Podcasts about Mastercard

Jill Cress is the Chief Marketing and Experience Officer for H&R Block. She also serves on the board of the AdCouncil, and she's been recognized on Forbes' list of the World's 50 Most Influential CMOs. Before H&R Block, Jill spent 20 years at MasterCard. Now, a leader who spends most of their professional life working in financial institutions could easily build their success around the study of data, but the foundations of Jill's leadership are based on the most valuable investments of all. Delivering results has always been table stakes when you're stepping into a leadership position, and money will and should sit squarely on that table as one essential definition of success. But enduring financial success is a consequence of your willingness to take your eyes off the financial prize and fix them squarely on your most valuable assets: The people that work for you. And what matters to them are two things. First, that they matter. And second, that what they're doing makes a difference. During our conversation, I talked to Jill about the creativity diagnostic tool that we've developed. It measures when leaders are creating the conditions that maximize the creativity of their people. One of the critical insights that shows up time and time again is that the very best leaders are fully invested in creating a culture that ensures that everyone feels seen and heard and respected. Now, this investment carries personal risk, because it can make you as the leader feel vulnerable, and it is time consuming. But the ROI is through the roof. So what are you investing in?

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

Rapportsäsongen drar igång och i dagens avsnitt diskuteras bolagen du ska hålla koll på.Patrick Thomenius, marknadsanalytiker på IG, ser samtidigt ett köpläge i Ericsson efter den starka rapporten.Det blir också ett case i de två kortjättarna Mastercard och Visa.Läs mer om IG: https://www.ig.com/X: https://twitter.com/igsverigeInstagram: https://www.instagram.com/igsverige/Facebook: https://www.facebook.com/IGSverige​LinkedIn: https://www.linkedin.com/company/igsverige/Optioner och turbowarranter är komplexa finansiella instrument. Handel med dessa instrument medför en hög risk för snabb förlust av pengar.CFD-kontrakt är komplexa instrument som innebär stor risk för snabba förluster på grund av hävstången. 75 % av alla icke-professionella kunder förlorar pengar på CFD-handel hos den här leverantören. Du bör tänka efter om du förstår hur CFD-kontrakt fungerar, och om du har råd med den stora risken för att förlora dina pengar.

Czwarty odcinek specjalnej serii „Slajdy na miarę Effie” to rozmowa z człowiekiem, który wie o wynikach sporo – naszym gościem jest Jerzy Hołub, VP Marketing & Communication w Mastercard, juror Cannes Lions i Effie, a także lider zespołów odpowiedzialnych za kampanie nagradzane na obu tych festiwalach.Zastanawiamy się czy sprzedaż to jedyna „waluta”, która się liczy? Jak długoterminowa współpraca z agencją wpływa na ocenę sukcesu kampanii? I wreszcie... jak dobrze pokazać wyniki w zgłoszeniu, ale też… w organizacji?Sporo konkretów, inspirujących wniosków i kulis pracy nad kampaniami, które zdobywają najważniejsze nagrody na świecie.Razem ze Stowarzyszeniem Komunikacji Marketingowej SAR i Effie Awards Poland zapraszamy was do specjalnej serii „Slajdy na miarę Effie”. Najlepsi eksperci w sztuce marketingu podzielą się doświadczeniem jak tworzyć kampanie, które docenią konsumenci i branża. W pięciu odcinkach serii przyjrzymy się głównym filarom efektywnej kampanii reklamowej. golden, submarine, goldensubmarine, jakub, kwaczynski, marta, ulman, marketing, reklama, agencja, reklamowa, strategia, kampanie, promocja, effie, awards, mixx, ktr, sar, stowarzyszenie, komunikacji, marketingowej, MBS, kurs, case, study, wyniki, skuteczność, efektywność, performance, dane, analiza, insight, KPI, ROAS, brand, marka, mastercard, hołub, jerzy, cannes, lions, jury, podcast, mamy, na, to, slajd, slajdy, na, miarę, effie, digital, komunikacja, biznes, cel, growth, marketingowy

This week we talk about smishing, Huione, and scams.We also discuss money laundering, the Cambodian government, and Tether.Recommended Book: The Longevity Imperative by Andrew J. ScottTranscriptThe portmanteau ‘smishing' combines SMS and phishing to refer to the practice of using text messages to trick the recipients of said messages into revealing information that allows scammers to access their victim's accounts on various platforms.One common variation of smishing, which I've seen a lot recently, personally, are messages purportedly from toll road operators that tell the recipient they've got an unpaid toll, and they need to follow a link that's provided in order to pay it. If the person receiving that message follows the instructions, they'll tend to land on a webpage that's convincing enough, which looks like the sort of site you might go to if you're paying that kind of toll, online, and you enter your payment information and are then either immediately charged for this fake toll, or that information is used in some more cohesive manner—maybe the card is stolen, maybe it's added to a larger collection of data they have on you which is then leveraged for a larger payout.This type of scam has become more common in recent years because of innovations deployed by what security researchers have called the Smishing Triad, which is a trio of mobile phishing groups operating out of China that seem to have refined their infrastructure and techniques so that messages they send via iMessage to iPhone users and RCS to Android users can bypass mobile phone networks and enjoy a nearly 100% delivery rate—which makes the name a little ironic, since these groups don't use SMS to deliver these scam texts anymore, as those other methods of delivery are more reliable for such messages, these days.The big innovation introduced by these groups, though, beyond that deliverability, is the productization of mobile phishing, which basically means they've packaged up applications that allow their customers, which are usually smaller-time phishing groups and individuals, to share links to convincing-looking copies of Paypal, Mastercard, Stripe, and CitiGroup payment sites, among others, including individual banks, and that makes knee-jerk payments from the victims receiving these texts more likely, and less likely to set of alarm bells in the minds those receiving them, because they look like just normal payment sites.These pre-packaged scam assets also include regularly rotated web domains, which makes them less likely to trigger the recipient's anti-scam software—their browser will be less likely to flag them as problematic, basically. And the Triad has hundreds of actual humans working desk jobs, worldwide, supporting their customer base, which again is a bunch of scammers that use this package of tools to try to steal money from their marks.All of this is enabled, in part, by clever emulation software that allows Triad customers to leverage legit and legit-seeming phone numbers from a computer or phone, those devices then sending out around 100 messages per second, per device, to phone numbers in the targeted region. They're able to do this on a budget because of the efficiency of the software acquired from the Smishing Triad, and the Triad stays just ahead of regulators and law enforcement by rapidly iterating their offerings, which in turn does the same for all of their customers—which grants the benefits of a larger institution to all these individual and smaller scam groups.What I'd like to talk about today is another alleged backend for scammers, this one this more overt and public facing, and perhaps even more impactful because of its size and because of the nature of its offerings.—The Huione (hu-WAY-wahn) Group is a financial conglomerate primarily based in Cambodia, though it also has satellite offices in other countries, mostly in Southeast Asia.Folks use the entity's QR codes to pay for stuff all around Cambodia, from restaurant tabs to hotel bills to supermarket tallies, and it offers normal banking stuff like checking and savings accounts, alongside things like escrow services and a cryptocurrency exchange.This is a company that buys billboards along major highways throughout the country and which has well-connected people in charge, including one of the Cambodian prime minister's cousins, who is the director of a Huione company.In addition to its many legitimate offerings, though, Huione has also been accused to providing a range of gray and blackmarket products and services to folks who are doing skeevy but partially legal things, alongside wholly criminal enterprises, like a human trafficking outfit in Myanmar and folks running large smishing schemes in other parts of Southeast Asia.Huione's primary offering for the criminal underworld though, is allegedly serving as a money laundering go-between.If you run a smishing scammer network, or a group that kidnaps people and sell them into various types of modern slavery in Myanmar, you may have trouble using the money you earn for these efforts because they're off-book, blackmarket sorts of income. You need to clean, to launder that money to make it seem legitimate, so that you can put it in banks or otherwise use it to pay for things like you would with normal, non-illegally earned money.Money laundering matchmaker services maintain networks of what are called money mules, and these mules are sometimes individuals, and they're sometimes shell companies with bank accounts or their own cryptocurrency wallets.If you're scamming people out of their money, you might use this type of service to connect you with a money mule, and you provide that mule's bank or crypto account information to your victim—so when you receive a scammy text message and follow it to completing, the bank your money is sent to will probably be that of a mule, not the person or group doing the scamming.So the victim transfers their money to that mule's account, and the mule then moves said money from one account to another to another to another to another, eventually converting it into an asset like a cryptocurrency, once the path has been suitably muddled. They take their cut, which is often something like 15%, somewhere along the way, and you, their customer, the scammer, are handed neutralized, clean resources in the form of that cryptocurrency—which you can then convert into real money at some point—on the other end.An entity like Huione makes money by connecting scammers and other criminals with mules, but also by serving as a guarantor on these transactions.So this entity allegedly, via a network of Telegram channels it maintains, telegram being an anonymizing chat app similar to WhatsApp, it allows matchmakers to advertise on these channels, using thinly veiled language to promote their services, and Huione is able to make money selling ads to mules and other matchmakers who want to promote via these highly trafficked channels, one of which has more than 400,000 users—and they have many of these things, and that alone apparently brings in a fair bit of revenue, serving as a sort of hard-to-track Craigslist for this component of the scam economy.The guarantor component of this digital bazaar means that Huione holds the transactions between scammer and mules in escrow, just like any other escrow service: they take the money and hold it until the service has been completed, at which point they release it, taking a small cut for the service of ensuring that no one gets ripped off—except for the original victim of the scam, of course.The majority of these transactions are completed using Tether, which is a stablecoin that tries to peg its value to the US dollar, each token worth exactly one USD, rather than fluctuating like speculative crypto assets, like Bitcoin, and this allows everyone involved to maintain a veil of both feigned ignorance and anonymity, making it difficult to track who does what, how much money changes hands, and who gets paid and does the paying.This setup allows Huione to claim ignorance any time someone accuses them of doing illegal stuff: after all, they can't possibly be responsible for what all the entities using their services are up to, right? All everything is just muddled and anonymized enough to grant seeming truthfulness to that claim of ignorance.Because of how all this is set up, most of what we know about this is the result of whistleblowing from insiders and leaked documents, alongside divulgences from security researchers who know how to get into these sorts of networks and who at times hack those involved in various ways.And it seems, based on those divulgences and other gleaned knowledge, that Huione's money laundering services, alone, have been linked to nearly $27 billion in cryptocurrency transactions since 2021—though that could be a significant undercount because of the blurry nature of this industry and the entities involved with it.Thus far, Huione has never been targeted for sanctions by any government.Tether took action to freeze some of its accounts after law enforcement officials flagged them for criminal behavior, and Telegram has closed some of those illicit, matchmaking channels, but it's easy enough to set up new versions of both, while the escrow subsidiary of Huione, previously called Huione Guarantee, denies any connection to these activities and even changed its name to Haowang Guarantee in October of 2024, though that denial seems to be public-facing only: the escrow-providing company continues to claim that the larger Huione Group is one of its strategic partners and shareholders.Huione also has its own matchmatching service, called Huione International Pay, which operates as a real-deal bank, but also does what all the other matchmakers do—it helps criminal enterprises shuffle their money around, taking a fee to provide them with clean money, usually in the shape of Tether crypto tokens, on the other end.Though notably, Huione also recently launched their own stablecoin called USDH, alongside an in-house communication service called ChatMe and an array of mini-games that seem optimized for automation, which is another means of laundering money via what seems like gambling apps, allowing their clients to cut out the casinos that are sometimes used as part of the laundering process. All of which seems primed to internalize more of this process, slowly doing away with the need for Telegram and Tether and those casinos, which would seem to remove some of the risk associated with those external, uncontrolled-by-Huione, platforms.Despite all this, this enterprise has been allowed to flourish and grow like it has, according to a threat analyst with the UN, at least, because of lax enforcement in Cambodia, and the conglomerate's connections with the government and ability to say, basically, we're legit, look, we're just a bank, we can't control what other people might do with our services. Their whole setup is obscure enough, too, that anyone who takes a close look at their entangled business structure quickly gets lost in its complexity and many tangles and dead-ends.Some governments, including the Chinese government, have been cracking down on entities like Huione operating within their borders, but many such crackdowns are hobbled when they're aimed at operations based in different countries, especially those with lax enforcement, like Cambodia.Also worth noting is that if someone's going to get caught, it'll most likely be the mules, not the matchmakers or scammers, and that's by design. It's a bit like street-level drug dealers being more likely to be picked up by police than the folks running the larger drug enterprise of which they're a part. Huione and other entities like it are largely insulated from major consequences, even if the mules who use their services periodically get caught in dragnets cast by law enforcement.That said, the National Bank of Cambodia recently announced that it hasn't renewed Huione's license to operate its payment service in the country, the one that runs all those QR codes, because it didn't meet renewal requirements. That happened in late-March of 2025, so pretty recently, though the company has already said that it will register its business in Japan and Canada, so it seems to be looking for a suitable plot of land on which to rebuild this component of its setup.Many security researchers and law enforcement officials have warned that the time to crack down on Huione and similar conglomerates is now, because they're currently reliant on partially exposed third-parties like Telegram and Tether. Once they successfully move those activities inward, they'll be a lot more difficult to track, but also nearly impossible to shutter, unless there's a significant change in the government and enforcement climate in the countries in which they're based, which at this point at least, looks unlikely.Show Noteshttps://www.nytimes.com/2025/03/23/world/asia/cambodia-money-laundering-huione.htmlhttps://www.wired.com/story/the-largest-illicit-online-marketplace-ever-is-growing-at-an-alarming-rate/https://www.wired.com/story/pig-butchering-scam-crypto-huione-guarantee/https://www.wired.com/story/interpol-pig-butchering-scams-rename/https://www.propublica.org/article/casinos-cambodia-myanmar-laos-southeast-asia-fraud-cybercrimehttps://krebsonsecurity.com/2025/04/china-based-sms-phishing-triad-pivots-to-banks/#more-70793https://en.wikipedia.org/wiki/Mobile_phone_spam This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit letsknowthings.substack.com/subscribe

