Podcasts about Interchange

The Lions are back to back premiers and they'll continue to be a major threat in the comp next year. Trades are getting well under way & we break down all the grand final day injuries in Jeremy Cameron and Brandon Starcevich. Hosted on Acast. See acast.com/privacy for more information.

In this episode of Bean There Done That, host Phil Di Bella sits down with Larry Prosser, Executive Director of Beyond Payments, to unpack the Reserve Bank of Australia's proposed ban on card surcharges. They break down what this policy really means for consumers, merchants, and banks—and why the supposed “savings” for customers might actually backfire. Larry explains how surcharges evolved, why compliance matters, and the hidden costs bundled into merchant fees. Phil pushes the conversation into real-world territory: shrinking café margins, the politics behind RBA decisions, and the practical steps small businesses must take now. It's an eye-opening look into the payments industry, packed with insights every business owner and everyday consumer needs to hear. Key Topics and Themes The history of surcharging and RBA policy shifts Why banning surcharges may increase prices instead of lowering them The impact of shrinking café and hospitality profit margins How banks and POS providers bundle hidden fees into merchant services The ethical approach Beyond Payments takes with transparency and compliance The bigger picture: industry bodies, political motives, and small business survival About Our Guest Larry Prosser is the Executive Director of Beyond Payments, Australia's first fully compliant “fee-less” EFTPOS provider. Since 2013, Beyond Payments has helped thousands of merchants recover 100% of their merchant service fees through transparent and compliant surcharge mechanisms. Larry is a passionate advocate for small business, pushing for fairness, compliance, and practical solutions in the payments space. More at: beyondpayments.com.au Key Takeaways The RBA's proposed ban on surcharges may sound good for consumers but will likely push prices up across cafés and restaurants. Merchant fees are not “free”—bundled POS solutions often hide costs in other ways. Debit card fees remain one of the most unfair charges facing consumers today. Transparency, compliance, and constant vigilance are essential for small businesses when choosing merchant service providers. Small business survival depends on understanding merchant fees and demanding fairness from banks and fintechs. Links and Resources Beyond Payments – beyondpayments.com.au The Coffee Commune – coffeecommune.com.au Time-Stamped Highlights: 00:31 – Introduction to guest Larry Prosser and Beyond Payments 02:19 – The rise of surcharges since 2013 and consumer adoption 06:15 – How shrinking profit margins make merchant fees critical 09:20 – The RBA's proposed surcharge ban explained in plain terms 12:10 – Why the ban will likely push prices higher, not lower 14:28 – Interchange fees, card schemes, and hidden costs 20:05 – The double-dipping problem with debit card fees 26:00 – What business owners should do right now to protect themselves 31:00 – Horror stories: POS providers forcing payment gateways 33:45 – What the ideal system for merchants, banks, and consumers should look like 36:40 – The risk of more café closures and the pressure on small business Tune in now to understand the truth behind card surcharges, the RBA's proposed changes, and what it all means for your local café or business. Bean There Done That is available on all major podcast platforms. Produced by The Podcast Boss #Coffee #Hospitality #SmallBusiness #Payments #Australia #Fintech #Podcast

WDAY First News anchors Lisa Budeau and Lisa Budeau break down your regional news and weather for Thursday, September 25.  InForum Minute is produced by Forum Communications and brought to you by reporters from The Forum of Fargo-Moorhead and WDAY TV. Visit https://www.inforum.com/subscribe to subscribe.

Answering all your questions surrounding the grand final & drafting season.Paps and Schoey also break down the controversy from the weekends WAFL grand final. Hosted on Acast. See acast.com/privacy for more information.

Paps and Schoey chat in depth with Tom & Drew about this years grand final match up between Geelong and Brisbane & Matt Rowell takes home the Brownlow Medal. Hosted on Acast. See acast.com/privacy for more information.

The prelims are locked in.This week we chat all the trade news & injury updates, as well as the renewed rivalry of WA vs VIC with the AFL Origin announcement. Hosted on Acast. See acast.com/privacy for more information.

Geelong are fit to win the flag & changes Freo need to consider moving into the 2026 season. Lots of questions to get through this week, we love answering them so keep sending them through. Hosted on Acast. See acast.com/privacy for more information.

The finals are well under way. We get right around the country to talk all the upsets and injuries, and get into Fremantle's loss against The Suns. Hosted on Acast. See acast.com/privacy for more information.

