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BLEACH Set To Return After Almost A Decade With Adaptation of THOUSAND YEAR BLOOD WAR Arc
Netflix Developing SCOTT PILGRIM Anime Adaptation
MY HERO ACADEMIA Season 6 Trailer Teases The Coming War
Funimation And Crunchyroll Steaming ATTACK ON TITAN NO REGRETS And Other OVA Episodes This Month
Studio Ponoc Reveals New Anime With THE IMAGINARY Trailer
Pokémon And Converse Are Teaming Up So You Can Look Like The Very Best
Naruto Set To Jump Into Action On Fortnite Next Week
YUYU HAKUSHO Live-Action Netflix Series Gets A 2023 Release Date
DEVIL MAY CRY Anime Is Set To Span Multiple Seasons And Will Star Dante And Vergil
The COWBOY BEBOP Original Japanese Cast Will Dub The Live-Action Series
Bleach is making its grand return after 9 long years without the beloved anime series. the anime series will be returning with an adaptation of the Thousand-Year Blood War arc, which is the final arc in the manga. Along with the announcement, fans were treated with a trailer and a release date window.
Since its sudden and unexpected hiatus in 2012 that left fans yearning for more after 366 amazing episodes during the shonen anime rivalry between Bleach, One Piece, and Naruto. We never got an official statement regarding the sudden hiatus from Studio Pierrot four long years before creator Tite Kubo completed the manga series.
Luckily, last year we got word that the series was headed back during its 20th anniversary with the announcement that the final season was in the works. Now, we get this brought to reality one step further with a trailer showcasing the final arc that will conclude the hit anime series. We also get to see the grand return of the beloved characters and revamped animation that was featured at the Jump Festa. In the trailer, we see some callbacks to past scenes along with teases of the upcoming arc that includes characters such as Ichigo Kurosaki, Orihime Inoue, Sado Yasutora, Rukia Kuchiki, Kisuke Urahara, and all the captains of the Gotei 13.
The Thousand-Year Blood War focuses on the Shinigami of Soul Society and the Wandenreich, a group of Quincy led by Yhwach who come head to head after a declaration of war is made in an ominous manner:
"Five days from now, the Soul Society will be annihilated by the Wandenreich."
With Ichigo and the Shinigami's final battle about to begin, the history that has been kept secret for generations will be unveiled.
The Thousand-Year Blood War is made up of 200 chapters in the manga, which gives creators plenty of material to give fans one lengthy final season. Bleach is set to return for its final arc in October 2022. Check out the trailer below:
Source: VIZ/YouTube
In this article:Anime, Bleach, Bleach Thousand Year Blood War, Entertainment, Entertainment news, Jump Festa, News, Read, Studio Pierrot, Tite Kubo, tv, tv series, Write
SPIDER-MAN NO WAY HOME Exceeds Box Office Estimates and Kevin Feige Confirms Talks For More Spidey Films
47 Ronin Sequel Gets Official Title and Reveals Remaining Cast
Timothy Olyphant Set to Reprise Raylan Givens Role in JUSTIFIED CITY PRIMEVAL
RED NOTICE To Shoot Back-to-Back Sequels For Netflix With Original Stars Returning
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Three Rivers Dental is a full-service provider offering the latest in dental services and technology. Our level of training and expertise allows us to offer procedures ranging from preventative care to cosmetic treatments to dental implants. Our staff consistently participates in continuing education, and our Dr. Evon Heaser is an active member of several professional associations and dental study clubs.


A call to Adam Essex at Princess Brokerage International confirms that the sale of the 29m motor yacht Rosso has now been completed in an in-house deal.
This Princess 95 was built for an experienced owner by Princess Yachts in 2011 to a very high standard. She features powerful twin MTU 2,433hp engines, zero-speed stabilisers, a hydraulic swim platform and accommodates eight guests and five crew.


Congratulations on making such a grand display of solidarity on the line this week. We have been noticed by the employer, the downtown core, and we are hearing from people across the country that the we are lighting up social media!
We have already received thousands of dollars in donations from our sister unions, which is enormously helpful in covering the benefits expenses and other strike expenses. The CAUT members know that our fight is the same as theirs, wherever they are. And our students have been fantastic in their support and encouragement.
Many thanks to all of you who have been bringing in soups and other treats. It has been greatly appreciated by all the cold picketers coming in for their breaks. We will need more soup for Friday, when we have more pickets and visitors. FUNSCAD will provide the extras to make a good spread.
To wrap up the first full week of job action, we have planned a big rally at Granville Mall at noon. If you are on the afternoon picket shifts and can come a bit early, that would be great. There will be lunch for picketers after the rally in the HQ. We will be joined by 10 flying pickets from as far away as BC, and also by members from other NS Universities. We need a big turnout, so if you aren't scheduled for picket duty tomorrow, please do join us. We will be making our creativity visible! Memories will be made! Don't miss this event — if we show our strength, maybe we won't need to do it again next week.


Soaring Event on June 6th & 7th!
Not sure if there are any openings left, as I received this last week when I was away, but I thought it worth forwarding.
"I just found out about a Soaring Event on June 6th & 7th here's your chance to take a 20 minute – free ride in a glider. Freedom's Wings International is a non-profit organization, which provides the opportunity for persons with physical disabilities to fly in specially adapted sailplanes. The event will be hosted by the Philadelphia Glider Council at their airport in Hilltown, PA located approximately 40 miles North of Philadelphia. Interested participants should call the toll free number to reserve a time slot for a 20-minute ride. There are only a limited number of flights available so call now if you want to experience the thrill of soaring.
Those interested should check out our website at http://www.freedomswings.org especially the Member Experiences tab.
There are only a few slots left on Sunday the 7th so if you'd like participate call the Richard Fucci, President of Freedom's Wings International (800) 382-1197 & leave a message he will get back to you in the evening."
I just signed up for this on Saturday, June 5th at 5PM. There is a cookout that afternoon. So I plan on driving down and arriving early afternoon.
Attached is what they sent me. They have one more slot open as of this morning.
Thank you Susan and welcome back!
Susan, thanks for posting this information!
I called last night and I was very lucky to get the last spot. I am flying on Sunday the 7th at 1PM. Can't wait!
What an incredible experience it was. It was an absolutely perfect day for flying! It is so peaceful up there, without the sounds of an engine. All you hear is the wush of the wind. It is truly floating on air.
Thanks so much to Freedom's Wings and the Philadelphia Glider Club for the opportunity to enjoy a beautiful day up in the sky. They are both amazing groups!
Here are a couple of pics of me in my glider.
Wow Chrissy!! Thanks so much for sharing your pics with us! Very Cool!