How can skills power internal mobility and personalized development? When it comes to recoding your culture, why is it important to measure both the “what” and the “how?”My guests on this episode are Lucrecia Borgonovo, Chief Talent and Organizational Effectiveness Officer, Mastercard & Michael Lennartz, Executive Vice President, Total Rewards, MastercardDuring our conversation Lucrecia, Michael, and I discuss:The steps Mastercard took to evolve their culture and refresh their "Mastercard Way."How "The Mastercard Way" aligns the company's strategic objectives to with employee behaviors.Why the "Mastercard Way" framework uses the power of three and measures on the “what” and the “how.”Why skills are the new currency for career progression at Mastercard.How Mastercard's AI-driven talent marketplace is transforming internal mobility and personalized development.Connecting with Lucrecia and Michael: Connect with Lucrecia on LinkedInConnect with Michael on LinkedInEpisode Sponsors: Next-Gen HR Accelerator - Learn more about this best-in-class leadership development program for next-gen HR leadersElevate 2025 - Learn more about this once a year, 3-week virtual program focused on taking your strategic capabilities and business impact to the next level with 16 interactive sessions led by 18 HR thought leaders.HR Leader's Blueprint - 18 pages of real-world advice from 100+ HR thought leaders. Simple, actionable, and proven strategies to advance your career.Succession Planning Playbook: In this focused 1-page resource, I cut through the noise to give you the vital elements that define what “great” succession planning looks like.

Bullet SummaryTrump kills the IRS broker rule, a major win for DeFi freedom and data privacy.Paul Atkins takes over the SEC, promising a pro-innovation framework for digital assets.Ripple and the SEC pause appeals to finalize settlement, with a $50M penalty on the table.Bitcoin drops below $78,500 as China tariff fears resurface and risk appetite fades.Michael Saylor crowns "chaos" as Bitcoin's ultimate power source during global turmoil.Goblintown launches NFT licenses ahead of its chaotic new racing game.Altcoin market cap plunges, but analysts eye a potential setup for altseason.Kraken and Mastercard join forces to roll out crypto payments to 150M+ merchants.HyperLiquid vault collapses after centralization fears, wiping out $390M in TVL.

Crypto News: Trump pauses tariffs for 90 days which causes Crypto and Stocks to pump. Senate confirms new SEC Chair Paul Atkins. SEC approves options trading for Ethereum Spot ETF.

In this episode of We're Only Human, host Ben Eubanks chats with Matt Leitzman, VP of Talent Acquisition at MasterCard, and Craig Drysdale, VP of Talent and Engagement at Leonardo. The discussion delves into the role of AI in hiring, effective candidate screening techniques, and the evolving landscape of talent acquisition. Both guests highlight their organizations' experiences with AI-driven tools for screening, such as automated interview scheduling and video assessments, and emphasize the importance of testing, human connection, and strategic alignment with hiring managers. The episode provides valuable insights for improving candidate experience, recruiter efficiency, and making data-driven hiring decisions.00:00 Introduction and Guest Welcome00:26 Guest Introductions and Backgrounds02:39 The Evolution of Candidate Screening07:04 High Volume and Early Career Hiring Challenges10:10 Technology and Screening Tools20:50 Data-Driven Talent Acquisition32:48 AI in Recruitment: Opportunities and Cautions39:23 Final Thoughts and Key TakeawaysConnect with Matt on LinkedInConnect with Craig on LinkedInThanks to Phenom for connecting us for this episodeSee the show archives and sign up for episode updates

Volatility remains king in the stock market, and Kenny Polcari turns to his Big 3 he believes can still muscle gains. He explains favorable technicals and dividends behind L3Harris (LHX), Mastercard's (MA) strong earnings performance, and Amazon's (AMZN) "sale" from all-time highs. Rick Ducat dives into the technical trends he sees in the charts.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

10th April: Blockchain DXB podcast

In this episode, we sit down with Khalid El Khatib, the Chief Marketing Officer of Consumer Reports, one of America's most trusted and oldest consumer advocacy organizations. Khalid unpacks how he's transitioning Conaumer Reports from a “publisher” mindset to a platform strategy that emphasizes product-led growth, user-centric advocacy, and yes, the iconic lab testing (including a cat-hair-laden robotic vacuum test).One of the key takeaways here is how community can be a company's competitive moat, and how bringing in fresh digital tactics doesn't have to mean losing an 88-year legacy of credibility. Another recurring theme is the intergenerational aspect of CR's brand story - how do you engage a loyal but aging membership and a new crop of digitally native consumers at the same time? If you've ever wondered how to future-proof an institution while staying true to its roots, then this conversation is for you!Watch the video version of this podcast on Youtube ▶️: https://youtu.be/K-OrSj6ioiA          

