Podcasts about National bank

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Best podcasts about National bank

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Latest podcast episodes about National bank

Snippets with Leon Goren
Leading Through AI-Driven Change with Skapa Tech's Ryan Casey

Snippets with Leon Goren

Play Episode Listen Later Feb 20, 2026 12:23 Transcription Available


In this Snippets episode, Leon Goren speaks with Ryan Casey, Founder of Skapa Tech, about building practical, results-driven technology solutions. Ryan outlines how Skapa Tech supports enterprises and startups through custom software development, AI consulting, and a focused SaaS product that improves accuracy and efficiency in the construction and utilities sector.Using real client examples, Ryan discusses how leaders can pilot new initiatives, test feasibility, and gain clearer insight into ROI before making significant investments. The conversation also addresses growing concerns about AI and white-collar work, offering a grounded perspective on how technology can enhance performance while leadership judgment and strategic decision-making remain central.Tune in for a thoughtful discussion on innovation, risk, and leading through rapid technological change.Special thanks to National Bank for bringing you today's podcast.

The Pakistan Experience
The future of Digital banking in Pakistan - Adnan Nasir - NBP SVP - #TPE

The Pakistan Experience

Play Episode Listen Later Feb 19, 2026 54:37


Mr. Adnan Nasir is a seasoned professional with over 2 decades of experience in the digital banking and telecom sector. He is SEVP, Group Chief, Digital Banking Group at National Bank of Pakistan.He has also served for Bank Alfalah Ltd, where he served as the Head of Digital Payments. Previously, he was Executive Director at Telenor Bank/Easy paisa, and before that, he held the position of Head of Product Development at Telenor Pakistan. He carries vast experience in driving digital transformation alongside an understanding of people, product, and process optimization for digitalization.The Pakistan Experience is an independently produced podcast looking to tell stories about Pakistan through conversations. Please consider supporting us on Patreon:https://www.patreon.com/thepakistanexperienceTo support the channel:Jazzcash/Easypaisa - 0325 -2982912Patreon.com/thepakistanexperienceAnd Please stay in touch:https://twitter.com/ThePakistanExp1https://www.facebook.com/thepakistanexperiencehttps://instagram.com/thepakistanexpeperienceThe podcast is hosted by comedian and writer, Shehzad Ghias Shaikh. Shehzad is a Fulbright scholar with a Masters in Theatre from Brooklyn College. He is also one of the foremost Stand-up comedians in Pakistan and frequently writes for numerous publications. Instagram.com/shehzadghiasshaikhFacebook.com/Shehzadghias/Twitter.com/shehzad89Join this channel to get access to perks:https://www.youtube.com/channel/UC44l9XMwecN5nSgIF2Dvivg/joinChapters:0:00 The Future of Digital Banking3:26 Whatsapp Banking8:00 QR codes and Cashless21:30 Banks and Financial Apps28:00 Gen-Zs 31:50 Digital Services35:00 Branchless Banking and the Unbanked44:00 Paypak50:00 The future of banking

CruxCasts
i-80 Gold (TSX:IAU) - $500M Secured to Advance Development Plan

CruxCasts

Play Episode Listen Later Feb 16, 2026 15:11


Interview with Richard Young, President & CEO of i-80 Gold Corp.Our previous interview: https://www.cruxinvestor.com/posts/i-80-gold-tsxiau-from-50k-to-600k-oz-annually-in-nevada-miners-six-year-transformation-8964Recording date: 13th February 2026i-80 Gold has completed a $500 million non-dilutive financing package that eliminates a longstanding capital structure overhang and provides the certainty required to advance its three-phase Nevada development plan. The transaction, expected to close by the end of Q1 2026, positions the company to execute across multiple underground mining projects without shareholder dilution.The financing comprises two equal $250 million tranches. Franco-Nevada contributed the first portion through a royalty structure beginning at 1.5% across the portfolio through 2030, escalating to 3% from 2031 onward as production scales. The second tranche consists of a prepaid facility with National Bank and Macquarie Bank, with i-80 Gold pre-selling approximately 40,000 ounces at a net realized price of $3,750 per ounce over a 30-month delivery period.CEO Richard Young emphasized the competitive dynamics that shaped favorable terms, noting the company received five term sheets and three committed offers. This competition proved crucial for securing covenant flexibility rather than pricing optimization, including provisions for working capital facilities and operational adaptability during the production ramp.The financing enables immediate strategic priorities across the portfolio. Granite Creek Underground, currently the company's sole operating mine, processes ore through third-party toll milling that costs $1,000-1,500 per ounce in margin leakage. The Lone Tree autoclave refurbishment, targeted for completion by end of 2027, will eliminate this dependency and capture those margins internally as the second underground mine ramps production through 2026.Most significantly, the package accelerates Mineral Point, the flagship asset and largest resource base. Management allocated $50 million specifically for 2026 resource expansion, pre-feasibility engineering, and initial permitting—work previously deferred pending financing certainty. Young stated that Mineral Point represents the company's most valuable asset, making earlier production timing critical for shareholder value.At current gold prices above $5,000 per ounce, management projects full funding across all three development phases without equity issuance, with potential incremental debt limited to a lower-cost revolving facility. Key 2026-2027 milestones include feasibility studies for Granite Creek and Cove, Archimedes Phase 4 results, and Mineral Point pre-feasibility work.View i-80 Gold's company profile: https://www.cruxinvestor.com/companies/i-80-goldSign up for Crux Investor: https://cruxinvestor.com

Where Should I Invest? Real Estate Investing
Embracing Wellness: Anxiety & Stress Management for Entrepreneurs

Where Should I Invest? Real Estate Investing

Play Episode Listen Later Feb 13, 2026 35:09


In this episode of Where Should I Invest, Sarah Larbi sits down with registered psychotherapist Samir Boulazreg to explore the mental and emotional side of entrepreneurship, investing, and high performance. They unpack how anxiety, depression, perfectionism, and burnout quietly impact ambitious professionals and why waiting for the “perfect time” often keeps people stuck. Samir shares practical frameworks around mindfulness, movement, nutrition, and therapy, and explains why mental health work isn't about “fixing yourself,” but about building awareness and resilience over time. This conversation is especially relevant for entrepreneurs, investors, and high achievers who are building toward financial freedom but struggling to stay present along the way. What You'll Learn: Why most people live in the past and how it fuels anxiety How depression creates a negative feedback loop (and how to interrupt it) Why starting imperfectly beats waiting for the perfect plan The real difference between psychotherapy and life coaching How mindfulness helps regulate high-achieving personalities Why men and first responders often avoid therapy and why that's changing How movement and routine support long-term mental resilience Samir Boulazreg is a registered psychotherapist who works with entrepreneurs, high performers, and first responders. His approach blends evidence-based therapy with practical strategies around mindset, behaviour, and well-being. Samir specializes in helping people manage stress, anxiety, depression, and burnout while building meaningful and sustainable lives. Listen here: https://sarahlarbi.com/podcast-home Contact Samir Boulazreg here: LinkedIn: https://www.linkedin.com/in/samir-boulazreg-001695330/ Website: https://mypsychology.ca/ Instagram: https://www.instagram.com/mypsychology.ca/ This episode has been brought to you in part by: Ryan DeLaurentis, Flip Savvy – https://flipsavvy.ca/ Ryan Carson, Carson Law – https://www.carsonlaw.ca/ or email ryan@carsonlaw.ca Matt Pickering, National Bank matthew.pickering@nbc.ca Do you need help or ideas for your own real estate investing business? Reach out and let us support your journey www.sarahlarbi.com or email sarah@sarahlarbi.com The post Embracing Wellness: Anxiety & Stress Management for Entrepreneurs first appeared on Sarah Larbi Developments.

Growing Kentucky's Leaders: A Podcast by the Kentucky FFA Foundation
Adrienne Correll, The River Foundation and First Southern National Bank

Growing Kentucky's Leaders: A Podcast by the Kentucky FFA Foundation

Play Episode Listen Later Feb 9, 2026 21:37


On this episode of Growing Kentucky's Leaders, Sheldon and Ruth Ann are joined by Adrienne Correll, Executive Director of the River Foundation and board member of First Southern National Bank. Adrienne shares her unique journey from commercial lending to leading a foundation that tithes 10% of the bank's pretax earnings to support Christ-centered ministries locally and globally.Links:First Southern National BankSAE Launch GrantsGive, Save, Spend

Tagesgespräch
Daniel Lampart: «Ich kritisiere die Nationalbank trotzdem»

Tagesgespräch

Play Episode Listen Later Feb 3, 2026 27:36


Die Nationalbank handelt unabhängig von der Politik. Doch Daniel Lampart, Chefökonom des Gewerkschaftsbunds und langjähriger Bankenrat der SNB, sorgt sich, dass der starke Franken immer mehr Arbeitsplätze in der Schweiz vernichtet. Er fordert deshalb von der SNB Gegensteuer und eine klare Haltung. Die Arbeitslosigkeit zieht seit letztem Jahr wieder an. Was macht der Schweizer Wirtschaft am meisten zu schaffen? Die US-Zölle? Die angekündigten Schweizer Investitionen im Ausland? Die Wirtschaftslage in Europa? Der starke Franken? «Wo sind die Investitionsversprechen für die Schweiz?», fragt der Chefökonom des Gewerkschaftsbunds Daniel Lampart mit Blick auf die Milliarden, welche Schweizer Unternehmen in den USA, aber auch in Indien investieren wollen. Wie schaut der Gewerkschaftsbund in die Zukunft? Daniel Lampart ist zu Gast im Tagesgespräch bei Karoline Arn.

