Podcasts about Mastercard

Some marketing ideas capture attention for a moment. The very best ones become part of culture. And you could say...that's priceless.Recorded live at the Cannes Lions International Festival of Creativity, Jim sits down with Jill Kramer, Chief Marketing and Communications Officer at Mastercard, to discuss what it's like to lead one of the world's most iconic brands. Mastercard, known globally for its “Priceless” platform and its role at the center of everyday commerce, has spent decades building trust, emotional connection, and cultural relevance across markets. After nearly a decade as Chief Marketing and Communications Officer at Accenture, where she led the company's "Let There Be Change" brand transformation, and earlier leadership roles at BBDO and DDB, Jill stepped into one of marketing's most influential positions with the responsibility of guiding Mastercard's next chapter.In this wide-ranging conversation, Jill shares her approach to earning trust as a new leader, building creative cultures where ideas can thrive, and why her philosophy of "early, ugly, often" has helped teams create better work. She also discusses how Mastercard is evolving its brand beyond payments, leaning into experiences, partnerships, and technology, and how the company is approaching AI, creator collaborations, and innovation while staying true to the timeless principles that have made it one of the most respected brands in the world.Whether you're leading a global organization or a small team, Jill offers thoughtful lessons on curiosity, creativity, change, and why the best leaders never stop learning.—This week's episode is brought to you by Infillion.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of the Cannabis Accounting Podcast, host Raymond Guns sits down with Don Raleigh III, Revenue Operations Manager at Evolve Payment and award-winning payments and AR compliance leader, to pull back the curtain on what's actually happening with cannabis payment compliance right now — and why most operators are more exposed than they realize.Don talks about:

Enjoy an hour of Easy Listening Instrumental Christian Music. Each Saturday I will provide another hour of the Sweetest Sound in Town. We are a listener supported pod cast. If you have been blessed by our music I hope you will help with a tax deductible gift. You can donate on line with the Pay Pal tab on the bottom of this page. I will also be happy to send you an envelope for you to return a gift in or accept your Visa or MasterCard when you call our toll free number 1 888 382 0881. You can also send us your gift by mailing it to Shofar Broadcasting P.O. Box 1909 Charleston, W.V. 25327

Enjoy an hour of Easy Listening Christian Music. Each Saturday I will provide another hour of the Sweetest Sound in Town. We are a listener supported pod cast. If you have been blessed by our music I hope you will help with a tax deductible gift. You can donate on line with the Pay Pal tab on the bottom of this page. I will also be happy to send you an envelope for you to return a gift in or accept your Visa or MasterCard when you call our toll free number 1 888 382 0881. You can also send us your gift by mailing it to Shofar Broadcasting P.O. Box 1909 Charleston, W.V. 25327

De Verenigde Staten staan op het punt een nieuwe handelsoorlog met Brazilië te beginnen. Er worden verschillende redenen genoemd, maar de opvallendste betreft het Braziliaanse betalingssysteem Pix. Pix is een ongekend succes. Het verwerkt inmiddels de helft van alle betalingen in het land en wordt gebruikt door 170 miljoen mensen, bijna 80% van de bevolking. Consumenten betalen niets voor de dienst, ondernemers slechts een bescheiden vergoeding. Een betaalpas of creditcard is niet eens meer nodig. Pix kost gemiddeld 0,22% per transactie. Een Braziliaan is daarmee zelfs goedkoper uit dan de westerse bankenklant. Geen wonder dat andere landen belangstelling tonen. En daar begint het probleem. Voor Visa en Mastercard vormt Pix een directe bedreiging. Hun verdienmodel is gebaseerd op een netwerk dat vrijwel alle kaartbetalingen faciliteert. Stel dat landen massaal overstappen op een goedkoop publiek alternatief, dan verdwijnt hun belangrijkste inkomstenbron. En die bron is enorm. De cijfers spreken boekdelen. In vier jaar tijd steeg de nettowinst van Visa naar $20 mrd (+63%) en van Mastercard naar $15 mrd (+72%). U snapt nu meteen waarom Washington dit Braziliaanse betaalsysteem als strategische bedreiging ziet. De Amerikaanse aanval op Pix is zelfs de inzet geworden van de verkiezingsstrijd tussen de huidige president van Brazilië Lula da Silva en zijn uitdager Flávio Bolsonaro. Mocht die naam u bekend voorkomen: het is inderdaad de zoon van oud-president Jair Bolsonaro, die een gevangenisstraf van 27 jaar uitzit. Bolsonaro junior kiest nadrukkelijk de kant van Washington en zet vraagtekens bij de internationale uitbreiding van Pix. Dat valt in Brazilië niet in goede aarde. De weerstand tegen Visa en Mastercard beperkt zich bovendien niet tot Brazilië. Ook in de VS zelf groeit de kritiek op de marktmacht van deze bedrijven en staat hun duopolie onder druk. Wie naar de podcasts van The Wall Street Journal luistert, hoort regelmatig advertenties van de Electronic Payments Coalition (EPC). Dat zijn de creditcardmaatschappijen die kiezers oproepen om hun vertegenwoordiger tegen de Credit Card Competition Act te laten stemmen. Deze wet wil de concurrentie op de Amerikaanse creditcardmarkt vergroten. Een van de argumenten die de EPC aanvoert is dat de grote retailers daardoor nog meer winst zouden maken. Daarop zeg ik: leg de retailwinstmarges even naast die van de creditcardmaatschappijen. Als je naar de rente van de creditcardmaatschappijen kijkt, dan zou je denken dat daar hun winst zit. Maar de grootste winstbron is de tolheffing die ze ontvangen voor alle betalingen die door het systeem lopen. Ook als u met uw betaalpas of creditcard van ING, Rabo of ABN Amro betaalt, gaat dat via de netwerken van deze maatschappijen. En elke keer ontvangt Visa of Mastercard een beetje tol voor toegang tot hun systeem. De VS noemen zichzelf graag the land of the free. Op de betaalmarkt geldt eerder het omgekeerde. Pix is gratis en juist dat kan weleens heel duur uitpakken voor Visa en Mastercard. Over Corné van Zeijl Corné van Zeijl is analist en strateeg bij Cardano en belegt ook privé. Reageer via c.zeijl@cardano.com. Deze column kun je ook iedere donderdag lezen in het FD.See omnystudio.com/listener for privacy information.

Welcome to Mastering Cyber with Host Alissa (Dr Jay) Abdullah, PhD, SVP & Deputy CSO at Mastercard, and former White House technology executive. Listen to this weekly one-minute podcast to help you maneuver cybersecurity industry tips, terms, and topics. Buckle up, your 60 seconds of cyber starts now! Sponsored by Mastercard: https://mastercard.us/en-us.html

Why humans won't shop alone anymore. Raja Rajamannar, Senior Fellow at Mastercard, joins CoinDesk's Sam Ewen for a conversation that is equal parts blockchain brand masterclass and roadmap for what marketing looks like when agents start making the decisions. Raja makes the case that agentic commerce doesn't simplify the marketer's job, it doubles it because now you have to win over the human and their agent, and the criteria for each are completely different. - Timecodes: 0:00 – Rethinking sales: humans vs. AI agents 2:17 – Crypto's branding problem 5:47 – Preserving value and remittances as use cases 7:53 – Cash to credit cards: an early parallel to crypto 14:31 – Money, emotion, and the Mastercard brand journey 17:48 – Experiential marketing over traditional ads 19:00 – Mastercard-flavored macarons and sensory branding 20:17 – The rise of agentic commerce 24:38 – Marketing to both humans and their AI agents 29:20 – Building empathy into AI transactions - This episode is brought to you by RealFi, a smarter stablecoin, backed by real-world assets. Find out more at⁠⁠ realfi.co⁠⁠. - Ledn provides a secure and transparent way to access liquidity while maintaining your bitcoin holdings. Perfect 8 year track record of keeping clients assets safe. Don't sell your bitcoin. Get a bitcoin-backed loan. Check out your rate by using their loan calculator at⁠⁠ ⁠⁠⁠⁠ledn.io⁠⁠ - JPEG Trading is a global proprietary trading firm specializing in cryptocurrency and decentralized finance markets. From market structure and liquidity provision to quantitative trading strategies, JPEG Trading operates across the full spectrum of blockchain-based assets. Follow @jpegtrading on X to stay ahead of the latest developments in digital asset markets:⁠⁠ https://x.com/jpegtrading⁠⁠ - "Spotlight" features host Sam Ewen.

Every day we create data, but almost none of us know who really owns it.In this episode of Couchonomics with Arjun, André Vellozo, Founder and CEO of DrumWave, joins the show to explore one of the biggest questions facing the digital economy: what if people could own their data the same way they own money?André explains why privacy is only the beginning of the conversation, why AI is accelerating the need for data ownership, and why he believes the world needs entirely new infrastructure that allows people, businesses, and governments to exchange data securely while creating value for everyone involved.

