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John-Egan-The-Future-Of-Banking.Pdf
THE NEW NORMAL THE FUTURE OF BANKING @IAMJOHNEGAN DESIGN & ILLUSTRATION : WWW.JACQUIFERNS.COM Contents: INTRODUCTION 3 Price Line – Name Your Own Price Bank Groupon – The Daily Deals Bank Chapter 1 5 Amazon – The River Bank The Future of Banking Part 1: What is Banking? McDonalds BankBurglar The Impact of Technology PlayStation’s PayStation Walmart’s Moneymart Chapter 2 11 Mad-Bids The Future of Banking Part 2: The Calamity, the Collapse & the Cause Raffle Bank What the Banking Sector can learn from the Music Industry E-Bay’s E-Bank Chapter 3 21 AirBnB’s MoneyBnB The Future of Banking Part 3: The Future of Banks & Faster Horses Quirky Case for Open Innovation Flattr – Complimentary Banking Chapter 4 33 About The Author 69 The Future of Banking Part 4: New World Order Adjacent Industries - the bleeding edge of innovation - the force that pulls Start-ups – the bleeding edge of trends - the force that pushes Conventional Banks - the edge that’s bleeding– the force that’s moved Chapter 5 43 Smart Banks The Apple iBank Google – Android’s Piggybank Intelligent Data at the Goople Banks Can convention compete with progress? Networked Banking; the only choice Chapter 6 53 The Save your Bank Playbook – Save your Bank in 10 simple steps Chapter 7 55 Bank Labs – Banking Business Models for Model Banks Ryanair – The Low cost Bank Zynga-The Bank Addict Match.com Betfair The IKEA FlatBank INTRODUCTION community but mostly from adjacent industries. Those banks who survive will be entirely different entities. We will witness the rise of the Networked Bank, the rise of the platform, the THE FUTURE OF BANKING INTRODUCTION rise of the user and ultimately, the accelerated demise of the traditional notion of Banks and Banking. -
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Proceedings of the Fifteenth International AAAI Conference on Web and Social Media (ICWSM 2021) A Large Open Dataset from the Parler Social Network Max Aliapoulios1, Emmi Bevensee2, Jeremy Blackburn3, Barry Bradlyn4, Emiliano De Cristofaro5, Gianluca Stringhini6, Savvas Zannettou7 1New York University, 2SMAT, 3Binghamton University, 4University of Illinois at Urbana-Champaign, 5University College London, 6Boston University, 7Max Planck Institute for Informatics [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected] Abstract feasible in technical terms to create a new social media plat- Parler is as an “alternative” social network promoting itself form, but marketing the platform towards specific polarized as a service that allows to “speak freely and express yourself communities is an extremely successful strategy to bootstrap openly, without fear of being deplatformed for your views.” a user base. In other words, there is a subset of users on Twit- Because of this promise, the platform become popular among ter, Facebook, Reddit, etc., that will happily migrate to a new users who were suspended on mainstream social networks platform, especially if it advertises moderation policies that for violating their terms of service, as well as those fearing do not restrict the growth and spread of political polariza- censorship. In particular, the service was endorsed by several tion, conspiracy theories, extremist ideology, hateful and vi- conservative public figures, encouraging people to migrate olent speech, and mis- and dis-information. from traditional social networks. After the storming of the US Capitol on January 6, 2021, Parler has been progressively de- Parler. -
Moneylab Reader: an Intervention in Digital Economy
