Podcasts about uk europe

UK's Electoral System Challenges Naomi Smith, Chief Executive of Best for Britain, discusses the challenges of the UK's first-past-the-post electoral system and its impact on political strategies. She points out that the system is no longer working effectively for the two main parties, with recent elections showing candidates winning with as little as 22-25% of the vote.This situation has led to discussions about whether major parties should try to appeal to their core supporters or attempt to win over voters from other parties. Naomi emphasises the need for a new approach to address the limitations of the current electoral system.Brexit's Impact on UK Economy and PoliticsNaomi and Nick discussed the impact of Brexit on the UK economy and the political landscape. Naomi highlighted the fragmentation of voter preferences, with people switching from Labour to Reform UK and the Greens. She noted that Labour's inability to deliver progressive economic policies was hurting their appeal. Nick criticised Nigel Farage for the economic consequences of Brexit, but Naomi points out that the media rarely questions Reform UK's policies beyond Brexit. They agreed that politicians need to lead the conversation and not just react to past elections.UK Politics: Fragmentation and ChallengesThe discussion focuses on the current state of UK politics, particularly the Conservative Party's struggles and the rise of Reform UK. Naomi says that the political landscape is fragmented, with different parties leading in various regions. She notes that Labour needs to provide a compelling vision to motivate progressive voters. The conversation also touches on the potential for a "regressive alliance" between Conservatives and Reform UK, and the need for Labour to deliver meaningful change if they win the next election.Labour's Strategy and Progressive Party RelationsThe discussion focuses on the Labour Party's current strategy and its relationship with other progressive parties. Naomi suggests that Labour is losing more votes to the Liberal Democrats, SNP, and Green Party than to Reform UK. She also mentions internal concerns within the Labour Party about the proposed Welfare Bill, which could increase poverty and break manifesto promises. The conversation then shifts to the Green Party's perspective, with Naomi stating that Green Party leaders feel Labour is arrogant and unwilling to engage in discussions about combating the far right. The Greens' decision to run more candidates in the last election is attributed to a lack of reciprocation from Labour for their previous cooperation. Naomi expressed optimism about Britain's future, emphasising the need to address issues such as stagnant wages and declining public services. Read all about it!Naomi Smith is one of the country's most incisive commentators on politics & the UK-Europe relationship. She can also be found on Bluesky . Naomi is also a seasoned podcaster, co-hosting the Quiet Riot Pod, the politics podcast with more passion, less shouting & lots of laughter. Nick Cohen's @NichCohen4 latest Substack column Writing from London on politics and culture from the UK and beyond. Hosted on Acast. See acast.com/privacy for more information.

A noticeably frail Pope Francis has made a surprise appearance at Vatican City. The 88-year-old was in a wheelchair and wearing a nasal cannula for oxygen, when greeting onlookers in St Peter's Square. It's his first official public appearance since he was released from hospital, after a life-threatening bout of double pneumonia. International Correspondent, Gavin Grey says told Andrew Dickens the Pope ignored doctor's orders. He says Pope Francis was told to take several weeks off duties, upon release from hospital after a five-week stay. See omnystudio.com/listener for privacy information.

Positive steps for Pope Francis, following his five-week battle with double pneumonia. The 88-year-old's been discharged from hospital back to his Vatican residence -- thanking onlookers from his balcony. UK/ Europe Correspondent Gavin Grey told Andrew Dickens further details of The Pope's hospital condition have emerged upon his release. He says it's been confirmed Pope Francis suffered two significant medical episodes, where his life was in danger. Pope Francis will now take a two-month break from duties, under strict doctor's orders. See omnystudio.com/listener for privacy information.

COFFEE MOANING the PODCAST ON APPLE PODCASTS: https://podcasts.apple.com/gb/podcast/coffee-moaning/id1689250679ON SPOTIFY: https://open.spotify.com/show/3p6z4A1RbhidO0pnOGGZl2?si=IqwD7REzTwWdwsbn2gzWCg&nd=1HOW TO STAY MARRIED (SO FAR) the PODCASTON SPOTIFY: https://open.spotify.com/show/57MT4cv2c3i06ryQlIpUXc?si=1b5ed24f40c54ebaON APPLE PODCASTS: https://podcasts.apple.com/gb/podcast/how-to-stay-married-so-far/id1294257563 Hosted on Acast. See acast.com/privacy for more information.

Nick talks to Naomi Smith of the campaign group Best for Britain on the dead hand of BrexitOn the fifth anniversary of Brexit, Nick Cohen @NickCohen4 talks with Naomi Smith, @pimllicat chief executive officer of Best for Britain which is campaigning for a re-building of the important relationship the UK once enjoyed with its closest and biggest trading partners in the European Union.Brexit is dead - but long live Brexit!Poll after poll has shown that public confidence in Brexit has all but collapsed. The July 2024 election returned a strong remainer-friendly parliament and yet the Labour government is trying to work with the badly bungled hard Brexit deal inflicted on the country by Boris Johnson and David Frost.Same old Brexit doom loop to appease the same old Brexit nut-jobsNaomi argues that the government can be bolder in re-building the relationship with Europe, so recklessly destroyed by Johnson & co. The country should not allow itself to be trapped with a project that has obviously failed. It seems Brexit is being prosecuted by people who don't believe in it to indulge the extremist nationalist fantasies of the political & media grifters & con artists who argued for for it.The UK can escape the dead hand of Brexit"We are not stuck with it and there is a way out," insists Naomi, who cites reliable recent research showing how Brexit is impoverishing the average Brit by at least £2,000 a year, killing growth, ransacking public services, crippling business with red tape and not only killing growth, but is knocking a massive 4% off annual GDP. (The 2008 Great Recession/crash led to a 2% reduction.)Breaking the Brexit OmertàNamoi said the government is beginning to break the taboo on Brexit, adding, "they are now beginning to talk more openly about how bad the deal that Johnson and Frost negotiated was for the country...They are now beginning to talk more openly about how bad the deal that Johnson and Frost negotiated was for the country. They don't do it ad nauseam."Naomi adds, "People aren't stupid. They've realised that they were sold a load of rubbish, and that their lives weren't going to improve and they can't now see their GP any more easily than they could before we left the EU etc."Naomi Smith is one of the country's most incisive commentators on politics & the UK-Europe relationship. She can also be found on Bluesky . Naomi is also a seasoned podcaster, co-hosting the Quiet Riot Pod, the politics podcast with more passion, less shouting & lots of laughter. Nick Cohen's @NickCohen4 latest Substack column Writing from London on politics and culture from the UK and beyond. Hosted on Acast. See acast.com/privacy for more information.

Ferrero Group recently announced it had signed an agreement to acquire Power Crunch. But why would the one of the world's largest sweet-packaged food companies acquire Power Crunch? Ferrero Group is no different than other multinational confectionary giants from Hershey's to Mondelez and Mars, as involvement within the bar format of convenient nutrition is not abnormal (whether entering through M&A activity or brand extension development). In fact, Power Crunch isn't even the first deal by Ferrero Group that involved a brand selling nutritional (and/or protein) bars…as they bought the brand Eat Natural in late-2020 and FULFIL Nutrition in mid-2022. And while this Power Crunch deal signals to me that Ferrero Group wants to own substantial market share within the wellbeing snacking space…don't just take my word for it. In the press release, both Kevin Lawrence (Power Crunch founder) and Ferrero Group leadership included quotes that referenced ambitions around wellbeing snacking categorical growth…focusing on quality craftsmanship, distinctive products, and thoughtful investment. And maybe that's really why Ferrero Group targeted Power Crunch. The protein bar market (like the entire supplement industry) has mostly a “sea of sameness” composition. But where the protein bar (or functional foods space in general) varies is that differentiation can be derived from having a unique form factor. Furthermore, if that unique form factor proves popular…a competitive advantage can be created through defensibility if you own/created that manufacturing process. And as part of the transaction, Ferrero Group will take over a California facility and absorb approximately 50 employees…with my assumption being that these were key operational assets (and human capital). But while the form factor of Power Crunch is unique it's not 100% proprietary (with an increase of crème-filled wafer crisp style competitors lately). But in a contract manufacturing “follow the leader” dominated category like protein bars you'd expect to see many more competitors. Additionally, when a billion-dollar active nutrition brand like Optimum Nutrition tries (and fails) within a short timeframe to make a similar wafer style form factor successful…it likely tells you (1) the production difficulty level and (2) consumers believe the superior taste and texture of Power Crunch creates a high enough switching cost to sustain its market share. But while financial details of the M&A transaction were not disclosed, some rough “napkin math,” Power Crunch is about one-third the size of Quest Nutrition and about the same size as FitCrunch that was just acquired by 1440 Foods. And while those transaction details were also not made public, I'd estimate the FitCrunch valuation to be slightly higher because of the stronger growth rates and larger manufacturing facilities…partially offset by the fact that private equity was involved (compared to Ferrero Group being a strategic). But then finally, Power Crunch is about seven times larger than the U.S. market size of the other Ferrero Group protein bar brand FULFIL…though the bulk of their historical revenue has been generated in the UK/Europe and I believe the brand has massive upside in the coming years. But in my latest first principles thinking content, I'll also consider what could be next for Power Crunch, as Ferrero Group will be faced with a depth or breadth strategic decision.

The Wombats have sold over a million albums and achieved over 2.5 billion streams since they first wowed audiences 20 years ago. With eagerly awaited new album ‘Oh! The Ocean' out In February and a UK/Europe arena tour to follow in March, founding member and Everton devotee Dan Haggis joins @theodelaney on Life goals with Big Duncan Ferguson, Barry Horne and Tim Howard(!) among his chosen scorers. The Killers, Radiohead and Neil Young feature on the intriguing music list.@Dan8TheMan @thewombats@LifeGoalsTD@theodelaney https://thewombats.ffm.to/bloodonthehospitalfloorhttps://www.theodelaney.com/life-goals-links

The FCA's recent victory (http://go-ri.tr.com/Ee9lhf) in the Court of Appeal against BlueCrest Capital Management presented an interesting reversal of a tribunal decision last year (http://go-ri.tr.com/0olu4N) which sided with BlueCrest.Whether the case now goes to a full hearing at the tribunal or an appeal to the Supreme Court on these preliminary issues remains to be seen.Whatever the outcome, it could have serious implications for both regulated firms and the regulator.In this week's podcast, senior regulatory intelligence expert Helen Parry discusses the case and its ramifications in conversation with Trond Vagen, senior editor, UK & Europe.The Compliance Clarified podcast series covers a wide range of topics that affect compliance officers at financial institutions and aims to help them navigate the often challenging regulatory environment. It considers the significant challenges of the day and offers practical ideas for emerging best practices.Links:http://go-ri.tr.com/Ee9lhfhttp://go-ri.tr.com/0olu4Nhttp://go-ri.tr.com/fWunnjhttp://go-ri.tr.com/hGFF7rhttp://go-ri.tr.com/6vyBxe Compliance Clarified is a podcast from Thomson Reuters Regulatory Intelligence.Listen to wide-ranging, insightful discussions on all things compliance for financial services firms. We delve into the hot topics of the day, the challenges faced and offer up practical ideas for emerging good practice. We de-mystify regulation and explore the art, as well as the science, of the ever-expanding role of the compliance officer.  Enforcements, digital transformation, regulatory change, governance, culture, conduct risk – anything and everything impacting the compliance function is up for discussion.

Adam Day, International Expansion Leader | UK, Europe & India at eXp, joins James Hughes, Jonathan Woods and James George on The Property Business Podcast. This week we get to chat with the person behind starting and the expansion of eXp in the UK.