Ministre, femme politique, chroniqueuse, auteure, femme de culture et de convictions, Roselyne Bachelot a occupé des fonctions parmi les plus exposées de notre pays, sans jamais renoncer à sa liberté de ton, à son humour, ni à sa capacité à bousculer les cadres établis.Mais derrière la femme publique se trouve aussi une histoire faite d'héritages familiaux, de transmission qui ont forgé des convictions et des combats résolument féministes.La transmission, qui était la thématique de cette 5ème édition des Legend Ladies Nights, c'est aussi transformer une histoire personnelle en parole publique, et une parole publique en possibilité de changement.Dans son dernier livre "Une omerta française", secrets d'enfance, Roselyne Bachelot choisit de mettre des mots sur ce qui a longtemps été tu. Elle interroge les mécanismes du silence, la manière dont les familles et les institutions protègent parfois davantage leur équilibre apparent que les enfants eux-mêmes, mais aussi notre responsabilité collective à regarder, écouter et agir.Car transmettre, c'est aussi avoir le courage de rompre certaines chaînes.C'est refuser que les blessures, les violences ou les silences passent d'une génération à l'autre.Une conversation sur l'enfance, l'engagement, le courage, la liberté et la trace que nous choisissons de laisser.Cette cinquième édition des Legend Ladies Nights a été rendue possible grâce au soutien précieux de nos partenaires : Medtronic, Mastercard, Release Capital et Mediawan.

Enjoy an hour of Easy Listening Christian Music. Each Saturday I will provide another hour of the Sweetest Sound in Town. We are a listener supported pod cast. If you have been blessed by our music I hope you will help with a tax deductible gift. You can donate on line with the Pay Pal tab on the bottom of this page. I will also be happy to send you an envelope for you to return a gift in or accept your Visa or MasterCard when you call our toll free number 1 888 382 0881. You can also send us your gift by mailing it to Shofar Broadcasting P.O. Box 1909 Charleston, W.V. 25327

Enjoy an hour of Easy Listening Instrumental Christian Music. Each Saturday I will provide another hour of the Sweetest Sound in Town. We are a listener supported pod cast. If you have been blessed by our music I hope you will help with a tax deductible gift. You can donate on line with the Pay Pal tab on the bottom of this page. I will also be happy to send you an envelope for you to return a gift in or accept your Visa or MasterCard when you call our toll free number 1 888 382 0881. You can also send us your gift by mailing it to Shofar Broadcasting P.O. Box 1909 Charleston, W.V. 25327

La transmission est un sujet profondément humain, presque existentiel.Elle nous confronte à cette question vertigineuse : qu'est-ce qui demeure de nous lorsque le temps avance, lorsque les rôles changent et lorsque les générations se succèdent ?Dans cet épisode issu de la 5ème édition des Legend Ladies Nights, je vous emmène au cœur de la 5ème édition de la Legend Ladies Night, consacrée à un thème qui traverse nos vies, nos lignées, nos choix et nos silences : la transmission.Transmettre, ce n'est pas seulement laisser quelque chose derrière soi. C'est choisir ce que l'on prolonge, ce que l'on transforme, et parfois ce que l'on décide courageusement d'interrompre.Dans cet épisode, je partage une réflexion intime et collective sur l'héritage, la mémoire, la liberté et la responsabilité que nous avons toutes de devenir, à notre manière, des passeuses. Passeuses d'histoires, de valeurs, de forces, mais aussi de questions.Car tout ne mérite pas d'être répété. Certaines transmissions nous élèvent, d'autres nous limitent. Et peut-être que l'ambition la plus profonde consiste à faire le tri avec lucidité : honorer ce qui nous a construites, sans rester prisonnières de ce qui nous a précédées.Merci à nos partenaires : Medtronics, Mastercard, Realease Capital et Mediawan

Welcome to Mastering Cyber with Host Alissa (Dr Jay) Abdullah, PhD, SVP & Deputy CSO at Mastercard, and former White House technology executive. Listen to this weekly one-minute podcast to help you maneuver cybersecurity industry tips, terms, and topics. Buckle up, your 60 seconds of cyber starts now! Sponsored by Mastercard: https://mastercard.us/en-us.html

I'm Blake, and Tracey is taking a well-earned break this week, but I'm joined by a very special guest co-host, Jonno Newman from TRM Labs.If you haven't come across TRM before, they're one of the world's leading blockchain intelligence firms, working with governments, law enforcement agencies and some of the biggest crypto businesses on the planet to investigate hacks, trace stolen funds and follow the money on-chain. Jonno, great to have you with us.And you've picked a fascinating week to jump in.