Answering all your questions surrounding finals fixtures, trade rumours and more on this week's episode! Hosted on Acast. See acast.com/privacy for more information.

Paps is back! We're talking all things finals, trades and injury updates. Hosted on Acast. See acast.com/privacy for more information.

Who's moving where, the All-Australian squad & what the Eagles need to work on in the off season. Answering all your questions on this week's episode! Hosted on Acast. See acast.com/privacy for more information.

Darren Linton got off the number 469 bus at the Brewers Arms on Bell Lane and waved goodbye to his grandmother Shirley, who was still on board. They had arranged to meet up to go shopping that weekend, something they enjoyed doing together, especially if they came across a record store. Earlier that day, they had visited Darren's mother, Beryl, who was in the hospital. On her journey home, Shirley had to get a connecting bus at the Interchange station in Bury, Greater Manchester. Sometime later, when that second bus pulled in at the station, there was no sign of Shirley… *** LISTENER CAUTION IS ADVISED *** This episode was researched and written by Eileen Macfarlane.Edited by Joel Porter at Dot Dot Dot Productions.Script editing, additional writing, illustrations and production direction by Rosanna FittonNarration, additional audio editing and mixing, and script editing by Benjamin Fitton.To get early ad-free access, including Season 1, sign up for They Walk Among PLUS, available from Patreon or Apple Podcasts.More information and episode references can be found on our website https://theywalkamonguspodcast.comMUSIC: Longing For You by Moments As I Dream by Moments Beyond The Bridge by Caleb Etheridge Blade Edge by Cody Martin Cain by Cody Martin Dragonsilk by Cody Martin Frontier by Cody Martin Harbinger by Cody Martin Loaves & Fish by Cody Martin Rhosphere by Cody Martin Sabotage by Cody Martin Snowdrift by Cody Martin Rising Sun by Colossus Count Backwards From 10 by Glasseyes Enigma by Hill Greaser by JB Good Fallen Sky by Moments Onward by Chelsea McGough Sleep by Stephen Keech Allied by Wicked Cinema Leatherface by Wicked Cinema No Escape by Wicked Cinema SOCIAL MEDIA: https://linktr.ee/TheyWalkAmongUsSupport this show http://supporter.acast.com/theywalkamongus. Hosted on Acast. See acast.com/privacy for more information.

Schoey is joined by Eliza Reilly as they discuss the All-Australian squad announcement and Freo's crucial win over the Bulldogs.A brand new podcast from BackChat Studios, hosted by Adam Papalia. Fly around the country with Paps as he finds out what's happening in AFL land.Heyscape Cabins give you access to unique landscapes across Perth, the South West and Great Southern Region without having to experience a single night of ‘roughing it'. w: heyscape.com.auThe Footy Interchange is produced by BackChat Studios.Thanks to our guests, Tom Rockliff, Callum Sinclair, Drew Jones, Simeon Thomas-Wilson, Eliza Reilly, Steve Gravina & Dom Cassisi. Hosted on Acast. See acast.com/privacy for more information.

Answering all your questions on this week's episode of the the Footy Exchange. Keep sending them through! Hosted on Acast. See acast.com/privacy for more information.

Nasiah Wanganeen-Milera becomes the first two million dollar player & historical statistics say Freo miss finals. No Paps this week, Eliza Reilly joins Schoey in studio. Hosted on Acast. See acast.com/privacy for more information.

Schoey ranks his top 5 Freo players of all time, the AFLW is about to kick off & there is no doubt that Jeremy Cameron will kick 100 goals. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Culture Eats Everything podcast, Tom and Nicole discussed recent flooding situations in Wisconsin and compared them to experiences in other states, while sharing their backgrounds in senior care and leadership roles. They explored the importance of authentic leadership and vulnerability, particularly during crises, with Nicole sharing examples from her experience as CEO of Cedar Community and her broadcasting background. The conversation concluded with discussions about leadership challenges, transparency, and future plans for collaboration at the Leading Age conference.Click here to buy our book:

