Podcasts about payment systems

Connect with Early Riders // Connect with OnrampPresented collaboratively by Early Riders & Onramp Media…Final Settlement is a weekly podcast covering capital markets, dealmaking, early-stage venture, bitcoin applications and protocol development.00:00 - Government Shutdown and Economic Implications03:03 - Impact of EBT and SNAP on Consumers05:49 - Ledger IPO and Digital Asset Market Dynamics08:33 - Ripple's Valuation and Market Positioning11:52 - FOMO and the Rise of High-Risk Investments14:42 - Innovations in Payment Systems and Merchant Adoption37:24 - Coinbase's New Token Launch Platform44:31 - The Evolution of Custody in Crypto51:01 - Hedge Funds and the Crypto Conflation56:25 - DeFi Exploits and the Complexity of Trust01:01:21 - AI Investments and Public-Private PartnershipsIf you found this valuable, please subscribe to Early Riders Insights for access to the best content in the ecosystem weekly.Links discussed:https://x.com/LukeGromen/status/1986203411331568041https://www.theblock.co/post/378115/ledger-considering-new-york-ipo-or-fundraise-as-demand-for-hardware-wallets-climbs-fthttps://www.reuters.com/business/more-than-half-hedge-funds-invested-crypto-global-survey-says-2025-11-06https://x.com/Balancer/status/1986104426667401241https://www.cnbc.com/2025/11/05/ripple-gets-40-billion-valuation-after-500-million-funding-round.htmlhttps://techcrunch.com/2025/11/06/why-benchmark-made-a-rare-crypto-bet-on-trading-app-fomo-with-17m-series-a/https://www.theblock.co/post/377876/arx-research-raises-6-1-million-usd-seed-round-launch-burner-terminal-stablecoin-fiat-point-of-sale-devicehttps://x.com/KobeissiLetter/status/1987886039847882961?s=20https://www.nbcnews.com/politics/congress/senators-reach-tentative-deal-end-government-shutdown-rcna242401https://x.com/zerohedge/status/1987876356345024775https://x.com/Square/status/1987886908480033186?s=20Keep up with Michael:https://x.com/MTangumahttps://www.linkedin.com/in/mtanguma/Keep up with Brian:https://x.com/BackslashBTChttps://www.linkedin.com/in/brian-cubellis-00b1a660/Keep up with Liam:https://x.com/Lnelson_21https://www.linkedin.com/in/liam-nelson1/

In this second episode of A Scheduling and Payment System that Cares, David Gunther continues his conversation with Emily, CEO of Clubworx, to uncover how a care-first mindset can drive real innovation in Pilates studio management. Picking up from Episode 1; A Scheduling and Payment System That Cares, this discussion dives deeper into how the Club Worx team turns customer feedback into features that truly make a difference, from an evolving member app to an in-app store that gives clients new ways to connect and buy in real time. David and Emily explore what happens when technology meets empathy, how care can shape every decision, every feature, and every relationship in your business.  What You'll Learn How Club Worx transforms client feedback into tangible software improvements Why care is a powerful business strategy, not just a company value How to “close the loop” with clients to build long-term trust What's next for the Club Worx member app and its new in-app store The human side of leadership: balancing innovation, family, and resilience   If you've ever wondered how to make your systems work for you, not against you, this episode reveals how empathy and feedback can power both your technology and your business growth.  Stay tuned: Emily returns for the next episode in this series, where we'll explore the essential reporting and payment tracking features every Pilates studio needs to improve profitability and free up more time to focus on what truly matters: your clients. 

MDJ Script/ Top Stories for October 29th Publish Date:  October 29th Commercial: From the BG Ad Group Studio, Welcome to the Marietta Daily Journal Podcast.    Today is Wednesday, October 29th and Happy Birthday to Richard Dryfuess I’m Keith Ippolito and here are the stories Cobb is talking about, presented by Times Journal 2025 Smyrna Veterans Day Ceremony MUST Ministries opens clinic, offering affordable medical care Metro Atlanta transit payment system refresh coming soon All of this and more is coming up on the Marietta Daily Journal Podcast, and if you are looking for community news, we encourage you to listen and subscribe!  BREAK: INGLES 3 STORY 1: 2025 Smyrna Veterans Day Ceremony  The 2025 Smyrna Veterans Day Ceremony kicks off at 11 a.m. on Nov. 11 at the Veterans Memorial on King Street. It’s free—parking too—and open to everyone. If it rains? No problem, they’ll move it to the Smyrna Community Center. This year’s keynote speaker is retired U.S. Air Force 1st Lt. David “Shark” Waldrop, a man with stories that sound straight out of a movie. Back in 1967, flying an F-105 Thunderchief over North Vietnam, Waldrop chased down MiG-17s at MACH 1.3, dodged missiles, and took out enemy fighters with nerves of steel and a 20mm Gatling gun. Waldrop flew 105 combat missions, survived being shot down, and earned three Silver Stars, three Distinguished Flying Crosses, and 12 Air Medals. After the Air Force, he spent 32 years flying for Delta and even flew F-8 Crusaders as a Marine reservist. He’s a Nashville native, now living in Cobb County with his wife, Sue, and their two grown sons. Don’t miss the chance to hear his incredible story. STORY 2: MUST Ministries opens clinic, offering affordable medical care  MUST Ministries just took a big step forward: on-site health care. On Oct. 1, the nonprofit opened the MUST Care Clinic, offering affordable—or even free—primary and behavioral health care. “Our ‘why’ is simple,” said MUST CEO Ike Reighard at the ribbon cutting. “We’re here to serve our neighbors in need.” The clinic, staffed by Eastchester Family Services, replaces their mobile medical unit with a permanent space, open three days a week. In just 10 days, they’ve already treated 65 people. MUST raised $1.4 million to open the clinic but needs $600,000 annually to keep it running. The clinic, located at 1260 Cobb Parkway North, is open Monday through Wednesday, 9 a.m. to 5 p.m. STORY 3: Metro Atlanta transit payment system refresh coming soon  Heading downtown for a game or concert? If you’re taking MARTA, get ready for some changes—fare gates are getting a 21st-century upgrade. MARTA announced Monday it’s rolling out new contactless fare equipment. The new gates will be easier to use (no more fumbling with cards), and a smartphone app is on the way, letting riders pay with a mobile wallet. Finally. The “Better Breeze” system will also expand to CobbLinc and Ride Gwinnett soon. But don’t toss your old Breeze card just yet—MARTA says the full switch won’t happen until spring. Fares? Still $2.50. “We’re keeping prices steady, but the system? Long overdue for an upgrade,” said MARTA Interim CEO Jonathan Hunt. Oh, and in a few years, you might not even need a wallet at all. Thanks to a new Georgia law, digital driver’s licenses are coming, though police have until 2027 to get the tech to scan them. We have opportunities for sponsors to get great engagement on these shows. Call 770.799.6810 for more info.  We’ll be right back. Break: INGLES 3 STORY 4: KSU associate professor leads effort to strengthen juvenile justice programs through data analysis   Every year, hundreds of kids leave Georgia’s juvenile justice system, hoping for a fresh start. But staying on that path? That’s the hard part. Kennesaw State’s Austin Brown is tackling it head-on with the Annual Recidivism Report, funded by a $62,000 grant from the Georgia Department of Juvenile Justice. Brown’s team digs into the data—messy, complicated, real-world data—to figure out what’s working and what’s not. “These aren’t just numbers,” Brown said. “They’re kids. Real kids with real stories.” One big takeaway? The gap between male and female recidivism rates is shrinking, a sign that programs targeting young men are making a difference. For Brown, it’s not just about stats—it’s about second chances. STORY 5: All Saints’ Sunday at First Presbyterian Church of Marietta  First Presbyterian Church of Marietta, over on Church Street, is inviting the community to join them for All Saints’ Sunday on Nov. 2 in the Great Hall. All Saints’ Day started as a way to honor early Christian martyrs, but over the centuries, it’s become a time to remember anyone whose faith has shaped our lives. Worship services are at 8:30 and 11 a.m., with gratitude and reflection at the heart of it all. Then, from 5 to 6 p.m., there’s a special concert and remembrance service led by Rev. Joe Evans and the Chancel Choir. Expect music selections from Dolly Parton, John Rutter, and Craig Courtney, plus a chance to add loved ones’ names to a prayer weave—a beautiful symbol of love’s lasting connection. Questions? Reach out to Kelly Dewar at kellydewar@fpcmarietta.org or 770-427-0293. Break: STORY 6: Police: Marietta man killed in shooting involving Smyrna police died of self-inflicted wound    A Marietta man who died after a confrontation with Smyrna police last Friday morning was killed by a self-inflicted gunshot wound, according to Smyrna Police. Darrick Desawn Rooks, 46, was found dead in a stolen U-Haul truck after a traffic stop near Concord Road and McClinden Avenue. Initially, the GBI reported that a gunshot was fired from the U-Haul, prompting officers to return fire. However, Smyrna police later clarified that Rooks’ fatal injury was self-inflicted, a conclusion confirmed by the Cobb County Medical Examiner. No officers were hurt. The GBI is still investigating, with findings to be reviewed by the Cobb County District Attorney. STORY 7: SNAP benefits to halt Nov. 1 due to government shutdown Starting Nov. 1, SNAP benefits won’t be available if the federal government shutdown drags on, the Georgia Department of Human Services announced Friday. SNAP, which is fully funded by Congress, relies on federal dollars—money that’s now tied up. The USDA told state officials there’s not enough funding to cover November benefits. For now, recipients can still use whatever’s left on their EBT cards, but after Nov. 1? Those cards won’t work. “Plan ahead,” Human Services urged. “Shop for what you need now.” Check balances at connectebt.com or the mobile app. And don’t submit duplicate applications—it won’t speed things up. We’ll have closing comments after this. Break: INGLES 3 Signoff-   Thanks again for hanging out with us on today’s Marietta Daily Journal Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.mdjonline.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com See omnystudio.com/listener for privacy information.