This show has been flagged as Clean by the host. This series is dedicated to exploring little-known—and occasionally useful—trinkets lurking in the dusty corners of UNIX-like operating systems. In UNIX Curio #8 ( HPR episode 4657 ), I talked about using standard utilities to compare files. Left unmentioned, however, was a method commonly used today—the hash function. As I've stated in previous entries, while I am an engineer, I don't have a background in computer science, so my understanding of the mathematics is limited. But I can give a practical description of what a hash function does. It takes an input, performs a set of calculations on it, and produces an output. As hash functions are practically used, the input is a set of bytes, such as a file or another piece of data like a password. The output is a numerical value in a fixed range—most often, expressed as hexadecimal characters. Because this "hash value" can always be represented in a certain number of bytes, its length as printed is usually a constant number of characters, padded with leading zeros if necessary. This episode will not cover the use of hashes in programming, focusing instead on using them to validate data. A hash function, or more specifically, a cryptographic hash function, has an additional property. It should be very difficult to predict what changes to the input would be required to produce a specific change in the output. An older, related concept is called a "checksum". While these are designed to vary when the input data is damaged or digits are transposed, they do not necessarily have that last property mentioned for cryptographic hashes. You have probably already encountered a checksum, even if you didn't recognize it. On a 16-digit number assigned to a Mastercard or Visa 1 credit or debit card, the first six digits identify the card issuer (such as a bank), the next nine digits are assigned to you by the issuer, and the last digit is a check digit. The check digit is calculated using the values of the previous 15 digits, and it is a simple way to avoid typos in entering a card number. In another example, every Ethernet frame that your devices send or receive includes a checksum 2 to help ensure that the contents weren't scrambled in transit. This is 32 bits long and is called a cyclical redundancy check, commonly referred to as a CRC. A CRC is also used in many other places—for example, the .zip file format includes one for each archive member, and this allows a program extracting files from the archive to identify if any were damaged. Our UNIX Curio for today is another example, the cksum utility 3 . It generates a 32-bit CRC based on the Ethernet algorithm. It operates on either a named file or standard input and outputs the CRC value, the length of the input, and the pathname if a file was given as an argument. Unlike most modern hashing programs, the checksum is printed as a decimal integer and is not padded, so it can be anywhere from one to ten digits long. The length value is the number of bytes in the input (actually specified as the number of octets , as systems could potentially use a byte that isn't eight bits long), also expressed as a decimal integer. There are two major ways that one could use cksum to check the validity of a file. First, if you are transferring a file from one UNIX-like system to another, you could run cksum against it on both systems and check that the CRC and length are the same. The utility can also be given multiple filenames as arguments, which would generate a list that can then be compared. The second way would be for someone publishing a file or set of files to also publish the CRC values, lengths, and names so that people downloading them could verify that they match. However, I don't think the practice of publishing lists like this really started until more recent hash functions like MD5 and SHA-1 came about so it is unlikely that anyone would publish CRC values instead. The advantage of these tools should be pretty obvious in comparison to cmp , one of the utilities discussed in UNIX Curio #8. To verify a file using cmp , you need two files to compare—if you're trying to check a large file you downloaded, you would need to spend the time and bandwidth to download a second copy. And if they didn't match, you would have no idea which of the two, if either, was correct. By contrast, cksum is quicker to run, doesn't require downloading a massive amount of excess data, and if run against the original file, makes clear what the correct value is. This utility is a follow-on from a program called sum , which operated very much the same. I had a bit of trouble tracking down the exact development history, but what seems clear is that two different variants 4 were popular: a BSD version and a System V version. Both output 16-bit checksums, but used different algorithms so they didn't give the same results. Also, the BSD version printed the length of the input data as the number of 1,024-byte blocks, while the System V version instead gave a count of 512-byte blocks. (Some sources claim that System V sum generates a 32-bit checksum 5 , which could possibly be true internal to the algorithm, but I have tested several independent implementations of the utility and all of them output a 16-bit value for both the System V and BSD algorithms.) From what I can tell, the BSD version 6,7 came first; it was in 3BSD but probably appeared even earlier. An identical copy of BSD's sum was included with UNIX/32V 8,9 , which was AT&T's 1979 port of Seventh Edition UNIX to the VAX and became one of the ancestors of System III. The divergence seems to have started with System III, released in 1980; its version of the sum utility 10,11 changed to a new default algorithm, though it could be made to use the BSD algorithm via the -r option. System V looks to have kept the same behavior as System III. It's not clear to me why this algorithm is universally called the "System V algorithm" rather than the "System III algorithm"; perhaps it is because System V saw much more widespread use. Instead of trying to reconcile these differences, the POSIX committee decided to create a new utility with a unique name, use a separate algorithm entirely, and avoid the block-length dispute by printing the length in octets instead of blocks. I should point out that POSIX states that the CRC algorithm for cksum does not strictly meet the mathematical definition of a "checksum". I don't know enough to say exactly why it doesn't qualify or to say whether either of the sum algorithms do. However, in less-formal usage the term "checksum" has gathered the meaning of any value used to represent or validate a set of data, so I am fine with using it no matter the technical details of the algorithm. When two different inputs produce the same checksum or hash value, this is called a "collision". Because the output value has a limited range, there are an infinite number of possible inputs that could produce a collision. From a practical standpoint the possibilities are more limited—the majority of these inputs are larger than the number of atoms in the universe, which can't fit on any machine. Unlike a cryptographic hash algorithm, the CRC is not specifically designed to resist an attacker crafting a malicious input that would cause a collision. However, it should be sufficient to detect accidental damage. Programs implementing more modern cryptographic hash algorithms are superior to the checksum utilities in avoiding collisions (whether malicious or accidental), but there are still three advantages that the older programs have. First, a system running a historical operating system might not have the hash programs available, but is more likely to have cksum or sum already included. Second, the checksum values are much shorter than the hashes output by the newer programs, making them easier for a user to compare by looking at them. This advantage is not as great as it might appear at first, because a common way to check a hash these days is to save a list of hashes and filenames—the hash programs can use that and do the comparison themselves, sparing the user from having to validate it character by character. The third advantage is that cksum prints the input length in bytes. This greatly limits the number of inputs that could be maliciously crafted to create a collision. I did a moderate amount of research on implementations of modern cryptographic hash algorithms and found that some, such as MD5, SHA-1, and SHA-2, do use the length of the input (often termed "message length" in the literature) as part of the material fed in to the algorithm, but none of the hashing utilities present this length to the user as part of its output. There are two possible reasons for this that seem evident to me. First, if one is hashing a password, you would certainly not want to give a clear indication of its length—that would give any attacker a massive head start on guessing the password. However, that doesn't explain why one would avoid printing the input length for a file that is made publicly available. Second, it is convenient in many contexts, such as database entries or in software (such as git ), for the hash to be a fixed length. Including an extra value that can be of variable length would complicate those use cases. However, the length value could simply be dropped and they would be no worse off than they are currently. Historically on UNIX, password hashing was treated differently from checksumming files— the crypt() function 12 was used for passwords while sum and later cksum were used to confirm a file's integrity. So even rather early on, these two use cases employed algorithms with different properties, but I haven't dived into the history deeply enough to know how intentional this was. My discussion in this episode focuses on the file use case, so understand that I'm largely avoiding the topic of password hashing. Digital signatures are yet another use case, one that I'm ignoring entirely. Every few years, some security researcher declares a particular hash algorithm to be "broken" and that everyone should move over to a new one, which generally has a longer hash. While the larger hash space certainly reduces the opportunity for collisions, this disrupts workflows, such as publishing information about software releases by e-mail, which still tends to observe a 78-character limit on each line 13 , making it harder to include a list of hashes with filenames next to them. This is in addition to the work of modifying software and scripts to use the new algorithm and managing how to treat past data. It seems to me that publishing the input length along with the hash would make it far more difficult to craft a malicious input that matches both, but I haven't found discussion of that during my investigation. (See the Appendix for a possible implementation.) Perhaps someone listening can record a response episode for HPR explaining that. References: Payment card number https://en.wikipedia.org/wiki/Payment_card_number Ethernet frame: Frame check sequence https://en.wikipedia.org/wiki/Ethernet_frame#Frame_check_sequence Cksum specification https://pubs.opengroup.org/onlinepubs/009695399/utilities/cksum.html GNU coreutils manual: sum https://www.gnu.org/software/coreutils/manual/html_node/sum-invocation.html FreeBSD 15.0 sum manual page https://man.freebsd.org/cgi/man.cgi?query=sum&sektion=1&manpath=FreeBSD+15.0-RELEASE+and+Ports 3BSD sum manual page https://www.tuhs.org/cgi-bin/utree.pl?file=3BSD/usr/man/man1/sum.1 3BSD sum source https://www.tuhs.org/cgi-bin/utree.pl?file=3BSD/usr/src/cmd/sum.c UNIX/32V sum manual page https://www.tuhs.org/cgi-bin/utree.pl?file=32V/usr/man/man1/sum.1 UNIX/32V sum source https://www.tuhs.org/cgi-bin/utree.pl?file=32V/usr/src/cmd/sum.c System III sum manual page https://www.tuhs.org/cgi-bin/utree.pl?file=SysIII/usr/src/man/man1/sum.1 System III sum source https://www.tuhs.org/cgi-bin/utree.pl?file=SysIII/usr/src/cmd/sum.c Crypt specification https://pubs.opengroup.org/onlinepubs/009695399/functions/crypt.html RFC 2822: Internet Message Format: Line Length Limits https://datatracker.ietf.org/doc/html/rfc2822#section-2.1.1 OpenSSH 10.1 released https://lwn.net/ml/all/dd12623ae86aa5eb@cvs.openbsd.org/ Appendix The MD5 hash algorithm was (and still is) widely used, but many people characterize it as being "broken" and discourage its use. Let us imagine a variant of this, called MD5.L, where the normal MD5 hash is followed by a "." character and the input length expressed as a hexadecimal number. Take, for example, the e-mail message announcing the release of OpenSSH 10.1 14 . At the bottom, it includes an SHA-1 hash and an SHA-2 256-bit hash for the available gzipped tar files. That longer hash is encoded with Base64 because if it were given as a hexadecimal number, it would make the line longer than 78 bytes. The MD5.L hash of the file would be one character shorter than the SHA-1 hash, as shown below. (The extra length of the name makes them both consume the same number of characters. The hashes shown are for the "portable" version of OpenSSH.) Some people claim SHA-1 is also broken, seeking to have people use newer and longer hash functions. For an attacker to compromise MD5.L in this example, they would not only have to create a valid tar file compressed with gzip containing a malicious payload having the right MD5 hash, that file would have to be exactly 1,972,831 bytes long (the decimal equivalent of 1e1a5f). While there are still many possible inputs that could be tried (256 1972831 , to be exact*), this is far fewer than the infinite possibilities for plain MD5, SHA-1, or SHA-2. If for some reason it is super important to have a fixed hash length, let's imagine another variation called MD5+L. In this one, instead of L being the input length, it is the input length modulo one terabyte (2 40 bytes), which can be represented by 10 hexadecimal characters, left-padded with zeros. While this approach substantially increases the number of possible inputs an attacker could try, it is likely that an intended victim would notice that the file they downloaded is larger (or smaller) than expected by that much. The MD5+L hash is longer than a SHA-1 hash, but still shorter than a 256-bit SHA-2 hash. SHA1 (openssh-10.1p1.tar.gz) = 7fd17b99d1beffb47cd380d64079e920bb0bd91f SHA256 (openssh-10.1p1.tar.gz) = ufx6K4JXlGem8vQ+SoHI4d/aYU3bT5slWq/XAgu/B1g= MD5.L (openssh-10.1p1.tar.gz) = 80dd9bb00a86519934710d05903fdf07.1e1a5f MD5+L (openssh-10.1p1.tar.gz) = 80dd9bb00a86519934710d05903fdf07+00001e1a5f Of course, if MD5 is considered to be too weak even with the inclusion of the length, one could produce a ".L" or "+L" version of any hash function. However, longer hashes will end up running into the 78-character limit. *This is a number with 4.75 million digits that the bc utility on my laptop took almost 5 minutes to calculate. Provide feedback on this episode.