You bet, we thank our sponsor, Optimove! We hit the ultimate payout with Optimove! With their CRM software, you're not just tracking customers—you're managing high-rollers and casual gamers with the finesse of a blackjack dealer. Now you can double down on personalized offers and never worry about going bust. Thank you Optimove for stacking the deck in our favor!   Also big thanks to our sponsor Clarion Gaming and ICE Barcelona 2025 for not only keeping the gaming world connected 365 days a year, but also for making sure Jon and Fintan can keep talking about it! You guys really are the master key to this chaotic, wonderful gaming universe, and without you, we'd all be lost in a sea of buttons, screens, and confusing strategies. Thank you Clarion Gaming for being the champions of connection, and we'll see you in Barcelona for ICE 2025!    How do gambling companies balance VIP treatment with responsible gaming practices? Also, what role do gambling companies play in exacerbating addiction among high-rollers?   In this episode (The Gambling Files RTFM 182), reporter Katherine Sayre of The Wall Street Journal returns to discuss her investigative reporting on gambling addiction within the high-roller VIP circles.   This episode in a nutshell:   * Katherine's investigation into a psychiatrist's gambling addiction and the VIP treatment she received (link to the article below).   * VIP programs: When perks and bonuses cross the line.   * Differences in regulatory approaches between the U.S. and the UK/Europe.   * The role of state regulators in curbing gambling addiction.   * High-roller bettors and their influence on operator revenues.   * The fine line between entertainment and exploitation in gambling marketing.   * The growing scrutiny around sweepstakes casinos in the U.S.   * The rise of unregulated sweepstakes in the online casino space.   Choice quotes:   * Fintan Costello: “The VIP team play a very, very important part of every operator.”    * Katherine Sayre: “Back in 2019, PointsBet reported internally that a half a percent of their sports betting customer base generated 70% of its revenue. So that stuck out to me as proof of how important high rollers are [to digital gambling platforms].”   * Katherine Sayre: “The gambling industry has always promised to do something about this [problem gambling]. It's [now] time to see how they are actually going to handle this.”   * Jon Bruford: “If gambling businesses say that they take responsible gambling seriously, and then don't, there's going to be repercussions—especially when it's part of their licensing.”   * Jon Bruford: “VIP high rollers and problem gamblers do share some commonalities in how they play. But they also share them with money launderers, and that doesn't mean that every problem gambler is a money launderer.”   Thanks to Katherine Sayre for being on the show!    Read Katherine Sayre's The Wall Street Journal article, “A Psychiatrist Tried to Quit Gambling. Betting Apps Kept Her Hooked,” that was discussed in this episode: https://www.wsj.com/business/hospitality/gambling-addiction-sports-betting-apps-4463cde0    Connect with Katherine at LinkedIn: https://www.linkedin.com/in/katherinesayre   The Gambling Files podcast delves into the business side of the betting world. Each week, join Jon Bruford and Fintan Costello as they discuss current hot topics with world-leading gambling experts.   Website: https://www.thegamblingfiles.com/   Subscribe on Apple Podcasts: https://apple.co/3A57jkR   Subscribe on Spotify: https://spoti.fi/4cs6ReF    Subscribe on YouTube: https://www.youtube.com/@TheGamblingFilesPodcast    Fintan Costello on LinkedIn: https://www.linkedin.com/in/fintancostello/    Jon Bruford on LinkedIn: https://www.linkedin.com/in/jon-bruford-84346636/    Follow the podcast on LinkedIn: https://www.linkedin.com/company/the-gambling-files-podcast/    Sponsorship enquiries: https://www.thegamblingfiles.com/contact/    Get our newsletter: https://thegamblingfilestldr.substack.com/   This episode was produced by Story On Media & Marketing: https://www.SuccessWithStories.com   

The Young Changemaker Awards were launched by PRovoke Media and WE Communications in 2022 to celebrate young female communicators from underrepresented groups across North America, UK/Europe and APAC/MEA. In this podcast, the third class of recipients gather with WE founder/CEO Melissa Waggener Zorkin and PRovoke Media editor-in-chief Arun Sudhaman to discuss their the program's importance, the lessons they are hoping to learn, and their advice for PR industry leaders.  This show features the 2024 Young Changemakers: Adina James (UK/Europe), account director, Allison Mei Lee (APAC/MEA), senior designer, Retroviral  Paula Chirinos (North America), SAE, Ketchum  

Im Ö1 Mittagsjournal gesendet am 28.08.24

We had the pleasure of interviewing Livingston over Zoom video!LIVINGSTON is a 21-year-old singer-songwriter who is having an insane year. In March, he released his debut album A Hometown Odyssey, which has already amassed over 70 million streams on Spotify alone. (Check out lead singles “Last Man Standing” and “Shadow.”) He sold out his first-ever headline tours in both North America, and the UK/Europe. LIVINGSTON gained over 7M followers across all platforms and was named Youtube's Artist on the Rise in June 2024. His uncanny ability to empower listeners to realize their potential has accelerated Livingston's ascent as a world-building alt-pop music maverick.We want to hear from you! Please email Hello@BringinitBackwards.comwww.BringinitBackwards.com#podcast #interview #bringinbackpod #Livingston #NewMusic #ZoomListen & Subscribe to BiBhttps://www.bringinitbackwards.com/followFollow our podcast on Instagram and Twitter! https://www.facebook.com/groups/bringinbackpodBecome a supporter of this podcast: https://www.spreaker.com/podcast/bringin-it-backwards--4972373/support.

Our coverage of amazing albums celebrating their 40th anniversary continues. 70s glam rockers Slade were over big in the UK/Europe, but it wasn't until the “Keep Your Hands Off My Power Supply” album that Noddy and the Boyz breakthrough on the side of the pond. It's been a favorite of ours since the get go.To celebrate we're giving the record a track -by-track going over, and throwing in a bit... The post Radioactive Metal 797: Put Your Hands On This appeared first on Shining Wizards Network.

Our coverage of amazing albums celebrating their 40th anniversary continues.   70s glam rockers Slade were over big in the UK/Europe, but it wasn't until the "Keep Your Hands Off My Power Supply" album that Noddy and the Boyz breakthrough on the side of the pond. It's been a favorite of ours since the get go.To celebrate we're giving the record a track -by-track going over, and throwing in a bit of trivia as well.   In our "News, Views and Tunes", the first Spirit of Halloween locale opened in Winnipeg and we have some Doctor Who geek speak.   Musically, we crank some Deceased, Blitzkrieg, Morbius, Guillotine, Amethyst, Toxik Death and we introduce the hilarious Raised By Owls in our "Indie Spotlight". Horns Up!!

Pre-IPO stock valuations = www.agdillon.com/reportsPre-IPO weekly market update pdf = www.agdillon.com/updatePre-IPO stock index fact sheet = www.agdillon.com/index00:07 | Axiom Space, Gravitics space station deal- Axiom Space, Gravitics develop space stations- $125m deal to develop new space station- Drive in-space manufacturing (new industry!)- SpaceX rockets will deliver new space station to orbit- Axiom Series C in Aug 2023 put the company at a $2.5b valuation- Gravitics posted a seed round in Dec 2022 at a $100m valuation01:41 | $50m for Athletic Brewing- Non-alcoholic beer- General Atlantic led- 10th largest US craft brewery- 19% non-alcoholic beer market share- $90m 2023 revenue, 3m cases sold- $800m valuation- 40% of Americans … 49% millennials, 61% Gen Z … trying to drink less alcohol02:25 | Neuralink second patient next week- Brain computer interface company- First patient, Noland Arbaugh (Jan 2024), can control a computer with just thoughts- Goal is to mitigate chip “thread” retraction and improve thread placement- $7.7b secondary market valuation, +122% vs its Nov 2023 round03:22 | xAI kills Oracle deal- AI large language model company- Owned by Elon Musk, X owns 25%- xAI was renting 24k Nvidia chips from Oracle- Deal ended as xAI building 100k Nvidia chip facility in Tennessee- $24b secondary market valuation, flat to its May 2024 round04:03 | $270m “investment” fund from Shein- Fast fashion company, direct to consumer- $270m into UK/Europe to combat industry waste, support regional brands- IPO expected on London Stock Exchange- Headquartered in Singapore, developed market company?- $66b valuation in its May 2023 Series G04:53 | AGI test from OpenAI- AI large language model business- New test details exactly what an artificial general intelligence (AGI) is- 5 “Levels”, OpenAI currently at Level 1- Level 5 has AI performing organizational work, or AI has autonomous decision making- CEO Altman believes AGI will be accomplished by 2030- $105b secondary market valuation, +22% vs its Apr 2024 last round05:44 | Apple, Microsoft off OpenAI board- Microsoft is $13b investor in OpenAI- OpenAI to power Apple Siri assistant- US/EU regulators voices antitrust concerns- Both companies recused themselves from board observer roles- OpenAI plans to consistently meet with both in future, so no real change?06:35 | 400% increase in SpaceX Starship launches- Space payload delivery and satellite internet company (Starlink)- Seek FAA approval to increase from 4 to 25 Starship launches- Starship has 4x the payload capacity of the current Falcon 9 and 97% less expensive per launch ($2m vs $62m)- $199b secondary market valuation, +10% vs its Jan 2024 round- Note that SpaceX is currently closing a tender round at a $210b valuation07:32 | Pre-IPO -0.23% for week, +62.79% for last 1yr- www.agdillon.com/reports for full pdf- Up week: Chime +13.6%, CoreWeave +8.5%, SpaceX +2.3%, Anthropic +1.8%, ByteDance +1.3%- Down week: Groq -21.9%, Ramp -8.5%, eToro -2.0%, Notion -1.2%, Scale AI -1.0%- Top valuations: ByteDance $289b, SpaceX $199b, OpenAI $105b, Stripe $78b, Databricks $44b08:23 | 2024 Pre-IPO Stock Vintage Index week performance- www.agdillon.com/index for pdf with constituents level performance by year- 2024 Vintage Index top contributors since inception: Rippling +107%, Anduril +56%, Revolut +56%, Klarna +45%, Epic Games +37%- Key metric averages for all Vintage Indexes 5 years old or older…444% cumulative return since inception61% realized, distributed to investors5.44 TVPI; 3.31 DPI, 2.13 RVPI4.1 years to return the fund

A few days after Labour leader Keir Starmer was elected British prime minister on July 4 with a landslide victory, ending 14 years of Conservative-led rule, a coalition of left-wing parties came out on top in the French legislative elections. It was a good week for the left in this corner of Europe.In this episode, we've brought together an expert from each country to help analyse the results and what they tell us about the right in French and British politics. Featuring Tim Bale, Professor of Politics, Queen Mary University of London and Safia Dahani, post-doctoral researcher in sociology at Université Paris 1 Panthéon-Sorbonne.We're running a listener survey to hear what you think about the podcast. It should take just a few minutes of your time and we'd really appreciate your thoughts. You can fill it in here.This episode was written and produced by Mend Mariwany and Gemma Ware. Eloise Stevens does our sound design, and our theme music is by Neeta Sarl. Gemma Ware is the executive editor. Full credits available here. Subscribe to a free daily newsletter from The Conversation. To support what we do, please consider donating to The Conversation.Further reading:French elections: ‘Power will shift from the presidential palace to the National Assembly and the Senate'« La légitimation de l'extrême droite est autant le fait d'autres partis que de l'espace médiatique »Starmer must seize the chance to rethink the UK-Europe relationship – here's how he can do itTory wipeout delivers landslide Labour victory: what the experts say Hosted on Acast. See acast.com/privacy for more information.