ECO Talk
Wie steuern Sie die SNB durch turbulente Zeiten, Herr Schlegel?

ECO Talk

Play Episode Listen Later Feb 2, 2026 36:12


In seinen ersten Monaten als neuer Präsident der Nationalbank hat Martin Schlegel für einige Überraschungen gesorgt. Wie schätzt er die Lage in den USA ein und welche Folgen erwartet er für die Schweiz? Seit mehr als einem Jahr steht Martin Schlegel an der Spitze der Schweizerischen Nationalbank. Er überraschte mit einer deutlichen Zinssenkung, schuf mehr Transparenz im SNB-Direktorium und solidarisierte sich mit seinem Amtskollegen Jerome Powell im Konflikt mit US-Präsident Trump. Weht mit Schlegel also ein neuer Wind an der Spitze der SNB? Welche Folgen haben die Turbulenzen in den USA für die hiesige Konjunktur und den Schweizer Franken? Und was sagt der SNB-Präsident zur Bargeld-Initiative, die bald zur Abstimmung kommt? Das will Eveline Kobler im «Eco Talk» von ihm wissen.

Regionaljournal Aargau Solothurn
Dulliken: Gemeinderat will Begleitgruppe für Haus der Suchthilfe

Regionaljournal Aargau Solothurn

Play Episode Listen Later Jan 29, 2026 5:08


Aus der Dulliker Bevölkerung gibt es Widerstand gegen das begleitete Wohnen für Suchtbetroffene in einem Haus nahe einer Schule. Auch an einem kürzlichen Infoanlass wurde dieser Widerstand deutlich. Der Gemeinderat will nun eine Begleitgruppe bilden und so vorhandene Ängste ernst nehmen. Die weiteren Themen dieser Sendung: · Erfolgreiches Lobbying im Bundeshaus: Bundesrat sieht Sechs-Spur-Ausbau auf der A1 zwischen Aarau-Ost und dem Birrfeld nun doch als prioritäres Projekt. · Kein Leistungslohn für Kantonsrats-Mitglieder: Das Solothurner Kantonsparlament sagt Nein zu einem Vorschlag der SVP und bleibt damit beim bisherigen Entschädigungsmodell. · Nationalbank-Gewinne auch für Olten: Das Stadtparlament unterstützt die Gemeinde-Initiative des Gemeindeverbandes. Diese verlangt, dass künftig die Hälfte der Gewinnausschüttung der Nationalbank an die Solothurner Gemeinden geht. · Neuer Goalie für die Handballer vom HSC Suhr-Aarau

Alles auf Aktien
Die heißesten Davos-Picks & 19 Dividenden-Aktien mit Steuer-Kick

Alles auf Aktien

Play Episode Listen Later Jan 26, 2026 21:09


In der heutigen Folge sprechen die Finanzjournalisten Lea Oetjen und Holger Zschäpitz über Shutdown-Alarm in den USA, neue Zolldrohungen gegen Kanada und was sonst noch wichtig wird in dieser Woche. Außerdem geht es um Intel, Amazon, Volkswagen, ASML, SAP, Apple, Microsoft, Meta, Tesla, Ryanair, Stabilus, Steel Dynamics, Nucor, Ferrovial, Thales, Vinci, Eiffage, Fraport, Accenture, Wipro, Tata Consultancy, C3.ai, Palantir, Standard Chartered, Fujitsu, Cloudflare, CrowdStrike, Dell, Pinterest, Cognizant, Uber, Nasdaq, Qualcomm, Snowflake, Bank of America, Citi, IBM, Cisco, Krka, Ignitis, Shell, BP, HSBC, Diageo, Reckitt Benckiser, Rio Tinto, Imperial Brands, Sage Group, Unilever, Aviva, Phoenix Group, Legal & General, Vale, OPAP, National Bank of Greece, DBS Group, Oversea Chinese Banking Corporation, Singapore Exchange, Jardine Matheson, Invesco, Tokio Marine, CK Infrastructure, EUWAX Gold II (WKN: EWG2LD), VanEck Defense ETF (WKN: A3D9M1), iShares MSCI Canada ETF (WKN: A0YEDS), Xtrackers Euro Stoxx 50 ETF (WKN: DBX1ET), Amundi Stoxx Europe 600 ETF (WKN: LYX0Q0), Global X European Infrastructure Development ETF (WKN: A40E7B), SPDR MSCI Europe Industrials ETF (WKN: A1191T), iShares MSCI Saudi Arabia Capped ETF (WKN: A14ZV2) und Xtrackers MSCI EM Europe, Middle East & Africa ETF (WKN: DBX1EA). https://www.businessinsider.de/informationen/newsletter/alles-auf-aktien/ Wir freuen uns an Feedback über aaa@welt.de. Noch mehr "Alles auf Aktien" findet Ihr bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter. Hier bei WELT: https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html. Der Börsen-Podcast Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte! https://linktr.ee/alles_auf_aktien Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

Consumer Finance Monitor
Breaking Developments in National Bank Act Preemption

Consumer Finance Monitor

Play Episode Listen Later Jan 22, 2026 81:20


Our podcast show this week consists of a webinar we produced on November 10, 2025, titled, "Breaking Developments in National Bank Act Preemption." Join our panel of top legal experts as they break down how landmark court rulings are changing the rules for national banks, examine the growing application of state law, and discuss what these changes mean for compliance, risk, and the future of consumer financial services. Meet the Panelists: ·                 Alan Kaplinsky (Host & Moderator): Senior Counsel and former Practice Group Leader and Founder of the Consumer Financial Services Group at Ballard Spahr ·                 Professor Arthur Wilmarth: Professor Emeritus at George Washington University Law School, widely recognized for his scholarship on National Bank Act preemption. ·                 John Culhane, Jr.: Senior Counsel of the Consumer Financial Services Group at Ballard Spahr specializing in national bank compliance and regulatory strategy. ·                 Ronald Vaske: Senior Counsel of the Consumer Financial Services Group at Ballard Spahr advising financial institutions on regulatory and compliance matters. ·                 Joseph Schuster: Partner of the Consumer Financial Services Group at Ballard Spahr guiding national banks on state law adaptation and implementation. Key Points Covered: ·                 Landmark Court Decisions: Recent cases like Cantero in the Supreme Court and Conti in the First Circuit Court of Appeals have moved National Bank Act preemption away from blanket coverage, requiring courts to carefully assess each state law's impact on national banks. ·                 Dodd-Frank's Transformative Impact: The Dodd-Frank Act codified the legal standard established by the Supreme Court in the Barnett Bank Case that state laws are only preempted if they "prevent or significantly interfere" with national bank authority, and curtailed the OCC's sweeping preemption powers. ·                 Erosion of Uniform Federal Standards: National banks now face the reality of complying with an increasing patchwork of state laws, which challenges the traditional advantage of a federal charter. ·                 Compliance Strategies in Practice: Banks are proactively reviewing and updating their products, disclosures, and processes to ensure compliance with varying state requirements using robust legislative tracking methods. ·                 What's Next - Regulatory and Litigation Outlook: The panel anticipates ongoing legal and regulatory developments and urges institutions to prepare for further changes by starting comprehensive compliance reviews now. This episode delivers vital updates and practical guidance on the evolving landscape of national bank preemption, making it essential listening for anyone involved in consumer financial services, banking compliance, or regulatory strategy.  Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Weltwoche Daily
Meilensteine der Schweizer Geschichte: Prof. Christoph Mörgeli über die Schweizerische Nationalbank

Weltwoche Daily

Play Episode Listen Later Jan 17, 2026 26:41


Werden Sie JETZT Abonnent der Weltwoche. Digital nur CHF 9.- im ersten Monat. https://weltwoche.ch/abonnemente/Aktuelle Ausgabe der Weltwoche: https://weltwoche.ch/aktuelle-ausgabe/KOSTENLOS: Täglicher Newsletter https://weltwoche.ch/newsletter/App Weltwoche Schweiz https://tosto.re/weltwocheDie Weltwoche: Das ist die andere Sicht! Unabhängig, kritisch, gut gelaunt.Meilensteine der Schweizer Geschichte: Prof. Christoph Mörgeli über die Schweizerische Nationalbank.Die Weltwoche auf Social Media:Instagram: https://www.instagram.com/weltwoche/Twitter: https://twitter.com/WeltwocheTikTok: https://www.tiktok.com/@weltwocheTelegram: https://t.me/Die_Weltwoche Facebook: https://www.facebook.com/DIE.WELTWOCHE Hosted on Acast. See acast.com/privacy for more information.