Een consortium van meer dan 140 bedrijven, waaronder Visa, Mastercard, Google, BlackRock en Coinbase, kondigde eind juni de stablecoin Open USD aan. De munt moet later dit jaar live gaan en de concurrentie aangaan met gevestigde stablecoins als USDC van Circle en USDT van Tether. Wat Open USD anders maakt, is het verdienmodel. Gebruikers kunnen de munt gratis aanmaken en inwisselen, en vrijwel alle inkomsten uit de onderliggende reserves gaan naar de deelnemende bedrijven die volume aanbrengen. Circle en Tether houden dat geld nu juist grotendeels zelf. Daarom wordt Open USD gezien als een aanval op het verdienmodel van Circle, dat een groot deel van zijn omzet haalt uit de reserves achter USDC. De aankondiging kwam hard aan: het aandeel Circle zakte ongeveer 16 procent. Toch zit er een barst in het verhaal. Verschillende bedrijven op de deelnemerslijst, waaronder Samsung en de Zuid-Koreaanse beursuitbater Dunamu, lieten weten dat ze helemaal geen formele afspraken hadden gemaakt en hun naam pas via het nieuws op de lijst zagen verschijnen. Dat voedt de vergelijking met Libra, het gestrande stablecoinproject van Facebook, en de vraag of Open USD de macht van Circle wel kan breken. Bitcoin staat weer op zo'n 63.000 dollar, nadat de koers vorige week een bodem van 58.000 dollar raakte. In diezelfde periode verkocht Strategy 3.588 bitcoin voor ongeveer 216 miljoen dollar, om dividend op zijn schuldpapier te betalen, zonder dat de koers daar serieus op reageerde. De vraag is: hebben we daarmee ook de bodem bereikt? De eerste signalen zijn er. Tot slot een primeur uit de wereld van tokenisatie. Securitize ging deze week naar de New York Stock Exchange en zette tegelijk zijn eigen aandelen onchain op Solana en Avalanche. Daarmee werd het bedrijf het eerste dat bij de beursgang zijn eigen aandelen direct tokeniseerde, en meteen ook het grootste onchain aandeel ter wereld. De tokens vertegenwoordigen dezelfde gewone aandelen als op de beurs, inclusief stemrecht, en vormen geen aparte soort. Wat voegt die tokenisatie toe, en gaan meer bedrijven dit voorbeeld volgen? Co-hosts zijn Bert en Peter Slagter, beiden analist bij kennisplatform Bitcoin Alpha. Over de podcast Cryptocurrency are here to stay. In deze wekelijkse podcast gidst Daniël Mol je door het belangrijkste cryptonieuws, langs hypes en trends, voor- en tegenstanders en winst en verlies. In het A-deel bespreken we het laatste nieuws en in het B-deel gaan we in gesprek met een gast. Van cypherpunkpioneers tot grootbanken die aan de haal gaan met stablecoins, van Bitcoin tot Ethereum tot CBDC's. Alles passeert de revue.Reageren? Stuur dan een mail naar cryptocast@bnr.nl Gasten Bert Slagter is analist bij kennisplatform Bitcoin Alpha. Peter Slagter is analist bij kennisplatform Bitcoin Alpha. Links Aandelen Circle kelderen door de aankondiging van stablecoin Open USD Fed-voorzitter Warsh houdt een renteverhoging bij de volgende vergadering op tafel Officieel persbericht van Securitize over de tokenisatie van SECZ Securitize beursgang en 295 miljoen dollar aan getokeniseerde aandelen Securitize brengt eigen aandelen onchain als blauwdruk voor beursbedrijven Host Daniël Mol is presentator en redacteur van de Cryptocast. Hij is sinds 2017 met Bitcoin bezig en kwam in 2021 bij het team van de Cryptocast. Redactie Daniël Mol Matthijs Damsteeg See omnystudio.com/listener for privacy information.

Camille Dagorn, VP of Creator Partnerships, McCann New York, is an award-winning creator and influencer marketing expert with more than a decade of experience building high-impact campaigns for global brands including L'Oréal, Unilever, Pernod Ricard, GoPro, and Mastercard. She is known for scaling social-first programs, designing creator-led brand initiatives, and driving measurable growth across beauty, lifestyle, tech, and consumer verticals. Camille is passionate about creating meaningful, unforgettable moments for creators and audiences.

CoinDesk's The Policy Protocol hosts Rebecca Rettig and Renato Mariotti open with two hot topics: the SEC's request for public comment on "novel" ETFs and the launch of Open USD, a new stablecoin protocol backed by Coinbase, major banks, Visa, and Mastercard. Christian Catalini, Founder of the MIT Cryptoeconomics Lab and co-creator of Facebook's Diem/Libram project, joins to argue that the alliance's real test will be in governance. Plus, Rebecca and Renato close by naming their Person of the Week ahead of an important July 4th target. - Timecodes: 00:00 - Welcome to The Policy Protocol 01:57 - SEC Opens Public Comment on "Novel" ETFs 04:39 - Open Standard and the Antitrust Question 07:27 - Christian Catalini on Libra's Lessons, Neutrality, and Governance 16:14 - Person of the Week - This episode is brought to you by RealFi, a smarter stablecoin, backed by real-world assets. Find out more at realfi.co. - Ledn provides a secure and transparent way to access liquidity while maintaining your bitcoin holdings. Perfect 8 year track record of keeping clients assets safe. Don't sell your bitcoin. Get a bitcoin-backed loan. Check out your rate by using their loan calculator at ledn.io - JPEG Trading is a global proprietary trading firm specializing in cryptocurrency and decentralized finance markets. From market structure and liquidity provision to quantitative trading strategies, JPEG Trading operates across the full spectrum of blockchain-based assets. Follow @jpegtrading on X to stay ahead of the latest developments in digital asset markets: https://x.com/jpegtrading

Demetrick, Dr. Corey Petty, and Jesse are back for an episode where the regulated players finish moving in and the outsiders start getting shown the door.BlackRock, Google, Visa, Stripe, MasterCard, Coinbase, and DBS just announced Open Standard USD. It is called open the same way OpenAI is called open. The reserve yield goes to the participating institutions instead of holders, minting and redemption fees get scrapped, and governance sits under a company collectively owned by the biggest financial players on the planet. The guys break down what happens when the payment rails, the asset managers, and the ad tech giants all agree on the same stablecoin at the same time.Meanwhile Tether is done in Europe. USDT trading pairs are gone from Coinbase, Kraken, Binance, and Crypto.com in the EEA because Tether refused to seek MiCA e-money authorization. Demetrick reveals he has an open short on Tether somewhere on the internet and would very much like to find it.The guys also cover the ENS drama that turned out not to be drama at all when the king of the castle stepped in and killed the privacy committee vote from the top. Plus Michael Saylor selling more Bitcoin, and the theory that this is less about strategy and more about staying out of jail.The back half of the show goes philosophical when Corey lays out an essay he wrote called the paradox of democratizing access. When you lower the barrier of entry to a specialized field, you do not get innovation. You get an army of newcomers who confidently reinvent things the experts already figured out, other people throw money at them because money attracts money, and eight moon markets later you are still watching the same cycle. Cue the pitch for Corey to play the Architect from The Matrix explaining this to a young crypto enthusiast in a gray suit.Drop questions in the YouTube comments. Join the Discord.

Enjoy an hour of Easy Listening Christian Music. Each Saturday I will provide another hour of the Sweetest Sound in Town. We are a listener supported pod cast. If you have been blessed by our music I hope you will help with a tax deductible gift. You can donate on line with the Pay Pal tab on the bottom of this page. I will also be happy to send you an envelope for you to return a gift in or accept your Visa or MasterCard when you call our toll free number 1 888 382 0881. You can also send us your gift by mailing it to Shofar Broadcasting P.O. Box 1909 Charleston, W.V. 25327

Enjoy an hour of Easy Listening Instrumental Christian Music. Each Saturday I will provide another hour of the Sweetest Sound in Town. We are a listener supported pod cast. If you have been blessed by our music I hope you will help with a tax deductible gift. You can donate on line with the Pay Pal tab on the bottom of this page. I will also be happy to send you an envelope for you to return a gift in or accept your Visa or MasterCard when you call our toll free number 1 888 382 0881. You can also send us your gift by mailing it to Shofar Broadcasting P.O. Box 1909 Charleston, W.V. 25327