Video Version: https://youtu.be/1g6XUfyE81o Miss Melody is a powerful performer with versatile abilities such as; emcee, rap, sing, and known to host over various DJ sets. She has a history of hosting and performing with big players in Drum & Bass & other industries in the UK & Europe. This has led her to headline at festivals, clubs and venues with many legendary worldwide DJs. Some artists include; Pendulum, DJ Hype, DJ Hazard, Brooke's Brothers, Skibadee, Pied Piper, DJ Storm, Ray Keith, SASASAS, Demolition Man, and Dillinja to name a few. In 2021 Miss Melody met a high prolific Drum & Bass producer called Sakkura. They started collaborating, writing and experimenting with various styles of vocals and production, forming a distinctive sound on tracks. In 2022 Miss Melody became a band member of Sakkura live. Sakkura (Live) is a live Drum & Bass project showcasing their own various compilations of production, tracks, music and styles. Within this year, Miss Melody has been creating a lot of diverse styles of music. Her tracks have also featured on Apple playlists, Radio 1, BBC 1Xtra & BBC Introducing. This includes recurring live performances for BBC Introducing --- Send in a voice message: https://podcasters.spotify.com/pod/show/raveroompodcast/message

Irish banks offer significantly poor digital services in comparison to our EU counterparts. Undertaking a significant digital transformation project, with potential costs exceeding millions of euro, becomes a discretionary decision for Irish banks due to the lack of competition for banks to revamp their digital services. These are the thoughts of Roisin Levine, the Head of Partnerships, UK & Europe at Wise, and Ronan recently spoke to Roisin.  Roisin talks about her background, what Wise does, Irish Banks, and more More about Roisin: Roisin Levine, is the Head of Partnerships, UK & Europe at Wise and is the powerhouse behind Wise Platform's partnerships with major banks like Monzo, N26 and fintech giants GoCardless, Brex, GooglePay, and many more. She specialises in providing comprehensive solutions to partners, encompassing cross-border payments and Correspondent Services. Her contributions have helped to establish Wise as a key industry player and have grown Wise Platform, Wise's global payment infrastructure for banks and major enterprises. Prior to joining Wise, Roisin was Head of Banks at Flux, and Head of Partnerships at Funding Options. She was recognised as a ‘Rising Star' in previous Women in Fintech Power lists and was nominated for the Women in Finance Young Leader of the Year award. 

Irish banks offer significantly poor digital services in comparison to our EU counterparts. Undertaking a significant digital transformation project, with potential costs exceeding millions of euro, becomes a discretionary decision for Irish banks due to the lack of competition for banks to revamp their digital services. These are the thoughts of Roisin Levine, the Head of Partnerships, UK & Europe at Wise, and Ronan recently spoke to Roisin. Roisin talks about her background, what Wise does, Irish Banks, and more More about Roisin: Roisin Levine, is the Head of Partnerships, UK & Europe at Wise and is the powerhouse behind Wise Platform's partnerships with major banks like Monzo, N26 and fintech giants GoCardless, Brex, GooglePay, and many more. She specialises in providing comprehensive solutions to partners, encompassing cross-border payments and Correspondent Services. Her contributions have helped to establish Wise as a key industry player and have grown Wise Platform, Wise's global payment infrastructure for banks and major enterprises. Prior to joining Wise, Roisin was Head of Banks at Flux, and Head of Partnerships at Funding Options. She was recognised as a 'Rising Star' in previous Women in Fintech Power lists and was nominated for the Women in Finance Young Leader of the Year award. See more stories here. More about Irish Tech News Irish Tech News are Ireland's No. 1 Online Tech Publication and often Ireland's No.1 Tech Podcast too. You can find hundreds of fantastic previous episodes and subscribe using whatever platform you like via our Anchor.fm page here: https://anchor.fm/irish-tech-news If you'd like to be featured in an upcoming Podcast email us at Simon@IrishTechNews.ie now to discuss. Irish Tech News have a range of services available to help promote your business. Why not drop us a line at Info@IrishTechNews.ie now to find out more about how we can help you reach our audience. You can also find and follow us on Twitter, LinkedIn, Facebook, Instagram, TikTok and Snapchat.

Get the latest update on the treasury market from experts in the UK, Europe, and the US in this week's Treasury Career Corner podcast.In this episode, we have Craig Perkins, who heads up our UK division, Katie Hardie, who leads on Europe, and Joe Grabowski, who leads our efforts in the US. These experts will provide insights into the current state of the treasury market in their respective regions.The episode discusses the state of the treasury market in the UK, Europe, and the US. It highlights the demand for treasury talent, the challenges in recruitment, and the importance of qualifications and education in the field. The guests also touch on the impact of hybrid working and the factors that contribute to employee satisfaction and retention. Overall, the episode provides a comprehensive overview of the treasury market outlook for 2024.What to Expect: Insights into the state of the treasury market in the UK, Europe, and the USDiscussion on the demand for treasury talent and challenges in recruitmentInsights into the importance of qualifications and education in the treasury fieldExploration of the impact of hybrid working on treasury professionalsDiscussion on factors contributing to employee satisfaction and retentionYou can connect with Mike Richards on LinkedIn. You can connect with Craig Perkins on LinkedIn. You can connect with Katie Hardie on LinkedIn. You can connect with Joe Grabowski on LinkedIn. Global vs. Local: Get the full picture about the trends globally here - https://treasuryrecruitment.com/insights-from-our-q1-2024-treasury-salary-survey/Dive deeper into treasury trends and insights by visiting our blog - https://treasuryrecruitment.com/blog/Why not be part of the most comprehensive treasury salary survey in the market - https://treasuryrecruitment.com/candidates/resources/salary-survey/Are you interested in pursuing a career within Treasury?Whether you've recently graduated, or you want to search for new job opportunities to help develop your treasury career, The Treasury Recruitment Company can help you in your search for the perfect job. Find out more here. Or, send us your CV and let us help you in your next career move!If you're enjoying the show please rate and review us on whatever podcast app you listen to us on, for Apple Podcasts click here!To subscribe to the Treasury Career Corner podcast via:Apple

Wise, the international money account, is harnessing the power of long-distance payments to bring people together and keep them connected this Valentine's and Galentines weekend. Wise surveyed 1,000 Irish consumers and found that: 60% of Irish people plan on splurging this Valentine's Day. Of those splurging, they plan to spend at least €80 this Valentine's weekend wooing their partners and/or treating their friends Couples jetting off to romantic locations are set to spend over €400 this Valentine's on their romantic getaway Almost 4 in 10 (40%) of Irish people are in long-distance relationships/friendships and of those, 7% plan to travel to spend Valentine's with their loved one One in 10 (10%) plan to only spend €20 or less on Valentine's classics like flowers or chocolate, perhaps saving funds to focus on travel plans. 16% of those who said they were in a long-distance relationship/friendship send their loved ones money at least once a month Roisin Levine, Head of Partnerships, UK & Europe at Wise said: "International couples don't want to be on the back foot when it comes to money, especially on Valentine's Day. If your partner is living in or is from a different country to you, it can be tricky. They will likely have a foreign bank account and will get paid in another currency, causing stress for you both when you want to send a bunch of flowers or a card this year. A lot of people aren't aware that most of these transactions will be more expensive due to hidden fees tacked on by banks when sending or spending money abroad. Using a tool like Wise can limit the impact of these fees and ensure that the time you spend with loved ones abroad this Valentine's / Galentine's Day is focused on the things that really matter." With thousands of Irish citizens emigrating (64,000 in 2023) and living abroad in countries like Australia, Canada and the US, digital payment providers like Wise have proved essential for long-distance couples and friends who want to easily transfer money, spend in their loved ones' currency or split bills when travelling together. Of those Irish people surveyed who are in long-distance relationships: 26% of couples believe that digital banking makes it easier to send secure, cross-border payments to loved ones 25% of those in a long-distance couple state it makes online purchases in different currencies easier and allows them to send orders directly to their long-distance partners and friends 22% say it allows them to send money in their currency instantly at a fair price 16% state it allows them to more easily split bills when booking flights, accommodation or travel with friends or their partner 15% state it allows them to easily save together through digital features like Vaults, Pockets and Jars Roisin Levine, Head of Partnerships, UK & Europe at Wise added: "And not all international relationships are romantic. This is true for family and friends, too. Splitting dinner and drinks can end up costing the friend or family member visiting you from abroad a lot more money in hidden fees. It's important to make sure your loved ones always pay for a meal in the local currency". See more stories here.

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: Some Vacation Photos, published by johnswentworth on January 4, 2024 on LessWrong. In the past three months, I've flown overnight from San Francisco to the UK/Europe three times. Three times, I got a window seat on the left side of the plane. And three times... well, see for yourself. Key thing to know: these aurora did not look like this to the naked eye. They were usually too faint to see the color at all; they looked like faint moonlight shining around the edges of a dark cloud. Except the "cloud" was higher up than an airplane flying at 10+ km. It wasn't apparent what they were until I blocked out light from the cabin and took a long-exposure photo. (On my phone, that just means using the "night sight" mode.) That kinda makes these aurora cooler, in a way - you won't really notice there's anything interesting there unless you know to look for it and then image it in a special way. Thanks for listening. To help us out with The Nonlinear Library or to learn more, please visit nonlinear.org

Peter Smith has been a consciousness explorer for almost 30 years. He left a promising career as a banking executive to chase his dreams and follow the call of his soul. Over time he founded two Hypnotherapy Schools and created the modality of Hypnoenergetics.Peter was president of the Michael Newton Institute for Life Between Lives from 2009 to 2019 and continues to guide the organization that has now expanded to 40 countries, as a member of the Board. He received the ‘Peggy Newton Award' in 2013 for outstanding service to the Institute and has taught for them across the USA, the UK/Europe and Australasia.In 2013, Pete founded the Institute for Quantum Consciousness to blend spirituality with key principles of Quantum Physics. He has built a network of facilitators all around the world who take clients on journeys to show them their magnificence, transcend old therapeutic systems and visit other realities and dimensions.His published works include Hypnoenergetics – The Four Dimensions (2011), Quantum Consciousness – Journey through other realms (2018) and The Transcendence of Celeste Kelly (2023), his first novelization of a lifetime of consciousness work.Pete has written over a dozen forewords for non-fiction books in the consciousness genre, writes regularly for some key publications and is a sought-after speaker in his chosen field.Please enjoy my conversation with Peter Smith.This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4858435/advertisement

Matt Fiddes is a respected expert in the international world of martial arts, fitness, and entrepreneurship. He first discovered a talent for martial arts at seven years old after being bullied at school. Five years later, he won his Black Belt. Leaving school at sixteen with no qualifications , Matt opened the first Matt Fiddes Martial Arts School in Barnstaple, North Devon, with just £100 in savings. Within no time, he had over 700 members and it became the largest martial arts school in the UK.   Matt's unique life skill and educational programs have been a massive success, with over 1500 MF schools across the UK/Europe, including Ireland, Germany, Holland, Australia, and South Africa. He holds a 7th Degree Black Belt in Tae Kwon Do and Black Belts in Kickboxing and Kung Fu.   Matt has numerous celebrity clients, including the late Michael Jackson, whom he served as a personal bodyguard and friend for over a decade. In addition to martial arts, Matt launched “MF Dance,” offering street dance programs worldwide. He has collaborated with Boxercise and Kick boxercise, leading to the opening of over 2000 new MF locations in 54 countries.   In 2016, Matt gained international recognition for providing expert advice as a bodyguard and self-defense consultant on the Kim Kardashian robbery in Paris. He has appeared on major TV stations and has been featured in newspapers and magazines worldwide. Matt achieved a record-breaking 1 million video views and 14,000 shares for demonstrating self-defense moves every parent should teach their children. He launched an online petition to make self-defense classes mandatory in all UK secondary schools.   Matt's dedication extends beyond martial arts and dance. In 2012, he worked with injured servicemen and women at the Headley Court rehabilitation center and launched the NOBULL anti-bullying campaign, which received significant support across the UK and internationally. Thank you for listening. This show is brought to you by Dance Business Lab. Dance Business Labs founder Deborah Laws is a multi-passionate dancepreneur, dance business expert and number one best selling author of The Ultimate Dance Business Planner. Deborah's sole purpose is to help facilitate the personal journey and growth of dance business owners like you. Through Dance Business Lab membership and coaching programmes Deborah aims to empower you to learn more, implement new exciting strategies, create goals which Deborah will keep you accountable to and teach you leadership skills that will sky rocket your team and families to truly become your dream school. . To find out more about Dance Business Lab and work with Deborah head to https://dancebusinesslab.com To find out more about working with Deborah through her exclusive Dance Business Lab membership programs follow the links below. Sparks membership - https://dancebusinesslab.com/memberships/sparks Ignite membership - https://dancebusinesslab.com/memberships/ignite Illuminate membership - https://dancebusinesslab.com/memberships/illuminate . This episode of The Ultimate Dance Business Podcast is brought to you by SHOW TIME CIRCUS. . Showtime Circus was founded in 2018 and is a fully inclusive circus school for babies, children and adults.  Showtime aim to provide a safe space for everyone to explore learning and try many skills on their own personal journey. With teachers who are able to tailor their technique to individuals, Showtime welcome any and everyone and have classes to suit children and adults from all different backgrounds. They really are a caring, community, circus family.  . Find out more at ⁠⁠⁠https://www.showtimecircus.co.uk/⁠⁠⁠  . If you love the show and you would like to support then why not buy Deborah a coffee simply head to http://buymeacoffee.com/DeborahL