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GREEN BAY - On Tuesday, Green Bay Packers coach Matt LaFleur will begin the transition to a regular-season practice format, meaning the starters and key backups will begin to prepare for the Sept. 13 season opener against the Minnesota Vikings.
Wanting to give those fighting for a spot on the 53-man roster an extended opportunity to prove themselves, LaFleur has scheduled a practice inside Lambeau Field on Sunday that will incorporate some game-day-like elements that have been missing because of a COVID-19-affected training camp.
The players, for one, will be wearing their game-day uniforms. And the practice will start at noon, same time as the Vikings game.
"Our coaches are going to be up in the press box, we're going to have our headsets on," LaFleur said Saturday. "We're going to have the tablets, the NFL's coming in here to help us just with your typical game-day procedures. We'll have some officials – that'll be the first time we've had officials here (this camp).
"So, I'm really excited to see how these guys respond to that situation."
For the veterans, it is just a tune-up, a refresher course in game-day operations.
But for those young players trying to make the roster, it will be a practice full of unscripted play calls that will give them minimal time to process their assignment, get into the right position and communicate with those around them.
LaFleur called it a scrimmage, but he didn't say whether there would be any segments that included live tackling. Several times this camp, LaFleur has ended practice with about 10 plays of full contact, limiting participation to non-starters and younger players.
The practice comes six days before the Packers have to trim their roster to 53, so it will be the most extensive opportunity for a bubble player to secure a roster spot. The rest of the week many of those same players will be competing on the scout team, running the Vikings' schemes so the starters can prepare for the opener.
As big an opportunity as it is, some players aren't making too much out of it. They are trying to build off what they've shown the past two weeks on the practice field.
"You can't view it that way or you will put that pressure on yourself," receiver Reggie Begelton said of making it his personal Super Bowl. "Go out there; it's football. At the end of the day, it's football. You're here to play football. Just go have fun.
"I want to wake up in the morning and be like 'You know what? It's a good day to play football.' I'm going to go out there and give it my best."
For LaFleur and general manager Brian Gutekunst it's a chance to see how players react when plays are being called from the sideline, adjustments are being made and officials are watching their every move.
"It'll be nice to see these guys in more of a game-like situation to see how they respond," LaFleur said. "Certainly, they're still competing – and not only for roster spots, but for playing time.
"So, I think this is going to be a big part of our evaluation process to see how some of these guys that you've never heard of, to see how they respond."
Packers talk coalition with Bucks, Brewers
On Thursday night, hours after canceling his team's practice that day, LaFleur said he was on the phone with Milwaukee Bucks general manager Jon Horst, discussing how the two teams could push for necessary social justice changes.
The call was only the beginning of what LaFleur hopes will be a coalition of Wisconsin's three professional sports franchises to push initiatives for social justice reform. LaFleur said he hopes to also arrange calls with Bucks coach Mike Budenholzer and president Peter Feigen, as well as key members of the Milwaukee Brewers.
LaFleur's phone call with Horst came four days after he saw video of Kenosha man Jacob Blake being shot seven times in the back from point-blank range by police officer Rusten Sheskey. The Bucks and Brewers postponed a postseason and regular-season games, respectively, on Wednesday.
"We'd love to come together," LaFleur said, "and partner with the professional sports teams in Wisconsin to help create some positive impact in society."
RELATED: Billy Turner weighs in on anthem protests, skipping games
RELATED: Mark Murphy, Packers officials meet with players on social issues
SILVERSTEIN: How NFL players could join in to raise awareness
Meanwhile, the Packers continue to have internal dialogue addressing racial inequality and police brutality against minorities.
Center Corey Linsley said the team had a phone call with Wisconsin Public Defender Kelli Thompson.
"Just to get educated on all the matters we're trying to cover," Linsley said. "It's made an impact on me. I know that it's made an impact on guys in the locker room, and I hope that we can carry this impact that we've felt and move other people to really empathize and hear out guys, players that they see on Sunday, that they watch on Sunday, that they have a ton of respect for and believe in and cheer for and to just get people to empathize, listen to them, open their minds and hearts and really come to some sort of conclusion, come to some sort of outcome where we can have an impact on society, and have an impact of the greater good."
Gutekunst spoke Saturday for the first time since Thursday's practice was canceled, replaced by a team meeting. Gutekunst, along with team president/CEO Mark Murphy and executive vice president/director of football operations Russ Ball, was praised by players for their receptiveness in the meeting.
Gutekunst said he has not had any conversations with either Horst or Brewers general manager David Stearns, but stressed that the Packers as an organization have been in touch. As for his role, Gutekunst said he will continue to ensure Packers players have a platform to address social justice matters.
"I think the very first thing is not silencing them," Gutekunst said. "I think certainly in my lifetime, I've seen probably where that's happened, and I think just having some empathy that there's guys that will go through a lot of experiences that we may not and to try to understand that and then help create opportunities not only for education, but then how they can put things into action. I think everybody's hurting right now, and everybody wants to do something. I think the organization can help create those opportunities."
With the Canadian Football League cancelling its season and allowing players to opt out of their contracts so they can attempt to play in the NFL, Gutekunst said there will be a pool of players he and his personnel staff will want to explore.
The Packers have two former CFL players in camp – Begelton and cornerback DaShaun Amos – so, they've scouted the league well. There's a good chance they'll start bringing in players for tryouts soon.
CAMP INSIDER: AJ Dillion gets an earful from Matt LaFleur
RELATED: Packers showing patience with former CFL star Reggie Begelton
RELATED: Packers corner Josh Jackson relying more on feet, finesse
Most of them will be veterans who could transition to the NFL fairly easily.
"I think across the league a lot of those guys will start to populate emergency boards, ready lists, things like that," Gutekunst said. "I think you'll probably see on the transaction wires as we move forward, a lot of those guys getting worked out and looked at. You certainly will from us, and those guys certainly could factor in."
Testing their tempo
Among the many litmus tests the Packers will get out of the scrimmage Sunday, Linsley said it will give the offense a good chance to test its tempo.
The Packers' offense had entered camp wanting to building an up-tempo pace into its scheme in LaFleur's second season. Without preseason competitions, the opportunities to do so have been few. Most of the Packers' team reps are scripted, meaning players know which plays will be run in succession.
Regardless, Linsley said it has been a major point of emphasis.
"We're constantly harping on that," Linsley said, "and we're constantly trying to get faster and faster and play faster and think faster. I think after tomorrow, we're going to have a great picture of exactly where we're at, exactly what kind of steps are needed to improve and get to the point where we want to be in terms of tempo in this offense, and again the sense of urgency."
LaFleur has said the tempo of his offense remains a work in progress. He said the Packers were "a bit sluggish" in and out of the huddle inside the Don Hutson Center on Thursday, when the team was in full pads.
"That will be a point of emphasis over the next couple of days," LaFleur said.

redpajama_set_name: RedPajamaCommonCrawl


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Łuszczka (łac. lodiculae) – u gatunków z rodziny wiechlinowatych drobny delikatny listek wewnętrznego okółka okwiatu. W okresie kwitnienia łuszczki pęcznieją rozchylając plewki i ułatwiając wydostanie się na zewnątrz pręcików. Większość gatunków posiada dwie łuszczki w kwiecie, wyjątkowo występuje jedna (mietlica) lub trzy (ostnica, bambus, ryż). Łuszczek nie mają gatunki, których plewki podczas kwitnienia nie rozchylają się (np. wyczyniec, tomka).

Według najpopularniejszej teorii łuszczki są przekształconymi dwoma listkami wewnętrznego okółka listków okwiatu w typowym kwiecie jednoliściennych. Trzeci, tylny listek uległ redukcji. Inna teoria wyprowadza obecny kwiat traw od kwiatu bezokwiatowego. Według tej teorii dwie łuszczki to podzielony liść przykwiatowy, ewentualna trzecia łuszczka to kolejny liść przykwiatowy.

Bibliografia

Morfologia roślin

redpajama_set_name: RedPajamaWikipedia


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A world ablaze, captured by AP photographers in 2021
https://apnews.com/article/2021-top-photos-associated-press-d0b894e16a0f7759745c7888331c314b
"Some say the world will end in fire," wrote the poet Robert Frost -- and for much of 2021, Associated Press photographers captured scenes of a world ablaze, amid rumblings of ruin.
In New Delhi, a man sprints amid the funeral pyres of COVID-19 victims -- too many fires, too much heat, too many victims. On a beach near the village of Limni, Greece, the horizon is lit by the flames of wildfires raging across the eastern Mediterranean.
And at La Palma in the Canary Islands, the inferno is in the Cumbre Vieja volcano. But more than 10,000 million cubic meters of ash turn the world into a negative, with black ash taking the place of white snow.
Not all of the combustion is so literal.
There is fury: the astonishing moment when police aimed their guns at rioters trying to break into the House Chamber at the U.S. Capitol; Mexican demonstrators against gender violence, hurling themselves at barricades; an Ethiopian woman's wrath as she fights for every split pea in starving, war-torn Tigray.
Full Coverage: Photography
And there are the sorrowful embers of violence. Stoic Palestinians carry the body of a child who died in an Israeli airstrike in Gaza, while a continent away, mourners bear the body of a man killed while protesting the coup in Myanmar. And in Haiti, the wife of slain President Jovenel Moise, Martine, leaves a memorial gathering in black widow's weeds and mask.
There was more to 2021, of course. There was fun: Lady Gaga wore one of the world's largest dresses to Joe Biden's inauguration.
There were moments of hope. Even as millions more died of COVID-19, billions were vaccinated. Health care worker Nazir Ahmed ventured to remote Kashmiri meadows to inoculate shepherds, some of them vaccine resistant. He stands in his protective gear on a hillock, like an emissary from COVID times who somehow found himself in a South Asian remake of "The Sound of Music."
There are other images that recall the movies, but askew.
Those men on horseback in 10-gallon hats are not the cowboys of classic Westerns; they're border agents, corralling Haitian migrants as they try to cross the Rio Grande into the United States.
And the man and woman caught in a passionate embrace in Barcelona, Spain, are not characters in a romantic comedy; behind them, a riot rages over the imprisonment of a rapper convicted of insulting the Spanish monarchy. And the streets are on fire.


