickets to come and see you, this bit was really difficult. And there's definitely some personal experience in there as well. So, yeah, talk to us. Oz Austwick: And if you want to talk to me, I'll come to you happily, as long as you make me a coffee. I'm a sucker for a coffee. So do we have any Calls to Action? Sinead Kimberley: Talk to us. We're not needy, honest. But please talk to us. Oz Austwick: We are a little bit needy. Oh, I know what it was I wanted to say Sustainability Action Group. We're very aware that sustainability is of growing importance and yet it's relatively new. And this is something that we're going through ourselves. We're currently reworking our own website and we're helping a of our clients to do those. So what we're trying to do is put together a group of people who are all kind of going through the process together. And this isn't us saying we're the experts at this and we'll help you do it. We've got the technical expertise and we can help with that, but we're all going through the process. Oz Austwick: So if you want to go through that process and you want to improve the sustainability of your website, then we are putting together a group of people that want to work together and share their wins, share the things that haven't gone as well for them, and hopefully we can all lift each other at the same time. Drop me an email or reach out to us on social media and we'll get you involved if you want to do that. So before we wrap it up for good, I want to ask you the question that we ask everyone that nobody's asked you yet, which is, do you have a book recommendation? Sinead Kimberley: I do. And not to keep banging on about sustainability, but I will keep banging on about sustainability. Oz Austwick: She really will. Sinead Kimberley: Just ahead of Black Friday and all of that madness. I love the visit attractions versions of Black Friday because you're not selling a thing, you're selling an experience when you have your tickets that I love. Keep doing that. But I read a book recently by Patrick Grant, who is in the British Sewing Bee, and his book was called Less. And he has made my life very difficult because now I'm not allowed really to buy things because of my what I've done to my brain. But essentially the book looks at how to buy what you need and look after it and not constantly just need, need more and more. Sinead Kimberley: And the way he describes pots and pans and jumpers from his gran and all of these other lovely homely feeling things really made me think about where you put your money and what you're getting back out of that. And so when it comes to, for example, when were in Stockholm, were thinking, what do we want to do? We don't want to go shopping. We do want to go and try and do an escape room. We want to go into the Paradox Museum. We want to go do something, experience something. I feel like it makes sense to put the money there rather than buying another thing that you don't really need. And so maybe ahead of Black Friday as well. Sinead Kimberley: I think I'll try and keep that in my mind when I see all of those Amazon sales with things that I definitely want but don't necessarily need right now and try and look instead at experiences you can get from it. So, yeah, I think read that book or listen to it on BookBeat or any of the others that are available. But yeah, it really opened my eyes a little bit to the free Black Friday things you're seeing around you, I think as well. Oz Austwick: Amazing. I mean, I've not read it, so I will definitely. I'll get a copy and have a read. And if you're listening to this and you want a copy for free, get onto Twitter X and be the first person to say, I want a copy of the book Sinead has recommended and we'll stick one in the post to you. So thanks so much for talking to me for agreeing to come on when you're not feeling 100%. I really appreciate it. I've had a lovely time chatting and maybe we should just attack Paul. What do you think? Sinead Kimberley: Yeah, might as well. He's not here to argue.Oz Austwick: Thanks for listening to Skip the Queue. If you've enjoyed this podcast, please leave us a five star review. It really helps others find us. And remember to follow us on Twitter for your chance to win the books that have been mentioned. Skip The Queue is brought to you by Rubber Cheese, a digital agency that builds remarkable systems and websites for attractions that helps them increase their visitor numbers. You can find show notes and transcriptions from this episode and more over on our website, SkiptheQueue.fm. The 2024 Visitor Attraction Website Survey is now LIVE! Help the entire sector:Dive into groundbreaking benchmarks for the industryGain a better understanding of how to achieve the highest conversion ratesExplore the "why" behind visitor attraction site performanceLearn the impact of website optimisation and visitor engagement on conversion ratesUncover key steps to enhance user experience for greater conversionsFill in your data now (opens in new tab)

Mike Tindell will present in the first half hour from 8 to 8:30pm Eastern and Brent Harbolt will present in the second half hour from 8:30 to 9pm Eastern. Dream Vision Mike Tindell from Dream Vision will be presenting a great stocking stuffer idea. Come and learn about the latest hims player called the sense player. This device can do more than you ever imagined. Santa is being nice and offering great holiday promotions you don't want to miss. The Harbolt Company The Harbolt Company was started in July of 2014 by Brent Harbolt. The company was created out of a love for finding unique and interesting items. Whether it be high tech, low tech, or no tech, we have a little something for everyone. All items that we sell on our web site are guaranteed to be accessible to those who are visually impaired. If it is not accessible, we won’t sell it. We are very serious about accessibility and provide written, and audio detailed descriptions of every item that we sell. Our inventory is constantly changing, so you never know what you will find on our site. We strive to locate a variety of interesting and unique products to make your life a little easier. We ship everywhere in the United States, and to most countries worldwide. We accept all credit and debit cards, and many other payment options including Apple Pay, Google Pay, PayPal, and we even offer installment payments where you have the option to buy now and pay later. We encourage everyone to sign up for our newsletter list so you can receive our new product announcements, daily deals, contests and promotions, and special events. Presenter Contact Info Dream Vision Phone: 512-662-1629 Email: info@dvg-llc.com Website : https://www.dvg-llc.com/ The Harbolt Company Website: www.harboltcompany.com Email: sales@harboltcompany.com Phone: 405-471-1200

Unlock the secrets to safeguarding your e-commerce business from the pitfalls of card-not-present fraud and boost your checkout conversion rates with insights from industry experts Chintan Gandhi, Director of Strategic Planning and Go-To-Market, and Gordon Barclay, Director of Business Development at Worldpay. You'll discover how pervasive fraud can cost small and medium businesses dearly, and why chargebacks are more than just a financial setback—they can cripple your ability to process future payments. Chintan and Gordon share their extensive experience and strategies to mitigate these risks effectively.Struggling with high rates of cart abandonment? You're not alone—54% of digital shoppers leave transactions unfinished due to repeated payment retries. Gordon Barclay explains how Worldpay's innovative solutions, including the integration of Apple Pay and Google Pay, can provide a seamless checkout experience that keeps customers coming back. By adopting a consultative approach, Worldpay aligns merchant needs with current consumer trends, ensuring that businesses remain competitive and customer-centric. Tune in to discover actionable strategies and flexible payment integration solutions designed specifically for small business owners in the UK looking to thrive in the ever-evolving e-commerce landscape.

Twenty Minute Travel has now joined the MtM Podcast feed! You can catch this show each week right here in addition to the regular MtM Podcast or watch it on Youtube! Episode Description This week American Express announced the death of several of their cards including the Cash Magnet and the popular Everyday cards. With the loss of Everyday, is Amex retooling their lineup in preparation of a new card or are they trying to push customers up to their more expensive Gold card?   In other news the Alaska/Hawaiian merger drama continued this week as transfers from American Express broke briefly, but then came back again. Some terms leave us a bit worried about the future of transfers, but the big question is whether it makes sense to move points now or not. We also discuss China's insane 10,000 drone show, where to use the Hilton Aspire credit, Aeroplan's new 100K welcome offer, 5% categories for the 4th quarter, Hyatt's fall promotion, a tricky Hyatt property and new Amex Offers you want to know about.   Episode Guide 0:00 Saving money for travel 0:39 Alaska/Hawaiian transfer woes and developments 2:44 Will Amex to Hawaiian transfers remain & should you transfer now? 4:25 One Hyatt's tricky “mandatory” charge 7:10 Chase Aeroplan's new 100K welcome offer 8:30 RIP to Amex Everyday cards 10:05 Will Amex replace the Everyday cards in their lineup? 11:20 4th quarter 5% Categories for Chase, Citi and Discover 13:24 Hyatt's new fall promotion is sort of terrible 14:37 Hilton Aspire Resort Credit - How to use it & where it works 15:56 New Amex Offers for Marriott, Hilton, Lowe's & Google Pay 17:35 China's INSANE 10,000 drone show Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know! Music: Rewind by Jay Someday | https://soundcloud.com/jaysomeday Music promoted by https://www.free-stock-music.com Creative Commons Attribution 3.0 Unported License

Episode Description: As a reminder you can watch this show as well at: https://www.youtube.com/@20minutetravel This week American Express announced the death of several of their cards including the Cash Magnet and the popular Everyday cards. With the loss of Everyday, is Amex retooling their lineup in preparation of a new card or are they trying to push customers up to their more expensive Gold card? In other news the Alaska/Hawaiian merger drama continued this week as transfers from American Express broke briefly, but then came back again. Some terms leave us a bit worried about the future of transfers, but the big question is whether it makes sense to move points now or not. We also discuss China's insane 10,000 drone show, where to use the Hilton Aspire credit, Aeroplan's new 100K welcome offer, 5% categories for the 4th quarter, Hyatt's fall promotion, a tricky Hyatt property and new Amex Offers you want to know about. Episode Guide: 0:00 Saving money for travel 0:39 Alaska/Hawaiian transfer woes and developments 2:44 Will Amex to Hawaiian transfers remain & should you transfer now? 4:25 One Hyatt's tricky “mandatory” charge 7:10 Chase Aeroplan's new 100K welcome offer 8:30 RIP to Amex Everyday cards 10:05 Will Amex replace the Everyday cards in their lineup? 11:20 4th quarter 5% Categories for Chase, Citi and Discover 13:24 Hyatt's new fall promotion is sort of terrible 14:37 Hilton Aspire Resort Credit - How to use it & where it works 15:56 New Amex Offers for Marriott, Hilton, Lowe's & Google Pay 17:35 China's INSANE 10,000 drone show About the Show: We love to travel and love to laugh! 20 Minute Travel is designed to get you all of the info you need to supercharge your travel by utilizing credit cards, travel rewards and other tricks to pay pennies on the dollar.  Shawn Coomer is the founder of Miles to Memories and has traveled all over the world with his family utilizing miles & points. He has been writing and podcasting about miles, points and travel since 2013 and has earned and spent millions of points & miles across dozens of programs. Mark Ostermann is the former Managing Editor of Miles to Memories and is the Managing Editor at Travel on Points. He has been writing about his travel experiences since 2017 and loves to dive into the weeds so you don't have to. He also enjoys a good beer and a laugh or fifty. Each week tens of thousands of people tune into our MtM Vegas news shows at http://www.YouTube.com/milestomemories. If you like this show check it out! Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at 20minutetravel@gmail.com.