Welcome to Strategy Skills episode 541, an interview with the author of Transcend: Unlocking Humanity in the Age of AI, Faisal Hoque.   In this episode, Faisal shares his journey from his early days developing software to becoming a business leader focused on strategy and impact. Faisal talks about how Eastern philosophy, particularly Buddhism, influences his approach to business and leadership, helping him stay grounded while pursuing innovation. He opens up about how his son's serious illness changed his outlook on life and business, driving him to use technology to improve medical treatments. We also discuss AI's effects on society, with Faisal offering practical advice for leaders on balancing technological advancement with human skills. Throughout our conversation, he shares simple practices that keep him sharp - from reading widely to constantly trying new things - and explains how focusing on the journey rather than just outcomes has shaped his success.   Faisal Hoque is recognized as one of the world's leading management thinkers and technologists. He is an award-winning entrepreneur, innovator, and #1 Wall Street Journal best-selling author with close to thirty years of cross-industry success. Faisal is the founder of SHADOKA, NextChapter, and other companies. He also serves as a transformation and innovation partner for CACI, an $8 billion company focused on U.S. national security.    As a founder and CEO of multiple companies, Faisal is a three-time winner of the Deloitte Technology Fast 50™ and Fast 500™ awards. He built his first commercial software product at the age of 20 while studying at the University of Minnesota. Since then, he has developed more than twenty commercial platforms and worked with leadership at the US DoD, US DHS, GE, MasterCard, American Express, Home Depot, PepsiCo, IBM, Chase, and others. For their innovative work, he and his team have been awarded several provisional patents in the areas of user authentication, business rule routing, and metadata sorting.   Get Faisal's book here: https://rb.gy/ocxp7b Transcend: Unlocking Humanity in the Age of AI   Here are some free gifts for you: Overall Approach Used in Well-Managed Strategy Studies free download: www.firmsconsulting.com/OverallApproach   McKinsey & BCG winning resume free download: www.firmsconsulting.com/resumepdf   Enjoying this episode? Get access to sample advanced training episodes here: www.firmsconsulting.com/promo  

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

Sales of Apple devices spike heavily as tariffs and potential price hikes drive customers to a shopping frenzy for Apple goods. Apple, alongside Google, is given permission to keep TikTok in its App Store until the US deal is finalized. Could the iPhone's auto-suggested contact be to blame for the Signal scandal? And even though Severance is a big hit, it isn't enough to give Apple TV+ a boost in subscribers. Apple stock bloodbath continues after China applies retaliatory tariffs. How Apple 'flew' 5 flights full of iPhones from India and China in 3 days to beat Trump tariffs. Apple customers dash to stores to buy iPhones ahead of tariffs. Tarriff-related iPhone price increases estimated to be lower than feared. From Kuo: Apple can reduce impact of Trump's massive tariffs in five ways. Secret court rules against Yvette Cooper over Apple encryption. White House reportedly blames auto-suggested iPhone contact for Signal scandal. EU to issue Apple's Digital Markets Act antitrust ruling within weeks. Visa offers Apple roughly $100 million to take over credit card from Mastercard. Apple launches new Mac and Vision Pro app for managing Immersive content. Apple's canceled Federation Square store lives on in Apple Vision Pro. New "Immersive VIP Yankee Stadium" immersive video. Apple TV+ brings Lumon Industries to life. Even Severance isn't enough to give Apple TV+ a big boost in subscribers. Z-Wave, popular among smart home enthusiasts, becomes an open-source protocol with a new long-range technology as it seeks Matter support to avoid obsolescence. CalDigit's new Thunderbolt 5 docks bring plenty of ports. Picks of the Week: Leo's Pick: icloudpd 1.27.2 Jason's Picks: Insta360 2-in-1 Invisible Selfie Stick + Tripod & Neewer Mini Desk tripod. Andy's Pick: Kindle Comic Converter Mikah's Pick: puffies. Hosts: Leo Laporte, Andy Ihnatko, and Jason Snell Guest: Mikah Sargent Download or subscribe to MacBreak Weekly at https://twit.tv/shows/macbreak-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: 1password.com/macbreak spaceship.com/twit

Sales of Apple devices spike heavily as tariffs and potential price hikes drive customers to a shopping frenzy for Apple goods. Apple, alongside Google, is given permission to keep TikTok in its App Store until the US deal is finalized. Could the iPhone's auto-suggested contact be to blame for the Signal scandal? And even though Severance is a big hit, it isn't enough to give Apple TV+ a boost in subscribers. Apple stock bloodbath continues after China applies retaliatory tariffs. How Apple 'flew' 5 flights full of iPhones from India and China in 3 days to beat Trump tariffs. Apple customers dash to stores to buy iPhones ahead of tariffs. Tarriff-related iPhone price increases estimated to be lower than feared. From Kuo: Apple can reduce impact of Trump's massive tariffs in five ways. Secret court rules against Yvette Cooper over Apple encryption. White House reportedly blames auto-suggested iPhone contact for Signal scandal. EU to issue Apple's Digital Markets Act antitrust ruling within weeks. Visa offers Apple roughly $100 million to take over credit card from Mastercard. Apple launches new Mac and Vision Pro app for managing Immersive content. Apple's canceled Federation Square store lives on in Apple Vision Pro. New "Immersive VIP Yankee Stadium" immersive video. Apple TV+ brings Lumon Industries to life. Even Severance isn't enough to give Apple TV+ a big boost in subscribers. Z-Wave, popular among smart home enthusiasts, becomes an open-source protocol with a new long-range technology as it seeks Matter support to avoid obsolescence. CalDigit's new Thunderbolt 5 docks bring plenty of ports. Picks of the Week: Leo's Pick: icloudpd 1.27.2 Jason's Picks: Insta360 2-in-1 Invisible Selfie Stick + Tripod & Neewer Mini Desk tripod. Andy's Pick: Kindle Comic Converter Mikah's Pick: puffies. Hosts: Leo Laporte, Andy Ihnatko, and Jason Snell Guest: Mikah Sargent Download or subscribe to MacBreak Weekly at https://twit.tv/shows/macbreak-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: 1password.com/macbreak spaceship.com/twit

Sales of Apple devices spike heavily as tariffs and potential price hikes drive customers to a shopping frenzy for Apple goods. Apple, alongside Google, is given permission to keep TikTok in its App Store until the US deal is finalized. Could the iPhone's auto-suggested contact be to blame for the Signal scandal? And even though Severance is a big hit, it isn't enough to give Apple TV+ a boost in subscribers. Apple stock bloodbath continues after China applies retaliatory tariffs. How Apple 'flew' 5 flights full of iPhones from India and China in 3 days to beat Trump tariffs. Apple customers dash to stores to buy iPhones ahead of tariffs. Tarriff-related iPhone price increases estimated to be lower than feared. From Kuo: Apple can reduce impact of Trump's massive tariffs in five ways. Secret court rules against Yvette Cooper over Apple encryption. White House reportedly blames auto-suggested iPhone contact for Signal scandal. EU to issue Apple's Digital Markets Act antitrust ruling within weeks. Visa offers Apple roughly $100 million to take over credit card from Mastercard. Apple launches new Mac and Vision Pro app for managing Immersive content. Apple's canceled Federation Square store lives on in Apple Vision Pro. New "Immersive VIP Yankee Stadium" immersive video. Apple TV+ brings Lumon Industries to life. Even Severance isn't enough to give Apple TV+ a big boost in subscribers. Z-Wave, popular among smart home enthusiasts, becomes an open-source protocol with a new long-range technology as it seeks Matter support to avoid obsolescence. CalDigit's new Thunderbolt 5 docks bring plenty of ports. Picks of the Week: Leo's Pick: icloudpd 1.27.2 Jason's Picks: Insta360 2-in-1 Invisible Selfie Stick + Tripod & Neewer Mini Desk tripod. Andy's Pick: Kindle Comic Converter Mikah's Pick: puffies. Hosts: Leo Laporte, Andy Ihnatko, and Jason Snell Guest: Mikah Sargent Download or subscribe to MacBreak Weekly at https://twit.tv/shows/macbreak-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: 1password.com/macbreak spaceship.com/twit

Sales of Apple devices spike heavily as tariffs and potential price hikes drive customers to a shopping frenzy for Apple goods. Apple, alongside Google, is given permission to keep TikTok in its App Store until the US deal is finalized. Could the iPhone's auto-suggested contact be to blame for the Signal scandal? And even though Severance is a big hit, it isn't enough to give Apple TV+ a boost in subscribers. Apple stock bloodbath continues after China applies retaliatory tariffs. How Apple 'flew' 5 flights full of iPhones from India and China in 3 days to beat Trump tariffs. Apple customers dash to stores to buy iPhones ahead of tariffs. Tarriff-related iPhone price increases estimated to be lower than feared. From Kuo: Apple can reduce impact of Trump's massive tariffs in five ways. Secret court rules against Yvette Cooper over Apple encryption. White House reportedly blames auto-suggested iPhone contact for Signal scandal. EU to issue Apple's Digital Markets Act antitrust ruling within weeks. Visa offers Apple roughly $100 million to take over credit card from Mastercard. Apple launches new Mac and Vision Pro app for managing Immersive content. Apple's canceled Federation Square store lives on in Apple Vision Pro. New "Immersive VIP Yankee Stadium" immersive video. Apple TV+ brings Lumon Industries to life. Even Severance isn't enough to give Apple TV+ a big boost in subscribers. Z-Wave, popular among smart home enthusiasts, becomes an open-source protocol with a new long-range technology as it seeks Matter support to avoid obsolescence. CalDigit's new Thunderbolt 5 docks bring plenty of ports. Picks of the Week: Leo's Pick: icloudpd 1.27.2 Jason's Picks: Insta360 2-in-1 Invisible Selfie Stick + Tripod & Neewer Mini Desk tripod. Andy's Pick: Kindle Comic Converter Mikah's Pick: puffies. Hosts: Leo Laporte, Andy Ihnatko, and Jason Snell Guest: Mikah Sargent Download or subscribe to MacBreak Weekly at https://twit.tv/shows/macbreak-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: 1password.com/macbreak spaceship.com/twit

In this episode of Gradient Dissent, host Lukas Biewald talks with Christopher Ahlberg, CEO of Recorded Future, a pioneering cybersecurity company leveraging AI to provide intelligence insights. Christopher shares his fascinating journey from founding data visualization startup Spotfire to building Recorded Future into an industry leader, eventually leading to its acquisition by Mastercard.They dive into gripping stories of cyber espionage, including how Recorded Future intercepted a hacker selling access to the U.S. Electoral Assistance Commission. Christopher also explains why the criminal underworld has shifted to platforms like Telegram, how AI is transforming both cyber threats and defenses, and the real-world implications of becoming an "undesirable enemy" of the Russian state.This episode offers unique insights into cybersecurity, AI-driven intelligence, entrepreneurship lessons from a two-time founder, and what happens when geopolitical tensions intersect with cutting-edge technology. A must-listen for anyone interested in cybersecurity, artificial intelligence, or the complex dynamics shaping global security.

