Most spending still occurs at physical stores, though mobile and e-commerce sales are growing. Introducing new ways to pay, like early credit cards in the 1950s and 1960s, was difficult at first but provided benefits like reduced merchant risk, increased efficiency and lower costs, and greater consumer utility. While consumer expectations of the shopping experience have changed little over time, old habits are hard to break.
While fewer people identify as "gamers", nearly half of Americans play video games and the average player is 35 years old. Perceptions that men play more than women are untrue, as both genders play in equal amounts. Video game sales have significantly increased over the past decade, reaching $24.5 billion in 2016, with three quarters of sales now coming from digital downloads and platforms rather than physical stores.
National Drink Wine Day survey results show:
- 51% of respondents prefer red wine, 23% white wine, and 14% other types of wine.
- Most wine is purchased at grocery stores (40%) or liquor/wine stores (37%).
- Wine drinkers are more likely to be married, aged 35-44, live in metro areas, have a higher income, and have a college degree.
This business briefing provides information for UK businesses seeking funding and support, including:
1) An upcoming event showcasing IoT innovations with discounted exhibition space and a pitching competition.
2) Details on several Innovate UK funding calls covering healthcare solutions in India, design innovation, infrastructure systems, and nuclear decommissioning.
3) Information on other funding opportunities from Horizon 2020, the Department for Transport, and Ufi for digital vocational learning.
PYMNTS Summer School Karen Webster Opening KeynotePYMNTS.com
While most retail spending still occurs at physical stores, mobile commerce is growing rapidly. New payment technologies aim to add value to the shopping experience rather than just change how consumers pay. However, introducing changes to entrenched consumer behaviors and expectations is challenging.
The document provides information on the Hispanic population and market in the Pacific Northwest region of the United States. It discusses:
1) The large and growing Hispanic population in the region, particularly in Washington and Oregon, with over 50% growth in Washington between 2000-2013 and 64% growth in Oregon between 2000-2010.
2) Spending power and retail spending of Hispanics in key metropolitan areas of the region, with Hispanic retail spending reaching hundreds of millions of dollars annually in Seattle, Portland, and Yakima.
3) The diverse acculturation levels of Hispanics in the region and considerations for businesses in marketing and communicating cross-culturally to the Hispanic population.
Type Discussion BoardUnit Societal ChangesDue Date Sun, 9.docxmarilucorr
This article discusses common mistakes made in interpreting statistics, including faulty survey design and misinterpreting correct data. It provides several examples: the 1936 US presidential election where the Literary Digest survey wrongly predicted the winner due to sampling bias; a misleading toothpaste ad claiming plaque reduction based on an unfair control group; a Volvo ad overstating car longevity through selective time framing; a flawed NY highway survey due to single-day sampling; and baseball salary averages obscuring median salaries. The author argues statistics can be distorted intentionally or unintentionally, so correct interpretation is important.
This document provides an overview of social media and its implications for business. It discusses key statistics about major social media platforms like Facebook, YouTube, and Twitter. It explains how social media has led to a social internet revolution with user-generated content and the power of crowds. The document also discusses why businesses should engage with social media for visibility, market research, and building trust. It provides examples of companies using social media creatively and outlines some risks if social media engagement goes wrong, such as the spread of misinformation.
While fewer people identify as "gamers", nearly half of Americans play video games and the average player is 35 years old. Perceptions that men play more than women are untrue, as both genders play in equal amounts. Video game sales have significantly increased over the past decade, reaching $24.5 billion in 2016, with three quarters of sales now coming from digital downloads and platforms rather than physical stores.
National Drink Wine Day survey results show:
- 51% of respondents prefer red wine, 23% white wine, and 14% other types of wine.
- Most wine is purchased at grocery stores (40%) or liquor/wine stores (37%).
- Wine drinkers are more likely to be married, aged 35-44, live in metro areas, have a higher income, and have a college degree.
This business briefing provides information for UK businesses seeking funding and support, including:
1) An upcoming event showcasing IoT innovations with discounted exhibition space and a pitching competition.
2) Details on several Innovate UK funding calls covering healthcare solutions in India, design innovation, infrastructure systems, and nuclear decommissioning.
3) Information on other funding opportunities from Horizon 2020, the Department for Transport, and Ufi for digital vocational learning.
PYMNTS Summer School Karen Webster Opening KeynotePYMNTS.com
While most retail spending still occurs at physical stores, mobile commerce is growing rapidly. New payment technologies aim to add value to the shopping experience rather than just change how consumers pay. However, introducing changes to entrenched consumer behaviors and expectations is challenging.
The document provides information on the Hispanic population and market in the Pacific Northwest region of the United States. It discusses:
1) The large and growing Hispanic population in the region, particularly in Washington and Oregon, with over 50% growth in Washington between 2000-2013 and 64% growth in Oregon between 2000-2010.