Watty and Mark finally sit down and discuss neck guards. Insurance for the EIHL, the mandates in the UK Europe and North America.If you love listening to the episodes and watching the videos on our page then please help us grow by buying us a coffee.https://www.buymeacoffee.com/4000andcouuSupport the show

Chris Bischoff is Managing Director at General Catalyst and speaks to Steve Roest, CEO of PocDoc. General Catalyst is the leading investor in early and growth stage healthcare businesses across the UK, US and Europe. Chris has incredible experience across the healthcare sector and takes Steve through his thesis on investing, his investments in Babylon and Livongo, the pros and cons of Value Based Care and what qualities he thinks founders need to thrive in healthcare.

Today's episode is a good one, we've got an exclusively in-depth interview with author Megan Madden, talking about her new book, Mary, Teach Me to Be Your Daughter, published by Ascension Press.We go through her origin story as an author, the reasons she wrote the book, and her favorite chapters, as we take a behind the scenes look at how this project made its way out into the world and, hopefully, into your hands!In America, you can get the book here:You can also find it on Amazon:In the UK & Europe, you can order here:If you're new to the podcast, thanks for listening in. Theology and Reality is a really great website that I founded about a year ago now, and we host tons of Catholic content on theology, spirituality, Scripture, cultural commentary and more. Starting this week, in fact, we're launching some brand new content so if you're interested please consider subscribing not just to the podcast but to the Theology and Reality substack as well, so you don't miss a single thing.We're hoping to continue growing this project, to publish more stuff and to continue expanding our reach, so if you feel called, consider becoming a paid subscriber to Theology and Reality, where you can access even more content than is readily available to everyone.Theology & Reality is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit theologyandreality.substack.com/subscribe

Two insightful interviews this episode following a catch up from Leighton & Eddie. Rob Spurrier joins Eddie and Leighton to talk about his journey with Orbis Golf Academies. Orbis operate Golf Academies, but also provide training and development to PGA Professionals.  Their main aim is to grow club's revenue but also enhance the customer experience.  The reveniue growth is driven by growing membership numbers.  Rob is from the UK, but the company has seen great success in the US.  Attention now turns to the UK & Europe.   Eddie is then joined by Eddie (Reid).  Eddie is the Managing Director of TGI, a retail services group that helps PGA Professionals to succeed in their own businesses.  After telling us a little about his own journey, sgtarting back in Glasgow, Eddie tells us how TGI has become so successful through supporting PGA Pro's for nearly 40 years!   https://orbisgolfacademies.com/ https://tgigolf.com/

Fran Chiorando has been in the sport of OCR since almost the beginning.  Fran talks with Evan about about some of the history of the sport in UK/Europe, what it was like to run the original Tough Guy and where the sport is going.  From Mud is My Makeup back in 2014 all the way to being the host of the OCRWC podcast, Fran has some interesting insight on the sport, the Olympics and where things are going in the future.   Ultra-OCR Man Documentary: https://ultraocrman.gumroad.com/l/ajeuq?layout=profile  Use code Strength20 to save 20% off www.yolked.com Use code UltraOCRman to save on every order form www.mudgear.com Use discount code BRANDAMB164MR31T to save 20% off any race (including WTM) from www.toughmudder.com Music by Dino Sinos

Stephen Wolfram answers questions from his viewers about business, innovation, and managing life as part of an unscripted livestream series, also available on YouTube here: https://wolfr.am/youtube-sw-business-qa Questions include: Is it worth moving to the USA from the UK/Europe to pursue a career in science, mathematics or engineering? What if one wants to change the world? - How long should one wait after college to start some startup in an area of their interest/expertise? - When you are thinking deeply about a problem, do you think "on paper" or on a computer or a tablet or...? Do you find one of them to be better than the others? - Can you tell a couple "stamp-licking" stories from the early days of starting Mathematica/Wolfram Research? - What are your thoughts on crypto and blockchain from a business perspective in general? - What do you think have been some of the most interesting and hard questions you've been asked here and elsewhere? - Can ChatGPT increase productivity? Is outsourcing writing skills beneficial or damaging? - "AI did my homework" is the inverse of "the dog ate my homework." You don't want to be in either situation! - Visual AI can produce amazing inspirations for jewelry and that sort of intricate art. - Do you drink caffeine sources like tea or coffee? How many per day? - What practices do you use to gauge and cultivate meaningful accountability as an individual and as part of a collective? - ​What was your revenue plan and time-to-revenue when starting your company? - We know that you use a hierarchical knowledge organization (files in folders) but did you ever try to use a networked knowledge organization (e.g. Logseq, Roam Research, Mem.ai, etc)? Thoughts on the best way to organize knowledge? - Wolfram documentation is amazing because it's connected (related functions). - I think the knowledge graph thesis is to give people epistemological tools and make it visual. But epistemology isn't something people worry about all the time while writing daily notes. - Have you "driven" a Tesla in Full Self-Driving mode? It's out now for beta testing and it's magical. It's so, so good. Purely a vision + neural net implementation. - Do you enjoy collecting and organizing physical books? Libraries are endless fun!

MWH 397 : Thriving as a Neurodivergent/ADHD Mum Entrepreneur with Dr. Hayley Kelly In this inspiring episode of the podcast, renowned speaker, coach, and entrepreneur, Dr. Hayley Kelly, shares her personal journey as a neurodivergent entrepreneur and provides valuable insights on how to embrace your unique traits as strengths in the business world. LISTEN NOW Listen to this episode to learn: How neurodivergent traits can be leveraged as strengths in entrepreneurship. Discover strategies to overcome imposter syndrome and navigate networking situations with confidence. Understand the unique challenges individuals with ADHD face in social settings and learn how to overcome them. Learn about the struggles individuals with ADHD may have with small talk and the importance of embracing direct communication. Explore effective ways to cope with rejection and stay resilient in the world of digital entrepreneurship. Discover the transformative approach of depersonalizing business and focusing on data to solve problems and avoid taking setbacks personally. Gain insights on how to find balance and fulfillment as a mum and business owner. Learn about the benefits of involving your children in your business journey and how it can create a supportive and inspiring environment. Explore the importance of finding joy and embracing self-acceptance whilst building your business. . About my guest: Dr. Hayley Kelly is a PhD, clinical psychologist and the CEO/Founder of Therapists Rising - a groundbreaking company and global movement that disrupts and innovates the mental health care system. They support therapists in their entrepreneurial journey, equipping them with vital business skills and strategies to create, launch, and scale signature programs and build future-proofed businesses. She is the host of the Therapists Rising Podcast, which regularly appears in the 20 podcasts in the Marketing Category in Australia, Canada, South Africa, and throughout UK/Europe. A mum of two beautiful children (one who is Autistic/ADHD) and she herself, is a neurodivergent. And she is SO proud of what she has built and achieved whilst balancing the demands and joys of being a mum. Listen to this Dr. Hayley's journey of growth, resilience, and empowerment. Remember ladies, you are not alone. Together, we can thrive as neurodivergent/ADHD mum entrepreneurs. Until next week, stay happy in your hustle. CONNECT WITH DR. HAYLEY Website: www.therapistsrising.comInstagram: @dr.hayleykellyYoutube: @Therapist RisingTikTok: @therapists_rising CONNECT WITH ME Web: www.tracyharris.coFacebook: @mumswithhustleInstagram: @mumswithhustleTwitter: @MumsWithHustleMums With Hustle® Podcast Community By Tracy Harris: @mumswithhustle LOVE THE MUMS WITH HUSTLE PODCAST? Okay, mama! I'm going to give it to you straight, 'cause you know that's what I'm about. Podcast reviews are super important to iTunes and the more reviews we receive the more likely iTunes will reward us with better reach. I want to reach more hustling mamas that can add extreme value to our kick-ass tribe. Help a sister, out? I already love you forever, but I'd be extremely grateful if you would review me on iTunes! If you've loved this podcast, never miss another one! All you have to do is SUBSCRIBE to the Mums With Hustle Podcast on iTunes.

If, like me, you long to visit one of the Best Sasquatch Conferences to date where for the first time you will see The enhanced Paul Freeman footage and hear the amazing line up but you live in the UK/Europe or the rest of the world, then I have some very exciting news for you. Thanks to the organisers at Idaho Squatchcon 2023 you can now access the Conference and the Round Table Discussion Live online. There are several different ticket options to suit every pocket, some offering once in a lifetime perks that you can find by visiting the link to the website in the description below. The Freeman footage has been meticulously enhanced by television veteran Doug Hajicek. Now, you can see the famous video of a baby Bigfoot riding on the back of an adult in unprecedented detail. But that's not all! You'll also get to join in on the conversation with the all-star panel of Bigfoot experts. Hear from Dr. Jeffery Meldrum, Cliff Barackman, Brian King-Sharp, and Michael Freeman as they delve into the mysteries of this elusive creature.Find Info and buy tickets here - https://squatchconidaho.com/

Nickel briefly popped through $22,000 (10/lb) and remains in the upper end of $20,000-$22,000 where it has been sitting for the last 6 weeks. LME inventories remain low at 37-38,000 tonnes. Sulphate prices are flat and sitting at a similar discount as last week. In contrast, ore prices and NPI prices ticked higher in China – haven't seen a rebound in stainless prices yet.  May be driven by rumours that China SRB is stockpiling some nickel.The big news of the week:Saudi Arabia is investing $US3.4 billion for a 10% stake in Brazil's Vale base metals business – good to see the Middle East $$ in the sector.Australia going to include nickel in the critical minerals list.Potential for Russian nickel to be subject to sanctions in UK/Europe in the upcoming year – think a lot of people choosing not to use it, but if implemented, a little more challenging given that nearly ½ of Russian nickel used to end up in Europe.Magna Metals PEA on Crean Hill/Denison project picked up earlier in the year from Sibanye – unfortunately share price was off by about 15% (but had popped up 10% in the week before). Metrics on IRR and NPV are both good at $C200 million and 22% IRR with a 15-year mine life mining 1.5-2 Mtpa of ore for a few years with an open pit and then 1.25 Mtpa underground operation with roughly 10ktpa of nickel production.  However, the market reacted negatively for a couple of reasons with capital cost being the primary one:- Total of CAD$129 million including $48 million of “advanced exploration” costs, $24 million in open pit costs, and $57 million in underground capital. Think the market was expecting was going to be open pit restart and then underground so was a little surprised at the total amount.- They had some pretty splashy high-grade intervals but the life of mine grades are 0.6% nickel, 0.6% copper and over 1g/t PGMs so some investors were probably expecting some more grades to pop out.- The third reason was valuation – at $0.75/share has a market cap of $120 million versus the value for the project at $C200 million (and they also have Shakespeare) – which is a pretty healthy P/NAV in the industry sector that is struggling.A good example of challenges with high grade – can be narrower, less continuous = more drilling capital, particularly if has to be done underground.Widgie Nickel had nice step-out results and infill drilling100-metre step out Eastern Limb MEDD069 29.0m @ 1.66% Ni from 79m Incl. 5.0m @ 3.23% Ni from 88m.  Widgie Townsite MEDD061 30.85m @ 1.59% Ni from 435m Incl. 13.43m @ 2.74% Ni from 449.7m And 3.36m @ 3.27% Ni from 471.3m.Our Timmins neighbour had updated resources from their W4 higher grade deposit:Measured + Indicated Resources of 31.3M pounds at 0.98% Ni (2.1x the 2010 historical estimate) and Inferred Resources of 12.1M pounds at 0.98% Ni (3.6x the 2010 historical estimate) – about 40% of that in open pit and balance underground resource.