Sales of Apple devices spike heavily as tariffs and potential price hikes drive customers to a shopping frenzy for Apple goods. Apple, alongside Google, is given permission to keep TikTok in its App Store until the US deal is finalized. Could the iPhone's auto-suggested contact be to blame for the Signal scandal? And even though Severance is a big hit, it isn't enough to give Apple TV+ a boost in subscribers. Apple stock bloodbath continues after China applies retaliatory tariffs. How Apple 'flew' 5 flights full of iPhones from India and China in 3 days to beat Trump tariffs. Apple customers dash to stores to buy iPhones ahead of tariffs. Tarriff-related iPhone price increases estimated to be lower than feared. From Kuo: Apple can reduce impact of Trump's massive tariffs in five ways. Secret court rules against Yvette Cooper over Apple encryption. White House reportedly blames auto-suggested iPhone contact for Signal scandal. EU to issue Apple's Digital Markets Act antitrust ruling within weeks. Visa offers Apple roughly $100 million to take over credit card from Mastercard. Apple launches new Mac and Vision Pro app for managing Immersive content. Apple's canceled Federation Square store lives on in Apple Vision Pro. New "Immersive VIP Yankee Stadium" immersive video. Apple TV+ brings Lumon Industries to life. Even Severance isn't enough to give Apple TV+ a big boost in subscribers. Z-Wave, popular among smart home enthusiasts, becomes an open-source protocol with a new long-range technology as it seeks Matter support to avoid obsolescence. CalDigit's new Thunderbolt 5 docks bring plenty of ports. Picks of the Week: Leo's Pick: icloudpd 1.27.2 Jason's Picks: Insta360 2-in-1 Invisible Selfie Stick + Tripod & Neewer Mini Desk tripod. Andy's Pick: Kindle Comic Converter Mikah's Pick: puffies. Hosts: Leo Laporte, Andy Ihnatko, and Jason Snell Guest: Mikah Sargent Download or subscribe to MacBreak Weekly at https://twit.tv/shows/macbreak-weekly. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: 1password.com/macbreak spaceship.com/twit

Guest: Pedro FranceschiPedro Franceschi is the co-founder and CEO of Brex, a fintech company reshaping how businesses manage their finances.Originally from Brazil, Pedro went from teenage hacker to leading one of the most well-known names in modern financial technology—building a platform trusted by startups and enterprises alike.In this episode, Pedro shares what it took to launch “Brex 3.0,” why he moved to a single-CEO model, and how tough structural changes set the stage for leaner, faster growth.Chapters:00:00 Trailer00:46 Introduction01:45 Startup roller coaster05:21 Founders know how to have fun07:12 Belief barrier evolution12:00 Early state of life in Brazil13:23 Controlling variables15:32 Screen time19:23 Making small decisions23:27 Learning raises the bar26:15 People manager38:49 Getting underwater42:05 Growth accelerated47:51 Vision from the top down52:13 Leadership organization54:01 AI software engineering physics54:43 People complain about change59:42 Believers and non-believers1:04:09 Equity and bonus controversy1:08:40 Big swings and going public1:14:15 Control in unpredictability1:18:04 Living in a pixel1:19:52 Meditate, sleep, diet, exercise1:24:36 Mental health and stress1:33:12 Who Brex is hiring1:33:49 What "grit" means to Pedro1:34:39 OutroMentioned in this episode: Silicon Valley, Facebook, Meta Platforms, Inc., Mark Zuckerberg, Mastercard, Rio de Janeiro, iPhone, Bill Gates, Tim Urban, Jony Ive, Apple Inc., LinkedIn, Salesforce, Brian Chesky, Airbnb, Anthropic Claude, Cursor, Codeium Windsurf, Cognition Labs Devin, Vercel, Retool AI, Amplitude, Spenser Skates, Elon Musk, Tesla, Inc.Links:Connect with Pedro:XLinkedInConnect with Joubin:XLinkedInEmail: grit@kleinerperkins.comThis episode was produced by Kleiner Perkins and edited by IQvideo.The trailer and distribution for this episode were handled by Atomik Growth.Learn more about Kleiner Perkins

Live from Transform 2025 in Las Vegas! I am excited to welcome Tubi's people leaders, Natasha Valani & Cristina Navarro. Natasha Valani serves as the Senior Vice President of Human Resources for Tubi Media Group at Fox Corporation. In her role, she oversees talent management, performance, recruitment, culture & belonging, as well as the overall employee experience. Since joining Fox, Natasha has significantly contributed to increasing the diversity pipeline within the Technology sector and acts as a sponsor for the Women in Tech employee resource group, aimed at advancing, empowering, and connecting women technologists. She brings a wealth of experience from her previous roles in talent management and development at several Fortune 500 companies, including Mastercard and Aon. At Mastercard, she was instrumental in transforming performance management, leadership development, and employee engagement efforts. Excellence Award in 2017 for introducing both innovation and purpose to the development Christina Navarro is the Head of Global TA @ Tubi. She believes that great teams are the heartbeat of every successful company. Nothing excites her more than helping businesses grow by connecting them with the right people—and helping individuals find roles where they can thrive. She has built her career leading talent acquisition across tech and consumer services, with roots in agency recruiting supporting a range of industries. She is passionate about structured hiring, employer branding, and talent technology—anything that helps teams hire smarter, move faster, and deliver an exceptional experience for both candidates and leaders. In this impactful conversation, we dig into: - What most companies get wrong about talent development, and how can they create real impact? - What are the biggest barriers to diversity in tech, and what strategies truly drive change? - How can leaders foster a ‘learn it all' culture in fast-paced environments like Tubi? - How have they kept up with that and how do they manage to scale responsibly? - Latest TA trends and more! Learn more about Tubi: https://tubitv.com/ Connect with Natasha: https://www.linkedin.com/in/natasha-valani-1758a418/ Connect with Christina: https://www.linkedin.com/in/cristinaynavarro/ Live from Transform 2025, we're bringing you an exclusive podcast series packed with insights from some of the brightest minds in hiring, talent strategy, and workforce transformation! In this series, we've got incredible guests from Okta, Tubi, Edelman, Greenhouse, Findem, and more, sharing how top organizations are rethinking hiring, culture, and talent acquisition in today's fast-changing world. Greenhouse combines a structured, data-driven hiring approach with AI-embedded workflows that empower recruiters to focus on strategic, high-impact work. From sourcing top talent to personalizing the candidate experience, Greenhouse streamlines and optimizes the entire hiring process. This ensures that every hire is the right hire—eliminating bias, creating fairness, and helping teams make smarter, faster decisions. Over 7,500 companies, including HubSpot, Duolingo, and J.D. Power, trust Greenhouse to build better teams and turn talent into a strategic advantage. Want to learn how today's top companies are winning the talent game? Tune in now and visit Greenhouse.com to transform the way you hire. Thanks for listening. Please follow us on Instagram @NHPTalent and X @AdamJPosner. Visit www.thePOZcast.com for all episodes

Jill Cress, Chief Marketing and Experience Officer at H&R Block, is a visionary marketer with 30+ years of experience in financial services, media, and tech. She's led brand transformations at PayPal, National Geographic, and MasterCard and now focuses on modernizing H&R Block, enhancing customer experience, and driving growth. Recognized as one of the world's top CMOs, Jill excels at connecting brands with consumers in meaningful ways. About Jill Cress Jill Cress is an innovative marketer and strategist who pushes boundaries as the Chief Marketing and Experience Officer for H&R Block. She leads a dynamic team invested in transforming customer experience, modernizing and infusing its brand into highly relevant channels, and amplifying strategic marketing and communications efforts to deliver growth. For more than 30 years, Cress has honed her skills as a strategic and passionate consumer, B2B marketer, and experience strategist with deep expertise in financial services, media and technology. She has held leadership roles across marketing, general management, product and enterprise strategy at leading Fortune 500 Companies. Prior to H&R Block, Cress served as vice president of brand marketing for PayPal, where she also had responsibility for all Venmo marketing. She was also the chief marketing and communications officer at National Geographic Partners and served for more than 20 years at MasterCard Worldwide. There, she held executive leadership roles in strategy and marketing and served as country general manager for the United Kingdom and Ireland. Cress serves on the boards of the Ad Council and the Wealth Enhancement Group, an independent wealth management firm overseeing more than $96 billion in client assets. She has been recognized for numerous accolades, including Adweek's inaugural Marketing Vanguard list, New York Women in Communications' Matrix Award Honoree, Business Insider's 25 Most Innovative CMOs, Forbes' World's 50 Most Influential CMOs, the CMO Next List, and the Entrepreneurial CMO 50. Cress holds a bachelor's degree from the Kelley School of Business at Indiana University. She is a self-described “explorer at heart” who loves experiencing new places and brands that connect with consumers in exciting ways. A resident of New York, Cress enjoys spending free time exploring the city and travelling the world with her husband, Todd, and daughter Beatrix. From the Show What brand has made Jill smile recently? Jill shared a recent “morning after the Oscars” smile from McDonald's, when the fast food brand shared what winners like Kieran Culkin might order after their big night. Connect with Jill on LinkedIn and check out the H&R Block website. As We Wrap … Listen and subscribe at  Apple Podcasts, Spotify, Amazon/Audible, Google Play, Stitcher, TuneIn, iHeart, YouTube, and RSS. Rate and review the show—If you like what you're hearing, be sure to head over to Apple Podcasts and click the 5-star button to rate the show. And, if you have a few extra seconds, write a couple of sentences and submit a review to help others find the show. Did you hear something you liked on this episode or another? Do you have a question you'd like our guests to answer? Let me know on Twitter using the hashtag #OnBrandPodcast and you may just hear your thoughts here on the show. On Brand is a part of the Marketing Podcast Network.  Until next week, I'll see you on the Internet! Learn more about your ad choices. Visit megaphone.fm/adchoices