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Teachers and students don't need out-of-school suspensions
by Sarah Reed on May 4, 2018 in Policy, Teachers & Leaders • 1 Comment
Students of color and students with disabilities continue to be suspended at significantly higher rates than their peers. The U.S. Department of Education's Office of Civil Rights recently reported the astonishing data, confirming similar findings from the U.S. Government Accountability Office this past March.
Sadly, Colorado is no exception, particularly as it relates to its youngest learners. And that's precisely why we need an alternative to House Bill 1210, which failed in the Senate committee last year. But we can't afford to wait; we can start making a difference for students now.
I and many other teachers in Colorado face challenges with discipline issues in our own classrooms every day. Not long ago, I taught Aaron, a five-year-old kindergartener who loved big hugs and told me I was the best teacher ever. At various points in the school year, he also threw a scissors at another teacher's face, knocked me over with a large box, bit another student on the head, and ran off school property at recess.
Aaron's life had little consistency and a lot of trauma. Because of his extreme behavior, Aaron was suspended multiple times during the school year. I referred him through our school's MTSS (Multi-Tiered System of Supports), a prevention-based system of interventions to help students struggling behaviorally and academically. Despite meticulous data and documentation, the MTSS team told me they could not help Aaron because they had older students who were struggling even more. Eventually, the school placed Aaron in a self-contained special education classroom for students with severe aggression, even though he had not been qualified for special education services.
Suspending Aaron did not help address any of his behavior challenges but, at 5 years old, it did send him the message that he was neither wanted nor valued in school. My other students learned that children like Aaron should be "kicked out" of the general education classroom, rather than learning how to work with and accept students with exceptional needs.
While the Colorado legislature considers its next move, there are actions we can take on the local level that address the different aspects of the issue.
Ensure quality preschool and early childhood programs.
Despite spending a year in preschool, Aaron came to kindergarten with no documentation about his behavioral challenges, though conversations with staff at his preschool indicated he struggled similarly then. A growing body of evidence demonstrates that students who attend a quality preschool program, especially those in poverty, show long-lasting positive effects on achievement, grade retention, special education, high school graduation, and socialization. The National Association for the Education of Young Children (NAEYC) has attempted to define and describe "high quality," and Colorado should model its programs on NAEYC's recommendations.
Increase special education and mental health support.
Aaron was not able to receive support from our special education and mental health specialists because their caseloads were already at capacity. Our school had one special education teacher, one reading specialist and two paraprofessionals for all grades K-5. Our counselor and school psychologist served grades K-8. With caseloads that large, how can schools meet the needs of every student? The lack of support personnel means schools are resorting to discipline practices such as suspensions and expulsion because they are unable to offer students any other alternative.
Provide teacher training.
Aaron was put through the MTSS process because I had received training and support in how the process worked. Preliminary results from a Teach Plus survey of Colorado teachers indicate that although teachers are aware of the MTSS process in their buildings, they don't feel supported in its implementation. Early grade teachers are the very first advocates for students and families. If teachers aren't supported in consistent intervention and identification processes, both students and families suffer.
As teachers, families, school districts, and lawmakers, we need to realize students are not misbehaving in class because they want to. There are underlying reasons for the behavior we need to identify and address; and suspensions and expulsions do not help us do so. Legislation like Colorado's HB 1210 can help ensure school districts provide the resources teachers need to support students like Aaron and protect students' rights to remain in the classroom. As Colorado continues to review early childhood best practices, we need to consider students like Aaron and the implications legislation like HB 1210 could have in protecting their rights.
Sarah Reed teaches English language development (ELD) and multicultural studies at Fountain Middle School and Welte Education Center in Fountain, Colorado. She is a Teach Plus Colorado Teaching Policy Fellow.
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By Rob Ryles. Discovered by Player FM and our community — copyright is owned by the publisher, not Player FM, and audio streamed directly from their servers.
Welcome to The Leader Manager Coach Podcast, where we take a deep dive examining knowledge, philosophies, wisdom and insight to help you lead, manage and coach in football, sport and life. Leader Manager Coach is presented by Rob Ryles. Rob is a UEFA qualified coach with a League Managers Association qualification and a science and medicine background. He has worked in the football industry in Europe, USA and Africa; at International, Premiership, League, Non League and grass roots levels with both World Cup and European Championship experience.
56 episodes available. A new episode about every 7 days averaging 29 mins duration .
Start listening to Leader Manager Coach Podcast on your phone right now with Player FM's free mobile app, the best podcasting experience on both iPhone and Android. Your subcriptions will sync with your account on this website too. Podcast smart and easy with the app that refuses to compromise.


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Q: how to store value of queries in string i have to store value of the column CityName and StateAbbr in two strings in following query how can i do this using only one query
var GetLocation= (
      from results in db1.ZipCodes1
      where results.ZIPCode==zipcode
      select new { results.CityName, results.StateAbbr }
).First();

A: Sounds like you want
 string CityName = GetLocation.CityName;
 string  StateAbbr = GetLocation.StateAbbr;

redpajama_set_name: RedPajamaStackExchange


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Shane and Jocelyn Sams, who were teachers before. Shane listened to my podcast, and he was like, check out this guy Pat, and his wife was like, No, that sounds kind of scammy to me. But then they decided to give creating digital products a try, so Jocelyn created a website called Elementary Librarian where she was selling packages and worksheets to librarians to help them and that site is doing really well. And Shane is a football coach, so he created coachxo.com to sell defensive plays to coaches. Both of those are doing well over six figures a month now, and they're doing it through pdf files, worksheets and tools that their audience can use to help them in a more convenient way.
Partial disability coverage is similar to residual disability coverage. Both types of coverage pay benefits if you're able to perform some of the duties of your occupation. However, loss of income is not considered in partial disability. You're instead paid an amount equal to 50 percent (or sometimes less) of the benefit that you would earn if you were totally disabled. Importantly, the benefit period is much shorter, usually only 6 to 12 months.
Obviously, if you're starting from scratch and you haven't written your book quite yet, you should think about subjects that are of interest to you. If you write about topics that you lack a passion for, you're embedding your own boredom into your poorly-prostituted words, and no-one's gonna go for that; regardless of how punchy you make your title.
Residual income is when you continue to get paid after the work is done. This includes royalties from books, movies, or songs and also income that comes from real estate or business investments where you don't actually have to be present to earn it. For example, Bill Gates is still making a residual income from Microsoft even though he isn't working there anymore.
Another variation of this model is to pay for advertising and then earn affiliate commissions from people who click on the ads. Years ago, when advertising on Google and Facebook was cheap, lots of people made a lot of money this way. Nowadays, it's still possible, but it's much more difficult, and you have to be much more sophisticated. Nevertheless, I thought I would mention it, because it's still a viable approach, especially in certain niches.
stREITwise offers a hybrid investment between traditional REIT fund investing and the new crowdfunding. The fund is like a real estate investment trust in that it holds a collection of properties but more like crowdfunding in its management. The fund has paid a 10% annualized return since inception and is a great way to diversify your real estate exposure.
Needless to say, you have to find a way to differentiate yourself from everyone else, but if you can, the income can be relatively passive. Chances are, you'll still have to deal with some questions and complaints from customers about other people's products, which I'm guessing can be quite a headache, but you don't have to deal with manufacturing, warehousing, shipping, or any of the other headaches of creating the product yourself.
Here, you set up an online store, but instead of selling your own products, you sell products from other companies, you submit the order to them, and then they deliver the product to the customer. It's called "drop shipping," and it's more common than most people realize. You've probably purchased items delivered via drop shipping and didn't even know it.
Bryan said, "People who have become very wealthy through business have gotten very good at leveraging their time in their pursuit of creating value. They've done that by first creating value, and then automating the process of creating value, so they can scale and provide even more value to more and more people. But it starts with the fact that they already understand how to create value. They understand it so well, that they're able to create that value and then automate and scale the process of creating more of it.
Some of these lists are available via the official Product Advertising API, but many of them are not. Being able to use any of the features listed above (and some more) to find and review a product that precisely matches the focus of your particular niche site, seems like a surefire way to build an interesting review site and to grow your following. That's why it seems natural, that a true curation plugin should work on an item-by-item basis.
I've run over two dozen blogs since 2004. I've successfully monetized new blogs across a variety of niches including writing, music, education, small business, marketing, PR, and technology. I still run several of those blogs (like AFW, NakedPR.com, and AudioXposure.com). Others I've monetized only to then flip them for a profit. Either way, I've found it's fairly easy to bring a variety of blogs to three or even four figure monthly incomes in a pretty short period of time -- no more than a couple of months (which is faster than writing the same amount for most 3rd party residual income sites).
I still don't consider it an area of expertise. When I started Smart Passive Income, that was the month I launched my ebook for the architecture site. I didn't consider myself an expert. It was just something no one had taught me about. People were talking about online business but not about how to automate the process, so I just wanted to create a platform to give it all away. I still don't know everything about it, but through trial and error, I've learned about the process and recorded it.
The paperback's formatting could also be improved. I basically just messed around in LibreOffice on Mac to get formatting to work, but I wish I would've started with a tool like Jutoh, which is fantastic for formatting and publishing. My workflow was Google Drive exports to LibreOffice, and Google Drive just wasn't good for editing once you cross 40–50 pages. In the future I'd like to format a better sized paperback.
Similarly, you can also become a sponsor for a company. This is a lot more difficult to do. If you have a popular blog/website, then you can directly contact companies that sell products relevant to your niche. You can set up a sponsorship deal, where you promote their products on your website. In return, you receive either a flat-fee or a commission-based fee like with affiliate marketing.
For example, if you were a trusted private wealth advisor or stockbroker, then I'd even argue this is the best way to earn passive income from your knowledge, since it's recurring revenue and suits your target market, who want constantly up-to-date information. PS I admit this is becoming a lot less passive given the ongoing report writing you would be doing.


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The Illumine Initiative
About E-Waste
Types of E-WASTE
Trends & Impact
Born in Rome to a Palestinian-Jordanian father and Turkish mother, Mira spent most of her early years in Jordan before moving to Montreal in order to pursue her studies at McGill University from where she obtained a Bachelor of Commerce with a Major in Marketing. She is fully fluent in English, Arabic, Turkish, and French.
Mira spent the first half of her career life within the corporate world, working with some of the most renowned companies in luxury fashion and property development in Canada, Turkey, and Jordan. Prior to the age of 30, Mira moved to London in order to amalgamate her entrepreneurial and creative sides to launch her namesake jewelry brand M I R A.
After successfully running the brand for five years, she decided to shut down the brand in order to commit her learned experiences and passion to develop a social enterprise that may help preserve the environment while empowering global citizens to consume and live more responsibly.
She currently lives between London, Istanbul and Amman, and spends her free time practicing yoga, playing tennis, and taking long walks by the Bosphorus.
© The Illumine Initiative.