Hear the extraordinary journey of a leading Trauma Consultant and how he struggled during his early life against all odds. Mr Ansar Mahmood shares life lessons that are applicable to all of us. Key topics covered in this episode:

Yesterday at Nathan's Famous Hot Dog Eating Contest Joey Chestnut won the men's competition with 62 and Miki Sudo won the women's event with 35.5 hot dogs. Paramore will join Taylor Swift on her UK/ Europe dates in 2024. Join McCabe and Jenny for the Afternoon Mix Summer Tour Live taking place July 14th from 4 to 7pm at the Dock At Montrose Beach and this event is free.

In this episode of Deciphered, Adam Davis, Associate Partner at Bain & Company, is joined by Karim Ahmad, Partner, Bain & Company, Kelly Devine, President, UK & Ireland, Mastercard, and Colin O'Flaherty, Head of SME for Barclaycard Payments, to discuss the future of retail transactions.Retail payments is both a rich and growing industry, with Bain & Company estimating the total revenue value at $356 billion dollars, with a projected annual growth of 6% over the next 5 years. But the balance of power between traditional and new entrants in this area of finance is slowly shifting. In this hotly contested market, some 90% of today's revenue pool could migrate to software vendors, major technology firms, and other contenders.How will the retail transaction market evolve over the next 10 years?Timestamps: - (03:14) Consumer to business payments - what is the future of retail transactions?- (05:53) Which providers/industry players have been driving the change in banks' monopoly vs reacting to the change in & how do you see that evolving in the market short term?- (10:07) Which trends interest you from the perspective of your role at Mastercard?- (13:27) Within the SMB segment, how important are virtually integrated platforms, do you see the same proliferation in the UK/Europe as in the US, and where do you see those trends fitting into the SMB context?- (16:45) Card growth and looking towards alternative payment methods for growth.- (22:26) Potential innovations that relate to card volumes and the rise of A to A payments.- (26:09) Embedded payments, the proliferation of wallets and connected devices - (27:51) How do Barclaycard build confidence in supplying payments to organisations where the end users are unknown?- (33:18) Are investments in sales, marketing, and brand increasing to positively impact customer trust?- (39:13) Open banking  Please subscribe to the show so you never miss an episode, and leave us a review if you enjoy the show!You can find Adam Davis hereYou can find Karim Ahmad hereYou can find Kelly Devine hereYou can find Colin O'Flaherty hereFor even more information, check out Bain's latest report – Consumer-to-Business Payments: A Strong Growth Outlook, but Only for the Well-Prepared.For more insights from the Deciphered podcast, visit the page on Bain's website

On episode 201 the hosts are joined by Finlay Watt from Glasgow, Scotland. Finely talks about his work as the monitor/RF technician & crew chief on Liam Gallagher's 2022 world tour, deploying a large outdoor system at an event for the Pope covering 1.5 million people and more. They discuss the differences between touring in the UK/Europe vs. the United States and more.This episode is sponsored by  Allen & Heath, and RCFJoin our Discord Server and our Facebook Group, and Follow us on InstagramPlease check out and support The Roadie Clinic, Their mission is simple. "We exist to empower & heal roadies and their families by providing resources & services tailored to the struggles of the touring lifestyle."The Signal To Noise podcast series on ProSoundWeb is hosted by Live Sound/PSW technical editor Michael Lawrence and pro audio veterans Kyle Chirnside, Chris Leonard, and Sam Boone

Here is the latest show that went live this morning my time (at silly o'clock) for the Saturday evening UK/Europe audience. A slightly more, soulful show to start this time around but building to a rousing danceable finish with some Latin vibes later on. Something for all. Thank you so much to those who tuned in and thanks to those that joined the interactive chat area to make it such a good experience.Keep it Happy - Pete.Playlist here:https://www.mixcloud.com/peterhitch1/nu-directions-120223/

Alex talks with Tim Grant, Galaxy's head of EMEA, about crypto adoption and regulatory developments in UK, Europe, and the Middle East. This episode was recorded on Wednesday, February 8, 2023. ++ Follow us on Twitter, @glxyresearch, and read our research at www.galaxy.com/research/ to learn more! This podcast, and the information contained herein, has been provided to you by Galaxy Digital Holdings LP and its affiliates (“Galaxy Digital”) solely for informational purposes. View the full disclaimer at www.galaxy.com/disclaimer-galaxy-brains-podcast/

This week on the show, we look at the deployment of western main battle tanks to Ukraine, specifically the importance placed on the Leopard II and the contentious diplomacy seen this week to pressure Germany into allowing its export. What kind of capabilities will these new weapons give to Ukraine, amid fears of Russian offensive looming in the spring? We also discuss Germany and the intense pressure Olaf Scholz's government has been under since the invasion of Ukraine started. How has Germany's standing changed over the last twelve months, and what are the challenges facing the country as a long and cold winter sets in for relations with Russia?     Joining Bronwen Maddox from Berlin this week is Jeremy Cliffe, Writer-at-Large for The New Statesman Magazine. Alongside them is Orysia Lutsevych, the Head of our Ukraine Forum, Ed Arnold, a Research Fellow for European Security at the Royal United Services Institute, and Marion Messmer, a Senior Research Fellow in the International Security Programme here at Chatham House. Read our expertise: Scholz will bow to pressure to send tanks to Ukraine What is Labour's foreign policy? UK-Europe relations finally head in the right direction Subscribe to Independent Thinking wherever you get your podcasts. Please listen, rate, review and subscribe. Presented by Bronwen Maddox. Produced by John Pollock. Sound by Abdul Boudiaf and Robin Gardner.

Today's episode is about ALL THINGS MICROBIOME:Research on prenatal healthHow your MOUTH microbiome impacts your entire healthSigns of whether or not your mouth microbiome is healthyHow long it takes to change your microbiome (according to research)What actually impacts your microbiome the most (hint: it's not probiotics)How Craniosacral Therapy and emotional work can heal your microbiomeThis podcast episode today is a recorded conversation with my friend and mentor, Nikki Kenward CST-D. Nikki is an international instructor of Craniosacral Therapy through the Upledger Institute. Nikki is the author of the book, “It's All In Your Gut” and works with babies, children, and adults using Craniosacral Therapy in her clinic in the west side of London.I have had the joy of personally attending one of Nikki's international lectures, and am excited to bring Nikki back on the podcast for her SECOND time for her to share with you some of the top highlights of ALL the research she's done on the gut and particularly the microbiome.If you have questions on how to change your microbiome and heal from the inside out - then this podcast episode is for you. EPISODES MENTIONED:Ep. 4// How to Heal Your Gut from PTSD with Nikki Kenward CST-D LINKS FROM THE SHOW:Connect with Nikki:Facebook: @nikkikenwardtherapyInstagram: @theemotionalgut Youtube: @colontocosmos Website: www.nikkikenward.comCheck out Nikki's resources:UK/Europe link to buy Nikki's book, tummy journal, or poster: www.nikkikenward.storeUSA link to buy Nikki's book USA link to buy Nikki's tummy journal USA link to buy Nikki's poster Find a Craniosacral Therapy or Visceral Manipulation therapist near you using my easy, step-by-step guide!Leave a Rating and Review  - because you love us!  WORK WITH ME:Virtual clients: Join the Foundations Program WaitlistLocal to metro-Detroit? Book a New Client Evaluation at our in-person office FREE RESOURCES:Download my Free Constipation Relief Guide Have a question you want answered on the show? Send me your question to betterbellytherapies.com/askallison, and it may get featured on the show! CONNECT:Facebook → @betterbellytherapiesInstagram → @betterbellytherapiesWebsite → betterbellytherapies.com *This episode was first published at BetterBellyTherapies.com/124

Opinions expressed are those of the speakers as of the date of publication, are subject to change without notice and do not necessarily reflect Mercer's opinions.As 2022 comes to a close, insurance companies are facing significant price losses across their portfolios, particularly within long-duration fixed income. On the horizon are the risks of a global recession, peaking fundamentals, persistent inflation and energy crises, particularly in Europe. We recently surveyed the insurance market globally to find out what their key concerns, challenges and opportunities are within their investment portfolios and how they plan to tackle these. With these findings in mind we have produced what we believe should be the top considerations for insurers in 2023. To discuss the findings and the considerations, Colin Tipping, Global Head of Insurance Solutions is joined by Eryn Bacewich from the US team and William Gibbons from the UK/Europe team. Read the full paper and survey findings here:  https://www.mercer.com/our-thinking/wealth/insurer-investment-considerations.html This content is for institutional investors and information purposes only. It does not contain investment, financial, legal, tax or any other advice and should not be relied upon for this purpose. The materials are not tailored to your particular personal and/or financial position. If you require advice based on your specific circumstances, you should contact a professional adviser.This does not constitute an offer or a solicitation of an offer to buy or sell securities, commodities and/or any other financial instruments or products or constitute a solicitation on behalf of any of the investment managers, their affiliates. For the avoidance of doubt, this is not formal investment advice to allow any party to transact. Additional advice will be required in advance of entering into any contract.Read our full important notices - click here

Melvin Rhodes and I talk about major happenings in the news right now.  Visit his blog at  https://melvinrhodes.wordpress.com/

The Squiz is your shortcut to the news. More details and links to further reading for all of today's news can be found in The Squiz Today email. Click here to get it in your inbox each weekday morning.Other things we do:Squiz Shortcuts - a weekly explainer on big news topicsSquiz Kids - a news podcast for curious kids. Age appropriate news without the nasties!

That's How I Remember It is taking a break from hosting guests this week as we gear up for the final few episodes of Season 1. Instead, we are featuring this "Flash Episode," where I talk about the upcoming tour I'm doing with The Uptown Controllers in UK/Europe and North America. Listen up to hear some thoughts on all the dates, the support, the band, and the origin of the band name. Check out craigfinn.net for all the dates and tickets. We will return with an amazing guest next week as we push towards the end of Season 1 in the next few weeks. Listen and subscribe!