October 28, 2025- We explore how the state's system of reimbursing domestic violence shelters could be updated to help more families in crisis. Our guests is Joan Gerhardt director of Public Policy and Advocacy for New York State Coalition Against Domestic Violence.

Frank Weigand, Maik Klotz und Oliver Lauer enthüllen, wie neue KI-Protokolle das Payment-System verändern werden. Big-Techs machen es möglich, dass KI-Agenten bald selbstständig einkaufen, verhandeln und bezahlen. Was bedeutet diese Verschiebung, bei der sich die Kundenschnittstelle vom Browser in den Chatbot verlagert? Die drei Digitalexperten untersuchen, welche Rolle die EUDI-Wallet bei der Autorisierung dieser Agenten spielen wird und wie die eID uns hilft, im Zeitalter von Fake News und KI-generierten Inhalten zwischen echt und gefälscht zu unterscheiden. Welche konkreten Schritte Banken und Sparkassen gehen müssen, bevor sie diesen massiven Trend zur KI-gesteuerten Ökonomie komplett verschlafen. Ist das die Zukunft des Payments? Hinweis: Zum Zeitpunkt der Podcast-Aufzeichnung wurde der Google AI-Mode in Deutschland scharfgeschaltet, was potenziell der nächste Standard sein könnte.

Johnv. Maytham chats to Anna Collard from KnowBe4 Africa on the cyber security of online fine paying systems, and how drivers can spot “ghost fines”. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Hlumelo Dwesini, Head Financial Institutions at Absa CIB spoke to Clarence Ford on how African banks are shaping the future of payment systems. Views and News with Clarence Ford is the mid-morning show on CapeTalk. This 3-hour long programme shares and reflects a broad array of perspectives. It is inspirational, passionate and positive. Host Clarence Ford’s gentle curiosity and dapper demeanour leave listeners feeling motivated and empowered. Known for his love of jazz and golf, Clarrie covers a range of themes including relationships, heritage and philosophy. Popular segments include Barbs’ Wire at 9:30am (Mon-Thurs) and The Naked Scientist at 9:30 on Fridays. Thank you for listening to a podcast from Views & News with Clarence Ford Listen live on Primedia+ weekdays between 09:00 and 12:00 (SA Time) to Views and News with Clarence Ford broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/erjiQj2 or find all the catch-up podcasts here https://buff.ly/BdpaXRn Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

In this episode of The AZREIA Show, hosts Marcus Maloney and Mike Del Prete talk with veteran landlord Joe O'Brien about Section 8 housing. With over 20 years of experience in Phoenix, Joe debunks myths, explains the benefits of guaranteed rent, and shares insights on the application process, inspections, and tenant relations. A must-listen for landlords considering Section 8 or looking to sharpen their property management skills. Key Takeaways: 00:46 Debunking Section 8 Myths 02:02 Understanding Section 8 Program 02:36 Landlord Requirements and Inspections 04:12 Tenant Screening and Management Tips 08:53 Rent Prices and Market Comparisons 12:43 Tenant Screening Process 17:19 Payment Systems and Flexibility 18:55 Unexpected Discovery 19:13 Tenant Payments and City Portion 20:25 City of Phoenix Payment Process 21:06 Community Impact of Real Estate Investment 22:40 Debunking Myths About Section 8 Tenants 24:35 Effective Property Management Systems 26:34 Tenant Gratitude and Property Care

Doctors say opting out of insurance is cheaper overall and allows them to spend more time with fewer patients to improve care and guard against burnout.

Payment problems aren't about “bad parents.” They're about broken systems.In this episode of the Schools of Excellence podcast, Chanie exposes the hidden money leak that's quietly draining schools: payment systems. From failed cards and ignored invoices to outdated agreements and manual chasing, every gap in your tuition process pulls focus and drains energy.You'll hear real client stories, from a $15,000 recovery in failed payments to a 90% drop in late tuition within one billing cycle and walk away with practical steps to finally stop chasing money and start leading with clarity.If you're tired of payroll Fridays filled with stress and spreadsheets, this conversation will help you install systems that protect your cash flow, your culture, and your peace of mind.What You'll Learn in This EpisodeWhy most tuition issues are about systems, not parentsThe #1 step to immediately reduce late paymentsHow to install a proactive collection process (not a “hope and faith” system)The role of late fees in protecting your standards and cash flowWhy payment agreements must be reviewed and stored digitallyKey InsightsBroken payment systems = hidden money leaks.Hope is not a collection system. Predictability is.Enforcing policies isn't mean, it protects your staff and your culture.Outdated agreements open the door for confusion and chaos.Memorable Quotes“If you're still chasing tuition, you don't have a payment system, you have a hope and faith system.”“Late fees aren't punishment. They're protection for your cash flow and your peace of mind.”“Your agreements aren't set-and-forget. They're living guardrails that protect your school.”Why This Matters for School LeadersStops financial chaos from undermining your leadershipCreates consistent, predictable revenueProtects your time, energy, and staff trustMoves you from reaction to rhythmResources & Next StepsRequire auto-pay at enrollment (make one-time payment the default)Create a 24-hour failed payment follow-up system with backup cards on fileAutomate late fees to protect cash flow without awkward conversationsReview and digitize all payment agreements this quarter

Learn how Medicare's Prospective Payment System (PPS) eliminates surprise medical bills with fixed, upfront pricing! In this podcast, we break down:- What PPS is and how it works- Which services use PPS billing (hospitals, home health, hospice, rehab)- Benefits for patients and providers- Essential features to look for in medical billing softwarePerfect for medical billing professionals, healthcare administrators, and anyone wanting to understand Medicare payment systems better.