Where Should I Invest? Real Estate Investing
Building Multi-Family From The Ground Up to Rental Success

Where Should I Invest? Real Estate Investing

Play Episode Listen Later Jan 16, 2026 33:00


In this episode of Where Should I Invest, Sarah Larbi sits down with Natalie Cloutier, a real estate developer, author, and builder who has carved out a unique niche in the Canadian investing landscape: Build to Rent. Starting with $0 at just 19 years old, Natalie and her husband built their first home using an auto-construction loan and that single decision launched a long-term strategy now responsible for multiple duplexes, fourplexes, and sixplexes. Natalie breaks down the real numbers, the risks, the rewards, and the mindset behind creating cash-flowing rentals from the ground up. She also shares the truth about Bill 23, the municipal pushback that followed, and the often-overlooked challenges developers face behind the scenes. If you've ever wondered how to build new multifamily housing or whether Build-to-Rent can actually work in today's market, this episode delivers the clarity you've been missing. What You'll Learn How Natalie's “Build to Rent” strategy works from land acquisition to refinance The financing structure needed to build rentals with minimal money left in the deal How Bill 23 created unexpected chaos for builders Why municipalities can make or break your development timeline The biggest mistakes investors make when expanding into construction How Natalie handles permitting, design, and working with new city staff Why choosing the right JV partner matters more than the deal How she used rebates, credit hacks, and marketplace finds to finish units affordably What inspired her new book The Build to Rent Strategy Why cash flow matters more than unit count When to step back from development (and why mental fatigue is real) How to start with nothing and still build long-term wealth Natalie Cloutier is a real estate investor and developer specializing in the Build-to-Rent model, constructing duplexes, fourplexes, and sixplexes across Ontario. With a background in architectural technology, Natalie handles permitting, design, and construction management, while her JV partners handle financing and tenant placement. She is the author of The Build to Rent Strategy, a transparent, numbers-focused guide for aspiring builders and investors. Listen now at https://sarahlarbi.com/podcast-home/ Contact Natalie Cloutier here: Website: https://www.thenewbuildcouple.com Instagram: https://www.instagram.com/thenewbuildcouple Facebook: https://www.facebook.com/thenewbuildcouple Book: The Build to Rent Strategy (available via her website) This episode has been brought to you in part by: Ryan Carson, Carson Law – https://www.carsonlaw.ca/ or email ryan@carsonlaw.ca James Lloyd, US Properties https://www.usproperties.ca/ or email james@usproperties.ca Matt Pickering, National Bank matthew.pickering@nbc.ca Mid-Term Rentals – https://midtermrentalproperties.com/ Inspire Beach Resort – https://inspirebeachresort.com/ Do you need help or ideas for your own real estate investing business? Reach out and let us support your journey www.sarahlarbi.com or email sarah@sarahlarbi.com The post Building Multi-Family From The Ground Up to Rental Success first appeared on Sarah Larbi Developments.

The Talent Development Hot Seat
Leading Talent Development in a Multilingual Hybrid World at the National Bank of Belgium with Siska D'hoore

The Talent Development Hot Seat

Play Episode Listen Later Jan 13, 2026 41:24


Welcome back to the Talent Development Hot Seat podcast! In this episode, I am talking with Siska D'hoore, Head of HR at the National Bank of Belgium. With over 20 years of experience spanning IT, banking, government, and work across three continents, Siska brings a wealth of insight into human resources strategy, talent management, learning and development, and diversity, equity, and inclusion.In this conversation, we dive into the challenges and opportunities of leading HR in a highly regulated, multilingual, and hybrid work environment. Siska shares her unique journey from engineering to HR leadership, the bank's innovative approach to onboarding and leadership development, and how they navigate Belgium's complex landscape with three national languages. They also explore the realities of return-to-office mandates, strategies for building an inclusive workplace that goes beyond gender, and the future of AI in HR at a central banking institution.As always you can learn more and connect with me on my website (andystorch.com) or LinkedIn. And you can find my books - Own Your Career Own Your Life and Own Your Brand, Own Your Career - on Amazon.Connect with Siska D'Hoore: LinkedInMentioned in this episode:Thanks for listeningThanks again for listening. You can find more information about me and everything I do on my website: andystorch.com

The Canadian Real Estate Investor
The Illusion of Choice: How Canadian Banking Actually Works

The Canadian Real Estate Investor

Play Episode Listen Later Jan 13, 2026 42:29


Canada's banking system is dominated by just six major institutions (the Big Five plus National Bank), which control over 80% of banking assets. While this concentration was designed for stability, it creates limited competition and flexibility compared to the U.S., which has thousands of banks with diverse underwriting philosophies. Illusion of choice: Canadians feel like they have banking options, but are essentially rotating through six institutions that behave similarly in terms of rates, underwriting, and credit requirements. Designed for stability, not competition: Canada's concentrated banking system was intentionally created post-Depression to prioritize safety over flexibility, which helped avoid failures during the 2008 crisis but limits competition. Different bank personalities: Each of the Big Six has distinct lending approaches—RBC prefers "vanilla" borrowers, TD is systems-driven, Scotia is unpredictable, BMO is business-friendly, CIBC is mortgage-aggressive, and National Bank is regionally focused. Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE Realist.ca See omnystudio.com/listener for privacy information.

Regionaljournal Graubünden
Nationalbank verbessert Finanzaussichten deutlich

Regionaljournal Graubünden

Play Episode Listen Later Jan 9, 2026 15:21


Für 2026 rechnete der Kanton ursprünglich mit einem Minus von 111 Millionen Franken. Nun aber bekommt der Kanton deutlich mehr Geld von der Nationalbank als angenommen. Weitere Themen: · Nach einem Autodiebstahl in Zizers wurde ein mutmasslicher Täter an der Schweizer Grenze von einem Mitarbeiter des Zolls tödlich verletzt. · Die Blauzungenkrankheit macht der Landwirtschaft Sorgen. Nun ist es an der Zeit, Nutztiere zu impfen, sagt der Kantonstierarzt.

Regionaljournal Bern Freiburg Wallis
Kälte lässt defekte Heizungen auffliegen

Regionaljournal Bern Freiburg Wallis

Play Episode Listen Later Jan 9, 2026 6:04


Wer in den letzten Tagen nicht nur draussen, sondern auch drinnen gefroren hat, dürfte nicht einzig gewesen sein. Die Heizungsmonteure hatten wegen defekten Heizungen aussergewöhnlich viele Einsätze. Weiter in der Sendung: · Überall Polizeipatrouillen und Armeeangehörige: Grosser Andrang in Martigny vor der nationalen Trauerfeier. · Kanton Bern erhält 320 Millionen Franken von der Nationalbank. Das Wallis erhält 110 Millonen, der Kanton Freiburg 100 Millionen. · Drei Personen bei Unfall in La Neuveville verletzt.

Regionaljournal Aargau Solothurn
«Werkstattmord»: Es bleibt beim Freispruch

Regionaljournal Aargau Solothurn

Play Episode Listen Later Jan 9, 2026 6:53


2012 wurde in Gränichen ein Mann in einer Werkstatt erschossen. Das Bundesgericht will den Fall nun nicht neu aufrollen. Es weist ein Gesuch der Aargauer Staatsanwaltschaft ab. Dass der Beschuldigte damit geprahlt habe, einen Menschen getötet zu haben, sei kein neues Beweismittel. Die weiteren Themen: · Geldsegen für die Kantone: Dank der Gewinnausschüttung durch die Nationalbank kann Solothurn das für 2026 budgetierte Minus von 95 Millionen Franken halbieren. Und der Aargau freut sich über 200 Millionen, mit denen er das budgetierte Defizit in einen Überschuss umwandeln kann. · Dagobert Cahannes ist tot. Der langjährige Medienbeauftragte der Solothurner Regierung, der einer breiten Öffentlichkeit bekannt war wegen seiner Auftritte als Speaker an den Lauberhornrennen, an Pferderennen oder an Eidgenössischen Schwingfesten, starb am Dienstag im Alter von 75 Jahren.