Ever wondered how small and medium-sized businesses can not just survive but thrive in the complex world of ecommerce? You're about to find out. Join us as we sit down with Chintan Gandhi and Rob Ward from Worldpay, two industry veterans who share their fascinating career journeys and insights. From Chintan's move from India to the UK and his deep-rooted experience in payments to Rob's transition from law to a decade in the payments sector, this episode offers a rich tapestry of personal stories and professional wisdom. Together, they shed light on the dynamic evolution of ecommerce in the UK and how Worldpay's global expertise can be a game-changer for SMBs looking to make their mark online.COVID-19 has reshaped many industries, and we plunge into its profound impact on the restaurant sector in the US and the UK. Discover how traditional establishments, including countryside pubs, have pivoted to embrace online and curbside services. The conversation dives into the rise of mobile wallets like Apple Pay and Google Pay, now dominating over 50% of UK transactions. We delve into the pressing challenges SMB merchants face, such as fraud, security, cash flow, and conversion rates. Learn how Worldpay's advanced solutions, including cutting-edge fraud detection and strong customer authentication, are paving the way for merchants to navigate these hurdles effectively. Packed with actionable strategies, this episode is an essential listen for anyone looking to master the ever-evolving ecommerce landscape for SMBs in the UK. 

It's been 6 years since we've had TenantCloud join us on the podcast, and a lot has changed since then! In today's episode of the #DoorGrowShow, property management growth expert Jason Hull welcomes Mark DeHaan from TenantCloud to talk about how it can help property managers collect payments, advertise properties, and screen potential tenants. You'll Learn [03:03] TenantCloud update!  [06:46] How does TenantCloud compare? [09:34] TenantCloud integrations  [12:20] Scaling with your software  [15:56] Starting strong with Rentler  Tweetables “A lot of times when you get into rental real estate… you log into a property management system and you're like, "holy smokes, this is so overwhelming like I can't figure this out.” “A lot of property managers have all of these different tools. They kind of build their own Swiss army knife or stack of different tools and software.” “A lot of property managers have a challenge with financials and accounting.” “We love the rental real estate industry and helping people grow and make passive income and that's what we're all about.” Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive TalkRoute Referral Link Transcript [00:00:00] Mark: A lot of times when you log into a property management system and you're like, "holy smokes, this is so overwhelming, like I can't figure this out." [00:00:07] And that's, I think the differentiator that we tried to solve.   [00:00:11] Jason: Welcome DoorGrow property managers to the DoorGrow show. If you are property management entrepreneur that wants to add doors, make a difference, increase revenue, help others, impact lives, and you are interested in growing in business and life, and you're open to doing things a bit differently, then you are a DoorGrow property manager. [00:00:29] DoorGrow property managers love the opportunities, daily variety, unique challenges, and freedom that property management brings. Many in real estate think you're crazy for doing it. You think they're crazy for not because you realize that property management is the ultimate high trust gateway to real estate deals, relationships, and residual income. At DoorGrow, we are on a mission to transform property management business owners, and their businesses. We want to transform the industry, eliminate the BS, build awareness, change perception, expand the market and help the best property management entrepreneurs win I'm your host, property management growth expert, Jason Hull, the founder and CEO of DoorGrow. [00:01:10] Now, let's get into the show. And my guest today is Mark DeHaan of TenantCloud. So Mark, welcome to the show. Good to have you.  [00:01:19] Mark: Yeah. Thanks Jason. Nice to meet you. Appreciate it.  [00:01:22] Jason: So we haven't had TenantCloud on the show for like six years. Back then, Joe Edgar was CEO. I had to look it up because I'm like, "I know, that they've been on the show before." [00:01:32] So I'm guessing a little bit's changed since then. So why don't we start by getting into a little bit about Mark. Tell us, tell everybody like, who are you and how'd you get into your entrepreneurial journey and then what led you to being at TenantCloud?  [00:01:46] Mark: Yeah, great. Yeah. So I'm based here just outside of Salt Lake city, Utah. [00:01:50] And I was a co founder of Rentler. And we partnered with TenantCloud, merged with them about five years ago with Joe. And when he exited, I ended up taking over as a CEO and running both Rentler and TenantCloud. And it's been a big journey by then, but yeah, my history was rental real estate. [00:02:13] And being an entrepreneur and really sacrificing and so forth. And it's been really exciting, and I love your audience because I think they can relate to, you know, being an entrepreneur and trying to grow in the real estate business.  [00:02:25] Jason: So for sure. I'm looking up Rentler right now, cause I don't know what it is. [00:02:30] What's Rentler? [00:02:31] Mark: So Rentler primarily focuses on listings and filling vacancies for landlords, small mom and pop landlords. Yeah. It does some payments and screenings and a few other tools and syndicates out your leads. And then TenantCloud is a lot more robust. It does the accounting, the maintenance, a ton of things that you can track with service professionals and your owners and reporting. [00:02:53] And so they came, they come together really nicely. And we just try to really focus on. landlords and property managers and using technology to make their lives easier.  [00:03:03] Jason: Got it. So what's what's been going on at TenantCloud since in the last six years? Like what what are you guys doing lately? [00:03:12] And you know, why should people use TenantCloud? Like, let's get into it.  [00:03:17] Mark: Yeah. So the last bit we've been growing tremendously. We're processing over a billion dollars in rent payments a year. Well over that. And TenantCloud really as its core is to help the rental life cycle and help owners, service professionals, tenants, and landlords really come together and leverage technology to run the business and the way we built it was with that in mind to really make things seamless and easy. And you can pay your rent with, you know, ACH, credit, debit, Apple Pay, Google Pay. We have a lot of things that we're working on to just make life easier there. We do screenings, have a ton of different bundles, options for you to do screenings and to protect your investment. And that's been really good to help people with income verification and criminal and background checks and of that nature. [00:04:11] Yeah and we do a lot of accounting. We will even file your Schedule E for you automatically. So the cool thing about TenantCloud is you don't have to have a degree in accounting. You can really log into our software and we're, we'll lead you along that process. And we'll do a lot of the tax reporting team management and you know...  [00:04:33] Jason: Can you explain what a schedule E is for those that might not be familiar with it. [00:04:38] Mark: Yeah, absolutely. So schedule E is you know, to report income or loss on your rental real estate. And that's one thing that you'll have to do. You'll get a 1040 form and, you know, the government will want you to file that. And sometimes that can be tough to do, but with our system we will track all of your expenses and all your income and so forth and help you file that form on your behalf.  [00:05:05] Jason: So for property managers, they're doing this third party for owners, this then becomes a resource for the owners that they're managing properties for. It will do it for them as well? [00:05:15] Mark: Yes, and we do have like an owner portal. So what's great is you can have your owners log in instead of having that back and forth. [00:05:24] We give them a login where they can have some view access to see their portfolio as well. So it just makes it easy for those property managers to work with their owners.  [00:05:35] Jason: Got it. Okay. Now what's different between a property manager using this tool or like owners just going direct and getting TenantCloud and bypassing the property manager? [00:05:46] Mark: Well, yeah, I mean, some owners can do that, but I mean, then they have to deal with a lot of the heavy lifting with the maintenance and managing all the units. And so with the property manager using our system, we make it easy for the owners to have access and you can send your distributions to them and so forth. [00:06:05] But it really comes down to the ease of use and being able to manage all your leads. Manage, you know, all your contracts, all your communications with your tenants and with it, it's such a affordable option. Like our lowest plan is 17 bucks a month and we don't do a lot of unit restrictions like other competitors where you can add a bunch of units on the system. And really make it affordable for you as a property manager. So, yeah, hopefully that answers your question there.  [00:06:36] Jason: Got it. Okay. So you would say TenantCloud's probably a lot more affordable than some of the competition that exists for property managers out there. So how would you say TenantCloud kind of compares to some of the big names in the industry like Appfolio, Propertyware, there's a bunch of these You know, and then I know Bodia just came out with RentVine and then Rent Manager, you know, these tools. So we've got clients using all these different tools. [00:07:03] So how does TenantCloud sort of fit into the mix and how do you kind of stand out among all these different tools because there's so many of them now.  [00:07:11] Mark: Yeah. So we started with the end user in mind where it was more of a business to consumer platform where you didn't have to do a heavy integration and you could just quickly create an account and more of a self service where it would be really intuitive. [00:07:28] If you were, you know, if you had one property up to, you know, 50 units, you could easily log in. And it was way more affordable than those bigger players. They have monthly minimums, and you'd have to spend months to integrate your stuff. Everything we built was to make it so, boom, within a couple days, you could get set up, and we would help you add your accounts, add your units, add your tenants data. And so we really tried to make it cutting edge where we used a lot of the technology to help you get set up a lot quicker. And so one thing that people really, they come over to us is. You know, they're like, "man, your platform is a lot easier to use because of the way you built it. It's just really quick to get it. I don't have to hire an accountant or get an implementation manager to help me use your software" because a lot of times when you get into rental real estate, you're an entrepreneur or you have a day job and then you log into a property management system and you're like, "holy smokes, this is so overwhelming, like I can't figure this out." [00:08:35] And that's, I think the differentiator that we tried to solve is that you don't have to have a professional help you use our software. You can just go ahead and get started and it will help you from day one.  [00:08:46] Jason: So basically, you're kind of one of your unique differentiators is since you started with the consumer in mind, instead of maybe a property manager in mind, you focus really on maybe the tenant and the property owner's experience being you know, really great, which once you started focusing on property managers, probably made a lot easier for the property managers. They're probably getting less questions. Maybe the reports are a little more clear. It's a little bit easier for them to figure out what they need, which has been a frustration. I've heard from a lot of software, you know, the owners find it confusing. They find their statements confusing. The tenants are like feeling things are confusing. Now a lot of property managers have all of these different tools. They kind of build their own Swiss army knife or stack of different tools and software. [00:09:34] How are integrations with TenantCloud or which things do you guys do really well that they might not need? You know, some of our clients might, for example, be using TenantTurner, even though they use Appfolio in order to get properties leased out and, or they might be, or to do self showings, or they might be using we've got a lot of clients getting going on this new AI maintenance coordinator called Vendoroo, or in the past, they might use PropertyMeld, you know, for maintenance coordination. [00:10:01] So they're stacking all these different tools because usually there's better stuff than what the property management software has internally. How does TenantCloud sort of go with this?  [00:10:11] Mark: Yeah, that's a great question. So TenantTurner is an awesome company and we have an integration with them. [00:10:18] Jason: Okay.  [00:10:18] Mark: And so we feel like we're a platform and we're doing more and more integrations with companies like you mentioned with maintenance. There's others out there that solve that problem. I mean, we have a maintenance portal, but we love to integrate other tools and make it so it's seamless and easy that you can do a show in coordination like a TenantTurner and so forth. [00:10:39] And so, yeah, that's a big thing for our users and we love to work nicely with other companies that will help benefit them.  [00:10:47] Jason: Great. So, TenantCloud has an open API that some of these companies can connect with? Yeah. Okay. Awesome.  [00:10:54] Mark: Absolutely. I mean, we have a partnerships team and they can reach out and we can, you know, when our users request certain things, we say, you know, that makes sense. [00:11:04] So absolutely. We love that.  [00:11:06] Jason: Is there a scenario or a situation in which you think. TenantCloud' s maybe not a good fit for certain property managers or certain types of management.  [00:11:18] Mark: Yeah, that is sometimes like multifamily or you're getting really a ton of units. You're going to probably need something a little bit more robust. [00:11:27] Now, we just launched reconciliation and some other features more reporting tools to help as we move up market because primarily we were focused on ones that, you know, had under 10 units and then we started growing. Now we have people that use us that have a few hundred doors and they love it. [00:11:46] They love the ease of use. They love the cost. They love that it's not restrictive, but some of that trade off is like, "Hey, you don't have some of these other customizations that you know, maybe a Yardi or some of these bigger players have." And so I would say if that's the case, you know, you'd have to wait a little bit as we continue to add more of those robust features for the upmarket bigger players. [00:12:08] Jason: It sounds like TenantCloud is a great place for a property manager. And it's small to start, especially when they're getting pushed back from places like Appfolio or Buildium, saying you have to have a 200 door minimum stuff like this. Is TenantCloud something that can scale with them up to maybe a thousand doors? Are they going to run into some capacity issue or some challenges if they continue? Because switching software is hard.  [00:12:31] Mark: Yeah, it is. And we do have some that have a thousand doors and some bigger ones and they love it. And I think it's just the way you approach your business and how you can adapt. [00:12:41] I mean, you'd save a ton of money and the way that every property manager is different. You know, I wish there was a standard in how accounting worked in the industry and how things did with money in, money out and so forth. But so sometimes people say, "well, I'm just so used to how these older systems work," and that's fine. [00:12:59] But if you want to be more innovative and more customer facing and adopt, you know, the latest technologies on how payments are being transferred and so forth, then I think you'll fit in really good, you know, with what we have going on.  [00:13:13] Jason: Got it. Yeah. I know that's been an industry issue for a long time is they're not being sort of a standard in accounting and NARPM then released the NARPM sort of chart of accounts and the NARPM accounting standard that hopefully is starting to get people a little more on the same page. [00:13:30] It has kind of been an adoption challenge, I think, and some people are starting to get going on it. And then there's definitely some businesses that have been capitalizing on it financially to like help businesses get that dialed in and get their QuickBooks like mapped out. Related to that, a lot of property managers have a challenge with financials and accounting. [00:13:51] They've got the accounting they've got to do for the client, right? Which is usually done by their property management software. But then there's their internal accounting, their own books. And some of them try to run that through their software, which I think is a little crazy. Or some of them tried, like, will have QuickBooks or something else. [00:14:07] I've noticed this it is a common problem in the industry is like people having this accounting mess and not being focused on it. Some outsource it and I've had clients come to me that say they found out their bookkeeper or accountant wasn't doing things right for like three years. And then one of my clients was suing their accountant and won and like, but it's still a mess that has to be cleaned up. [00:14:31] And so, maybe you could touch on TenantCloud. I know you help with the owners and their properties and the accounting. I'm sure. How do they help with their business accounting? Is there any connection to like maybe quickBooks, or is this something that the tool helps with or how would this work? [00:14:50] Mark: Yeah. So we have an integration with QuickBooks and that helps. And then everything we do with the reporting and with all your financials, we just try to make it really easy between the owners and the property managers so that, you know, it's seamless, but I do feel like, you know, QuickBooks could help. [00:15:09] And, you know, primarily we're trying to do property management software. But you know, personal finance is a big part of that. We just are launching a cool product with our banking partner where we can now loan some capital to folks that want to grow some doors. And so with our payment system and our banking partner, people can quickly get a loan directly through our system and they could use it to then go buy their next rental property. So we're looking at more innovative ways. That just kind of reminded me on the personal finance, like, "Hey, I really want to go buy this next door, but I don't have some money." We can help loan that money to help you grow your business. [00:15:51] And that's going to be coming out here at the end of this year.  [00:15:54] Jason: Cool. Very cool. So how does how does this relationship with Rentler and TenantCloud benefit, maybe property managers that are looking to use your software. And this, your shirt has on it. So then you've got this relationship going there. [00:16:08] So how did these kind of work together? I'm curious.  [00:16:11] Mark: Yeah. So Rentler doesn't have a subscription. It's free to use. And so if you're just like one unit. And you're just barely getting in. Let's say you're moving and you just need to rent out your basement apartment or you just have one property, you can use our payment system, do screenings and you can list your property, syndicate, get your leads, fill vacancies. And it's like super light. I mean, it would probably be very similar to like a Cozy back in the day, or like a Zillow Rent Manager just something there to just boom, do that. And then as you graduate, as you go, "Hey, I really want to do more accounting or actually property management software." [00:16:51] Then you graduate up to TenantCloud and when you list with TenantCloud, it will post on Rentler, but Rentler was primarily, you know, a listings and filling vacancy. So that's how that works.  [00:17:02] Jason: Is there an easy upgrade path from Rentler to TenantCloud or?  [00:17:06] Mark: Absolutely. Yeah, there is. [00:17:07] Yeah, we have a fantastic support system. Pretty much 24 seven support. We have chat, we have people you can call and we'll help you. Most all of our support have been in property management and ran their own property management companies. And so they're really helpful to. to guide you and what you need for your business. [00:17:26] Jason: Got it. Okay. Very cool. So, well, this is very helpful. Anything else that people should know about TenantCloud if they're working on making this decision right now between all these different software that exist out there?  [00:17:38] Mark: Yeah, I'd say we have a free trial and give us a shot and there's a lot of great things coming down the pipe. [00:17:44] So just ask our team, you know, Hey, if we don't have something that we probably will have it coming soon, but yeah, give us a go and you'll love it and we'll make your life a lot easier.  [00:17:56] Jason: Very cool. Awesome. Well, Mark, how can people find out more about TenantCloud? How can they get in touch with y'all? [00:18:04] Mark: Yeah, they can log on TenantCloud. com. We do a webinar every Thursday and they can learn about our system. And they can sign up for that on our website, TenantCloud. com. They can reach out. We have a great sales team, account management team that will give you a demo. You know, We'll do a consult free consultation on your business and help you out with that. [00:18:25] So we're happy to help we love the rental real estate industry and helping people grow and make passive income and that's what we're all about.  [00:18:34] Jason: Awesome mark. Thanks for coming on the DoorGrow show giving us an update on TenantCloud and everybody check them out at TenantCloud. com. Thanks for coming, Mark. [00:18:43] Mark: All right. Thank you, Jason. Appreciate it.  [00:18:45] Jason: You bet. All right. So if you are a property management entrepreneur and you are either struggling to get leads or to add doors to your property management business, reach out to DoorGrow. We might be able to help you and we've been able to help lots of our clients add hundreds of doors to their portfolios to help them scale their businesses. [00:19:09] And we would love to see if we might be a fit for you to help you scale as well. So check us out at doorgrow.Com. And if you are a fan of the podcast or you follow us on YouTube. Make sure to like, and subscribe and make sure you're plugged in and make sure to join our free Facebook community by going to DoorGrow club. com. If you go to doorgrowclub.Com, it will redirect you to our Facebook group so that you can join. Make sure you answer the questions clearly because we're really careful about who we let in. We reject 60 to 70 percent of the people that apply to join that group every month. It's for property management, entrepreneurs, property management business owners. [00:19:54] That includes those of you that are starting a property management business, just let us know that in the questions. So answer the questions. Join that and make sure you're asking questions inside the group and you'll by joining the group. We will also send you a series of free gifts to benefit you including a fee bible and some other resources that I think would be really useful to your business. [00:20:18] And you can also then schedule a call with our team. So check that out doorgrowclub.com. Until next time, everybody. To our mutual growth. Have an awesome week. Bye everyone [00:20:28] you just listened to the #DoorGrowShow. We are building a community of the savviest property management entrepreneurs on the planet in the DoorGrowClub. Join your fellow DoorGrow Hackers at doorgrowclub.com. Listen, everyone is doing the same stuff. SEO, PPC, pay-per-lead content, social direct mail, and they still struggle to grow!  [00:20:54] At DoorGrow, we solve your biggest challenge: getting deals and growing your business. Find out more at doorgrow.com. Find any show notes or links from today's episode on our blog doorgrow.com, and to get notified of future events and news subscribe to our newsletter at doorgrow.com/subscribe. Until next time, take what you learn and start DoorGrow Hacking your business and your life.

