Podcasts about pymnts

Welcome to the Daily Compliance News. Each day, Tom Fox, the Voice of Compliance, brings you compliance-related stories to start your day. Sit back, enjoy a cup of morning coffee, and listen in to the Daily Compliance News—all from the Compliance Podcast Network. Each day, we consider four stories from the business world: compliance, ethics, risk management, leadership, or general interest for the compliance professional. Top stories include: ·      BitMEX fined an additional $100MM.  (WSJ) ·      Wells Fargo banks on compliance. (PYMNTS.com) ·      China military corruption purge ‘tip of the iceberg.'  (Business Insider) ·      Cognizant defendants want to know the government's trial strategy. (Law360) sub req'd For more information on the Ethico Toolkit for Middle Managers, available at no charge, click here. Check out The FCPA Survival Guide on Amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode, Gene Marks discusses concerns from a recent Wall Street Journal report about rising credit card delinquencies and higher interest rates, noting that banks, including Citibank, are worried about consumer's abilities to manage their debts. This could lead to decreased consumer spending, which impacts businesses across various sectors. Additionally, a new PYMNTS' report highlights cash flow issues for small businesses, showing that 70% have less than four months of cash reserves, with many owners foregoing their own paychecks due to financial strains. Gene also covers New York State's recently passed Retail Worker Safety Act where businesses with 10 or more employees must train workers in de-escalation techniques and those with 500 employees nationwide must also install panic buttons in retail stores for enhanced worker safety.   DISCLAIMER: The information presented in this podcast, and that is further provided by the presenter, should not be considered legal or accounting advice, and should not substitute for legal, accounting, or other professional advice in which the facts and circumstances may warrant. We encourage you to consult legal counsel as it pertains to your own unique situation(s) and/or with any specific legal questions you may have.

Glen chats with Finovate's Greg Palmer about the state of fintech investment and startup momentum in anticipation of September's Finovate NYC event. Also- soft landings, long bike rides, $2.5 billion bets and honest borrowers.   Links related to this episode:   Finovate Fall in NYC September 9-11: https://informaconnect.com/finovatefall/ ***Use code BIG20 for a 20% discount off registration*** TruStage's Discovery 2024 conference replay: https://trustage.registration.goldcast.io/events/414b601e-9185-426f-9877-6405088473e5 Lamont Black's bike ride from Maps to Redwood CU: https://www.linkedin.com/posts/lamontblack_ai-outdoors-bikepacking-activity-7228525803385274369-XW5p BNPL's analog precursor: https://www.marketplace.org/2024/08/12/schulze-family-business-kept-old-things-running-for-82-years/ PYMNTS.com's interview with NCR Voyix digital banking leadership after its $2.5B sale to private equity: https://www.pymnts.com/news/digital-banking/2024/ncr-voyix-2-5-billion-sale-to-veritas-verifies-digital-bankings-long-term-potential/    Find us on X and BlueSky at @bigfintech, @jbfintech and @154Advisors You can also follow us on LinkedIn: https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

Hello, and welcome to episode 106 of the Financial Crime Weekly Podcast, I'm Chris Kirkbride. This week has been yet another busy week for financial crime – the busiest ever – at least I'm no longer ill. Sanctions news brings US action against China for its aid to Russia, and some enforcement action against a sanctions-evader and a member of a sanctioned organisation. In the UK, sanctions designations against senior political figures in Uganda, and updates to a range of sanctions guides. On anti-corruption, the 25th anniversary of GRECO is marked, and the NCA in the UK is judged on the effectiveness of its anti-corruption action. On money laundering, MONEYVAL updates on several European countries' AML/CFT frameworks, and stories from China and Venezuela. The significant fraud news comes in the form of news from Australia on the scale of losses to scams, and the FBI publishes a report on Elder Fraud in the US. There is also a round-up of this week's cyber news. Let's crack on. As usual, I have linked the main stories flagged in the podcast in the description. These are: Attorney-General's Department (Australia), Progressing reforms to Australia's anti-money laundering and counter-terrorism financing laws.Attorney-General's Office (UK), Attorney General's Code of Practice issued under Section 377A of the Proceeds of Crime Act 2002.Australia Competition and Consumer Commission, Scam losses decline, but more work to do as Australians lose $2.7 billion.Department for Science, Innovation and Technology, New laws to protect consumers from cyber criminals come into force in the UK.Europol, Operation Pandora shuts down 12 phone fraud call centres.Eversheds Sutherland, National Security Act of 2024 extends statute of limitations for sanctions violations to 10 years.FBI, Elder fraud reports to FBI's Internet Crime Complaint Center rose by 14% in 2023.Hansard, National Crime Agency: Dealing with Corruption (Volume 749: debated on Tuesday 30 April 2024).His Majesty's inspectorate of constabulary and fire and rescue services, Vetting and anti-corruption part 2: How effective is the National Crime Agency at dealing with corruption?Joint Money Laundering Steering Group, Consultation – Part II Sector 18 (Wholesale markets).Joint Money Laundering Steering Group, Consultation April 2024 – Part II Sector 18 (Wholesale markets).MONEYVAL, Poland improved its AML/CFT guidance and feedback for reporting institutions.MONEYVAL, Cyprus improved AML/CFT measures with respect to virtual asset service providers and virtual asset related activities.MONEYVAL, Croatia strengthened its preventive framework to combat money laundering.MONEYVAL, Anti-money laundering and terrorist financing: Lithuania has improved coordination and co-operation, according to new report.National Crime Agency, Gold and art worth millions and linked to crime is forfeited.National Cyber Security Centre, Business email compromise: defending your organisation Guidance.National Cyber Security Centre, CYBERUK Digital Loft: The Future of Cyber Security for Small Organisations (Sign-Up).Pymnts, Venezuelan Opposition Politician Warns of Crypto Use for Money Laundering.UK Foreign, Commonwealth and Development Office, UK sanctions corrupt politicians in Uganda who stole from vulnerable communities (press release).UK Home Office, New powers to seize cryptoassets used by criminals go live.UK Home Office, 004/2024: Economic Crime and Corporate Transparency Act – cryptoasset confiscation order provisions.UK Home Office, 005/2024: Economic Crime and Corporate Transparency Act – cryptoasset forfeiture provisions chapters 3C to 3F.UK Home Office, Certain information orders: code of practice.UK Home Office, Investigations: code of practice issued under section 377.UK Home Office, Recovery of cryptoassets: code of practice issued under section 303Z25.UK Home Office, Search, seizure and detention of property (England and Wales).UK Office of Financial Sanctions Implementation, Financial Sanctions Notice: Global Anti-Corruption.UK Office of Financial Sanctions Implementation, Financial Sanctions Notice: ISIL (Da'esh) and Al-Qaida.UK Office of Financial Sanctions Implementation, General Licence: Israel and the Occupied Palestinian Territories Humanitarian Activity: INT/2023/3749168.UK Office of Financial Sanctions Implementation, Financial sanctions enforcement and monetary penalties guidance.UK Office of Financial Sanctions Implementation, Financial sanctions guidance for Russia.UK Office of Financial Sanctions Implementation, UK Financial Sanctions FAQs.UK Parliament, Social and psychological implications of fraud (press release).UK Parliament, Report: Social and psychological implications of fraud.US Congress, National Security Act 2024.US Department of Justice, Brooklyn Resident Pleads Guilty to Conspiracy to Unlawfully Export Dual-Use Electronics Used in Russian Military Drones.US Department of Justice, Regional Leader of Sanctioned Russian Organization Pleads Guilty to Lying to FBI.US Department of Justice, Binance and CEO Plead Guilty to Federal Charges in $4B Resolution.US Department of State, Imposing New Measures on Russia for its Full-Scale War and Use of Chemical Weapons Against Ukraine.US Department of State, Recognizing the 25th Anniversary of the Council of Europe's Group of States Against Corruption.US Department of the Treasury, U.S. Continues to Degrade Russia's Military-Industrial Base and Target Third-Country Support with Nearly 300 New Sanctions.US Department of the Treasury, Remarks by Under Secretary Brian Nelson at ACI's Annual Flagship Conference on Economic Sanctions Enforcement and Compliance.US Office of Foreign Assets Control, Russia-related Designations Removals.US Office of Foreign Assets Control, Treasury Targets Sanctions Evaders Supporting Key Hizballah Financial Advisor.Wolfsberg Group, Wolfsberg Group Response to FATF public consultation on R.16/INR.16.World Economic Forum, Cryptocurrency regulations are changing across the globe. Here's what you need to know.

