Juniper Bank was a direct bank based in Wilmington, Delaware. The bank focused on branded credit cards. History[edit]. The bank was founded in January 2000. It received financing from Benchmark Capital. In November 2000, the bank began offering insurance products. In September 2001, the Canadian Imperial
Juniper Bank was a direct bank based in Wilmington, Delaware. The bank focused on branded credit cards. History[edit]. The bank was founded in January 2000. It received financing from Benchmark Capital. In November 2000, the bank began offering insurance products. In September 2001, the Canadian Imperial
Credit is a powerful tool. It can either make or break your business, depending on how you use it. This presentation will give you actionable recommendations so you can utilize credit to grow your business to new heights.
The 0% credit card program is a great funding solution for many entrepreneurs. You can get money as a startup, or high risk industry, if you lack cash flow or collateral, and even without financials… making it easier to get approved for and the funding is fairly fast, within 3 weeks or less. Visit to get started
Or call us 877-600-2487 or email us to learn more about this and all funding and credit options for your business
In this class we discuss what lenders are looking at when you apply for a home loan.
Did you know that bad credit can result from not knowing how to build good credit? We talk about common myths about your credit report in this informative class as well.
What is required by the lender when you apply for a home loan? It's covered in this class.
Bank Business Loans vs Business Cash AdvanceMike Wallace
The following presentation is a very concise comparison between traditional business loans and a business or merchant cash advance. Small business owners can analyze the pros and cons of both financial products when trying to determine which one is right for their business.
For more information about traditional financing small business owners can check with any local or regional bank and for information on a business cash advance you can visit https://shieldfunding.com/business-loans/business-financing-options/business-cash-advance/
Creative financing solutions - Money Forum 2015FundThrough
Obtaining financing can be tough for Canadian Entrepreneurs, discover some of the alternative financing options for small businesses.
Evaluate the pros and cons of the four different financing options: personal loans, accounts receivable financing, merchant cash advances and leasing.
Apply for Accounts Receivable financing at http://bit.ly/financingsolutions
Kubernetes & AI - Beauty and the Beast !?! @KCD Istanbul 2024Tobias Schneck
As AI technology is pushing into IT I was wondering myself, as an “infrastructure container kubernetes guy”, how get this fancy AI technology get managed from an infrastructure operational view? Is it possible to apply our lovely cloud native principals as well? What benefit’s both technologies could bring to each other?
Let me take this questions and provide you a short journey through existing deployment models and use cases for AI software. On practical examples, we discuss what cloud/on-premise strategy we may need for applying it to our own infrastructure to get it to work from an enterprise perspective. I want to give an overview about infrastructure requirements and technologies, what could be beneficial or limiting your AI use cases in an enterprise environment. An interactive Demo will give you some insides, what approaches I got already working for real.
Credit is a powerful tool. It can either make or break your business, depending on how you use it. This presentation will give you actionable recommendations so you can utilize credit to grow your business to new heights.
The 0% credit card program is a great funding solution for many entrepreneurs. You can get money as a startup, or high risk industry, if you lack cash flow or collateral, and even without financials… making it easier to get approved for and the funding is fairly fast, within 3 weeks or less. Visit to get started
Or call us 877-600-2487 or email us to learn more about this and all funding and credit options for your business
In this class we discuss what lenders are looking at when you apply for a home loan.
Did you know that bad credit can result from not knowing how to build good credit? We talk about common myths about your credit report in this informative class as well.
What is required by the lender when you apply for a home loan? It's covered in this class.
Bank Business Loans vs Business Cash AdvanceMike Wallace
The following presentation is a very concise comparison between traditional business loans and a business or merchant cash advance. Small business owners can analyze the pros and cons of both financial products when trying to determine which one is right for their business.
For more information about traditional financing small business owners can check with any local or regional bank and for information on a business cash advance you can visit https://shieldfunding.com/business-loans/business-financing-options/business-cash-advance/
Creative financing solutions - Money Forum 2015FundThrough
Obtaining financing can be tough for Canadian Entrepreneurs, discover some of the alternative financing options for small businesses.