2) Spending power and retail spending of Hispanics in key metropolitan areas of the region, with Hispanic retail spending reaching hundreds of millions of dollars annually in Seattle, Portland, and Yakima.
3) The diverse acculturation levels of Hispanics in the region and considerations for businesses in marketing and communicating cross-culturally to the Hispanic population.
Type Discussion BoardUnit Societal ChangesDue Date Sun, 9.docxmarilucorr
This article discusses common mistakes made in interpreting statistics, including faulty survey design and misinterpreting correct data. It provides several examples: the 1936 US presidential election where the Literary Digest survey wrongly predicted the winner due to sampling bias; a misleading toothpaste ad claiming plaque reduction based on an unfair control group; a Volvo ad overstating car longevity through selective time framing; a flawed NY highway survey due to single-day sampling; and baseball salary averages obscuring median salaries. The author argues statistics can be distorted intentionally or unintentionally, so correct interpretation is important.
This document provides an overview of social media and its implications for business. It discusses key statistics about major social media platforms like Facebook, YouTube, and Twitter. It explains how social media has led to a social internet revolution with user-generated content and the power of crowds. The document also discusses why businesses should engage with social media for visibility, market research, and building trust. It provides examples of companies using social media creatively and outlines some risks if social media engagement goes wrong, such as the spread of misinformation.
The document discusses a study called the DrillDown that was conducted in Kansas City to more accurately estimate the population, income levels, and purchasing power in urban core areas. The DrillDown uses transactional data from multiple sources to provide information on a more granular level than census data alone. Key findings from the Kansas City DrillDown include estimated populations that are 10-30% higher than census data in many districts, as well as average household incomes that are 13-20% higher when the informal "cash" economy is included. The results have helped attract over $1 billion in new investment to various cities.
June 16th Presentation - Kansas City Urban Market Assetsnptech
The document discusses a DrillDown process conducted by the Social Compact nonprofit to more accurately estimate the population, income levels, and purchasing power in urban core areas. The DrillDown uses transactional data from various sources to provide a more detailed picture than Census data alone. It summarizes results from a DrillDown conducted in Kansas City, which found higher populations, incomes, and cash economies in the city and districts than Census estimates. The DrillDown aims to uncover hidden urban market assets to drive investment.
The document summarizes market data from two sites and discusses discrepancies between Census data and other sources of data for Kansas City, KS. It then describes the DrillDown method developed by Social Compact to provide more accurate population and economic data for urban neighborhoods using multiple transactional data sources. The DrillDown analysis found significantly higher populations and purchasing power than Census data for districts in Kansas City, KS and has led to over $1 billion in new investment in other cities.
Mla Essay Template Download - TranslationMonica Gero
The document provides instructions for requesting and completing an assignment writing request on the HelpWriting.net website. It outlines a 5-step process: 1) Create an account with an email and password. 2) Complete a 10-minute order form with instructions, sources, and deadline. 3) Review bids from writers and choose one. 4) Review the completed paper and authorize payment. 5) Request revisions to ensure satisfaction, with a refund option for plagiarized content.
Writing A Persuasive Research Paper - College HTracy Hill
The document discusses how Jean-Jacques Rousseau influenced the relationship between the state and individual during the French Revolution through his ideas expressed in works like The Social Contract. It argues his views that people should prioritize the general will of society over individual wills can be seen in Jacques-Louis David's painting The Oath of the Horatii, which depicts citizens sacrificing personal interests for the greater good of the state.
The document compares data between two neighborhoods, Neighborhood A and Neighborhood B. Neighborhood B has a larger population and more households. It also has greater buying power, with higher average and aggregate household incomes. Neighborhood B also shows greater market stability, with higher median home values and retail spending per acre.
The document then discusses Social Compact's analysis of over 300 undervalued neighborhoods across the country. It found these neighborhoods had larger populations, more households, and greater aggregate buying power compared to previous data. The neighborhoods also showed less risk and more stability.
Social Compact has developed tools to capture underserved market potential using data analysis. These tools include analyses of grocery demand, foreclosure
Interracial marriages have existed for years but faced societal difficulties. Attitudes toward them have changed dramatically as society has become more diverse. An interracial marriage is defined as a union between individuals from different racial/ethnic backgrounds. Defining interracial has been difficult as societal views have evolved.
12 Best Images Of Writing Peer Review Worksheet -Deb Birch
Here are the key points about onions' health benefits and beautifying properties:
- Onions contain compounds that have calming and anti-allergic effects. They can help reduce inflammation.
- Onions are rich in antioxidants and phytochemicals that may help prevent cancer. Studies show onions may protect against cancers of the digestive tract.
- Onions add flavor to dishes and aid digestion. Their high fiber content promotes healthy bowel movements.
- Applying onion juice or slices topically can treat acne, wounds, insect bites, and hair loss. Onions contain antibacterial compounds that fight infections.