Die „Better Than Cash Alliance“ („Besser-als-Bargeld-Bündnis“) ist eine von US-basierten globalen Finanzkonzernen und Stiftungen gegründete Lobbygruppe, deren Zielsetzung nach eigener Aussage darin besteht, „den Übergang von Bargeld zu digitalen Zahlungen zu beschleunigen“. Als zentrale Ressourcenpartner der Alliance werden aktuell die Gates-Stiftung, Mastercard und das Bundesministerium für wirtschaftliche Zusammenarbeit und Entwicklung (BMZ) aufgeführt. Daneben sind nochWeiterlesen

Today we are taking a look at the difference between DPO and CPO roles in the US, the present and future impact of Privacy Tech in the management of privacy programs, the evolution of privacy regulation under the new US administration, and a potential Schrems III scenario.  Andy Dale serves as General Counsel and Chief Privacy Officer at OpenAP and holds the position of Executive Board Member at The L Suite (TechGC). With extensive experience as an advisor to various companies, Andy previously worked as General Counsel and Chief Privacy Officer at Alyce, a company acquired by Sendoso in 2024, and as General Counsel and VP of Global Data Privacy at SessionM, which was acquired by Mastercard in 2019. Andy Dale earned a JD in Law from the University of Baltimore School of Law (2003-2006) and a degree from Colgate University (1996-2000). References:  Andy Dale on LinkedIn The Data Protection Breakfast Club podcast on Spotify Brian Focht: Can the American Privacy Rights Act find a path to survival? (Masters of Privacy) Amy Worley on the American Privacy Rights Act (Masters of Privacy) Molly Martinson on state-level comprehensive privacy laws (Masters of Privacy)

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

Kiera shares exactly how Dental A-Team helped a practice with over $2 million in accounts receivable break even — and learn how to never fall behind again. Episode resources: Sign up for Dental A-Team's Virtual Summit 2025! Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Kiera Dent (00:01.848) Hello, Dental A Team listeners. This is Kiera and welcome to the podcast. I hope today you are truly just so happy. I hope that you are honestly just living your best life and I hope you know that you're truly doing better than you think you are. So you guys, this is where we are. We're here to help you. Dental A Team is obsessed about helping you and your team thrive. To be able to give you guys the guidance that you need to navigate the challenges that we have in dentistry. so welcome. This is what I'm obsessed with. I hope that you just know that I   I truly love and adore this podcast family. I'm so grateful for you. I'm grateful for you sharing this with your friends. I love, love, love seeing you tag us when you're driving to work or listening in the car or taking us on a road trip. And my goal is to be always something of value for you on this podcast that you can go and implement immediately to make your life and your practice even better. For those of you new, welcome. For those of you who are OGs, welcome. I'm so happy to have you here. As always, please.   like and subscribe and leave reviews for our podcast. That way we can reach all the practices truly out there. Right now we have impacted several, but I know there's thousands of other practices that we could reach and guide. And the only way I can do that is through your help of sharing this. So as always, if you've shared, thank you. I just gave you a high five or a hug to say thank you. And I'm so glad that you're here. All right. Today I'm going to give you some quick tacticals on some billing help.   how to handle old balances. think old balances are just annoying and I help practices with this all the time. Just to give you a little story, I kind of like stories on podcasts. I'm usually I'm here to rattle and roll and today I want to just take you down a little bit of memory lane. But there was a practice who reached out to us and wanted us to be a consultant for them and asked us to help them with their billing department. And I was like, all right, sure, like we do this. I'm more than happy to help you out. Let me know what you need. And this practice said,   Well, Kiera, our over 90 and our total amount is about 2 million. And I was like, that's all right. It's not the worst I've ever seen. Tell me a little bit more. And they said, we literally have no handle on what we're doing with billing. And I was like, fantastic. So we got on. We started working with, they had a few different practices, 2 million. Could you imagine? Like, this is why I get paid what I get paid. Because we go and we find these little money holes in the practice and we patch them up.   Kiera Dent (02:20.622) and we're able to add all this money back into your practice and to help you put systems into place so this doesn't happen again. I think that's the biggest thing is let's make sure this does not happen again. And so with this practice, what we ended up doing was we started checking in Trulie every single week with this billing team. We created spreadsheets. We had them download the AR.   We prioritize which balances for them to go after first. And then we started like just chipping away at it. And we were heavy on our accountability. You better believe that I was hot to try on this practice. And it was every single week I was getting a report and update how many claims that they worked through. We looked to see, I think we had over 5,000 accounts to go through. So what we did is we said, all right, I'm gonna grab my calculator. I don't know off the top of my head. We said, all right, 5,000 accounts. We are working 20 days.   That means we need to get through 250 accounts per day. We had three people working on it. That meant 83 accounts per person. Now that's not realistic, right? And so what we did is we took those 5,000 accounts and we did that over three months before we ran a new AR account. That way they could feel like they could get through that because then you have 5,000 charts. We have 60 days to work, right? 20 days times three. And then we had three people working on it that broke it down to about 25 to 30 accounts per day.   that felt a lot more doable. Now remember, a lot of these accounts just needed to have a resubmit from insurance. It was a denied insurance claim because we didn't attach an attachment. Others, we just need to call and collect from a patient. Others, there was more work that needed to be done that we had to dig into. And then there was the dun-dun-dun-dun, old accounts. Like, what do I do with these old balances? We can't collect on them. And so that's really where we started to work. And so with this practice, it took us   Truly, I'm not exaggerating, it was about six months before we started to get a good handle on it. And then like at a year mark, they felt like very confident we were able to get through all the accounts. We had good processes in place. We started collecting when people were coming in the door and that way all those accounts of this billing team looked to see who on the schedule we could collect from. Because that then, instead of just these three people working on it, we also had all of our front office team working on it, all the back office team, we were prepping the route slips.   Kiera Dent (04:33.774) which a lot of billers will tell me that just feels like a waste of time, Kara. I don't want to do that. I don't want to prep these charts. And I think, yeah, but think you probably see, I don't know, 25 to 70 patients per day. And if we could collect on all of those that come through and collect those balances, well, now I'm not having to go and like look for all this stuff everywhere else. I can just get this done like in real time. So again, I'm a person of let's work smarter, not harder. And so this practice started doing that. So that became a system of then we chart prep.   consistently making sure that, my gosh, like let's get all these patients there. We put into a process for the front office to collect at time of service when they checked in. And then we also made sure that we were really good on our treatment estimates to make sure that we didn't get into this hot water. And the reason this office got into hot water is not because they were doing anything wrong, but because this practice did not consistently work there.   their insurance. And so they got all these old accounts, they got all these old balances. And guess what? That's no fun for anybody. That's not fun for the patient. That's not fun for the practice. That's not fun for cashflow. That's not fun for the billers. I mean, gosh, like when I look at 5,000 accounts, I'm like, all right, we got to work. Like we've got our spreadsheet to get through. And so for these practices, I just want you to know that no matter where you are, there's still hope. If we can help you on that, by all means reach out. Even if you're not there yet, like that far.   Let's great, like let's catch it because the ultimate goal is that you have no more than one month's worth of production in your total AR. So if you're producing a hundred thousand, then guess what? I want no more than a hundred thousand in your AR at any given moment. Also, I really watch your over 90 accounts because those can tip to where they're no longer collectible. So what I recommend we do is when I'm working with a billing team is we're going to start with those big balances and then like, let's make a big hit. Like let's do a good impact.   So I have people put it on an Excel spreadsheet. We have it color coded. It's actually so simple. And once billers get into this rhythm and doctors, when you have it, it becomes truly like flawless. It's so beautiful. It's so easy to do. So we put it in there. We sort it. You can use it and sort the list and sort your AR list. So that way I can look usually within your over 90. It's usually held up in like five to 10 accounts. So what we do is we actually go hit those accounts that are going to give us the biggest bang for our buck and our time.   Kiera Dent (06:48.238) and we're gonna go try and collect on those accounts, figure out what's going on with those accounts and try to collect. Now, when I have an office that has a lot of really, really, really old balances, there comes a question of, we just write this off as bad debt or do we try to collect? And my opinion is you did the work, let's try and collect whatever we possibly can. So on those offices, I usually send out statements. You'll be shocked at how much you actually can collect from those old balances, that old debt.   And then we go, we try to collect, I usually send one, two or three statements, depending upon the practice and the doctor's choice. I do not think it's aggressive to send three statements. I also call, I'm making sure I call these patients. You can even let them know like, hey, we're updating our system and we noticed there was an outstanding balance. So we needed to get that collected for you. This is the total. And I can take Visa or MasterCard, which do you prefer? Collect right over the phone. It's very simple. I know it feels weird. It's like, my gosh, we were supposed to have collected this a while ago.   Well, high five, we updated our system. Hashtag we updated to actually looking at it is what we're trying to tell people. We should have collected this. We didn't, but now we have a process in place where we do this every week. And then from there, what I like to do is have you guys truly start collecting on those calling. I am amazed at how many practices do not call. Also amazed at how many practices do not have an online payment portion. Well, that's a really easy way to get old balances. Cause if you're expecting them to call during working hours or send you a check,   or write their credit card on a little piece of paper and send it back to you. Well, we've just made it to where it's like so much of a time delay. Why not just have them get on the phone, get on a call with you and start making the outbound calls. I just gave you the script, use that for your team. That's how we start to work with these old balances. So now we've tried to collect everything. We're working on it. I also am very sticky that our billers are working at least two days a week. Billers, I'm going to tell you, you can work more efficiently. And I say that with grace and love and a hug.   Because I don't want you working on this all the time. What I want you doing is I want you clumping things together, clumping insurance plans together, looking for all the patients that I can call, working A to J and then my, what is it? JK, K to Z. So we work those every other week. We're sending out statements, we're sending out text messages, and we have a rhythm. I have a billing calendar that I share with offices so that way we don't get off track. Yeah, you're going to have some hard work to do at the beginning, but once we get this on track and we have a system, guess what? You'll have to work on it like two days a week.   Kiera Dent (09:08.75) It really does cut down time and doctors, just so you know, again, that's pending upon the size of the practice. When we have multi-offices, it's a full-time job. When we're at one practice, one provider, it should be a two-day job for billing. Now billers might hear this and they might be angry with me. Billers, I'm saying that not because I think that you are doing things wrong. I'm just saying that most offices can do it that way. So let's give you the efficiency tips. Let's help you out. Let's make sure that you're able to do it too. That way you're able to...   Do this in the most effective and efficient way as possible. My goal is to not waste time. Let's not waste time on hard things, but let's actually do things that are fun. You can also outsource this to third party companies as well. That can also help. They're working. They're hugely less expensive. So if you're struggling with billing, those are some solutions. So I promise you old balances. We've now gone through, we've done all this. We still have debt.   We still have these balances that we can't collect. We've sent out our three statements. We've been contacting them. We've called them three times. This has also been documented in their ledger. So we know it's really been done. Doctors, can run reports when it's documented. I usually do made up codes for these, but that way doctors, can run reports to see how many of these procedures are actually being, or how many of these calls are being done consistently. okay. Now it's a choice. You have choices. So depending on how old it is, what I usually like to do is I run my AR report.   And then doctors, it's your decision here. I'm not going to tell you what to write off. All this money is technically owed to you. You did the work, so you get to decide what you want to do. I'll tell you my preference and I'll tell you what I usually recommend. But at the same time, this is your money and I want you to know you are entitled to every single penny that has been billed in the practice. I usually recommend anything below $20. If we can't collect it, it's not there. There's no way for us to collect it. Just write it all off. I also like to do this at a strategic time point.   where it's probably at end of year or end of quarter. So that way I know at this point in time, I wrote off all this bad debt because then we can move forward and we know that was like a bad time. We're never doing it again, but this was my one time. So anything $10 or less, $20 or less, just write that off, get that out of the accounts. It's gonna clear up quite a few accounts for you. Then, well, and before we do that, we've tried to collect also any person who has a balance on their account.   Kiera Dent (11:27.79) I don't usually think sending someone to collections over $20, that's not my jam. I'm not usually a big proponent of collections, but again, every penny is entitled to you. So you decide what's best for you. So we write it off and then from there we get to start deciding what we're gonna do. Are we gonna call these patients and do a 50-50 split with them to where if they pay 50 % today, we're then gonna write off the additional 50%, but most likely they're probably not welcome back in the practice. Are we going to send them to collections?   Are we just going to say these balances are never going to be collected? And we like pick through them and decide, but doctors, once we have this bad debt, it's your decision to decide what are you going to do with it? Look to see how much it's there. Look to see how much we've contacted them, called them. Can we do anything else? And then we really get to decide, we write this off? Now, if you do write it off for bad debt, it does need to be adjusted off. There needs to be a note on that practice, on that patient. And that patient does not get to come back to the practice until they've paid their debt. Let's not get ourselves back into hot water.   but that's how we're gonna handle these old balances. And I know this feels like icky sticky, but when we get to this, like that practice, we worked on it six months, eight months, nine months. At the end of the year, we decided, we showed the doctor, we said, this is all, this is everything we've collected from this 2 million pile of these 5,000 accounts. And here we are. And I think we ended up writing off about $50,000 at the end of it, which that feels like a bad day, but $50,000 out of 2 million, I think they did a really, really great job.   We had bad systems in place. We didn't have people collecting consistently. And that was the reality of where we got. But they then moved forward and we made sure we were at 98 % collections. We kept that claim amount low. We kept our AR low. We made sure we never got over one month's worth of AR ever again. And this practice is happy skipping along, but it was hard work. So I want you to know that it is tricky, but it is doable. And this is hopefully a quick tip for you of how you're able to handle those balances.   Now there's a lot of other pieces, there's a lot of other options, there's a lot of different things. I just kind of gave you a highlight reel today that hopefully will take you through to see, all right, what is my AR? Am I at one month or less of my AR? What are my highest balances? And what are my oldest balances? Can I get those collected? And then what do I need to start writing off? So those would be some of my quick highlight tips for you to get started. You know at Dental A Team, our passion is making sure that you are so successful.   Kiera Dent (13:44.76) that you're able to have the know-how, the things that you need to do, the things that will make you the most successful, and also the less stressed, and also to help your team, because I know doctors, you're not taught this in dental school, this is really tricky, and so this is what we're able to do. We're able to work with your billing team, we're able to work with your teammates, and the entire practice, including yourself, to understand A, what is the process, B, how do we get ourselves out of this mess, C, how do we never get there again, and D, how do we make sure that this is something that...   literally becomes a system that is forever running rather than something that's person dependent. So that's what we're about. If that resonates with you, I'd love to hear from you. Hello@TheDentalATeam.com or just go to our website and click on a call or DMS. Either way, I'm happy to help you. If you're in a billing sticky spot, I'm happy to assess it with you, give you some free guidance, get you on your way, but always reach out. Hello@TheDentalATeam.com And as always, thanks for listening and I'll catch you next time on The Dental A Team Podcast.