Although the proposed rule for the 2026 Inpatient Prospective Payment System (IPPS) has been released by the Centers for Medicare & Medicaid Services (CMS), mastering the complexities will continue to challenge most coders and coding team members. That is why ICD10monitor producers have asked Dr. James S. Kennedy to join the upcoming edition of Talk Ten Tuesdays: to highlight potentially significant roadblocks that are likely to confront coders as they prepare to implement the new rule that becomes effective Oct. 1, 2025.As a sidebar, Dr. Kennedy, along with nationally recognized coding authority Christine Geiger, will team up for the 2026 IPPS Masterclass series, taking place live Aug. 13, 14, and 15.The popular weekly Internet broadcast will also feature these additional instantly recognizable panelists, who will report more news during their segments:• CDI Report: Cheryl Ericson, Director of clinical documentation integrity (CDI) for the vaunted Brundage Group, will have the latest CDI updates.• The Coding Report: Christine Geiger, Assistant Vice President of Acute and Post-Acute Coding Services for First Class Solutions, will report on the latest coding news.• News Desk: Timothy Powell, ICD10monitor national correspondent, will anchor the Talk Ten Tuesdays News Desk.• MyTalk: Angela Comfort, veteran healthcare subject-matter expert, will co-host the long-running and popular weekly Internet broadcast. Comfort is the Assistant Vice President of Revenue Integrity for Montefiore Health.

Naman Kabra is the co-founder of NodeOps, Naman is building automation infrastructure for Web3 and AI, making node deployment as easy as spinning up an API, and helping protocols scale securely at internet speed. #crypto #blockchain #NodeOps================All Episodes can be found at www.thecryptopodcast.org All about Roy / Brain Gym & Virtual Assistants athttps://roycoughlan.com/------------------About my Guest Naman KabraNaman Kabra is a Web3 innovator with deep experience across infrastructure, product, and ecosystem design. Since 2017, he's worked at the intersection of development, business growth, and user adoption — helping shape the evolution of decentralized systems.Naman previously built one of the first social payment extensions for e-commerce rewards, a product ahead of its time that was later acquired. At Robert Bosch, he led their Centre of Excellence, bridging traditional enterprise with decentralized applications.He's held senior roles at high-impact startups, including Persistence (Binance Labs-backed) and Metasky (Sequoia & Coinbase Ventures-backed), where he focused on scaling community-first products.Now, as co-founder of NodeOps, Naman is building automation infrastructure for Web3 and AI, making node deployment as easy as spinning up an API, and helping protocols scale securely at internet speed.What we Discussed: 00:23 Who is Naman Kabra02:00 Fellow Toastmaster and how he helped him03:50 The Payment System he built09:05 How do they protect from Bots11:10 How to the companies work that help prevent hackers13:25 Does Ai Scare him14:45 Do they Use Ai to grow the Social Media17:25 Case Studies for NodeOps19:40 Explaining the Business to a child22:10 How they earn and pay others23:45 The Stats of the Company to date 25:40 Future Plans for the Company26:40 The Object of NodeOpsHow to Contact Naman Kabrahttps://nodeops.networkhttps://www.youtube.com/@NodeOpsHQhttps://x.com/naman_307 https://x.com/NodeOpsHQ------------------All about Roy / Brain Gym & Virtual Assistants at ⁠https://roycoughlan.com/⁠___________________

 Jon Schemmel has taken SBL Ventures from zero to 23 laundromats in 5 years! Learn how he's done it, the model he uses, the lessons he's learned, and his hopes for the future. Can laundromat be a passive venture? Is more always better? Thoughts to ponder in this episode of The Laundromat Millionaire Show with Dave & Carla Menz.Referenced Links: Our Guest: linkedin https://www.linkedin.com/in/jon-schemmel/ and website http://www.sbl-ventures.com/Our Sponsors: H-M Company Drain Troughs: https://www.draintroughs.comOur Website: https://www.laundromatmillionaire.comOur Online Course: https://dave-menz.mykajabi.com/sales-pageOur Youtube channel: https://youtube.com/c/LaundromatMillionaireOur Podcast: https://laundromatmillionaire.com/podcast/Our Facebook: https://www.facebook.com/laundromatmillionaire/Our Facebook Group: https://www.facebook.com/groups/laundromatmillionaireOur LinkedIn: https://www.linkedin.com/in/dave-laundromat-millionaire-menz/Our Instagram: https://www.instagram.com/laundromatmillionaire/Our laundromats: https://www.queencitylaundry.comOur pick-up and delivery laundry services: https://www.queencitylaundry.com/deliveryOur WDF & Delivery Workshop: https://laundromatmillionaire.com/pick-up-delivery-workshop/Suggested Services Page: https://www.laundromatmillionaire.com/servicesWDF & Delivery Dynamics: A Complete Business Blueprint: https://laundromatmillionaire.com/wdf-delivery-dynamics-a-business-blueprint/LaundroBoost Marketing Company: https://laundroboostmarketing.com/Clean Show Registration: https://the-clean-show.us.messefrankfurt.com/us/en.htmlLaundroworks: https://laundroworks.com/Todd Santoro – Clean Wash Systems https://cleanwashlaundry.com/Connecteam app https://connecteam.com/Alliance Laundry Systems https://alliancelaundry.com/Open Phone https://www.openphone.com/FasCard: https://www.laundrycard.com/products/fascard/Timestamps00:00 Episode 101 Intro 02:29 Jon's Background: Going from zero to 23 laundromats04:40 Beyond a Passive Investor06:52 Getting the 1st Store08:14 Full-time Job + a Side Hustle?11:28 Branding Across the Laundromats12:15 Focused on Turnkey or Fixer Uppers?15:50 Locations18:03 Building a Team20:42 Lessons from Corporate America22:13 The Laundromat Model25:53 Customer Service when Unattended28:01 Payment Systems & Collections30:57 Evaluating a Potential Purchase32:48 Staying Basic or Optimize Revenue Streams38:56 Tips for Managing 23 Locations – Controlling Collections43:50 Entities & Bookkeeping Strategies51:07 Building the Airplane as You Fly – Final Thoughts 

