Podcasts about payments

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How do you decide when, what, and how much to eat? If your answer is based on rules, restriction, or outdated nutrition advice and it's not working this episode is for you.Coach Mary breaks down the hidden ways your current decision-making framework might be sabotaging your food addiction recovery, fueling binge eating, and keeping you stuck in the start over, stop, start over cycle.You'll learn why popular beliefs like “everything in moderation” or “just count your calories” are not only unhelpful but harmful for anyone with a history of disordered eating.Tune in to discover a better way to make food decisions one rooted in food sobriety, real nourishment, and long-term recovery.This episode will challenge your thinking, expose the nutrition lies you've been taught, and help you build a new foundation for food freedom.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideNEW Free Food Sobriety Mini Course - https://www.foodfreedomwithmary.com/minicoursefoodsobrietyFacebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkDo you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformJoin my Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Instagram: www.instagram.com/ketomary71 Facebook: www.Facebook.com/ketomary71 YouTube: https://youtube.com/@ketomary7114Website: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com Want to learn more about me and my coaching programs? Watch my program video: www.foodfreedomwithmary.com/programvideoOnline Course: https://www.foodfreedomwithmary.com/foodfreedomcourse

In a surprise, Tesla is reportedly working on adding Apple CarPlay to its vehicles. Plus: Tesla sweeps the global EV sales charts for September, Ford CEO Jim Farley says his company was "shocked" when they took apart a Tesla Model 3, and more! If you enjoy the podcast and would like to support my efforts, please check out my Patreon at https://www.patreon.com/teslapodcast and consider a monthly or (10% discounted!) annual pledge. Every little bit helps and there are stacking bonuses in it for you at each pledge level, like early access to each episode at the $5 tier and the weekly Lightning Round bonus mini-episode (AND the early access!) at the $10 tier! And NO ADS at every Patreon tier! Also, don't forget to leave a message on the Ride the Lightning hotline anytime with a question, comment, or discussion topic for next week's show! The toll-free number to call is 1-888-989-8752. INTERESTED IN A FLEXIBLE EXTENDED WARRANTY FOR YOUR TESLA? Be a part of the future of transportation with XCare, the first extended warranty designed & built exclusively for EV owners, by EV owners. Use the code Lightning to get $100 off their "One-time Payment" option! Go to www.xcelerateauto.com/xcare to find the extended warranty policy that's right for you and your Tesla. P.S. Get 15% off your first order of awesome aftermarket Tesla accessories at AbstractOcean.com by using the code RTLpodcast at checkout. Grab the SnapPlate front license plate bracket for any Tesla at https://everyamp.com/RTL/ (don't forget the coupon code RTL too!). 

Thank you to our sponsors! Uniswap  Mantle For decades, the internet has worked without a native way to pay for things. Credit cards were bolted on, platforms built their own integrations, and developers had to stitch together complex payment flows to charge even a few cents for anything. But with AI agents now making requests, triggering actions, and needing to pay for data or services instantly, that old patchwork is starting to break. In this episode, Laura Shin speaks with Erik Reppel, Head of Engineering for Coinbase's Developer Platform, and Sam Ragsdale, founder of Merit Systems, about x402, a new open standard for internet-native payments designed for the AI era. They discuss why AI has revived a decades-old idea, how x402 works under the hood, why devs say the experience is simpler than traditional payments, and how stablecoins make microtransactions economically viable. They also dive into the big debates: no chargebacks, chain-agnostic design, the shift to a foundation, and how this standard could eventually work with fiat as well. Guests: Sam Ragsdale, Founder and CEO of Merit Systems Erik Reppel, Head of Engineering at Coinbase Developer Platform Links: X402 x402scan ERC-8004: Trustless Agents Payments MCP: Bringing Wallets, Onramps, and Payments to Every Agent Google Agentic Payments Protocol + x402: Agents Can Now Actually Pay Each Other Timestamps:

Jim and Chris discuss listener questions on Social Security claiming timing with a listener PSA on application details, Social Security earnings rules at FRA, estate planning organization systems, and restrictions for annuity payments. (15:30) Georgette shares a PSA about the Social Security application process and asks whether applying for benefits to start the month she […] The post Social Security,Estate Planning PSA, Annuity Payments: Q&A #2546 appeared first on The Retirement and IRA Show.

In this episode of the Food Freedom Podcast, Mary breaks down one of the most overlooked keys to lasting food sobriety: joy. Most women battling food addiction or emotional eating don't realize they're not just overeating they're trying to fill a void. They're using food to numb emotions, escape stress, or create a moment of happiness in an unfulfilled life. This episode explores how finding passion, purpose, and joy in your daily life can completely change your relationship with food.You'll learn why food used to feel like your only pleasure source, why passion matters in recovery, and how to begin rediscovering what lights you up so food is no longer your escape. When you build a life that excites you, food becomes fuel… not a crutch.If you're ready to stop obsessing about food and start thriving again, this episode will show you the path.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcFacebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkDo you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformJoin my Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Instagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 YouTube: https://youtube.com/@ketomary7114Website: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com Want to learn more about me and my coaching programs? Watch my program video: www.foodfreedomwithmary.com/programvideoOnline Course: https://www.foodfreedomwithmary.com/foodfreedomcourse

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In this episode of The Trawl, Jemma and Marina dive head-first into a planet-sized pile of billionaire bullshit — starting with the news that Elon Musk is on track to become the world's first trillionaire. Yes, trillionaire. As in: “bigger than the GDP of Saudi Arabia” trillionaire.They roll out a brand-new listener-made jingle for the “Trickle Down Update of the Week” and ask: What on earth is Tesla doing? internet?And as the Epstein situation develops, Trump is playing chicken with the food-stamp programme that keeps 42 million Americans fed. Payments frozen, families panicking, the Supreme Court involved, and Trump using hunger as a bargaining chip. Marina and Jemma discuss the fallout, the food-bank queues, the voters caught in the middle, and the grim Oval Office moment that shows exactly how little he cares.Then: chaos at The New York Times, where a catastrophically misjudged opinion piece sparks the question: who keeps approving this?!And finally, JoJoFromJerz delivers pudding - a clip that lands somewhere between cathartic, furious, poignant and funny.Enjoy!Thank you for sharing and do tweet us @MarinaPurkiss @jemmaforte @TheTrawlPodcast Patreonhttps://patreon.com/TheTrawlPodcast Youtubehttps://www.youtube.com/@TheTrawl Twitterhttps://twitter.com/TheTrawlPodcastIf you've even mildly enjoyed The Trawl, you'll love the unfiltered, no-holds-barred extras from Jemma & Marina over on Patreon, including:• Exclusive episodes of The Trawl Goss – where Jemma and Marina spill backstage gossip, dive into their personal lives, and often forget the mic is on• Early access to The Trawl Meets…• Glorious ad-free episodesPlus, there's a bell-free community of over 3,300 legends sparking brilliant chat.And it's your way to support the pod which the ladies pour their hearts, souls (and occasional anxiety) into. All for your listening pleasure and reassurance that through this geopolitical s**tstorm… you're not alone.Come join the fun:https://www.patreon.com/TheTrawlPodcast?utm_campaign=creatorshare_creator Hosted on Acast. See acast.com/privacy for more information.

Confession time is either a cry for help or a gentle reminder to get it together. In this episode, we're diving into some wild Reddit money confessions about how people got into debt and we're going to give some insight on what we'd do if we were in their situation.

Natasha is joined by Dr. Lisa Diamond and Dr. Scout on this episode of the Natasha Helfer Podcast. This is a powerful episode as, in Lisa's words: "Scout and I have witnessed the entire birth and now destruction of the field of queer and trans mental and physical health (Scout is 60, I'm 54), so we have lived through this whole weird arc of seeing lgbtq health become a legitimate profession, and now it's being threatened—it's both personally and professionally devastating for both of us to witness this happening. "It is astounding that at a time when we recently survived a global pandemic that left so many people feeling isolated in ways that has profoundly affected our mental and physical health… and at a time when we have very clear data on the risk of suicide and lessened wellbeing for the LGBTQI+ community due to societal discrimination… that the government is choosing to dismantle and destroy so many departments/entities meant to support the health, science and data collection of ALL Americans." Dr. Diamond and Dr. Scout have created a survey for anyone affected by the current administration. Please consider filling it out. "We launched the study with zero funding, it's driven by pure love and panic, and it's affecting EVERYONE who loves or works with queer or trans people, including family members, friends, social workers, physicians, school, teachers, therapist, educators, EVERYONE. All of us are going through something, and we are going through this at the same time that the federal government has CEASED all data collection on our health. So Scout and I figured "OK, you don't wanna do this? We're just gonna have to do it ourselves." Go here to fill out the survey: https://csbsutah.co1.qualtrics.com/jfe/form/SV_9WyKRPONJuL67Yy?fbclid=IwY2xjawOEdthleHRuA2FlbQIxMABicmlkETFoOW43aDJMdnNGb1kwSThZc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHkWvMqhUx7OYFY_0kbvt2yVu911j1Ch5DAnsBloLDDgUw1CHSZ3BRNwBhq3A_aem_2e27bX8Xk_kP7utbPv482g Also, if you're an organization that would like to partner with this project reach out to: research@cancer-network.com From Natasha: I loved Lisa's reminder that we survive oppression and destruction through connection. This is a small thing we can do to make a difference and that in of itself is healing and empowering. Please take the 20-25 minutes to fill out this survey. And please forward it to anyone you know who is impacted. Scout, PhD (they/he) is the Executive Director of the National LGBTQI+ Cancer Network and the principal investigator of both the CDC-funded LGBTQI+ tobacco-related cancer disparity network and Out: The National Cancer Survey. They spend much of their time providing technical assistance for tobacco and cancer focusing agencies expanding their reach and engagement with LGBTQI+ populations. Scout has a long history in health policy analysis and a particular interest in ensuring research and surveillance activities include LGBTQI+ people. They have faculty appointments at Dartmouth Cancer Center and Boston University's school of public health. They are a member of FDA's Tobacco Products Scientific Advisory Committee, on the Advisory Panel for NIH's All of Us initiative, and a former member of NIH Council of Councils as well as former Co-Chair of the NIH Sexual and Gender Minority Research Office Work Group. Their work has won them recognition from the U.S. House of Representatives, two state governments, and many city governments. Scout is an openly nonbinary and trans father of three, an avid hiker, and is currently training for the aptly named Dopey Challenge races at Disney. Lisa M. Diamond, Ph.D., is a Distinguished Professor of Psychology and Gender Studies at the University of Utah and a past president of the International Academy for Sex Research. For nearly 30 years, she has studied gender and sexuality across the lifespan, with current work centered on social safety and its impact on the health and well-being of LGBTQ+ individuals. Dr. Diamond is internationally recognized for her pioneering research on sexual fluidity, including her award-winning book Sexual Fluidity (Harvard University Press). She co-edited the first APA Handbook of Sexuality and Psychology, is a fellow of two APA divisions, and has published over 150 scholarly works. Her research has been supported by major national foundations, and she has delivered more than 200 invited talks worldwide, including a TED Talk with over 700,000 views. — Join Natasha February 11-17th 2026 on a cruise leaving out of Tampa, Florida. You can grab a package and work with Natasha on the ship. Sign up before January 1st and you get the early bird special: Natasha packages: $750 per couple $675 per couple - early bird (before January 1st) Payment plans are available. For further questions, email Mimi at unleashedvacations@gmail.com. Book now to make sure you don't miss out! See you on board. — To help keep this podcast going, please consider donating at natashahelfer.com and share this episode. To watch the video of this podcast, you can subscribe to Natasha's channel on Youtube and follow her professional Facebook page at natashahelfer LCMFT, CST-S. You can find all her cool resources at natashahelfer.com.  The information shared on this program is informational and should not be considered therapy. This podcast addresses many topics around mental health and sexuality and may not be suitable for minors. Some topics may elicit a trigger or emotional response so please care for yourself accordingly. The views, thoughts and opinions expressed by our guests are their own and do not necessarily reflect the views or feelings of Natasha Helfer or the Natasha Helfer Podcast. We provide a platform for open and diverse discussions, and it is important to recognize that different perspectives may be shared. We encourage our listeners to engage in critical thinking and form their own opinions. The intro and outro music for these episodes is by Otter Creek. Thank you for listening. And remember: Symmetry is now offering Ketamine services. To find out more, go to symcounseling.com/ketamine-services. There are also several upcoming workshops. Visit natashahelfer.com or symcounseling.com to find out more.

In this episode, I sit down with Rich Clow, Head of Innovation and Strategy, Global Payments Solutions at Bank of America, to explore how one of the world's largest financial institutions is approaching payments innovation, such as instant payments and digital wallet technology. Rich shares insights into Bank of America's unique perspective, given their scale of serving tens of millions of consumers and small businesses alongside 40,000 global corporates operating across 140+ currencies.The conversation delves into the bank's approach to the Paze digital wallet, why instant payments adoption is lagging behind other markets, and the critical importance of accessing real-time payment data to better serve clients. Rich also discusses the challenges and opportunities of driving innovation at scale as well as partnering with fintechs while ensuring the scalability and resiliency needed to support their massive transaction volumes.In this podcast you will learn:Rich's background and what his role entails at BofA.What consumers, small businesses, wealth management and global corporates have in common when it comes to payments.BofA's global footprint outside this country.Why instant payments has not taken off here as it has in other countries.What use cases for instant payments have the most potential.The gap in the market that the Paze digital wallet is addressing.How they are measuring success with Paze.How their enterprise clients are using Cash Pro, their corporate digital solution.What BofA is looking for when partnering with fintechs.How they decide whether to build, buy, or partner.What Rich is hearing from their clients about use cases for stablecoins.What it is going to take for more payments to occur on the new payments rails.How their corporate clients are able to work with fintechs through BofA.What Rich is most excited about for the future of payments.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

CFOs are abandoning quarterly planning cycles for week-by-week assessments as trade tensions, tariff uncertainty, and supplier volatility force a new short-term reality onto financial leadership. Seamus Smith, EVP and Group President of Automated Finance at FIS, and Chrissy Wagner, SVP of GTM at FIS, break down how finance leaders can balance urgent risk management with strategic growth positioning through data quality, automation, and AI. Smith and Wagner reveal that cybersecurity tops the list of CFO concerns, but inefficient processes and lack of visibility into money flows are the real operational killers, particularly as organizations grow through M&A. They explain how FIS helped clients navigate recent tariff disruptions through better data visibility, why paper checks remain one of the biggest fraud vectors in modern finance, how supply chain finance is underutilized in the US compared to Europe, and why AI is already delivering $3.70 in returns for every dollar invested in credit underwriting and collections.

Welcome to a special 4dFi podcast exploring the latest trends and technologies reshaping finance. I'm Zack Miller, Tearsheet's Editor in Chief. Today, we're unpacking the rise of AI agents and their potential to transform how consumers interact with financial services. I'm joined by my partners Russell Weiss, an AI expert and startup builder, and Josh Liggett, a seasoned fintech investor. Together, we'll bring a multidimensional view to this complex space. We'll dive into real-world examples like Capital One's Chat Concierge, which has driven a 55% boost in customer engagement by automating key tasks across thousands of auto dealer sites. Looking ahead, we'll consider the implications for traditional banks. Will they invest billions in proprietary AI models, or cede ground to big tech and infrastructure players increasingly embedding financial services? We don't have all the answers but want to open up with good questions and thinking about where things are headed. We'll also explore how the evolution of AI agents could intersect with web3, crypto, and asset tokenization to enable digital transactions. Russell and Josh will weigh in on which players are poised to thrive in this new era of AI-powered finance. There's a lot to cover, but one thing is clear: AI is no longer a far-off possibility for banks. It's a present-day reality redefining what's possible. Stay tuned for a thought-provoking discussion of the opportunities and challenges ahead.

In this week's episode of the Merchant Sales Podcast, James Shepherd shares a replay from a recent live event with partners at TCG, diving deep into today's high-risk landscape—and why VAMP is creating massive disruption for Shopify merchants. James breaks down what high-risk accounts really are, how VAMP is triggering holds and shutdowns across Shopify, and why this shift is driving a surge of merchants urgently seeking new processing options. You'll also hear insights on how agents and ISOs can capture these opportunities by leveraging the Full Stack Payments app in partnership with TCG. After the replay, stick around for Today in Payments with James and Patti Murphy as they unpack the latest industry headlines, including major developments around the Visa–Mastercard settlement and other news shaping the week.

In this episode of the Food Freedom Podcast, Mary puts on her health-coach hat and breaks down one of the most misunderstood topics in nutrition: cholesterol. If you've been told that “lower is always better,” this episode will challenge everything you think you know.Mary explains why cholesterol is essential for brain health, hormone balance, mental clarity, mood stability, and long-term recovery from food addiction. You'll learn what actually causes low cholesterol, how it impacts things like anxiety, depression, fatigue, brain fog, cravings, and motivation and why many women in food addiction recovery are unknowingly struggling with cholesterol that's too low.This episode is packed with practical guidance on optimal cholesterol ranges, whole-food fats that support healing, what labs to ask for, and how stress, sleep, and past dieting can all affect your levels. If fear of fat or old nutrition myths are holding you back from full recovery, this is a must-listen.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideNEW Free Food Sobriety Mini Course - https://www.foodfreedomwithmary.com/minicoursefoodsobrietyFacebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkDo you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformJoin my Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Instagram: www.instagram.com/ketomary71 Facebook: www.Facebook.com/ketomary71 YouTube: https://youtube.com/@ketomary7114Website: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com Want to learn more about me and my coaching programs? Watch my program video: www.foodfreedomwithmary.com/programvideoOnline Course: https://www.foodfreedomwithmary.com/foodfreedomcourse

Welcome to todays Flying Talkers….We are glad that you are hereToday we talk to A Global Leader Making Payments Safe AndEasy……Todd Pigeon is a senior P&L leader with expertisedriving revenue capture, operations, sales enablement, and customer experienceinitiatives for businesses with complex end-to-end supply chain and logisticschallenges. Todd is Vice President of Sales at PayCargo, aleading service provider in logistics finance services. FlyingTypers hadthe opportunity to exchange views with Todd on his career and role in thecompany from his office in Miami.

YeePay is a leading payment service provider that delivers payment solutions for enterprises across industries, including airline & travel, new retail, fintech, administration & education, and cross-border transactions.Prior to founding YeePay, Chen held various roles at Oracle, John Deere Health Care, and AT&T Bell Labs, and served as a director at the Silicon Valley enterprise SVC Wireless. He also co-founded NetVan, a nonprofit promoting internet adoption in traditional industries, and advised China Central Television's documentary The Internet Age, where he interviewed leaders such as Elon Musk, Mark Zuckerberg, Peter Thiel, Reid Hoffman, Jerry Yang, Vint Cerf, and Kevin Kelly.In this episode, you will hear about: The entrepreneurial landscape in China in the early 2000s: challenges and opportunities of building a startup at that time.How YeePay evolved its business model as WeChat Pay and Alipay entered the market.Broader insights on Web3, cross-border transactions, globalization, and the growing role of AI in the future of the payment industry.

Thousands of federal contractors today are watching their inboxes, waiting for a message from their agency customers that their invoices for work done over the last two months have been accepted. Many of those bills are more than 30 days old, triggering interest payments due to the companies. At least one veteran owned HUBZone firm has about $20 million in outstanding invoices that are now more than 30 days old. Federal News Network's executive editor Jason Miller joins me to discuss why agencies now face a new challenge with the shutdown ending, complying with the Prompt Payment Act. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Myths, Mysteries & Misconceptions #25: Whole Life Insurance Has Permanent High PaymentsMany people would have you believe that whole life insurance is has permanent high payments that you can “never get away from” in later life/retirement. Question: Why would one *want to pay as much premium as possible, as often as possible and for as long as possible? (That's a much better question!)I understand that folks would want things to simplify and have their finances to be more passive later in life/ in retirement. Paying significant premiums over as long of a period of time as possible is actually the most advantageous way for our personal economy to have guarantees, growth, access to capital, maintain control of our financing/spending, operate with tax advantages, etc and ultimately achieve intergenerational financial independence and autonomy. Understand this for yourself and you can take back control, and profit, from the banking function in your life, with Infinite Banking. There's more to this misleading idea than at “face value” (pun intended;)Let's clear this myth up!⚔️ LIVE & LEAVE A LASTING LEGACY

Die EU baut gerade das Betriebssystem für unsere künftige digitale Identität. Welche Rolle spielt Deutschland? Wie passen EUDI-Wallet, EIDAS 2.0, AMLR zusammen? Genau darüber spricht Maik Klotz in der neuen Podcast-Folge mit Philipp Angermann und Philipp Wegmann von Signicat:

Live from Morgan Stanley's European Tech, Media and Telecom conference in Barcelona, our roundtable of analysts discuss artificial intelligence in Europe, and how the region could enable the Agentic AI wave.Read more insights from Morgan Stanley.----- Transcript -----Paul Walsh: Welcome to Thoughts on the Market. I'm Paul Walsh, Morgan Stanley's European head of research product. We are bringing you a special episode today live from Morgan Stanley's, 25th European TMT Conference, currently underway. The central theme we're focused on: Can Europe keep up from a technology development perspective?It's Wednesday, November the 12th at 8:00 AM in Barcelona. Earlier this morning I was live on stage with my colleagues, Adam Wood, Head of European Technology and Payments, Emmet Kelly, Head of European Telco and Data Centers, and Lee Simpson, Head of European Technology Hardware. The larger context of our conversation was tech diffusion, one of our four key themes that we've identified at Morgan Stanley Research for 2025. For the panel, we wanted to focus further on agentic AI in Europe, AI disruption as well as adoption, and data centers. We started off with my question to Adam. I asked him to frame our conversation around how Europe is enabling the Agentic AI wave. Adam Wood: I mean, I think obviously the debate around GenAI, and particularly enterprise software, my space has changed quite a lot over the last three to four months. Maybe it's good if we do go back a little bit to the period before that – when everything was more positive in the world. And I think it is important to think about, you know, why we were excited, before we started to debate the outcomes. And the reason we were excited was we've obviously done a lot of work with enterprise software to automate business processes. That's what; that's ultimately what software is about. It's about automating and standardizing business processes. They can be done more efficiently and more repeatably. We'd done work in the past on RPA vendors who tried to take the automation further. And we were getting numbers that, you know, 30 – 40 percent of enterprise processes have been automated in this way. But I think the feeling was it was still the minority. And the reason for that was it was quite difficult with traditional coding techniques to go a lot further. You know, if you take the call center as a classic example, it's very difficult to code what every response is going to be to human interaction with a call center worker. It's practically impossible. And so, you know, what we did for a long time was more – where we got into those situations where it was difficult to code every outcome, we'd leave it with labor. And we'd do the labor arbitrage often, where we'd move from onshore workers to offshore workers, but we'd still leave it as a relatively manual process with human intervention in it. I think the really exciting thing about GenAI is it completely transforms that equation because if the computers can understand natural human language, again to our call center example, we can train the models on every call center interaction. And then first of all, we can help the call center worker predict what the responses are going to be to incoming queries. And then maybe over time we can even automate that role. I think it goes a lot further than, you know, call center workers. We can go into finance where a lot of work is still either manual data re-entry or a remediation of errors. And again, we can automate a lot more of those tasks. That's obviously where, where SAP's involved. But basically what I'm trying to say is if we expand massively the capabilities of what software can automate, surely that has to be good for the software sector that has to expand the addressable markets of what software companies are going to be able to do. Now we can have a secondary debate around: Is it going to be the incumbents, is it going to be corporates that do more themselves? Is it going to be new entrants that that benefit from this? But I think it's very hard to argue that if you expand dramatically the capabilities of what software can do, you don't get a benefit from that in the sector. Now we're a little bit more consumer today in terms of spending, and the enterprises are lagging a little bit. But I think for us, that's just a question of timing. And we think we'll see that come through.I'll leave it there. But I think there's lots of opportunities in software. We're probably yet to see them come through in numbers, but that shouldn't mean we get, you know, kind of, we don't think they're going to happen. Paul Walsh: Yeah. We're going to talk separately about AI disruption as we go through this morning's discussion. But what's the pushback you get, Adam, to this notion of, you know, the addressable market expanding? Adam Wood: It's one of a number of things. It's that… And we get onto the kind of the multiple bear cases that come up on enterprise software. It would be some combination of, well, if coding becomes dramatically cheaper and we can set up, you know, user interfaces on the fly in the morning, that can query data sets; and we can access those data sets almost in an automated way. Well, maybe companies just do this themselves and we move from a world where we've been outsourcing software to third party software vendors; we do more of it in-house. That would be one. The other one would be the barriers to entry of software have just come down dramatically. It's so much easier to write the code, to build a software company and to get out into the market. That it's going to be new entrants that challenge the incumbents. And that will just bring price pressure on the whole market and bring… So, although what we automate gets bigger, the price we charge to do it comes down. The third one would be the seat-based pricing issue that a lot of software vendors to date have expressed the value they deliver to customers through. How many seats of the software you have in house. Well, if we take out 10 – 20 percent of your HR department because we make them 10, 20, 30 percent more efficient. Does that mean we pay the software vendor 10, 20, 30 percent less? And so again, we're delivering more value, we're automating more and making companies more efficient. But the value doesn't accrue to the software vendors. It's some combination of those themes I think that people would worry about. Paul Walsh: And Lee, let's bring you into the conversation here as well, because around this theme of enabling the agentic AI way, we sort of identified three main enabler sectors. Obviously, Adam's with the software side. Cap goods being the other one that we mentioned in the work that we've done. But obviously semis is also an important piece of this puzzle. Walk us through your thoughts, please. Lee Simpson: Sure. I think from a sort of a hardware perspective, and really we're talking about semiconductors here and possibly even just the equipment guys, specifically – when seeing things through a European lens. It's been a bonanza. We've seen quite a big build out obviously for GPUs. We've seen incredible new server architectures going into the cloud. And now we're at the point where we're changing things a little bit. Does the power architecture need to be changed? Does the nature of the compute need to change? And with that, the development and the supply needs to move with that as well. So, we're now seeing the mantle being picked up by the AI guys at the very leading edge of logic. So, someone has to put the equipment in the ground, and the equipment guys are being leaned into. And you're starting to see that change in the order book now. Now, I labor this point largely because, you know, we'd been seen as laggards frankly in the last couple of years. It'd been a U.S. story, a GPU heavy story. But I think for us now we're starting to see a flipping of that and it's like, hold on, these are beneficiaries. And I really think it's 'cause that bow wave has changed in logic. Paul Walsh: And Lee, you talked there in your opening remarks about the extent to which obviously the focus has been predominantly on the U.S. ways to play, which is totally understandable for global investors. And obviously this has been an extraordinary year of ups and downs as it relates to the tech space. What's your sense in terms of what you are getting back from clients? Is the focus shifts may be from some of those U.S. ways to play to Europe? Are you sensing that shift taking place? How are clients interacting with you as it relates to the focus between the opportunities in the U.S. and Asia, frankly, versus Europe? Lee Simpson: Yeah. I mean, Europe's coming more into debate. It's more; people are willing to talk to some of the players. We've got other players in the analog space playing into that as well. But I think for me, if we take a step back and keep this at the global level, there's a huge debate now around what is the size of build out that we need for AI? What is the nature of the compute? What is the power pool? What is the power budgets going to look like in data centers? And Emmet will talk to that as well. So, all of that… Some of that argument's coming now and centering on Europe. How do they play into this? But for me, most of what we're finding people debate about – is a 20-25 gigawatt year feasible for [20]27? Is a 30-35 gigawatt for [20]28 feasible? And so, I think that's the debate line at this point – not so much as Europe in the debate. It's more what is that global pool going to look like? Paul Walsh: Yeah. This whole infrastructure rollout's got significant implications for your coverage universe… Lee Simpson: It does. Yeah. Paul Walsh: Emmet, it may be a bit tangential for the telco space, but was there anything you wanted to add there as it relates to this sort of agentic wave piece from a telco's perspective? Emmet Kelly: Yeah, there's a consensus view out there that telcos are not really that tuned into the AI wave at the moment – just from a stock market perspective. I think it's fair to say some telcos have been a source of funds for AI and we've seen that in a stock market context, especially in the U.S. telco space, versus U.S. tech over the last three to six months, has been a source of funds. So, there are a lot of question marks about the telco exposure to AI. And I think the telcos have kind of struggled to put their case forward about how they can benefit from AI. They talked 18 months ago about using chatbots. They talked about smart networks, et cetera, but they haven't really advanced their case since then. And we don't see telcos involved much in the data center space. And that's understandable because investing in data centers, as we've written, is extremely expensive. So, if I rewind the clock two years ago, a good size data center was 1 megawatt in size. And a year ago, that number was somewhere about 50 to 100 megawatts in size. And today a big data center is a gigawatt. Now if you want to roll out a 100 megawatt data center, which is a decent sized data center, but it's not huge – that will cost roughly 3 billion euros to roll out. So, telcos, they've yet to really prove that they've got much positive exposure to AI. Paul Walsh: That was an edited excerpt from my conversation with Adam, Emmet and Lee. Many thanks to them for taking the time out for that discussion and the live audience for hearing us out.We will have a concluding episode tomorrow where we dig into tech disruption and data center investments. So please do come back for that very topical conversation. As always, thanks for listening. Let us know what you think about this and other episodes by leaving us a review wherever you get your podcasts. And if you enjoy Thoughts on the Market, please tell a friend or colleague to tune in today.

Live from Morgan Stanley's European Tech, Media and Telecom Conference in Barcelona, our roundtable of analysts discusses tech disruptions and datacenter growth, and how Europe factors in.Read more insights from Morgan Stanley.----- Transcript -----Paul Walsh: Welcome to Thoughts on the Market. I'm Paul Walsh, Morgan Stanley's European Head of Research Product. Today we return to my conversation with Adam Wood. Head of European Technology and Payments, Emmet Kelly, Head of European Telco and Data Centers, and Lee Simpson, Head of European Technology. We were live on stage at Morgan Stanley's 25th TMT Europe conference. We had so much to discuss around the themes of AI enablers, semiconductors, and telcos. So, we are back with a concluding episode on tech disruption and data center investments. It's Thursday the 13th of November at 8am in Barcelona. After speaking with the panel about the U.S. being overweight AI enablers, and the pockets of opportunity in Europe, I wanted to ask them about AI disruption, which has been a key theme here in Europe. I started by asking Adam how he was thinking about this theme. Adam Wood: It's fascinating to see this year how we've gone in most of those sectors to how positive can GenAI be for these companies? How well are they going to monetize the opportunities? How much are they going to take advantage internally to take their own margins up? To flipping in the second half of the year, mainly to, how disruptive are they going to be? And how on earth are they going to fend off these challenges? Paul Walsh: And I think that speaks to the extent to which, as a theme, this has really, you know, built momentum. Adam Wood: Absolutely. And I mean, look, I think the first point, you know, that you made is absolutely correct – that it's very difficult to disprove this. It's going to take time for that to happen. It's impossible to do in the short term. I think the other issue is that what we've seen is – if we look at the revenues of some of the companies, you know, and huge investments going in there. And investors can clearly see the benefit of GenAI. And so investors are right to ask the question, well, where's the revenue for these businesses? You know, where are we seeing it in info services or in IT services, or in enterprise software. And the reality is today, you know, we're not seeing it. And it's hard for analysts to point to evidence that – well, no, here's the revenue base, here's the benefit that's coming through. And so, investors naturally flip to, well, if there's no benefit, then surely, we should focus on the risk. So, I think we totally understand, you know, why people are focused on the negative side of things today. I think there are differences between the sub-sectors. I mean, I think if we look, you know, at IT services, first of all, from an investor point of view, I think that's been pretty well placed in the losers' buckets and people are most concerned about that sub-sector… Paul Walsh: Something you and the global team have written a lot about. Adam Wood: Yeah, we've written about, you know, the risk of disruption in that space, the need for those companies to invest, and then the challenges they face. But I mean, if we just keep it very, very simplistic. If Gen AI is a technology that, you know, displaces labor to any extent – companies that have played labor arbitrage and provide labor for the last 20 - 25 years, you know, they're going to have to make changes to their business model. So, I think that's understandable. And they're going to have to demonstrate how they can change and invest and produce a business model that addresses those concerns. I'd probably put info services in the middle. But the challenge in that space is you have real identifiable companies that have emerged, that have a revenue base and that are challenging a subset of the products of those businesses. So again, it's perfectly understandable that investors would worry. In that context, it's not a potential threat on the horizon. It's a real threat that exists today against certainly their businesses. I think software is probably the most interesting. I'd put it in the kind of final bucket where I actually believe… Well, I think first of all, we certainly wouldn't take the view that there's no risk of disruption and things aren't going to change. Clearly that is going to be the case. I think what we'd want to do though is we'd want to continue to use frameworks that we've used historically to think about how software companies differentiate themselves, what the barriers to entry are. We don't think we need to throw all of those things away just because we have GenAI, this new set of capabilities. And I think investors will come back most easily to that space. Paul Walsh: Emett, you talked a little bit there before about the fact that you haven't seen a huge amount of progress or additional insight from the telco space around AI; how AI is diffusing across the space. Do you get any discussions around disruption as it relates to telco space? Emmet Kelly: Very, very little. I think the biggest threat that telcos do see is – it is from the hyperscalers. So, if I look at and separate the B2C market out from the B2B, the telcos are still extremely dominant in the B2C space, clearly. But on the B2B space, the hyperscalers have come in on the cloud side, and if you look at their market share, they're very, very dominant in cloud – certainly from a wholesale perspective. So, if you look at the cloud market shares of the big three hyperscalers in Europe, this number is courtesy of my colleague George Webb. He said it's roughly 85 percent; that's how much they have of the cloud space today. The telcos, what they're doing is they're actually reselling the hyperscale service under the telco brand name. But we don't see much really in terms of the pure kind of AI disruption, but there are concerns definitely within the telco space that the hyperscalers might try and move from the B2B space into the B2C space at some stage. And whether it's through virtual networks, cloudified networks, to try and get into the B2C space that way. Paul Walsh: Understood. And Lee maybe less about disruption, but certainly adoption, some insights from your side around adoption across the tech hardware space? Lee Simpson: Sure. I think, you know, it's always seen that are enabling the AI move, but, but there is adoption inside semis companies as well, and I think I'd point to design flow. So, if you look at the design guys, they're embracing the agentic system thing really quickly and they're putting forward this capability of an agent engineer, so like a digital engineer. And it – I guess we've got to get this right. It is going to enable a faster time to market for the design flow on a chip. So, if you have that design flow time, that time to market. So, you're creating double the value there for the client. Do you share that 50-50 with them? So, the challenge is going to be exactly as Adam was saying, how do you monetize this stuff? So, this is kind of the struggle that we're seeing in adoption. Paul Walsh: And Emmett, let's move to you on data centers. I mean, there are just some incredible numbers that we've seen emerging, as it relates to the hyperscaler investment that we're seeing in building out the infrastructure. I know data centers is something that you have focused tremendously on in your research, bringing our global perspectives together. Obviously, Europe sits within that. And there is a market here in Europe that might be more challenged. But I'm interested to understand how you're thinking about framing the whole data center story? Implications for Europe. Do European companies feed off some of that U.S. hyperscaler CapEx? How should we be thinking about that through the European lens? Emmet Kelly: Yeah, absolutely. So, big question, Paul. What… Paul Walsh: We've got a few minutes! Emmet Kelly: We've got a few minutes. What I would say is there was a great paper that came out from Harvard just two weeks ago, and they were looking at the scale of data center investments in the United States. And clearly the U.S. economy is ticking along very, very nicely at the moment. But this Harvard paper concluded that if you take out data center investments, U.S. economic growth today is actually zero. Paul Walsh: Wow. Emmet Kelly: That is how big the data center investments are. And what we've said in our research very clearly is if you want to build a megawatt of data center capacity that's going to cost you roughly $35 million today. Let's put that number out there. 35 million. Roughly, I'd say 25… Well, 20 to 25 million of that goes into the chips. But what's really interesting is the other remaining $10 million per megawatt, and I like to call that the picks and shovels of data centers; and I'm very convinced there is no bubble in that area whatsoever.So, what's in that area? Firstly, the first building block of a data center is finding a powered land bank. And this is a big thing that private equity is doing at the moment. So, find some real estate that's close to a mass population that's got a good fiber connection. Probably needs a little bit of water, but most importantly needs some power. And the demand for that is still infinite at the moment. Then beyond that, you've got the construction angle and there's a very big shortage of labor today to build the shells of these data centers. Then the third layer is the likes of capital goods, and there are serious supply bottlenecks there as well.And I could go on and on, but roughly that first $10 million, there's no bubble there. I'm very, very sure of that. Paul Walsh: And we conducted some extensive survey work recently as part of your analysis into the global data center market. You've sort of touched on a few of the gating factors that the industry has to contend with. That survey work was done on the operators and the supply chain, as it relates to data center build out. What were the key conclusions from that? Emmet Kelly: Well, the key conclusion was there is a shortage of power for these data centers, and… Paul Walsh: Which I think… Which is a sort of known-known, to some extent. Emmet Kelly: it is a known-known, but it's not just about the availability of power, it's the availability of green power. And it's also the price of power is a very big factor as well because energy is roughly 40 to 45 percent of the operating cost of running a data center. So, it's very, very important. And of course, that's another area where Europe doesn't screen very well.I was looking at statistics just last week on the countries that have got the highest power prices in the world. And unsurprisingly, it came out as UK, Ireland, Germany, and that's three of our big five data center markets. But when I looked at our data center stats at the beginning of the year, to put a bit of context into where we are…Paul Walsh: In Europe… Emmet Kelly: In Europe versus the rest. So, at the end of [20]24, the U.S. data center market had 35 gigawatts of data center capacity. But that grew last year at a clip of 30 percent. China had a data center bank of roughly 22 gigawatts, but that had grown at a rate of just 10 percent. And that was because of the chip issue. And then Europe has capacity, or had capacity at the end of last year, roughly 7 to 8 gigawatts, and that had grown at a rate of 10 percent. Now, the reason for that is because the three big data center markets in Europe are called FLAP-D. So, it's Frankfurt, London, Amsterdam, Paris, and Dublin. We had to put an acronym on it. So, Flap-D. Good news. I'm sitting with the tech guys. They've got even more acronyms than I do, in their sector, so well done them. Lee Simpson: Nothing beats FLAP-D. Paul Walsh: Yes. Emmet Kelly: It's quite an achievement. But what is interesting is three of the big five markets in Europe are constrained. So, Frankfurt, post the Ukraine conflict. Ireland, because in Ireland, an incredible statistic is data centers are using 25 percent of the Irish power grid. Compared to a global average of 3 percent.Now I'm from Dublin, and data centers are running into conflict with industry, with housing estates. Data centers are using 45 percent of the Dublin grid, 45. So, there's a moratorium in building data centers there. And then Amsterdam has the classic semi moratorium space because it's a small country with a very high population. So, three of our five markets are constrained in Europe. What is interesting is it started with the former Prime Minister Rishi Sunak. The UK has made great strides at attracting data center money and AI capital into the UK and the current Prime Minister continues to do that. So, the UK has definitely gone; moved from the middle lane into the fast lane. And then Macron in France. He hosted an AI summit back in February and he attracted over a 100 billion euros of AI and data center commitments. Paul Walsh: And I think if we added up, as per the research that we published a few months ago, Europe's announced over 350 billion euros, in proposed investments around AI. Emmet Kelly: Yeah, absolutely. It's a good stat. Now where people can get a little bit cynical is they can say a couple of things. Firstly, it's now over a year since the Mario Draghi report came out. And what's changed since? Absolutely nothing, unfortunately. And secondly, when I look at powering AI, I like to compare Europe to what's happening in the United States. I mean, the U.S. is giving access to nuclear power to AI. It started with the three Mile Island… Paul Walsh: Yeah. The nuclear renaissance is… Emmet Kelly: Nuclear Renaissance is absolutely huge. Now, what's underappreciated is actually Europe has got a massive nuclear power bank. It's right up there. But unfortunately, we're decommissioning some of our nuclear power around Europe, so we're going the wrong way from that perspective. Whereas President Trump is opening up the nuclear power to AI tech companies and data centers. Then over in the States we also have gas and turbines. That's a very, very big growth area and we're not quite on top of that here in Europe. So, looking at this year, I have a feeling that the Americans will probably increase their data center capacity somewhere between – it's incredible – somewhere between 35 and 50 percent. And I think in Europe we're probably looking at something like 10 percent again. Paul Walsh: Okay. Understood. Emmet Kelly: So, we're growing in Europe, but we're way, way behind as a starting point. And it feels like the others are pulling away. The other big change I'd highlight is the Chinese are really going to accelerate their data center growth this year as well. They've got their act together and you'll see them heading probably towards 30 gigs of capacity by the end of next year. Paul Walsh: Alright, we're out of time. The TMT Edge is alive and kicking in Europe. I want to thank Emmett, Lee and Adam for their time and I just want to wish everybody a great day today. Thank you.(Applause) That was my conversation with Adam, Emmett and Lee. Many thanks again to them. Many thanks again to them for telling us about the latest in their areas of research and to the live audience for hearing us out. And a thanks to you as well for listening. Let us know what you think about this and other episodes by living us a review wherever you get your podcasts. And if you enjoy listening to Thoughts on the Market, please tell a friend or colleague about the podcast today.