Payal Dalal, Executive Vice President of Global Programs at the Mastercard Center for Inclusive Growth, and Deval Sanghavi, Co-founder and Partner at Dasra, speak with Aleks Berditchevskaia, Principal Researcher, Nesta Centre for Collective Intelligence Design, about the Center's Artificial Intelligence to Accelerate Inclusion Challenge, a global call for AI solutions to accelerate inclusion and economic empowerment. Dasra is a funding partner of the AI Challenge, and Dasra's other co-founder, Neera Nundy, participated as a judge for the Challenge. Done in partnership with data.org, the winners were announced in December 2024: https://newsroom.mastercard.com/news/press/2024/december/mastercard-center-for-inclusive-growth-and-data-org-announce-ai2ai-challenge-awardees/ In this Humanitarian AI Today podcast episode, guest hosted by Aleks Berditchevskaia, Payal and Deval speak in depth about the challenge, this year's five winners, and share their takeaways and learnings from the challenge and global submission process. Payal and Deval emphasize the importance of bringing partners together to organize and support these kinds of challenges and accelerators, which help source innovations and advance participatory approaches to technology development. They highlight the speed at which the technology sector is advancing and offer advice on keeping pace with, and adapting to, challenges and opportunities that are emerging. More about the Center's work and its upcoming Global Inclusive Growth Summit, taking place on April 24th in Washington D.C., can be found here: https://globalinclusivegrowthsummit.com/

Crypto News: BlackRock officially registers as a crypto asset firm in the UK. USDC issuer Circle Files for IPO. Mastercard is looking for a way for consumers to transact Bitcoin and crypto: Show Sponsor -

Uncertainty around Trump's tariffs has spurred recent market volatility with the broad market index down five out of the past six weeks, Visa bids 100 million dollars to replace Mastercard as Apple's new credit card partner, More on the Wealth Management and Retirement Planning Seminar at Hayes Mansion in San Jose at 6:30pm with CFP's Chad Burton and Ryan Ignacio

If the current bills circulating in the U.S., especially those focused on stablecoins and market structure, are passed, tech giants could finally take the plunge into the crypto world threatening Bank incumbents. Ripple has also just minted a record-breaking 50 million tokens on Ethereum. This is the largest single-batch mint to date by a large margin. ~This Episode is Sponsored By Coinbase~ Buy $50 & Get $50 for getting started on Coinbase➜ https://bit.ly/CBARRON00:00 Intro00:14 Sponsor: Coinbase00:43 Stablecoin Bill Rushed!01:13 CNBC: Visa & Mastercard Dead?02:22 Mastercard Panics!03:02 Senators Against Stablecoin Yields?03:47 Bank Lobby slowing bills04:17 Republicans paid by Banks04:42 Banks & Republicans Argue For More Fees!05:45 People Moving Away From Banks06:06 Josh Hawley voted against06:19 Hawley Grills Visa & Mastercard08:17 Massive Unlock Coming08:49 Ethereum Lowering Fees09:07 Ethereum Flips Solana09:19 Circle Mints USDC09:30 Who Benefits From Cross-Border Payments?11:08 Ripple Prints Record Stablecoins!11:49 XRP & ETH Charts12:13 outro#XRP #Ethereum #xrpnews ~Stablecoins Coming Sooner

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

Uncertainty around Trump's tariffs has spurred recent market volatility with the broad market index down five out of the past six weeks, Visa bids 100 million dollars to replace Mastercard as Apple's new credit card partner, More on the Wealth Management and Retirement Planning Seminar at Hayes Mansion in San Jose at 6:30pm with CFP's Chad Burton and Ryan IgnacioSee omnystudio.com/listener for privacy information.