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Deborah Godes and Marla Kugel join Julia Grabo to discuss the major policies proposed in the recently released calendar year 2026 Medicare Hospital Outpatient Prospective Payment System proposed rule.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Credit Union Roundtable: Mid-Year Risk Reports - Our Take on What it Means for CUsEpisode DescriptionIn this inaugural Credit Union Roundtable episode, host Mark Treichel is joined by three industry veterans to break down the OCC's Spring 2025 risk report and what it means for credit unions. Steve Farrar, Todd Miller, and Dennis Bauer bring decades of combined NCUA and credit union experience to analyze the top risk concerns facing the industry.Featured GuestsSteve Farrar - Former NCUA examiner and problem case officer with 30+ years of regulatory experience, including work on the risk-based capital rule and Central Liquidity FacilityTodd Miller - 34-year NCUA veteran, former Director of Special Actions in the Western Region, capital markets specialistDennis Bauer - Recently retired CFO of Ideal Credit Union (grew from $100M to $1B+ during his tenure), former NCUA examinerKey Topics CoveredCommercial Credit Risk (9:00)Rising delinquencies in commercial real estateImpact of interest rate resets on variable rate loansOffice building vacancy concerns post-COVIDNCUA's increased focus on annual review processesNew concentration limit requirements by property typeRetail Credit Performance (18:00)Student loan payment resumption impactsGenerational differences in borrowing behaviorAuto loan portfolio shrinkage trendsRegional economic performance variationsInterest Rate Environment (24:00)Yield curve normalization effectsCD composition changes (13% to 28% of deposits)Underwater investment portfoliosEnhanced stress testing requirements from examinersOperational Risk Challenges (33:00)Cybersecurity incident response planningLegacy system conversion risksCommunication strategies during cyber incidentsCost vs. benefit analysis for security upgradesFraud & Payment Systems (39:00)Elder fraud targeting (timeshare scams example)ATM jackpotting and skimming schemesVenmo usage statistics (85% under 40, $342B in Q1 transfers)Third-party payment system competitionBSA/AML Compliance Burden (45:00)Staffing challenges for smaller credit unionsCreating collaborative BSA officesCommittee-based approach to complianceGrowth & Competition (46:00)Slow loan growth trendsCredit unions gaining deposit market share vs. banksMoney supply impacts on deposit availabilityPricing strategy considerationsAI & Technology Adoption (50:00)Model validation requirementsThird-party vendor risk managementNCUA's AI policy challengesCompetitive advantages vs. compliance risksKey TakeawaysCommercial Real Estate Monitoring: Credit unions should closely watch their CRE portfolios, especially office properties and loans approaching rate resetsStress Testing Expansion: Expect more detailed scenario analysis requests from NCUA examiners across interest rate and liquidity risksOperational Risk Investment: Cybersecurity and system conversion planning require significant ongoing investment and expertiseGenerational Shifts: Adapting to younger members' payment preferences and borrowing behaviors is critical for long-term growthAI Adoption Strategy: Credit unions need to embrace AI while implementing proper model validation and risk management frameworksResources MentionedOCC Spring 2025 Risk Report (link in show notes)Credit Union Regulatory Guidance podcast (AI-powered audio summaries)Attorney General scam awareness resourcesNotable Quotes"A rolling loan gathers no loss" - Professor Willie Stotts reference on commercial loan repricing challenges"We took the approach that we're gonna have a cyber incident... so we took that approach in developing our incident response plan" - Dennis Bauer on cybersecurity preparation"If you don't have time to do it right, you don't have time to do it over" - On system conversion planningContact InformationMark Treichel - Host, With Flying Colors Podcast Consulting Services: Available for credit union risk management and regulatory guidanceNext Episode PreviewStay tuned for more Credit Union Roundtable discussions featuring industry veterans sharing practical insights on regulatory trends and risk management strategies.This episode provides general information and should not be considered specific regulatory or legal advice. Credit unions should consult with their own advisors and regulatory contacts for guidance on specific situations.

Send us a textEnhancing Payment Solutions: A Deep Dive with Yosemite Bent from Titanium PaymentsIn this episode of 'The Wireless Way,' the host converses with Yosemite Bent, the Head of Strategic Partnerships at Titanium Payments. Celebrating five years of podcasting success, the host introduces Yosemite, highlighting his extensive background in financial technology and payment solutions. The discussion covers Yosemite's journey in the payment industry, significant trends, and how Titanium Payments is addressing market challenges, particularly in reducing transaction costs and integrating omnichannel payment systems. The episode also explores the competitive landscape of the payments industry, the potential for partnerships, and how technology consultants can leverage payment solutions to offer more value and unlock new revenue streams for their clients. Fun anecdotes and insights into Yosemite's unique name add a personal touch to this informative conversation.00:00 Introduction and Gratitude00:49 Guest Introduction: Yosemite Bent01:47 Yosemite's Background and Experience01:55 The Importance of Payments in Technology04:22 Yosemite's Journey into the Payment Industry06:35 Challenges in the Payment Market07:34 Titanium Payments' Solutions and Innovations08:44 Verticals and Client Success Stories12:23 Partner Opportunities and Sales Strategies13:55 Understanding Payment Statements15:01 Cross-Selling Opportunities in Contact Centers15:34 Mobile Payment Solutions15:58 Setting Minimum Deal Requirements16:54 Understanding Customer Business17:53 Unique Use Cases in Payment Processing20:34 Partner Opportunities and Competition22:33 Sales Cycle and Partner Involvement25:14 Podcast Conclusion and Final ThoughtsMore on Titanium PaymentsMore On Yosemite BentSupport the showCheck out my website https://thewirelessway.net/ use the contact button to send request and feedback.

Ash sits down with Mandy Madeline from Pay Proudly, a payment processing company with a unique understanding of dental practices. Drawing from her 18 years of experience in the dental field—from dental assisting to leadership and operations—Mandy shares how Pay Proudly is helping dental offices streamline payment systems, launch in-house membership programs, and ultimately improve patient experiences and practice profitability.Ash and Mandy discuss the benefits of integrating payment processing with practice management software, ways to minimize manual entry errors, and solutions for managing recurring payments. They also explore the rising trend of surcharging fees, what it means for dental practices, and why transparency and compliance are key when implementing new payment models. Whether you're an established practice or just starting out, you'll hear practical tips on optimizing payment systems, retaining patients, and boosting your bottom line.To find out more or connect with Mandy, visit: https://www.payproudly.com/.Key Topics Discussed:Mandy Madeline's career in dental practice operationsPay Proudly's integration with practice management systemsCard vaulting and recurring paymentsSimplified in-house membership program setupCost savings through surcharging and compliance considerationsDetailed and simplified end-of-day reconciliation and reportingTransparent analysis of payment processing feesImportance of customer support and relationship buildingMigration timeline and training for switching systems

Jacob and Rob respond to listener feedback about negativity by focusing on positive trends, including declining violent crime and drug overdose rates in the U.S. They then dive into a high-level exploration of stablecoins—what they are, why they matter, and the potential risks and geopolitical implications of their rise. They compare the U.S. approach to stablecoins with the digital currency strategies of China and the EU, unpack the difference between innovation and systemic risk, and ask whether the erosion of trust in financial systems is worth the trade-off. A thoughtful, wide-ranging conversation on money, power, and volatility.--Timestamps:(00:00) - Intro(01:44) - Positive Trends in Crime and Health(09:58) - The Volatility Spiral and Technological Change(16:06) - Introduction to Stable Coins(22:36) - Regulation and Risks of Stable Coins(27:11) - Global Perspectives on Stable Coins(35:15) - Innovation in Payment Systems(35:28) - Central Bank Digital Currencies vs. Stablecoins(36:10) - Ideological Differences in Digital Currencies(36:24) - Stablecoins: Private Money and Regulation(37:17) - European Digital Euro Approach(39:28) - US Legislation on Stablecoins(41:36) - Risks and Regulations of Stablecoins(56:25) - International Perspectives on Digital Currencies(01:00:40) - Geopolitical Implications of Digital Currencies(01:12:42) - Conclusion and Future Discussions--Referenced in the Show:--Jacob Shapiro Site: jacobshapiro.comJacob Twitter: x.com/JacobShap--The Jacob Shapiro Show is produced and edited by Audiographies LLC. More information at audiographies.com --Jacob Shapiro is a speaker, consultant, author, and researcher covering global politics and affairs, economics, markets, technology, history, and culture. He speaks to audiences of all sizes around the world, helps global multinationals make strategic decisions about political risks and opportunities, and works directly with investors to grow and protect their assets in today's volatile global environment. His insights help audiences across industries like finance, agriculture, and energy make sense of the world.--This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Casey Hingtgen - COO of Whale in this episode talks about the process of building a system of pulling and pushing without inter-mingling the funds.Goal of the system in question:- making sure that money is guaranteed to the landlords. Ability to lock the funds in the FDIC-insured funds.- for the renter (user): easy to fund the account. As frictionless as possible.Find us on Substack and join 7k+ people who read about payments' intricacies every month! https://aftfinance.substack.com/

Are you ready to sell your products or services, but feel stuck or overwhelmed at the question, "How do I actually get paid?" You're not alone, many new business owners get tripped up when it comes to setting up payment systems. In this episode, Suzy Wraines demystifies the process, explaining exactly what you need to prepare (spoiler: a separate business bank account is a must!), and which payment processors are easiest and most reliable for new entrepreneurs. Learn the differences between popular options like Stripe, PayPal, and Square, why tracking payments matters, and how to integrate finances smoothly from day one. Say goodbye to confusion and start accepting payments with confidence, tune in to ensure you're set up and ready when your first client says "yes"! The first step to leave the healthcare system and start a business is listening to the Starting a Business Simplified Podcast: https://www.startingabusinesssimplified.com/podcast Starting a Business Simplified Website https://www.startingabusinesssimplified.com/ Episode #121 Get full access to Starting a Business Simplified at startingabusinesssimplified.substack.com/subscribe

WMAL GUEST: TOM ROUSSEY (WJLA Reporter) on New Metro Payment System IN THE NEWS: Metro Launches Credit Card Tap-to-Pay System at Rail Stations SOCIAL MEDIA: X.com/TomRoussey7News Where to find more about WMAL's morning show: Follow Podcasts on Apple, Audible and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Thursday, May 29, 2025 / 8 AM HourSee omnystudio.com/listener for privacy information.