Our guest is Jenni Lord, founder and CEO of Chosen, working to empower and support Families involved in the adoption, foster care, and welfare system in America. We discuss Jenni's story, the power of collaboration, how to launch a social impact org, why grit matters, and more. Make sure to visit http://h3leadership.com to access the list and all the show notes. Thanks again to our partners for this episode: CONVOY OF HOPE - donate to the ongoing work at http://convoyofhope.org/donate. Convoy is my trusted partner for delivering food and relief by responding to disasters in the US and all around the world. Right now, Convoy of Hope is responding to tornadoes in the US, still helping war victims in Ukraine, providing basic needs like food, hygiene supplies, medical supplies, blankets, bedding, clothing and more. Along with earthquake and violence victims in the Middle East. And the Maui Wildfires. Help at http://convoyofhope.org/donate. All through partnering with local Churches. Join me and please support their incredible work. To donate visit http://convoyofhope.org/donate. And OVERFLOW – change the way you give with Overflow. Visit http://overflow.co/h3. Overflow is a simple way for your congregation to give through Apple Pay, Google Pay, stock, debit, credit, and cryptocurrency. Plus discover Overflow Tap, which allows attendees to simply tap their phone on the chair in front of them, for giving, registering for events, and filling out connection cards. Discover effortless generosity with Overflow. Visit http://overflow.co/h3 for ONE YEAR FREE of Apple Pay and Google Pay when launching Overflow Tap. Visit http://overflow/co/h3 to learn more.

Our guest is Dave Gibbons, strategic advisor, founding pastor of Newsong Church, activist, and best-selling author of multiple books, including his most recent memoir entitled The Shape of My Eyes. We discuss Dave's story, the power of transparency, how to be a succesful strategic advisor, prophetic wisdom, and much more. Make sure to visit http://h3leadership.com to access the list and all the show notes. Thanks again to our partners for this episode: HELP ONE NOW – empowers families in developing countries through partnership with high-capacity leaders with proven solutions to end extreme poverty. Visit https://helponenow.org/thecircle. Get involved by joining The Circle, a growing network of people committed to ending extreme poverty through family empowerment. Your monthly recurring gift will send students to school, empower families to launch businesses and support the growth and impact of Help One Now. The Circle creates a sustainable pathway to break the cycle of poverty for generations to come! To learn more visit http://helponenow.org/thecircle. And OVERFLOW – change the way you give with Overflow. Visit http://overflow.co/h3. Overflow is a simple way for your congregation to give through Apple Pay, Google Pay, stock, debit, credit, and cryptocurrency. Plus discover Overflow Tap, which allows attendees to simply tap their phone on the chair in front of them, for giving, registering for events, and filling out connection cards. Discover effortless generosity with Overflow. Visit http://overflow.co/h3 for ONE YEAR FREE of Apple Pay and Google Pay when launching Overflow Tap. Visit http://overflow/co/h3 to learn more.