Nat Fyfe announces he will retire at the end of the current AFL season. Snoop Dogg is the grand final performer, and Fremantle pull off another comeback to find themselves 4th on the ladder.A brand new podcast from BackChat Studios, hosted by Adam Papalia. Fly around the country with Paps as he finds out what's happening in AFL land.Heyscape Cabins give you access to unique landscapes across Perth, the South West and Great Southern Region without having to experience a single night of ‘roughing it'. w: heyscape.com.auThe Footy Interchange is produced by BackChat Studios.Thanks to our guests, Tom Rockliff, Callum Sinclair, Drew Jones, Simeon Thomas-Wilson, Eliza Reilly, Steve Gravina & Dom Cassisi. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Culture Eats Everything podcast, Tom and Matt shared their experiences and perspectives on teaching and education leadership, discussing their personal journeys and the challenges of small-town life. They explored topics including the importance of kindness and directness in teaching, the evolution of Matt's teaching approach, and the role of leadership in creating positive school cultures. The conversation concluded with discussions about organizational culture, collaboration, and the evolving nature of educational leadership, including plans for future video projects and sharing educational practices.Click here to buy our book:

Would the AFL be able to stop spectators running onto the field? If you have an questions for us, send them through and we'll answer them on next week's episode! Hosted on Acast. See acast.com/privacy for more information.

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It's the end of the road for Simon Goodwin at Melbourne. The boys unpack what the Demons next moves may be & a Port Adelaide great Travis Boak, announces his retirement. Hosted on Acast. See acast.com/privacy for more information.

Paps and Schoey answer your questions and debate if "booing" is a uniquely West Australian trend. If you have any questions send them through! Hosted on Acast. See acast.com/privacy for more information.

Dalam kehidupan urban yang serba cepat, mobilitas yang efisien menjadi kebutuhan utama, terutama bagi para pengguna transportasi umum seperti kereta api. Tapi pernahkah kamu merasa repot harus berpindah aplikasi atau metode pembayaran saat transit antar moda atau antar operator? Di sinilah teknologi Cross-Platform Interchange berperan penting menghadirkan kemudahan dalam perjalanan yang seamless dari satu titik ke titik lainnya, tanpa hambatan digital. Yuk, simak episode terbaru kami yang akan mengupas tuntas bagaimana inovasi ini sedang merevolusi cara kita naik kereta dan berpindah moda transportasi dengan lebih praktis!Episode kali ini berjudul "Makin Seamless Dengan Cross-Platform Interchange", di mana kita akan membahas bagaimana integrasi antar sistem dan platform memungkinkan kamu transit antar kereta atau moda transportasi lainnya tanpa perlu ganti aplikasi, top up ulang, atau antri tiket. Bersama pakar transportasi dan teknologi urban, kami mengulas bagaimana interoperabilitas sistem tiket, pembayaran digital, dan informasi jadwal membuat pengalaman naik kereta jauh lebih mudah, efisien, dan menyenangkan. Cocok banget buat kamu yang sering berpindah jalur KRL, MRT, LRT, hingga kereta jarak jauh.Jangan lewatkan informasi penting yang bisa mengubah cara kamu bepergian setiap hari! Dengarkan episode ini di platform podcast favoritmu, dan rasakan bagaimana Cross-Platform Interchange membuka era baru dalam kemudahan transportasi publik.

On this week's episode Nasiah Wanganeen-Milera continues to excel for St Kilda & we discuss if there should be stricter limitations set for post-match suspensions/fines? All that and more! Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Culture Eats Everything podcast, Host Tom Willis sits down with former superintendent Dan Cox, who opens up about the hidden pressures school leaders face.

Lots to cover on this weeks episode! Let us know any questions you want answered. Hosted on Acast. See acast.com/privacy for more information.

Could Freo lose the derby if they don't play their cards right? & what kind of contract will Harley Reid sign and with which club? We cover all that and more on this week's episode! Hosted on Acast. See acast.com/privacy for more information.

Retail NZ is criticising the Commerce Commission's regulatory change to card payment fees. The Commission today announced new regulations on interchange fees, reducing charges to businesses for taking Visa and Mastercard payments. Retail NZ Chief Executive Carolyn Young says it's a complex issue - and these changes won't address everything. "This is one part of the merchant service fee, there's about 5 or 6 fees depending on how you structure your payment portfolio that may cut the merchant service fee. The Commerce Commission has said they won't get that fee down to one percent maximum." LISTEN ABOVESee omnystudio.com/listener for privacy information.