READER A N INTERVENTION IN DIGITAL ECONOMY FOREWORD BY SASKIA SASSEN EDITED BY GEERT LOVINK NATHANIEL TKACZ PATRICIA DE VRIES INC READER #10 MoneyLab Reader: An Intervention in Digital Economy Editors: Geert Lovink, Nathaniel Tkacz and Patricia de Vries Copy editing: Annie Goodner, Jess van Zyl, Matt Beros, Miriam Rasch and Morgan Currie Cover design: Content Context Design: Katja van Stiphout EPUB development: André Castro Printer: Drukkerij Tuijtel, Hardinxveld-Giessendam Publisher: Institute of Network Cultures, Amsterdam, 2015 ISBN: 978-90-822345-5-8 Contact Institute of Network Cultures phone: +31205951865 email: [email protected] web: www.networkcultures.org Order a copy or download this publication freely at: www.networkcultures.org/publications Join the MoneyLab mailing list at: http://listcultures.org/mailman/listinfo/moneylab_listcultures.org Supported by: Amsterdam University of Applied Sciences (Hogeschool van Amster- dam), Amsterdam Creative Industries Publishing and the University of Warwick Thanks to everyone at INC, to all of the authors for their contributions, Annie Goodner and Morgan Currie for their copy editing, and to Amsterdam Creative Industries Publishing for their financial support. This publication is licensed under Creative Commons Attribution NonCommercial ShareAlike 4.0 Unported (CC BY-NC-SA 4.0). To view a copy of this license, visit http://creativecommons.org/licenses/by-nc-sa/4.0/. EDITED BY GEERT LOVINK, NATHANIEL TKACZ AND PATRICIA DE VRIES INC READER #10 Previously published INC Readers The INC Reader series is derived from conference contributions and produced by the Institute of Network Cultures. They are available in print, EPUB, and PDF form. The MoneyLab Reader is the tenth publication in the series. -
Vincenzo Morabito
Vincenzo Morabito Trends and Challenges in Digital Business Innovation Trends and Challenges in Digital Business Innovation Vincenzo Morabito Trends and Challenges in Digital Business Innovation 123 Vincenzo Morabito Department of Management and Technology Bocconi University Milan Italy ISBN 978-3-319-04306-7 ISBN 978-3-319-04307-4 (eBook) DOI 10.1007/978-3-319-04307-4 Springer Cham Heidelberg New York Dordrecht London Library of Congress Control Number: 2013958136 Ó Springer International Publishing Switzerland 2014 This work is subject to copyright. All rights are reserved by the Publisher, whether the whole or part of the material is concerned, specifically the rights of translation, reprinting, reuse of illustrations, recitation, broadcasting, reproduction on microfilms or in any other physical way, and transmission or information storage and retrieval, electronic adaptation, computer software, or by similar or dissimilar methodology now known or hereafter developed. Exempted from this legal reservation are brief excerpts in connection with reviews or scholarly analysis or material supplied specifically for the purpose of being entered and executed on a computer system, for exclusive use by the purchaser of the work. Duplication of this publication or parts thereof is permitted only under the provisions of the Copyright Law of the Publisher’s location, in its current version, and permission for use must always be obtained from Springer. Permissions for use may be obtained through RightsLink at the Copyright Clearance Center. Violations are liable to prosecution under the respective Copyright Law. The use of general descriptive names, registered names, trademarks, service marks, etc. in this publication does not imply, even in the absence of a specific statement, that such names are exempt from the relevant protective laws and regulations and therefore free for general use. -
Chasing Talent KBS Explores the Surge of Companies Seeking to Locate Near the Best Talent Pools in the Country
2020 ISSUE Chasing Talent KBS explores the surge of companies seeking to locate near the best talent pools in the country. PAGE 16 Power On! An exclusive interview with one of basketball’s greatest all-time scorers, Dirk Nowitzki and his wife Jessica. PAGE 20 What’s Inside: Importance of Branding What Gen Z Wants Stress Free Offices Tenant Profiles: MedtoMarket and FP1 Strategies Market Spotlight: Nashville GTLAW.COM Helping clients identify opportunity and manage risk. With over five decades of business- driven legal experience and more than 400 real estate attorneys from around the world, serving clients from key markets in the United States, Europe, the Middle East, and Latin America. GREENBERG TRAURIG, LLP | ATTORNEYS AT LAW | 2100 ATTORNEYS | 41 LOCATIONS WORLDWIDE° Bruce Fischer | Chair, West Coast Real Estate Practice WORLDWIDE LOCATIONS Co-Managing Shareholder, Orange County 18565 Jamboree Road | Suite 500 | Irvine, CA 92612 | | 949.732.6500 United States Greenberg Traurig, LLP GreenbergTraurig, LLP GT_Law GT_Law Europe Middle East The hiring of a lawyer is an important decision and should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and our experience. Prior results do not guarantee a similar outcome. Asia Greenberg Traurig is a service mark and trade name of Greenberg Traurig, LLP and Greenberg Traurig, P.A. ©2018 Greenberg 2 Traurig, LLP. Attorneys at Law. All rights reserved. Attorney advertising. °These numbers are subject to fluctuation. Images in this PREMIER OFFICE MAGAZINE advertisement do not depict Greenberg Traurig attorneys, clients, staff or facilities. 33268 Latin America Letter from the CEO he year 2020 will close out the second decade of the T21st Century. -