Evaluate the pros and cons of the four different financing options: personal loans, accounts receivable financing, merchant cash advances and leasing.
Apply for Accounts Receivable financing at http://bit.ly/financingsolutions
Kubernetes & AI - Beauty and the Beast !?! @KCD Istanbul 2024Tobias Schneck
As AI technology is pushing into IT I was wondering myself, as an “infrastructure container kubernetes guy”, how get this fancy AI technology get managed from an infrastructure operational view? Is it possible to apply our lovely cloud native principals as well? What benefit’s both technologies could bring to each other?
Let me take this questions and provide you a short journey through existing deployment models and use cases for AI software. On practical examples, we discuss what cloud/on-premise strategy we may need for applying it to our own infrastructure to get it to work from an enterprise perspective. I want to give an overview about infrastructure requirements and technologies, what could be beneficial or limiting your AI use cases in an enterprise environment. An interactive Demo will give you some insides, what approaches I got already working for real.
Elevating Tactical DDD Patterns Through Object CalisthenicsDorra BARTAGUIZ
After immersing yourself in the blue book and its red counterpart, attending DDD-focused conferences, and applying tactical patterns, you're left with a crucial question: How do I ensure my design is effective? Tactical patterns within Domain-Driven Design (DDD) serve as guiding principles for creating clear and manageable domain models. However, achieving success with these patterns requires additional guidance. Interestingly, we've observed that a set of constraints initially designed for training purposes remarkably aligns with effective pattern implementation, offering a more ‘mechanical’ approach. Let's explore together how Object Calisthenics can elevate the design of your tactical DDD patterns, offering concrete help for those venturing into DDD for the first time!
Epistemic Interaction - tuning interfaces to provide information for AI supportAlan Dix
Paper presented at SYNERGY workshop at AVI 2024, Genoa, Italy. 3rd June 2024
https://alandix.com/academic/papers/synergy2024-epistemic/
As machine learning integrates deeper into human-computer interactions, the concept of epistemic interaction emerges, aiming to refine these interactions to enhance system adaptability. This approach encourages minor, intentional adjustments in user behaviour to enrich the data available for system learning. This paper introduces epistemic interaction within the context of human-system communication, illustrating how deliberate interaction design can improve system understanding and adaptation. Through concrete examples, we demonstrate the potential of epistemic interaction to significantly advance human-computer interaction by leveraging intuitive human communication strategies to inform system design and functionality, offering a novel pathway for enriching user-system engagements.
The Art of the Pitch: WordPress Relationships and SalesLaura Byrne
Clients don’t know what they don’t know. What web solutions are right for them? How does WordPress come into the picture? How do you make sure you understand scope and timeline? What do you do if sometime changes?
All these questions and more will be explored as we talk about matching clients’ needs with what your agency offers without pulling teeth or pulling your hair out. Practical tips, and strategies for successful relationship building that leads to closing the deal.
Neuro-symbolic is not enough, we need neuro-*semantic*Frank van Harmelen
Neuro-symbolic (NeSy) AI is on the rise. However, simply machine learning on just any symbolic structure is not sufficient to really harvest the gains of NeSy. These will only be gained when the symbolic structures have an actual semantics. I give an operational definition of semantics as “predictable inference”.
All of this illustrated with link prediction over knowledge graphs, but the argument is general.
Builder.ai Founder Sachin Dev Duggal's Strategic Approach to Create an Innova...Ramesh Iyer
In today's fast-changing business world, Companies that adapt and embrace new ideas often need help to keep up with the competition. However, fostering a culture of innovation takes much work. It takes vision, leadership and willingness to take risks in the right proportion. Sachin Dev Duggal, co-founder of Builder.ai, has perfected the art of this balance, creating a company culture where creativity and growth are nurtured at each stage.
Key Trends Shaping the Future of Infrastructure.pdfCheryl Hung
Keynote at DIGIT West Expo, Glasgow on 29 May 2024.
Cheryl Hung, ochery.com
Sr Director, Infrastructure Ecosystem, Arm.