In this episode, IPA's Ben Jackson speaks with Brian Tate, CEO of the Innovative Payments Association, about what's happening in payments regulation in Washington and beyond. They discuss:  The stablecoin bills moving through Congress,  The executive order on phasing out checks for government payments,  Illinois's delay of its Interchange law effective date.  This episode was recorded on June 18, 2025. Please note that developments may have occurred since then.  Additional Resources:  IPA Summer of Learning Webinar Series  IPA Compliance Boot Camp – September in Chicago  Stay tuned for future episodes and don't forget to subscribe! 

In this powerful episode of Culture Eats Everything , Tom sits down with Kathy Martin, CEO of Glenmeadow in Massachusetts. Kathy shares how lessons from field hockey shaped her leadership journey, the difference between reacting and responding, and how leaders must move beyond their “default success strategy.” She also reveals how Glenmeadow is redefining aging—not as a decline, but as a vibrant phase full of growth and potential. A must-listen for aspiring leaders and anyone rethinking what it means to grow older with purpose.

Town Manager Terry Rozema sits down with Public Works Director Fausto Burruel to discuss the backups on Interstate-10 at Tangerine Interchange, the plans for improvements, and the Town's relationships with Arizona Department of Transportation and Union Pacific Railroad.Resources:Contact Arizona Department of Transportation.Contact the Union Pacific Railroad.View the Town of Marana Capital Improvement Projects Dashboard.

In this episode of the Culture Eats Everything podcast, Tom sit down with Monica Schroeder, Deputy Superintendent of Northshore School District 112. Monica shares her inspiring journey, how she advocated for herself as a Latina female leader, and the power of intentional succession planning.If you're a school board member, aspiring superintendent, or anyone passionate about leadership, culture, and education, this conversation is packed with lessons on advocacy, resilience, and driving positive change.

ATLP Rewind - Originally Released April 1, 2023Welcome to another dimmension, where Joe Mammay is the host of Around The Layout and is interviewing Ray Arnott. Come along as we hear about Ray's start in model railroading, from a TYCO set to an attempt at N scale. Ray tells us how the prototype led him back to the hobby, and how joining a club introduced him to his mentor who helped open his eyes to the concept of operations.Thank you to Joe Mammay who did an outstanding job hosting this April Fools edition of Around The Layout. We hope you enjoy!Learn more about this episode on our website:aroundthelayout.com/rewindThank you to our episode sponsor, Oak Hill Model Railroad Track Supply:https://ohrtracksupply.com/Thank you to our episode sponsor, Tully Models:https://tullymodels.com

They called the film Avengers: Infinity War the most ambitious crossover event in history. We can't quite make the same claim, but at Wood Mackenzie's 2025 Solar and Energy Storage Summit, we did record a crossover episode. Sylvia Leyva Martinez, Wood Mackenz's principal analyst for solar power and host of Interchange Recharged, is joined by Ed Crooks, host of Energy Gang, to discuss the future of energy, and of the electricity grid in particular.They are joined by Rob Chapman, Senior Vice President of Energy Delivery and Customer Solutions at the non-profit research group EPRI, the Electric Power Research Institute, which aims to help power society toward a reliable, affordable, and resilient energy future. Rob talks about a key theme in his work: the importance of flexibility on the electricity grid. Increased reliance on solar and wind power has created challenges in keeping the grid balanced and the lights on. Surging demand for electricity for new data centres to train and run AI models is giving rise to a whole new set of issues. More flexible demand and supply on the grid is increasingly valuable. But where can it come from?Data centres don't usually offer a lot of flexibility in their operations. People want to use ChatGPT and watch Netflix even at night and when the wind is low. So what can the hyperscalers do to create flexibility? Are virtual power plants an effective option? And how can the energy industry improve collaboration to find solutions that promote the clean energy transition while keeping prices down?You can find Energy Gang wherever you get your podcasts, and follow Interchange Recharged with Sylvia Leyva Martinez for deep dives into the innovations that are accelerating the energy transition.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