- Massaging onion juice into the scalp may stimulate hair growth by improving blood circulation. On
How Condition Paper Generating Services Occupation - Essay GrammarJessica Huston
The document discusses the disability rights movement in the United States. It notes a key protest at Gallaudet University in 1988, where deaf students were able to get a deaf president selected after demonstrating for a week. This was a major victory that showed people with disabilities could create real change. The passage also mentions another important protest in 1990 where disabled activists crawled up the steps of the US Capitol to advocate for the passing of the Americans with Disabilities Act, which experienced delays due to opposition from public transit groups. Overall, the movement has made significant progress in disability rights and inclusion but still has more work to do.
Fundstrat Bitcoin & Blockchain presentation for Upfront SummitMark Suster
An equity analyst case for the value in cryptocurrencies. Thomas Lee of Fundstrat was lead equity researcher for JP Morgan before founding Fundstrat. He takes a market approach to valuing Bitcoin and other cryptocurrencies. Here is his presentation for the #UpfrontSummit 2018.
Bitcoin - Hard money you can't fuck with - Why bitcoin will be the next globa...Beta Eve - Crypto Trader
Bitcoin is hard money you can’t f--k with.
No one controls it. No governments, no companies, no central banks, no money printing. It’s a revolution as big as the internet. And it’s never been hacked.
Entrepreneur and investor Jason A. Williams is the first author to put bitcoin in the context of the 2020 crisis - a year of financial disaster and unprecedented money creation (money printer go brrr!).
Not only was bitcoin the best-performing asset on the planet in 2020, it quietly established itself as the next global reserve currency as central banks around the world desperately printed their money into oblivion.
Hard Money You Can’t F*ck With explains bitcoin in simple, understandable terms and maps out how this "magic internet money" will grow into the best form of money we’ve ever had.
What’s inside?
Part 1: "Why Bitcoin Matters Now"
What bitcoin is
Who created it
Why bitcoin is "money you can’t f--k with"
How bitcoin emerged out of the 2008 banking crisis
Why money printing slowly destroys your wealth
Part 2: "A Brief History of Money (and Money Printing)"
Take a step back and learn "what exactly is money"
Why "printing cash" has always led to the death of currency
Why bitcoin is the best form of money ever created
Part 3: "How Bitcoin Becomes the Next Global Reserve Currency"
A deep dive into the 2020 financial crisis and how bitcoin emerged strongest
The emergence of national digital currencies to compete.
Why some nation-states are now holding and trading in bitcoin
View more FREE Ebook about Blockchain, Cryptocurrency at my website: https://linktr.ee/betaeve
Donald Trump's use of social media in the 2016 US Presidential election transformed political campaigning into a "real time" endeavor. Through his core staff of 85 compared to Hillary Clinton's 600+, Trump drove engagement through platforms like Facebook, Twitter, and Reddit. Despite being outspent, Trump's message resonated more. Now, events have real-time impacts as crowdsourced activism and social media backlash can influence corporate decisions and consumer behavior within hours. Real-time data analytics and social physics modeling will continue shaping outcomes in business and politics.
Study of Retail Industry of United States of AmericaHitaishi Gupta
This document summarizes statistics about the retail industry in the United States. It provides data on the US GDP, population, and top cities by population. It also includes tables showing US retail statistics from 2006-2015, including retail sales as a percentage of private final consumption and GDP. Modern retail has been growing and now accounts for 85% of retail sales, compared to 15% for traditional retail. The US contributes 25% of global retail sales.
The document discusses Canada's universal healthcare system. It notes that healthcare services are privately delivered but publicly funded through taxes. All Canadian residents have access to medically necessary services without paying premiums or deductibles. However, there are sometimes long wait times for elective procedures due to limited resources. The system aims to provide basic care for all while managing costs, but some argue it is underfunded and causes delays.
The BIG Picture: Where does the market stand? Sarah GarrityInman News
This document provides an overview of the current state of the market and economy from various perspectives. It discusses that while each generation faces challenges, the US economy and stock market have continued to grow over the long run. It also summarizes perspectives on topics like overpopulation, the aging population, violence trends, the state of the American Dream, and signs that the current economy is not showing classic recession indicators. The overall message is that the long term trends reveal improving conditions for quality of life, education, and prosperity on a global scale.
Beauty School Scholarship Essay ExamplesCassie Rivas
The document discusses the pros and cons of manufacturing goods in America versus outsourcing overseas. Some benefits mentioned include easier communication without language barriers, supporting the US economy and job market, and reducing environmental impacts from long-distance shipping. Downsides include higher production costs and less flexibility in adjusting to changing market demands quickly. Overall, the document suggests that buying American-made goods can help small US manufacturers but comes with increased expenses.
1. The document outlines an advertising strategy for 1facewatch, a watch brand that donates proceeds to charity. It analyzes the market, competitors, and target millennial demographic.
2. The strategy is to create a social media campaign called "Change & Share" using the hashtag "#DoIt1FaceWay" to promote sharing photos of good deeds and driving traffic to 1facewatch's Facebook and Instagram pages.