Mark Rasmussen of Moolah is on the podcast with Kiera! Moolah is all about modernization of payment in dental practices. Mark and Kiera talk about Moolah and its full suite of payment tools, what modernized payments look like in dentistry, software/devices to use, honest processing fees, and more. Bonus: Dental A-Team listeners get a pricing discount: www.moolah.cc/thedentalateam  Episode resources: Learn more about Moolah  Score preferred pricing as a DAT listener here! Reach out to Kiera Watch DAT Podcasts on YouTube Practice Momentum Group Consulting Subscribe to The Dental A-Team podcast Become Dental A-Team Platinum! Review the podcast Transcript: Kiera Dent (00:00.622) Hello, Dental A Team listeners. This is Kiera and I am super jazz. I have a new guest to the podcast, new to the Dental A Team family. I have been watching this company for the last several years. I've had my eyes on them. I recommended them several times, but I'm super excited because I want to help you guys modernize how you guys are taking payments in the dental world. I feel like dentistry is a little old school. So I'm super jazzed to have the CEO and founder of Moolah, Mark Rasmussen on today. Mark, how you doing over there in beautiful Mexico today?   Mark Rasmussen (00:00.76) Thank you.   Mark Rasmussen (00:30.552) I am doing fantastic here. Thank you for allowing us to be part of the podcast. Excited to join you. And as you mentioned, yes, in down here in sunny Mexico, a little family vacation, happy to take a little break and talk with your community.   Kiera Dent (00:35.598) Thank you.   Kiera Dent (00:45.934) Amazing. Well, I was like, that's pure dedication. I offered to have you rescheduled because I'm like, you're in Mexico, go with the family. But I also know sometimes work is kind of fun on vacation. It's like, you know, you guys sit at the pool, I'll go have some alone time. But hopefully.   Mark Rasmussen (00:50.072) Haha.   Mark Rasmussen (00:59.608) Listen, you're winning in life if you feel that your work is worthwhile. Taking a break from a little vacation, that's how you know you're winning. So yeah, glad to do it, excited to do it.   Kiera Dent (01:08.079)  Awesome. Well, I do love Moolah a ton. So I just want, Mark, let's kind of give the listeners, you're new to the podcast. Like I said, I've watched you guys for years. So can you kind of walk the listeners through Moolah, Mark, how did you get into dental payment processing? Walk us through kind of like the history of you and Moolah.   Mark Rasmussen (01:24.888) Yep.   Sure, awesome. Okay, so I have been around electronic payments, just non -dental for about 27, 28 years. My God, I'm dating myself, but yeah, about 28 years. And...   Kiera Dent (01:38.446) Hey, it's fine. I'm sure you're probably like 29. You probably started this business when you were one. That's my assumption, right? Or like you got into it. Yeah, of course. You're fine. 30. Never looking younger than 30 over there. You're looking good.   Mark Rasmussen (01:43.064) Yeah, exactly. Exactly. Let's go with that. Yep. Exactly. I've actually, this is not gray. I actually make this gray. This is normally dark, but I just tried to distinguish myself and try and go gray.   Kiera Dent (01:57.07) I thought you were trying to like match your like mullah swag, right? Like, you know, like beard and mullah, like same thing so that we look covered head to toe. You got the black glasses, you know, the white beard. It's not gray. It's just white. You're trying to go on brand. Yeah, you're welcome.   Mark Rasmussen (02:00.632) yeah, there we go. Mm -hmm. I like it.   Mark Rasmussen (02:06.936) I like it. I like it. Exactly. Exactly. So, so been around payments forever. About four years ago, we got invited into the dental community from our friends at Dental Success Network. And so we started going to their events. And, you know, they loved our model. Our model has always kind of been about simplicity. Even when we were non dental, we were all about like,   you know, no contracts, no monthly fees, we provide the hardware. And so that kind of was really resonating with the dentist. But the constant feedback that we were getting was like, hey, this is cool. But we really want technology, we really want all of our payment activity posting into the patient ledger. And so we set about to go build that out and took us a couple years and but you know, ended up with a phenomenal platform that allows us to really kind of serve up.   this full suite of payment tools for dental practice. That's in practice payments, of course, storing patient cards, being able to create and manage payment plans, be able to create and manage in -house membership or discount plans, sending out electronic requests via text or email to collect on a balance, allowing the practice to have a online payment submission, you know, so those patients can make payments after hours. So just this full suite of payment tools.   that are posting back into the PMS. And really we think serving up the full suite of tools that today's practice would need.   Kiera Dent (03:40.206) for sure. And I think that that's brilliant because you actually are speaking the language. Me as a team member, that was always our big thing with the processors of great. I'm glad you got this great one, but they don't go into the PMS system. They're not easy for me. But I'm curious, Mark, and this is something where you can be honest. Dental A Team is like no filter. I tried really hard to just have a good time on the podcast. How dated did you feel dentistry was? Yeah, of course. Yeah. But I mean, you're totally. Yeah, of course. Do whatever you want. I mean, I'm here for it.   Mark Rasmussen (04:00.056) Nice. Should I grab a tequila shot and serve Asus right now? Or like how much of a good time are we having here? I'll stick to water.   Kiera Dent (04:08.718) Yeah, okay. But I'm curious when you came because you didn't experience dentistry before you came into it. How dated was dentistry as an industry from your perspective? Like, were you a little like blown away? Like, I kind of say like, we're horse and carriage sometimes and some like, the fact that we didn't have online payments blows my mind, right? Could you please call during eight and five to make your payment to pay me? Like, we're gonna make it hard for you. How dated did you feel like dentistry was when you guys entered the industry? No judgment. I just   Mark Rasmussen (04:16.024) Mm -hmm.   Mark Rasmussen (04:30.424) Right. Right.   Kiera Dent (04:37.454) Because I think, like I said, it's horrible.   Mark Rasmussen (04:38.008) No judgment. I won't call it will protect the innocent. I won't call it any names. But yes, when I got into the space, I was blown away because there are some, you know, big legacy providers from payments perspective that had all of these legacy relationships with all the PMS is and I kind of just felt like they've been resting on their laurels for a really long time. Like they have the relationship and then they kind of stopped innovating. And so, yeah, I was, you know,   Kiera Dent (04:41.142) you   Kiera Dent (05:03.662) Mm -hmm.   Mark Rasmussen (05:07.352) surprised that there was a lot of room to make improvements. And so yeah, it's been a great time. And not only improvements on the technology, but even the methods of I'll just call it old school solution providers, payment providers out there. Most of them are old school. And what I mean by that is that, you know, everything from, you know, the signup process or learning about what the fees are going to be.   If you go, for example, go take a look and again, I'm not naming any big names, but go, we all know what they are. If you go to their website and you go to see like, all right, well, how much does merchant services cost from this company? None of them have pricing or rates on their website by design, right? They're all meant to submit a contact form and then wait to have a salesperson call you back. And then, you know, it's just, it feels, it always felt very like car sales, like no disrespect to anybody who sells cars.   Kiera Dent (05:52.014) Peace.   Kiera Dent (05:58.318) Right.   Mark Rasmussen (06:04.92) but it felt very car salesman like of what that experience looked like. And so we were always a big believer of like, we wanted to make, you know, getting signed up for processing less sales like and more transactional like, and how do you do that? You wear your pricing on your sleeve. Like you can go to, you know, the Moolah website, you know exactly what our processing costs. There's no surprises. You don't need to speak with anybody to get pitched on what the services are.   Kiera Dent (06:17.998) Mm -hmm.   Kiera Dent (06:28.878) Thank you.   Mark Rasmussen (06:30.584) And so again, I always liked that. I like more of a transactional experience than a sales experience in kind of, you know, all my aspects of life. So, you know, that element, we saw room to improvement. So, you know, easy to know what the pricing is. And then from a signup perspective, everything can be done online, right? You don't have to have this salesperson send you, you know, paper applications or PDF applications, and you don't need to fill those out and then submit them to the bank and then wait for a couple of days for underwriting.   Kiera Dent (06:34.99) Thank you.   Kiera Dent (06:58.158) Thank you.   Mark Rasmussen (06:59.768) maybe have to provide financials or tax returns, like all that. So with us, we removed all those elements and it's just very easy to know what it costs, very easy to sign up within seconds. So again, just removing the barriers to entry on the actual signup process is a big lift in experience as well.   Kiera Dent (07:11.566) Thank you.   Kiera Dent (07:18.862) Totally agree. And I think I think that that's what's so fun is having these disruptors come into dentistry of this is what you guys could expect from other people but you're right like it is kind of dated and dentistry is such a Relationship industry. I mean I say lab people and reps are so lucky because dentists are so loyal to them So I really really do love that you guys are disrupting it and like you said it's making payments easier and so I was just curious if you can talk about like   Mark Rasmussen (07:39.028) yeah.   Kiera Dent (07:45.134) what does modernized payments look like? Like what should practices, like what's the standard that we should be living at right now? So offices can kind of almost checklist them of am I doing this in my practice? And if not, maybe I should consider a different processor.   Mark Rasmussen (07:59.064) Yeah. So the first thing we touched on is I think you should look at a vendor who can provide you the immediate kind of instant on type of experience. I think the whole legacy of, you know, multi -day underwriting with the bank having to have a hard credit inquiry pull is unnecessary today. Although again, a lot of the legacy providers work that way. So an instant on, I think, you know, modern, you know, modern payments day means not having to lock yourself into any contracts. I'm a big believer in that. Like,   Kiera Dent (08:08.942) Mm -hmm.   Mark Rasmussen (08:29.4) Any vendor that you work with, I think for the most part should allow you to exist in kind of like a month to month environment, right? Because if you're doing your job as a vendor, you don't need to lock anybody else up, right? They're going to stay with you if you're doing your job right. So I'm a firm believer in no contracts. Another thing I'm going to recommend is stop locking yourself into having to buy the hardware or software, right? And most of the vendors will either charge exorbitant amounts for the hardware,   or they'll try and put you into a non -cancellable lease for the hardware or rentals. All that do away with, you know, shameless plug. Of course, we don't do that, but we're not the only ones. There's a few other great vendors out there where they'll give you the hardware or they'll provide it to you at a fair price. Don't overpay for hardware or lock yourselves in a contract. You know, from a tactical standpoint of like payments specifically,   Here's the thing is that I think a modern practice should have. Obviously, you know, in practice, all the latest and greatest. So what is that? That's of course, old school MagSwipe, that's EMB chip card capabilities. That's also Apple Pay, Google Pay, kind of the tap to pay. That's a great convenience for your patients. Wireless devices are a great add on for the practice, right? So they don't have to be stuck at the front desk. You know, you should have devices that can go anywhere in the practice, you know, operatory, consult rooms, et cetera.   