There are a handful of people in the clean energy and infrastructure world whose knowledge and voices serve as guiding lights. Shayle Kann is one of those people. Known for his deep expertise, unique perspective, and distinct voice, Shayle has covered and shaped the energy transition for years.While regular listeners will know, we typically feature startup founders. But Shayle's long-standing influence—from GTM and The Interchange to EIP and Catalyst—made it a true pleasure to turn the mic around.This episode, recorded in front of a live, sold-out audience at SF Climate Week, marked Shayle's first time as our guest, though he's no stranger to the show. For the first few years of Watt It Takes, starting in 2017, when every episode was recorded in front of a live audience, Shayle would kick off each conversation by setting the industry context and introducing our guest.In this episode, we trace Shayle's journey, starting with his roots in Madison, Wisconsin, and share how his entrepreneurial spirit and compelling storytelling abilities have been instrumental in his rise as a leader.On a personal note, I've known Shayle for nearly a decade. He has been a colleague and a friend, and I'm excited for him to tell his story.SponsorsThis live recording, and this next season of Watt It Takes, is brought to you by our lead sponsor, HSBC Innovation Banking who is proud to bank some of the most exciting companies pioneering the technologies of tomorrow.With specialist financing support, deep understanding of the challenges, and a global network across more than 50 markets, they help clients scale breakthrough innovations, and take them to the world.So, if you're looking for early-stage funding, or well on your way to FOAK, click the link in the show notes to learn how HSBC Innovation Banking can help on the next stage of your journey.About Powerhouse Innovation and Powerhouse Ventures Powerhouse Innovation is a leading consulting firm connecting top-tier corporations and investors, including corporate innovation teams, CVCs, and pensions with cutting-edge technologies and startups that meet their specific criteria for engagement. Powerhouse Ventures backs entrepreneurs building the digital infrastructure for rapid decarbonization. To hear more stories of founders building our climate positive future, hit the “subscribe” button and leave us a review.

They called the film Avengers: Infinity War the most ambitious crossover event in history. We can't quite make the same claim, but at Wood Mackenzie's 2025 Solar and Energy Storage Summit, we did record a crossover episode. Ed Crooks, host of Energy Gang, is joined by Sylvia Leyva Martinez, Wood Mackenz's principal analyst for solar power and host of Interchange Recharged, to discuss the future of energy, and of the electricity grid in particular.They are joined by Rob Chapman, Senior Vice President of Energy Delivery and Customer Solutions at the non-profit research group EPRI, the Electric Power Research Institute, which aims to help power society toward a reliable, affordable, and resilient energy future. Rob talks about a key theme in his work: the importance of flexibility on the electricity grid. Increased reliance on solar and wind power has created challenges in keeping the grid balanced and the lights on. Surging demand for electricity for new data centres to train and run AI models is giving rise to a whole new set of issues. More flexible demand and supply on the grid is increasingly valuable. But where can it come from?Data centres don't usually offer a lot of flexibility in their operations. People want to use ChatGPT and watch Netflix even at night and when the wind is low. So what can the hyperscalers do to create flexibility? Are virtual power plants an effective option? And how can the energy industry improve collaboration to find solutions that promote the clean energy transition while keeping prices down?You can find Energy Gang wherever you get your podcasts, and follow Interchange Recharged with Sylvia Leyva Martinez for deep dives into the innovations that are accelerating the energy transition.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In Part 1 of this two-part series on succession planning, Michael Lubelfeld, Superintendent of Northshore School District 112, joins the Culture Eats Everything podcast. He reflects on his leadership journey, the intentional planning behind his upcoming retirement, and how he and Deputy Superintendent Monica Schroeder are working together to ensure a seamless leadership transition. A candid conversation filled with lessons on legacy, communication, and the power of thoughtful planning.Click here to buy our book:

April 4, 2025 - "The leaves, like women, interchange (987)" by Emily Dickinson, read by Tabitha Biracree by The Desmond-Fish Public Library & The Highlands Current, hosted by Ryan Biracree

In this episode of Culture Eats Everything Podcast, Jim Van Allan, President of The Energy Bus for Schools, shares powerful insights on leadership, engagement, and fostering positive cultures. With a PhD in educational leadership, he discusses the crossover between building successful schools and thriving organizations. Tune in to discover actionable strategies to energize your culture, whether in education or business!Click here to buy our book:

Glen recaps an action-packed Government Affairs Conference, featuring our annual interview with America's Credit Unions' Economics Team on the coming year's outlook. An “existential threat” to the industry's income tax exemption headlined a packed agenda, but the CFPB, NCUA and interchange legislation were also on the menu- not to mention tariff whiplash and market uncertainty.       Links related to this episode:   America's Credit Unions' Monthly Economic Updates: https://www.americascreditunions.org/data-tools/economic-data-bank-comparisons/economic-update-video-archive   The Don't Tax My Credit Union Advocacy/Resource page: https://www.donttaxmycreditunion.org/ CrossState CUA's explanation of why credit unions offer better rates: https://www.crossstate.org/about/communications/blog/why-do-credit-unions-have-better-rates/ Glen's blog covering the GAC's key takeaways:   Join us for our next CU Town Hall- Wednesday March 12 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. This session will focus on a discussion of key takeaways from the Governmental Affairs Conference.  The Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/  Signing up for the Town Hall also earns you a card for our Bingo game tracking 2025 industry predictions.  Find out more here: https://www.big-fintech.com/Media?p=did-you-have-that-one-on-your-bingo-card   Join us on Bluesky!  @bigfintech.bsky.social  @154advisors.bsky.social (Glen) @jbfintech.bsky.social (John) And connect on LinkedIn: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

We're going to talk swipe fees with the NRA's Brennan Duckett to update you on the status of the industry's national effort to push back on the Visa and Mastercard payments duopoly that is bleeding restaurant owners dry. And then we'll take a look at a national boycott of Target, Amazon and Walmart over their DEI practices and discuss whether they are an effective tool and should restaurant brands be nervous? We'll talk about those issues and wrap it up with the legislative scorecard.

Join us for an insightful conversation with Jamie LaLonde, CEO of Angela Hospice, on leadership growth, workplace culture, and transitioning from executive director to CEO. Learn how Jamie empowers her team, fosters a strong culture, and navigates the challenges of leadership. Don't miss this episode of Culture Eats Everything!

Chris Wilson, Springville City Engineer discusses the progress on the Dry Creek Parkway and I-15 Interchange (previously known as 1600 S.) with Project Engineer, Tyrel Edwards from UDOT. 

Several provisions in the state's latest budget proposal could leave the Indiana Historical Society without a building. A $3 million project is underway to improve Tarkington Park, just west of the State Fairgrounds. Pharmaceutical giant Eli Lilly announced Wednesday that it plans to invest roughly $27 billion in United States manufacturing. ClearPath465, a project that began in 2022, aims to make the I-465 and I-69 interchange safer and alleviate congestion for drivers on the north east side. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Drew Daudelin, Zach Bundy and Abriana Herron, with support from News Director Sarah Neal-Estes.

Brian Baum is the president & CEO of Interchange Capital Partners a family business advisory firm in Pittsburgh, PA. Brian is himself the second-generation in a business his father founded and where they work closely together. That means he's seen and addressed firsthand the uniqueness of guiding family business owners and operators on their path to the future. We talked business, we talked family, we talked sports, and we talked about thoughtful disagreement and healthy conflict within family business. (We did ALL that without conflict ourselves.) I trust you will enjoy Brian's wisdom and drive. If this is a good listen while all on a drive, all the better. Wherever and whenever you listen, please enjoy episode #63 of GENeration EXcellence with Brian Baum. Interchange Capital Partners website https://www.interchangecp.com/

Glen speaks with NACUSO's Interim CEO- and serial CUSO founder- Miriam Ackerman about plans for the group's Reimagine conference this April in Las Vegas, including a juiced up Next Big Idea competition. Also- a quick summary of the busiest credit union news week in recent memory.    Links related to this episode:   NACUSO's Reimagine Conference, April 14-17 in Las Vegas: https://www.reimaginenacuso.com/ The Next Big Idea competition: https://www.reimaginenacuso.com/next-big-idea-competition Bernie Sanders' press release about the new Senate Bill capping credit card interest rates at 10 percent: https://www.sanders.senate.gov/press-releases/news-sanders-hawley-introduce-bill-capping-credit-card-interest-rates-at-10/ CU Today's reporting on the latest twist in Illinois interchange legislation: https://www.cutoday.info/THE-boost/Federal-Judge-Expands-Injunction-Against-Illinois-Interchange-Law-To-Out-Of-State-Banks-Denies-Credit-Unions-Request CU Times' reporting on USAID-related layoffs at the World Council of Credit Unions: https://www.cutimes.com/2025/02/07/woccu-let-go-over-half-of-its-employees-due-to-usaid-freeze/ Former FDIC Chair Sheila Bair's Washington Post op-ed calling for the elimination of credit unions' tax exemption: https://www.washingtonpost.com/opinions/2025/02/03/credit-unions-tax-subsidies-bair/ Glen's blog on 2025's credit union Bingo card:   Join us for our next CU Town Hall- Wednesday February 12 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. Industry developments keep coming fast and furious- the CU Town Hall is the place to make sense of these items together. It's free to attend, but advance registration is required:  https://www.cutownhall.com/  Find us on BlueSky at @bigfintech, @jbfintech and @154Advisors You can also follow us on LinkedIn: https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