Regionaljournal Ostschweiz
Sparmassnahmen bleiben - trotz mehr Geld der Nationalbank

Regionaljournal Ostschweiz

Play Episode Listen Later Jan 9, 2026 16:12


Die Schweizer Nationalbank schüttet dieses Jahr 4 Milliarden Franken Gewinn an Bund und Kantone aus. Alle Ostschweizer Kantone haben in den Budgets für 2026 mit deutlich weniger Geld der SNB gerechnet. Dennoch halten die Kantone Thurgau, St. Gallen und Appenzell Innerrhoden an den Sparplänen fest. Weitere Themen: · Die Kantonspolizei St. Gallen wirbt mit einer neuen Kampagne für mehr Personal. · Der Bahnhofschalter in Bonaduz wird seit über 20 Jahren von einem Verein betrieben. Seit Anfang Januar führt der Verein Historic RhB den Bahnhof.

This Month in Banking
Bank Strategy: Community Banks vs. National Banks

This Month in Banking

Play Episode Listen Later Dec 30, 2025 46:43


Bank Strategy:  Community vs. National Banks Hosts - Tara Wean, Vice President, The Kafafian Group, Inc.         Jeff Marsico, President, The Kafafian Group, Inc.         Ben Crowley, Managing Director, The Kafafian Group, Inc. Guests - Andrew Baker, Chief Strategy Officer, F&M Bank

Geldmeisterin
2026: Kryptoaufsicht, Bekämfung der Geldwäsche, notleidende Gewerbeimmobilienkredite

Geldmeisterin

Play Episode Listen Later Dec 28, 2025 25:41


„In Summe kann man sagen, haben wir einen stabilen Bankenmarkt in Österreich. Das ist auch im jüngsten Finanzmarktbericht der Nationalbank gut herausgekommen," meint die neue Chefin der Österreichischen Finanzmarktaufsicht, „stark kapitalisiert kann er somit den Wirtschaftsaufschwung 2026 unterstützen. Das steht und fällt natürlich damit, dass wir die Risiken gut im Blick haben." Die in Österreich vor allem sind: Notleidende Gewerbeimmobilienkredite, Schwerpunktsetzungen auf die Krypto- und auf die Geldwäscheaufsicht sowie die Umsetzung des europäischen AI-Acts." Da gibt es dann eine große Unterscheidung zwischen was ist Hochrisiko und was ist künstliche Intelligenz, deren Anwendung nur transparent zu kommunizieren ist.Ein spannendes Gespäch mit FMA-Vorstand Mariana Kühnel über den österreichischen und europäischen Finanzmarkt. und Regulierungsnotwendigkeiten. Einen guten Rutsch ins neue Jahr wünscht Julia KistnerWarnhinweise: Geldanlagen und erst Recht Investments in Krypto Assets bergen ein Verlustrisiko. Der Host und die Podcastgäste der GELDMEISTERIN haften nicht für die Inhalte dieses Mediums.Musik- & Soundrechte:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.geldmeisterin.com/index.php/musik-und-soundrechte/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠#AI #Krypto #Geldwäsche #FMA #anlegen #investieren #podcastFoto FMA

Moose on The Loose
Most popular dividend stocks at DSR - my favorite 6

Moose on The Loose

Play Episode Listen Later Dec 23, 2025 10:30


The  Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, I discuss my 6 favorite stocks from the Top 25 Canadian stocks held at Dividend Stocks Rock #6 Power corp (my favorite deluxe bond) (18) #5 Granite REIT (favorite REIT) (12) #4 Fortis (favorite boring stock) (2) #3 CNQ (favorite high yield) (5) #2 Dol (favorite dividend tirangle) (21) #1 National Bank (my favorite bank) (7) It's all about dividend growth investing! Be ready to invest in 2026: https://www.dividendstocksrock.com/2026 2026 investment themes Investing strategies Protect your portfolio Favorite stocks for 2026! Subscribe to the best free dividend investing newsletter: https://thedividendguyblog.com/newsletter Get the 20 income products guide for retirees: https://retirementloop.ca/income/ Get your Investment roadmap: https://dividendstocksrock.com/roadmap

Geldcast: Geldpolitik mit Fabio Canetg
Wie lange gibt es noch Bargeld – und was will die Bargeld-Initiative?

Geldcast: Geldpolitik mit Fabio Canetg

Play Episode Listen Later Dec 21, 2025 7:06


In der Schweiz wird immer weniger Bargeld gebraucht: Nur noch rund 30 Prozent aller Transaktionen an Kassen und Schaltern werden in bar abgewickelt – vor nur acht Jahren waren es noch über 70 Prozent. Die «Freiheitliche Bewegung Schweiz» will diesen Trend nun stoppen mit ihrer Volksinitiative «Bargeld ist Freiheit» – am 8. März 2026 wird die Schweizer Stimmbevölkerung darüber abstimmen. Im neuen Geldcast fragen wir: Was fordert die Bargeld-Initiative genau? Wieso hat das Parlament einen direkten Gegenvorschlag zur Initiative erarbeitet? Und wie unterscheiden sich die beiden Vorlagen?   www.fabiocanetg.ch Der Schweizer Wirtschaftspodcast mit den hochkarätigsten Gästen! Von Börsen und Bitcoin bis Kaufkraft und Zinsen: Fabio Canetg, Geldökonom und Journalist, diskutiert im Geldcast mit seinen Gästen aus Wirtschaft, Politik und Wissenschaft über deren Werdegang, über die aktuellsten Themen aus der Finanzwelt, über die Geldpolitik der Schweizerischen Nationalbank und über die Wirtschaftspolitik von Bundesrat und Parlament. Ein Podcast über Zentralbanken, Inflation, Schulden und Geld – verständlich und unterhaltsam für alle, die auf dem Laufenden bleiben wollen. Stichworte: Bargeld ist Freiheit, Bargeld, Bargeld-Initiative, Bargeldversorgung, Geld, Geldpolitik, Schweizerische Nationalbank, Nationalbank, SNB

BRF - Podcast
Aktuell: Nationalbank: Es gibt Hoffnung, aber die bisherigen Anstrengungen reichen nicht aus - Boris Schmidt

BRF - Podcast

Play Episode Listen Later Dec 19, 2025


Echo der Zeit
Bulgariens Regierung tritt zurück

Echo der Zeit

Play Episode Listen Later Dec 11, 2025 39:53


Am Mittwoch waren zehntausende Menschen in Bulgarien gegen die Regierung auf die Strasse gegangen. Jetzt reagiert Ministerpräsident Rossen Scheljaskow auf die Proteste. Er und seine gesamte Regierung treten zurück. Alle Themen: (00:00) Intro und Schlagzeilen (01:05) Bulgariens Regierung tritt zurück (04:51) Nachrichtenübersicht (09:12) Die SRG will zu UKW zurückkehren (13:35) Tanker vor Venezuela beschlagnahmt (16:59) Nationalbank belässt den Leitzins (20:49) Der Nationalrat will laute Böller verbieten (24:25) Die Axpo und das Geschäft mit Flüssiggas (29:05) Wer bestimmt die Regeln des Internets? (34:00) Griechenland: Die schwierige Suche nach Pflegefamilien

Thinking Crypto Interviews & News
OCC APPROVES NATIONAL BANKS TO DO CRYPTO TRADES! PNC BANK BITCOIN TRADING!

Thinking Crypto Interviews & News

Play Episode Listen Later Dec 10, 2025 20:20 Transcription Available


Crypto News: The OCC clears national banks to facilitate crypto transactions. PNC Private Bank clients can now buy, sell, and hold bitcoin in their existing accounts.Brought to you

Where Should I Invest? Real Estate Investing
Building Cash Flow in the U.S.: Cross Border Turnkey Strategy

Where Should I Invest? Real Estate Investing

Play Episode Listen Later Dec 5, 2025 31:07


In this episode of Where Should I Invest, I chat with Chad Carter a former sports chiropractor turned real estate investor who's building a turnkey single-family portfolio in Rochester, New York, specifically designed for Canadian investors. Chad shares how he went from buying his first properties with family to partnering through joint ventures and now launching investment funds to scale his business. We talk about how he’s using institutional credit lines from US lenders to acquire, stabilize, and refinance properties and how he's achieving double-digit returns while keeping things efficient and repeatable. From managing Section 8 tenants and overseeing light renovations to structuring LP/LLC deals for Canadians and navigating financing. Chad offers real-world tips for anyone curious about cross-border investing. Whether you’re brand new to US investing or wondering how to grow your existing portfolio, this is a crash course in what's working right now. What You'll Learn: Why Chad chose Rochester, New York, as his investment market How his team uses institutional credit lines to acquire and refi The difference between Canadian and US financing structures How to manage Section 8 tenants and property management in the US Advice for Canadians getting started with their first US property Why buying off-market from wholesalers can unlock better deals How his new fund structure works for passive investors Chad Carter is a sports chiropractor turned real estate investor, helping Canadians access cash-flowing single-family properties in Rochester, New York. With a background in healthcare and entrepreneurship, Chad launched Maplebridge Investments to scale his US real estate portfolio through joint ventures and investment funds. He specializes in turnkey, scattered-site single-family homes and is passionate about helping fellow millennials and Canadians achieve real estate freedom through cross-border strategies. Listen now at https://sarahlarbi.com/podcast-home/ Contact Chad Carter here: Website: https://www.maplebridgeinvestments.com/ and https://www.beyondbordersgroup.com/ Instagram: https://www.instagram.com/drchad.beyondborders/ LinkedIn: https://www.linkedin.com/in/beyondbordersgroup/ This episode has been brought to you in part by: Matt Pickering, National Bank matthew.pickering@nbc.ca James Lloyd, US Properties https://www.usproperties.ca/ or email james@usproperties.ca Mid-Term Rentals – https://midtermrentalproperties.com/ Inspire Beach Resort – https://inspirebeachresort.com/ Do you need help or ideas for your own real estate investing business? Reach out and let us support your journey www.sarahlarbi.com or email sarah@sarahlarbi.com The post Building Cash Flow in the U.S.: Cross Border Turnkey Strategy first appeared on Sarah Larbi Developments.