3. The campaign will integrate Facebook and YouTube ads as well as transit advertising like subway stations to reach on-the-go millennials in key cities. Character stories and watches in 8 colors will represent 8 causes to generate buzz.
This document provides a bellringer quiz and lesson on economics topics such as GDP, types of taxes, unemployment rates, and economic indicators. It begins with a 7 minute bellringer quiz asking questions about income taxes, sales tax, liquidity, IRAs, richest person on the street, and predicting the largest economy. It then discusses microeconomics, macroeconomics, finance, and economic indicators like GDP, consumer prices, unemployment rate, budget balance, interest rates, and currency exchange. Several examples are provided to explain GDP calculation and components. The document concludes with assignments analyzing countries' GDP, GDP per capita, and The Economist economic indicators.
The document contains statistics from various sources about technology trends in 2013 including: 1) 13% of British citizens switching banks after technology failures; 2) $1.2 billion in Black Friday desktop ecommerce spending; and 3) 70% of parents buying tech gifts for the holidays.
PYMNTS.com X giving factoids November 27, 2013PYMNTS.com
According to data from Adobe Systems Inc, web sales for Thanksgiving are estimated to increase 21% from 2012. While consumers plan to spend less on Thanksgiving feasts, most will still shop during the Thanksgiving weekend, with over half shopping on Thanksgiving Day itself and over 40% shopping online. Many see the best deals that weekend but not until the weekend after Thanksgiving.
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The document discusses a study called the DrillDown that was conducted in Kansas City to more accurately estimate the population, income levels, and purchasing power in urban core areas. The DrillDown uses transactional data from multiple sources to provide information on a more granular level than census data alone. Key findings from the Kansas City DrillDown include estimated populations that are 10-30% higher than census data in many districts, as well as average household incomes that are 13-20% higher when the informal "cash" economy is included. The results have helped attract over $1 billion in new investment to various cities.
June 16th Presentation - Kansas City Urban Market Assetsnptech
The document discusses a DrillDown process conducted by the Social Compact nonprofit to more accurately estimate the population, income levels, and purchasing power in urban core areas. The DrillDown uses transactional data from various sources to provide a more detailed picture than Census data alone. It summarizes results from a DrillDown conducted in Kansas City, which found higher populations, incomes, and cash economies in the city and districts than Census estimates. The DrillDown aims to uncover hidden urban market assets to drive investment.
The document summarizes market data from two sites and discusses discrepancies between Census data and other sources of data for Kansas City, KS. It then describes the DrillDown method developed by Social Compact to provide more accurate population and economic data for urban neighborhoods using multiple transactional data sources. The DrillDown analysis found significantly higher populations and purchasing power than Census data for districts in Kansas City, KS and has led to over $1 billion in new investment in other cities.
Mla Essay Template Download - TranslationMonica Gero
The document provides instructions for requesting and completing an assignment writing request on the HelpWriting.net website. It outlines a 5-step process: 1) Create an account with an email and password. 2) Complete a 10-minute order form with instructions, sources, and deadline. 3) Review bids from writers and choose one. 4) Review the completed paper and authorize payment. 5) Request revisions to ensure satisfaction, with a refund option for plagiarized content.
Writing A Persuasive Research Paper - College HTracy Hill
The document discusses how Jean-Jacques Rousseau influenced the relationship between the state and individual during the French Revolution through his ideas expressed in works like The Social Contract. It argues his views that people should prioritize the general will of society over individual wills can be seen in Jacques-Louis David's painting The Oath of the Horatii, which depicts citizens sacrificing personal interests for the greater good of the state.
The document compares data between two neighborhoods, Neighborhood A and Neighborhood B. Neighborhood B has a larger population and more households. It also has greater buying power, with higher average and aggregate household incomes. Neighborhood B also shows greater market stability, with higher median home values and retail spending per acre.
The document then discusses Social Compact's analysis of over 300 undervalued neighborhoods across the country. It found these neighborhoods had larger populations, more households, and greater aggregate buying power compared to previous data. The neighborhoods also showed less risk and more stability.
Social Compact has developed tools to capture underserved market potential using data analysis. These tools include analyses of grocery demand, foreclosure
Interracial marriages have existed for years but faced societal difficulties. Attitudes toward them have changed dramatically as society has become more diverse. An interracial marriage is defined as a union between individuals from different racial/ethnic backgrounds. Defining interracial has been difficult as societal views have evolved.
12 Best Images Of Writing Peer Review Worksheet -Deb Birch
Here are the key points about onions' health benefits and beautifying properties:
- Onions contain compounds that have calming and anti-allergic effects. They can help reduce inflammation.
- Onions are rich in antioxidants and phytochemicals that may help prevent cancer. Studies show onions may protect against cancers of the digestive tract.
- Onions add flavor to dishes and aid digestion. Their high fiber content promotes healthy bowel movements.