En el episodio de hoy de VG Daily, Andre Dos Santos y Juan Manuel de los Reyes analizan tres temas que están marcando la agenda económica y empresarial global. En primer lugar, desglosan el reciente reporte de empleo de ADP, que mostró un crecimiento de 155,000 empleos en marzo, destacando los sectores más dinámicos y las señales que envía sobre la economía estadounidense.Luego, profundizan en las tensiones comerciales entre Walmart y sus proveedores chinos. La empresa está exigiendo reducciones del 10% en los precios para compensar los aranceles impuestos por Estados Unidos, lo que refleja las complejidades de la guerra comercial y su impacto en las cadenas de suministro globales.Finalmente, exploran la oferta de Visa para reemplazar a Mastercard como socio exclusivo en la Apple Card. Analizan las razones detrás de la salida de Goldman Sachs del negocio minorista, las pérdidas acumuladas a pesar del éxito de la tarjeta, y cómo este movimiento recuerda el histórico acuerdo entre Visa y Costco hace una década. 

Plus, Meta's AI research chief resigns. And Apple's credit card spurs a costly battle among payment networks Visa, Amex and Mastercard. Victoria Craig hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, we explore Fasanara's approach to trading—how they identify inefficiencies, their evolving strategies, and what's next for their platform. We also break down the latest market trends, including perp funding rates, ETF flows, and COIN50 index performance.Beyond markets, we dive into macro updates, covering Tariff Liberation Day on April 2nd, weaker JOLTs numbers, and expectations for non-farm payrolls. In  tokenization developments, we discuss Visa's Tokenized Asset Platform, Mastercard's blockchain-powered payment network, and the evolving stablecoin landscape.In the onchain section, we track TVL changes across major protocols, Ethereum's DEX dominance over Solana, and Walrus Storage's mainnet launch. Finally, we highlight key upcoming catalysts, including the FTX claims process starting on May 30th and broader market implications.Topics Covered:Fasanara's Trading Strategies: How they identify market inefficiencies and their future plans.Market Update: Perp funding rates, ETF flows, and technical levels for BTC, ETH & key indices.Macro Outlook: Liberation Day impact, JOLTs data, and Non-Farm Payrolls expectations.Regulatory & Industry News: Visa's tokenization plans, Mastercard's blockchain network, and stablecoin legislation.Onchain Insights: TVL shifts, Ethereum vs. Solana DEX volumes, and Walrus Storage live on mainnet.Upcoming Catalysts: Tariff Liberation Day (April 2nd) and FTX large claims process (May 30th).Host: Ben Floyd, Head of Execution ServicesSpecial Guest:Alessandro Balata, Partner and Portfolio Manager at Fasanara DigitalSpeakers:David Duong, Head of Institutional ResearchDavid Han, Research AnalystGeorg Toropov, Senior CES Sales TraderLinks:Coinbase Derivatives, LLC now offers CFTC-regulated futures for Natural Gas and Cardano $ADACoinbase open-sources our multiparty computation (MPC) cryptography library, setting a new industry benchmark for cryptographic transparency.Greg Tusar, Coinbase Head of Institutional Product joins Capital Decanted discuss whether a pro-crypto US administration will spur increased institutional adoption in the world's largest market.Max Branzburg, head of consumer talks about how crypto has evolved on the Tear Sheet PodcastCoinbase Institutional Research

This episode is brought to us by Mastercard.The financial world is changing fast, and as we enter the 10th year of So Money, one of my goals is to keep us updated on the latest innovations and technology shaping our money world…to help you understand what's coming, why it matters, and how you can leverage these changes to improve your financial life.Let me start with a quick thought: what if we had the power to unlock opportunities by using our own data — to switch direct deposits in minutes, get faster loans, or use your rent history to build credit?This is where one of the newest innovations in the finance world enters the picture. It's called open banking and it's transforming the financial ecosystem.Joining me today is someone who is at the forefront of opening banking: Jess Turner, EVP and Global Head of Open Banking and API at Mastercard. Listen as Jess breaks down what open banking is, why it's the thread tying together this new financial world, and how it's transforming the way we borrow, save, and spend.To learn more about Open Banking, visit this comprehensive guide.

Ondo Finance has all the looks of the next top 20 crypto coin. When you see a project working with BlackRock, Trump, World Liberty Finance, Mastercard, and more, you take notice. There may not be a more legit and globally disruptive blockchain company than Ondo. When you learn about what they have in store for us, it will blow your mind.

In this episode of Visual Intonation, we delve into the captivating stories of two pioneering Ghanaian artists whose work has redefined the African visual arts landscape: Andy Madjitey and John Kwame Markin. These two visionaries have not only mastered the art of storytelling through photography and cinematography, but they have also been at the forefront of blending traditional African narratives with modern-day creativity, shaping the future of African visual culture.  Andy Madjitey's journey began on the streets of Accra, where his love for photography first took root. His camera became his passport to capturing the vibrant, raw energy of the Ghanaian youth, offering a glimpse into the pulse of the city. But Andy's story didn't stop there. His passion for visual storytelling evolved into filmmaking, where he merged his photographic skills with the art of narrative video. Andy's ability to seamlessly blend the old and the new, the traditional and the modern, became the hallmark of his work, allowing him to create content that resonates on a deeper, more personal level.  His collaborations have brought him into contact with some of the biggest names in the industry. From his groundbreaking work on 'Palmwine Diaries' to his experimental short 'Gbonyo Party' in 2023, Andy's work spans genres and challenges conventions. At the helm of La Scène Grande Studios, Andy has become a mentor and a leader in his community, creating a platform for emerging creatives and amplifying voices often left unheard. His collaborations with brands and artists across Africa, and his global connections to storytellers like Melina Matsoukas—known for her work on 'Formation' by Beyoncé and 'We Found Love' by Rihanna—reflect Andy's ever-expanding influence in both African and international creative circles.  Central to Andy's creative journey are the mentors who have shaped his vision, including Nana Kofi Asihene, who recognized Andy's potential from the start, and Wanlov, whose resourceful, gear-agnostic approach to filmmaking continues to inspire Andy's own work. These relationships, alongside his extensive experience, have propelled Andy into the spotlight as a key figure in the African filmmaking scene, where he continues to push boundaries and redefine the role of cinema in exploring complex social themes like identity, community, and tradition.  On the other hand, John Kwame Markin, known in the industry as KwameBlack, is a cinematographer and director who has built a reputation for creating some of the most visually stunning and technically sophisticated work in the industry. With over a decade of experience, John has worked on a diverse range of projects, both locally and internationally, collaborating with directors, brands, and creative teams to bring their visions to life. His exceptional eye for detail and his expertise in lighting, composition, and camera movement have made him one of the most sought-after cinematographers in Ghana.  John's professional journey has been marked by his work on a variety of high-profile projects, including commercials for global brands like Google, Nestlé, and Mastercard, as well as critically acclaimed films. His partnership with Andy Madjitey on several projects, includiSupport the showVisual Intonation Website: https://www.visualintonations.com/Visual Intonation Instagram: https://www.instagram.com/visualintonation/Vante Gregory's Website: vantegregory.comVante Gregory's Instagram: https://www.instagram.com/directedbyvante/ To support me on Patreon (thank you): patreon.com/visualintonations Tiktok: www.tiktok.com/@visualintonation Tiktok: www.tiktok.com/@directedbyvante

What happens when a star chemical engineering student from India becomes one of the world's most lauded marketers? In this episode of The Courageous Podcast, Raja Rajamannar reveals how a serendipitous moment shifted him from scientific problem-solver to “accidental marketer,” igniting a diverse career that has spanned financial services, consumer-packaged goods, and healthcare at powerhouses including Unilever, Citigroup, Anthem, and Mastercard. Raja currently serves as Mastercard's Chief Marketing & Communications Officer and Founding President of its healthcare business. His accolades include Global Marketer of the Year by the World Federation of Advertisers, top 5 “World's Most Influential CMOs” by Forbes, top 10 “World's Most Innovative CMOs” by Business Insider, and induction into The Advertising Hall of Fame. Raja is also a Wall Street Journal-bestselling author, known for his book “Quantum Marketing: Mastering the New Marketing Mindset for Tomorrow's Consumers”.

We're excited to sit down with Gastón Tourn, the Chief Growth Officer of Oddbox, a subscription service rescuing produce that would otherwise go to waste. In this conversation, Gastón dives into the importance of genuine storytelling, the fascinating psychology behind “Veg Haters,” and why focusing on customer insight (rather than competitors) unlocks true growth potential.One of the key takeaways from this episode is Gastón's belief that marketers should read fiction writers—like Hemingway—to understand storytelling frameworks that connect on a deeper human level. Another recurring theme is his approach to balancing long-term brand-building with short-term performance—a common challenge for any marketer who needs to do “more with less.” If you've ever wondered how to turn customer complaints into an engaging campaign, or if you simply love the idea of “ugly” fruits and veggies saving the world, then this episode is for you!Watch the video version of this podcast on Youtube ▶️: https://youtu.be/DWQzGdyFj-U    