Visegrad Insight Podcast
Can Elections Break Orbán's State-Made Oligarchy?

Visegrad Insight Podcast

Play Episode Listen Later Nov 25, 2025 51:56


In April 2026, Hungarians go to the polls again. The choice is framed as ‘war and peace' by Viktor Orbán, and ‘corruption and oligarchy' by Péter Magyar. But is Hungary's real problem that its oligarchs are not independent tycoons at all, but extensions of the state itself?In this Visegrad Insight videocast, Wojciech Przybylski speaks with two insiders of Hungary's economic and political transformation: former central banker and regional investment banker András Simor and former economy minister and governor of the National Bank of Hungary Péter Ákos Bod.This podcast joins the series of conversations within the pilot Polish-Hungarian bilateral framework at the Europe Future Format by the Res Publica Foundation.Learn more about this format: https://europefuture.forum/europe-future-forum-polish-hungarian-perspectives/.Explore Europe Future Forum: https://europefuture.forumWatch the full episode on YouTube: https://youtu.be/r-l242SBIbMListen on Apple Podcast: ⁠⁠⁠https://podcasts.apple.com/pl/podcast/visegrad-insight-podcast/id1515725435Listen on Spotify: ⁠⁠⁠https://open.spotify.com/show/7aA9iqd8rUxFMYMemjikuw?si=68781dd9de824b6b

Pleb UnderGround
Are National Banks Buying Bitcoin?

Pleb UnderGround

Play Episode Listen Later Nov 14, 2025 29:35


✔️ Hopium: Bitcoin Sentiment Reaches 2022 lows, Lightning Channels have grown, CNB Buys Bitcoin! Bitcoin to Surpass Gold Saylor Says ✔️ Fail: FOMO FUD/ Jobs Daughter Buying Bitcoin, Square shitcoining, BTC treasury CEO self own ✔️ Eternal Paper Bitcoin: Emory University. MSTR ✔️ Cool Stuff: Seedsigner/Bullbitcoin ✔️ Sources: ► https://x.com/joeconsorti/status/1988740116886745425?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/saniexp/status/1988391967357903151?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/bitcoinnewscom/status/1988593864576479611?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/bullbitcoin_/status/1989001251233935571?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/bitcoinnewscom/status/1988947202606313809?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/abudonkweb3/status/1988656502631260198?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/btctreasuries/status/1988929364470489120?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/jestopher_btc/status/1988884713528823970?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/btctreasuries/status/1988994152940597439?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/bitcoinmagazine/status/1988955386570059863?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://finance.yahoo.com/news/czech-central-bank-buys-1-155113844.html► https://x.com/pledditor/status/1988944247060562273?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/bitcoinnewscom/status/1989011233421291539?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/zynxbtc/status/1988926960228274272?s=52&t=CKH2brGypO5fEYTgQ-EFhQ✔️ Check out Our Bitcoin Only Sponsors!► https://archemp.co/Discover the pinnacle of precision engineering. Our very first product, the bitcoin logo wall clock, is meticulously machined in Maine from a solid block of aerospace-grade aluminum, ensuring unparalleled durability and performance. We don't compromise on quality – no castings, just solid, high-grade material. Our state-of-the-art CNC machining center achieves tolerances of 1/1000th of an inch, guaranteeing a perfect fit and finish every time. Invest in a product built to last, with the exacting standards you deserve.► Join Our telegram: https://t.me/theplebunderground#Bitcoin #crypto #cryptocurrency #dailybitcoinnews #memecoins The information provided by Pleb Underground ("we," "us," or "our") on Youtube.com (the "Site") our show is for general informational purposes only. All information on the show is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site. UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SHOW OR RELIANCE ON ANY INFORMATION PROVIDED ON THE SHOW. YOUR USE OF THE SHOW AND YOUR RELIANCE ON ANY INFORMATION ON THE SHOW IS SOLELY AT YOUR OWN RISK.

Blue Alpine Cast - Kryptowährung, News und Analysen (Bitcoin, Ethereum und co)
Wale verkaufen BTC, Tschechische Nationalbank investiert 1 Mio. USD in Bitcoin, XRP ETF mit starkem Start, 21Shares mit neuen ETFs, FDIC will Tokenisierung vorantreiben, Kraken Börsengang verschoben und UFC Partnerschaft mit Polymarket


Blue Alpine Cast - Kryptowährung, News und Analysen (Bitcoin, Ethereum und co)

Play Episode Listen Later Nov 14, 2025 11:58


Small Town Big Business Podcast
Peoples National Bank: Brian Gansauer

Small Town Big Business Podcast

Play Episode Listen Later Nov 6, 2025 28:45


Exploring Rural Banking and Entrepreneurship with Brian Gansauer of People's National BankIn this episode we interviews Brian Gansauer, the Community Bank President of People's National Bank, who shares his extensive background in banking and business. Brian discusses his upbringing in Xenia, his career path from high school teller to a leadership role in a community bank, and his entrepreneurial ventures in the rental property market. He also talks about the unique aspects of rural banking, the challenges and opportunities for entrepreneurs in Southern Illinois, and the importance of community involvement and networking. Additionally, Brian shares his personal interests, including his passion for music and his involvement in various community boards.00:00 Introduction and Guest Welcome00:30 Brian's Background and Early Career02:35 Entrepreneurial Ventures and Real Estate03:41 Transition to Banking05:23 Rural Banking and Community Impact09:07 Advice for Entrepreneurs12:55 Networking and Personal Development13:52 The Importance of Partnering for Training14:36 Cascading Training and Community Involvement15:42 Advantages of Living and Working in Southern Illinois17:23 Personal Background and Musical Journey19:11 Community and Civic Involvement21:12 Advice for Entrepreneurs and Business Owners23:22 Vision for Southern Illinois26:03 Making a Positive Difference26:40 Conclusion and Final ThoughtsRecorded at EThOs Small Business Incubator and Co-working Spaces in Marion, Illinois.https://members.ethosmarion.org/ SUBSCRIBE TO THE PODCASTOur guest: https://www.peoplesnationalbank.com/

Geldcast: Geldpolitik mit Fabio Canetg
So verändert ChatGPT und künstliche Intelligenz (KI) unsere Jobs und Löhne

Geldcast: Geldpolitik mit Fabio Canetg

Play Episode Listen Later Oct 26, 2025 6:41


Die künstliche Intelligenz ist auf dem Vormarsch. Nun zeigt eine neue Studie der Stanford University, wie sich ChatGPT und Co. auf unsere Jobs auswirken. | «Künstliche Intelligenz tötet unsere Jobs». So getitelt hat das Online-Portal «Forbes» im August 2025. Doch welche Jobs sind davon vor allem betroffen? Und wie wirkt sich künstliche Intelligenz aus auf unsere Löhne, die Preise und die Zinsen? Das und mehr erfahren Sie jetzt im neuesten Geldcast Update. www.fabiocanetg.ch Der Schweizer Wirtschaftspodcast mit den hochkarätigsten Gästen! Von Börsen und Bitcoin bis Kaufkraft und Zinsen: Fabio Canetg, Geldökonom und Journalist, diskutiert im Geldcast mit seinen Gästen aus Wirtschaft, Politik und Wissenschaft über deren Werdegang, über die aktuellsten Themen aus der Finanzwelt, über die Geldpolitik der Schweizerischen Nationalbank und über die Wirtschaftspolitik von Bundesrat und Parlament. Ein Podcast über Zentralbanken, Inflation, Schulden und Geld – verständlich und unterhaltsam für alle, die auf dem Laufenden bleiben wollen. Stichworte: Künstliche Intelligenz, KI, ChatGPT, Artificial intelligence, AI, OpenAI 