- Applying onion juice or slices topically can treat acne, wounds, insect bites, and hair loss. Onions contain antibacterial compounds that fight infections.
- Massaging onion juice into the scalp may stimulate hair growth by improving blood circulation. On
How Condition Paper Generating Services Occupation - Essay GrammarJessica Huston
The document discusses the disability rights movement in the United States. It notes a key protest at Gallaudet University in 1988, where deaf students were able to get a deaf president selected after demonstrating for a week. This was a major victory that showed people with disabilities could create real change. The passage also mentions another important protest in 1990 where disabled activists crawled up the steps of the US Capitol to advocate for the passing of the Americans with Disabilities Act, which experienced delays due to opposition from public transit groups. Overall, the movement has made significant progress in disability rights and inclusion but still has more work to do.
Fundstrat Bitcoin & Blockchain presentation for Upfront SummitMark Suster
An equity analyst case for the value in cryptocurrencies. Thomas Lee of Fundstrat was lead equity researcher for JP Morgan before founding Fundstrat. He takes a market approach to valuing Bitcoin and other cryptocurrencies. Here is his presentation for the #UpfrontSummit 2018.
Bitcoin - Hard money you can't fuck with - Why bitcoin will be the next globa...Beta Eve - Crypto Trader
Bitcoin is hard money you can’t f--k with.
No one controls it. No governments, no companies, no central banks, no money printing. It’s a revolution as big as the internet. And it’s never been hacked.
Entrepreneur and investor Jason A. Williams is the first author to put bitcoin in the context of the 2020 crisis - a year of financial disaster and unprecedented money creation (money printer go brrr!).
Not only was bitcoin the best-performing asset on the planet in 2020, it quietly established itself as the next global reserve currency as central banks around the world desperately printed their money into oblivion.
Hard Money You Can’t F*ck With explains bitcoin in simple, understandable terms and maps out how this "magic internet money" will grow into the best form of money we’ve ever had.
What’s inside?
Part 1: "Why Bitcoin Matters Now"
What bitcoin is
Who created it
Why bitcoin is "money you can’t f--k with"
How bitcoin emerged out of the 2008 banking crisis
Why money printing slowly destroys your wealth
Part 2: "A Brief History of Money (and Money Printing)"
Take a step back and learn "what exactly is money"
Why "printing cash" has always led to the death of currency
Why bitcoin is the best form of money ever created
Part 3: "How Bitcoin Becomes the Next Global Reserve Currency"
A deep dive into the 2020 financial crisis and how bitcoin emerged strongest
The emergence of national digital currencies to compete.
Why some nation-states are now holding and trading in bitcoin
View more FREE Ebook about Blockchain, Cryptocurrency at my website: https://linktr.ee/betaeve
Donald Trump's use of social media in the 2016 US Presidential election transformed political campaigning into a "real time" endeavor. Through his core staff of 85 compared to Hillary Clinton's 600+, Trump drove engagement through platforms like Facebook, Twitter, and Reddit. Despite being outspent, Trump's message resonated more. Now, events have real-time impacts as crowdsourced activism and social media backlash can influence corporate decisions and consumer behavior within hours. Real-time data analytics and social physics modeling will continue shaping outcomes in business and politics.
Study of Retail Industry of United States of AmericaHitaishi Gupta
This document summarizes statistics about the retail industry in the United States. It provides data on the US GDP, population, and top cities by population. It also includes tables showing US retail statistics from 2006-2015, including retail sales as a percentage of private final consumption and GDP. Modern retail has been growing and now accounts for 85% of retail sales, compared to 15% for traditional retail. The US contributes 25% of global retail sales.
The document discusses Canada's universal healthcare system. It notes that healthcare services are privately delivered but publicly funded through taxes. All Canadian residents have access to medically necessary services without paying premiums or deductibles. However, there are sometimes long wait times for elective procedures due to limited resources. The system aims to provide basic care for all while managing costs, but some argue it is underfunded and causes delays.
The BIG Picture: Where does the market stand? Sarah GarrityInman News
This document provides an overview of the current state of the market and economy from various perspectives. It discusses that while each generation faces challenges, the US economy and stock market have continued to grow over the long run. It also summarizes perspectives on topics like overpopulation, the aging population, violence trends, the state of the American Dream, and signs that the current economy is not showing classic recession indicators. The overall message is that the long term trends reveal improving conditions for quality of life, education, and prosperity on a global scale.
Beauty School Scholarship Essay ExamplesCassie Rivas
The document discusses the pros and cons of manufacturing goods in America versus outsourcing overseas. Some benefits mentioned include easier communication without language barriers, supporting the US economy and job market, and reducing environmental impacts from long-distance shipping. Downsides include higher production costs and less flexibility in adjusting to changing market demands quickly. Overall, the document suggests that buying American-made goods can help small US manufacturers but comes with increased expenses.
1. The document outlines an advertising strategy for 1facewatch, a watch brand that donates proceeds to charity. It analyzes the market, competitors, and target millennial demographic.