13-0909 PPS Education Facilities Vision Document FINAL.Indd
Education Facilities Vision Portland Public Schools | Portland, Oregon September 9, 2013 "It’s a pivotal moment for our schools and our community. A thriving city depends on a strong public school system. This bond offers us an opportunity to not just redesign and rebuild outdated schools, but to reimagine and redefi ne the education that happens inside them. We heard the feedback in voices and languages that represent many of Portland’s diverse communities. People want schools that are safer, more inclusive and more fl exible than they are today. They want learning spaces that spur greater collaboration and stronger relationships between students and teachers. They want classrooms that inspire creativity and innovation, and give students a chance to engage new technology. They want schools that welcome the community and build partnerships that help students explore the world outside the school." Carole Smith, Superintendent Portland Public Schools May 28, 2013 PPS Vision Summit Table of Contents Executive Summary 1 Community Engagement Process and Participants 3 Facilities Vision Themes 14 Closing Summary 27 Appendices Community Conversation Notes 28 Online Survey Summary 99 Background, History and Context for Current Visioning 101 & Ed Spec Work PORTLAND PUBLIC SCHOOLS | PORTLAND, OREGON EDUCATIONAL FACILITIES VISIONING EXECUTIVE SUMMARY PPS FACILITIES VISION STATEMENT Portland Public Schools seeks to be the best urban school district in this country. In the 21st century, learning takes place everywhere, all the time, and buildings play a critical supporting role in ensuring all of our students emerge as lifelong learners ready for the world that awaits them. We seek to create learning environments that nurture, inspire and challenge all students, regardless of race or class. -
La Publicidad En La Creación Y Fortalecimiento De La Imagen Corporativa Y De La Reputación
Facultad de Ciencias de la Comunicación Universidad Rey Juan Carlos La publicidad en la creación y fortalecimiento de la Imagen Corporativa y de la reputación Análisis de la Imagen de Marca de Red Bull Resumen: Estudio teórico sobre la Imagen y Comunicación Corporativa. Observación de las estrategias de marketing y comunicativas para la creación de la Imagen Corporativa y estudio de su impacto en el público. Análisis de la estrategia marketing de Red Bull e investigación sobre su Imagen de Marca. TRABAJO FIN DE GRADO Autor: Edgar Alvarez González Director: Maximiliano Fernández Fernández Grado en Comunicación Audiovisual Curso: 2013/2014 – convocatoria: noviembre Facultad de Ciencias de la Comunicación Universidad Rey Juan Carlos Autor: Edgar Álvarez González. Director: Maximiliano Fernández Fernández La publicidad en la creación y fortalecimiento de la Imagen Corporativa y de la reputación Análisis de la Imagen de Marca de Red Bull “El convencimiento racional por si mismo no genera acción en el ser humano. Se necesita el impulso de las emociones para decidirnos a dar un paso.” (Costa, 2004: 13) -2- Facultad de Ciencias de la Comunicación Universidad Rey Juan Carlos Autor: Edgar Álvarez González. Director: Maximiliano Fernández Fernández La publicidad en la creación y fortalecimiento de la Imagen Corporativa y de la reputación Análisis de la Imagen de Marca de Red Bull ÍNDICE 1. INTRODUCCIÓN 5 1.1. Elección y planteamiento del tema 5 1.2. Interés científico 6 1.3. Interés social 6 1.4. Objeto de estudio 7 1.5. Metodología 8 1.6. Fuentes 9 1.7. Estado de la cuestión 10 1.8. -
The Role Identity Plays in B-Ball Players' and Gangsta Rappers