featured Wiki of the Day
Jozo Tomasevich

featured Wiki of the Day

Play Episode Listen Later Oct 15, 2025 4:44


fWotD Episode 3085: Jozo Tomasevich Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Wednesday, 15 October 2025, is Jozo Tomasevich.Josip "Jozo" Tomasevich (1908 – October 15, 1994; Serbo-Croatian: Josip Tomašević) was an American economist and historian whose speciality was the economic and social history of Yugoslavia. Tomasevich was born in the Kingdom of Dalmatia, then part of Austria-Hungary, and after completing high school and attending a commercial academy, he earned a doctorate in economics from the University of Basel in Switzerland. In the mid-1930s, he worked at the National Bank of Yugoslavia in Belgrade and published three well-received books on Yugoslavia's national debt, fiscal policy, and money and credit respectively.In 1938, he moved to the United States as the recipient of a two-year Rockefeller fellowship and conducted research at Harvard University before joining the academic staff of Stanford University. During World War II, Tomasevich worked for the Board of Economic Warfare and the United Nations Relief and Rehabilitation Administration, and post-war he joined the Federal Reserve Bank in San Francisco. In 1948, he joined the staff at San Francisco State College (later San Francisco State University). He combined research and teaching there for twenty-five years until his retirement in 1973, which was broken by a year of teaching at Columbia University in 1954. Between 1943 and 1955, Tomasevich published two positively reviewed books on economic matters; one focused on marine resources and the other on the peasant economy of Yugoslavia.Tomasevich then embarked on an extensive research and writing project on Yugoslavia in World War II – War and Revolution in Yugoslavia 1941–1945 – which was planned to consist of three volumes. Supported by grants and fellowships, he published the first volume titled The Chetniks in 1975, which explored the development and fate of the Chetnik movement during the war. The book was well received, and twenty-five years later was described by the Yugoslav and Croatian historian Ivo Goldstein as still the "most complete and best book about the Chetniks to be published either abroad or in former Yugoslavia". After his retirement he was appointed professor emeritus of economics at San Francisco State University, and he died in California in 1994.His final book was the second volume of the series – War and Revolution in Yugoslavia 1941–1945: Occupation and Collaboration – which was edited by his daughter Neda Tomasevich then published posthumously in 2001. It focused on collaboration and the quisling governments in Yugoslavia during the war with a strong emphasis on the Independent State of Croatia, an Axis puppet state. The book was highly praised by historians. The third volume on the Yugoslav Partisans remains unpublished despite being 75 per cent complete at his death. The scholarly standard Tomasevich achieved with the first two volumes in the series made his death before completing the series "a tragedy keenly felt even by those who never knew him", according to Klaus Schmider, a Royal Military Academy Sandhurst lecturer and German historian. In his obituary by Alexander Vucinich in the Slavic Review, Tomasevich was described as "a master of scholarly skills, a person of bountiful erudition, wit and human dignity".This recording reflects the Wikipedia text as of 00:48 UTC on Wednesday, 15 October 2025.For the full current version of the article, see Jozo Tomasevich on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Aditi.

Consumer Finance Monitor
First Circuit Rules National Bank Act Does Not Preempt Rhode Island State Law: Is There Still Any Advantage to Having A National Bank Charter?

Consumer Finance Monitor

Play Episode Listen Later Oct 1, 2025 47:49


As our regular podcast listeners know, we ordinarily release a new regular podcast show once each week on Thursday. On a very few occasions, we have released a special extra podcast show during the same week. We have only done that when a development occurs which we feel is of extraordinary importance and time sensitive. On September 22, the United States Court of Appeals for the First Circuit issued its unanimous opinion in Conti v. Citizens Bank, N.A. in which it held, in the context of a motion to dismiss a putative class action alleging that the Bank failed to pay interest on mortgage escrow accounts in violation of a Rhode Island statute which requires the payment of interest on mortgage escrow accounts, that the National Bank Act does not preempt the Rhode Island statute. The Bank had argued that the National Bank Act preempts the Rhode Island statute and that, as such, it was not required to pay any interest on mortgage escrow accounts. The District Court had also held that such Rhode Island statute was preempted. See our recently published blog about The First Circuit Opinion in Conti.  While the Conti case involves the narrow question described above, the implications of the opinion are sweeping in nature and will require national banks to comply with a vast litany of state consumer protection laws throughout the country which may no longer be preempted by the National Bank Act. Since 2004, the OCC has had a regulation which expressly purports to preempt state statutes, like the Rhode Island statute, which requires the payment of interest on mortgage escrow accounts That same regulation purports to preempt most categories of other state consumer protection laws. Most national banks have been reasonably relying on the OCC preemption regulations and have not complied with most state consumer protection laws. The Conti opinion implicitly concludes that the OCC preemption regulations are invalid.   During our podcast show, we explain the history of the Conti case and the holding and reasoning of the First Circuit. We also discuss the Cantero opinion in the Supreme Court which led to the First Circuit opinion and similar cases in the Second and Ninth Circuits dealing with the same preemption issues. Most importantly, we will explain how we are helping national banks comply with state laws that are probably not preempted by the National Bank Act. Alan Kaplinsky, the founder and practice leader of the Consumer Financial Services Group, hosted the webinar. He was joined by Joseph Schuster and Ron Vaske, partners in the Group who focus their practices in part on National Bank Act Preemption.

Rendez-vous
Schweizerische Nationalbank tastet Leitzins nicht an

Rendez-vous

Play Episode Listen Later Sep 25, 2025 30:04


Die Schweizerische Nationalbank SNB verändert ihren Kurs nicht und belässt den Leitzins bei null Prozent. Geld kann also weiterhin günstig geliehen werden. Das soll Investitionen fördern und die Wirtschaft ankurbeln.

Zeitblende
Geschichte des Frankens: Wirrwarr, Schwächling, Superstar (3/3)

Zeitblende

Play Episode Listen Later Sep 16, 2025 28:28


Der frühere Schwächling gehört heute zu den stärksten Währungen der Welt. Schmerzlos verläuft der Aufstieg des Frankens aber nicht: In den 1930er Jahren leidet die Bevölkerung, weil die Nationalbank nicht abwertet und auch um den Franken zu stützen, kauft die SNB Gold von den Nationalsozialisten. Nachdem ersten Weltkrieg will die Schweiz den Franken unbedingt wieder ans Gold koppeln. Weil andere Länder dies nicht wollen oder können, beginnt der relative Wert des Frankens zu steigen. Mit kurzen Unterbrüchen setzt sich dieses Erstarken durch das gesamte 20. Jahrhundert fort – trotz oder gerade wegen der grossen Kriege und der Tatsache, dass die Schweiz bei der Neuordnung der globalen Finanzpolitik im US-amerikanischen Bretton Woods nicht dabei ist. ___________________ In der Episode zu hören: • Ernst Baltensperger, Emeritierter Volkswirtschaftsprofessor und Autor von «Der Schweizer Franken – Eine Erfolgsgeschichte» • Martin Schlegel, Präsident der Schweizerischen Nationalbank, SNB ___________________ Hier lernt ihr die Geschichte so richtig kennen – mit all ihren Eigenarten, Erfolgen, Fails, Persönlichkeiten und Dramen. Im Podcast «Geschichte» (ehemals «Zeitblende») von SRF Wissen tauchen wir in die Schweizer Vergangenheit ein – und möchten verstehen, wie sie unsere Gegenwart prägt. Habt ihr Themenvorschläge oder Feedback? Meldet euch bei geschichte@srf.ch.

Geldcast: Geldpolitik mit Fabio Canetg
Sollten wir die AHV-Renten mit höheren Kapitalmarkt-Renditen zahlen?

Geldcast: Geldpolitik mit Fabio Canetg

Play Episode Listen Later Sep 14, 2025 7:08


Künftige AHV-Renten mit höheren Kapitalmarkt-Renditen zahlen: Diese Idee lanciert hat das Beratungsunternehmen «Deloitte» vor wenigen Tagen. Dafür sollen die Mittel im AHV-Fonds von heute rund 50 Milliarden Franken auf 100 Milliarden Franken erhöht werden. Davon erhofft sich das Beratungsunternehmen eine höhere Anlagerendite, sprich: mehr Geld für die Auszahlungen des AHV-Fonds an Rentenbezügerinnen und -bezüger. Was hält Gabriela Medici, Co-Sekretariatsleiterin beim Schweizerischen Gewerkschaftsbund, von dieser Idee? www.fabiocanetg.ch Der Schweizer Wirtschaftspodcast mit den hochkarätigsten Gästen! Von Börsen und Bitcoin bis Kaufkraft und Zinsen: Fabio Canetg, Geldökonom und Journalist, diskutiert im Geldcast mit seinen Gästen aus Wirtschaft, Politik und Wissenschaft über deren Werdegang, über die aktuellsten Themen aus der Finanzwelt, über die Geldpolitik der Schweizerischen Nationalbank und über die Wirtschaftspolitik von Bundesrat und Parlament. Ein Podcast über Zentralbanken, Inflation, Schulden und Geld – verständlich und unterhaltsam für alle, die auf dem Laufenden bleiben wollen. Stichworte: AHV, 13. AHV-Rente, Finanzierung AHV, Finanzperspektiven AHV, Lohnabzüge, Mehrwertsteuer, Altersvorsorge, Rentenplafonierung, Pensionskassen, BVG, Gabriela Medici

SWR2 Forum
Donald Trump und die Demokratie – Werden die USA autokratisch regiert?