Wireless devices are a big lift. Storing patient cards, I think is a great convenience as well. I talked to a lot of practices who really love that because it's interesting. You talk to the front desk, nobody really wants to talk about or like, nobody likes the transactional element of asking for money and having to collect money, right? So if you can take that element out of your experience with a patient at the front desk,   Kiera Dent (10:02.798) So genius.   Mark Rasmussen (10:25.592) and you're like, hey, would you want us to put that on the on the visa we have in file? Great. That's easy. You know, so storing patient cards, I think is a big one. You know, being able to offer, you know, especially when you're when you're building out treatment plans and those dollar amounts to get higher, being able to offer the patients, you know, multiple payment options, obviously credit card, but then even being able to take that credit card payment and break it out, you know, your kids braces. Great. Let's let's set that up so that we can easily just charge out $100 a month or whatever the case may be.   Kiera Dent (10:29.006) Mm -hmm.   Mark Rasmussen (10:55.576) So being able to have multiple payment options to offer the patient is phenomenal. Other things that I, yeah, please, yeah.   Kiera Dent (11:03.054) I just want to plug in that one real quick on the payments because you guys have modernized it because a lot of people like well We did that but I remember my gosh I had so many credit cards that I had to remember to run as the office manager I had to like make sure it was the date then I finally got smart and I was like let's do it on the first and the 15th and not just like every day of the month but there's still offices that are trying to remember to run all these cards and for you guys just to set it up it's like a set it and forget it like of course if it declines so much easier we just go check on that but   Mark Rasmussen (11:21.24) Right. Right.   Kiera Dent (11:31.982) I think to just pin on there, your practice might be doing it, but this is automatically doing it through the software where your team doesn't have to try and remember it, saves so much time from a team member having to do it.   Mark Rasmussen (11:41.944) 100%, 100%. And so many, I talked to a lot of offices that before they connected with us, many of them were like self -admitted and they're like, hey, they're like, I'm not proud to share this, but I'd be like, so how are you guys managing your reoccurring payments? So like, we have card numbers just written down in Notepad and I just make myself a reminder and outlook to go ahead and pull those out. I'm like, okay, you didn't tell me that, okay. But that's kind of the reality. So, you know.   being storing car data in binders. Yeah, it's exactly much safer. But having those card numbers available to you and where they're delivering not written down anywhere. So where they can be compromised is you know what they refer to as PCI compliant best practices. So being able to do that, not have your practice, you know, exposed to the you know, the dangers of having card information, you know,   Kiera Dent (12:12.27) They're binders. Binders, Mark.   Mark Rasmussen (12:39.224) exposed and compromised is huge. And of course, any reputable, you know, vendor that you're dealing with, that's going to lie to store patient cards, they're going to have it where it's tokenized. None of the tokenized card data of course, is ever going to be touching any of the practices servers. So the practices, what they refer to as is out of scope, you know, they're not actually dealing with and holding any card numbers. So that's, that's a huge element as well. what else? you know, I've seen get popular over the last couple of years.   memberships, in -house memberships and in -house discount plans are gaining a lot of traction. And I get it, right? It's great for the patient, it's great for the practice, gets the patient in the chair more, the practice kind of gets some reoccurring revenue going, it's a win -win. And there's a lot of great vendors out there in the space that just focus on that. But again, that's a feature set that we built into Moolah.   that allow you to kind of create and manage your own in -house discount plan. So having that, I think is a big part of today's modern practices. Sending electronic requests, right? Collecting on balances. The old school way of sending paper statements is dead, right? And the evolution of that went like, okay, it was paper statements and then everybody realized that nobody is going through snail mail anymore. And then it went to, okay, cool, let's be able to send electronic email requests.   which was an uptick in lift in response rates. And then, you know, beyond that, you know, text requests kind of like even went even further. I mean, the response rate of just going from email requests to text requests is significant. So, but, you know, giving the practice ability to collect on these balances and send those out electronically, automatic reminders, drip campaigns and all of that.   and allowing the patient to kind of like, you know, make that payment when it's convenient for them, you know, if it's at their home, on their couch, on their phone late at night, doing a quick Apple Pay transaction. That's what it's all about, you know, is making, you know, easy for your patients to interact and handle, you know, their billing issues with you is the ultimate. The other thing I'll touch on is, you know, online payment, right?   Kiera Dent (14:49.294) Yeah.   Mark Rasmussen (14:54.36) So allowing that patient be able to go to your site and click a button, say, hey, make an after hours payment and be able to make that payment after hours. That's another big, you know, we think kind of best practices to do for today's modern practice. And then really the cherry on top of all these things is that these things in itself are great, but really to really elevate this is all this payment tech we talked about is then having an automatically post into the PMS real time is where the magic really happens. And so.   I highly recommend kind of all those touch points as well as having it also integrate directly back in your PMS. That's where the magic really kind of happens, you know?   Kiera Dent (15:31.182) for sure.   And so Mark, I'm curious when you guys do that and goes back into the PMS, does it split because people will like get annoyed when it's like a split payment and my family balance might be $1 ,000, but only 25 come to Kiera and the rest goes to Jason. Does it split or do they need to manually split at the practice level?   Mark Rasmussen (15:52.472) You can do it in two ways. So I'll speak for our system. When you run a payment in Crown, which is our payment platform, you can either have that payment be an unallocated payments, right? And just post to the ledger at the guarantor level. And then you can decide where you want to split that up to, or you can actually, from our system, you can do that transaction, that payment allocated to procedure. And you can pick, when you're doing that allocation, you can pick within the family members,   and at the procedure level of where that payment's going to be allocated to, just as if you were to natively do it in the PMS. So you can do it, you know, like for prepayments, right? Prepayments is something where it's unallocated and then you can assign it afterwards. Or again, you can just assign the payment to the procedure right out of the gate, either way. Yeah.   Kiera Dent (16:27.502) That's awesome.   Mm -hmm.   Kiera Dent (16:41.39) That's awesome. And for patient or for practice, like of course they're going to feel concerned about like, yeah, but Mark, if people are making payments and I don't know and they're doing it at night, how do I make sure I don't miss any of these payments? So kind of what's Moolah's process to make sure they don't miss it.   Mark Rasmussen (16:53.272) Great question. Yeah, great question. So first thing is that we notify the practices in two ways. One is they'll get an email when a payment's made, you know, anytime, whether it's after hours or they're gonna get an email that hits their inbox. And then within our software itself, in the top header, we have this notification bell that anytime there is a transaction that's been made after hours, like a website payment or text to pay, it's gonna let them notify them that it was done. So they're not gonna miss it.   Kiera Dent (17:20.686) So Mark, as you said all these things, I just thought, to me it felt like I was just talking to a normal website that I purchase on all the time, right? Like I think about Amazon. Amazon's so easy. I make payments. I think about the hospital even where my husband works, like when I go see my doctor. They're not sending me paper statements. I don't think I've gotten a paper statement from a medical office in so long. I also just thought I went to therapy the other day and they're like, do you want it on your card on file? And like,   It's crazy because that's how we live in our day -to -day lives of all the things we as consumers are consuming, but yet in our dental practices, we're so far behind, which is why I'm obsessed with you guys as a company. And why I wanted to bring you on the podcast and share you with our community is because the reality is, this is so...   Mark Rasmussen (18:03.544) Thank you.   Kiera Dent (18:05.806) like up and coming, but you're also I love the passion that comes from you. Like I can tell that you're not just somebody who's like, here we are. You're constantly thinking like, all right, what's the next thing and how are we going to make this even easier? And how can we make this so much simpler for the practices? And I think getting on board with companies that are young, that are innovative. I know you said you're only like 30 based on like you starting like in the industry at one years old. I think you're only 30 years old now, right? But you've constantly made it and brought you, but you brought this young energy with you of staying tech and saying savvy and   Mark Rasmussen (18:26.104) Right. Yeah. 50.   Kiera Dent (18:35.918) I mean, the thought of having those processors that can come into the operatories, like same day treatment is so easy. We're not taking the cards and walking them up front and then bringing it back to them. Like it's just normal. I mean, we think about going to restaurants and now there's like little Apple pay sitting at our booth, even if we have a server. We have innovated as a society and making sure practices do that. But Mark, the questions always come and this is why people don't switch processors. One is it's hard to break up with my current processor. So what do they do in that regard?   Mark Rasmussen (18:50.68) Yeah.   Kiera Dent (19:04.846) to break up with a processor in an easy way if they want to switch to Moolah.   Mark Rasmussen (19:10.168) Great question. So the first thing that I, when we're talking to practices, what I always like to say, and cause it's exactly right, making a switch from, you know, your processor, your legacy processor to somebody else seems daunting. It's like, okay, this is going to be a pain. I got people got to learn my stuff. well, we always tell practices, I'm like, don't cancel your current processor. Like Pepsi, Pepsi challenges, right?   