CF and Cpanel... dns on CF or Hoster?
most of the time Public email like gmail and hotmail work so I can send email from my domain to public, but I got bounce email back to other server.
and here the dns zone in my cpanel.
I received this email… bounce back when I try to send and email from agencemaki.com, If I send it via gmail then it's work.
something wrong… Do I need to use CF dns or my Cpanel dns Zone… I can reach my website no problem… the only issu is email… Please help me.
MX should never point to an IP address, only to a hostname. Try changing in Cloudflare DNS the value of the MX record from 54.39.152.27 to 'mail.agencemaki.com'.
it's there a way to make the A pointing to a web provider and point the MX to another mail services provider at the same time ? since mail.agencemaki.com is related to the A agencemaki.com ??
Yes, you can leave the A record pointing to your host and just change the MX record to point to the host specified by your mail service.


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VICE PRESIDENT YEMI OSINBAJO: A PASTOR ONLY BY NAME.
Vice President Yemi Osinbajo
No matter how hard he tries to make it look as if it is no big deal and no matter how much he ignores it and tries to brush it under the carpet, the 5.8 billion naira scandal in which the House of Representatives have indicted Vice President Yemi Osinbajo for theft, larceny, diversion, misapplication and misappropiation will not go away.
No matter how much he tries to wash himself with his self-righteous soap and brush, the filthy stench of corruption and abuse of office will never leave him.
No matter how many open markets he visits in a blaze of publicity and in a desperate attempt to prove that he is a man of the people, the bloated flies that customarily trail filth, garbage, open sewers and rejected goods will continue to follow him and raise fundamental questions about his infantile claim to holiness, infallibility and sainthood.
Prophet T.B Joshua of the Synagogue Church of all Nations
Some have erroneously argued that Osinbajo could not have stolen the 5.8 billion or indulged in any form of wrongdoing because he is a Pastor.
They also claim that the grievous, unproven and outrageous allegations that he has made against President Goodluck Jonathan, President Olusegun Obasanjo, the late President Umaru Yar'adua and indeed every single PDP-controlled Federal Government that was in power over the 16 years before our nation was afflicted with the Buhari plague and APC contagion three years ago must also be true, again because he is a Pastor.
On both counts this is not only an intellectually lazy cotention but it is also pure hogwash. I say this because Osinbajo is far from being what many think he is. His conduct over the last three years has proved that conclusively.
Bishop David Oyedepo of Winners Chapel
As far as I am concerned he is a Pastor only in name. In my view he is not a Pastor but an eager accomplice, common sidekick and ever-ready man-Friday to the most hated, despised, compromised, dishonest, brutal, divisive, incompetent, cruel and evil dictator that Nigeria has ever known.
I say this because no real Pastor would do what he has done over the last three years and neither would any tolerate or participate in the evil that his boss and their government have unleashed on the Nigerian peole since they came to power.
Pastors see evil for what it is and fight it openly. Failing that they at least shun and condemn it. They certainly do not espouse it, enjoy it, wallow in it, encourage it, support it and thrive in its commission.
Pastor E.A. Adeboye of The Redeemed Christian Church of God
They do not point fingers at the innocent and accuse them falsely and neither do they eulogise or deify the corrupt. They are not deceitful cowards who have sold their souls to the devil for cheap political gain, filthy lucre and a morsel at the tyrant's table.
The truth is that it irritates me to no end when some refer to Vice President Yemi Osinbajo as a Pastor. It is like referring to Judas Iscariot as a disciple of Jesus Christ or Rasputin as the Pope.
The Bible says "thou shall know them by their fruits". It says "the devil presents itself as an angel of light". It speaks of "wolves in sheep's clothing". It talks about "shepherds that feed on the carcasses of their own flock".
Pastor David Ibiyiomie of Salvation Ministries
Osinbajo is a fake Pastor in the same way that Judas was a fake disciple and Rasputin was a fake priest. Like Judas and Rasputin he was secretly planted amongst the disciples and in the Church by satan.
When you speak of Pastors you are referring to holy and selfless men who lift up, inspire and encourage others, who are filled with compassion and love, who are called to ministry by the Living God and who are deeply courageous and strong.
These are tried and tested men and women who are filled with the power of the Holy Spirit and the light of God. These are men and women that are driven by the quest for righteousness, justice and equity and who have no fear of tyrants, bullies or the agents of the devil.
Dr. Paul Enenche of Dunammis International
These are men and women who despise evil, wickedness and injustice and who support and assist the suffering, the deprived, the weak, the vulnerable, the wounded, the afflicted, the persecuted and the poor.
These are men and women that speak truth to power and that give wicked rulers and heartless men of wealth and power sleepless nights.
These are men and women that have successfully passed through the furnace of affliction, who have mastered their calling, who are clean-spirited, who are committed to spreading the gospel of our Lord Jesus Christ fearlessly and who do not steal, kill, lie, bear false witness, falsely accuse, compromise with evil or seek to destroy their fellow human beings.
Pastor Paul Adefarasin of House on the Rock
When we talk about Pastors we are talking about a rare and special breed of people who are committed to humanity, self-discipline and the work of God and who have chosen to answer the highest and most noble calling.
We are talking about men and women llik the late Bishop Ajayi Crowther, the late Archbishop Benson Idahosa, the late Apostle Ayo Babalola, the late Rev. Timothy Obadare, Bishop David Oyedepo, Prophet T.B. Joshua, Pastor Paul Adefarasin, Pastor David Ibiyeomie, Dr. Paul Enenche, Bishop David Abioye, Bishop Mike Okonkwo, Pastor Enoch Adeboye, Apostle Samson Suleiman, Dr. B.O. Ezekiel, Pastor Ayo Oritsejafor, Rev. Samson Ayokunle, Dr. Daniel Olukoya, Bishop Matthew Hassan Kukah, Archbishop Jasper Akinola, Bishop Emmanuel Gbonigi, Archbishop Nicholas Duncan-Williams, Prophet Emmanuel Kobe, Pastor Rhoda Awiliki, Pastor Solomon Kayode Anjorin, Pastor Bayo Oladeji, Dr. Israel Akonji, Pastor Emmanuel Omata and so many others.
When we are talking about Pastors we are not talking about hopelessly compromised and morally challenged charlatans and crooked politicians like Osinbanjo who consistently attempt to defend the indefensible, who thrive on perfidy and falsehood, who tell one hundred lies a day, who indulge in the most outrageous and brazen acts of corruption, who persecute the innocent, who collude with evil and bloodthirsty men, who encourage the perpetuation and commission of barbarity and wickedness, who turn a blind eye when lives are being destroyed, who refuse to raise their voices when innocent blood is being shed, who speak from both sides of their mouths and who encourage mass murder, genocide and ethnic cleansing.
5 thoughts on "VICE PRESIDENT YEMI OSINBAJO: A PASTOR ONLY BY NAME."
Your campaign of calumny has been debunked by the reps themselves. So, I wonder why you're hell-bent on cooking up an imaginary allegation if not an outcome of the Dubai meeting against the person of the VP. Your plans shall fail!
Tunde Adeyemo
If God were to be a man, will he not be indicted? Prof Yemi Osinbajo, indicted by which house? Representatives? At what period? A case of a black kettle calling white kettle black.
What is the identity of this writer? He who hides his corrupt tendencies to speak against another's. Jesus told the plebeians of His days that " he that is without sin, let him cast the first stone".
People like this writer should not Play God in a matter like this. We've not been told that he stole the money. "Because the Vice President headed so and so, he has a case to answer ". And an assertion like this has made him a fake Pastor?
When does a call to give clarifications on issues turns one into ridicule as expressed by this fallacious write up.
Jesus, our saviour was wrongly accused. PMB also. If the writer has grudging against the person of the Vice President, he should state IT AND AVOID SINNING AGAINST THE HOLY GHOST
I can see how foolish you are by comparing our Lord Jesus christ to Buahri
Chimamanda chinonyerem Chiemerie
Hard core truth,by most out spoken,the most fearless person with Godly wisdom,the seven star general,God protect you and family,still heat them up with more hardcore.
Please ,Nigerians let us not condemn a man if we do not have sufficient evidence to substantiate our accusations.Let EFCC and other security agencies do their work objectively and give us the true picture of things.