SWR2 Forum

Play Episode Listen Later Sep 11, 2025 44:31


Der amerikanische Präsident Donald Trump nutzt in seiner zweiten Amtszeit das gesamte rechtspopulistische Arsenal, um die liberale Demokratie und Kultur zu schwächen. Er setzt die Nationalgarde in demokratisch regierten Städten ein, versucht die Nationalbank unter seine Kontrolle zu bringen und reformiert das Wahlrecht zu seinen Gunsten. Tech-Milliardäre, Medien, Universitäten und Kultureinrichtungen haben seinem Druck bereits nachgegeben. Lediglich einige Gerichte halten Trumps Zoll- und Migrationspolitik in Zaum. Wo bleibt der Widerstand der Demokraten? Wie beschädigt ist die amerikanische Demokratie? Claus Heinrich diskutiert mit Prof. Russell Berman PhD. – Germanist, Stanford University, Kalifornien; Prof. Dr. Christiane Lemke – Politikwissenschaftlerin, Universität Hannover; Prof. Dr. Britta Waldschmidt-Nelson – Historikerin, Universität Augsburg

The Peak Daily
Liquid loonie

The Peak Daily

Play Episode Listen Later Sep 9, 2025 9:13


We could soon have a new loonie that can't get lost in the couch cushions.  If you've been hoarding a brilliant idea for a new sports league, now's the time to pitch it. 

Zeitblende
Geschichte des Frankens: Wirrwarr, Schwächling, Superstar (2/3)

Zeitblende

Play Episode Listen Later Sep 2, 2025 24:06


Die Karriere des Frankens beginnt mit einem Fehlstart. Weil er nur in Silber geprägt wird und der Silberpreis in den 1850er Jahren massiv ansteigt, wird der Franken anfangs kaum als Währung benutzt. Und auch bei den Banknoten herrscht Chaos, bis 1907 die Nationalbank gegründet wird. Der Schweizer Franken ist bis zum Ersten Weltkrieg ein schwächelndes Anhängsel des französischen Francs. Der Bund prägt anfangs bewusst nicht genug Münzen, um den eigenen Bedarf zu decken, sondern verlässt sich darauf, dass auch ausländische Münzen fürs Zahlen in der Schweiz eingesetzt werden. Diesem "Münzparasitismus" setzt die sogenannte Lateinische Münzunion in den 1860er Jahren engere Grenzen. Gegen Ende des 19. Jahrhunderts werden Banknoten wichtiger. Anders als bei den Münzen herrscht hier immer noch der Föderalismus. Banknoten sind Sache der Kantone. Rund fünfzig Banken drucken eigene Schweizer Frankennoten. Mit dem neuen Bankengesetz reisst der Bund das Monopol an sich - und brummt den Banken im historischen Vergleich sehr hohe Eigenkapitalpolster auf. Uneinigkeit unter den Kantonen führt aber dazu, dass die Schweiz erst ab 1907 eine Zentralbank hat, die Schweizerische Nationalbank. _____________________ In der Episode zu hören: • Ernst Baltensperger, Emeritierter Volkswirtschaftsprofessor und Autor von «Der Schweizer Franken – Eine Erfolgsgeschichte» • Michael Kasch, Chef von Orell Füssli Sicherheitsdruck _____________________ Hier lernt ihr die Geschichte so richtig kennen – mit all ihren Eigenarten, Erfolgen, Fails, Persönlichkeiten und Dramen. Im Podcast «Geschichte» (ehemals «Zeitblende») von SRF Wissen tauchen wir in die Schweizer Vergangenheit ein – und möchten verstehen, wie sie unsere Gegenwart prägt. Habt ihr Themenvorschläge oder Feedback? Meldet euch bei geschichte@srf.ch.

Geldcast: Geldpolitik mit Fabio Canetg
Talk | Gabriela Medici, woher kommt das Geld für die 13. AHV-Rente?

Geldcast: Geldpolitik mit Fabio Canetg

Play Episode Listen Later Aug 28, 2025 31:52


Nach dem Ja der Schweizer Stimmbevölkerung zur 13. AHV-Rente vom März 2024 geht es nun um die Finanzierung. Der Ständerat hat im Juni einem Mitte-Links-Kompromiss zugestimmt. Folgt nun auch der Nationalrat? | Es geht um viel bei der Finanzierung der 13. AHV-Rente: Die Lohnabzüge sollen um insgesamt 0.8 Prozentpunkte steigen; ebenfalls soll die Mehrwertsteuer erhöht werden von heute 8.1 Prozent auf 9.1 Prozent. Gleich mitfinanziert wäre damit ein weiterer Ausbau der AHV, nämlich die Erhöhung der Ehepaar-Renten. Eine solche Erhöhung fordert die Mitte-Partei mit ihrer Volksinitiative «Ja zu fairen AHV-Renten auch für Ehepaare». | Kostenpunkt der Finanzierungsvorlage gemäss neuesten Schätzungen des Bundesamts für Sozialversicherungen: Mehr als 5 Milliarden Franken im Jahr 2030. Wer soll das bezahlen? www.fabiocanetg.ch Der Schweizer Wirtschaftspodcast mit den hochkarätigsten Gästen! Von Börsen und Bitcoin bis Kaufkraft und Zinsen: Fabio Canetg, Geldökonom und Journalist, diskutiert im Geldcast mit seinen Gästen aus Wirtschaft, Politik und Wissenschaft über deren Werdegang, über die aktuellsten Themen aus der Finanzwelt, über die Geldpolitik der Schweizerischen Nationalbank und über die Wirtschaftspolitik von Bundesrat und Parlament. Ein Podcast über Zentralbanken, Inflation, Schulden und Geld – verständlich und unterhaltsam für alle, die auf dem Laufenden bleiben wollen. Stichworte: AHV, 13. AHV-Rente, Finanzierung AHV, Finanzperspektiven AHV, Lohnabzüge, Mehrwertsteuer, Altersvorsorge, Rentenplafonierung, Pensionskassen, BVG, Gabriela Medici

Quantum Nurse: Out of the rabbit hole from stress to bliss.  http://graceasagra.com/
#416 -LAWRENCE FREEMAN - Battle Over the Nile: Egypt, U.S. Pressure vs Ethiopia's Right to Develop

Quantum Nurse: Out of the rabbit hole from stress to bliss. http://graceasagra.com/

Play Episode Listen Later Aug 21, 2025 85:40


Quantum Nurse https://graceasagra.com/  presents Freedom International Livestream On Thursday, Aug 21, 2025 @ 12:00 PM EST Guest: LAWRENCE FREEMAN Topic:  Battle Over the Nile: Egypt, U.S. Pressure vs Ethiopia's Right to Develop https://lawrencefreemanafricaandtheworld.com/ Guest Bio: Lawrence Freeman is a political-economic analyst with over 30 years of experience specializing in Africa and physical economics. He advocates for real economic development through infrastructure, particularly rail and energy, as a basic human right.   Freeman supports African sovereignty by encouraging policies that serve national interests. His work spans Ethiopia, Nigeria, Sudan, Mali, Chad, and Côte d'Ivoire. He champions major projects like the Transaqua initiative to revive Lake Chad and the African Union's High-Speed Rail Network. He also contributes to an infrastructure plan inspired by Alexander Hamilton's National Bank.   Freeman teaches African history in Maryland, publishes widely, and advises institutions including the Lake Chad Basin Commission. His vision centers on self-sufficient, sovereign development to secure Africa's long-term prosperity.   Founding Host: Grace Asagra, RN, PhD Podcast: Quantum Nurse http://graceasagra.bio.link/ https://www.quantumnurse.life/ DONATE LINK for Grace Asagra @ Quantum Nurse Podcast https://patron.podbean.com/QuantumNurse https://www.paypal.com/donate/?hosted_button_id=FHUXTQVAVJDPU Venmo - @Grace-Asagra 609-203-5854 Grace Asagra, RN PhD Podcast:  Quantum Nurse: Out of the Rabbit Hole from Stress to Bliss https://graceasagra.com/ Special Guest Hosts: Drago Bosnic BRICS portal (infobrics.org) https://t.me/CerFunhouse   Standing host: Hartmut Schumacher https://www.dragonnous.com   WELLNESS RESOURCES Optimal Health and Wellness with Grace Virtual Dispensary Link (Designs for Health)               2https://www.designsforhealth.com/u/optimalhealthwellness Premier Research Labs https://prlabs.com/customer/account/create/code/59n84f/ 15% discount