Vassar College Digital Window @ Vassar Senior Capstone Projects 2016 Playin’ tha game: the role identity plays in b-ball players’ and gangsta rappers’ public stances on black sociopolitical issues Kelsey Cox Vassar College Follow this and additional works at: https://digitalwindow.vassar.edu/senior_capstone Recommended Citation Cox, Kelsey, "Playin’ tha game: the role identity plays in b-ball players’ and gangsta rappers’ public stances on black sociopolitical issues" (2016). Senior Capstone Projects. 527. https://digitalwindow.vassar.edu/senior_capstone/527 This Open Access is brought to you for free and open access by Digital Window @ Vassar. It has been accepted for inclusion in Senior Capstone Projects by an authorized administrator of Digital Window @ Vassar. For more information, please contact [email protected]. Cox playin’ tha Game: The role identity plays in b-ball players’ and gangsta rappers’ public stances on black sociopolitical issues A Senior thesis by kelsey cox Advised by bill hoynes and Justin patch Vassar College Media Studies April 22, 2016 !1 Cox acknowledgments I would first like to thank my family for helping me through this process. I know it wasn’t easy hearing me complain over school breaks about the amount of work I had to do. Mom – thank you for all of the help and guidance you have provided. There aren’t enough words to express how grateful I am to you for helping me navigate this thesis. Dad – thank you for helping me find my love of basketball, without you I would have never found my passion. Jon – although your constant reminders about my thesis over winter break were annoying you really helped me keep on track, so thank you for that. -
Social Media, Development and Governance Academy of ICT Essentials for Government Leaders
Academy of ICT Essentials for Government Leaders Social Media, Development and Governance Academy of ICT Essentials for Government Leaders Social Media, Development and Governance This work is available open access by complying with the Creative Commons license created for inter-governmental organizations, available at: http://creativecommons.org/licenses/by/3.0/ igo/ Publishers must remove the United Nations emblem from their edition and create a new cover design. Translations must bear the following disclaimers: “The present work is an unofficial translation for which the publisher accepts full responsibility.” Publishers should email the file of their edition to [email protected] Photocopies and reproductions of excerpts are allowed with proper credits. Disclaimers: The views expressed herein are those of the authors, and do not necessary reflect the views of the United Nations. This publication has been issued without formal editing, and the designations employed and material presented do not imply the expression of any opinion whatsoever on the part of the Secretariat of the United Nations concerning the status of any country, territory, city or area, or of its authorities, or concerning the delimitation of its frontiers or boundaries. Mention of firm names and commercial products does not imply the endorsement of the United Nations. This publication may be reproduced in whole or in part for educational or non-profit purposes without special permission from the copyright holder, provided that the source is acknowledged. APCICT would appreciate receiving a copy of any publication that uses this publication as a source. No use may be made of this publication for resale or any other commercial purpose whatsoever without prior permission. -
Payments Insights
#payments insights. opinions. Volume 17 Payments innovation supercharges FinTech adoption Driven by vertiginous One in three digitally active individuals globally are now regular users of FinTech according to the EY FinTech Adoption Index 2017. We now define mobile and online » 1 this as an “early majority” and in our thinking about the future of the penetration rates that sector, FinTech in the mainstream is no longer a speculative scenario. In are redefining the “normal” fact, the figures show a doubling of adoption in the past 18 months; curve of technology moreover, the countries and segments that were leading the pack in our adoption, markets such 2015 study have only accelerated. as India and China are Undoubtedly, the service that supports the fastest rate of adoption is at the forefront of FinTech money transfer and payments, with our detailed survey of more than adoption. 