What can improv teach us about leadership? In this episode of the Culture Eats Everything podcast, host Tom interviews Joel Zeff, author of Make the Right Choice, to explore how improv can elevate leadership, boost team engagement, and create a culture of fun.

In this episode, James Shepherd sits down with payments expert Kyle Morgan to break down the complexities of interchange and uncover the latest pricing tactics used to increase margins. From hidden fees to interchange padding and optimization, this discussion sheds light on how processing costs are structured and what ISOs and agents need to know. Whether you're new to interchange or looking for advanced insights, this episode is packed with valuable information. Plus, Patti Murphy provides an update on Visa Direct's push for instant payments.

Thanks to Pranav for suggesting this week's massive topic! Further reading: When did the Isthmus of Panama form between North and South America? Florida fossil porcupine solves a prickly dilemma 10-million years in the making Evidence for butchery of giant armadillo-like mammals in Argentina 21,000 years ago Glyptodonts were big armored mammals: The porcupine, our big pointy friend: Show transcript: Welcome to Strange Animals Podcast. I'm your host, Kate Shaw. This week, at long last, we're going to learn about the great American interchange, also called the great American biotic interchange. Pranav suggested this topic ages ago, and I've been wanting to cover it ever since but never have gotten around to it until now. While this episode finishes off 2024 for us, it's the start of a new series I have planned for 2025, where every so often we'll learn about the animals of a particular place, either a modern country or a particular time in history for a whole continent. These days, North and South America are linked by a narrow landmass generally referred to as Central America. At its narrowest point, Central America is only about 51 miles wide, or 82 km. That's where the Panama Canal was built so that ships could get from the Atlantic Ocean to the Pacific and vice versa without having to go all around South America. It wasn't all that long ago, geologically speaking, that North and South America were completely separated, and they had been separated for millions of years. South America was part of the supercontinent Gondwana, while North America was part of the supercontinent Laurasia. We've talked about continental drift before, which basically means that the land we know and love on the earth today moves very, very slowly over the years. The earth's crust, whether it's underwater or above water, is separated into what are called continental plates, or tectonic plates. You can think of them as gigantic pieces of a broken slab of rock, all of the pieces resting on a big pile of really dense jelly. The jelly in this case is molten rock that's moving because of its own heat and the rotation of the earth and lots of other forces. Sometimes two pieces of the slab meet and crunch together, which forms mountains as the land is forced upward, while sometimes two pieces tear apart, which forms deep rift lakes and eventually oceans. All this movement happens incredibly slowly from a human's point of view--like, your fingernails grow faster than most continental plates move. But even if a plate only moves 5 millimeters a year, after a million years it's traveled 5 kilometers. Anyway, the supercontinent Gondwana was made up of plates that are now South America, Africa, Australia, Antarctica, and a few others. You can see how the east coast of South America fits up against the west coast of Africa like two puzzle pieces. Gondwana actually formed around 800 million years ago, then became part of the even bigger supercontinent Pangaea, and when Pangaea broke apart around 200 million years ago, Gondwana and Laurasia were completely separate. North America was part of Laurasia. But Gondwana continued to break apart. Africa and Australia traveled far away from South America as molten lava filled the rift areas and helped push the plates apart, forming the South Atlantic Ocean. Antarctica settled onto the south pole and India traveled past Africa until it crashed into Eurasia. By about 30 million years ago, South America was a gigantic island. It's easy to think that all this happened just like taking puzzle pieces apart, but it was an incredibly long, complicated process that we don't fully understand. To explain just how complicated it is, let's talk for a moment about marsupials. Marsupials are mammals that are born very early and finish developing outside of the mother's womb, usually in a special pouch. Kangaroos, wallabies, koalas, wombats, and Tasmanian devils are all marsupials, and all from Australia.