Don't disrupt anything, keep your current processor, try out Moolah, bring us into your practice, don't cancel your existing processor, and make sure you guys love it like we say you're gonna love it. I want them to feel comfortable. And that does a couple things. One is after two weeks and they hate us, then great, we can part with friends and we'll have the hardware picked up and they didn't change anything with their current provider. But if they love us like I believe they're gonna love us, well then great, that gave them, that gave the staff the peace of mind of knowing like, hey yeah, I've got this new system.   but I have my old system in place in case I don't remember how to do something. So not trying to time of like, hey, when should I close my old? When do I add in Moolah? Don't put yourself through that stress. Just add Moolah, try us out. And again, there's no contracts with us. So just bring us alongside, Pepsi challenges for a couple of weeks. And then when your staff and everybody's like, yeah, we love Moolah, cool. Then at that point, you can make arrangements with your processor to close that out.   Kiera Dent (20:17.454) Mm -hmm.   Mark Rasmussen (20:36.344) I can't can't to other processors, right? Because many of them have, you know, these long -term contracts and early termination fees. They'll have to course check with their vendor. But the good thing is that once you make that break and once you do come with Mula, Moolah, never have that worry again. There's no contracts with us. At any time, if anybody wants to close out their account, really easy to do business with us, really easy to not do business with us. Let us know. We'll have the hardware picked up at our expense and we'll wish each other well, you know? It's all good.   Kiera Dent (21:05.486) Mm -hmm.   Mark Rasmussen (21:06.2) So at least they can make that break and get out of the contracts and be with a company where they can truly be in a month to month environment.   Kiera Dent (21:14.67) Which is amazing. And I think something that's really awesome is I was thinking about that. If you are in a long -term contract and you can't get out of it, Processing is only charging you on the fees that you do. You might have a monthly fee with the hot hardware that you did purchase, or that might be something you paid upfront. However, you can actually move almost all of your transactions over to Moolah while you wait for that contract to leave. And so just don't think that you have to wait until that contract ends. I do process on two different processors intentionally because I want to like,   Mark Rasmussen (21:35.928) point.   Kiera Dent (21:43.726) leave one and move to another one, but I'm debating because that's going to lead me to my next question about fees. I'm testing two companies currently myself, intentionally, but you can, you can move all your processing over to Moolah if you love them so much, even if you're in contract. So I want that to just be a note for you guys to be afraid of. Yeah.   Mark Rasmussen (21:45.944) Yeah.   Mark Rasmussen (21:58.712) Yes, good point. Yeah, exactly. And you know, in tip to your point there. Even even if you're going to, you know, not cancel the service, maybe that's going to relate to, you know, 20 $30 a month and just maintenance fees. And you're like, well, hey, that still makes sense rather than having to spend three or $400 termination fee. I'm just going to pay the monthly minimum, you know, for whatever it is that six months to take me to that contract term. Yeah, you don't have to wait, you can just kind of pay that minimum.   Kiera Dent (22:20.814) Right.   Mark Rasmussen (22:27.32) and then actually cancel it when you're not going to get hit with a termination fee. Yeah.   Kiera Dent (22:30.51) sure. Yeah, so again, don't feel locked into it because they're going to want you to think you're locked, but it's a very minimal fee, especially if you love it. But something I am curious about, Mark, I feel I will just speak a little bit candidly about the industry. Credit card processors have a little bit of a reputation of being amazing at the beginning, and then they start tacking on all these stupid fees that I don't know, which is why there's companies like Merchant Advocate that come in and check and make sure that our processing fees are not too high. So walk me through processing freeze with Moolah.   because realistically that is always a scary thing when you switch processors. And I think that that's also another reason people don't want to switch. I love you. I love the things you do, but also are you charging me? Like right now I've got somebody who's like, Kiera, switch over to us and we'll be at 2 .9, which I still think is higher. I'd prefer it to be more like 2 .5 % processing fee, but they just sent me an email and I'm very disappointed because they're a very large company and I was so freaking pumped to use them. But they said,   In one year, so I'm like, you guys are smart. You want me to like get all my clients on this new processor. And then in one year, they're literally going to tack on this huge freaking fee on me. And I'm annoyed because it's going to be 10 bucks per transaction, like up to $10 per transaction indefinitely because they're now adding on this like stupid software. I feel annoyed by that. So I'm speaking very candidly. Tell me how your guys's fees work because obviously this is what people are going to be concerned about too. As much as I love you, I also make sure the fees make sense.   Mark Rasmussen (23:30.168) Right.   Mark Rasmussen (23:41.976) Yeah. Yeah. Yep.   Mark Rasmussen (23:50.132) Yep. Yeah, exactly. So we're, we're all about simplicity, right? Like, we love technology, and we love simplicity. So we've been talking about technology, let's talk about simplicity. So you know, anybody out there who's listening to this, and you've seen a merchant account statement, right? Nine and a half, actually, yeah, nine and a half out of 10 times, you look at that merchant statement, that month end statements, it's your eyes will roll back, it's like,   line item after line item after line item of like miscellaneous fees like, okay, this visa fee, this interchange fee, this transaction fee, PCI fees, don't even get me started on PCI fees, but we'll come back to that. PCI fees, monthly minimums, annual fees. I mean, it's crazy. It's like way overcomplicated by design. Not only that, I run in and talk to a lot of practices where like, you know, it's funny.   Kiera Dent (24:19.978) Yeah. Mm -hmm.   Kiera Dent (24:30.062) They're sane.   Mark Rasmussen (24:44.664) They're like, hey, I started engaging with you and then it had me look at my merchant processing again and my merchant processing statement that I just looked at and the pricing we're paying today is very different than it was when we signed up with them two years ago. So over these two years, they've been bumping up the rates unbeknownst to them. So, you know, with that being said, Moolah takes a very, you know, simple approach. With Moolah, you get, you know, our platform, you get our technology, right?   Kiera Dent (24:57.166) Mm -hmm.   Right.   Mark Rasmussen (25:11.192) There's no monthly SaaS fees or annual fees. There's no fees for the software, number one. The hardware, we're gonna provide the practice to brand new wireless smart terminals. They don't have to buy, rent, or lease those devices, they're included. Not only do we provide them the devices, but we also warranty them indefinitely, which is huge, because normally you're buying these devices, and normally it's like a 12 -month manufacturer's warranty. And then Murphy's Law kicks in half the time, and then it's like month 14, the device fails.   And then you're like, oops, sorry, you got to buy a new device. Whereas with Moolah, first of all, as mentioned, we give them the hardware, but we're warranting them indefinitely, even beyond hardware failure, even accidental damage we will cover. So a practice that comes on board with us, three years later, they call us like, hey, we accidentally dropped the device off the counter and broke, cracked the screen. We'll cover that. Just give us a call. We'll provision replacement. We'll overnight it. So practices that do, you know, processing with Moolah.   totally are future -proofing themselves of ever having hardware expense again. Okay? So no fees on the software, no fees on the hardware. So then it comes down to we make our revenue on the merchant processing. And we've done that. And I think is a really fair, simple and straightforward approach. It breaks down to this. There's literally two fees that a Moolah practice will have when they do business with us. One rate, which is 2 .49 % flat rate for anything that's done in practice.   Kiera Dent (26:17.582) Mm -hmm.   Mark Rasmussen (26:35.416) And it doesn't matter whether it's an Amex or a Visa or a Mashcard Discover, the card type doesn't matter. If it's done in person, it's 2 .49%. There's not a transaction fee on top of that. Normally, you'll see like 10 or 20 cents per transaction. None of that, just 2 .49. And then that same logic carries over for any of the card not present transactions. So that would be 2 .99 % for anything that's done, you know, text to pay, the website payment.   Kiera Dent (26:47.95) Mm -hmm.   Mark Rasmussen (27:01.304) So it's literally only those two pricing elements. 2 .49 on transactions are done in practice, 2 .99 where the card is not present, nothing else. And so, you know, when I say nothing else, literally nothing else. So we're eliminating all the kind of miscellaneous fees that we were talking about earlier. The statement fees, the interchange fees, PCI fees. This is a crowd favorite. So not only do we remove the PCI fees, right? And I'm sorry to the rest of my industry.   Kiera Dent (27:19.278) Mm -hmm.   Mark Rasmussen (27:30.552) peers, but this is the truth. PCI is a complete racket. It's become a financial racket to processors of looking to extract more revenue. So we look at PCI where there not only is there never a fee with Moolah on a PCI fee, but we take care of all the tasks. No longer does the practice have to do that once a year self -assessment questionnaire. No longer do they need to deal with quarterly scans. It's   Kiera Dent (27:35.694) Yeah.   Kiera Dent (27:51.05) Thank you.   Mark Rasmussen (27:58.04) All the PCI elements are managed on the practices behalf. So they never have a PCI fee or a task to do as long as they're with Moolah, which people love. So, and again, as I already mentioned, there's no annual fees, there's no contracts. This is 249 .299. And to really hit that home, as we were talking about previously of like, hey, somebody just trying out Moolah, right? So if you're trying us out, let's say you sign up with Moolah, we send you the hardware.   Kiera Dent (28:07.854) Mm -hmm.   Mark Rasmussen (28:26.264) but you didn't get around to actually switching over and then the month goes by. Well, guess what? You would have zero expense from Moolah. If you didn't process any payments from us, nothing's gonna kick in. There's no minimums, there's no statement fees, none of that. So if you didn't process a credit card payment, you would have zero expense from us. So, you know, expense is truly driven from when you process credit card transactions and that's it. So really simple, right? And really straightforward and, you know,   Kiera Dent (28:50.638) Mm -hmm.   Mark Rasmussen (28:53.304) people can get around and knowing what this costs because again, we wear our pricing on our sleeve. There's no surprises. We don't play that game of like teaser rates and then a couple of months kind of sneak in a little message and hope nobody notices and increase the rate. Those rates are gonna be as they are. There's no intention of increasing them.   Kiera Dent (29:06.446) Yep.   Kiera Dent (29:12.142) Yeah, and it's interesting as you're saying that, Mark, I pulled up one of my processing fees. So I'm just curious, because this is what I'm seeing. So tell me, what things are actually nonsense versus what are real? Line item, it says two, visa never approved domestic. What does that even mean?   