In the 5 AM hour, Larry O’Connor and Mercedes Schlapp discussed: Tap. Ride. Go! Metro launches new payment system State Department says it will 'aggressively' revoke visas for Chinese students Last living grandson of 10th U.S. President John Tyler, a link to a bygone era, dies at 96 US judge blocks Trump from suspending Biden-era migrant 'parole' programs Where to find more about WMAL's morning show: Follow Podcasts on Apple, Audible and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Thursday, May 29, 2025 / 5 AM HourSee omnystudio.com/listener for privacy information.

Watch The X22 Report On Video No videos found Click On Picture To See Larger PictureCanada elected Carney, this was expected. Now Canada is going to head in the opposite direction of the US, it will enter a recession. Trump trapped Canada into renegotiating the USMCA. Bessent reveals the plan to bring back manufactures and says that tariffs will replace income tax. The [DS] is losing ground every step of the way. The agencies are now being cleaned out, the FBI has now confirmed that those within the agency are being given a lie detector test. Trump has now shutdown the [DS] payment system making it much more difficult to launder money. The [DS] is almost out of power, when Trump has them so weak he will attack. The WH put out a message, flyeaglesfly which refers to Bill Clinton. Will the Clinton's be on the run in the end?   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy https://twitter.com/EndWokeness/status/1917044090094412224 Carney is moving forward with the green deal and the great reset, watch Canada implode.  How the NAFTA/USMCA 2025 Review Underpins President Trump Remarks on Canada Only President Trump could get the Canadians to vote for an exit to the USMCA, and he did it brilliantly. To understand President Trump's position on Canada, you have to go back to the 2016 election and President Trump's position on the NAFTA renegotiation.  If you did not follow the subsequent USMCA process, this might be the ah-ha moment you need to understand Trump's strategy. During the 2016 election President Trump repeatedly said he wanted to renegotiate NAFTA, the North American Free Trade Agreement.  Both Canada and Mexico were reluctant to open the trade agreement to revision, but ultimately President Trump had the authority and support from an election victory to do exactly that. In order to understand the issue, you must remember President Trump, Commerce Secretary Wilbur Ross and U.S. Trade Representative Robert Lighthizer each agreed the NAFTA agreement was fraught with problems and was best addressed by scrapping it and creating two seperate bilateral trade agreements. One between the USA and Mexico, and one between the USA and Canada. In the decades that preceded the 2017 push to redo the trade pact, Canada had restructured their economy to: (1) align with progressive climate change; and (2) take advantage of the NAFTA loophole.  The Canadian government did not want to reengage in a new trade agreement. Canada has deindustrialized much of their manufacturing base to support the ‘environmental' aspirations of their progressive politicians.  Instead, Canada became an importer of component goods where companies then assembled those imports into finished products to enter the U.S. market without tariffs.  Working with Chinese manufacturing companies, Canada exploited the NAFTA loophole. Justin Trudeau was strongly against renegotiating NAFTA, and stated he and Chrystia Freeland would not support reopening the trade agreement.  President Trump didn't care about the position of Canada and was going forward.  Trudeau said he would not support it.  Trump focused on the first bilateral trade agreement with Mexico. When the U.S. and Mexico had agreed to terms of the new trade deal and 80% of the agreement was finished, representatives from the U.S. Chamber of Commerce informed Trudeau that his position was weak and if the U.S. and Mexico inked their deal, Canada would be shut out. The key points to remember are: (1) Trump, Ross and Lighthizer would prefer two separate bilateral trade agreements because the U.S. import/export dynamic was entirely different between Mexico and Canada.

 At the end of January, the Trump administration pushed out a top Treasury department official after he refused to give DOGE access to the government's vast payment system. We're talking to him today. It's one of his first public interviews since leaving the civil service.David Lebryk was the highest ranking civil servant in the Treasury Department, and one of the most senior civil servants in the federal government. He was responsible for overseeing the Bureau of the Fiscal Service, which. Puts out more than 90% of federal payments every year, more than a billion transactions, more than $5 trillion.One note for listeners: Lebryk did not want to go into the blow by blow of his leaving the administration early this year. Instead, we talk about a bunch of other things that I think you'll find highly relevant, how the Bureau of the Fiscal Service works, how it should work, and why Lebryk thinks DOGE's plans for it won't work out the way they intend. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.statecraft.pub

Allen Kopelman, CEO and Founder of Nationwide Payment Systems, takes us behind the curtain of the rapidly evolving payments landscape, sharing insights gained from his fascinating career transition from restaurant chef to payments industry leader. Since founding his company in 2001, Allen has navigated multiple industry transformations, positioning his business to thrive amid technological disruption.The conversation reveals a fundamental shift in merchant priorities: "Today businesses are buying tech first, merchant services second." This observation frames Allen's provocative assertion that "Software is the new ISO."Looking ahead, Allen identifies several critical trends reshaping payments: the dominance of software-driven solutions, the impact of the FTC's "click-to-cancel" rule on recurring transactions, and potential interchange fee adjustments from card networks. He offers a compelling perspective on artificial intelligence as well, revealing how his company has leveraged AI to dramatically improve SEO performance and predicting that "people who know how to use AI will replace people who don't use AI."Ready to gain insights from a payments veteran who's successfully navigated decades of industry evolution? This episode delivers practical wisdom you can apply immediately to your payments business or career.

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Send us a textIn this episode of the Laundromat Resource Podcast, hosted by Jordan Berry, we dive into the world of payment systems with a special guest, Stacey Cooper from KioSoft. This episode is not one to miss if you're interested in understanding the dynamics of payment options in today's laundromat industry. Stacey shares his expertise on the evolution of payment systems, including the rise and surprising decline in some digital methods, while also giving insights into how owners and customers are adapting to these changes. With a rich background in cashless payments, Stacey offers valuable perspectives on the trends shaping the industry and the technological advancements improving the customer and owner experience alike. Whether you're curious about the right system for your business or how to future-proof your payment options, Stacey's insights are packed with practical tips and industry knowledge. Tune in to discover more about the winners and losers in payment systems today and how you can leverage these tools to streamline your operations and better serve your customers.In this episode, Jordan and Nick discuss:00:00 "Gaming Technology in Laundry Market"06:09 Scaling Technology in Laundromat Industry13:31 Mobile Technology Implementation Insights16:32 Reducing Transaction Friction Points23:12 "Cold Weather Convenience: Face ID"31:30 "Quarter Market Systems Expansion"32:20 Custom Coin Hardware Solutions39:52 "Essential Laundry Service Benefits"45:43 PE Influence in Laundromat Valuation53:31 Market Consolidation in Store Ownership55:54 Future of Distributor Consolidation01:02:45 "Future of Distributor Networks"01:07:17 "Integrating Complex Software Solutions"01:15:40 Flexible Distribution Model Benefits01:17:46 Becoming a One-Stop Solution01:27:12 Laundromat Adds Dog Wash Stations01:32:59 Choosing Tide for Laundry Experience01:35:08 "KioSoft Sales and Services"Show Noteshttps://laundromatresource.com/show190ResourcesWebsite- https://kiosoft.com/laundry-solutions/Email- sales@kiosoft.comPhone- USA Only: 888.546.7638 Outside USA: +1.561.810.5936Social Media:LinkedIn: https://www.linkedin.com/company/kiosoft-technologies/ Instagram: https://www.instagram.com/kiosofttechnologies/Facebook: https://www.facebook.com/kiosofttechnologiesinc/Connect With UsYouTubeInstagramFacebookLinkedInTwitterTikTok