Today Wendy K Laidlaw the fully updated & revised 2nd Edition, the "Endometriosis Naturally Cookbook with 131 Recipes" is finally launched today on Amazon worldwide. After months of passion, dedication, drive and pure LOVE being poured into this book, Wendy is so proud to celebrate the launch, with a hope of further helping women with endometriosis to avoid any overwhelm or confusion about what to eat. Sharing clean, tasty and healthy eating habits and recipes this paperback version of this book will be at 50% RRP on Amazon worldwide, for 24 hours, so make sure to grab your copy (whilst stocks last). Click on these links below to order; UK & Europe https://www.amazon.co.uk/Heal-Endometriosis-Naturally-Cookbook-Recipes/dp/1530979218 USA https://www.amazon.com/Heal-Endometriosis-Naturally-Cookbook-Recipes/dp/1530979218 #endometriosisawareness #endo #theendolifestyle #endometriosisawarenessmonth #endoeducation #endosupport #endofacts #endometriosisnaturally #endometriosisnaturallycookbook #cookbook #adenomyosis #healendometriosisnaturally #wendyklaidlaw #healendometriosisnaturallycookbook #Adenomyosis #EndometriosisNaturallyCookbook #EndoBoss #WendyKLaidlaw #PodcastsOnAmazonMusic @AmazonMusicUK @NateCleary