In this July 4th Crypto Rundown, Tevo and Brendan break down Bitcoin's bounce back above $60,000 after a sharp move to new cycle lows, while broader crypto shows signs of life across Ethereum, Solana, Hyperliquid, Pump, Sky, Pendle, Aerodrome, and other altcoins. Brendan explains that Bitcoin's failed break lower and V-shaped recovery are positive first steps, but he cautions that two green days are not enough to confirm a full market reversal yet. The episode also covers extreme fear returning to the market, whale accumulation, Robinhood's major crypto/tokenization announcements, Ethereum institutional adoption, and SharpLink continuing to buy ETH. They close by highlighting how major traditional finance players like JP Morgan, Amex, Visa, Mastercard, Coinbase, BlackRock, BNY, Google, IBM, and others are still building around digital assets and stablecoins despite weak market sentiment.Check Out Scribe: Scribe.how/CRYPTO101Check Out Webroot: https://www.webroot.com/crypto101Check out Quince: https://quince.com/CRYPTO101Check out Shopify: https://shopify.com/crypto101Check out Mars Men: https://mengotomars.comGet my #1 altcoin pick for this month.Get immediate access to my entire crypto portfolio for just $1.00 today! Get your FREE copy of "Crypto Revolution" and start making big profits from buying, selling,Get immediate access to my entire crypto portfolio.. just $1.00 today! Go here to get access: https://www.crypto101insider.com/cryptnation-directm6pypcy1?utm_source=Internal&utm_medium=YouTube&utm_content=Podcast&utm_term=20250916Get your FREE copy of "Crypto Revolution: Your Guide To The Future of Money". In this book, I reveal how to make (and keep) a fortune during this crypto bull run! http://www.cryptorevolution.com/free?utm_source=Internal&utm_medium=YouTube&utm_content=Podcast&utm_term=20250916Chapters00:00 Introduction to the Crypto Rundown01:54 Bitcoin and Market Analysis08:09 Fear and Greed Index Insights14:13 Whales and Market Behavior20:02 Robinhood's Innovations in Crypto22:46 Ethereum's Evolution and Institutional Adoption27:13 Upcoming Guests and Podcast Highlights30:14 Final Thoughts and Market OutlookSubscribe to YouTube for Exclusive Content:https://www.youtube.com/@crypto101podcast?sub_confirmation=1Follow us on social media for leading-edge crypto updates and trade alerts:https://twitter.com/Crypto101Podhttps://instagram.com/crypto_101*This is NOT financial, tax, or legal advice*Boardwalk Flock LLC. All Rights Reserved  ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Fog by DIZARO https://soundcloud.com/dizarofrCreative Commons — Attribution-NoDerivs 3.0 Unported — CC BY-ND 3.0 Free Download / Stream: http://bit.ly/Fog-DIZAROMusic promoted by Audio Library https://youtu.be/lAfbjt_rmE8▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Our Sponsors:* Check out NPR: https://npr.org* Check out Quince and use my code quince.com/crypto101 for a great deal: https://www.quince.com* Check out Scribe and use my code Scribe.how/CRYPTO101 for a great deal: https://scribe.com/Crypto101* Check out Shopify and use my code shopify.com/crypto101 for a great deal: https://www.shopify.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

The crew is joined by Selini Capital's Jordi Alexander to break down Open USD, the no-fee stablecoin from a 140-firm consortium spanning Visa, Mastercard, BlackRock, Google and Coinbase, all aimed at the Circle and Tether duopoly. Plus Saylor's new Digital Credit framework for MicroStrategy, the Ansem-fueled memecoin comeback, and ENS reigniting the “DAOs are fake” debate. Welcome to The Chopping Block – where crypto insiders Haseeb Qureshi, Tom Schmidt, Tarun Chitra, and Robert Leshner chop it up about the latest in crypto. Joining the panel “at the moment of max pain” is Jordi Alexander, CIO of Selini Capital. First up: MicroStrategy in crisis, with MSTR down about 30% in five days and STRC hitting $71, and Saylor's answer, a new Digital Credit framework with an 18-month cash cushion and a jumbo dividend hike to 12%. Then the headline story, Open USD: a no-fee stablecoin from a 140-member consortium including Visa, Mastercard, BlackRock, Google and Coinbase, built to break the Circle and Tether duopoly. The back half covers the memecoin comeback around the Ansem coin, and ENS reigniting the “DAOs are fake” debate after Nick Johnson single-handedly blocked a governance vote, before the crew debates whether consortia are just DAOs in a suit. Let's get into it. Listen to the episode on Apple Podcasts, Spotify, Pods, Fountain, Podcast Addict, Pocket Casts, Amazon Music, or on your favorite podcast platform. Show highlights

Bitcoin rebounds after hitting a fresh 21-month low, below its 200-week moving average — but underneath the panic, whales just made THE LARGEST single Bitcoin accumulation spike EVER recorded on chain: 270,000 BTC scooped up at $59K, bigger than the COVID bottom (150K) and the FTX bottom. Cantor Fitzgerald says the bear market is entering its FINAL stretch, projecting a late October bottom based on historical cycles. Metaplanet added 2,823 BTC to push its stack past 43,000. Robinhood just went 24/5 as DTCC's new 24x5 clearing goes live — Wall Street is officially catching up to crypto's 24/7 reality. Meanwhile the biggest stablecoin launch in history just dropped: 140+ giants — BlackRock, Visa, Stripe, Mastercard, Amex, Google, Coinbase, Ripple — launched Open USD (OUSD), a USDC killer that crashed Circle stock 15% overnight. Add June's brutal Marubozu candle (worst month since June 2022), Fed rate HIKE fears from Kevin Warsh, Strategy's $1.25 BILLION sell authorization, and Trump's disclosed $1.4 BILLION in 2025 crypto earnings blowing up Clarity Act ethics negotiations — and we break down whether smart money just called the bottom, or if this is a whale trap before the next leg lower. Learn more about your ad choices. Visit megaphone.fm/adchoices

Im Scalable Xtrackers MSCI All Country World UCITS ETF stecken mittlerweile schon über 650 Mio. €. Und das nur ein Jahr nach Auflage. Mehr Infos dazu hier. Meta will Cloud-Business starten. CoreWeave und Nebius verlieren. Nike schlägt Erwartungen auf niedrigem Niveau. General Mills senkt Preise. Lime-IPO mit Pop. Bending Spoons IPO mit mehr Pop. Klarna macht Mega-Deal. Moltiply freut's. 927 Seiten Vermögensbericht. Trump hat über 1 Mrd. $ mit Krypto verdient. Memecoin-Lizenz, Token-Verkäufe, Bitcoin-Holdings. Dazu Goldbarren, Aktientrading und Trump-Uhren für 5 Mio. $. Circle (WKN: A417ZL) crasht 20% an einem Tag. Grund: Stripe, Visa, Mastercard und sogar Partner Coinbase bauen mit Open USD einen Konkurrenz-Stablecoin. Wird USDC überflüssig? Außerdem: Strategy (WKN: 722713) verkauft jetzt Bitcoins für Milliarden. Diesen Podcast vom 02.07.2026, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever felt like you're building someone else's dream while quietly feeling called to something more?In this episode, Rachel shares how she walked away from a successful corporate career leading projects for companies like CIBC, Mastercard, KPMG, and Deloitte to build businesses centered on wellness, community, and belonging.We dive into why so many people feel disconnected today, what true success actually looks like, and how following your purpose can change everything.Inside this episode:Leaving corporate to follow your callingWhy community is more important than everRedefining success beyond money and titlesFinding purpose, belonging, and deeper connectionThe one message every woman needs to hear if she feels lostIf you've been craving more purpose, more connection, or the courage to trust what's pulling at your heart, this episode is for you.This version opens with a stronger emotional hook and encourages listeners to keep reading and hit play.Connect with Rachelhttps://www.alignmuskoka.ca/https://www.instagram.com/alignmuskoka/https://www.havenspasocialclub.ca/https://www.instagram.com/havenspasocialclub/?hl=enConnect with Elyse https://www.instagram.com/elyseberendson/Work with Elyse - https://stan.store/elyseberendson

Bloomberg reported that Plaid is considering a US initial public offering. Plaid provides bank-data connectivity for apps including Robinhood, Coinbase, SoFi, and Venmo. The company ended a $5.3 billion sale to Visa in 2021 after a Department of Justice antitrust suit, then raised $425 million at a $13.4 billion valuation. Plaid has expanded into identity verification, fraud tools, and ACH payments, and it introduced consumer permissioning controls. In December 2022, Plaid cut about 260 roles, or 20 percent of staff. A potential listing would unfold alongside the CFPB's open banking rulemaking, faster payments adoption via FedNow and RTP, and competition from Mastercard's Finicity, Envestnet's Yodlee, MX, Visa's Tink, and TrueLayer.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Anthropic said Commerce lifted export controls on Fable 5 and Mythos 5, restoring access Wednesday, and launched Sonnet 5. Sony is ending PlayStation game discs in 2028, a 140-company group unveiled Open USD, and Meta's building a cloud business. Anthropic says the Department of Commerce has lifted export controls on Claude Fable 5 and Mythos 5 and that it will begin restoring access Wednesday (X) Anthropic says the Department of Commerce has lifted export controls on Claude Fable 5 and Mythos 5 and that it will begin restoring access Wednesday (BleepingComputer) Anthropic launches Claude Sonnet 5, saying it nears Opus 4.8 performance at lower prices and is substantially better than Sonnet 4.6 for agentic work (Anthropic) Anthropic launches Claude Sonnet 5, saying it nears Opus 4.8 performance at lower prices and is substantially better than Sonnet 4.6 for agentic work (The New Stack) Sony says all new PlayStation games from both first- and third-party developers will be sold in digital formats from January 2028, ending physical game discs (Game File) Visa, Mastercard, Stripe, BlackRock, Coinbase, and 140+ companies join Open Standard to launch Open USD, a stablecoin that shares earnings from its reserves (The Block) Sources: Meta is developing plans for a cloud infrastructure business that will sell access to AI computing power and models, to compete with AWS and Azure (Bloomberg) SpaceX cuts monthly Starlink prices in half in the Memphis area, as it endures blowback and legal challenges from opponents of its Colossus data centers (Bloomberg) Subscribe to the ad-free feed. Learn more about your ad choices. Visit megaphone.fm/adchoices