Mark Rasmussen (29:28.728) So that's referring to an interchange element. So here's the first thing we'll say. Interchange, which is basically the wholesale cost from, you know, not to bore everybody, your audience, but you've got two sides of the equation in credit cards. You have the card issuers, which are patients banks, you know, from their Citibank Visa or their Capital One Visa. And then you have the acquiring banks, which represent the merchants. So interchange is what the card issuers charge the acquiring banks when their customers present their card to their merchants. That's interchange.   Kiera Dent (29:36.078) Mm -hmm.   Mark Rasmussen (29:58.776) And so interchange consists of hundreds and hundreds of different card types with different price points. And so whether it was a Visa, vanilla, you know, plain Visa card, was it a debit card, was it a rewards card, was it a corporate card? So all these variations of interchange expense and there's all these nuances of different fees related to that. Now, listen, these elements happen, doesn't matter who your processor is, all these elements are happening with Moolah in the backend, but we just absorb it all. And so,   Kiera Dent (30:10.286) Great.   Mark Rasmussen (30:28.408) Even though we're very simple in our rates to the practice, make no qualms about it. We're not any different. There's a lot of elements behind the scenes of different expenses that are happening non -domestically. You were talking about rewards, downgrades, all these things are happening behind the scenes. But to our practices, they don't care about that. And they don't need to worry about that. They know that if they do it in their practice, it's 249. And if they do it as a Cardinal President, it's 299.   Don't worry about anything else. We're managing all that behind the scenes.   Kiera Dent (30:58.798) That's awesome. Yeah, because as I'm looking at this statement, I'm like, interesting. I didn't know I had a monthly service fee that has been added on a fixed acquire network fee, another AXP system processing fee that's quite substantial. And I'm like, none of those things were on there prior when I originally signed up. And so I was like, hey. Hey. And so it's interesting.   Mark Rasmussen (31:14.872) You're like, that wasn't on this, that wasn't on my sign up form. I don't remember seeing that. All right, well, we need to talk after the podcast and get you guys over to Moolah, right?   Kiera Dent (31:22.574) I know. Okay, I know. So anyway, that's what I wanted to point out to you guys is like me even looking at this right now, like as listening to the podcast with Mark, like double, I mean, you probably saw my eyes shift over because I was like, what the heck? I got all these fees sitting over here. But what's crazy is I've kind of hovered around this like 2 .9 % for all the time. But I just knew that they were tacking on fees and I had to do this like, my gosh, Mark, we really want to bore people. I had to do all these like   compliance things and they had me do this whole thing to get my rates down and I'm still not but I'm in this higher compliance area. All this nonsense. But anyway, beyond that, I think everybody should use moolah. So I think for modernized payments, I think for the 2 .49, that's insane. Like people are all talking about what are ways that we can save costs on our overhead. Well, get your processing fee down to 2 .49 in practice, you're going to be substantially lower. And then the other ones are 2 .9, which is still lower than what most are at most around three.   Mark Rasmussen (31:54.424) Right. Yeah.   Mark Rasmussen (32:00.216) Thanks.   Kiera Dent (32:17.326) I would usually see about 2 .5 to 3 .3 is typically what I'm seeing for fees, not to mention all the additional add -ons and also having to pay for your process. So if an office, let's say they've got two of these, but they want more, they're a really large practice, do they pay extra for an additional terminal? I would assume yes, because you guys complimentary too, do they pay for extra terminals?   Mark Rasmussen (32:23.64) Yep. Yep.   Mark Rasmussen (32:38.424) They do. So we provide them two, if they want additional devices, it's $30 a month for those additional devices. If they're a larger practice, you know, you sweet talk us a little bit. Well, we have been known to include an extra device or two if it's a larger practice. So, yeah, exactly. Talk to the team. But the short of it is that if the practice is joined more than $60 ,000 a month,   Kiera Dent (32:45.517) Wow, awesome, very easy.   Kiera Dent (32:55.214) So, you know, do a little good sales pitch to Mark over here.   Mark Rasmussen (33:08.44) and they need additional devices, we're usually pretty flexible about providing those additional devices.   Kiera Dent (33:14.51) Do you guys ever do reduced pricing at all if a practice is doing large amounts per month? Or is it just like, this is what it is? I was curious, because I know there's a lot that do hire amounts.   Mark Rasmussen (33:20.248) We do, we do. We do. So matter of fact, so we have the 249 .299 is our wrap rate for dentists. Any practices that come through one of our partnerships, those come in at a reduced rate. And then we have even a lower tier if the practice is multi -practice as multi -locations. So definitely inquire with us.   about those, you know, reduce rates if you're with any of our partners. And yeah, a lot of them. You know, the other thing I was going to mention, just because this is kind of exciting and new for us, and it's crazy how much this has been, practices have been asking about this over the last 12 months. The question that a lot of practices come to us and ask, and they say, is there any way that I can offload my credit card processing fee to the patient?   Kiera Dent (33:50.702) for sure.   Kiera Dent (34:11.982) Yeah. Yeah, I'm curious on this.   Mark Rasmussen (34:15.096) A year ago, we would get that request one out of 10 times. Today, we get that request like seven or eight out of 10 times. So like the cats out of the bag, like people want that. So I'm happy to announce that we just went into beta on being able to offer compliant surcharging. And so you'll be able to practice what they'd like to, they'll be able to offload the credit card processing fee, both in practice and any of the card not present activity, the text to pay, the website payment.   Kiera Dent (34:22.35) Mm -hmm. Agreed.   Mark Rasmussen (34:44.792) you'll be able to offload the credit card processing fee onto the patient. That only does on the credit cards. You're not allowed to do that on the debit cards, right? Debit cards, there's no additional fee to the patient, but if they're paying with a credit card, you'll be able to offload the credit card processing fee to them. And the nice thing with that Moolah is that not only are we giving them the capability to do that, but we're also handling that surcharge amount correctly in the PMS when we're posting into it from an accounting perspective and keeping that clean. Yeah.   Kiera Dent (34:54.03) Mm -hmm.   Kiera Dent (35:10.538)  amazing because agreed I think that's a big piece. I mean when I look at my credit card processing fees a year I'm like we're in the upwards higher like it's almost like another employee when you look at that annual amount that you're paying credit card processing fees and so I just think it's a really awesome way I really love you guys mark. That's why you guys are a sponsor of ours this year That's why you guys are a partner of ours And so definitely everybody let them know that you came from the Dental A Team podcast mark How do people connect with you because I think people should modernize their payments?   Mark Rasmussen (35:19.832) Yeah. Yeah, no doubt.   Kiera Dent (35:39.47) I just feel like would you continue purchasing from Amazon if you had to send them a paper check? The answer's hard pass, no. Would you continue working with Amazon if you couldn't shop at night on them? The answer is no. Would you continue working? And I understand that Amazon does not feel like a dental office, but I'm like, I wouldn't continue seeing my therapist or all these different people. It's so archaic when you go to other even medical professionals that don't take Apple Pay. I'm like, what, you don't take Apple Pay?   Like, what are you doing? Like, everybody takes Apple Pay. Everybody does the tap pay. Why am I still having to insert my card or write you a check or give you my card? Like, it just feels so archaic. And I love, Marc, you guys truly have modernized it and it's not hard. And I love that it's very simple and that people can try you out, see if they like you, but offices that are using you that I know love you. So how can offices get Moolah in their practice? Yeah.   Mark Rasmussen (36:05.976) Yeah. Yeah.   Mark Rasmussen (36:27.32)  Cool. I would recommend if any practice that's interested in learning more about us is, and maybe Kiera in this podcast and description or something, put a link for, because we have preferred pricing for Dental A Team clients. And so I would just take a look at that link that's probably associated with this podcast. And on that page, you guys can go ahead and schedule a time. It's convenient for you to do a demo. And so I think a demo is the, is the,   Kiera Dent (36:40.43) course.   Mark Rasmussen (36:57.176) best natural step for any of your listeners that want to know more about Moolah. And again, schedule that demo and we'll run them through and show them all of the features, all the benefits, and then assist them with getting signed up at that preferred rate that they'll get through Dental A Team.   Kiera Dent (37:15.182) Amazing Mark. And I just like, you know, I love to like sweeten it a smidgey for you guys. So let's just do a hypothetical, a practice is processing a million a year. Okay. And they are just paying that extra half a percentage mark, right? That would be pretty simple. Right? So, you know, if you guys are just paying that extra half a percentage, I'm doing this on a million. That's a $50 ,000. It's insanity to me of how much you guys are saving. Did I do my math right?   Mark Rasmussen (37:24.632) Yeah.   Mark Rasmussen (37:29.592) Yeah? Yeah?   Mark Rasmussen (37:40.216) Right? Yeah.   Kiera Dent (37:44.654) Or is it less than that? A million and we're doing, I lied to you guys. $5 ,000, $5 ,000 just on a half percentage, five grand, which might not seem like enough for you guys to go after. Five grand just by switching processors that you would be saving every year, just on a million dollar practice that you process. That's like, and you probably listen, yes, just the rate.   Mark Rasmussen (37:49.048) We said a half a percent.   Right. Right.   Mark Rasmussen (38:04.344) And you're just talking the rate. And you're just talking about the rate. What about all the other miscellaneous fees that they're probably paying as well? So it's going to be more than five grand. And I feel very strongly that they would be improving their experience on a daily basis with the technology. So not only are you saving on the rate, but you're just improving your day -to -day experience with payments. It's kind of a win -win.   Kiera Dent (38:13.39) Yes, but right alone!   Kiera Dent (38:22.062) I love you, Clint.   Kiera Dent (38:29.55) And as a team member, I have way less I've got to do. I don't have to remember. I've got a drip campaign. I can have them pay on that. I'm not sending statements anymore. So those costs in and of themselves. So I'm just saying, like, for a million dollar practice, it's a guarantee, probably $5 ,000 savings for you just on the rate, let alone everything else. So I think it's worthwhile to schedule that demo. So Mark, thanks for being on the podcast today.   Mark Rasmussen (38:51.224) It was awesome. Thank you so much for allowing us to be there We're so glad to be a sponsor and be with you guys. You guys are rock stars. So appreciate you   Kiera Dent (38:58.03)  Amazing. Well, for all of you listening, guys, don't be like, take the effort, go look into this. It will save you so much money and your team will be happier. Definitely reach out and for all of you listening, thanks for listening and I'll catch you next time on the Dental A Team podcast.  