In This Episode Today on Breaking Banks we feature the newest addition to the Provoke.fm family, Breaking Banks Africa. In this episode Breaking Banks Africa Host and Executive Producer Matteo Rizzi sits down with Sandra Yao, Ecobank's Group Head: Cross Border Remittance, Payments & BaaS (Fintech). With 20 years of experience driving fintech and payment innovation across Africa, Sandra brings a unique “builder's mindset” into one of the continent's largest financial institutions, operating in 39 markets. From pioneering mobile money to tackling fragmented infrastructure and regulatory environments, Sandra shares how interoperability, accessibility, and digital transformation are reshaping the future of payments in emerging economies. Additionally, Sandra reveals how Ecobank is empowering young African talent, forming major tech partnerships (including Google), and creating API-first solutions to help fintech founders scale across borders. This episode is a must-listen for anyone passionate about Africa's digital growth story, inclusive innovation, and hearing about those turning vision into execution—from Nairobi to the world.

AI Collections: 2,200 Payments in 11 Days (No, Seriously)Alright dealers, buckle up. We're talking AI in collections, and before you roll your eyes and say "not another AI conversation"—this one's different. We've got real numbers, real dealers, and real results.Robyn Burkinshaw (CEO of Blytzpay) joins us along with Kaleb Bryan and Kyle LeCrone from The Auto Cave to break down what's actually happening with AI-powered collections in the BHPH space. Spoiler alert: it's wild.

In today's episode, we explore whether MrBeast's pivot from giving away money to managing it marks a natural evolution or a red flag and if we looking at the rise of a financial services super-app that competes with banks—or a NerdWallet-style affiliate play that sells Gen Z customers to other financial service providers? Join the discussion with host and Head of Business Development Rob Rubin, and Principal Analysts Tiffani Montez and Max Willens.   Article mentioned in this episode: https://content-na1.emarketer.com/youtube-mrbeast-influencer-financial-services-gen-z?jid=248420&sid=10364665   To learn more about our research and get access to PRO+ go to EMARKETER.com   Follow us on Instagram at: https://www.instagram.com/emarketer/ For sponsorship opportunities contact us: advertising@emarketer.com For more information visit: https://www.emarketer.com/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com    For a transcript of this episode click here: https://www.emarketer.com/content/podcast-mrbeast-financial-youtube-s-biggest-star-disrupt-banking-gen-z-others-banking-payments-show   © 2025 EMARKETER   Consumer attention is fragmented across multiple platforms and making informed advertising decisions is more critical—and complex—than ever. With Nielsen Ad Intel, you can streamline your strategy, minimize wasted spend, and identify opportunities to differentiate your brand, empowering you to stay ahead in an ever-changing market. Discover more today. www.nielsen.com  

In the 5 AM hour, Larry O'Connor & Julie Gunlock discussed: CBS NEWS: House Members Traveling to Washington via Motorcycle, Carpool to Avoid Flight Complications NBC NEWS: Supreme Court Extends Brief Stay on SNAP Payments as Shutdown Deal Nears JUST THE NEWS: Bondi, Patel Unleash New Evidence About Former First Family Foundation 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: Wednesday, November 12, 2025 / 5AM HourSee omnystudio.com/listener for privacy information.

In this solo episode, Cyd gets brutally honest about the excuses holding you back—from business growth to social media visibility to your own damn potential. If you're still hiding behind “I don't know what to post,” it's time to admit the truth: you're not confused, you're insecure. Cyd breaks down how fear of judgment becomes a trap, how to get unstuck, and how to actually build a system that works for you—not against you.She shares how she coaches stylists to simplify, organize, and show up with strategy instead of burnout, proving you don't have to post every day to see results. And before wrapping, she spills all the details on her signature program The Social Circus—a 4-week immersive experience designed to help hairdressers find their rhythm, grow their socials, and finally stop overthinking their content.

Welcome to Clio Con Clips 2025, recorded live from Boston and proudly sponsored by Clio, the world's leading legal technology company transforming the legal experience for all.On today's minisode, we talk to A.J. Axelrod. He is the VP of Payments and Financial Services at Clio, responsible for leading the company's payment and financial product innovations. A.J. is focused on making legal services more accessible through new solutions like Pay Later and Clio Capital, aiming to remove financial barriers for both clients and law firms. A.J. is dedicated to compliance and security, works closely with reputable partners, and values customer feedback to drive adoption and usability. His approach emphasizes clear, context-specific solutions for legal professionals, and he is enthusiastic about Clio's mission and advancements showcased at his first Clio Con.So why should you be listening in? You can hear Rob and A.J. discussing:- Innovation and Updates in Clio's Legal Payments- Addressing Legal Affordability through Flexible Payment Solutions- Ensuring Compliance and Building Trust in Financial Technology- User Feedback and Rapid Adoption of Clio Payment Features- The Evolving Intersection of Legal Tech and FinTechConnect with A.J. Axelrod here - https://www.linkedin.com/in/ajaxelrod

In this episode of the Food Freedom Podcast, Coach Mary exposes the truth behind “quick-fix” binge eating programs that promise to end your struggles in just a few days. After seeing yet another ad claiming you can “stop bingeing and feel in control in 3 days,” Mary breaks down why those claims are misleading, how they prey on the addict brain, and what real recovery from binge eating and food addiction actually requires.You'll learn why there's no 3-day cure for binge eating, why true food freedom takes time, commitment, honesty, and community, and how to stop chasing the next “easy solution” and start doing the work that lasts.If you're tired of the endless cycle of diets, challenges, and false promises this episode will help you understand what sustainable recovery really looks like.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcFacebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkDo you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformJoin my Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Instagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 YouTube: https://youtube.com/@ketomary7114Website: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com Want to learn more about me and my coaching programs? Watch my program video: www.foodfreedomwithmary.com/programvideoOnline Course: https://www.foodfreedomwithmary.com/foodfreedomcourse

Money doesn't just move; it travels across rules, rails, and risk decisions that either create trust or destroy it. In the first of three episodes, we sit down with Sal Karakaplan, Chief Strategy Officer at The Clearing House, to explore how a century-old operator keeps reinventing the core of U.S. payments while shipping modern capabilities at scale. From instant settlement to tokenized data, this is a close look at what it takes to wire an economy for speed without sacrificing safety.We start with the foundation: what TCH runs under the hood - RTP, CHIPS, EPN, and check image exchange - and why reliability and advocacy both matter when you're operating the plumbing. Sal opens the strategy playbook: scan market trends, pick where to build, buy, or partner, and relentlessly prioritize use cases that create measurable customer value. That lens frames a practical take on open banking, where market innovation and regulation advance in parallel. Expect straight talk on security, DDA tokenization, liability clarity, and user consent that's simple for people and robust for compliance.RTP steps into focus with concrete momentum: growing daily volumes, expanding bank enablement, and use cases that resonate; account-to-account funding, B2C disbursements, merchant settlement, insurance payouts, and early wage access. We get real about adoption hurdles in a fragmented banking market and how to make the business case stack up. Beyond speed, the conversation highlights ISO 20022 and data-rich messages that reduce reconciliation friction and sharpen risk controls - critical for CFOs, treasurers, and operations leaders chasing working capital gains.Then we tackle stablecoins with a bottom-up filter: where do they outperform existing rails? Cross-border stands out, from remittances to marketplace payouts, alongside emerging hypotheses in tokenized settlement. Sal lays out the next 3–5 years: push RTP to ubiquity, evaluate DLT and tokenized deposits with discipline, lean into AI for commerce and fraud defense, and elevate security and data as first-class features. It's a pragmatic roadmap for banks, fintechs, and enterprises that want real outcomes, not buzzwords.