In this episode we interview Deon Crasto.  Deon started his product management career at OnDeck Capital, a small business lending platform, where he focused on payments growth. He currently leads payments and ML- driven risk assessment at Velocity Global. Deon and I discussed the importance of curiosity and problem-solving in product management. We talked about the significance of metrics, and in particular, how to avoid vanity metrics. Deon shared some of the challenges of aligning teams with company goals and navigating regulations in experimentation.  Use the discount code PODCAST for $50 off a ticket to our upcoming Testing Business Ideas with ChatGPT Workshop on April 29th: www.eventbrite.com/e/1309306534089/?discount=PODCAST

Our guest on this episode of Data Driven Finance is Gretchen Rodriguez, Head of Product for Payments at TD Bank. She approaches products with an entrepreneur's mindset and has designed and launched products in fintech, e-commerce, cybersecurity, and identity & trust. Gretchen spent time as Product Owner at eBay, serves on a couple of boards, and is a product adviser to Med Fem Wellness. We talk about emerging payments and the ecosystems that support it. Topics covered include: The way we pay for products and services is changing. Consumer behaviors around how they make and want to make online payments. The ideal end game for payments from a consumer's point of view. The obstacles still in the way of seamless, superior payment systems. How can we accomplish the interconnectivity required for improved payment experiences? The opportunities open banking offers for opening and funding accounts. Additional benefits of connectivity for business account holders. The payment enhancements that are being explored today. A warning for the banks allowing themselves to fall behind.

In this episode of the Tyler Tech Podcast, we explore how resilient payment and disbursement systems help governments maintain stability, serve residents more effectively, and adapt to disruption.Morgan Jines, vice president of payments, and Brad Labrum, vice president of operations for disbursements at Tyler Technologies, join us to discuss how flexibility, accessibility, and cloud-based infrastructure are shaping the future of government financial operations. They explain how resilient systems support everything from utility payments and license renewals to vendor disbursements and emergency relief, ensuring critical transactions continue without interruption.Throughout the conversation, Morgan and Brad share insights into how governments can reduce fraud risk, support residents living paycheck to paycheck, and modernize with confidence. They also highlight the role of data, predictive analytics, and digital payment methods in strengthening resilience across the financial landscape.Tune in to learn how modern payment strategies are helping governments remain secure, efficient, and resident-focused, no matter what challenges arise.This episode also highlights Tyler Connect 2025, our annual conference designed to bring public sector professionals together to empower, collaborate, and imagine. Join us in San Antonio, Texas, from May 11-14, 2025, for product training, networking, and inspiration to help drive your organization forward. Early registration is now open — visit tylertech.com/connect to secure your spot!Blog: Let's Empower, Collaborate, and Imagine at Connect 2025!And learn more about the topics discussed in this episode with these resources:Download: How to Create a Unified Digital Payment ExperienceDownload: Infographic: The Government Payment DeficitDownload: Seeking a Modernized Payment ExperienceVideo: Unlocking Payment EfficiencyVideo: How Is an Integrated Payments System Benefiting a City?Blog: Transforming Government Payments Through a Unified PlatformBlog: How Cloud-Based Solutions Expand Access to State ServicesBlog: Bridging Financial Gaps for Unbanked ResidentsBlog: Unlocking Decision-Making With Revenue and Transaction DataBlog: Transforming Government Payments: 2024 Research InsightsBlog: What Are the Benefits of an Integrated Payments Solution?Podcast: The Benefits of a Unified Digital Government Payment SystemListen to other episodes of the podcast.Let us know what you think about the Tyler Tech Podcast in this survey!

32: Subway Sanitation, Hochul's Reparation Folly, Albany's Criminal Coddling Democrats, NYU-Langone's Transgender Kerfuffle & Musk's Dangerous Takeover of Treasury's Payment Systems.Welcome to episode thirty-two of David & Stu… Unhinged! As always, we'd like to thank Clara Wang for creating the fantastic artwork for this podcast. In this episode, David and Stu cover the following:1) Stu's encounter with a young lady on the subway on her way to school clipping her nails but redeeming herself by not littering;2) Kathy Hochul's reparation committee and the outrageousness of making any such payments when slavery ended 150 years ago and the victims of which are long dead;3) Albany liberals refused to reform NY's criminal justice reform laws even when asked to do so by state district attorneys, including the pro-criminal Manhattan DA, fat Alvin Bragg.4) NYU-Langone Medical Center's refusal to perform gender-affirming surgery on minors due to Trump's executive order, which threatens to pull funding of providers performing such procedures; and5) Trump's dangerous decision to allow Elon Musk access to US Treasury payment systems could potentially jeopardize our national security and finances since Musk has no legal authority to assume this role or much oversight.Connect with David & Stu: • Email David & Stu: davidandstuunhinged@gmail.com and share your comments, concerns, and questions.The views expressed on air during David & Stu... Unhinged! do not represent the views of the RAGE Works staff, partners, or affiliates. Listener discretion is advised.

Even though current LLM providers usually charge flat rates regardless if the subscriber is a ‘power user' or not, as AI agents become the workhorses of the online economy, a dynamic AI-to-AI payments infrastructure would prove crucial for proper remuneration. Nevermined proposes a blockchain-agnostic, AI-agnostic credit system, that each builder can use to implement custom pricing strategies for their users. As the next trillion transactions will be mostly performed by AI agents, a universal payment system would help streamline integrations and economic interactions.Topics covered in this episode:Don's backgroundIntegrating payment systems in the agentic economyMarketplaces vs. payment systemsAI agentic economyFixed vs. variable pricing strategiesLicense tokenizationSettlement and payment for AI agentsEstimating price and avoiding overchargesNevermined's tech stack and integrationsValue propNevermined metricsEpisode links:Don Gossen on XNevermined on XSponsors:Gnosis: Gnosis builds decentralized infrastructure for the Ethereum ecosystem, since 2015. This year marks the launch of Gnosis Pay— the world's first Decentralized Payment Network. Get started today at - gnosis.ioChorus One: one of the largest node operators worldwide, trusted by 175,000+ accounts across more than 60 networks, Chorus One combines institutional-grade security with the highest yields at - chorus.oneThis episode is hosted by Friederike Ernst.

Concerns about access Elon Musk was given to the federal payment system has prompted an audit by the Treasury Department's inspector general. AP correspondent Donna Warder reports.