EP289 - ShipBob Co-Founder Dhruv Saxena  Dhruv Saxena is the co-founder and CEO of ShipBob, Inc. ShipBob is a tech-enabled third-party logistics provider (3PL) that fulfills e-commerce orders for direct-to-consumer brands. We discuss ShipBob's origin story, how the e-commerce fulfillment industry has evolved, as well as the challenges and implications of Amazon and Shopify's various fulfillment initiatives. Episode 289 of the Jason & Scot show was recorded on Friday March 18, 2022. http://jasonandscot.com Join your hosts Jason "Retailgeek" Goldberg, Chief Commerce Strategy Officer at Publicis, and Scot Wingo, CEO of GetSpiffy and Co-Founder of ChannelAdvisor as they discuss the latest news and trends in the world of e-commerce and digital shopper marketing. Transcript Jason: [0:23] Welcome to the Jason and Scot show this is episode 289 being recorded on Friday March 18 20 22 I'm your host Jason retailgeek Goldberg and as usual I'm here with your co-host Scott Wingo. Scot: [0:37] Hey Jason and welcome back Jason Scott show listeners Jason as you know we did a Amazon Fulfillment deep dive a couple weeks ago and that was quite a popular Topic in episode and we've been getting a lot of questions from listeners about what's going on in the world of and we are now living in a world where products used to be if you get it in a week that was amazing and now anything that's longer than 2 days feels like a lifetime so we thought it would be good to bring on one of the top startups in the Fulfillment area the shipbob and we have with us the CEO and co-founder of shipbob dhruv saxena dhruv welcome to the show. Dhruv: [1:20] Thank you so much Scott and Jason for having me excited for our conversation. Jason: [1:24] We are looking forward to it as well I'm getting tons of complaints on the feet already that people were expecting Bob to be on the show today so you'll have to tell us how it became dhruv started shipbob. Dhruv: [1:36] Yeah for sure I'll give you a quick back story on me if that's the opening question and tell you how did we come up with the name shipbob. Jason: [1:46] That would be perfect yes I asked it very awkward we Scott is laughing at me on the back Channel. Dhruv: [1:51] Yeah so. Quick back story on us you know I grew up in Delhi India came to the u.s. in 2007 to pursue engineering my co-founder on shabaab device is also from India we've known each other all our lives. And so we after we both did an engineering in the midwest here I went to Purdue we came back to Chicago and started. I'll booking in a full-time jobs at software programmers and on nights and weekends as most Engineers do. We were trying and experimenting with a bunch of thought of ideas and one of the start-up ideas was in e-commerce. And be Engineers we were able to automate effectively everything in that e-commerce business except the part around shipping and Logistics. And so every time you would have a bunch of folders we would have to run to the post office here in Willis Tower Chicago in the basement, they have a post office and we would have to stand in line and basically ship out those orders out and that became the most manual and painful part of our e-commerce business. And we wanted to find ways of automating that. [2:58] And we would call up a bunch of these existing companies 3pls who helped companies with the shipping and Logistics take all three pills third party Logistics providers. And none of them wanted our business because we were too small for them, and so that got us thinking as to hey how do others small to mid-sized e-commerce businesses figure out their shipping and Logistics we realize that there really isn't a good alternative for businesses like ours who are you know ramping up e-commerce businesses and that caught us into, thinking what should pop can be. And how did the name come about you know so when we started thinking about building a company for helping businesses with their shipping and Logistics needs. We were going for like like people want fast shipping so we should have ship and a fast you know like an animal name or something like a ship park or a ship Cheeto something on those lines so that it conveys. That heylia company which helps you with fast shipping and all of these that domain names were taken, stop after a while godaddy's recommendation engine you know started recommending you no other alternative domain names and one of them was shipbob for 299 or something, and so we say you know we don't have money but this seems like a cool name and so if you just turned shipbob.com for 299 and that's the story of her name and so now we have a good messaging around hey, Bob Means bending over backwards for your shipping or Bob can be a plumber Bob can be you know any use for gyves but as Bob kennels to be a shipment so that's like the marketing angle on shipbob. Scot: [4:24] Very cool so it's interesting because this kind of parallels a lot of a lot of companies in e-commerce they start with people building e-commerce stores and then they're like, this part of it stinks I'm just going to focus on solving this so what is your original e-commerce store do. Dhruv: [4:42] So we started were doing a lot of like printed photographs and so you know this is like 2013 2012, bear Instagram had just been acquired by Facebook for like a billion dollars and so we thought oh wow that's photo-sharing seems to be like a heart, market right now and Instagram is all about digital photo sharing so what if we brought back the Retro way of sharing pictures which is people would print and mail pictures to each other so our e-commerce business was that you would send us a photo. Honor text bot we would print that photo we would frame it we would write a message at the back of the for any personal message you wanted and mail it to your friends and family all across the world. And so that was sort of you know our big idea then like physical photo sharing. Scot: [5:28] Cool car like frame bridge I think does some of that now cool yeah so then you you did you wind that down as you kind of pivot it over to the Fulfillment center. Dhruv: [5:39] Yeah it won't down on its own to be honest because once we started focusing on on shipbob E that business wasn't really taking off with shipbob first was was so we started spending a lot more energy on shipbob. Scot: [5:52] And then so that was 2015 earlier kind of also 2014 yet. Dhruv: [5:58] Now 2014 2015 we got into this incubator called y combinator Scott so. That allowed us to you know quit our full-time jobs because y combinator gives you like a hundred and twenty thousand dollars so that was enough money for us to like put in you know our notices on a full-time jobs and go all in on shipbob. Scot: [6:20] Brickell so you got no Y combinator and then that usually requires you to go out to Silicon Valley for a period of time did you guys do that or are they at some point they introduced remote but I think that was later. Dhruv: [6:32] Much later yeah no that's a good question so. This is another great sort of Peace around you know building startups and Chicago so when we go into YC. We were one of the very few companies you know. Who did not relocate to California so it was it wasn't mandated or Partners there were very comfortable we okay with us traveling back and forth. So every week on Tuesday they have these partner meetings but you go and tell them the progress you've made. And so we would fly every Tuesday morning to our Mountain View California do our pitch and you know and learn and then come back and because, we had to fly and I was you know what a red eye flight Etc it was a lot of effort so we would always try to make sure that we have enough progress that we've made in a given week to make that trip worthwhile otherwise we would go there and we will just come out looking like we didn't really do much and that would be a waste of our time so that pressure of making that trip by productive I think in the early days for stars to work way harder, that may be a lot of other companies simply because you know we were putting a lot of effort and these so and capital in making those trips and but we headquarter the business in Chicago. I'll see you know which turned out to be you know pretty good decision I guess in hindsight. Scot: [7:49] Yeah and then you know what's really interesting and I kind of live this every day so I'm curious how you path you took here as software people you know we love to solve things with software and at some point shipping is not a software problem right you can you can build the world's best shipping but at some point some human has to and maybe a robot but you know some something has to move a package from point A to point B sometimes Point c d and e and then someone has to you have this middle Mile and this last mile when did you guys realize that you're going to have to actually have like fulfillment centers. Dhruv: [8:26] Um right from the prions yeah pretty much. Because you know coming out of the running your own e-commerce business and then also a couple of other startups before then. Like. Be being Engineers yes we were very accustomed to writing a lot of code and then just hoping that users will show up and none of the startups are for shipbob for us worked out, and one of the realizations that would be in the way had is that just because you build it doesn't mean that people will come, and so you would have to spend a lot of your time and energy in making sure that you actually spend you know time on sales marketing and distribution and so when so we were very. Early before even adding code we were talking to our customers and these customers you know who would eventually become users or loyal users. Told us very clearly that we don't really care about great software what we care about is a great product or a great service which helps us in packaging and shipping so that influence the decision-making right. We can't be a pure software company these Merchants are paying us because they need great fulfillment service so having our own fulfillment centers probably requirement for us before we can start scaling. Scot: [9:36] Got it okay cool so you go do y combinator and then women did you like build your first like when did you have your first fulfillment center. Dhruv: [9:48] So right at the you know when you started the company like our office and my apartment became sort of a file template. Fulfillment center very Loosely here so you won't really be able to. Call the Department of proper fulfillment center but you know it did the did the work so there was enough room in our apartment and enough first office. Which is like I think thousand square feet for us to have some room for people to send us their product and we would store their inventory. And then have couple of hours basically pick pack and ship you know those boxes out so my apartment was on the 31st floor so every evening we would get a big. Little trolley and put all the packages and that's all a and then use the freight elevator to bring those packages to the ground level where Michael ejector words you know use the car and we'll take it to the post office. Scot: [10:41] If you're in Jason's building he would have reported you as like a probably a drug dealer some suspicious Behavior going on up on the 31st floor. Dhruv: [10:50] Yeah no. Jason: [10:51] I'm just grateful the city planners that do the zoning didn't hear this story. Dhruv: [10:56] Yeah you know it. Scot: [11:00] It's not illegal if you don't get caught. Dhruv: [11:02] You know we did get in trouble in the early days with the local post office so what would happen is again you know because we had been. We didn't have a lot of successful startups before shipbob Beaver like way paranoid about finding customers. And we none of us came from the sales and marketing background so we tried to run for this position where you can we find customers in the most cheapest and fastest way possible and the obvious answer to us was let's go outside the post office because there's always a line, people don't always seem very happy or to go to a post office and so if he. Can find a few e-commerce merchants in those lines we can pitch them that idea while they are still in the line and convince them to give us their package and not go to the Post Office the second webinar. And so we spend the first three during by see it is like a first three to six months of our shipbob basically standing in lines outside different post offices in Chicago to convince people walking in that shabaab is a better alternative than you going inside the post office. So the post office Forks very nice people thought that we were trying to take business away from them. [12:10] So they were sent they would call up these post office apparently post office has its own police do something so they would send out these post office cops, who would comment she was away and so we would just go from one post office to the other like based on you know which one had last called the cops on us and so, I think some post office might still have a picture of Jessica and the way to make sure that they don't show up again. Scot: [12:33] Hello. Jason: [12:35] Those cops are federal agents by the way they're not messing around. Dhruv: [12:38] Oh man I hope they did especially because we were immigrant Founders so we can't get in trouble with the the federal police. Scot: [12:49] The federal jails and I hear pretty nice though so good they have tennis and stuff. Jason: [12:54] What we're going to have a separate episode about how Scott knows that. Scot: [13:00] Okay cool so you did your wife see then you came back to Chicago and then maybe kind of update us like the bullet points to where we are today. Dhruv: [13:10] Yeah so once we you know got back to Chicago post why see we were fortunate enough to raise a seed round of a million dollars and so that allowed us to, you know take that top pill and hire a couple more engineers and hire a few more sales people and then expand the business so we opened up a warehouse in Chicago. Where we were headquartered and then we quickly expanded to New York as well so we added a location in Brooklyn New York. [13:38] And based on the progress that we had made you know in Chicago and New York and remember let's also limited so it requires Capital because you're opening up these fulfillment centers at the very beginning and you're also writing a lot of software which powers. The inside operations of the Fulfillment center and so we have to raise Capital simply by the nature of the business we are in also fulfillment I'm sure like, all your list has no it's not like a software business it's not an 80% gross margin business we have very tight margins, and so you are you require a lot of captains in this business to scale and so every couple of years we've had to raise Capital simply for us too, add investment dollars into building, either the software which powers are fulfillment centers or to open up our own fulfillment centers and so The quick summary of f Bob is today is that over the last five years or so, we raised you know close to 400 million dollars or so of venture capital, we've added you know be as close to 1,000 employees now a lot of it on the product and Engineering teams and sales and marketing team for us too. Add many emotions to our network but also write a lot of great stuff in which power is the back end of almost we know back-end systems of all of the e-commerce businesses using a platform. And the business strategically also has you know evolved where we don't now need to. [15:02] Operate our own fulfillment centers because we have four of our own social incentives each one in Chicago New York Texas and California so we kind of know how to run fulfillment centers we now partner with existing. 3pl Zone fulfillment centers who have empty capacity we bring in our software our know how our physical infrastructure into those locations, we bring them up to the shipbob standard and then we are able to Route our Merchants into those locations and so the business now requires a lot less capital in scaling the infrastructure side of things but not all of that Capital goes towards you know basically growing out the product capabilities and adding new Merchants into our Network. And we have fulfillment centers in the u.s. in Canada in UK Europe in Australia. And we of course added a lot of capabilities on a network all the parts on this wall so truly today now shipbob is a global. Omni-channel fulfillment solution for a Merchants where we can we are probably you know on power if you were starting an e-commerce business and you wanted to compete very effectively with Amazon and Walmart supply chain we are a great alternative. Scot: [16:13] Pickle the way I explain it let me see if this pencils for you so if someone asked me how this you know how this kind of what I would call your one of these next-generation fulfillment companies my pitch is you had these 3pls but they were really designed for you're kind of almost like a real estate thing where you go in and say Hey I want a corner of this fulfillment center and I'm going to lease it and do X Y & Z and then Amazon's Innovation was FBA where it was you know what much more aligned with the the e-commerce model of yes I want you to hold my goods but they're going to turn over quickly and I want to pay more of a per transaction kind of a thing, and I also want a lot of flexibility about how fast I can get products to Consumers so 3pls were in this kind of old world where they weren't really built that way so then part of what you guys did as you built your own fulfillment centers with this new model and then you can kind of take that model and put it into Old 3pls bring them up to kind of like the FBA level of above standard is that a fair summary of how you explain shipbob to other folks. Dhruv: [17:20] Yes that is very real articulated Scott I might actually use that going forward and and the only piece I would add to it is, of course you hit on the fast piece of it which is very relevant for a merchant, the second big element of wine Merchants choose us and our network is our ability to customize the unboxing experience which is unique for that particular brand so you know when you order something on Amazon it shows up in Amazon branded box for a merchant they want that unboxing experience to represent their brands you know. Ethos and the brand value so whether that's a custom box you know whether it could be eco-friendly material it could be custom gift notes accustomed shipping labels Etc the ability to customize that you know that. Transaction is very relevant for them it's almost on par alongside speed and and so that's the piece the second element of. Of customization I guess that should Bob's been able to unlock that I think FB it doesn't offer. Jason: [18:18] Got it and just to sort of clarify for listeners like so the goal then is it feels like it got shipped by the vendor right so it has whatever packaging the the manufacturer would want to use and a bill of lading that has their logo and those things on it as opposed to I ordered something from cuts and then I got an invoice from shipbob or something like that. Dhruv: [18:41] Yep exactly right we want to be. In the background you know where the Shopper is building a direct relationship with the brand and and the Shopper is agnostic to whether shipbob ships or whether the brand shifted. Jason: [18:58] Yep so and just to kind of frame this like back in that time frame the the idea of B2 C3 PLS was not common today it's a it's a pretty crowded Market space there's a lot of a lot of options but they're back then is got kind of pointed out like there was a thing called 3pls but they were more of like a B2B service really right. Dhruv: [19:22] That's right yep and so, the reason why even we were able to even build a business here is because majority of the 3pls out there were focused on the palette and Palette outside our transaction because most of their customers, but the bands who was selling predominantly in retail stores like Macy's no storm or Target Etc and so the concept of this High Velocity two to three units per order was very foreign to them, and all of the infrastructure was designed to store large number of palettes worth says having inventory in each has or in single units stored in bins and shelves. And so far from that perspective, the reason you know if you are doing pallets and pallid out like getting into e-commerce and then getting working with small and mid-sized e-commerce businesses where you don't make a lot of money for customer Justin. Pencil for these for these B2 B3 Tails because they were used to having. A small number of very large customers and then designing their entire operation inside the building's only for that few number of merchants because they would be able to make a you know the entire earnings ones from that limited set of merchants, word says it shipbob you know we we have a whole large number of merchants none of our Merchants you know are these are all birds or these massive Brands but these are growing emerging bands and. [20:50] Productized what is very much like been away service-oriented business. Jason: [20:55] Yep and so the profile of the typical shipbob customer is a start-up that's intending to sell direct to Consumer mostly through their own website is that a fair characterization. Dhruv: [21:08] That's how we got started his and so you know today that is definitely evolved as a capabilities have grown as well so, I would say like if you have to break down the merchants that we serve are so, on one end of the spectrum we have these Merchants you know they could be ought to pronounce what just getting started and they're doing anywhere from you know less than a hundred thousand dollars of annual revenue on the website all the way up to maybe a million dollars or so. So that's one and then we have Merchants who are from 1 to 15 million dollars of gmv, and they are predominantly selling on their own website but they're also selling on marketplaces like Amazon eBay Walmart. And then we have a mid-market segment of merchant these are relatively established Brands they are doing anywhere from 10 to 150 million dollars of gmv across all the different channels that they're selling on, and for them you know they are in e-commerce which is direct-to-consumer they're also in marketplaces but they're also in retailgeek, and so they and they also are thought getting to be Global and so for them, they use shipbob because under one umbrella they are they get not only great technology but the Fulfillment solution is able to carry it across all the different channels that they're selling on, and it allows them to manage inventory Under One Roof so in the. I guess the value proposition over the last six years for shipbob has definitely evolved as a capabilities have grown I've grown. Jason: [22:33] Makes total sense and I'm assuming so in my day job one of the the new categories of business that I see you like getting into direct fulfillment more are traditional products that used to exclusively sell through wholesale and in some cases these could be quite large companies that are used to sending pallets to Target and Walmart and now they're starting to sell some of their own goods from their own website and just like those those startups from 2014 they've got to figure out how to do the each's Fulfillment and I think they turn to folks like you as well now. Dhruv: [23:06] Yeah absolutely and so you know that's the exciting piece of direct-to-consumer is that. The technology and the infrastructure needed for you to start your own e-commerce business and be able to reach your consumers is has massively evolved so these traditional. You know Brands who are predominant retail now they are able to participate in e-commerce in the pretty meaningful way as well and they have access to Great infrastructure and. I think you know the. They've also realized that the infrastructure that they need it for their retail shipping doesn't look anywhere close to what they need for the direct to Consumer so on the record consumer side maybe you choose Chopper 5 for your front end platform. Are you choose to do a lot of your advertising and marketing on through Facebook Instagram Snapchat social media is the predominant digital marketing channel effectively. And then you choose shipbob for your fulfillment and and running your supply chain and maybe use a form or you know or care enough for your buy now pay later like those credit financing options and so this technology stack that you need to run your direct-to-consumer e-commerce business you know now exists, and is completely different from what you might have used for running a full wholesale retail operation. Jason: [24:27] Yep and I do want to just double-click on one other thing before we turn to two marketplaces and the Frenemy situation there but the so a couple of your advantages why you develop this software to make the Fulfillment center much more efficient than traditional ones were and obviously efficiency is a huge differentiator and in the Fulfillment you you enable all this customization and personalization which is a better match for The Branding that all of these clients want to do one of the other things that I think of is. 3pls from that era that was sort of problematic and that kind of Amazon disrupted is like they used to make you manage your own inventory so if they had to. Fulfillment centers you as the merchant had to decide how much good you are sending to the West Coast and how much good you are sending to the east coast and and you sort of had to do all those things and. Amazon through their fulfillment by Amazon kind of took that that that Inventory management burden away from some of their their merchants and sort of did all that for them and did the load balancing and all those sorts of things so do you do that like you now it sounds like you've got four of your own fulfillment centers and a bunch of virtual fulfillment Centers do you do all of that sort of AI based inventory allocation for your customers as well. Dhruv: [25:56] Yep absolutely so and that's sort of I guess we can break that inventory allocation into two parts so one is choosing where in the network, to send your products from your manufacturer. [26:08] And so that's based on you know we provide all of that information upfront to a merchant base where you know based on historical purchase data that we captured from all the different sales channels that you connect into Shabbat we can be have a model that, Delta to fairly well as to how much inventory to store in which parts of the network, and so that's and so you can but we don't necessarily mandate that because for these brands you know they want to be one them to have the ability to make those decisions for themselves we provide them with all of the information and if they choose to they can have shipbob distribute that inventory for themselves for them or they can do it directly from the manufacturer my following our data you know that we give out to them so that's on the first half of like sending like the right amount of inventory to the right location so that's a little bit of a optionality for these bands. And then the second part of it where we do a lot of the work ourselves is once we start getting these orders into our platform once you buy something from our, from a branch choosing which fulfillment center that particular order gets routed to and what shipping carrier is used for that particular transaction that is something that we that we definitely do you know in the house and so that is a pretty important element of it because as a brand you might off be offering two day shipping on your checkout page. [27:32] But you actually don't want you know to be using Ups 2 day or FedEx overnight to do that today transaction because that will be very expensive, and sociable because we've captured a lot of far, carriers performance data over time we have a pretty built out model which tells us hey if we even if you use this local Regional carrier for this particular order we have a very high likelihood it will get delivered in 2 days or less and we don't have to pay for a UPS guarantee today service and so we are able to bring down the cost of two days significantly down at this almost the same price point as a USB as ground shipping which is a total which is the cheapest form of shipping simply by placing inventory in better you know better placement of inventory and a fulfillment centers but also choosing where which fulfillment center ships that particular order and what shipping carrier we use for the transaction, for that was a little long answer but I think that is sort of the secret, Elemental why brands of any size are able to offer a two-day next a sort of a shipping experience on the checkout page. Scot: [28:37] Yeah if that's helpful at when I've talked to some people about this kind of stuff they're always like how hard could this be like this comes up in the Shopify so a lot of Shopify Wall Street folks you know they'll say well why is this so hard and you know one of my favorite things about e-commerce is going to tour warehouses because once you get inside of warehoused you realize that this pretty complicated and the way I explain it is once you've committed to a. [29:09] Yo an asset like a warehouse and all the people in everything then it becomes an optimization problem in optimizing warehouses is pretty complicated right so let's let's take you guys have X number of customers in a fulfillment center let's just keep it one of the ones you own and operate to make it even simpler and you know there's a there's a bazillion questions like how do you if you take customer 1 through 100 do you intermix there things how do you do the packaging you talked about how do you how tall are the shelves do you use conveyor belts do you do two floors or one floor and your fulfillment center so what's fun about that is an engineer there's a lot of fun problems to solve their and it's a lot, you know your explanation of the shipping is interesting because that's like yet another one so a lot of people feel like this is too easy is really easy and then they kind of run up against the the the hardness of it and they kind of have to step back and redo it do you have a point of view of. You know what Shopify kind of did it seem like they tried to do a software-only kind of a solution and it kind of didn't work and now they're trying to get more involved in it and you have a point of view on that. Dhruv: [30:18] Yeah for sure but you framed it really well Scott which is. Once you you know once you go inside the Fulfillment center the number of problems of that that you can potentially solve or almost endless, and the reason it's important to attack these optimization problems is fundamentally you know fulfillment is not a software only problem. And it doesn't come with 80% gross margins and so it's in your best interest to optimize once you get to certain scale because every cent and dollar you share from those operating costs is a dollar that flows to your bottom line alternatively is a dollar that you can then reduce you know your cause to your brand which then allows them to reduce their fulfillment costs and that way allows them to offer free shipping which then drives, you know more sales on the website which then drives you no more orders into your platform which allows you to get to scale faster. And so optimization is you know is key for you to be operating at the lowest cost possible because there are advantages of doing so. And so there are a lot of different ways to get to Optimum to try to optimize but if you don't own and operate your fulfillment centers at least the onset you simply don't know what problems to solve, and so at shipbob you know what I believe worked really well in our favor is because we operated our own fulfillment centers we saw firsthand. [31:45] What are the consequences of the choices that we are making. And that involves you know the physical infrastructure do we mix products of different merchants in the same aisle where in the, we're in the Fulfillment Centers do we place the fast-moving skus do we take the loaf slowest moving skills and put them at the back of the Fulfillment centers away from the rest of the merchants inventory or do we place them high up in the, under racking system how do we think about Labor planning is Mondays. [32:15] 20% higher than Friday so do we need to staff up in the morning shift Etc and they are all and material handling and and Idol walking is such a big. Cost of the Fulfillment centers operations how do we try to minimize that and at what scale there are hundreds of these optimization decisions that we've had to make over the last seven years, which then have been productized in our software in our warehouse management system which then now is being deployed across these Partners sites, and so I think if we were to to you know jump ahead and just do our partners sites that we don't own and operate we don't own or operate on a day-to-day basis we would have missed out on all of these optimization decisions that we made over the last seven years which then allows us to operate, at a much lower operating costs than any of the competition so I think Shopify I don't know, you know the products are actually there but I think they might have tried to short-circuit their way into running virtual fulfillment centers to early without having learned the lessons of our without having experienced the lessons of running your own building which I think they might be course-correcting now. Scot: [33:25] Yeah it gives you the ability to go to a 3pl and say hey here's your you know 3pls are kind of V1 and you guys are like V10 so you can go in there and say take this section do it this way here's how you know here's the barcode reader you need to use yours there's like all this stuff that has to come together seamlessly with the software to kind of execute and you guys have figured all that out and you can just kind of plop it right into the 3pl I imagined. Dhruv: [33:50] That's right yeah exactly out pitch to these existing 3pls is that you have this unused capacity. This is like a warehouse in a box that we are providing you and if you follow you know the product or the our operating protocol then you will be able to make X dollars and order or Y dollars a square foot, Which is higher than what you are achieving now and by the way you don't have to spend any money on sales and marketing and servicing because shabab you know these are shipbob merchants and so you should be able to make. You know. You should be able to generate a return on that on that space in a relatively short amount of time which makes it a pretty interesting proposition for these existing 3pls who want to participate in e-commerce but they necessarily don't have the infrastructure. All the capital to do so as yet. Scot: [34:44] Interesting cool so give us an idea of your scale so I saw on crunch basis it says you've raised over 300 million so congrats on that the I've been raising capital in this kind of more asset heavy World in it's not not easy so so kudos to you for being able to fund us at the scale you have maybe like how many packages a day are you guys processing or anything you can tell us around scale would be kind of interesting. Dhruv: [35:10] For sure I won't be able to get to the. Exact are approximate taxes but here he is maybe a good proxy you know we have close to. 30 or so fulfillment centers in our Network today we are adding one fulfillment center a month that's the relative scale and majority of the reason why we're adding these fulfillment centers that are rapid clip. Is because we are you know reaching. Pasty in these fulfillment centers fairly quickly and the amount of space that we take inside of a fulfillment center is anywhere from. 30 to 40,000 square feet on the lower end as much as 90 200,000 square feet on the higher end so that's the sort of every sight every node in the network represents at least you know maybe call it average 50,000 square feet and we have close to 30 of them. Scot: [36:04] Furcal and then it wouldn't be a Jason and Scot show if we didn't at least throw you an Amazon question. So so it's easy to kind of you know again for someone to kind of look at this and say hey you're competing with FBA and I I get that you know. Amazon's talked about doing you know a you know just non-market play Style Style fulfillment. And then but then and then they've also talked about yeah you can use your own packaging and but you know my understanding is they're not really doing that at scale do you do you guys feel like you compete against them or do you see them the other thing that also blows people's minds a lot of time is software and sinners like you guys operate frequently will ship stuff using Amazon's API so that it can be prime eligible which is also kind of a so-so the 3pl the shipping partner can be Merchant fulfilled Prime which thus means their products are prime eligible so maybe talk a little bit about how you feel about Amazon. Dhruv: [37:03] Yeah for sure and yes you're right so we do ship inventory sometimes into Amazon Fulfillment centers as well for, for the fpaa. [37:15] And some of our some of our Merchants do also you know use the what you call the seller fulfilled Prime option but more on your question on the do we compete with FPA I think it is servicing a slightly. Different segments of the market and so if you talk to most of our brands, you know they were they won't really say that we trust Amazon with all of our data. And so for these brands that we serve as passing that customer information or who their buyers are, to Amazon seems like a big business dress because Amazon competes with them, you know on the Amazon to the Amazon Basics line or you know placing the product slightly differently on the the listing speed and sector so they want to build a supply chain, and demand you know sort of website which allows them to control their own destiny without having to rely on. On Amazon which could potentially be problematic for them down the road. And so in that context they want to stay away from Amazon as much as possible of course they also do sometimes have Amazon listings because Amazon is such a great. Aggregator of demand that maybe it has a lower cost of acquisition than having to do it yourself on your website but you don't want to rely on Amazon for. [38:40] Majority of your sales and so in you know under that, through contacts then we don't necessarily compete with Amazon FBA because for these Brands using FPA is not even an option and so and two because then we are there under this ethos of like if I have. Slightly Superior brand and my brand is represented through all aspects of my branding website supply chain I can I can be a better business, then you know shipbob stability to provide us a plethora of customization options, is a real value sell because and I know our ability to match you know this two-day Prime life experience. I think it's a real value add and the third aspect of it if I may add is as these Brands grow larger being able to have inventory globally is. Something which I don't think is possible with FB and fourth is if you're also getting into retail, you know doing being able to ship Ballads of inventory to these retail distribution centers again is not an option with fpso if a brand is thinking about their supply chain as a whole I think shipbob FB is probably not a solution. Jason: [39:51] Yeah so that really makes sense I'm kind of curious how this is going to continue to evolve I mean it seems like there's some risk that some of these big retailers like or marketplaces like Amazon and Walmart might eventually start selling their fulfillment as as a third party service that could potentially compete in the 3pl area and I think the the FedEx is and UPS is of the world are leaning more into it as well is. Is the future going to be kind of all of these different Services kind of colliding and meaning in the middle or how do you see the future of this industry playing out. Dhruv: [40:26] Yeah that's a hard question to answer, because yes you know e-commerce is growing so quickly that there are so many Greenfield opportunities for different companies. To play a part in so but I think each one probably you know like this industry benefits from scale. And so and of course this is a hard business because you're dealing with physical products and physical inventory and physical assets. And so I don't know if the industry would sort of all of us will start doing each other's work simply because it's by doing our core businesses by itself pretty hard and getting to scale in our Core Business is very relevant so. [41:07] I think UPS and FedEx might I think might have dabbled an e-commerce fulfillment but I think majority of the business still very much remains around transportation and and same for shipbob I think majority of our business is around fulfillment we are looking at ways of adding value to a merchant Base by taking parts of the transportation and seeing if we have enough density on certain routes, that can be that can allow us to reduce the overall fulfillment calls for a Merchants but again I think there's so much you know there's so much to be done in this space that if you. Lose focus you can lose the advantage that you have right now so you know I and and businesses are able to grow, simply by focusing in the core business area so for us at least you know it's mostly fulfillment and maybe pieces of Transportation sprinkled in. Jason: [41:58] Well that seems like a toy reasonable perspective and it certainly is going to be fun to watch but I think that's going to be where we have to leave it today because as per usual we have used up all of our allotted time as always if this is episode was helpful to you we sure would appreciate that five-star review but we really appreciate your time today and sharing a little bit more about shipbob with us. Dhruv: [42:21] Now thank you so much Jason and Scott for having me this was a good conversation. Scot: [42:25] Dexter even if folks want to follow you online do you pontificate or should they just follow the shipbob socials. Dhruv: [42:32] The shipbob Socialist would be a great great dad. Scot: [42:35] I know I would advocate for you doing more would love to read anything you write about the industry as it's been a good discussion and you know at least Jason I would read it so we can guarantee that. Dhruv: [42:47] It's great to read as I got I got it. Scot: [42:49] Boom and Jason's mom she always follows Oliver stuff stuff. Dhruv: [42:54] I can convince my mom as well. Jason: [42:59] The audience is growing by the minute well thanks very much everyone and until next time happy commercing.  