Macro Musings with David Beckworth
Aditi Sahasrabuddhe on the Role Central Banker Relationships Play in Economic Crises

Macro Musings with David Beckworth

Play Episode Listen Later Aug 18, 2025 59:04


Aditi Sahasrabuddhe is a political scientist at Brown University and the author of the new book, Banker's Trust: How Social Relations Avert Global Financial Collapse. In Aditi's first appearance on the show, she discusses how central bankers' relationships in the 1920's impacted the global economy, how the ending of those relationships played a part in the Great Depression, how we can apply those principles to the Great Recession and the present, and much more. Check out the transcript for this week's episode, now with links. Recorded on July 30th, 2025 Subscribe to David's Substack: Macroeconomic Policy Nexus Follow David Beckworth on X: @DavidBeckworth Follow the show on X: @Macro_Musings Check out our Macro Musings merch! Subscribe to David's new BTS YouTube Channel  Timestamps 00:00:00 - Intro 00:00:50 - Aditi's Intellectual Journey 00:03:57 - Louis Franck at the National Bank of Belgium 00:05:46 - Relationships and Crisis 00:11:07 - Central Bank Club 00:17:06 - Central Bankers and the Butterfly Effect 00:22:33 - Montagu Norman and Benjamin Strong 00:32:06 - Émile Moreau 00:34:48 - Japan 00:38:11 - Benjamin Strong and the Great Depression 00:48:55 - Great Financial Crisis 00:51:18 - India 00:55:25 - Jerome Powell the Central Banker 00:58:23 - Outro

Inside INdiana Business Radio On Demand
7/22/25 PM UPDATE: Arrive AI adding to team; Old National Bank names new president

Inside INdiana Business Radio On Demand

Play Episode Listen Later Jul 22, 2025 5:11


Inside INdiana Business Radio for the afternoon of July 22, 2025. Fishers-based drone delivery company Arrive AI is planning to triple its workforce by hiring about 40 new workers. Old National Bank has named a new president and chief operating officer. And the newly formed Spencer County Economic Development Authority is looking to spur development and growth in the southwest Indiana community. Get the latest business news from throughout the state at InsideINdianaBusiness.com.

Blue Alpine Cast - Kryptowährung, News und Analysen (Bitcoin, Ethereum und co)
Bitcoin auf 120'000 USD! Pump.fun ICO erfolgreich, 500 Mio. USD in 12 Min., Pudgy Penguins mit 30% im Kursgewinn, CZ, Binance und die Coinbase Affäre, Bank of England will keine Stablecoins und Tschechische Nationalbank investiert in Coinbase

Blue Alpine Cast - Kryptowährung, News und Analysen (Bitcoin, Ethereum und co)

Play Episode Listen Later Jul 14, 2025 14:13


Alles auf Aktien
Regenbogen-Rendite und Was tun mit 100.000 Euro?

Alles auf Aktien

Play Episode Listen Later Jul 4, 2025 18:58


In der heutigen Folge sprechen die Finanzjournalisten Daniel Eckert und Christoph Kapalschinski über einen Diversity-ETF, neue Verwirrung um Robinhood und Rekordstände zum Independence Day. Außerdem geht es um Data Dog, Commerzbank, SAP, ASML, Novo Nordisk, BASF, Nvidia, Apple, Krispy Kream, Hewlett Packard Enterprise, OpenAI, Yum, Kia, Bitcoin, Société Général, Bank Santander, Coca-Cola, National Bank of Greece, Allianz, Michelin, Unilever, Sony, Yum, Kia, Scottish Mortgage Investment Trust, Berkshire Hathaway, ETF iShares Refinitiv Inclusion and Diversity (WKN A2DVK8), iShares EUR Ultrashort Bond ETF (WKN: A1W375), Xtrackers II EUR Overnight Rate Swap (WKN: DBX0A2), Vanguard FTSE All-World ETF thesaurierend (WKN: A2PKXG) und Vanguard FTSE All-World ETF ausschüttend (WKN: A1JX52). Wir freuen uns über Feedback an aaa@welt.de. Noch mehr "Alles auf Aktien" findet Ihr bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter.[ Hier bei WELT.](https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html.) [Hier] (https://open.spotify.com/playlist/6zxjyJpTMunyYCY6F7vHK1?si=8f6cTnkEQnmSrlMU8Vo6uQ) findest Du die Samstagsfolgen Klassiker-Playlist auf Spotify! Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? [**Hier findest du alle Infos & Rabatte!**](https://linktr.ee/alles_auf_aktien) Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

The Rundown
Trump Threatens to Remove Tesla Subsidies, Circle Applies for National Bank Charter

The Rundown

Play Episode Listen Later Jul 1, 2025 9:38


Stock market update for July 1, 2025. Check out our Leading Indicator podcast.This video is for informational purposes only and reflects the views of the host and guest, not Public Holdings or its subsidiaries. Mentions of assets are not recommendations. Investing involves risk, including loss. Past performance does not guarantee future results. For full disclosures, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Public.com/disclosures⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Tagesgespräch
Samstagsrundschau: Martin Schlegel zum engen Spielraum der SNB

Tagesgespräch

Play Episode Listen Later Jun 21, 2025 29:00


Am Donnerstag hat die Nationalbank den Leitzins um 0.25 Prozentpunkte gesenkt auf 0. Reicht das, um die Inflation wieder auf Kurs zu bringen? Oder sind Negativzinsen unausweichlich? Und manipuliert die Schweiz ihre Währung? Kritische Fragen an Nationalbank-Präsident, Martin Schlegel. Für einmal hat die Nationalbank die meisten Beobachterinnen und Beobachter nicht überrascht. Sie begründet die Senkung des Leitzinses auf 0 vor allem mit der Inflation, die aktuell bereits leicht unter Null liegt. Aber reicht dieser weitere Lockerungsschritt wirklich, um die Inflation wieder dahin zu bringen, wo sie gemäss Mandat sein sollte? Bleiben der Nationalbank überhaupt noch andere Mittel, als den Zins bald ins Negative zu drücken? Faktisch sind die Zinsen in gewissen Bereichen bereits ins Negative gekippt. Riskiert die Nationalbank damit, dass die Immobilienblase entsteht, vor der sie seit Jahren warnt? Welche Mittel hat sie überhaupt noch, um gegen ein weiteres Erstarken des Schweizer Frankens vorzugehen, jetzt wo die US-Regierung sie der Währungsmanipulation bezichtigt? Und, was meint der Währungshüter zur Kritik der letzten Schweizer Grossbank an den neuen Bankenregeln, die der Bundesrat vorschlägt? Martin Schlegel ist seit acht Monaten Präsident der Schweizerischen Nationalbank und seit dem ersten Tag stark gefordert. Wie geht er mit der Herausforderung um und was macht er anders als sein Vorgänger Thomas Jordan? Der Präsident der Schweizerischen Nationalbank, Martin Schlegel, nimmt Stellung in der «Samstagsrundschau» bei Klaus Ammann. Ergänzend zum «Tagesgespräch» finden Sie jeden Samstag in unserem Kanal die aktuelle «Samstagsrundschau».

Path to Liberty
BLASTING Hamilton’s National Bank: John Taylor’s Forgotten Takedown

Path to Liberty

Play Episode Listen Later May 23, 2025 38:09


In 1794, John Taylor of Caroline launched a direct assault on Alexander Hamilton's entire financial regime - the national bank, the debt, the funding system, the whole machine. He called it a “political papacy,” a new aristocracy built on paper money, perpetual debt, and lawless power. On this episode, learn about Taylor's forgotten takedown of the system that laid the foundation for the largest government in history. The post BLASTING Hamilton's National Bank: John Taylor's Forgotten Takedown first appeared on Tenth Amendment Center.

Let's Know Things
Money Mules and Matchmakers

Let's Know Things

Play Episode Listen Later Apr 15, 2025 17:36


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

Heads Talk
244 - Stavroula Kampouridou, CEO: Fintech Series, DIAS - Greece as a Cashless Society? And the Movement of Money

Heads Talk

Play Episode Listen Later Apr 6, 2025 62:23


Let us know your thoughts. Send us a Text Message. Follow me to see #HeadsTalk Podcast Audiograms every Monday on LinkedInEpisode Title: