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Today, there are 55 Hispanic American banks and credit unions that are FDIC or NCUA insured around the United States. Nave BankBranches: 0 (online-only)ATMs: 0Services: savings accounts, business banking, business loansNave Bank is currently only available for businesses, and has a waitlist to join. We selected Hispanic American-owned credit unions from the National Credit Union Administration's list of minority depository institutions which was also updated in September 2023. You can open up savings accounts, checking accounts, CDs, and money market accounts in most of the institutions listed. Results from the study found that Hispanic Americans made up a greater percentage of those who took out home loans or small business loans at Hispanic American banks in comparison to non-minority banks.

☆ AI drive-thru ordering is on the rise — but it may take years to iron out its flaws
▼ + stars: | 2024-07-03 | by ( Amelia Lucas | ) www.cnbc.com time to read: +3 min

The drive-thru menu at a McDonald's restaurant showing various meal options and promotions, in Buttonwillow in Kern County, California, on 23, 2024. This year, 16% of restaurant operators plan to invest in artificial intelligence, including voice recognition, according to a survey from the National Restaurant Association. Then Covid came, which not only accelerated labor costs but also led to a shift away from dining rooms and toward drive-thru lanes. Then there's Presto Automation , the AI drive-thru technology company which disclosed last year in Securities and Exchange Commission filings that it uses "human agents" in places like the Philippines and India to complete orders. This time, McDonald's likely won't be the first mover.

Persons: Covid, McDonald's, Gee Lefevre, T.D, Cowen, Andrew Charles, That's, Uber, Charles Organizations: National Restaurant Association, IBM, Securities, Exchange Commission, Presto Locations: Buttonwillow, Kern County , California, Philippines, India

☆ White Castle is taking drive-thru orders using an AI voice system that claims to be more accurate than a human
▼ + stars: | 2024-06-17 | by ( Grace Dean | ) www.businessinsider.com time to read: +4 min

White Castle is just one in a long line of restaurant chains toying with drive-thrus powered by voice-recognition AI. Chains such as Taco Bell, McDonald's, and Checkers & Rally's have all tested or introduced voice AI drive-thrus. AdvertisementBut voice AI drive-thrus are far from achieving widespread adoption. Last year, restaurant-tech company Presto Automations revealed in an SEC filing that over 70% of its voice AI orders required assistance from off-site human workers. AdvertisementIf customers don't want to order using the voice AI system, they can ask to speak to a human, he said.

Persons: —, Julia, Julia isn't, Taco Bell, McDonald's, Jamie Richardson, White, Richardson, Ben Bellettini, SoundHound's, SoundHound, SoundHound doesn't, fryer Organizations: Service, Business, SEC, IBM Locations: White, St Louis, Cincinnati, Indiana, Merrillville

☆ 36% of Americans say real estate is the best long-term investment—financial pros say they may be wrong
▼ + stars: | 2024-05-23 | by ( Ryan Ermey | ) www.cnbc.com time to read: +4 min

For years, Gallup has asked investors exactly that question, and since 2013 the most popular answer has been the same: real estate. It's tough to say what the best long-term investing option is without knowing the desired outcome." You can invest in real estate via real estate investment trusts, which trade like stocks, or ETFs that hold them. As you pay down your mortgage, you build equity in a piece of real estate that also appreciates in value. Among Americans making less than $40,000 per year, 33% choose real estate as their No.

Persons: Gallup, Stocks, Nick Foulks, Andrew Briggs, Briggs, Gold Organizations: cryptocurrency, Great Waters, National, Advisory, presto

☆ Switching From iPhone to Android Is Easy. It’s the Aftermath That Stings.
▼ + stars: | 2024-04-03 | by ( Brian X. Chen | ) www.nytimes.com time to read: +1 min

When I temporarily switched from an iPhone to an Android phone last week, I was bracing for a world of hurt. I’ve owned only Apple phones ever since buying the first-generation iPhone in 2007. And, like many, I’ve bought other Apple products that pair nicely, including AirPods, an Apple Watch and an iPad. I was initially surprised by how simple it was to shift my iPhone data to an Android smartphone made by Google. After I called my carrier, Verizon, to transfer my phone number to the Android device, my mission was accomplished: I had become an Android convert.

Persons: I’ve Organizations: Apple, Apple Watch, Justice Department, Google, Verizon

☆ How Pizza Giant Papa Johns Makes 4 Million Dough Balls a Week
▼ + stars: | 2024-03-14 | by ( Drake Presto | ) www.businessinsider.com time to read: 1 min

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☆ Chatbots just showed scientists how to make social media less toxic
▼ + stars: | 2023-11-14 | by ( Adam Rogers | ) www.businessinsider.com time to read: +14 min

AI bots, on the other hand, will do whatever you tell them to, practically for free. So researchers are starting to use chatbots as fake people from whom they can extract data about real people. In July 2020, Facebook introduced a walled-off simulation of itself, populated with millions of AI bots, to study online toxicity. His team created hundreds of personas for its Twitter bots — telling each one things like "you are a male, middle-income, evangelical Protestant who loves Republicans, Donald Trump, the NRA, and Christian fundamentalists." Scientists create experiments to be simpler than reality, to offer explanatory power uncomplicated by the messiness of real life.

Persons: chatbots, Donald Trump, Petter Törnberg, Törnberg, Emma, Terry Crews, mindlessly, we've, LLMs, Lisa Argyle, Joon, he's, Smallville's café, messier, it's, sims, Adam Rogers Organizations: ABC News, CNN, New York Times, Twitter, Institute, Logic, University of Amsterdam, Columbia University, Facebook, NRA, American, Election, Democratic, Chamber Twitter, Brigham Young University, Stanford University Locations: Alabama

☆ AI was told to design a robot that could walk. Within seconds, it generated a 'small, squishy, and misshapen' thing that spasms.
▼ + stars: | 2023-10-10 | by ( Kai Xiang Teo | ) www.businessinsider.com time to read: +2 min

A group of researchers asked AI to design a walking robot. AdvertisementAdvertisementWhen a group of researchers asked an AI to design a robot that could walk, it created a "small, squishy and misshapen" thing that walks by spasming when filled with air. "We told the AI that we wanted a robot that could walk across land. The AI began with a small rubber block and modeled different shapes before arriving at the final design that could walk. AdvertisementAdvertisementKriegman said the researchers weren't quite sure why the robot had this peculiar shape — and why it was filled with holes.

Persons: —, Sam Kriegman, Kriegman, Mika Organizations: Service, Northwestern University, MIT, University of Vermont —, National Academy of Sciences, Boston Dynamics, Reuters Locations: Geneva

☆ From taking orders to cutting avocados, AI is solving the labor shortage problem for fast-food chains
▼ + stars: | 2023-09-14 | by ( Nancy Luna | ) www.businessinsider.com time to read: +8 min

Checkers & Rally'sLast year, Checkers & Rally's became one of the first big chains to implement widespread use of AI-powered voice assistants. Out of the 803 Checkers and Rally's restaurants, voice AI was live in 390 as of August. AdvertisementAdvertisementSoundHound, best known as a music-recognition app, has spent years perfecting its conversational voice AI bots. Sister burger chains Carl's Jr. and Hardee's also announced plans to test Presto's AI voice bots this year. Hardee's and Carl's Jr. are also testing voice AI bots by OpenCity.

Persons: DoorDash, Deloitte, Keyvan Mohajer, it's, Mohajer, Schier, Rally's, Domino's, ConverseNow, SoundHound, SoundHound's Mohajer, Beef, Chippy, Rebecca Harrington, McDonald's, Carl's Jr, Del, Carl's, Hardee's, Presto, Taco, Chris Turner, Turner, Taco Bell Organizations: Service, Chipotle, Industry, National Restaurant Association, Deloitte, Wingstop Tech, Anthony's, Slim, Dialog, Taco Bell, Taco, Yum Brands Locations: White, Wall, Silicon, McDonald's, Texas, California , Texas, Florida, Chicago, Thai, Newport Beach , California, Del Taco, Mexican, Southern California, Taco Bell's

☆ Amazon axes some private label brands as part of wider cost cuts
▼ + stars: | 2023-08-10 | by ( Annie Palmer | In Annierpalmer | ) www.cnbc.com time to read: +3 min

Amazon is cutting some of its private label brands as part of a broader effort to rein in costs, the company confirmed to CNBC. The number of Amazon's private label brands has expanded rapidly over the years to include things like Goodthreads apparel, Rivet furniture and Presto! Matt Taddy, Vice President of Amazon Private Brands, said in a statement that the company has looked to eliminate some in-house products after determining they didn't resonate with customers. Amazon has said sales from private label brands represent only 1% of its total retail sales. As of 2019, the company said it had 158,000 private brand products across 45 brands, along with other brands sold by its online grocery service Amazon Fresh.