Season 6 – Episode 3 Welcome to PressPlay Lifestyle AI Inspired, your go-to podcast for the freshest insights in ChatGPT, AI, and OpenAI. I'm your host, Jackie Schwabe, and I'm here to help you stay ahead of the curve as you navigate the exciting world of AI in your work and life. Let's dive into today's updates! Open AI News OpenAI has announced this week new partnerships with Le Monde and Prisa Media to integrate French and Spanish news content into ChatGPT, aiming to support journalism and offer ChatGPT users access to high-quality news. This collaboration will allow users to engage with summarized news content directly in ChatGPT, with links to full articles on the publishers' websites, enhancing the availability of reliable information and supporting the news industry's role in providing authoritative content. For more detailed information on these updates, you can visit OpenAI's official blog posts on their website. AI News Apple has acquired DarwinAI, a Canadian AI startup known for its vision-based technology that enhances manufacturing component efficiency. This move, reported by Bloomberg, sees members of DarwinAI's team joining Apple's machine learning groups. DarwinAI's expertise in making AI models more compact and efficient aligns with Apple's plans to introduce on-device generative AI features, potentially in iOS 18, as Apple seeks to catch up with competitors in GenAI-powered functionalities. For more details, visit TechCrunch's full article. Oracle has introduced new generative AI capabilities into its Fusion Cloud Applications Suite, focusing on enhancing workflows across various domains like finance and supply chain. This upgrade aims to allow users and partners to embed more AI functionalities seamlessly, ensuring data privacy and customizability through Oracle's cloud infrastructure. This development signifies a major leap in how businesses and individuals interact with computers, offering a range of applications previously unimaginable with earlier AI models. For more details, you can read the full article on PYMNTS. A Las Vegas-based company, Luxury Realty Group, has introduced an AI real estate agent designed to assist families in finding homes in the area. This innovative approach aims to enhance the home-buying process by leveraging AI to offer personalized assistance to both realtors and potential buyers. For more information, you can read the full article on Yahoo News. Texas is actively preparing its higher education system for the AI revolution. The University of Texas at San Antonio is leading the charge by planning to open a new college dedicated to AI, cybersecurity, computing, and data science by fall 2025, aiming to equip students with the necessary skills for a workforce increasingly reliant on AI competencies. This initiative is part of a broader movement within the state's educational institutions to integrate AI into their curriculums and ensure faculty are up to speed with the technology. For more on this innovative approach, read the full story at The 74. The UAE is poised to invest in OpenAI's initiative to develop proprietary chips, a strategic move that could significantly bolster the AI sector. This investment underscores the UAE's commitment to advancing AI technology and its potential impacts on the global stage. For more details, check the full article on AI News. Anthropic has unveiled Claude 3 Haiku, claiming it to be the fastest AI model in its category. This development represents a significant leap forward in the efficiency and speed of AI models, highlighting Anthropic's focus on pushing the boundaries of AI technology. For further details, visit AI News. The EU's newly approved AI Act has sparked a broad spectrum of responses, stirring a debate about its impact on innovation and regulatory adherence within the AI industry. This legislation may influence how AI technologies are developed and implemented, not just in Europe but globally, including in the US, as international companies navigate compliance with these regulations while striving to maintain a competitive edge in technological advancements. For a deeper understanding, you can read the full discussion on AI News. And that wraps up today's episode of PressPlay Lifestyle AI Inspired. Remember, AI is not just about technology; it's about unlocking new possibilities in how we work, create, and interact with the world around us. Whether you're integrating ChatGPT into your daily tasks, keeping an eye on AI breakthroughs, or leveraging OpenAI's latest offerings, staying informed is key. For more insights and free tools to empower your AI journey, visit us at https://FoundersAIEnablement.com Until next time, keep pressing play on your AI-inspired life! --- Send in a voice message: https://podcasters.spotify.com/pod/show/pressplayinspired/message Support this podcast: https://podcasters.spotify.com/pod/show/pressplayinspired/support

Wed, 10 Jan 2024 06:30:00 +0000 https://tap.podigee.io/25-panos-constantinides 422936b8b903af0d2b42983089ebff6c The formation and evolution of digital platforms across ecosystems Panos' Bio: Panos Constantinides is a Professor of Digital Innovation and Digital Learning Lead for Executive Education at Alliance Manchester Business School. He holds a PhD from the Judge Business School at the University of Cambridge and he is a Fellow of the Cambridge Digital Innovation Centre. Panos leads the Digital Transformation Research Group at Alliance Manchester Business School. Panos is also one of the co-founders of the European Digital Platforms Research Network (EUDPRN). His research investigates how organizations use digital technologies to co-create and capture value while facilitating strategic transformation. His recent work has shed light on the formation and evolution of digital platforms across ecosystems, including platforms built on generative AI technologies. He advises senior business leaders and policymakers on how to manage the transition to new technologies and new business models in the digital economy. His research has been published in FT50 journals such as Information Systems Research, MIS Quarterly, and the Journal of Business Venturing and Organisation Studies, among others. His research has also appeared in Concurrences, Competition Policy International, PYMNTS, Thinkers50, MIT Sloan Management Review, ZDnet, and other media outlets. Panos' Google Scholar page: https://scholar.google.co.uk/citations?user=Erxikd8AAAAJ&hl=en Panos on Linkedin: https://www.linkedin.com/in/panos-constantinides/?originalSubdomain=uk full The formation and evolution of digital platforms across ecosystems no Daniel Trabucchi, Tommaso Buganza and Philip Meier

Reports are surfacing suggesting that there is underlying tension amongst the White House staff due to the increasingly critical spotlight the normally supportive mainstream media is casting on President Joe Biden's sinking approval rating. This phenomenon is drawing attention as the upcoming 2024 election cycle is revving up. Over the majority of the previous year, Biden's ratings continue to slip. Interestingly, more and more polls suggest that former President Donald Trump, the leading Republican candidate by a significant gap, is on a smooth journey to once again claim the Republican nomination. This information comes courtesy of news outlet, The Hill. An anonymous source close to Biden expressed their dissatisfaction with the biased media attention which persistently focuses on the polling results showcasing Biden's downward trend while disregarding those that paint him in a victorious light. Trump, on the other hand, has prophesied a collapse of the U.S. economy under Biden, countering which, White House officials assert that inflation is under control, stock market figures are promising, and unemployment rates are near historical lows. The Consumer Price Index, which studies a selection of common goods, has indeed been experiencing a decline since the engulfing pandemic. Despite these encouraging economic indicators, The Hill points out that the media coverage of this positive economic climate is insufficient. This in turn impacts the polling outcomes since public opinion is heavily influenced by media headlines. A high-ranking Biden official remarked on the frustrating lack of media coverage. The sentiment was echoed by a Biden ally who shared that in light of this overwhelming 'deep frustration', strategic meetings have been called to assess the situation. They clarify, however, that these meetings do not suggest panic over the President's prospective standing. These gatherings involve deliberations on how best to spread the message about President Biden's age and achievements. Serious concerns are being raised that the communication of Biden's accomplishments have not been persuasive or recurring enough to resonate with the public. The challenge, therefore, is crafting a message that is both potent and penetrative. However, despite the government's optimistic economic projections, according to many polls, a noticeable share of Americans continues to struggle financially. In fact, a recent survey may provide further fuel to the Republicans as they strategize their political maneuvers against Biden and the Democrats leading up to the 2024 elections. Remarkably, the November 2023 PYMNTS and LendingClub survey found that 62% of Americans live paycheck to paycheck, and around 60% of the country's credit card holders are among this group. The research went on to disclose that an astonishing 80% of these individuals possess at least two credit cards. The study went on to add an even more worrying statistic: cardholders living paycheck to paycheck are twice as likely to carry forward a credit card balance month-to-month than those who do not. Almost a third admitted that they have maxed out their credit card limit of on average $9,200, at least a few times within the past year. In an alarming trend, U.S. consumers have amassed an additional $48 billion in credit card debts during the third quarter of 2023, increasing the total outstanding amount to a staggering $1.08 trillion. This outstanding amount was revealed by the Federal Reserve Bank of New York through an analytical report regarding household debt. Campaigning his 'Bidenomics' approach, the President is steadfast in his belief that his implemented policies have significantly improved the living standards of US citizens. However, what the public tells the pollsters narrates a different story. Many survey respondents stated that it was Biden's policies that pushed them to reduce their Christmas spendings. Furthermore, in multiple cases, individuals reported having to work extra hours or take on additional jobs just to afford celebrating the holiday season. Aided by the Empower's 2023 holiday spending report, it was uncovered that a whopping majority of 74 percent of respondents - 1,000 people conducted in the survey - agreed that inflation caused them to be more frugal during the holiday season. Remarkably, 31 percent of them stated they had to work additional hours so as to afford holiday expenses. Empower's study uncovered further details regarding Americans' spending habits, with over a third of respondents (34%) electing to make savings this year by reducing their budget allocation. Another prominent change in spending behavior amongst respondents included reducing expenditure on non-essential items such as dining out or buying gifts so as to stay within their budget. According to Empower representative Courtney Burrell, the survey gives a glimpse into the current financial situation of most Americans. Budget reductions, compromise on quality of life, and an increase in work hours are the measures employed by many to survive in today's economy. Faced with such high inflation rates, they are forced to cut back on non-essential expenses to make ends meet. While there are people criticizing the media for being biased, there are others who feel that their life situations are not improving regardless of the economic indications. The mainstream narrative focusing on Biden's slipping ratings indicates a negative perception of the Biden administration's efforts at managing the country's economy. For Biden, tackling these ongoing struggles goes beyond mass media manipulation. Efforts must be ramped up to restore confidence in his policy-making and economic management. American households that are feeling the financial squeeze from inflation and rising costs deserve attention, and the President must strive to deliver on that. Ultimately, regardless of spin and media narratives, substantive changes on the ground reflecting in people's wallets will be instrumental in swaying public opinion. The high number of citizens living paycheck-to-paycheck, increased credit card debt, and the struggle to make ends meet all paint a different picture from the government's take on the country's economy. This signifies an urgent calling for more effective and impactful economic reforms. This Post First Appeared on Real News Now: https://www.realnewsnow.com/trump-steams-forward-as-bidens-approval-ratings-tumble/ Visit Real News Now for more breaking news and stories https://www.realnewsnow.com/ Facebook: https://www.facebook.com/RealNewsNowApp/ X Twitter: https://twitter.com/realnewsapp Instagram: https://www.instagram.com/realnews/ YouTube: https://www.youtube.com/@realnewsnowapp Video: https://youtu.be/PK_RJn2J-xQ  See omnystudio.com/listener for privacy information.

As the federal administration continues to promote the financial state produced under its own policies, the catalyzing economic approach often called 'Bidenomics,' a recent report is bound to offer substantial talking points for the opposition leading up to the impending election cycle. An insightful survey disclosed that, as of November 2023, a staggering 62% of consumers were dependent on their forthcoming paycheck for their monthly fiscal needs, according to the data collected by PYMNTS and LendingClub. It was also noted that this precise set of consumers are the owners of nearly 60% of the credit cards circulating within the U.S. market. In an even more surprising twist, a vast 80% of these consumers who live paycheck-to-paycheck holds on average no less than two credit cards, as reported by Fox Business. The informative report went on to highlight that those struggling with paycheck-to-paycheck patterns often carry a higher likelihood, almost twice as much as others, to extend their credit card balance into the consequent month. Adding to the complexity, nearly a third of these consumers stated having hit their credit card limit, calculated to be an average of $9,200, sporadically within the past year as reported by the same outlet, referencing the analyzed data. As if this wasn't concerning enough, the credit card debt has climbed an additional $48 billion during 2023's third quarter, bringing the total liability to an unnerving $1.08 trillion as per the analysis by the Federal Reserve Bank of New York.See omnystudio.com/listener for privacy information.

On today's podcast episode, we explore the problematic relationship between credit unions and Gen Z.   • In our “Headlines” segment, we discuss an article from PYMNTS.com that revealed only 4% of Gen Z consumers bank with credit unions.     • In “Story by Numbers,” we consider what credit unions can do to capture Gen Zers' attention while working with tight marketing budgets, and which programs have helped Gen Z consumers manage their finances.     • In “Actual CEO,” we discuss with our guest CEO what she is currently doing to engage with Gen Zers at her credit union. Listen to the podcast with host Rob Rubin and Tansley Stearns, CEO of Community Financial Credit Union.     Articles mentioned in this episode:  https://www.pymnts.com/credit-unions/2023/gen-z-is-only-4percent-of-credit-union-members-and-thats-a-problem/     Follow us on Instagram at:   https://www.instagram.com/insiderintelligence/   For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/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.insiderintelligence.com/content/podcast-banking-payments-show-why-gen-z-will-swipe-right-on-credit-unions   © 2023 Insider Intelligence    Discover the future of banking with Affinity Solutions, a pioneer in consumer purchase insights. Using cutting-edge analytics, Affinity Solutions analyzes payment data to craft exclusive deals for financial service consumers based on their spending patterns. Each transaction with Affinity becomes a step towards understanding your customers deeper, curating rewards that genuinely resonate. It's more than just banking; it's an evolution to intelligent, personalized commerce. Transform your financial interactions with Affinity Solutions.  

Doug Wilber is the CEO of Denim Social, a leading provider of social media management software that empowers marketers in regulated industries to manage organic social media content and paid social media advertising on one platform. A financial services veteran, Doug served in leadership roles with Assembly Payments, PYMNTS.com, Discover Financial Services and Market Platform Dynamics. He graduated from Penn State with both a bachelor's degree in marketing and international business, and an MBA with a focus on product development and brand strategy.  In this episode, Doug talks about his experiences on the varsity cross country and track & field teams at Penn State, traveling the country in the Boca Burger-mobile, being intrapreneurial developing new products within Discover Financial Services, all leading up to becoming CEO of Denim Social. At the end of the episode, Penn State senior Mary Richardson joins the conversation. She is the CEO and co-founder of Bindr, which is providing a mainstream dating experience dedicated to the bisexual community. Mary talks to Doug about finding the right timing to bring on investors, and how he defines success in a startup.

According to an index of building occupancies in 10 major metro areas by security firm Kastle Systems, more than half of workers went to the office last week, the first time that return-to-office rates crossed 50% of their pre-pandemic levels. All of the cities tracked by the company — including San Francisco, Chicago and Austin, Texas — reached return-to-office levels of 40% or above, which was also a post-pandemic first.In this episode of The Higher Standard, Chris and Saied examine this and many other stories and attempt to cut through the spin and the rhetoric to get at the truth.They discuss comments from Starwood Capital's Barry Sternlicht, who said that, if Jerome Powell continues down the path that we're going, he's going to drive the economy into a horrible situation because the government won't be able to afford to pay its bills, and why that thinking is flawed.Chris and Saied look at a survey by Pymnts.com and Lending Club, which indicates that the share of Americans who say they live paycheck-to-paycheck climbed last year to 64%, and most of the new arrivals in that category were earning more than $100,000 a year.They also offer some thoughts on the Fed's decision to reject Wyoming-based crypto-centric bank Custodia's application to become a member of the central bank's exclusive payment system, saying that the firm's proposed business plan, and focus on crypto assets, presented significant safety and soundness risks.Join Chris and Saied for this fascinating and informative conversation.Enjoy!What You'll Learn in this Show:Why the Fed rejected Custodia's application to join the US payment system.Why the market's reactions are disconnected from what the Fed is trying to accomplish.The five types of treasury securitiesThe importance of staying true to your budget when looking for a home.And so much more...Resources:"Fed rejects crypto bank's application to join U.S. payment system" (article from MarketWatch)"Inflation Fell but so Did Spending. The Economic Signals Are Both Good and Bad" (article from Barron's)"National home prices have further to fall, say 24 leading housing market researchers—while 5 firms think prices have bottomed" (article from Fortune)"Wall Street Is Losing Out to Amateur Buyers in the Housing Slump" (article from Bloomberg)"US offices reach 50% occupancy for the first time since Covid" (Bloomberg Business via Instagram)"More Americans are living paycheque-to-paycheque, even those on more than $100,000" (Bloomberg Business via Instagram)

When logging into devices and applications that hold the key to a user's identity, how can that user tell who is at the other end of the line? When it comes to internet safety and securing a user's identity online, Phil Dunkelberger, President and CEO of Nok Nok Labs, shares that the future of online security is cybersecurity that can be simplified through public private key cryptography. On this episode, Phil explains what that means, plus the purpose of FIDO and how it can create frictionless security for users logging into their devices and applications.Tune in to learn:What FIDO is designed to do for users (9:55)Why public private keys used for authentication benefits the customer (14:00)How pass keys have evolved to render the need for two devices for personal and work purposes unnecessary (28:00)About Nok Nok's Study on the IT Support side of the problem with authentication (35:36)Mentions:Vanguard Totem TechAlli Bey, CEO of Totem TechDr. Larry Ponemon, Founder and Chairman of Ponemon InstitutePYMNTSKaren Webster, CEO of PYMNTSKaren webster's study“Shoe Dog: A Memoir by the Creator of Nike” by Phil KnightXerox Phil ZimmermannSymantecIT Visionaries is brought to you by Salesforce. With Salesforce's low-code app dev tools, you can be more efficient, more productive and save money by reducing development time by up to 90%. Get Salesforce's Low-Code Playbook and increase time to value for your team and your customers. Download the free playbook today.Mission.org is a media studio producing content for world-class clients. Learn more at mission.org.

There Will be a ‘Before and After' of the Recent Rolex Pre-Certified AnnouncementRolex continued to make news this week as the industry digests the implications of their pre-certified program. Charles Gorra of Rebag was quoted in PYMTS saying “It's incredible. I think [Rolex entering the market] is the biggest news that I've heard in the last decade in terms of the resale world. I think there will be a ‘before and after' with that news. It changes everything,” he added, saying that it further legitimizes the resale industry.According to Glossy, Rolex makes up roughly 30% of the luxury watch market and a far larger share of the secondhand market, estimated to be between 40-50% with some 30 million Rolexes circulating today. Regardless of changes in the commerce landscape, the best brands are designing and creating worthwhile items that maintain brand relevance with culture, this increasingly includes where and how existing items reflect on the brand. Rolex's own pre-certified program is a watershed example for the luxury market. This a step all brands will ultimately take as more of their brand items live on in the secondary market.In other news, Rebag launched a wallet feature that rewards sellers with 1% interest for leaving their payout in their ‘Wallet'. Rebag has always been on the edge of new customer-centric features most notably the Infinity Program which allows buyers to trade items back in for known amounts within given time periods (aka, rental without the need for a contract). In a similar vein, these new features drive loyalty on the supply side. As an example, a client who sells an item leaves their payout in their Wallet for the full 12 months, then puts the money toward a Rebag purchase will see their spending power increase to 24 percent. Today's $5,000 offer, for example, would be worth $6,200 at Rebag in 12 months.I am not sure if this will make a material difference in items sold as touted, but it is a nod toward supply-side loyalty. As BCG published findings this week that sellers are most motivated by time savings and making room in their closets. Recovering the residual value of their item was an additional motivation. But what I like about the Rebag Wallet is the long-game incentive to build loyalty at the supply level. Ultimately for the best brands, all markets will be supply-constrained and platforms such as The Real Real (TRR) and Rebag as well as brands such as REI are wise to begin building loyalty for those customers who trade in valuable items.Finally, as covered in BoF and WWD, peer-to-peer player, Archive raised $15M last week. Congratulations to Ryan and Emily and the Archive team. While funding isn't everything, building capabilities for brands is an investment and this puts Archive in step with peer-to-peer provider Recurate in terms of the ability to invest in needed technology. The increased competitive environment with a number of peer-to-peer platforms makes it easier than ever for brands to move forward with brand resale platforms. An incredible step for the resale industry. Longer term the test for these platforms will be scale, which I expect will require reverse logistics operations and far more investment, but the more providers and the more brands able to offer branded resale, the better.Key TakeawaysProtect your brand. All great brands must maintain brand relevance with ever-evolving culture, which increasingly includes where and how past items reflect on the brand. Rolex's launch of its pre-certified program is a great example of brands taking control.Scale will be the name of the resale game.There are more options than ever for brands to enter brand-owned resale. Brands who launch programs will over time need to assure they can achieve scale which will include reverse logistics and operations.Until Next Week,Andy Ruben | Founder & Exec Chair of TroveWeek of December 13thCan Rolex's new resale program and booming secondhand market coexist?GlossyOn December 2, luxury watch giant Rolex made an announcement heard throughout the watch world: It will officially begin selling secondhand Rolex watches certified by the brand through its 1,816 authorized dealers. It's starting with six retailers immediately, and more will be added throughout 2023.Rebag Debuts Wallet Feature to Help Break Resale Supply BottleneckPYMNTSIn announcing its new Wallet feature Wednesday (Dec. 7), the reCommerce platform is hoping the incentivized savings feature will entice more sellers into the market, Rebag founder and CEO Charles Gorra told PYMNTS, while also encouraging consumers to embrace an investor-like mentality as the 8-year-old business — and the industry — grows.eBay UK Expands Secondhand Clothing Options Through New PartnershipRetail TouchpointseBay has launched a new UK partnership with clothing resale, sanitization, and repair platform ACS to expand the online marketplace's secondhand offering and help reduce waste in the fashion industry. The partnership aims to help more brands create and scale resale offerings while adding more secondhand options to eBay UK's platform.Resale Start-up Archive Secures $15 Million in FundingWWDWith this new influx of capital, Archive's total funding is up to $24 million following a raise earlier this year in January. Today, Archive powers resale experiences spanning peer-to-peer, brand-managed, vintage marketplace and in-store resale models counting 32 brands — among them M.M. LaFleur, Filippa K, Dagne Dover, and Oscar de la Renta — in its resale camp.Resale Platform Archive Raises $15 Million Series A RoundBofFCreating tailored resale programs for each of its brand partners, Archive is one of several startups that enable brands to offer consumers a secondhand option. One of the Archive's competitors, Trove, which counts Lululemon, Levi's, and Patagonia as clients, raised $77.5 million dollars last autumn. Unlike Trove, Archive does not handle logistics on behalf of its brand partners. The bulk of its operation involves building peer-to-peer marketplaces where users can sell and purchase pre-owned pieces from one another. In recent months, Archive began to offer a managed resale model too.The death of DepopThe Michigan DailyThe popularity of thrifting, especially among young women, often drew the ire of video essayists and journals alike. According to “Gentrification in Thrifting,” published in UCLA's FEM newsmagazine, “Affluent shoppers often purchase excess inventory they found at low prices in thrift stores and resell it on websites such as Depop or Poshmark at substantially higher rates.” Due to this purchasing of clothing in bulk, blame often falls on the young women purchasing and selling these clothes online for the rise in prices and scarcity of clothing in stores like Goodwill or Salvation Army.Driven by Gen-Z, Preowned Clothing is Expected to Make Up 27% of the Average Resale Buyer's Closet By 2023Business ReviewThe secondhand market is already worth 3% to 5% of the overall apparel, footwear, and accessories sector and could grow to as much as 40%. While resale products make up approximately one-quarter of secondhand products buyers' closets, they are expected to comprise 27% of closets in 2023. Gen-Z consumers are the most apt to both buy (31%) and sell (44%) secondhand items, with millennials close behind.Has Secondhand Gifting Finally Become Acceptable This Christmas?Huffington PostFor a lot of people, the idea of buying our friends and family a gift from a charity shop feels odd. Will I offend someone if I buy them a second-hand gift? Will the gift be in good condition? What will I do if they want to return it? But, 38% of people said they had gifted someone a secondhand item over the past 12 months, according to a survey from Vinted. Another 65% of people said they would consider gifting someone a secondhand item in the next 12 months.