This episode explores why ASHP's Council on Public Policy has taken a fresh approach to a longstanding question: how should pharmacists be reimbursed for cognitive services? Joining the conversation are the council's secretary and a former member who is also a health-system leader. They break down the newly adopted Policy 2506, Payment Parity for Pharmacists' Services, discuss what it aims to accomplish for practicing pharmacists, and examine the broader implications if progress is achieved. The episode unpacks why policy language matters, traces the evolution of ASHP's stance on pharmacist payment parity, and explores how the new policy could help advance this critical issue. The information presented during the podcast reflects solely the opinions of the presenter. The information and materials are not, and are not intended as, a comprehensive source of drug information on this topic. The contents of the podcast have not been reviewed by ASHP, and should neither be interpreted as the official policies of ASHP, nor an endorsement of any product(s), nor should they be considered as a substitute for the professional judgment of the pharmacist or physician.

The Body You Crave Accelerator group coaching program runs Jan 1 - June 1, 2026.  I'll help you heal from Diet Trauma and Relationship Trauma, so that you can create the LIFE and body you crave.  When you sign up before December 15, 2025, you'll receive the following bonuses:  Weekly private coaching through the end of 2025.   Instant access to all online course content within The Accelerator.  Bonus workshops to help you navigate the holidays even better.    Payment options:  7 monthly payments of $450  Pay in full (20% discount) $2,550    Learn more about The Accelerator: https://www.bodyyoucrave.com/accelerator Questions or comments? Schedule your free consultation here.      Chapters (00:00:02) - Jillian Scott(00:00:26) - Free Private Coaching Through the End of 2021(00:06:59) - How to Break Free From Bad Food, Alcohol & Toxic Relationships

Mike Johnson, Ali Mac, and Beau Morgan explain why they think Major League Baseball needs to have consequences in place for teams who choose to defer player payments.

Welcome to Omni Talk's Retail Daily Minute, sponsored by Mirakl. In today's Retail Daily Minute, Omni Talk's Chris Walton discusses:Target launches an AI-powered gift finder, list scanner, and gamification features in its app to boost holiday shopping engagement and basket sizes.Primark introduces Buy Now, Pay Later options with Klarna and Clearpay in UK stores, joining the BNPL trend as new regulations approach.Grocery Dealz integrates with Instacart's Developer Platform, offering users same-day delivery while comparing prices across retailers.The Retail Daily Minute has been rocketing up the Feedspot charts, so stay informed with Omni Talk's Retail Daily Minute, your source for the latest and most important retail insights. Be careful out there!

WBBM political editor Geoff Buchholz reports on Governor J.B. Pritzker's reaction to the end of the partial government shutdown.

Payment rails vs yield-bearing vaults—the stablecoin landscape is undergoing a fundamental shift.In this episode of Stabled Up, we sit down with Sam Kazemian, founder of Frax Finance, to discuss why genius regulation changes everything, how Frax's clearinghouse strategy works for compliant stablecoins, and why Western Union and JPMorgan are making stablecoin moves.We discuss:- The Two Types of Stablecoins Framework- Why Genius Regulation Changes Everything- Frax's Clearinghouse Strategy for Compliant Stables- DeFi Blowups & Lessons Learned- Western Union & JPMorgan's Stablecoin Moves- White Label Issuance Infrastructure- Tokenized RWAs as Stablecoin Collateral00:00 Intro01:04 Sam's FOMO & Conference Circuit02:00 Fraxnet Launch & DeFi Blowups04:14 Recursive Lending vs Rehypothecation07:23 Separating Risk Analysis from Allocation09:24 Genius Act's Broader Impact13:30 The Stablecoin Spectrum Explained14:21 Payment vs Savings Stablecoins17:52 Checking & Savings as Economic Forms19:21 Stablecoins Meet RWAs20:44 10x Yield Efficiency Gains25:01 Tokenized Collateral Architecture25:45 TrueUSD Dubai News Break26:31 Frax's Genius Compliance Bet28:10 White Label Issuance Vision29:43 Target Sectors for Stablecoin Launches31:06 Institutional Inflection Point33:13 The Seats at the Table Metaphor34:01 Frax's Ethlend to Aave Moment37:06 Closing ThoughtsWebsite: https://therollup.co/Spotify: https://open.spotify.com/show/1P6ZeYd...Podcast: https://therollup.co/category/podcastFollow us on X: https://www.x.com/therollupcoFollow Rob on X: https://www.x.com/robbie_rollupFollow Andy on X: https://www.x.com/ayyyeandyJoin our TG group: https://t.me/+TsM1CRpWFgk1NGZhThe Rollup Disclosures: https://therollup.co/the-rollup-discl

WBBM political editor Geoff Buchholz reports on Governor J.B. Pritzker's reaction to the end of the partial government shutdown.

If you've survived the unimaginable, this episode is your wake-up call. You didn't come this far just to keep repeating the same chapter. Every hero has an origin story, and yours? It's written in pain, fire, and resilience. I'm here to remind you. The villain in your story was never stronger than your power to rise. You've got the scars. Now claim the cape.In this episode, I'm calling out the lies that keep you stuck and helping you recognize the truth. You are the main character in this wild, divine simulation. Every fucked up thing that's happened? That was the beginning. Now it's your choice point. Will you relive the trauma or activate your superpowers and write your damn legend?What You'll Hear in This Episode:How to turn your trauma list into your superhero origin storyWhy surviving makes you spiritually qualified to leadThe role of villains and tragedy in activating your giftsWhat Kat Williams and Neil deGrasse Tyson taught me about divine designHow to shift from survival to supernatural manifestationThe truth about choice points and why staying stuck is still a choiceHow to embody your main character energy and finally fucking rise

Welcome to Part 5 of "Uncoupling the Myth" where Natasha and guests challenge the narrative that non-monogamy destroys relationships. After a recent podcast episode on this very topic, Natasha was flooded with messages—hundreds of people thanking her for validating their relationship choices and lived experiences. That response made it clear: these voices deserve more airtime. So in this series, we're amplifying real stories and offering a more hopeful, grounded, and nuanced view than what you typically hear about. To be clear; as both a relationship and sexuality expert, Natasha is not here to advocate for non-monogamy or monogamy—she's here to advocate for healthy, ethical relationships, no matter what form they take. Joining Natasha on this episode is Becca:  Becca is a single mom of three teens and a creative force in the world of digital and show design. After 23 years of marriage and a lifetime as what she calls a "good Molly Mormon woman," she made the bold decision to leave the LDS church in 2019—a turning point that transformed her sense of faith, identity, and freedom. In 2023, she and her then-partner began exploring ethical non-monogamy, an experience that challenged her ideas about connection and communication, and ultimately led her to rediscover her own strength and voice. Now in her mid-40s, Becca blends creativity and authenticity in her work and life, sharing her story of rebuilding, redefining love, and reclaiming herself after decades of living by others' expectations.   — Join Natasha February 11-17th 2026 on a cruise leaving out of Tampa, Florida. You can grab a package and work with Natasha on the ship. Sign up before January 1st and you get the early bird special: Natasha packages: $750 per couple $675 per couple - early bird (before January 1st) Payment plans are available. For further questions, email Mimi at unleashedvacations@gmail.com. Book now to make sure you don't miss out! See you on board. — To help keep this podcast going, please consider donating at natashahelfer.com and share this episode. To watch the video of this podcast, you can subscribe to Natasha's channel on Youtube and follow her professional Facebook page at natashahelfer LCMFT, CST-S. You can find all her cool resources at natashahelfer.com.  The information shared on this program is informational and should not be considered therapy. This podcast addresses many topics around mental health and sexuality and may not be suitable for minors. Some topics may elicit a trigger or emotional response so please care for yourself accordingly. The views, thoughts and opinions expressed by our guests are their own and do not necessarily reflect the views or feelings of Natasha Helfer or the Natasha Helfer Podcast. We provide a platform for open and diverse discussions, and it is important to recognize that different perspectives may be shared. We encourage our listeners to engage in critical thinking and form their own opinions. The intro and outro music for these episodes is by Otter Creek. Thank you for listening. And remember: Symmetry is now offering Ketamine services. To find out more, go to symcounseling.com/ketamine-services. There are also several upcoming workshops. Visit natashahelfer.com or symcounseling.com to find out more.

Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I'm Tearsheet's editor in chief, Zack Miller. We've been covering AI in financial services for a while now—chatbots, generative AI, fraud detection models. But something fundamental is shifting. We're moving beyond AI as a tool that assists humans to AI as an actor that takes action on our behalf. Agentic AI is no longer a research project. It's live. Capital One has AI agents helping consumers buy cars. Visa is letting AI agents spend your money. RBC has agents executing trades, learning and adapting in real-time to market conditions. It's already here. The question is: what does it take to make this work at scale? What infrastructure do you need when an AI agent is handling real financial transactions at 2 AM? How do you architect for reliability when there's no human in the loop? My guest today is Kevin Levitt, who leads global business development for financial services at Nvidia. Before Nvidia, Kevin spent years inside fintechs like Credit Karma and Roostify. At Nvidia, he's working with firms like Capital One, Visa, and RBC as they deploy agentic AI in production—not pilot programs, actual live systems processing real transactions. We're digging into the case studies, the computational demands of multi-agentic systems, the security challenges when agents control money, and what financial institutions need to be thinking about now. Nvidia's Kevin Levitt is my guest today on the podcast.

DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content.

In this episode Mary talks some truths that often offend your voice of addiction and your angry ED brain.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideNEW Free Food Sobriety Mini Course - https://www.foodfreedomwithmary.com/minicoursefoodsobrietyFacebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkDo you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformJoin my Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Instagram: www.instagram.com/ketomary71 Facebook: www.Facebook.com/ketomary71 YouTube: https://youtube.com/@ketomary7114Website: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com Want to learn more about me and my coaching programs? Watch my program video: www.foodfreedomwithmary.com/programvideoOnline Course: https://www.foodfreedomwithmary.com/foodfreedomcourse

Recorded live from the PayTech Women Leadership Summit in Atlanta, we bring you a rapid, energizing tour of leadership lessons from executives, board members, and rising voices shaping the future of payments and fintech. A special thanks to our episode sponsor Global Payments. Across crisp conversations, a common theme emerges: community multiplies competence. You'll hear how curiosity fuels influence, why relationships beat résumés, and how owning your personal banner outlasts any company logo.Chrissy Wagner (FIS) opens with a hard truth many leaders overlook—self care is strategy. When your cup is full, you lead with clarity and generosity. Margaret Weichert draws on three decades across Bank of America, First Data, Accenture, EY, and The Clearing House to champion curiosity as a daily practice: learn the tech, the processes, and the business context so every presentation connects to customer value and shareholder outcomes. That framing travels across product, risk, and operations, especially as rails evolve and real-time becomes table stakes.Relationship building gets tactical with Rebecca Walden (Corvia), who shares how to deepen ties beyond LinkedIn: Zoom coffees, thoughtful introductions, timely articles, and in-person meetups that convert weak ties into trusted allies. Executive coach Cynthia Knowles underscores investing in purpose and skills, noting that the summit creates rare neutral ground where fierce competitors become generous collaborators. Melissa Desjardins (Protiviti) offers a powerful structure—build a personal board of directors who challenge your assumptions and push you to take bold steps, then return the favor for others.From the talent pipeline, Laura Gibson Lamothe (Georgia FinTech Academy) shows how belonging accelerates careers, especially for those who haven't always seen themselves reflected in leadership. Kathy Kmiotek urges leaders to own their personal banner—your story, your value proposition—through every career shift. And Naomi Donaldson (FISERV) connects the dots across industry change, from cash and checks to crypto, stablecoins, and agentic commerce, while navigating the realities of growth, family, and leadership on a shared stage with industry rivals.If you care about payments innovation, career momentum, or simply leading with purpose in a competitive market, this conversation delivers practical, repeatable moves you can use today. 

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Joaquin Wallace.

 Headlines: – Welcome To Mo News (02:00) – Senate Reaches Deal On Ending The Shutdown As 8 Dems Cross Party Lines (04:45) – Massive Flight Delays/Cancellations As Transportation Sec. Warns About Thanksgiving Travel (10:10) – Trump Proposes Paying Americans $2,000 Each From Tariff Revenue (17:50) – BBC Backlash After Trump Speech Edits & Anti-Israel Bias (21:00) – Syria's Leader To Meet With Trump After Years Leading Terror Group (24:00) – FAA Halts MD-11 Cargo Plane Flights After Deadly Kentucky Crash (27:00) – Explorer Begins Historic 1,800-Mile Solo Journey Across Antarctica (28:20) – On This Day In History (32:15) Thanks To Our Sponsors:  – ⁠LMNT⁠ - Free Sample Pack with any LMNT drink mix purchase –⁠ Industrious⁠ - Coworking office. 50% off day pass | Promo Code: MONEWS50 – Surfshark - 4 additional months of Surfshark VPN | Code: MONEWS – Factor Meals – 50% your first box plus free shipping | Promo Code: monews50off – Shopify – $1 per-month trial | Code: monews

Today's Headlines: The government shutdown just passed 40 days, but there's finally a flicker of hope: the Senate reached a tentative deal to reopen the government through January, with at least 10 Democrats agreeing to back a short-term funding bill in exchange for a vote next month on extending Obamacare tax credits—a proposal many Democrats previously called “laughable.” Meanwhile, the Supreme Court temporarily blocked a lower court's order requiring the Trump administration to fully fund SNAP benefits, and Trump's USDA quickly told states to stop processing payments. Trump also floated a flurry of financial gimmicks over the weekend—like 50-year mortgages, direct cash “subsidies,” and a $2,000 tariff dividend—while his own Treasury Secretary contradicted him on national TV. Abroad, Trump met with Hungary's Viktor Orbán, granting him a sanctions exemption on Russian oil in exchange for $600 million in U.S. gas contracts. The shutdown is also stalling weapons sales to Ukraine and NATO allies and causing massive flight delays ahead of Thanksgiving. Elsewhere, Cornell struck a controversial deal with the administration to restore funding after discrimination probes, Florida sued Planned Parenthood over abortion pill safety (again, against all science), and in Virginia, a 19-year-old college student beat his former high school teacher in a local election—proving democracy sometimes delivers sequels no one saw coming. Resources/Articles mentioned in this episode: Axios: Deal to end government shutdown in reach Axios: Democrats name their price on ending government shutdown AP News: Supreme Court issues emergency order to block full SNAP food aid payments Axios: Trump administration orders states to "undo" full SNAP benefits Axios: Trump again promises $2,000 tariff dividend as SCOTUS decision looms Axios: Tariffs aren't meant for revenue and will shrink over time, Bessent says NYT: Trump Gives Hungary a Reprieve on Sanctions After Meeting With Orban Axios: Scoop: Weapons sales to NATO allies stalled by government shutdown Axios: Duffy: Air travel will slow to a "trickle" before Thanksgiving NYT: Cornell Reaches Deal With Trump Administration to Restore Research Funds Mother Jones: Florida Takes On Planned Parenthood NYT: Virginia Teen Narrowly Defeats His Former Civics Teacher in County Election Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Joaquin Wallace.

learn how to use the word 'payment' in English

111025 Kate And Duke Pesta Gov Shutdown and 2K Payments How To Solve This What's Next by Kate Dalley

Tesla held its annual shareholder meeting for 2025, and there's a lot to talk about, from the record-breaking CEO compensation package to the next markets for Robotaxi to a re-reveal date for the next-generation Tesla Roadster and much more! If you enjoy the podcast and would like to support my efforts, please check out my Patreon at https://www.patreon.com/teslapodcast and consider a monthly or (10% discounted!) annual pledge. Every little bit helps and there are stacking bonuses in it for you at each pledge level, like early access to each episode at the $5 tier and the weekly Lightning Round bonus mini-episode (AND the early access!) at the $10 tier! And NO ADS at every Patreon tier! Also, don't forget to leave a message on the Ride the Lightning hotline anytime with a question, comment, or discussion topic for next week's show! The toll-free number to call is 1-888-989-8752. INTERESTED IN A FLEXIBLE EXTENDED WARRANTY FOR YOUR TESLA? Be a part of the future of transportation with XCare, the first extended warranty designed & built exclusively for EV owners, by EV owners. Use the code Lightning to get $100 off their "One-time Payment" option! Go to www.xcelerateauto.com/xcare to find the extended warranty policy that's right for you and your Tesla. P.S. Get 15% off your first order of awesome aftermarket Tesla accessories at AbstractOcean.com by using the code RTLpodcast at checkout. Grab the SnapPlate front license plate bracket for any Tesla at https://everyamp.com/RTL/ (don't forget the coupon code RTL too!).