The Miami Dolphins have experienced a lot of changes since last year. But where, after all of the shuffling of talent, are they better than last season? Where are they worse? A look at each position room on the roster and where Miami has taken steps forward this offseason.Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

The Miami Dolphins caused a bit of a stir with a new photo from OTAs that featured Nik Needham among the safeties. Would Needham, a career nickel defender, be enough at safety to alleviate the need at safety? If not, what other options still remain? Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

Decisions, decisions...the talk around the Dolphins is often centered around the things this roster still needs — but what about what this roster already has? The Miami Dolphins, like every other team, must cut to 53 players at the start of the 2024 NFL season. Good luck figuring out the bubble players on this year's team! Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

The Miami Dolphins are reportedly still in the market for a free agent offensive lineman in the aftermath of the 2024 NFL Draft. There are a number of experienced players still left on the market, including Minnesota's Dalton Risner & Las Vegas' Greg Van Roten. Is either one the right fit for the Dolphins' interior offensive line in 2024? Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

The Miami Dolphins are a team that is presumed to be adding a starting offensive guard in free agency in the weeks ahead. Much of the discourse around the position overlooks a young member of the Dolphins' offensive line — utility OL Liam Eichenberg. After playing at both tackle spots as a rookie in 2021, Eichenberg transitioned inside in 2022 and then played nearly all of his starts at center for Miami in 2023. What is the ceiling for a player the Miami Dolphins haven't done many favors for early in his career? Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

Odell Beckham Jr. — YOU, sir, are a Miami Dolphin! The Dolphins have reportedly agreed to terms with veteran wide receiver Odell Beckham Jr. to end the week after the 2024 NFL Draft. How does Beckham Jr. fit the wide receiver ranks? What is the cost for Miami? We look at all of that on today's episode of Locked On Dolphins.Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

The Miami Dolphins have moved on to free agency with the news of the Odell Beckham Jr. signing and after today, so will we. One final look at the 2024 NFL Draft class: expectations for signings, who has the inside track to make the 53-man roster entering the summer and what strategies the Dolphins applied early and late. Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

The Miami Dolphins finished their 2024 NFL Draft with Cal safety Patrick McMorris and USC wide receiver Tahj Washington. Both were transfer portal talents from smaller schools before making their respective leaps to the NFL as late round picks — what do they do well and how can they use those talents to make the Miami Dolphins roster in 2024? Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

The Miami Dolphins left the 2023 season seeking more depth and impact from their wide receiver room. Everyone knows the impact of Jaylen Waddle and Tyreek Hill — but the rest of the room left room for growth and more impact in key spots. Could rookie wide receiver Malik Washington be the answer? The 6th-round draft choice from Virginia has a few promising traits...a deep dive on one of the newest Miami Dolphins.Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

What is better than one new EDGE defender for the Miami Dolphins? Two! The Dolphins secured a double dip at pass rusher in the 5th-round of the 2024 NFL Draft, securing Colorado State's Mohamed Kamara with the No. 158 overall selection. What does Kamara, who is one of the most accomplished pass rushers in Colorado State program history, bring to Miami? How high is the ceiling and the floor? A deep dive on one of the newest Miami Dolphins.Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

Miami went out and got their guy to start Day 3 of the 2024 NFL Draft, trading a future 3rd-round draft choice to Philadelphia in order to select RB Jaylen Wright of the Tennessee Volunteers. Who is Wright, what is his game and how does he fit the Dolphins scheme? A deep dive on one of the newest Miami Dolphins. Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)