Hosted By Kelly Barner of Buyers Meeting Point.Corcentric Conversations | How CFOs Are Driving Business Through Digital InnovationVisit the website: https://www.corcentric.com/resources/pc-how-cfos-are-driving-business-through-digital-innovation/Matt Clark, President & COO of Corcentric, provides his insights and perspective on the results of our CFO survey conducted by PYMNTS.comWhat the Podcast covers:As Matt Clark states in his conversation opener, “The past few years have provided the level of disruption that often leads to action being taken.” In this context, he's talking with Kelly Barner about the contents of Digitization Strategies: How CFOs Are Prioritizing Digital Payments To Maximize Efficiency, a survey report of 250 CFOs in Retail and Manufacturing.In this Corcentric Conversations: How CFOs Are Driving Business Through Digital Innovation, they discuss the changing role of the CFO as a digital-forward innovator, and how a commitment to technology like digital payments proved prescient in steering companies through pandemic disruption – and has laid the groundwork for resilience as recession looms. The discussion covers:How the pandemic disruption pushed digitization from all talk to action stationsWhy CFOs need to be tech forward and develop digital fluencyHow digitization around payments, AP, AR, and even procurement helps make companies more resilient, and agile

This Thursday we're talking about a new mid size concept for Hummer, Netflix rebounds in Q3, and a new study that has retailers asking for more tech to enhance the customer experience. Just a bit smaller is what GM is considering in a new concept, said to come into its Hummer line as a mid size EV pickup. A smaller, electric Hummer is still a design concept in GM's California studio, but has a good chance of going into production and is seen as a priority project, said the people, who asked not to be identified because the plans are private.GM is spending $35bn to bring EVs to market over the next 3 yearsGM has secured 90k reservations for the current Hummer, priced at $110kAs of Sept. 30, they have only delivered 781 vehicles….TILI: 90k and 781 are different numbers, but let's add a new line for Europe!With ads and gated multi-logins on the horizon, Nexflix announces an increase of 2.4 million subscribers in Q3Most of the subscriptions came from outside of the US“After a challenging first half, we believe we're on a path to re-accelerate growth,” Netflix said in its quarterly letter to shareholders. “The key is pleasing members.”Netflix generated about $7.9 billion in revenue in the third quarter, a nearly 6 percent increase from the same period last year.The company announced they will no longer offer subscriber count as a tracking metric starting in 2023, saying that total revenue is the most important metric moving forwardAccording to a new study from retail research company PYMNTS, big retailers say they need more tech to deliver better customer experiences.American retailers use an average of 5.3 digital toolsOf those using less than 3, only 17% are happy with the experience they are providingSince March of 2020, a record number of consumers began using online ordering and curbside pickup to purchase groceries and say it is a habit they are likely to continueDespite the evidence that those who win in retail are spending on tech, overall spending on tech in retail dropped in 2021Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/ Read our most recent email at: https://www.asotu.com/media/push-back-email Share your positive dealer stories: ...

Welcome to episode #143 of the Debt Free Dad Podcast. Today we are reacting to a PYMNTS and Lending Club survey that breaks down the amount of people living paycheck to paycheck based on their income... and even more eye-opening, the amount of people living paycheck to paycheck with higher incomes.What You'll LearnListen as we react to the most recent paycheck to paycheck statistics.Discover what percentages of income limits are living paycheck to paycheck. You'll be shocked at how much money some of them make.Does income make a difference? It can! But there are some other super important tools that can have a great impact on your financial stress and success. Find out what they are on the show!Resources MentionedThe Top Ten Things Keeping You Broke... And How To Fix Them! - FREE COURSEThe Money Conversation - Free Guide10 Money Saving Ideas You Can Start Today - FREE COURSEBrad's Totally Awesome Debt Freedom PlannerFor more help, and a step-by-step process to get started, enroll in Brad's FREE online course, LIFE WITHOUT PAYMENTS.Free Tools and Downloads at www.therealdebtfreedad.comConnect With BradWebsite - https://www.therealdebtfreedad.comFacebook - https://www.facebook.com/therealdebtfreedad/Private Facebook Group - http://www.facebook.com/lifewithoutpaymentsInstagram - https://www.instagram.com/brad_nelson_debt_free_dad/Pinterest - https://www.pinterest.com/bradnelson0044/LinkedIn - https://www.linkedin.com/in/balancedcents/Thanks For ListeningLike what you hear? Please, subscribe on the platform you listen to most: Apple Podcasts, iHeartRadio, Spotify, Tune-In, Stitcher, Google Podcasts, YouTube.We LOVE feedback, and also helps us grow our podcast! Please leave us an honest review in Apple Podcasts, we read every single one.Is there someone that you think would benefit from the Debt Free Dad podcast? Please, share this episode with them on your favorite social network!