Listen to the rest of this premium episode by subscribing at patreon.com/knowyourenemyThe first three weeks of Donald Trump's second administration have seen a flurry of vicious executive orders aimed at the federal workforce, trans people, government agencies, and others—all while Elon Musk and his deranged band of young sociopaths, otherwise known as the "Department of Government Efficiency," have been set loose on the Treasury's payment system and other key functions of the state. In this episode, we talk with John Ganz to try to make sense of it all: how to avoid getting sucked into the political quicksand of debating conservatives about line items in a budget, what Trump and Musk really want, how "presidential" political systems break down, and, generally, how to think about What's Happening Now.Sources:James Burnham, The Machiavellians: Defenders of Freedom (1943)— The Managerial Revolution: What Is Happening in the World  (1941)George Orwell, "Second Thoughts on James Burnham," Polemic, May 1946John Ganz, "What Happened Here," Unpopular Front, Feb 4, 2024Nathan Tankus, "Elon Musk Wants to Get Operational Control of the Treasury's Payment System," Notes on the Crises, Feb 3, 2024Karen Yourish, et al, "All of the Trump Administration's Major Moves in the First 17 Days," New York Times, Feb 6, 2024Yoni Applebaum, "America's Fragile Constitution," The Atlantic, Oct 2015Eric Rauchway, Why the New Deal Matters (2021)

P.M. Edition for Feb. 5. Representatives from Elon Musk's Department of Government Efficiency have been reviewing data at the Centers for Medicare and Medicaid Services. WSJ reporter Anna Wilde Mathews tells us what we know about the kind of data they're looking at, and why. Plus, President Trump signs an executive order banning transgender girls and women from participating in school and college sports. We hear from WSJ White House correspondent Natalie Andrews about the impact of the order. And Google announces a rollback of its diversity hiring targets. Alex Ossola hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Trump administration's efforts to reshape Washington may have major implications for the payments industry. One of the biggest developments? Elon Musk's team has reportedly gained access to key Treasury payment systems, which could change how federal payments are processed.  In this episode of the IPA Payments Pod, IPA CEO Brian Tate joins Ben Jackson to break down:  What Musk's access to federal payment systems could mean for payments innovation and competition.  The potential role of the newly announced X Money Account in processing government payments.  Privacy and security concerns related to access to taxpayer and benefits recipients' data.  The latest changes at the CFPB and what they could mean for payments regulation.  This podcast was recorded on February 4, 2025. Keep in mind that developments may have occurred since then.  Stay Informed with IPA:  Subscribe to the podcast and share it with colleagues to stay up to date on critical industry developments.  IPA members, be sure to attend our regular government relations and fraud prevention calls for the latest updates.  Join us in Washington, DC, from April 29 to May 1 for the Innovative Payments Conference to hear from regulators, lawmakers, and industry leaders. Learn more and register at IPA.org.   

Elon Musk has invaded Washington. He has set loose a pack of feral teenage code monkeys with a god complex inside every federal agency, promising to do for Washington what he did for Twitter. What could possibly go wrong? Oh, and Musk also has a plan to “rightsize” the government by waving unenforceable contracts at federal employees to induce them into resigning. There's a Fork in the Road all right, but this one is perhaps best not taken. Links: Nat'l Counsel of Nonprofits v. OMB (“Nonprofits Case”) docket https://www.courtlistener.com/docket/69583571/national-council-of-nonprofits-v-office-of-management-and-budget/   Elon Musk Wants to Get Operational Control of the Treasury's Payment System. This Could Not Possibly Be More Dangerous by  https://www.crisesnotes.com/elon-musk-wants-to-get-operational-control-of-the-treasurys-payment-system-this-could-not-possibly-be-more-dangerous/ Office of Personnel Management “Fork in the Road” https://www.opm.gov/fork   OPM Guidance on Schedule Policy/Career (formerly Schedule F) https://chcoc.gov/sites/default/files/OPM%20Memorandum%20re%20Schedule%20Policy%20Career%20Guidance%2001-27-25%20FINAL.pdf   American Federation of Gov't Employees v. Trump docket https://www.courtlistener.com/docket/69588089/american-federation-of-government-employees-afl-cio-v-trump/   VSIP 5 U.S.C. § 3521 et seq. https://www.law.cornell.edu/uscode/text/5/part-III/subpart-B/chapter-35/subchapter-II   Truman EO 9830 https://www.presidency.ucsb.edu/documents/executive-order-9830-amending-the-civil-service-rules-and-providing-for-federal-personnel   Show Links: https://www.lawandchaospod.com/ BlueSky: @LawAndChaosPod Threads: @LawAndChaosPod Twitter: @LawAndChaosPod Patreon: patreon.com/LawAndChaosPod

Disorder is a podcast where we hate being right. Totally hate it. Jason truly loves being wrong.  But fudge and fiddlesticks. Seems he is right again. The thing with neo-populists is that they don't so much have policy agendas and goals, they just seek to disorder the universe by say – proposing to fire in a haphazard way 2 million U.S. government employees, or forcing out top FBI officials, or appointing officials for Senate confirmation to head government agencies that have overtly said they want to dismantle those specific agencies, or by randomly proposing to deport Palestinians from Gaza to Jordan against their will.    On today's Emergency Cast, Jane and Jason spontaneously convene to deal with peak disorder and delve into all the interlocking crises, dead catting, plane crashing, impounding, tariff barrier erecting, and AID stopping that has come to a head during Trump's Second Week of his Second Term.    In the Ordering the Disorder segment, Jane wonders how much of the world will respond by trying to figure out how to decouple - slowly, gradually, cautiously – from the U.S. because U.S. politics does not exactly seem at its most stable. And Jason muses that Canada, Mexico, the UK and the EU could have chosen to present a united front to Trump, but appear to have elected not to.        Producer: George McDonagh  Executive Producer: Neil Fearn    Subscribe to our Substack: https://natoandtheged.substack.com/    Show Notes Links       This is a most compelling podcast from the 538 about the ways in which the Trump Presidency threatens the constitutional balance of powers and how the issue of Impoundment is at the very core of the structural and legal threat of Trumpism to 're-do' the underlying structures of America: https://podcasts.apple.com/gb/podcast/fivethirtyeight-politics/id1077418457?i=1000687276109     From the Washington Post, ‘Senior U.S. official exists after rift with Musk Allies of Payment System': https://www.washingtonpost.com/business/2025/01/31/elon-musk-treasury-department-payment-systems/    From CNN, ‘Inside 45 hours of chaos: The brief life and quick death of Trump's federal spending freeze': https://www.cnn.com/2025/01/29/politics/inside-brief-life-trump-federal-spending-freeze/index.html    From CNN, ‘Trump suggests his plan for Gaza Strip is to ‘clean out the whole thing”':   https://www.cnn.com/2025/01/25/politics/trump-gaza-strip-jordan-egypt/index.html?fbclid=IwY2xjawIJDhZleHRuA2FlbQIxMQABHfyYNmWDBz3iKiscGQHjvHQx_ZfwOPriV_8VGZmlxTh1JhZ-_NiNKbntsw_aem_rjBE8gcyRVXKVXMhTc-mAQ     From Congressional Democrats, ‘Background on Unlawful Impoundment in President Trump's Executive Orders' https://democrats-appropriations.house.gov/news/fact-sheets/background-unlawful-impoundment-president-trumps-executive-orders   Learn more about your ad choices. Visit podcastchoices.com/adchoices