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Bitcoin sportsbooks
Betting with cryptocurrency
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75% of Acquiring Banks Use AI to Detect Card Fraud
Acquiring banks are under intense pressure to process transactions efficiently while detecting and preventing fraud attempts. That's a growing challenge due to recent increases in both payments volume and fraud attacks. To manage these trends, many acquirers are using artificial intelligence (AI).
A new report, AI In Focus, a PYMNTS and Brighterion collaboration based on a survey of 104 executives at acquiring banks, found that 37% of acquirers say payments volume increased in 2021, and 93% of acquirers say their ratio of fraudulent transactions as a share of total transactions increased in the last 12 months.
Get the report: Waging Digital Warfare Against Payments Fraud
Acquirers have already widely adopted AI and related technologies to help them safely manage their businesses. In fact, 75% of acquirers use AI to detect card transaction fraud. Some evidence suggests AI can improve payment volume as well. Acquirers that use AI are 2.6 times more likely than those who do not to say their payment volumes have increased in the last 12 months.
These organizations view AI as an important tool to fight fraud and improve revenues. That's key because 88% of the acquirers that use AI say reducing fraudulent transactions is a "very" or "extremely" important factor for maintaining profitability in the next year, and 53% say reducing the number of fraudulent or unprofitable merchants on their platform is an important factor for the same reason.
Acquirers are also aware that making the right investments in technology, including AI investments to bolster fraud detection, can be a differentiating factor to merchant clients in a competitive market. A large share of acquirers that use AI systems, 83%, say acquiring new merchants is a "very" or "extremely" important factor for maintaining profitability in the next year.
AI Solutions Aim to Eliminate Manual Work
To take on the challenges of accounts payable (AP) invoice automation and the insurance submission intake, Kanverse has deployed a product that uses several technologies: artificial intelligence (AI), machine learning (ML), optical character recognition (OCR) and natural language processing (NLP).
"It's actually a hyper-automation platform," Kanverse CEO and Founder Karan Yaramada told PYMNTS. "AP invoice automation is only one use case for the platform."
Compared to conventional systems, this hyper-automation platform reduces both the time to implement and the total cost of operations. While making changes to a conventional system requires bringing in an IT team or even the vendor, the Kanverse platform can change by learning on the job.
"In our case, users can turn on the learning mode and do the steps that they would do, and then the system will learn automatically," Yaramada said. "So, you can pretty much avoid going to the IT team, bringing in a vendor, making the change, testing it and going through the whole nine yards."
Eliminating Manual Work and Errors
This is particularly useful in insurance, a regulated industry that relies on complex paperwork. Using OCR alone simply takes the paper and converts it into a digital form, which is only about 20% of the solution.
A platform that also uses AI and ML, on the other hand, does much more. "Using AI and ML, you can teach the system, 'okay, if the user checks this box, make sure these other 10 things are done,'" Yaramada explained.
Catching incorrect data before it goes downstream can save the expense of processing it later. Yaramada noted that it also frees up the people who are now processing this data to instead do things like analyze the business, sell or improve processes and efficiencies. It will also enable companies to reduce costs and eliminate paper.
Making 90% of the Process Touchless
Yaramada said the company is confident that the platform can make 90% of the process touchless. In the remaining 10%, where there may be anomalies or extreme cases, people can still get involved.
"Whether it's AP invoice automation or the insurance industry submission process, there's a lot of tribal knowledge that makes people critical in these processes," Yaramada said. "I think it is unnecessary. People don't have to be critical in the process; let the process run by itself."
Although the product is still in its early stages, the company has already received "great feedback" from customers. Yaramada reported that an AP invoice automation customer said tasks that used to take days to process now take seconds, and that an insurance industry customer said the platform is going to differentiate them from their competitors because they can move fast now.
"They can deploy all these people that are doing these jobs to do the productive tasks and the more exciting, value-added kind of work," Yaramada said.
How A Digital-First World Has Changed AML/KYC
The economy's digital shift started long before the global health crisis, but the past 20 months have definitely accelerated digital-first trends in eCommerce and banking. Leading financial institutions (FIs) now recognize that to engage digitally-savvy consumers, they need to provide convenient, streamlined and interactive banking experiences — already strong suits for emerging digital-only banks and FinTechs.
PYMNTS research has found that half of consumers increased their use of online or mobile banking between July 2020 and July 2021, with young adults and affluent consumers showing the most significant gains. More than 20% of consumers who use a digital banking app "significantly" increased their usage between July 2020 and July 2021. Digital banking app adoption rates saw significant gains at national and digital banks as well: consumers increased their use of mobile payment apps by 31%, and digital wallets by 28%.
Consumers also have come to expect greater access to more complex digital banking services, such as opening a new account or the ability to be approved for a mortgage or loan. However, banks often struggle to deliver these services sufficiently online or via banking apps due to the high risk of cybercrime. Banks are required to verify customers' identities based on anti-money laundering (AML)/know your customer (KYC) regulations, procedures that are not always easy to complete online as data breaches can provide fraudsters with access to customer information.
This month's Deep Dive examines the challenges FIs face in meeting AML/KYC regulatory requirements as digital banking becomes more popular. It also looks at how advanced technologies such as biometrics, artificial intelligence (AI) and machine learning (ML) are helping banks adapt to the changing market while remaining AML/KYC compliant and keeping their customers safe from online threats.
Why FIs Need to Adopt AML/KYC for the Digital-First Market
Digital-first banking — an umbrella term that encompasses traditional banks, digital-only banks and FinTechs — continues to make inroads across the globe, providing consumers with efficient and secure access to online banking services. While laying the groundwork for fully digital banking offerings to emerge, regulators in various countries also have allowed traditional banks to tap into new innovations that enable them to move to digital-first banking.
Open banking, for instance, enables data sharing across networks and third-party transactions. It also provides new opportunities for non-banks to compete, offering consumers access to a wider variety of personalized services. Meanwhile, cloud hosting helps banks scale their infrastructure and access next-generation systems. It also enables FIs to comply with local data hosting and protection regulations.
As with traditional banking, AML/KYC compliance remains paramount, and electronic know your customer (eKYC) technologies can help. This technology, along with eSignatures for remote customer validation, enables digital onboarding that works with data analytics to check customers' identities and mitigate AML.
One option banks are turning to when opening new accounts is digital identity verification using facial comparison technology. This option allows banks to comply with AML/KYC regulations and stop bad actors from using stolen identities for new accounts. New customers can use their smartphone cameras to capture their government-issued ID and to take a selfie. The documents then are verified using advanced computer vision and biometric facial comparison technologies.
Banks also are adopting advanced technologies, such as behavioral biometrics, to mitigate identity theft and account takeover (ATO) fraud. Fraud teams can continually monitor user behavior during a mobile banking session, pinpointing anomalies in finger pressure or navigation and swipe patterns, and then trigger additional authentication requirements if the user does not seem legitimate.
FIs also utilize real-time behavioral analytics to monitor banking transactions for fraudulent activity, relying on data recognition of consumer behaviors to recognize changes, rather than aggregated consumer data. Powered by AI and ML, the latest adaptive behavioral analytics technologies provide real-time insights into customer trends and fraud detection. These cutting-edge tools enable FIs to better understand customer behavior, detect anomalies, identify suspicious activity and prevent fraud before it happens.
The Benefits of Adopting AI and ML Technologies for AML Compliance
Historically, FIs have invested a great deal of time, money and effort to comply with AML/KYC regulations — regulatory compliance costs U.S. banks $25 billion a year. With banks struggling to adapt to consumers' growing digital habits, compliance caseloads are rising, and AI and ML technologies can be a viable solution. Increased interest in AI and ML can be attributed to the soaring rise of digital transactions for goods and services brought on by the pandemic, along with skyrocketing online fraud and identity theft. The health crisis has burdened AML compliance teams with new security demands that existing technologies and processes cannot address.
Such anti-fraud tools have relied on deterministic systems and have trouble understanding changes in online behavior, resulting in more false positives and less productivity. AI and ML are viable alternatives because they are dynamic by nature and can both adapt to changing behaviors and respond better to emerging risks. Some AI and ML solutions even integrate into existing compliance infrastructures.
According to a recent survey of FI decision-makers on the impact of the pandemic on their AI and ML adoption plans, AI and ML for AML compliance has seen significant adoption among mid-market and tier II institutions. According to the study, 15% of participants reported they are piloting AI solutions, 21% said they had implemented an AI solution, and another 21% said they have plans to do so in the next 12 to 18 months. Still, 27% of FIs said they have no current implementation plans.
Recognition of the benefits of AI and ML for AML compliance is driving adoption, along with support from regulatory bodies, as 66% of survey respondents said their regulator was supportive of AI/ML adoption. Regulators in the U.S., United Kingdom and Singapore are among those encouraging, but not enforcing, technical innovation for AML compliance.
These findings indicate that traditional FIs have access to cutting-edge tools that can help them attract and retain digitally-savvy banking customers while also remaining AML/KYC compliant. They can move to a digital-first banking environment and continue to mitigate identity theft and online fraud while providing consumers with an engaging and secure digital banking experience.
Why Banks Embrace AI Platforms-as-a-Service
Sudhir Jha, senior vice president and head of Mastercard's Brighterion unit, told Karen Webster in the most recent On the Agenda discussion that artificial intelligence (AI) can strengthen credit and risk management and broaden its value well beyond simply improving day-to-day operations.
But to get there, enterprises need a bit of guidance.
"What used to be cutting-edge technology five years ago is no longer cutting edge," he said, and enterprises that try to keep up with the rapid changes in data science and analysis on their own can be quickly overwhelmed. The enterprise that starts with regression and pattern analysis solutions might scale rapidly and find benefit from neural networks.
For banks, acquirers and healthcare payments executives, he said, using vendors' AI-based solutions help to avoid undue losses from fraud, the abuse and misallocation of funds and poor underwriting decisions.
Jha's comments came against a backdrop in which 88% of financial institutions (FIs) said the pandemic has made lending and credit more challenging. Jha said that the pandemic has underlined that firms need fraud fighting systems in place that are adaptable and that change as the fraudsters change.
"Every month, even every day can be different," he said, adding that "as an enterprise, there is only so much that you can react to."
Although most executives see the value of deploying AI systems in their risk-management efforts, many executives are unsure of just how to proceed in making the aspiration a reality. AI tech talent is hard to find and takes years to train, and building models and solutions in-house can take years.
Given those challenges, it makes sense to work with outsourced providers (Brighterion among them), where tapping into what Jha termed a fully baked solution can be no different than the way buying an HR solution a decade ago might have been.
We're moving toward turnkey solutions where AI modeling is baked in, with the different, disparate data elements that firms need to boost their own fraud defenses.
"Your own data gets into the system, and as the model trains on that, you'll get more and more value — and you can get started pretty quickly," he said. "That's the next evolution for AI solutions."
Along the way, rapid, accurate decisioning allows FIs (and other enterprises) to build new credit products and services — evident in the explosion in buy now, pay later (BNPL) offerings in just the past year across traditional FIs and digital-only FinTechs, he said.
Improving Credit Risk Management
Jha noted that AI has particular value in managing credit risk. It can leverage real-time data to help lenders make better decisions at origination and spot hiccups and potential fraud before losses hit results.
There's a bit of lopsided embrace of AI as 79% of banks with more than $100 billion in assets use AI, but only a fraction of smaller banks do. And although progress has been made, the greenfield opportunity is significant. In 2018, 5% of FIs reported using AI systems in areas like credit risk management and fraud detection. By 2021, that figure had increased threefold to 16%.