The key trends across hardware, cloud and open-source; exploring how these areas are likely to mature and develop over the short and long-term, and then considering how organisations can position themselves to adapt and thrive.
State of ICS and IoT Cyber Threat Landscape Report 2024 previewPrayukth K V
The IoT and OT threat landscape report has been prepared by the Threat Research Team at Sectrio using data from Sectrio, cyber threat intelligence farming facilities spread across over 85 cities around the world. In addition, Sectrio also runs AI-based advanced threat and payload engagement facilities that serve as sinks to attract and engage sophisticated threat actors, and newer malware including new variants and latent threats that are at an earlier stage of development.
The latest edition of the OT/ICS and IoT security Threat Landscape Report 2024 also covers:
State of global ICS asset and network exposure
Sectoral targets and attacks as well as the cost of ransom
Global APT activity, AI usage, actor and tactic profiles, and implications
Rise in volumes of AI-powered cyberattacks
Major cyber events in 2024
Malware and malicious payload trends
Cyberattack types and targets
Vulnerability exploit attempts on CVEs
Attacks on counties – USA
Expansion of bot farms – how, where, and why
In-depth analysis of the cyber threat landscape across North America, South America, Europe, APAC, and the Middle East
Why are attacks on smart factories rising?
Cyber risk predictions
Axis of attacks – Europe
Systemic attacks in the Middle East
Download the full report from here:
https://sectrio.com/resources/ot-threat-landscape-reports/sectrio-releases-ot-ics-and-iot-security-threat-landscape-report-2024/
GDG Cloud Southlake #33: Boule & Rebala: Effective AppSec in SDLC using Deplo...James Anderson
Effective Application Security in Software Delivery lifecycle using Deployment Firewall and DBOM
The modern software delivery process (or the CI/CD process) includes many tools, distributed teams, open-source code, and cloud platforms. Constant focus on speed to release software to market, along with the traditional slow and manual security checks has caused gaps in continuous security as an important piece in the software supply chain. Today organizations feel more susceptible to external and internal cyber threats due to the vast attack surface in their applications supply chain and the lack of end-to-end governance and risk management.
The software team must secure its software delivery process to avoid vulnerability and security breaches. This needs to be achieved with existing tool chains and without extensive rework of the delivery processes. This talk will present strategies and techniques for providing visibility into the true risk of the existing vulnerabilities, preventing the introduction of security issues in the software, resolving vulnerabilities in production environments quickly, and capturing the deployment bill of materials (DBOM).
Speakers:
Bob Boule
Robert Boule is a technology enthusiast with PASSION for technology and making things work along with a knack for helping others understand how things work. He comes with around 20 years of solution engineering experience in application security, software continuous delivery, and SaaS platforms. He is known for his dynamic presentations in CI/CD and application security integrated in software delivery lifecycle.
Gopinath Rebala
Gopinath Rebala is the CTO of OpsMx, where he has overall responsibility for the machine learning and data processing architectures for Secure Software Delivery. Gopi also has a strong connection with our customers, leading design and architecture for strategic implementations. Gopi is a frequent speaker and well-known leader in continuous delivery and integrating security into software delivery.
Generating a custom Ruby SDK for your web service or Rails API using Smithyg2nightmarescribd
Have you ever wanted a Ruby client API to communicate with your web service? Smithy is a protocol-agnostic language for defining services and SDKs. Smithy Ruby is an implementation of Smithy that generates a Ruby SDK using a Smithy model. In this talk, we will explore Smithy and Smithy Ruby to learn how to generate custom feature-rich SDKs that can communicate with any web service, such as a Rails JSON API.
5. Product Offering
• The 3rd party payment option is directly embedded into the checkout page;
• Monthly payment and interest charge will be shown at the beginning and
no hidden fees will be charged
Easier Process
• Customers don’t need FICO to be qualified for a credit line
• Other factors, like education background and potential income will
become the main drivers
Different Approval Process
• It will have lower interest rate than traditional credit card or even personal
loan
Lower Cost
• Every loan is underwritten individually so no fixed credit line is set,
compared to traditional financing options
No Fixed Amount
6. Competitive Analysis
Credit Card Personal Loan PayPal FlexIt
Process Complicated Complicated Relatively Easy Easy
Approval Rate Low Low Medium Medium to High
Credit Line Low Low Low No Fixed Limit
Cost $$$ $$ $ $
7. Typical Persona
Veronica
Veronica is a recent graduate from Columbia
Law School and just starts working for a law
firm in New York City. She really enjoys work
because it gives her more financial freedom.