Crypto News: President Trump's disclosed his crypto holdings and this could be used in ethics roadblock for the clarity act. Dozens of financial firms including Visa , Stripe , Mastercard , BlackRock and Coinbase are launching a new stablecoin called Open USD OUSD, sharing revenue among partners.Brought to you by

Bitcoin just cratered to $57K — a fresh 21-month low, the lowest since September 2024 — as the token sliced through its 200-week moving average, historically a signal of prolonged bear markets. Fed rate HIKE fears from Kevin Warsh and mounting concerns over Strategy's new $1.25 BILLION sell authorization are stripping Bitcoin's biggest structural bid, with June ETF outflows now confirmed at a record $6 BILLION. Meanwhile the biggest stablecoin story ever just dropped: 140+ giants — including BlackRock, Visa, Stripe, Mastercard, Amex, Google, Samsung, Shopify, Coinbase, and Ripple — just launched Open USD (OUSD), a USDC killer with zero mint/redeem fees and reserve earnings shared with partners. Stripe's president declared OUSD "the DEFAULT stablecoin for businesses running on Stripe," and Circle stock (CRCL) crashed 15% overnight. Add Trump's disclosed $1.4 BILLION in 2025 crypto earnings blowing up the Clarity Act ethics fight — and we break down whether Bitcoin's bottom is in, or if this is just the start of something much worse. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, hosts and guests explore the stark contrast between widespread bearish crypto sentiment and their own bullish conviction, noting how prediction markets and AI equities are thriving while crypto feels sidelined. They break down the major stablecoin consortium announcement involving Visa, Mastercard, Stripe, Coinbase, BlackRock and banks, which redirects Treasury yields away from issuers like Circle and triggered sharp stock moves. The discussion covers why a 2022-style leverage implosion is unlikely this cycle due to improved lending models, proof of reserves, and better risk management, alongside MicroStrategy's dynamics and why it isn't a near-term forced seller. They also examine traditional finance's push to adopt stablecoin rails—including potential disruption from X Money—regulatory shifts like the Clarity Act, and why Bitcoin remains undervalued long-term as a digitally native asset amid institutional adoption and cycle patterns. Learn more about your ad choices. Visit megaphone.fm/adchoices

今天是寶博自己說的時間，要來聊聊最近科技圈有什麼新進展？有什麼值得關注的議題呢？ 今天會聊到的新聞包括： OpenAI 募資 1,220 億美元，估值衝上 8,520 億，傳秋季 IPO Transformer 之父 Noam Shazeer 離開 Google，加入 OpenAI 馬斯克官宣「Starmind」：100 萬顆衛星上太空，AI 算力直接從天上來 穩定幣進入 2.0 時代！Stripe、Visa、Mastercard 聯手籌建新平台，AI 代理也能自動付款 台北市明年啟動無人自駕公車！15 條公車專用道率先試行 庫克認了！記憶體缺貨如「百年洪水』，iPhone 18 今年恐漲價！ 馬上就一起來關注這陣子世界發生的變化吧！ 【寶博朋友說千萬粉絲專屬社群頻道 Discord 開張啦

Welcome to Mastering Cyber with Host Alissa (Dr Jay) Abdullah, PhD, SVP & Deputy CSO at Mastercard, and former White House technology executive. Listen to this weekly one-minute podcast to help you maneuver cybersecurity industry tips, terms, and topics. Buckle up, your 60 seconds of cyber starts now! Sponsored by Mastercard: https://mastercard.us/en-us.html

Can Europe build the next generation of global fintech leaders?In this episode of Couchonomics with Arjun, Stefan Klestil, General Partner Fintech EMEA, joins the show to discuss venture capital, fintech investing, AI, digital assets, founder psychology, and why the Middle East and Africa have become one of the world's most compelling investment opportunities.Stefan explains why Speedinvest launched its dedicated EMEA fund, what separates exceptional founders from everyone else, and why venture investors are increasingly looking beyond Europe for the next wave of global fintech success.The conversation explores the rise of AI-driven fintech, stablecoins, tokenization, venture capital, cross-border financial infrastructure, regulation, and why governance often determines whether startups become lasting businesses.

Bitcoin takes 10 minutes to confirm a transaction on the main blockchain. Visa processes 24,000 transactions per second. Bitcoin manages 7. That gap is real and for years it was Bitcoin's biggest weakness.The Lightning Network is the layer built on top of Bitcoin that most people, including a lot of Bitcoin holders, have never heard of. It makes Bitcoin transactions instant. It makes them essentially free. And in February 2026 it processed over a billion dollars in payments in a single month for the first time.In this episode:What the Lightning Network actually is, explained through a pub tab analogy that makes the whole thing click immediately, including how payment channels work and how your payment routes through the network without you needing a direct connection to every person you payWhy this is a genuine threat to Visa and Mastercard, the two most profitable toll booth businesses ever created, and how Lightning removes the middleman from every transaction they currently take a cut fromWhere Lightning actually sits in 2026, including Coinbase's integration, the February 2026 billion dollar monthly payment milestone, and what the consolidation of the node network actually meansWhy this changes how you should think about what Bitcoin is, including Satoshi's original vision for peer to peer electronic cash and what growing real world utility means for Bitcoin's value over timeIf you know someone who thinks Bitcoin is too slow to be a real currency, this episode is the answer to that argument.I built a free calculator that shows exactly what consistent monthly Bitcoin investing could do to your wealth over 5, 10 or 20 years. It's called the Steady Stack Calculator — punch in what you can afford to put in each month and see what the numbers actually look like at the other end. Most people are genuinely surprised. You can also download the 10 Bitcoin Mistakes to Avoid document completely free at the same link.Steady Stack Calculator and 10 Bitcoin Mistakes Document — click here to grab both for freeHit follow, so you never miss the latest insights on money, finance, invest and build wealth - plus clear guidance on cryptocurrency, Bitcoin, and Bit Coin for today's serious investors.

You added AI support agents to save money. It might be why your chargebacks are climbing. For ecommerce brands, AI support chatbots are an easy sell — fewer tickets, lower headcount, faster response times. But there's a failure mode most operators don't catch until their processor is already asking questions: when a customer hits a wall with your chatbot — a scripted refund denial, no escalation path, or a bot that loops instead of resolves — they don't push back. They call their bank. And that payment dispute lands on your chargeback ratio whether your team ever knew the support interaction failed.In this episode, Maria breaks down three specific ways AI customer support triggers chargebacks for ecommerce businesses, how to audit your own chatbot using the dispute data you already have, and the exact fixes you can make this week — without adding headcount. She also covers the metric every ecommerce operator tracks instead of the right one, and why your ticket deflection numbers are masking a much more expensive problem.