Jha posited that smaller firms might not have enough data (particularly as the initial credit application is made) to build AI models. Even on the delinquency side of the equation, there is not enough data on hand to be predictive. He said that platform models have broader options that enterprise clients can access to build the best models possible.
The urgency to tap into the platform model is there, as 93% of all acquirers said they are seeing more fraudulent transactions than one year ago. Ninety-eight percent of all acquirers that use AI use it to detect fraud, and 79% of them consider AI to be the most important tool in their fight against fraud.
"Everybody's struggling with onboarding hundreds and thousands of small businesses that they want to do business with," he said.
The Approval Dilemma
Acquirers face a dilemma when fighting fraud, said Jha. On one hand, they want to make sure that the fraud is stopped early, before those suspect transactions are submitted to the issuers. But they also want to increase approval rates — in Jha's terms, "because the issuer knows you're a good acquirer."
But acquirers must also worry about the risk of onboarding fraudulent merchants. Machine learning (ML) and AI technologies can accelerate the process. He told Webster that Brighterion is bringing its data assets together to create a data onboarding solution that can assess credit risk at that initial point of contact.
"You're building more safety into the system," he said, as each transaction and customer is viewed holistically.
Looking ahead, Jha said that we'll see a continued shift away from enterprises continuing to invest in AI by building solutions from scratch.
"You're not actually going to get any differentiation by doing that," he said. "If you can actually have a vendor that can provide you a turnkey solution and will invest in innovation going forward, you are much better off just adopting that, and then making some custom improvement on that."
As he told Webster, in credit risk and anti-fraud efforts, "adaptability has become the name of the game."
Fighting Digital Banking Fraud With AI Tools
The banking industry has been faster than most in adopting artificial intelligence (AI). Banks have found that AI is extremely useful in fighting fraud because it helps to flag suspicious transactions in real time. This feature is especially useful in the high-volume business of processing card transactions for retailers and other merchants. AI helps acquiring banks and merchants determine appropriate responses when suspicious transactions are flagged.
These are among the key findings from AI In Focus: Waging Digital Warfare Against Payments Fraud, a collaboration between PYMNTS and Brighterion, a Mastercard company. We examine how acquiring banks use AI and effective merchant monitoring to combat credit, debit and prepaid card fraud. The playbook is based on a survey of 104 executives from acquiring banks in the United States from Sept. 22 to Oct. 14. The executives have leadership responsibilities and a deep understanding of the merchant debit, credit and prepaid card acceptance business. Their expertise covers risk management, transaction fraud, fraud detection/analysis and merchant monitoring.
More key findings from the study include:
Seventy-five percent of acquiring banks use AI to fight fraud, and 88% of those that do not use AI plan to adopt such systems to combat fraud within the next year. Acquirers' increased reliance upon AI coincides with the rapid changes and increased transaction volumes that have come about from the pandemic. Online shopping has increased sharply, as has the use of credit, debit and prepaid cards and other digital and online payments.
Ninety-three percent of all acquirers say they see more fraudulent transactions now than one year ago. Acquirers also recognize the threat that fraud poses to their business, as 88% said they believe that reducing fraud is crucial to their ability to increase or maintain merchant-processing revenue. No acquirer is immune to credit and debit card fraud, but those that use AI for fraud detection face attacks somewhat less frequently than those that do not.
Forty-one percent of acquirers using AI systems to detect transaction fraud say its ability to flag suspicious transactions is its most important benefit. Another 41% say AI's anti-fraud features are an important benefit, but that other benefits matter too. AI systems can improve operational efficiencies and enhance acquirers' broader anti-fraud efforts. Nearly half of the acquirers that use AI to detect fraud also say it has helped them reduce the personnel needed for their anti-fraud efforts.
Acquirers are under significant pressure to protect themselves and their merchant clients from payments fraud, and they are turning to AI systems for help. This is not surprising, given the high importance of the merchant card business for acquirers and how fraud detection strongly impacts revenue growth. PYMNTS research shows a high adoption rate for AI systems and finds no signs of this trend abating. Most banks that have yet to implement these systems will have done so by this time next year. Acquirers are using AI to fight fraud and reap the benefits of increasing payments volumes.
To learn more about how acquiring banks use AI to combat payments and transaction fraud, download the playbook.
Leveraging AR Automation With Remote Work
Cash flow considerations are not limited to one sector or business type. Delays or errors in the process can have colossal ripple effects in all industries. Firms that lack the free capital to ensure timely payroll, vendor payments and a host of other necessities could find themselves in a world of issues. It is the job of accounts receivable (AR) departments to ensure that customers' payments arrive on time and with all the necessary information or they will find their firms' downstream cash flows to be imperiled.
Ensuring this is much harder on paper than in practice, however, with data entry errors and payment processing delays plaguing AR departments around the world. One potential answer to these AR challenges is automation, which reduces the potential for human error by implementing systems that rely on artificial intelligence (AI). These systems delegate everyday processes, like collections and invoicing, to AI-aided systems, accelerating the complex calculations that often frustrate and bog down human analysts.
The November edition of the Working Capital Playbook®, a PYMNTS and YayPay collaboration, explores the latest in the world of accounts receivable, including the challenges that AR teams face in their day-to-day business, how AR automation can help close the performance gap and how the pandemic has affected the AR field as employees are working from home.
Developments From Around the World of Accounts Receivable
Payment errors and delays can have massive ramifications for many industries, with the construction sector serving as a prime example. The construction industry loses $100 billion annually due to delays that stem from two primary sources: aging infrastructure that transfers payments via the postal mail or electronic means, and delay in payments documentation, approval and communication. Net-30 terms are typical in the construction sector, but nearly half of all firms wait up to 90 days to receive payments. This suggests that digitization and AR automation could go a long way toward helping construction firms maximize their efficiency and save costs.
AR automation is working to close this payments gap and has seen widespread implementation within the business world. The Institute of Finance and Management (IOFM) reported that the global AR automation market is projected to grow by nearly 13% annually within the next five years, up to $3.9 billion in 2026 from $1.9 billion this year. The IOFM said the pandemic has been a key growth driver in this regard. Many companies' accounting employees are working from home, limiting the efficiency of manual AR procedures.
For more on these stories and other working capital developments, read the Playbook's News and Trends section.
VironIT on Leveraging AR Automation to Make Remote Work More Efficient
Record numbers of employees began working from home during the past two years, but this change has brought a fair amount of challenges in the form of communication and collaboration mishaps. Accounting departments were especially affected by this, but many found that AR automation helped reduce the amount of delayed payments and errors.
In this month's Feature Story, PYMNTS talked with Alexey Grakov, co-owner of software development company VironIT, about how AR automation kept remote work hiccups to a minimum.
Deep Dive: How Paper Payments Are Hindering AR Automation Implementation
AR automation can provide numerous benefits to corporate accounting teams, reducing payment errors and delays that can lead to big costs in downstream cash flow issues. Automated solutions' implementation is severely hindered by the persistence of paper-based payments, however, which are still commonplace in the business world despite the increasing prevalence of digital solutions.
This month's Deep Dive explores why paper-based payments are delaying the implementation of AR automation and what firms stand to gain from taking their payments digital and going all-in on AR automation.
About the Playbook
The Working Capital Playbook®, done in collaboration with YayPay, is your go-to monthly resource for updates on trends and changes in accounts receivable.
Reducing Fraud With Behavioral Analytics, AI
In response to the increasing severity of cyberattacks during the pandemic, IT departments incorporated stronger security processes and customer verification methods into cybersecurity defense systems.
Incorporating these extra precautions was important, as 35% of companies said digital processes resulted in fraudulent user profiles, and 38% said digital authentication adoption is more imperative now than pre-pandemic. Some measures can create friction for customers, however, which threatens both consumer satisfaction and revenue streams.
Behavioral analytics have demonstrated great success in protecting sensitive data without compromising the customer experience. Deploying a multilayered authentication approach can help examine user behavior and differentiate between genuine customers and bad actors. It also helps organize applications and allows cybersecurity employees to focus their attention on high-level threats by analyzing large masses of data to prioritize security responses.
In the latest Monetizing Digital Intent Tracker®, PYMNTS examines how behavioral analytics can help businesses protect their digital platforms from bad actors without causing irreparable harm to their client relationships.
Around the Behavioral Analytics Space
The wave of consumers who migrated to digital channels during the pandemic inspired bad actors to execute more cyberattacks. As a result, identity theft losses reached $712.4 billion in 2020, up 42% year over year from $502.5 billion. Cybersecurity professionals responded with heightened security protocols and more complex defense systems. Some digital fraud solutions negatively impact the customer experience, leaving many legitimate users frustrated and locked out of their accounts. Most promisingly, behavioral analytics uses a series of techniques to analyze customers' digital activities and prevent fraud while reducing false positives.
Cybercriminals have learned how to evade detection and surpass many companies' defense systems. These breaches can have damaging effects on customer trust, as 80% of breaches contained users' personally identifiable information (PII), according to a report. The uptick in attacks has left cybersecurity professionals exhausted, especially because many of the reported threats come from genuine users who have forgotten their credentials or entered them incorrectly. Automation and behavioral analytics can ease some of the burden placed on IT departments by increasing the speed of data collection and analyzing the input of users' information to determine whether a party is legitimate or not.
Children have inherited their parents' poor digital hygiene habits as they continue the practice of recycling passwords across various accounts. A survey of 1,500 children ages 8 to 18 found that most participants admitted to reusing passwords. Digital service providers should implement other authentication tools, such as behavioral analytics, to combat the adverse effects of such practices and add a layer of security to traditional identity verification procedures. This account validation procedure will help protect the consumer's information if the account's password is compromised.
For more on these and other stories, visit the Tracker's News & Trends.
How AI and Behavioral Analytics Reduce Friction in the Digital Authentication Process
As many citizens strive for a sense of normalcy after months of pandemic-related restrictions, cybercrime prevention remains a top priority for internet security professionals. Several technological advancements emerged during this time to help combat the innovative tactics of increasingly sophisticated bad actors. Behavioral analytics presents significant potential for fraud prevention and user authentication, explained Kostas Noreika, co-founder of the FinTech company Paysera.
To learn more about why businesses are flocking toward artificial intelligence (AI) and behavioral analytics to better understand the actions of both their clients and potential fraudsters, visit the Report's Feature Story.
Deep Dive: How Behavioral Analytics Are Strengthening Cybersecurity Protocols Without Jeopardizing the Customer Experience
During a time of many in-person restrictions and limitations, digital platforms showed the boundless capacity to serve consumers. The pandemic tore down physical barriers for many businesses and their customers, but the increased digitization also had negative repercussions. Bad actors became increasingly sophisticated, and as a result, 47% of organizations reported scammers and identity theft adversely impacted their operations in 2020. Cybersecurity professionals worked quickly to combat the rising fraud rates, incorporating advanced technology into their internet defense systems and hitting a few road blocks along the way.
To learn more about how behavioral analytics can reduce false positives without compromising the security software's ability to prevent fraud, visit the tracker's Deep Dive.
About the Tracker
The Monetizing Digital Intent Tracker®, a PYMNTS and Neuro-ID collaboration, is the go-to monthly resource for updates on trends and changes in behavioral analytics.
Vivaldi's Browser is Behind the Wheel
Today Vivaldi Technologies launched their web browser in The Polestar 2, a battery-electric car from the pure play, Swedish premium electric car company Polestar.