Ethereum co-founder Vitalik Buterin recently tweeted "People continue to underrate how often cryptocurrency payments are superior not even because of censorship resistance but just because they're so much more convenient. Big boost to international business and charity, and sometimes even payments within countries." A study in June 2022, predicted that the global crypto-payment gateway market is expected to grow with a CAGR of 22.8% between 2022 and 2028. Mastercard is also offering a range of cryptocurrency solutions, including the Crypto Card Program to enable crypto usage for everyday transactions. Pymnts found that 85% of businesses with over $1 billion in annual online sales accept some form of crypto-enabled payment method, such as PayPal, for purchases. 77% of the merchants that accept cryptocurrencies cite its lower processing fees for its appeal.~This episode is sponsored by Bybit~Receive up to a $500 Bonus upon depositing & signing up to Bybit.Join Now! - https://bit.ly/ByBitPBN2

A discussion on consumer expectations for e-commerce and direct-to-consumer shipping. Mark Lavelle, CEO of X Delivery, a shipping company offering national courier and delivery for e-commerce brands in the U.S, is joined by CEO of PYMNTS, Karen Webster.Port X Logistics is your easy button for your drayage, transload, and trucking needs for all ports and ramps in the United States and Canada. Our four pillars of Culture, Service, Tech, and Trucks are what set us apart from the rest. We provide full visibility from the second your container leaves the origin port to the final stage of delivery.Follow FreightWaves on Apple PodcastsFollow FreightWaves on SpotifyMore FreightWaves Podcasts

A discussion on consumer expectations for e-commerce and direct-to-consumer shipping. Mark Lavelle, CEO of X Delivery, a shipping company offering national courier and delivery for e-commerce brands in the U.S, is joined by CEO of PYMNTS, Karen Webster.Follow FreightWaves on Apple PodcastsFollow FreightWaves on SpotifyMore FreightWaves Podcasts

Shep Hickey of Bryzos and Karen Webster of PYMNTS join together in this fireside chat.Port X Logistics is your easy button for your drayage, transload, and trucking needs for all ports and ramps in the United States and Canada. Our four pillars of Culture, Service, Tech, and Trucks are what set us apart from the rest. We provide full visibility from the second your container leaves the origin port to the final stage of delivery.Follow FreightWaves on Apple PodcastsFollow FreightWaves on SpotifyMore FreightWaves Podcasts

 David Messenger of Lian Lian Global, David Emerson of SEKO Logistics, and Karen Webster of PYMNTS, join together in this fireside chat. Port X Logistics is your easy button for your drayage, transload, and trucking needs for all ports and ramps in the United States and Canada. Our four pillars of Culture, Service, Tech, and Trucks are what set us apart from the rest. We provide full visibility from the second your container leaves the origin port to the final stage of delivery.Follow FreightWaves on Apple PodcastsFollow FreightWaves on SpotifyMore FreightWaves Podcasts

Shep Hickey of Bryzos and Karen Webster of PYMNTS join together in this fireside chat.Follow FreightWaves on Apple PodcastsFollow FreightWaves on SpotifyMore FreightWaves Podcasts

 David Messenger of Lian Lian Global, David Emerson of SEKO Logistics, and Karen Webster of PYMNTS, join together in this fireside chat. Follow FreightWaves on Apple PodcastsFollow FreightWaves on SpotifyMore FreightWaves Podcasts

Karen Webster, CEO of PYMNTS, Tom Kanach, CTO at The Fision, and Jennifer Rosado, Chief Customer Officer at JOOR, join together in this fireside chat.Port X Logistics is your easy button for your drayage, transload, and trucking needs for all ports and ramps in the United States and Canada. Our four pillars of Culture, Service, Tech, and Trucks are what set us apart from the rest. We provide full visibility from the second your container leaves the origin port to the final stage of delivery.Follow FreightWaves on Apple PodcastsFollow FreightWaves on SpotifyMore FreightWaves Podcasts

Dave Haase, President of ChemDirect, Mike Kukeila, SVP of Supply Chain & Distribution Management at Schneider, and Karen Webster, CEO of PYMNTS, join together in this fireside chat.Port X Logistics is your easy button for your drayage, transload, and trucking needs for all ports and ramps in the United States and Canada. Our four pillars of Culture, Service, Tech, and Trucks are what set us apart from the rest. We provide full visibility from the second your container leaves the origin port to the final stage of delivery.Follow FreightWaves on Apple PodcastsFollow FreightWaves on SpotifyMore FreightWaves Podcasts

On today's episode Dooner and The Dude are coming to you live from FreightWaves' and PYMNTS' Supply Chain Meets FinTech virtual event.How can payments technologies improve experiences for carriers? How does financial technology improve cross-border logistics? What does the future of digital marketplaces look like? We'll explore all that and more with special guests Mustafa Azizi, co-founder and CEO of Zuum; Todd Pigeon, VP of East Coast sales at PayCargo; and Shep Hickey, founder and CEO of Bryzos. Watch on YouTubeSubscribe to the WTT newsletterApple PodcastsSpotifyMore FreightWaves PodcastsPort X Logistics is your easy button for your drayage, transload, and trucking needs for all ports and ramps in the United States and Canada. Our four pillars of Culture, Service, Tech, and Trucks are what set us apart from the rest. We provide full visibility from the second your container leaves the origin port to the final stage of delivery.

Karen Webster, CEO of PYMNTS, is joined by Distinguished Professor Emeritus and Author of "How the World Really Works", Vaclav Smil, in this fireside chat. Port X Logistics is your easy button for your drayage, transload, and trucking needs for all ports and ramps in the United States and Canada. Our four pillars of Culture, Service, Tech, and Trucks are what set us apart from the rest. We provide full visibility from the second your container leaves the origin port to the final stage of delivery.Follow FreightWaves on Apple PodcastsFollow FreightWaves on SpotifyMore FreightWaves Podcasts

On today's episode Dooner and The Dude are coming to you live from FreightWaves' and PYMNTS' Supply Chain Meets FinTech virtual event.How can payments technologies improve experiences for carriers? How does financial technology improve cross-border logistics? What does the future of digital marketplaces look like? We'll explore all that and more with special guests Mustafa Azizi, co-founder and CEO of Zuum; Todd Pigeon, VP of East Coast sales at PayCargo; and Shep Hickey, founder and CEO of Bryzos. Watch on YouTubeSubscribe to the WTT newsletterApple PodcastsSpotifyMore FreightWaves Podcasts

Karen Webster, CEO of PYMNTS, is joined by Distinguished Professor Emeritus and Author of "How the World Really Works", Vaclav Smil, in this fireside chat. Follow FreightWaves on Apple PodcastsFollow FreightWaves on SpotifyMore FreightWaves Podcasts

Dave Haase, President of ChemDirect, Mike Kukeila, SVP of Supply Chain & Distribution Management at Schneider, and Karen Webster, CEO of PYMNTS, join together in this fireside chat.Follow FreightWaves on Apple PodcastsFollow FreightWaves on SpotifyMore FreightWaves Podcasts

Karen Webster, CEO of PYMNTS, Tom Kanach, CTO at The Fision, and Jennifer Rosado, Chief Customer Officer at JOOR, join together in this fireside chat.Follow FreightWaves on Apple PodcastsFollow FreightWaves on SpotifyMore FreightWaves Podcasts