At the same time, she still has $100,000
student loan from undergraduate and law
school. She wants to pay back the loan as
soon as possible but also wants to have a
quality life. She enjoys shopping and has a
strong sense of personal finance. She knows
to save some money for emergency and
starts to learn how to invest.
Characteristics:
• Hardworking and often stay up late for work
• Enjoys shopping to have a quality life
Goals:
• Pays back student loan as soon as possible
• Wants to date guys
• Learns how to invest
Pain Points:
• Students loan accounts for a large portion of
monthly budget
• Wants to buy some expensive items but does not
disrupt regular spending
A recent graduate from Columbia Law School
8. Typical Persona
Sam
A graduate student in accounting from Pace
University
Sam is a graduate student at Pace University.
Like most young people, he spends most of
his free online and share interesting stuff with
friends. As he is still a student, he has a tight
budget every month and has to think twice
before buying any large items. At the same
time, his friends always share their
interesting purchases online, like new
bicycles or sport gears.
Characteristics:
• Outgoing and social
• Absorbing new information all the time, mainly
from social networking sites
Goals:
• Wants to land a job in account
• Wants to buy interesting gadgets
• Wants to learn personal finance
Pain Points:
• Has a very tight monthly budget
• Has no credit history and cannot get a credit card
9. Target Customer UX
CART
$ 750.0
CHECKOUT CHECKOUT
FlexIT
We want to learn more
about you.
How old are you?
Are you currently working?
Where do you go to school?
Congratulations!
Tell us which option you
prefer?
10. Key Metrics for Performance
Number of New Customers;
Number of Returned Customers;
Annual Spend Per Customer;
Number of Merchants;
Default Rate;
12. Product Financial Model
Assumptions:
1. It is assumed that there are no credit losses;
2. It is assumed that customers are acquired on the first day
of business;
Revenue Assumptions
1. Percentage of transaction 2% of each transaction
2. Interest Charged 10% of total interest 12% APR
Cost Assumptions
1. Partner Cost
The fixed cost for
partnership
$10000 per
merchant
2. Acquisition Cost
The cost is the same for
all acquired customers
$10 per
customer
1000 1500 2000 2500 3000
500 1000 9000 17000 25000 33000
600 3200 12800 22400 32000 41600
700 5400 16600 27800 39000 50200
800 7600 20400 33200 46000 58800
900 9800 24200 38600 53000 67400
1000 12000 28000 44000 60000 76000
Annual Spend Per Customer ($)
AnnualCustomersPerMerchant
Annual Profit above $20,000
13. Potential Problems
Market fit and acceptance
Strong Competition
Initial Investment in partnership and customer acquisition
High default rate because of change of underwriting criteria
Regulations
Editor's Notes
Average APR for Credit Card: http://www.valuepenguin.com/average-credit-card-interest-rates
The average rate on a 24-month personal loan was 10.52% while it was 12.36% for credit card in November 2011
Average APR for Credit Card: http://www.valuepenguin.com/average-credit-card-interest-rates
The average rate on a 24-month personal loan was 10.52% while it was 12.36% for credit card in November 2011
Average APR for Credit Card: http://www.valuepenguin.com/average-credit-card-interest-rates
The average rate on a 24-month personal loan was 10.52% while it was 12.36% for credit card in November 2011
Average APR for Credit Card: http://www.valuepenguin.com/average-credit-card-interest-rates
The average rate on a 24-month personal loan was 10.52% while it was 12.36% for credit card in November 2011
Average APR for Credit Card: http://www.valuepenguin.com/average-credit-card-interest-rates
The average rate on a 24-month personal loan was 10.52% while it was 12.36% for credit card in November 2011