As the first-ever browser available for Android Automotive OS, Vivaldi web browser is one of the first full-featured browsers available in cars. Answering one of the top desires from Polestar owners, the inclusion of a full-scale web browser in the car now allows people to browse the web as they might on their mobile devices from the comfort of their car. This takes the next step towards smarter browsing and safer driving with Vivaldi and Polestar 2's interactive, adaptive, and transparent development for web browsing on the go.
This breakthrough browser was designed with safety and privacy at top of mind. To ensure safety, the browser can only be used when parked, with streaming content only able to continue with audio if driving commences. Some restrictions do apply on a case-by-case basis—for example, files cannot be downloaded once the car is put into drive. On the privacy side, when logged into a Vivaldi account, browsing data may only be shared between other devices logged into the same account. However, no browsing data is stored by the car itself, and data is never shared with Polestar.
Developed exclusively for Polestar 2 by the Vivaldi team in Norway, the app brings full browser functionality to the 11-inch center display of the Polestar car and functions similarly to how a browser would on an android mobile device. An important milestone in the browser space, Vivaldi's attributes help improve the user experiences of drivers—allowing Polestar drivers to simply go to the Google Play Store and install the browser.
Innovative Browsers: Driving to New Lengths
Having launched in 2016, Vivaldi is a flexible, fully customizable browser that adapts to its users and offers more features than any other modern browser. Embracing the two ground rules that privacy is a default, and everything's an option—Vivaldi aims to create new experiences at work, at home, and now even in cars. With this adventurous step into the automotive world, they have showcased their spirit for innovation and experimentation.
Building software that protects users' privacy and also does not track how they use it, Vivaldi believes private and secure software should be the rule rather than the exception.
On top of state-of-the-art security measures, the Vivaldi browser for Polestar 2 doesn't compromise on innovation—boasting many features such as tabbed browsing, streaming ability, and online shopping. The browser is also built around flexibility while simultaneously embracing security, with safeguard measures including a built-in ad blocker, privacy-friendly translation tool, notes function, tracking protection, and encrypted sync functionality.
The Vivaldi browser for Polestar 2 is now available in all European, North American, and Asia Pacific markets. Vivaldi for Android Automotive OS will receive regular updates alongside its other supported platforms including Windows, macOS, Linux, and Android. Changing the way browsers interact with a variety of interfaces, Vivaldi is driving to new lengths for innovation and forging the future of web browser experiences.
Disclaimer: This article mentions a client of an ESPACIO portfolio company.
Barkibu: Bringing Health Coverage to Man's Best Friend
Pets are a part of the family, and protecting them has become more than just an extra effort by pet owners but rather an increasingly needed contingency for animal ownership. This growth comes from the fact that pet healthcare, and by proxy pet insurance, has perpetuated a broken system to date. Many pet parents have been forced to pay through the nose in order to take care of their furry friends' needs, with scant options for coverage—leading to most paying expensive bills out of pocket.
As a human, you go to a different doctor for different things—heart, skin, eyes, teeth, etc. Under the care of different health centers focused on these specialties, you are typically covered under the overarching insurance plan that you have. But oftentimes with our pets, we go to one provider for a variety of different services and have to pay for each one separately—which can really start to add up. This is especially expensive in the time of an accident or sudden illness, which many insurance companies shy away from coverage for pets.
Some pet insurance companies are starting to make changes for the better however, and cutting edge businesses in the industry are working to patch these disparities. In fact, the European Pet Insurance Market is estimated at 830 million USD in 2021 and is expected to grow at a CAGR of 12.8% to reach approximately 1710 million USD by 2026. With pet healthcare a somewhat new, yet growing space, the question of what should be expected comes to mind. One company, Barkibu, is setting the precedent for pet insurance in Europe and Latin America, and trailblazing new parameters for pet care in 2022.
Artificial Intelligence for Pet Diagnosis
Barkibu's mission is founded on the belief that most pet-health-related problems can be solved by automated consumer experiences built on top of structured pet-health data. They aim to build that future by combining several innovations to help better inform owners about caring for their pets—expanding the tools for maintaining pets' wellbeing.
The first cutting-edge health solution by Barkibu is what they have termed as the AI Vet, which uses AI capacities to gather data and make highly informed conclusions about a pet's health conditions. The AI Vet intelligent bot uses insight from veterinarians, as well as from pet owners, to understand what possible problems could be. Using Natural Language Processing (NLP) to glean keywords and understand symptoms, the AI is able to determine common ailments and diseases. Then the AI's machine learning is used to match the symptoms to the most plausible root cause, drawing highly intelligent conclusions, and covering more than 90% of diseases found in dogs and cats.
Before launching their AI Vet, Barkibu started by gathering consensual data from thousands of pet consultations completed by veterinarians. Using this insight, they then test drove the intelligent bot to see how its accuracy fared in actual pet diagnosis online. It was found that in these theoretical tests, comparing the proposed AI answer to the professional veterinarian answer, that the AI Vet was accurate 92% of the time. Through this investigative analysis, the case study testing proved that the AI Vet was ready for the real world.
One example of a relevant use case for this technology is when you are taking care of a family or friend's pet that you're not familiar with. With AI Vet, people are given quick and accurate advice without having to try and call a vet and wait for precious minutes to talk to the correct person for the pet's needs. Rather than trying to replace clinics, Barkibu is working to commence a new era of pet healthcare that is led by more precise, attainable, and immediate knowledge on pets and their medical needs.
Combining Care Coverage With Needed Technological Innovations
Other common problems with pets' insurance is the fact that the format offered is bundled services, with some specialists and surgeons peppered in—typically with coverage only in a very specific set of circumstances. But in the end, if the time arises when your furry friend needs help, pet owners often have no understanding of what needs to happen, or how much it might cost before they get there. This makes for a bunch of disparate costs and no comprehension of what was wrong with their companion in the first place.
This is where Barkibu is different. In addition to providing the extremely valuable resource of the AI Vet, Barkibu also offers telehealth with their pet insurance—working in collaboration with experienced operators, engineers, and product builders to make it a feasible virtual avenue for pet healthcare. This helps to even further expand pet owners' ability to assist their dog or cat's care, right from home, and helps to close the existing gaps of understanding with their pet's wellbeing.
Barkibu doesn't see itself as an insurance company, because they don't move on the same metrics as an insurance company. With an end goal to help as many pet owners as they can, they use deep engagement with their customers through these technological capacities and are available 24/7 to answer any questions.
This symbiotic relationship between Barkibu and their customers is a win, win—because the more they are able to answer pet health questions, the more they are able to feed their AI Vet and Telehealth platform databases. Generating valuable insight, the data creates a positive cycle that circles back to help more pets with more accurate diagnoses.
The app uses all of these learning digital innovations to customize suggestions and healthcare for each pet and pet owner, helping pet owners to always be informed. With easy day-to-day interactions to help prevent problems, immediate attention 24/7 with the AI Vet when owners have concerning health questions, and the capacity to have a vet look at their pet via the telehealth app if need be—Barkibu is truly transforming the way we can care for our furry companions.
With Knowledge Comes Power
Changing the way that pet insurance companies are viewed, Barkibu is a business not just there in the time of accidents, but rather all of the time—for both pet and pet owners alike. This prompts pet owners to naturally trust and use their app, helping them to help you.
The pet healthcare sector will be radically transformed with more approachable and accurate solutions for pets' wellbeing. With knowledge comes power, and Barkibu is working to build a brighter future of care for cats and dogs through automated data consumer products—manifesting a platform to which pet owners can rest assured that their companions are covered.
Disclaimer: This article mentions a client of an Espacio portfolio company
Why Biometric Onboarding Is a Must for AML/KYC
Digital-first businesses were better equipped to take advantage of new market opportunities unleashed during the pandemic. In the past year, 92% of consumers made an online purchase, while 85% performed banking activities online, according to PYMNTS research. In this rapidly evolving digital environment, banks are pressed to adopt technology with a digital-first and consumer-centric mindset. They need to meet customer expectations for secure access to basic services such as making money transfers via multiple digital and mobile channels.
In the December edition of the AML/KYC Tracker®, PYMNTS explores how anti-money laundering (AML)/know your customer (KYC) compliance requirements are changing with consumers growing use of digital banking services and how adopting biometrics, artificial intelligence (AI) and machine learning (ML) technologies are helping banks to remain AML/KYC compliant and keep customers secure.
Around the AML/KYC Space
Hong Kong's banking regulator has levied a total of $5.7 million in fines on four banks — including local branches of Industrial and Commercial Bank of China and UBS — for non-compliance to AML rules. According to a statement from the Hong Kong Monetary Authority (HKMA), they failed to use appropriate AML measures for customer due diligence.
The Financial Crimes Enforcement Network (FinCEN) has released a list of its top priorities in fighting money laundering and the financing of terrorism. These priorities highlight the most prominent threats to the United States, including corruption, cybercrime, domestic and international terrorist financing, fraud, transnational criminal organizations, drug trafficking organizations and proliferation financing.
As the number of consumers onboarded remotely grows, so does financial crime, making digital identity verification crucial. Fraudsters are adopting more sophisticated scams, such as impersonating a business, which requires an upgrade in digital AML and KYC solutions. Financial institutions (FIs) are also scrambling to keep up with current AML/KYC requirements, a mandate made more urgent by the European Union's sixth AML directive combined with stricter regulations in the U.S.
For more on these stories and other AML/KYC headlines, check out the Tracker's News and Trends section.
Upgrade on How FIs and FinTechs Can Leverage Data-Centric AML/KYC Compliance to Secure Digital Banking
New security concerns include greater risks for identity theft and online fraud, as in-person onboarding procedures and account access give way to digital transactions.
In this month's Feature Story, Upgrade Chief Risk and Compliance Officer Tom Curran explains how FIs and FinTechs can comply with AML/KYC regulatory requirements while ensuring customers have a frictionless digital banking experience.
Deep Dive: How AML/KYC Measures Are Evolving With Digital Banking's Growth
FIs are pressed to provide digitally-savvy consumers with convenient, streamlined and interactive digital banking experiences while keeping personal information secure.
This month's Deep Dive explores the challenges FIs face in meeting AML/KYC regulatory requirements as digital banking becomes more popular and how investing in AI and ML technologies can help banks remain AML/KYC compliant and keep their customers safe from online threats.
The AML/KYC Tracker®, a PYMNTS and Trulioo collaboration, provides an in-depth examination of current efforts to stop money laundering, fight fraud and improve customer identity authentication in the financial services space.
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PARIS (Reuters) - Andrea Petkovic is in the middle of reading two books, is up against deadlines to finish the weekly columns she writes for two magazines and also has an over-active mind that does not stop buzzing — it's a wonder she has any time to play tennis.
In between all her off-court commitments, the German managed to reach the third round of a Grand Slam for the first time in three years and is hoping her French Open showdown with world number one Simona Halep does not turn into a "Greek tragedy".
A semi-finalist in Paris in 2014, when her run was ended by Halep, the German's career has not exactly had the lift-off many expected.
But an older and wiser Petkovic is hoping she will be able to tap into her deepest thoughts to end a seven-match losing streak against the top seeded Romanian.
"I'm 30 now, which is very old for tennis but very young for life. So I feel like my experience helps me to point my thoughts in the right direction a little bit better," said Petkovic, who brought along the biography of Barack Obama to Paris as her chosen bedtime read.
Whether she will can find that inner peace when she faces Halep on Saturday has yet to be seen but the ideas bouncing around inside her head help her to write a film-related column for a German magazine and pen articles for a tennis publication.
While she has yet to make a mark as a fashion journalist, Petkovic did not shy away from offering her opinion on the look that has set Roland Garros abuzz this week — Serena Williams' skin-tight, all black catsuit.
"I love the catsuit. I'm all for it. I might copy her catsuit and walk (in it)," Petkovic said with a smile.