2. The strategy is to create a social media campaign called "Change & Share" using the hashtag "#DoIt1FaceWay" to promote sharing photos of good deeds and driving traffic to 1facewatch's Facebook and Instagram pages.
3. The campaign will integrate Facebook and YouTube ads as well as transit advertising like subway stations to reach on-the-go millennials in key cities. Character stories and watches in 8 colors will represent 8 causes to generate buzz.
This document provides a bellringer quiz and lesson on economics topics such as GDP, types of taxes, unemployment rates, and economic indicators. It begins with a 7 minute bellringer quiz asking questions about income taxes, sales tax, liquidity, IRAs, richest person on the street, and predicting the largest economy. It then discusses microeconomics, macroeconomics, finance, and economic indicators like GDP, consumer prices, unemployment rate, budget balance, interest rates, and currency exchange. Several examples are provided to explain GDP calculation and components. The document concludes with assignments analyzing countries' GDP, GDP per capita, and The Economist economic indicators.
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The document contains statistics from various sources about technology trends in 2013 including: 1) 13% of British citizens switching banks after technology failures; 2) $1.2 billion in Black Friday desktop ecommerce spending; and 3) 70% of parents buying tech gifts for the holidays.
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where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the what'sapp contact of my personal pi merchant to trade with
+12349014282
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic DataChampak Jhagmag
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financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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3. 3
Over $4.1 trillion in total retail spend
= $103 million
Over13 million US card accepting
locations
= 1 million
Source: US Census, Digital Transactions
4. 4
Shopping is the great American
pastime
1
Most spending still happens at physical
stores
2
Introducing new ways to pay is hard3
5. 5
Mobile Influenced Store Sales
Sales USD Billions
eCommerce
Sales
In-Store Sales
mCommerce
Sales
2012 2016
12
31
158
689
226
327
Source: Deloitte Digital
Add value to how we buy, not just change the way we
8. 8
0%
5%
10%
15%
20%
25%
30%
1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940
Unemployment in the 1930s
1930s Today
Source: Stanley Lebergott, Manpower in Economic Growth: The American Record since 1800
Good afternoon and welcome to PYMNTS Summer School Class of 2013 … My job is to provide just the right context for these next two days… And since it is Summer … I thought I would start us off on the right footing, By talking about the great American past-time.
Shopping. Yes, I know….you were all ready for me to say Baseball esp since the Sox are in first place. But, I am happy to say that it’s shopping. As it should be. There are only 30 Major League Baseball stadiums in the US and only about 160 or so times between April and early October that a person who even likes baseball enough to go to a game can actually go to a game Shopping, on the other hand, is the universal sport. Everyone can do it and it’s something that can be done in a whole lot more than 30 locations And thank goodness much more frequently than half the year.
In fact, in the US , you can do it at one of more than 13 million physical merchant locations Those retail locations collectively drive about 95% of total retail spend -- some $4 trillion dollars in 2012 -- And occupy more than 14.5 billion square feet of physical space. To put that in perspective, Occupy Retail, those 14.5 billion square feet is how much you’d need if you wanted to line up all 7 billion people in the world shoulder to shoulder.
So, see, we are already adding tons of value … In less than two minutes into your Summer School experience, you now know three things: That shopping is, in fact, the great American Past-time, it simply has to be to support all of that physical real estate – and spending, Why there’s such an obsession with introducing mobile devices into the physical shopping environment - since it is where the vast majority of spending still happens in the US Why it is incredibly challenging to introduce a new way to transact – there are simply millions and millions of retail storefronts and hundreds of millions of people who all interact using payment methods and devices that have been in place for decades and that everyone is familiar with and comfortable using ….. And, therein lies the biggest opportunity and obstacle for everyone in this room – Using mobile not just to change the way we pay but to add value to how we buy ….
Sure, payments is incredibly important After all, it is how merchants get paid for their services, But it can’t and shouldn’t drive the entire discussion about mobile payments, much less a mobile payments strategy. I’d go so far as to say that being so focused on using phones instead of cards to make a payment at the physical point of sale is why mobile payments has been such a slog. Payment comes at the end of the buying experience. And using a card at that point in the buying process works just fine not to mention a habit that has been formed over the last forty or so years. So, that’s why we’ve focused Summer School not on mobile payments, but on something much broader and much more strategic and much more disruptive and much harder… but ultimately much more valuable and profitable. Using technology and mobile devices to make the buying experience much richer for consumers and merchants. ………And giving consumers a reason to want to break their old payments habits because it becomes part of a much more valuable buying experience.