Hey Identifier, #250k #bloomberg #recession More than a third of Americans earning at least $250,000 annually say they are living paycheck to paycheck, underscoring how inflation is taking a bigger bite out of Americans' budgets at all ends of the pay spectrum. Some 36% of households taking in nearly four times the median US salary devote nearly all of their income to household expenses, according to a survey by industry publication Pymnts.com and LendingClub Corp. https://www.bloomberg.com/news/articles/2022-06-01/a-third-of-americans-making-250-000-say-costs-eat-entire-salary Leave us a Voice Mail or Support https://anchor.fm/the-identity-booth/message https://anchor.fm/the-identity-booth/support Sub to the channel here https://www.twitch.tv/theidentitybooth Donate https://streamlabs.com/projecteto/tip The Goal: Try to Identify with you as you try to Identify with me. Find Heero here: https://linktr.ee/the_identity_Booth outro Hey Baby (Produced By Melv) Take Care --- Send in a voice message: https://anchor.fm/the-identity-booth/message Support this podcast: https://anchor.fm/the-identity-booth/support

The head of a noted religious freedom advocacy organization cited “the dominance of woke culture that thinks it's OK to silence people who disagree” as the greatest threat to religious freedom in the United States and around the world.Nearly two-thirds of American consumers, including some 33% of those earning more than $250,000 annually, are living paycheck to paycheck, a new report from PYMNTS and LendingClub suggests.Christian Post reporter Ryan Foley joins "The Inside Story" to discuss the numerous attacks against pro-life pregnancy centers and what could be to come after the U.S. Supreme Court reversed Roe v. Wade last week.Actor and comedian Dave Coulier, who's best known as Uncle Joey in the iconic TV series "Full House" and its spin-off "Fuller House," is the star of a new series running on the Christian streaming service Pure Flix called "Live + Local" and recently spoke to The Christian Post about how his journey to sobriety has impacted his life."American Underdog" and "Shazam" actor Zachary Levi opens up about his battles with anxiety, depression and suicide ideation and how finding his identity and worth in Christ, along with comprehensive therapy, changed his life.Actor Chris Pratt has set the record straight about his relationship with Hillsong Church and distinguishes that his faith in God has less to do with man-made religion than his personal walk with the Lord.Subscribe to this Podcast Apple Podcasts Spotify Google Podcasts Overcast Get the Edifi App Download for iPhone Download for Android Subscribe to Our NewsletterClick here to get the top headlines delivered to your inbox every morning!Links to the News 'Woke culture' greatest threat to religious freedom: ADF CEO | Politics News Nearly two-thirds of Americans living paycheck to paycheck | U.S. News Christians don't have to affirm transgenderism, but must at work | World News UK doctor ousted for refusing to call bearded man in hypothetical scenario 'she': court hearing | World News Is more violence against pregnancy centers on the way? | U.S. News Terrorists kill 2 Catholic priests in Nigeria | World News Dave Coulier talks overcoming alcohol addiction, new series | Entertainment News Zachary Levi says faith, therapy helped him forgive abusive mom | Biographies News Chris Pratt says he's ‘really not a religious person' | Entertainment News Houston pastor was fatally shot after 10-second argument: police | U.S. News

This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022. It is from our Keynote stage and is titled, Building a digital marketplace bank: the agility of a fintech, the resilience of a bank. Speaking at this session is Scott Sanborn, LendingClub with Moderator: Karen Webster, PYMNTS.com.

In this episode of On the Mark, you'll hear about a new study from PYMNTS.com that surveyed U.S. customers about their bill pay preferences and the appeal of digital billing. Host Gene Marks discusses why small business owners should pay attention to this trend as 41% of customers cite the ease and convenience of digital payments. Learn about the benefits of making the switch to offer digital payments and become a more attractive option to your customers. Resources: Learn more about how an upgraded payment technology system can benefit your business at www.paychex.com/articles/finance/contactless-mobile-credit-card-payments. DISCLAIMER: The information presented in this podcast, and that is further provided by the presenter, should not be considered legal or accounting advice, and should not substitute for legal, accounting, or other professional advice in which the facts and circumstances may warrant. We encourage you to consult legal counsel as it pertains to your own unique situation(s) and/or with any specific legal questions you may have.  

Nearly two-thirds of Americans say they're living paycheck to paycheck, including a third of people making $250,000 a year, according to a new survey out from Pymnts.com and LendingClub Corp. We take a peek behind some of the data. Ray Dalio, founder and co-chief investment officer of Bridgewater Associates, joined us to discuss how the U.S. is entering a period of “stagflation” in one part of an extensive interview. The massive fire in New Mexico actually started out as a series of prescribed burns. The loss of control could have ripple effects on the practice.

Nearly two-thirds of Americans say they're living paycheck to paycheck, including a third of people making $250,000 a year, according to a new survey out from Pymnts.com and LendingClub Corp. We take a peek behind some of the data. Ray Dalio, founder and co-chief investment officer of Bridgewater Associates, joined us to discuss how the U.S. is entering a period of “stagflation” in one part of an extensive interview. The massive fire in New Mexico actually started out as a series of prescribed burns. The loss of control could have ripple effects on the practice.

In two different interviews today, experts see a market capable of rallying but not necessarily able to hold off a longer-term bearish trend. Market-timer Heeten Doshi, portfolio manager at  Doshi Capital Management, says that we're seeing "a day trader's market" -- high on volatility, low on direction and conviction from buyers -- that is poised for "a big bounce" or a bear-market rally because it has been oversold recently. Likewise, Avi Gilburt of ElliottWave Trader sees a rally that could start "at any point now," which could bring some back and forth that gets the market back to record-high territory, though he sees a long-term bear market that will last for years arriving in or after 2024. Also on the show, Anuj Nayar discusses a recent study from Lending Club and PYMNTS showing that more Americans are living paycheck-to-paycheck, including a lot of people with good salaries and high credit scores, and John Augustine, chief investment officer at Huntington Private Bank discusses stocks in the Market Call.

As Promiscuous as a GibbonBrian led a whole track on IRCE and helped cover tracks on personalizing your digital economy, Gen Z being underbanked, using data to fuel personalized experiences, finding opportunities in micro-segments, and more!“It's interesting how many folks from traditional design backgrounds actually wind up in eCommerce and then they get into the side of the business where it's just talking about how do we apply design, how do we apply design to this sort of what is no longer a Wild West but more of like a Mild West of design aesthetic?” -PhillipThere isn't much brand loyalty left. Shoppers are promiscuous now, and feeding them information is the way to win. The number one way for your brand to fail is by being narcissistic“If you are overly narcissistic about your brand, that's going to cause you problems in the age of the promiscuous shopper.” -BrianPhillip led two panels, “What's Hot in DTC: VC investors Weigh In” and another one with the founders of Stix and Couplet CoffeeThe show was back in much fuller force than last year, the content was amazing, and filled with fresh voicesA lot of the upcoming messaging revolving around eCommerce is going to shift away from experiential and growth into cost-cutting modeAssociated Links:Younger Consumers Embracing Mobile Wallets, Pymnts.comThe Persuadables - A Viant Study ReviewStocking up and Seeking Out, RightpointLive at Future StoresInsiders #110: Spirit Guide: Making Me a NA Beverage BelieverStay tuned for VISIONS 2022…coming soon!Subscribe to Insiders and Senses to read more of our hot takes! Listen to our other episodes of Future CommerceCheck out Decoded, our newest limited seriesHave any questions or comments about the show? Let us know on Futurecommerce.fm, or reach out to us on Twitter, Facebook, Instagram, or LinkedIn. We love hearing from our listeners!