Annual celebration of real ale and real cider in Sheffield's atmospheric Kelham Island Museum. 4 separate bar areas feature over 250 different ales, including CAMRA-approved Keg beers and over 40 real ciders. Traditional games, food stalls and live music make this one of the highlights of the Sheffield calendar.


Home » Mutual Fund NAV Online » Worried How to Buy Mutual Funds Online?
Worried How to Buy Mutual Funds Online?
In an era of e-transactions, you can do everything online from buying cars to opening bank accounts. Be it the booking of travel or movie tickets or the transfer of funds, online tools are now increasingly used by people across India and all over the world. But when you talk about the investment, people generally go offline with the reasons best known to them. However, they can use online tools and do the transactions in a much more convenient and seamless manner compared to the offline mode. Today, we will discuss the ways that you can apply to buy mutual fund online.
You can easily do online transactions as many mutual fund or say asset management companies (AMC) are customizing their processes to serve the customer requirements. First, you are required to download the scheme form from the website. Thereafter, you must fill in personal details and submit the form along with the initial cheque, Know Your Customer (KYC) letter and PAN Card photocopy. Additionally, you will have to apply for a personal identification number (PIN) to carry online transactions. Subsequently, you will be assigned a folio number and the PIN, enabling you to make transactions online. This process is no doubt cheap as the service comes free of cost. You will have to follow the same process while applying for various other fund houses.
As most of the large brokers are linked with the BSE or NSE mutual fund exchange platforms, you can log on to the online trading terminal of the broker and choose the scheme from a list of schemes on the portal. The units will automatically get credited to your demat account. Depending upon your requirements, you can make a Systematic Investment Plan (SIP) or a lump sum investment. This will incur you some charges, which may be different across different brokers. For instance-ICICI Bank imposes a charge of ₹30 or 1.5% whichever is lower on SIP. Whereas HDFC charges a flat ₹100 in each quarter regardless of the amount you would have invested.
There are various independent portals that are catering to the requirements of mutual fund investors. One such portal is Wishfin.com which will take you to a journey of buying and selling your mutual fund units along with the right kind of assistance wherever you need. In this way, Wishfin helps you to bolster your efforts in making the right kind of financial decision for yourself. Just by following the simple steps you can quickly get the hands-on-experience so that your all mutual fund transactions become seamlessly interesting to sail through your next course of financial decision. To start with, you are required to open an online account with Wishfin by creating your User ID(either through email ID or mobile number) and password. Provide your KYC details for instant verification. Once it is done, congratulations, you are now on the verge of starting your mutual fund journey. Start making a purchase from across the mutual fund schemes offered by various AMCs. Moreover, get access to the online tools for keeping a tab on your mutual fund holdings, as well as use the in-house research and analysis to build your strong investment portfolio.
In short, by making Wishfin your investment advisor will not only translate your dreams into reality but can keep your investment journey intact with the right kind of experts assistance wherever you need. So, start investing! As now is the time to get benefited from Wishfin.