22,000 people in 20 markets showing that half of those surveyed use these services and 88% anticipate doing so in the future. Continued on page 3 1 Everett M. Rogers, Diffusion of Innovations (Free Press, 5th edition, 2003). Editorial Payments innovation 3 supercharges FinTech adoption Payments-related innovation is driving FinTech towards mainstream adoption — with China at the forefront. Will biometrics finally replace 6 passwords? Biometric authentication is becoming mainstream for mobile devices — we analyze its future potential for the world of payments. Dear readers, As an American payments professional, one of my favorite Considerations for a real-time 10 payments strategy questions about the US payment system is, “Why doesn’t the US Real-time payments: the need for payment system behave like all the others?” This question is a holistic strategy. -
2017 NBA Summer League Cox Pavillion/Thomas & Mack Center Las Vegas, Nevada July 7-17, 2017
LOS ANGELES LAKERS 2017 SUMMER LEAGUE ROSTER NO NAME POS HT WT DOB PRIOR TO NBA / COUNTRY YRS LAST TEAM 2 Lonzo Ball G 6-6 190 10/27/97 UCLA / USA R UCLA 1 Vander Blue G 6-5 200 7/17/92 Marquette / USA 2 South Bay Lakers (G League) 3 Alec Brown C 7-1 235 7/23/92 Green Bay / USA R Movistar Estudiantes (Spain) 31 Thomas Bryant C 6-10 241 7/31/97 Indiana / USA R Indiana 4 Alex Caruso G 6-5 181 2/28/94 Texas A&M / USA R Oklahoma City Blue (G League) 6 P.J. Dozier F 6-6 200 10/25/96 South Carolina / USA R South Carolina 5 Josh Hart G 6-5 204 3/6/95 Villanova / USA R Villanova 14 Brandon Ingram F 6-9 191 9/2/97 Duke / USA 1 Los Angeles Lakers 0 Kyle Kuzma F 6-9 221 7/24/95 Utah / USA R Utah 10 David Nwaba G 6-4 209 1/14/93 Cal Poly / USA 1 Los Angeles Lakers 19 Matt Thomas G 6-5 193 8/4/94 Iowa State / USA R Iowa State 21 Travis Wear F 6-10 229 9/21/90 UCLA / USA 1 South Bay Lakers (G League) 7 Gabe York G 6-3 184 8/2/93 Arizona / USA R Erie BayHawks (G League) 40 Ivica Zubac C 7-1 265 3/18/97 Mega Leks (Serbia) / Croatia 1 Los Angeles Lakers HEAD COACH pro•nun•ci•a•tion GUIDE Jud Buechler (Arizona) P.J. -
Algoritmernas Roll I Plattformssamhället
RED. JONAS ANDERSSON SCHWARZ & STEFAN LARSSON DEN DIGITALA UTVECKLINGENS POLITIK, INNOVATION OCH REGLERING PLATTFORMSSAMHÄLLET red. jonas andersson schwarz och stefan larsson Plattformssamhället Den digitala utvecklingens politik, innovation och reglering Redaktörer Jonas Andersson Schwarz Stefan Larsson Fores Fores – Forum för reformer och entreprenörskap – är den gröna och liberala tankesmedjan. Fores är partipolitiskt obunden och arbetar inom fyra programområden: Det digitala samhället, Migration och integration, Entreprenörskap och ekonomiska reformer samt Klimat och miljö. Vi är en öppen, ideell och oberoende mötesplats där nyfikna samhällsmedborgare, debattörer, entreprenörer, beslutsfattare och forskare möts. Vi arrangerar och medverkar i seminarier, samtal, debatter och forskningsprojekt i Sverige, EU och världen. Fores Kungsbroplan 2 112 27 Stockholm [email protected] www.fores.se Tryck: Spektar, Bulgarien 2019 Grafisk formgivning: joakimolsson.se ISBN: 978-91-87379-53-6 Fritt tillgängligt med vissa rättigheter förbehållna. Fores vill ha största möjliga spridning av de publikationer vi ger ut. Därför kan publikationerna utan kostnad laddas ner via www.fores.se. Enstaka exemplar kan också beställas i tryckt form via [email protected]. Vår hantering av upphovsrätt utgår från Creative Commons Erkännande-Ickekommersiell- Inga bearbetningar 3.0 Unported License (läs mer på www.creativecommons.se). Det innebär i korthet att det är tillåtet att dela, det vill säga att kopiera, distribuera och sända verket, på villkor att Fores och författaren anges, ändamålet är icke kommersiellt och verket inte förändras, bearbetas eller byggs vidare på. DEN DIGITALA UTVECKLINGENS POLITIK, INNOVATION OCH REGLERING MEDVERKANDE SKRIBENTER jonas andersson schwarz är lektor i medie- och kommunikations- vetenskap vid Södertörns högskola och intresserar sig för hur vardags- liv och samhällsstrukturer påverkas av den tilltagande digitaliseringen.