Hake rants about black parents, schools, women, UK/Europe "hate speech" and pro-LGBT mess. A few interesting calls!  The Hake Report, Wednesday, January 26, 2022 AD: Catch Hake on TJump YouTube channel today 4pm PT (6CT/7ET). // Evil schools and black parents like John Legend brainwashing kids for "racism" and LGBT mess! // Murders in DC happen over petty insults! // Dumbing down the SATs and colleges for POC's // Anti-family outlet TheSkimm wants "paid family leave." // Be more like Europe! LGBT anti-Christian "hate speech" laws. Finnish MP prosecuted for quoting the Bible! // Pope Francis: don't condemn children with "different sexual orientations." // A FEW INTERESTING CALLS: black crime, boss taking tips, King Drop!, BLM, Trump the "vaxx promoter" — see below! //  MUSIC: Human Television - "I Laughed" - Look at Who You're Talking To (2006, Gigantic Records) // MK2 - "Cold Step" - YouTube Audio Library (Chris selection) //  CALLERS Rich from Victorville, CA says a black Mesquite, TX gym security guard was beaten to death!  AJ from NY feels cheated out of tips by his boss, but he'd agreed to it! He asks for advice.  Erick from Selma, AL, AKA King Drop in chat, loves Hake's debates even with the Transgender.  Rick from Maine says BLM stands for Black Liberation Movement, per Mark Levin.  Justin from Fullerton, CA says Trump promoted the "failed" vaxx. Should we support him?  Also check out Hake News from today.  TIME STAMPS 0:00:00 Wed, Jan 26, 2022 0:01:56 Hey, guys! 0:04:09 Hake on TJump 4pm PT 0:07:43 Evil schools, black parents 0:24:19 RICH: BLM NO GOOD 0:34:10 Murder in DC over petty insults 0:36:07 AJ, NY: BOSS STEALING TIPS? 0:43:53 Supers: Grammar, Chauvin statue 0:49:15 Dumbing down the SATs, colleges 0:59:45 "I Laughed" - Human Television 1:01:46 Reading chat 1:03:17 Female-minded vulture women 1:11:02 Be more like Europe! Abortion, LGBT 1:17:56 Gay cakes, trans cakes, UK, USA! 1:27:12 ERICK AKA KING DROP 1:31:13 Suspect Pope Francis: sexual orientations 1:37:57 RICK: BLM, MARK LEVIN 1:46:04 JUSTIN: TRUMP VAXX PROMOTER 1:56:41 Supers: DeSantis, Trump 1:59:34 "Cold Step" - MK2 HAKE LINKS VIDEO ARCHIVE: YouTube | Facebook | Twitter | COMING: Odysee  AUDIO PODCAST: Apple | Spotify | Podcast Addict | Castbox | TuneIn | Stitcher | Google | iHeart | Amazon | PodBean  LIVE VIDEO: Odysee | Facebook | Twitter | DLive | YouTube* | Twitch* | NOT Trovo*  SUPER CHAT: Streamlabs | Odysee | SUPPORT: SubscribeStar | Patreon | Teespring  Call in! 888-775-3773, live Monday through Friday 9 AM - 11 AM PT (Los Angeles) https://thehakereport.com/show  Also see Hake News from JLP's show today.  *NOTE: YouTube, Twitch, and Trovo have all censored James's content on their platforms over fake "Community Guidelines" violations. (Trovo permanently blocked The Hake Report.)  BLOG POST: https://www.thehakereport.com/blog/2022/1/26/012622-wed-evil-john-legend-lgbt-europe-hake-rants