And, that’s Mobile Commerce. Over the next two days, we’re going to share what we think is the essential fact base about the payments and mobile and commerce ecosystems. So that you understand how they work and who’s using them And where the points of friction and opportunity are
But to start, I want to focus your thinking on something that I think is also fundamental to this discussion – and that is how we buy today. And to do that, I’d like to go back to the 1950’s – the decade when the shopping experience as we know it today developed, In fact, really ignited and our shopping habits were formed. For many of you sitting in this room, the 1950s is ancient history. Amazingly, it’s only about 6 decades ago. Yes, there were actually cars then! But it produced a bunch of payments and shopping innovation that’s pretty important to examine if your goal is to add value to - or even change - the shopping habits that were formed some 60+ years ago
The 1950s was called the age of consumerism And boy, oh boy were Americans ready to buy. The average adult in the 1950s probably didn’t grow up with a lot of stuff. They were born in the 1930s when the economy was in shambles, unemployment was sky high and most people couldn’t afford much beyond the basics, unless their parents hadn’t been wiped out in the 1929 crash. They came of age during WWII – in the 1940s - when consumer goods were rationed –everything from sugar to gasoline to tires to nylon stockings was in short supply At the same time, much of the nation's productive capacity shifted to things related to the war and not to the things that the average consumer wanted to buy.
So, when the war ended and the soldiers came home and went to work producing the goods that people could buy and people had money to spend, spend they did. The GNP during the decade of the 1950s doubled and the economy boomed.
This pent up demand and new post war prosperity lead to a shopping innovation that is now very familiar to us and even has an online analogue – the shopping mall. Even though the first shopping mall opened in Kansas City MO in 1922, there’s the Country Club Plaza it wasn't until the 1950s that malls began to emerge in abundance in the suburbs where populations were then shifting.
Before then, shopping was done at local merchants. Most of those stores had more or less the same layout, one central aisle, with shelves and drawers going to the ceiling along the walls. There weren’t shopping carts to push around. A clerk always took your requests and brought you what you wanted. If you were a regular customer, the store clerk probably even knew you by name and maybe even what you wanted and had it waiting for you on your usual shopping day. Many of them had a charge account for you that you paid in full, without interest, according to a schedule that you and that merchant agreed was fair. But to do all of your shopping, you had to go to multiple stores across town and it was time consuming, especially when you didn’t have a car, which most people didn’t, and so was considered a real chore.
What made shopping even more efficient was having a number of ways to pay for the things that consumers wanted to buy. As you all know well, the introduction of the charge card in the 1950’s and the credit card that followed over the next two decades, allowed people to use a single card to buy things at a variety of merchants and even to finance those purchases using those cards. The innovation that we know called the charge and credit cards were important innovations for three very important reasons:Merchants no longer had to take the risk for repayment, Merchants could outsource credit operations to others who could do it more efficiently and cheaper. Consumers weren’t restricted to buying things using only the money they had in their pockets at the time, Even though people continued to use “store accounts” to pay for their purchases in the 1950s, the shopping mall fueled their appetite for shopping and spending exploded. By the end of the 1950’s, Americans made up 6% of the world's population, but consumed 1/3 of all the world's goods and services. And just who made those purchases? ‘
Women. It is estimated that 80 to 90% of the shopping and spending was done by women in the 1950s. And women not only bought things, but even influenced big ticket purchases such as cars, TVs, and appliances. And ties – no wonder men looked so good in the 1950s! That’s why Don Draper and the advertising Mad Men of the 50’s and 60’s directed their craft to women. 100% of the shopping was done in a physical store, influenced by ads targeted to women, and enabled by sales clerks whose job was to provide enough information – and personal service - to close the sale.
Now, let’s fast forward 60 years … a few million more people and merchants later. Some things haven’t changed much. The majority of spend still happens in a physical store. Like 95% of it. And in spite of the massive number of smart mobile devices and tablets, people still seem to like it that way. Two different studies of shoppers actually concluded that even though today’s consumers take their mobile devices everywhere, and even use them to shop online, they still like going to a physical store to buy.
That’s not to say that mobile doesn’t play a role in the 2013 shopping experience. It does, but it hasn’t cannibalized bricks and mortar in any material way just yet. But, what it has done is make the in store buying process more efficient. A recent Accenture study reported that 88% of consumers who bought in stores actually looked up products first online, then went to the store to make the purchase. Even teens, 95% of whom have mobile phones, still prefer to shop in physical stores .
As for showrooming, which as we all know is the dark side of how consumers use their devices to shop .. sure it happens, and in some categories, like electronics more than others. But according to a recent PwC study only 2% of all shoppers actually showroom, that is, actually walk into a physical store to buy an item only to buy the same merchandise from a competing online retailer via their mobile device while in the store. Turns out that most consumers are using their mobile devices in a store to look at product reviews, recommendations and then buying in that store. Why? Well, surprise, surprise, the shopping innovations introduced some 60 years ago still motivates the buying process for people today - --the ability to actually touch and feel what they are buying before they buy it. --and the chance to have personal service delivered by knowledgeable sales people during the buying experience.