Lawmakers are raising concerns about Elon Musk's access to the Treasury Department's payment systems. Senate Banking Committee Ranking Member Elizabeth Warren and Senate Finance Committee Ranking Member Ron Wyden are both pressing Treasury Secretary Scott Bessent for more details. In separate letters, both Warren and Wyden say the DOGE team's access to Treasury systems poses major legal and security concerns. They also ask whether any safeguards are in place to protect sensitive data. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Lawmakers are raising concerns about Elon Musk's access to the Treasury Department's payment systems. Senate Banking Committee Ranking Member Elizabeth Warren and Senate Finance Committee Ranking Member Ron Wyden are both pressing Treasury Secretary Scott Bessent for more details. In separate letters, both Warren and Wyden say the DOGE team's access to Treasury systems poses major legal and security concerns. They also ask whether any safeguards are in place to protect sensitive data. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Time stamps: Introducing Mike Belshe (00:00:42) Mike Belshe's Background (00:01:58) Self-Custody vs. Institutional Custody (00:02:05) Multi-Signature Technology (00:03:56) Understanding Multi-Party Computation (00:04:51) Advancements in Cryptography (00:05:53) BitGo's Role in Tokenizing Bitcoin (00:08:26) Defining DeFi's Importance (00:09:09) Mike's Technology Background (00:12:12) Inspiration from Tim Berners-Lee (00:14:57) Bitcoin's Zero Click Payments (00:17:11) Bitcoin Custodianship Issues (00:17:36) Challenges of Bitcoin Payments (00:18:25) Scaling Bitcoin and Lightning Network (00:19:20) Bitcoin's Role in Digital Money (00:20:13) Layer Two Solutions and Drivechains (00:21:15) Scaling Discussions in Bitcoin's History (00:22:31) Sidechains and Their Limitations (00:23:16) Innovation vs. Immutability (00:24:29) Importance of Real Applications (00:25:32) Privacy and Fungibility in Bitcoin (00:28:42) Lessons from TCP/IP and Blockchain Privacy (00:30:51) Regulatory Concerns and Privacy Solutions (00:32:53) Understanding the Static of Security (00:34:01) SideShift (00:34:59) Bitcoin's Civil War: Block Size Wars (00:35:54) Human Decisions in Bitcoin (00:36:16) Historical Proposals and Interpretations (00:37:10) Challenges of Block Space and Fees (00:37:58) Bitcoin Consensus (00:38:48) SegWit and Its Implications (00:39:41) Gavin Andresen's Role in Bitcoin (00:42:00) Bitcoin's Resilience Against Adversaries (00:42:13) Need for Enhanced Security (00:43:05) Strategic Bitcoin Reserve in the USA (00:44:30) El Salvador's Currency Strategy (00:45:19) Self-Custody Concerns (00:49:13) Security Measures for Self-Custody (00:50:17) Privacy as a Solution (00:50:43) Self-Custody Options (00:51:14) Family Legacy and Custody Challenges (00:52:24) Public Key Cryptography Innovation (00:52:28) HODLING.ch (00:53:29) Protecting Against Government Confiscation (00:54:15) Multi-Custodial Model Explanation (00:54:21) Hardware Wallets Discussion (00:56:03) Safety Deposit Box Concerns (00:58:03) Trade-offs in Security Solutions (00:58:56) Onboarding New Users (01:00:09) Edge Wallet Features (01:01:01) BitGo's Wallet Recovery Wizard (01:03:02) BitGo vs. Casa (01:05:08) Multi-Signature Security (01:05:46) Early Adoption of Multi-Sig (01:09:10) Building a New Monetary System (01:11:54) Regulatory Changes in the US (01:13:49) Impact of MiCA in Europe (01:15:32) War on Cash (01:16:17) Global Financial Systems (01:18:03) Zero Knowledge Proofs (01:19:48) Zcash Discussion (01:20:04) Privacy Technologies in Bitcoin (01:21:18) Challenges of On-chain Traceability (01:22:26) Philosophy on Transaction Privacy (01:23:19) Concerns About Privacy Adoption (01:24:51) Historical Context of TCP/IP Security (01:25:34) Bitcoin as Digital Gold (01:27:24) Ethereum's Role in DeFi (01:29:01) Benefits of Smart Contracts (01:32:01) Reflections on Bitcoin's Journey (01:33:25) Future of Bitcoin (01:34:30) Lightning Network Fees (01:36:12) Trade-offs in Payment Systems (01:38:01) Adoption of Bitcoin and Early Adoption Costs (01:42:01) Long-term Viability of Bitcoin Mining (01:44:38) The Future of Bitcoin and Layer Solutions (01:47:17) Community Response to Bitcoin Vulnerabilities (01:49:01) Satoshi's Vision for Mining (01:51:11) Satoshi's Intentions (01:52:35) Empathy for Satoshi (01:54:16) 0 to 1 Concept (01:54:24) Bitcoin's Anniversary (01:55:53) Centralization in Crisis (01:56:33) Zero Knowledge Proof Bug (01:57:45) Following Mike Belshe's Work (01:58:45)

Yannick Trapman-O'Brien joins us again to share some valuable insights on what I think is an especially great episode of our Bonus Show. He tells us about how he accidentally got admitted to college in Abu Dhabi, and we also talk about the importance of Arts Funding and Grants, and how to leverage it. Yannick takes a very thoughtful approach to designing his intimate experiences, and he really gets deeper into how he crafts his shows. He also talks to us about his work with Temple of the Stranger, and David tells a story about a memorable incident at a San Francisco escape room tour.  In this clip, we dig deeper into his philosophy on payment systems and other design elements and discuss how they signal and set expectations for the audience. He also tells us about the three things you need to be a great artist.   If you enjoy these previews, I hope you'll consider joining our Patreon. For only $5 a month, you'll get access to our Bonus Aftershow, where we continually release new episodes, even in our REPOD off-season.

This week we're joined by Gillian Gillett of CalITP and Dan Baker, of the Connecticut Department of Transportation to discuss how agencies can create simpler payment and travel experiences for transit riders.  We chat about the Connecticut Integrated Mobility Project, building payment system capacity and merchant services for smaller transit agencies, and the need for digital customer first thinking in a paper based industry. +++ Follow us on twitter @theoverheadwire Follow us on Mastadon theoverheadwire@sfba.social Follow us on Threads or Instagram @theoverheadwire Support the show on Patreon http://patreon.com/theoverheadwire Buy books on our Bookshop.org Affiliate site!  And get our Cars are Cholesterol shirt at Tee-Public! And everything else at http://theoverheadwire.com  

BRICS Kazan, new payment system

Apple has initiated a plan to take 30% of all transactions made through the Patreon iOS app. That has caused creators to panic, spreading misinformation and making poorly thought-out claims. Many people trying to explain the situation to their backers got their facts wrong, hurting their own revenue. Dave and Brad sit down and sort out the facts from the friction.On today's show:Dave's Comic-Con report: 5% drop in sales after a 38% rise in the previous yearPatreon and the iOS appUPDATE: Kangaroo wienersHand lettering tipsSummaryIn this episode, Dave and Brad discuss their recent experiences at Comic-Con and other conventions. They talk about the success of their booths, the impact of new products, and the excitement of meeting fans. They also touch on the importance of maximizing booth space and creating a visually appealing display. The conversation segues into a discussion about the National Cartoonist Society and the potential for future convention appearances. Overall, the episode highlights the joy and satisfaction of participating in conventions as creators.In the next part of the conversation, Brad and Dave discuss Patreon's payment system for iOS users and share tips on traditional lettering. Brad recalls using an Ames lettering guide, while Dave explains his process of using a digital font that resembles his handwriting. They emphasize the importance of clarity and readability in lettering and suggest techniques such as flipping the artwork to identify and fix issues.TakeawaysConventions like Comic-Con allow creators to connect with fans and sell their merchandise.Maximizing booth space and creating an appealing display can enhance the overall experience for attendees.New products and exclusives can generate excitement and boost sales at conventions.The National Cartoonist Society offers opportunities for members to showcase their work at conventions.Meeting fans and receiving positive feedback can be a rewarding experience for creators. San Diego Comic-Con is a fun event, but exhibiting there can be expensive and may not be recommended for everyone.Patreon has announced changes to its payment system for iOS users. New memberships purchased through the iOS app will now be subject to Apple's 30% fee.Creators have the option to eat the cost of the fee or encourage new subscribers to join through the desktop version of the Patreon website.The conversation takes a humorous turn as Brad and Dave discuss kangaroos with multiple vaginas, highlighting the fascinating and sometimes bizarre aspects of biology. Confusion over a scene in a movie can lead to humorous conversations.Traditional lettering techniques include using an Ames lettering guide or a reference font.Clarity and readability are key in hand letteringDeveloping a personal style in lettering takes timeSupporting Comic Lab on Patreon helps sustain the show   You get great rewards when you join the ComicLab Community on Patreon$2 — Early access to episodes$5 — Submit a question for possible use on the show AND get the exclusive ProTips podcast. Plus $2-tier rewards.Brad Guigar is the creator of Evil Inc and the author of The Webcomics Handbook. Dave Kellett is the creator of Sheldon and Drive.