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

Le paiement numérique est de plus en plus répandu sur le continent. Paiement sans contact, paiement en ligne, transferts d'argent : « Les entreprises et les consommateurs adoptent de plus en plus ces solutions, pointe le site d'information malien Malijet. L'économie des paiements numériques en Afrique est appelée à se développer de plus en plus, selon un rapport commandé par Mastercard, qui indique que ces paiements devraient atteindre 1,5 milliard de dollars d'ici à 2030. » Autre chiffre fourni par Malijet : « Selon la Banque mondiale, l'Afrique a effectué environ 100 milliards de dollars de transferts de fonds en 2023, ce qui représente environ 6 % du PIB du continent. »Les commerçants impactés par des taxesAlors certains États ont décidé de taxer ces mouvements de fonds, dont le Mali. En effet, note Sahel Tribune, autre site malien, « le gouvernement a récemment instauré plusieurs taxes qui affectent directement les consommateurs et les acteurs du commerce digital, créant ainsi un impact considérable sur l'économie numérique. Parmi les principales mesures, on note une taxe de 10 % sur les recharges téléphoniques, qui réduit directement le montant crédité aux utilisateurs. Par exemple, une recharge de 1 000 francs CFA ne crédite plus que 900 FCFA, ce qui pénalise les utilisateurs réguliers de services mobiles. De plus, une taxe de 1 % sur les retraits via mobile money a été introduite, rendant les transactions financières plus coûteuses pour les commerçants et les consommateurs. »Résultat, pointe encore Sahel Tribune, « depuis l'entrée en vigueur des nouvelles taxes sur les télécommunications au Mali, de nombreux commerçants en ligne peinent à joindre les deux bouts ».Les consommateurs pénalisés égalementLes consommateurs, également, sont pénalisés. « L'introduction récente de la taxe de 10 % sur les recharges et de 1 % sur les retraits suscite une vive controverse parmi les utilisateurs, relève Mali Actu. Si le gouvernement justifie ces mesures par la nécessité de renforcer les finances publiques pour investir dans des infrastructures, de nombreux Maliens y voient une charge supplémentaire pesant sur leur pouvoir d'achat, déjà fragilisé par le contexte économique. Le débat fait rage, pointe encore le site malien : ces taxes sont-elles un mal nécessaire pour le développement, ou risquent-elles de freiner l'essor du mobile money ? »Et attention, prévient encore Mali Actu, « cette hausse des coûts pourrait inciter certains consommateurs à se tourner à nouveau vers les paiements en espèces ou les circuits informels. Si cette réaction est compréhensible, elle n'est pas sans risque, exposant les utilisateurs à des fraudes et à un manque de recours en cas de litige. L'expérience d'autres pays africains ayant instauré des taxes similaires suggère un possible repli temporaire vers l'économie informelle. »À la hussarde ?Le National, toujours à Bamako, hausse le ton : ces « taxations ont été rendues effectives à la hussarde, pour ne pas dire à la force des baïonnettes, en l'espace d'un petit mois, avec des justifications déroutantes. Il a été d'abord prétendu que ces nouvelles taxes serviraient à régler, pour de bon, le problème énervant des coupures de courant. Puis des terminologies savantes sont venues au secours pour expliquer que les produits récoltés serviront à financer des infrastructures indispensables à la souveraineté. »En tout cas, « pour éviter un rejet massif du mobile money, les autorités maliennes ont un rôle clé à jouer, affirme Maliweb. Elles doivent renforcer la communication sur l'utilité de ces taxes et leurs bénéfices pour la population. En expliquant comment ces fonds seront utilisés – amélioration des services publics, digitalisation de l'économie, développement d'infrastructures – elles peuvent apaiser les craintes et encourager l'adhésion. »Priorité aux dépenses de défenseReste que « les militaires au pouvoir à Bamako ne s'attendaient sûrement pas à ce qu'une nouvelle taxe devienne un tel sujet de crispation », relève pour sa part Le Monde Afrique. « Le sujet est à la Une des journaux et dans la bouche des commentateurs, remettant en tête des préoccupations le sujet lancinant du coût de la vie. (…) Les partis politiques sont également mobilisés. » De leur côté, les militaires sont à la recherche de financements : « la défense continue de mobiliser le quart des dépenses publiques, note encore Le Monde Afrique. Et cette année, le budget de l'Agence nationale de la sécurité d'État, les services de renseignement, augmente encore ».

 Our teacher today is Chad Cascarilla, co founder and CEO of Paxos, the leading regulated blockchain infrastructure company that is reimagining a complete technological replatforming of our global financial markets. Paxos aims to democratize finance by enabling instant global asset movement, partnering with industry leaders like PayPal, Stripe, MasterCard, and others. For those confused by crypto speculation, Chad offers a grounded perspective on blockchain's potential to solve fundamental financial system problems—informed by his experience as an early Bitcoin adopter who started buying at just three cents. This conversation was a ton of fun for us, mainly because Chad is one of the most fascinating and compelling people we've had the privilege of knowing and learning from.He's a highly introspective, integrated, and ridiculously well read thinker and someone who just gets a lot of stuff done. He's a skeptic and a dreamer, a rigorous research analyst and a visionary builde, an aspiring mystic and an absolute animal. Please enjoy our conversation with Chad Cascarilla.  For the full show notes, transcript, and links to mentioned content, check out the episode page here. ----- This episode is brought to you by EightSleep, the temperature-controlled mattress cover that heats or cools your mattress to transform your sleep. The Pod 4 Ultra is the new gold standard in intelligent sleep systems. It can be added to your current mattress like a fitted sheet and is been clinically proven to give you up to an hour more quality of sleep every night. The cooling capability can cool your side of the bed to 20 degrees below room temperature, all managed by the pod's autopilot feature, which adjusts the temperature throughout the night. Go to eightsleep.com/joys for $350 off.  —-- Joys of Compounding is a property of Pine Grove Studios in collaboration with Colossus, LLC. For more episodes of Joys of Compounding, visit joincolossus.com/episodes.  Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Follow us on Twitter: @Buhrman_Rick  | @PaulBuser | @JoinColossus Show Notes (00:00:00) Welcome to Joys of Compounding (00:05:32) Chad's Early Life and Career (00:09:50) The Journey to Notre Dame (00:19:45) The Path to Wall Street (00:27:16) Launching Cedar Hill (00:35:30) Navigating the Financial Crisis (00:46:35) Notable Companies and the Origin of Paxos (00:48:34) Creating Liberty City Ventures (00:54:55) Challenges in Financial Services (00:59:21) The Promise of Blockchain (01:10:59) Regulatory Landscape and Future Prospects (01:21:51) Advice for Consumers, Companies, and Investors

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In the latest edition of Omni Talk's Retail Fast Five, sponsored by the A&M Consumer and Retail Group, Mirakl, Simbe, Infios and Ocampo Capital Chris Walton and Anne Mezzenga discuss: Walmart going all-in with Klarna as its sole Buy Now, Pay Later provider—ditching Affirm and integrating BNPL into its OnePay FinTech app. Chris and Anne explore why this is more than a simple switch, and how it positions Walmart to become a dominant force in payments. (0:03) – Walmart drops Affirm, partners exclusively with Klarna for BNPL (0:30) – Klarna to underwrite loans, Walmart's OnePay to handle customer experience (1:10) – Walmart's OnePay valued at $2B+ with $200M in annual revenue (1:54) – Why Walmart's customers won't notice a difference—and why that matters (2:26) – Klarna's global reach gives Walmart valuable data and fraud prevention potential (3:06) – Is BNPL becoming the next Visa or Mastercard for retail? (3:24) – Walmart's strategy: Growth through ownership of payment capabilities (4:26) – Signing up is shockingly easy—Chris's experience and $60 in credits (4:42) – Walmart's long game: becoming the “payment conduit for America” (5:08) – Why simplicity and trust in one provider can be more powerful than choice With millions of daily shoppers, Walmart's bet on Klarna and OnePay could reshape how Americans pay. Will other retailers follow suit? For the full episode head here: https://youtu.be/K-LainhQQyY #walmart #klarna #buynowpaylater #retailtech #retailinnovation #retailtech

"Get the main menu music worked out!" In this captivating episode of Recording Studio Rockstars, host Lij Shaw sits down with the talented music director and game audio specialist, Steve Pardo. They dive into Steve's journey from jazz musician to game composer, sharing his insights on the creative process and collaboration in the industry. Steve passionately discusses how to get the main menu music just right, the magic of mixing in Dolby Atmos for gaming, and why the saxophone shines with guitar pedals. From Unreal Engine to Apple Logic Pro X, he offers tips on creating huge sounds in a small studio, all while highlighting the significance of live instruments in modern production. Don't miss this lively conversation that blends nostalgia with cutting-edge techniques, and get inspired to embrace the future of music and gaming! Get access to FREE mixing mini-course: https://MixMasterBundle.com My guest today is Steve Pardo, a music director, and game audio specialist with over 15 years of experience crafting immersive music and sound for award-winning games and globally recognized franchises. Steve is the co-founder of SkewSound, Composer and Music Manager at ProbablyMonsters, and an active performing artist based in Nashville, TN. Steve's career began at the legendary Harmonix Music Systems, where he worked on iconic titles like Rock Band VR, Dance Central, and Fantasia: Music Evolved. He has since contributed to games such as Fortnite Festival, Cypher 007, Moonbreaker, and Signs of the Sojourner. His music also appears on platforms like Netflix, Adult Swim, and IFC, and he's collaborated on cutting-edge projects involving generative and AI-driven music for companies like Mastercard, Warner Music, and Tribeca Film Festival. A graduate of the University of Miami, Steve earned both a bachelor's degree in Studio Music and Jazz and a master's degree in Studio Jazz Writing, grounding his creative work in a rich foundation of jazz and orchestration. Steve's Nashville studio is equipped with a 7.1.4 Atmos system, boutique microphones, synthesizers, and more, allowing him to create very cool music in a cozy setting. THANKS TO OUR SPONSORS! http://UltimateMixingMasterclass.com https://www.adam-audio.com https://www.native-instruments.com Use code ROCK10 to get 10% off! https://www.izotope.com Use code ROCK10 to get 10% off! https://roswellproaudio.com/ https://www.makebelievestudio.com/mbsi Get your MBSI plugin here! https://RecordingStudioRockstars.com/Academy  https://www.thetoyboxstudio.com/ Listen to this guest's discography on Spotify: https://open.spotify.com/playlist/704gPYZbCHODON8f0udxJj?si=b90f7dad69164227 If you love the podcast, then please leave a review: https://RSRockstars.com/Review CLICK HERE FOR COMPLETE SHOW NOTES AT: https://RSRockstars.com/497