What if young people could earn a paycheck, build real skills, and start a career – all before finishing school? Youth apprenticeships make it possible, but too few young people can access these opportunities.  In the fifth episode of the Annie E. Casey Foundation's series on what young people need to thrive, host Gloria Riviera speaks with two guests who are making the case for how apprenticeships can open doors to opportunity, mentorship and high-quality career pathways: Laura Burgher, an Annie E. Casey Foundation program associate, and Chris Grant, who started his Mastercard apprenticeship at 16 and is now a full-time product designer there. This episode was made possible with support from the Annie E. Casey Foundation, an organization that develops solutions to build a brighter future for children, youth, families and communities. Learn more at aecf.org.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In the latest episode of Scratch, Philip Edsel, VP of Brand & Creative at Ladder, breaks down why most marketing misses the mark and what separates brands that feel cultural from those that feel tone-deaf. As fitness platforms multiply and algorithms fragment audiences, Ladder's strategy isn't to chase trends. It's to listen obsessively to what members actually want—and let that drive every creative decision. We get into: → Why cultural relevance can't be outsourced (or bought from a report) → How to build culture listening into your creative process without overthinking it → Why structuring teams around culture matters more than having the right budget → The brands that win: Skims, Bandit, Nothing-and why art direction is strategy → What happens when you listen to members instead of investors The key takeaways: Self-awareness is the number one attribute of great marketing - Most work fails because it lacks it. It's not about being clever. It's about understanding how your brand is actually perceived and what conversations are happening around it. Culture listening is structural, not magical - Put 30 minutes on your calendar every week. Get obsessed with what your audience actually cares about. Make it non-negotiable. By the time most brands catch on, they're six weeks too late. Either you have the people or you don't - You can't bottle up cultural taste. Either your team feels the pulse of what's moving culture, or it doesn't. If you don't have those people, recruit differently or organize differently. Yeti structured their entire team around communities. Most brands didn't even think of it. Listen to what your members want, not what trends are screaming - Ladder runs 45-minute surveys by the thousands. They're drowning in feedback about what members actually want. That drives product and creative not investor mandates. Simplify your language - Bad copywriting is Philip's biggest pet peeve. If it's a teaser that says "something's coming"—that's meaningless. Use words you'd actually use at dinner. Momentum is found too late for legacy brands - Challenger brands can move faster because they're willing to take creative risks informed by audience data. The inflection point is real. You have to be willing to swing. Watch this episode: ▶️ YouTube: https://youtu.be/pYQH4xUeU9o Scratch is a production of Rival, a marketing innovation consultancy. Hosted by Eric Fulwiler, featuring Philip Edsel of Ladder. Find Rival: wearerival.com | LinkedIn Find Eric: LinkedIn Find Philip: LinkedIn Find Ladder: joinladder.com Say hi: media@wearerival.com     Rival is a marketing consultancy for brands that want to challenge convention in their category. We're on a mission to understand what challenger brands do differently to grow in categories that are being disrupted, and use a challenger playbook to deliver outsized impact through an integrated, tech-enabled approach. Past guests include CMOs from Mastercard, GE, Shell, Hyperloop, Adobe, PepsiCo, and Papa Johns.If you're interested in learning more about marketing from successful CMOs, we compiled a list of the top 5 CMO podcasts to listen to in 2024; check it out here

Welcome to Mastering Cyber with Host Alissa (Dr Jay) Abdullah, PhD, SVP & Deputy CSO at Mastercard, and former White House technology executive. Listen to this weekly one-minute podcast to help you maneuver cybersecurity industry tips, terms, and topics. Buckle up, your 60 seconds of cyber starts now! Sponsored by Mastercard: https://mastercard.us/en-us.html

Graphic designers love logos.We obsess over them.We celebrate them.We tear them apart.And nobody loves judging logos more than designers.But here's the thing...Some of the world's most successful brands have logos designers absolutely hate.Nike.Google.Mastercard.Calendly.And somehow, they're doing just fine.In this episode of The Angry Designer, we unpack why some "bad" logos continue to succeed, why businesses measure logo success differently than designers do, and why the world's best designers spend far less time obsessing over execution than most creatives realize.You'll learn:• Why ugly logos can still be wildly effective• How businesses actually measure branding success• The difference between small and big designer thinkingBecause maybe the question isn't "Is this a good logo?"Maybe the better question is "Why does it work?"Stay Angry our Friends –––––––––––Join Anger Management for Designers Newsletter at https://tinyurl.com/mr4bb4j3Want to see more?  See uncut episodes on our YouTube channel at youtube.com/theangrydesigner Read our blog posts on our website TheAngryDesigner.comJoin in the conversation on our Instagram Instagram.com/TheAngryDesignerPodcast

I used to be afraid of cryptocurrency. In this episode of The John Grdina Classroom, I share the personal-transformation journey from fearful to informed — and I ground it all in Scripture, because Jesus spoke about money constantly, and a good man leaves an inheritance to his children's children (Proverbs 13:22). We start with biblical stewardship and generational wealth, then break down in plain English what blockchain technology actually is, where the CLARITY Act stands in Congress right now, and my honest reasoning for owning XRP and Solana — including Ripple's work with Mastercard and major banks. I put on my skeptic hat and answer the hardest objections head-on: Is crypto safe? Is it a scam? What about the volatility? Then I hand you two low-emotion systems any man can run — dollar-cost averaging on the way in, and earning passive income by staking Solana — plus the real engine of financial freedom, which is time and discipline, not hype. This is a self-improvement and life faith podcast for men who want to lead, provide, and build something that lasts. Not financial advice — one faithful man's reasoning, handed back to you.LISTEN & SUBSCRIBESpotify: https://open.spotify.com/show/3MB897IcrtEke2alZHdP3pApple Podcasts: https://podcasts.apple.com/us/podcast/the-john-grdina-classroom/id1596314353CONNECTWebsite: https://johngrdina.comInstagram: https://www.instagram.com/jgrdina_coach/Facebook: https://www.facebook.com/john.grdina.1Getting started on Kraken (referral): code hj7s3kcs — https://invite.kraken.com/JDNW/j0il8mk8This is a referral link that may benefit both of us. Check current promo terms on Kraken's page.This episode is for education and encouragement, not financial advice. I'm not a financial advisor. Crypto is volatile and you can lose money. Never invest more than you can afford to lose, never go into debt to invest, and do your own research or consult a licensed professional.#SelfImprovementPodcast #PersonalTransformation #LifeFaithPodcast #FaithAndFamilyPodcast #CatholicMen #MenOfFaith #4FFramework #JohnGrdina #FreedomToAscend #FaithFamilyFitnessFinance #MilesFidelis

Is digital banking really about technology anymore?It is becoming a battle for customer relationships, trust, data, and who owns the financial experience.In this episode of Couchonomics with Arjun, Raheel Ahmed, Group CEO of RAKBANK, returns to discuss open finance, AI, stablecoins, SME banking, regulation, and the future of financial services in the UAE.Raheel explains why open finance is being built for customers rather than banks, why products and pricing are becoming increasingly commoditized, and how financial institutions must rethink where they create value in a more transparent and competitive market.The conversation explores how AI is already being deployed inside banks, the opportunities around stablecoins and tokenization, the future of SME financing, and why customer relationships may become the most important asset banks have.From digital transformation and regulation to competition and emerging technologies, this episode examines how banking is evolving and what it will take to stay relevant in the years ahead.

Founders are told that if they work hard, build the right product and hire well, the outcome will follow. It's motivating. It's clean. And according to today's guest, it's mostly wrong.Mike Grossman has been CEO of six venture-backed Silicon Valley companies. Across them, he tried 18 different business models. Twelve failed. Five required layoffs. Three lived in persistent existential crisis. And yet all six were eventually acquired. Mike's story is one that far more founders actually live, but almost nobody tells.In this episode, Yaniv Bernstein sits down with Mike to dig into his new book, Failure Is An Option: a candid 44-essay collection drawn from three decades in the trenches. They explore the uncomfortable truth that luck dominates outcomes more than skill, why your business model is not your business, and how radical honesty is the most underrated leadership tool in a founder's kit.In this episode, you will:Learn about 'resulting': why confusing luck for skill costs founders in both directionsHear how Mike pivoted Tempo from building a Visa/Mastercard competitor to partnering with Mastercard, only to have the entire model wiped out overnight by a Senate amendmentDiscover the 'dreamers vs soldiers' framework for building teams that hold together when adversity strikesHear Mike's hard-won playbook for layoffs: why founders almost always cut too little, too late; what day two feels like; and why a smaller, denser team is often more productiveGet a clear framework for staying accountable for the process when the outcomes aren't in your controlTimestamps:00:00 Coming Up...00:34 On Today's Show: Mike Grossman on Managing Failure02:02 The Role of Luck and Timing03:41 Poker Strategy and 'Resulting'08:55 "The Business Model Is Not The Business"11:27 Tempo's Pivot13:28 Why Values Matter In A Crisis19:21 Talent Density and Layoffs: Cut Once, Cut Deep28:15 How AI Changes Hiring Pace32:15 Leading with 'Radical Honesty'36:33 Dreamers vs. Soldiers38:02 Managing Investors41:43 Luck, Agency, Process48:39 About 'Failure Is An Option'51:29 Closing ThoughtsResources mentioned'Failure Is An Option' by Mike Grossman: https://www.failureisanoption.comMike Grossman's Substack: https://failureisanoption.substack.comThinking in Bets by Annie Duke (the 'resulting' concept discussed): https://www.amazon.com/Thinking-Bets-Making-Smarter-Decisions/dp/0735216355'Incorruptible' by Eric Ries: https://www.incorruptible.co/Eric Ries's TSP episode: https://youtu.be/HQ7cP1lGyiM 'Powerful' by Patty McCord: https://www.amazon.com/Powerful-Building-Culture-Freedom-Responsibility/dp/1939714095Patty McCord's TSP episode: https://www.youtube.com/watch?v=BefnNLBEmXAThe Durbin Amendment (the legislation that killed Tempo): https://en.wikipedia.org/wiki/Durbin_amendmentThe PactHonor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSecure your official TSP merchandise at https://shop.tsp.show/Follow us here on YouTube for full-video episodes: https://www.youtube.com/@startup-podcastGive us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksThis episode of the Startup Podcast is sponsored by .tech domains. Forget weird prefixes and creative misspellings; the availability for .tech domains is simply way better than .com. For a clean name that highlights your tech credentials, get a .tech domain at your favorite registrar.The Startup Podcast website: https://www.tsp.show/episodes/Learn more about Chris and YanivWork 1:1 with Chris: http://chrissaad.com/advisory/Follow Chris on Linkedin: https://www.linkedin.com/in/chrissaad/Follow Yaniv on Linkedin: https://www.linkedin.com/in/ybernstein/Producer: Justin McArthur https://www.linkedin.com/in/justin-mcarthurAssistant Producer: Steph Hefferan https://www.linkedin.com/in/steph-heff/Intro Voice: Jeremiah Owyang https://web-strategist.com/