This Week In Voice (Season 6, Episode 10) Featuring guests Phil Hall (LXT.ai) and Lauren Cowles (Veritone) Stories for discussion: 1) Voice cloning technology may have been used in Pearland scam (KHOU-11, Houston TX) 2) Amazon's Alexa is becoming a member of the family (Fortune) 3) Restaurants leverage conversational AI to automate order taking (PYMNTS.com) 4) Your iPhone has ten Harry Potter 'spells' that really work with Siri (New York Post)

In this episode, Mzukisi Rusi, VP Customer Success at Entersek, speaks on The Evolving Concept of “Trust” in Banking and Payments.

Pushpendra Mehta meets with Craig Jeffery, Managing Partner of Strategic Treasurer, to review the latest treasury news and developments. Topics of discussion center around US banks assessing their exposures to Russia, Danske Bank securing bank data information through quantum communications, B2B payments survey by PYMNTS.com and FIS, the new US cybersecurity law requiring companies to report cyberattacks to the government, and Russian banks converting to the Chinese card system to issue cards. 1:15 - US Banks audit their bank exposures following Russia sanctions https://ctmfile.com/story/us-banks-audit-their-bank-exposures-following-russia-sanctions 2:37 - Danske Bank and Quantum Key Security: Securing bank data information through quantum key innovations https://ctmfile.com/story/industry-roundup-02-march-2022 4:51 - B2B payments solutions seen as inadequate https://ctmfile.com/story/industry-roundup-third-march 6:59 - New US cybersecurity law: companies required to report cyberattacks https://ctmfile.com/story/industry-roundup-04-march-2022 9:11 - Russian banks are converting to the Chinese card system pursuant to Visa's, Mastercard's and AMEX's shut downs in Russia https://ctmfile.com/story/industry-roundup-07-march-2022

When accessing their digital financial accounts, customers want to have a choice of channels and devices to use. They also want to have a great user experience (UX), whether via a desktop website, app or mobile browser.“That flexibility is really important, allowing choice for the consumers, what works for them — and it may be different on any given day,” Lindsay Dutton, Chief of Staff at Entersekt, told PYMNTS.

Amanda Rose is a professor at Vanderbilt Law School where she works as a scholar on securities law and the institutional design of the regulatory regimes enforcing those laws. Amanda joins Macro Musings to talk about the Securities and Exchange Commission (SEC), its work and role in promoting financial stability, and her research on the SEC. Amanda and David specifically discuss the politics, governance, and politicization of the SEC, the mission of the agency, and the major issues that it must face moving forward.   Check out Conversations with Tyler: https://conversationswithtyler.com, and subscribe to Conversations with Tyler on your favorite podcast app.   Transcript for the episode can be found here: https://www.mercatus.org/bridge/tags/macro-musings Amanda's Vanderbilt Law profile: https://law.vanderbilt.edu/bio/amanda-rose   Related Links:   *Calculating SEC Whistleblower Awards: A Theoretical Approach* by Amanda Rose https://scholarship.law.vanderbilt.edu/cgi/viewcontent.cgi?article=2143&context=faculty-publications   *SPAC Mergers, IPOs, and the PSLRA's Safe Harbor: Unpacking Claims of Regulatory Arbitrage* by Amanda Rose https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3945975   *A Response to Calls for SEC-Mandated ESG Disclosure* by Amanda Rose https://openscholarship.wustl.edu/cgi/viewcontent.cgi?article=6545&context=law_lawreview   *Should the Securities and Exchange Commission Adopt a Mandatory ESG-Disclosure Framework?* by Amanda Rose https://www.mercatus.org/publications/financial-markets/should-securities-and-exchange-commission-adopt-mandatory-esg   *SEC Announces Enforcement Results for FY 2021* by the U.S. Securities and Exchange Commission https://www.sec.gov/news/press-release/2021-238   *The Chickenshit Club: Why the Justice Department Fails to Prosecute Executives* by Jesse Eisinger https://www.sandmanbooks.com/book/9781501121371   *Can NFTs Be Securities? The SEC Says Yes* by PYMNTS https://www.pymnts.com/nfts/2022/pymnts-nft-series-can-nfts-be-securities-the-sec-says-yes/   *Crypto Exchanges Will Face More Scrutiny, Says SEC Chair* by Rahul Nambiampurath https://finance.yahoo.com/news/crypto-exchanges-face-more-scrutiny-150149395.html#:~:text=SEC%20Chair%20Gary%20Gensler%20has,world%20are%20scrutinizing%20crypto%20exchanges.   David's Twitter: @DavidBeckworth David's blog: http://macromarketmusings.blogspot.com/

Andries Maritz, product manager at Entersekt, told PYMNTS in a recent podcast that traditional authentication methods must give way to risk-based authentication that learns legitimate consumer behaviors as eCommerce continues to gain ground.

In today's episode, Charlotte talks about what F*ck You Funds are, and why they're an important goal to set with your finances to give you additional freedom, security, and flexibility with your money (and therefore your life)In This Episode We Talk About:F*ck You FundsEmergency FundsHow to start saving for an Emergency & F*ck You FundResources, Sources Mentioned, & Additional ReadingNerdWallet High Yield Savings Account ComparisonA Story of A Fuck Off Fund by Paulette Perhach (an incredibly moving post)2018 Survey by GlamourSurvey by PYMNTS and Lending ClubFREE Resources by Save Live Thrive™2022 Goal Setting Workshop Workbook Organize Your Finances WorkbookMini Digital Budget PlannerProducts by Save Live Thrive™:The Budget Pro SpreadsheetDigital Budget PlannersFinancial Education Programs by Save Live Thrive™The Wealth Building Bootcamp: A 12-week group coaching experience designed to teach you how to build wealth, pay off debt, and live the life of your dreams.If you are brand new to the SLT community, don't forget to connect with us and make this newfound friendship official!Follow on InstagramFollow on TikTokJoin our NewsletterHelp the Thrive With Money Podcast grow! Follow this link to leave a 5-star review.Disclaimer: The content and information provided on this podcast is for educational purposes only and does not constitute professional financial, legal, or tax advice. For recommendations on your specific financial situation, you must additionally seek the services of an appropriate licensed legal, accounting, tax, or investment professional.Music written by Chris Glassman

On this episode, we talk about the importance of financial access with Lisha Bell, Founder of BLXvc. We discuss her journey into investing and how she's working to increase access to assets for people of color. To find out more about Lisha Bell and her work connect with her online at: Lisha Bell Website Lisha Bell Twitter Lisha Bell LinkedIN BLXvc Website Pipeline Angels Website Subscribe to the PYMNTS resource recommended by Lisha at PYMNTS.com. Follow Investor Arlan Hamilton on Twitter at ArlanWasHere and purchase her book, It's About Damn Time. So that this podcast can continue to center Black and Indigenous voices of social impact, consider supporting us with a donation here. At Consciously Funded we support Historically Black Colleges and Universities (HBCUs). You can do so also through the Thurgood Marshall College Foundation or the United Negro College Fund. Shop T-Shirts, Hoodies, Sweatshirts, and Mugs at ConsciouslyFunded.com to showcase your commitment to center Black and Indigenous voices. This episode was brought to you by the Social Enterprise Community and Socially Driven Magazine. Join and Subscribe! --- Send in a voice message: https://podcasters.spotify.com/pod/show/consciouslyfunded/message Support this podcast: https://podcasters.spotify.com/pod/show/consciouslyfunded/support