And, just like the 1950s, women still dominate the spending and influence purchasing. In 2012, women accounted for 85% of all consumer purchases including everything from autos to health care. They made more than 50% of all new car purchases and influenced 80% of all automobile purchases. They make more trips to the grocery, drug, department and discount stores and spend more there than their male counterparts, about $4.00 more each trip on average. And, the older the woman, the more spending they control. Women age 50 and older are the healthiest, wealthiest and most active generation of women in history, have a net worth of $19 trillion and own more than three-fourths of the nation’s financial wealth. Since they’ll likely outlive their partners, they stand to benefit from the largest transfer of wealth in our history and will continue to drive spending well into their senior years.
Consumers also like the personal attention and experience that comes with buying in stores. It’s why loyalty and membership programs are so popular – it’s how consumers are “recognized” as being special and how they get special benefits for being loyal. Consumers want merchants to know what they like and when what they like is going to be on sale. And, they willingly give up information in order to benefit from that experience. Shopping is still social but with a high tech flair Online Social networks influence preference and purchase Facebook makes it easy to query friends on the must have back to school items, or what to get grandma for her 75th birthday. And PINTEREST Pins increasingly drive people to stores in search of the stuff that their friends and the people they follow have said they liked.
Sadly, though for mobile payments pioneers, using a card to pay at the physical checkout, also still rules. Only 5% of all smartphone users have said that they have ever used their phones to pay for something at a physical merchant – And, I will bet that most of those transactions happened at Starbucks. What they do use is a card, and they like it that way. Everyone knows what to do with a card at checkout .. merchants and consumers both. Pull out card, swipe, sign or put in PIN – and away they go. Swapping out a phone for a card just for the sake of paying creates more friction than value.
Now, here’s one place where things may be a little different than the 1950s .. what payment method use at checkout. People clearly use less cash and check, but seem to have put the brakes on using credit. The financial crisis has put a crimp on the ability for many people to access and even want to use credit. Debit rules – people now prefer spending what they have in their pockets – unlike the consumers in the 1950s. And, the notion of credit with a merchant – which today we call store cards, that isn’t what it was either. Only a small percent of all retail spending goes on store cards .
So, just to put a bow on this 1950 – 2013 shopping history lesson …. People still like to shop in stores They like being able to see and feel and touch things before they buy them. They still value personal service and being recognized as a loyal and valued customer They like the benefits of status - of being a “regular” which often includes getting access to special offers and special services – That not only reward them for being loyal but saves them time and money. Oh, and of course, they like – no, they expect - being able to use their payment method of choice at checkout at the merchants they buy from.
But the great opportunity is to use mobile devices, to take what consumers and merchants both value most about the shopping experience to an entirely new level. So, what if the mobile devices could become a personal shopping assistant and aggregate “favorites” into a shopping list that made it easy to be reminded when it’s time to buy more or when things that are on wish lists are in stock or on sale? Or let consumers know before they walk into the store whether the item they see in a store window is in stock in their sizeOr recommend products that go with things that they already purchased ?; Or avoided standing in lines in the stores by paying online first and picking up in store later, Or helped sales people recognize high value shoppers when they walk into their store so that their preferences can be flagged and experience more tailored to both their preferences and the merchandise in the store? Or aggregate loyalty and membership information so that consumers don’t have to be the ones to remember it all in order to get their discounts.Or curate and serve relevant offers based on where consumers happen to be and what they like to do and buy so that when they’re in a new place, they can actually discover new places and new opportunities, based on their own buying patterns and preferences? Oh, and did I mention .. about being able to use the method of payment they want to use in a simple and frictionless way.
So the subtle but important insight here is that the power and potential of mobile commerce isn’t about changing the way people pay, but how they buy – how they interact with merchants. So that mobile can elevate the relationship and the interaction in new and meaningful ways
In closing, there are two things that history can tell us about the mobile commerce future that lies before us. The consumer’s expectations of the shopping experience has changed very little over the last 60 years. Habits, particularly payments habits, take a long time to change. It took more than 30 years for debit to reach 50% of spend in the US. And 14 for eCommerce to capture 5% of spend. 11 years for prepaid to barely even register as a payment method. Sixty years and nearly several hundred million smart mobile handsets later, we’re all still so used to seeing and touching the things we want to buy before we buy them. Not everything we buy , but the vast majority of things that we spend the vast majority of our money on..
A lot of the things I mentioned earlier is starting to happen in small ways by some of the innovators in this space and in this room. Mobile is making it possible for every physical interaction to have an online component, blurring the boundaries between on and offline transacting. And creating opportunities for everyone in this room. Over the next two days, you’ll hear from the best and brightest in mobile commerce – Those whose are on the forefront of making this on and offline convergence a reality for merchants and consumers. What you’ll then be left to decide is how to leverage your assets in order to change the way people buy not simply how they pay. That’s still going to be pretty hard, , but as one of the greatest innovators of all times, Thomas Edison, said, “Opportunity not only looks like work, it is work.” Speaking of work, lets get down to it now!