Carolyn Pham, the former CFTC commissioner now leading MoonPay's institutional push, says crypto has roughly two and a half years to become too big to fail — and the numbers already prove it's happening. Stablecoins did $28 trillion in volume in a single quarter, dwarfing Visa and MasterCard combined. Tokenized repo is hitting $10 trillion every month. In this conversation recorded live at Consensus 2026, Carolyn breaks down what MoonPay Institutional actually means for every bank and asset manager trying to get into crypto without building from scratch, why the narrative that DeFi is incompatible with KYC is a complete fallacy, and how she built America's first digital asset taxonomy at the CFTC that became the foundation for everything the SEC and CFTC are doing now. She explains why this isn't disruption but modernization, how a $100 million acquisition of Israeli defense tech cybersecurity gives MoonPay the wallet infrastructure institutions actually trust, and why a Bitcoin in every brokerage account is the real point of no return. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Merchant Sales Podcast, James sits down with Bob Lovinger, Founder and CEO of FlexxBuy and CEO of Coach Financing, to discuss why consumer financing remains one of the biggest untapped opportunities for agents, ISOs, and software providers. From coaching programs and professional services to home improvement and medical practices, Bob explains how financing can help merchants close more sales, increase average ticket sizes, and create a better customer experience. The conversation explores the evolution of buy now, pay later, the growing demand for financing in today's economy, how financing fits into the sales process, and why many merchants are missing revenue simply because they aren't offering enough payment flexibility. Plus, Patti Murphy's Today in Payments segment covers the proposed $38 billion Visa and Mastercard settlement, interchange transparency, AI-powered payments, remittance taxes, and emerging automation trends shaping the industry.

What if everything you're optimizing for in marketing — attention, clicks, engagement — is a proxy for the one thing that actually drives action? Pranav Yadav is the Founder & Global CEO of Neuro-Insight, the world's largest measure of memory. His company maps brains to determine what advertising actually does to people — second by second — with an 86% correlation to real-world sales. In this conversation, he makes the case that memory is the only metric that matters, explains why hyper-personalization is destroying culture, and breaks down exactly why Budweiser's most iconic Super Bowl ad failed at the brain level while Samsung's Wallhuggers became their most successful campaign ever. Pranav Yadav is a former Goldman Sachs trader turned neuroscientist, Forbes 30 Under 30, and Ad Age 40 Under 40. He created the Neuro Impact Factor — the brain-based metric that all Australian out-of-home media is now traded on.   Key takeaways • 90% of all memory is subconscious — brands have been measuring the wrong 10% • $750 billion in annual marketing spend is wasted because recall ≠ memory • The brain is a pattern-seeking storytelling device — personal relevance opens the door to memory • Hyper-personalization destroys the shared cultural memory that makes marketing work • The #1 rated Super Bowl ad (Budweiser Lost Puppy) placed the brand at the exact moment the brain stopped encoding memory • Samsung's Wallhuggers hid the brand for 45 seconds and became their most successful campaign   Follow Pranav on LinkedIn: linkedin.com/in/pranavyadavpy Learn more: neuro-insight.com   Chapters 0:00 Introduction 1:31 The Urdu Couplet That Opens the Conversation 2:28 Marketing Has Been Leaning on Pseudoscience for Decades 5:09 Why Memory Is the Only Metric That Matters 8:32 The Shirt Test: Recall vs Memory 12:23 How to Get Into the 90% — Story Is the Boat 15:17 What 5,000-Year-Old Vedic Rituals Teach About Memory 19:41 Alexander the Great vs the Naked Wise Man 24:28 MasterCard's Priceless: Finding the Core Truth 27:29 Why Brands Don't Do This (It's Hard) 32:23 Brain Mapping: How Neuro-Insight Actually Measures Memory 39:26 Brand Architecture: The Formula Every Brand Needs 43:48 Why Hyper-Personalization Will Destroy Society 50:54 Why 90% of Super Bowl Ads Fail at the Brain Level 54:17 Budweiser's Lost Puppy: The #1 Ad That Failed 58:04 Samsung Wallhuggers: Genius at the Memory Moment 1:00:25 Why LLMs Are Trained on the Shadow of Thinking 1:07:41 Vows, Not Values: How Neuro-Insight Stays Creative 1:15:51 The Neuro Impact Factor: Changing How Australia Trades Media 1:19:57 What Makes a Great Billboard 1:20:23 Where to Find Pranav   ----Mission.org is a media studio producing content alongside world-class clients. Learn more at mission.org. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The first Federal Reserve meeting under Chair Kevin Warsh and markets react negatively as yields surge and stocks fall. David Zervos, Chief Market Strategist at Jefferies, explains how investors should interpret the Fed's message and where markets could head next. Warren Pies of 3Fourteen Research argues that bull markets do not die of old age and explains why he remains overweight equities. Michelle Meyer, Chief Economist at Mastercard, discusses how higher energy costs are affecting spending patterns and why consumers continue to adapt despite pressure on discretionary budgets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Bill Gurley spent years on Wall Street, built his career as a partner at Benchmark, worked through Uber's hypergrowth era, and now serves on the board of the Santa Fe Institute, where he studies complexity and systems thinking. In this episode, Bill shares the mental models he returns to most, including systems thinking, second- and third-order effects, and the importance of understanding both the bedrock of your field and the bleeding edge. He explains what separates great founders, why storytelling and product instincts matter, how he uses AI across different models, and what he sees coming in open source, China, stablecoins, tokenization, payments, and venture capital.  ------ Timestamps: (00:00) Key Mental Models (02:02) Investing Journey and Key Players (05:21) Knowing the Bedrock of the Industry (08:50) Obsessive Learning in Founders (10:04) The Silent Edge (11:44) Surprising AI Use (13:13) The Future of AI Models (14:17) Global AI Regulation (18:12) Impacts of AI on Investing (19:53) Are There Limitations on Training AI Models? (23:04) Would You Sit in the Back Seat While Your Tesla Drives? (24:15) Non-Consensus Opinions (24:53) Are We Overfunding this Buildout? (29:40) The Role of Retail Investors and Tokenization (34:26) What is a Stablecoin? (37:58) Competitive Mode: Visa and Mastercard (39:55) AI and Debt Analysis (45:05) The Craft of Storytelling and Writing (48:07) Founder Advantage: Product Instinct (50:12) Real World Lessons from Working With Uber (52:10) Inside Benchmark's Success (59:42) What is Success for You? ------ Newsletter: The Brain Food newsletter delivers actionable insights and thoughtful ideas every Sunday. It takes 5 minutes to read, and it's completely free. Learn more and sign up at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------ Follow Shane Parrish: X: ⁠⁠⁠⁠⁠⁠https://x.com/shaneparrish⁠ Insta: ⁠https://www.instagram.com/farnamstreet/⁠ LinkedIn: ⁠https://www.linkedin.com/in/shane-parrish-050a2183/⁠ Follow Bill Gurley LinkedIn: https://www.linkedin.com/in/billgurley/ X: https://x.com/bgurley?lang=en Check out Runnin' Down a Dream: How to Thrive in a Career You Actually Love ------ Thank you to the sponsors for this episode: +CoinShares: Delivering Reason to Digital Asset Investing. ⁠https://coinshares.com/⁠ +Granola AI, The AI notepad for people in back-to-back meetings: https://www.granola.ai/shane Check out the Granola Notes +HeyGen is a message-first AI video platform that helps people and AI agents turn ideas into professional video in minutes. Try for free at https://www.heygen.com/ +LMNT: My go-to zero sugar electrolytes — get a free LMNT Sample Pack here: DrinkLMNT.com/TKP Learn more about your ad choices. Visit megaphone.fm/adchoices