Persons: Matt Taddy, we've, Taddy, Andy Jassy, Jeff Bezos Organizations: CNBC, Amazon Private Brands, Wall Street, Federal Trade Commission, Amazon, Brands, House, Big Tech, FTC

☆ Opinion | One Economist Is Challenging How We Think Money Works
▼ + stars: | 2023-07-19 | by ( Peter Coy | ) www.nytimes.com time to read: +1 min

What’s the difference between $100 in cash and $100 in a checking account? It goes into its computer and marks up your checking account by whatever amount you borrowed. Congress creates money from thin air by deficit spending and the Federal Reserve creates it by buying bonds. The more you think about money, the weirder it starts to feel. The government’s money used to be backed by real stuff like gold and silver.

Persons: Banks Organizations: Federal Locations: United States

☆ High levels of a hazardous chemical polluted the air weeks after the Ohio train derailment, an analysis shows
▼ + stars: | 2023-07-12 | by ( Aria Bendix | ) www.cnbc.com time to read: +2 min

General view of the site of the derailment of a train carrying hazardous waste, in East Palestine, Ohio, March 2, 2023. Soon after the derailment of a Norfolk Southern train in East Palestine, Ohio, a team of researchers began roving the small town in a Nissan van. Longer-term exposure to concentrations of acrolein at the detected levels may be a health concern, the researchers wrote. Low levels of exposure to acrolein are associated with slow breathing and burning in the nose and the throat. The levels of vinyl chloride that were detected, meanwhile, were below the Environmental Protection Agency's threshold for long-term risks.

Persons: Albert Presto, acrolein Organizations: Norfolk, Carnegie Mellon, Texas, Science, Technology Locations: East Palestine , Ohio, Norfolk Southern, Nissan

☆ AI drive-thrus may be good for business. But not for the rest of us
▼ + stars: | 2023-06-17 | by ( Danielle Wiener-Bronner | ) edition.cnn.com time to read: +7 min

New AI technology at the drive-thru at a Carl's Jr. location. In real-world situations, reactions to AI drive-thrus are still mixed. “We expect AI to augment the competitive advantages of restaurants with digital culture.”Short-staffed restaurants may see AI as a way to fill in the gaps. “There aren’t enough at-scale examples of voice AI in action, especially in this use case,” to say that people would prefer AI to an employee, said McAllister. By the time those examples exist, AI in drive-thrus may already be the norm.

Persons: CKE, Carl’s Jr, Wendy’s, Joel Angel Juarez, it’s, ” Thomas Kurian, ”, Christina McAllister, Forrester, upsells, Krishna Gupta, Presto, “, Todd Penegor, Penegor, Yong Suk Lee, “ it’s, Brandon Bell, McAllister Organizations: New, New York CNN, Google, USA, Wall Street, Indiana White, Wall Street Journal, Presto Automation, CKE, Presto, Presto Voice, University of Notre Dame, Intouch Locations: New York, White, Wendy’s, Columbus , Ohio, The Republic

☆ How restaurants such as Panera and Chipotle are dipping into A.I. to streamline food prep and ordering
▼ + stars: | 2023-06-17 | by ( Kate Rogers | ) www.cnbc.com time to read: +3 min

From drive-thru to back-of-house operations to predictive ordering for consumers, restaurant brands are starting to pilot artificial intelligence to streamline food service. McDonald's , for its part, sold McD Tech Labs to IBM in 2021, entering a strategic partnership to help bring AI technology to drive-thru lanes. McD Tech Labs, which was formerly known as Apprente before McDonald's acquired it, used AI to understand drive-thru orders. Del Taco is also using voice-activated AI for orders at its drive-thru, as is Wingstop for orders placed by phone. For Panera, it's a question of, "How do we redeploy our people to higher value, higher quality guest experiences," said Chief Digital Officer George Hanson.

Persons: there's, TD Cowen, Andrew Charles, Cowen, Charles ., Carl's Jr, CKE, Dragontail, McDonald's, George Hanson, Hanson Organizations: National Restaurant Association, Presto, Brands, Tech Labs, IBM, Miso Robotics, CNBC Locations: U.S, Del

☆ Here's how this company is using A.I. to improve drive-thru process
▼ + stars: | 2023-05-26 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailHere's how this company is using A.I. to improve drive-thru processKrishna Gupta, CEO and chairman at Presto Automation, joins 'Power Lunch' to explain how his company uses A.I. to improve drive-thru processes in the food industry.

Persons: Gupta Organizations: Presto Automation

☆ Carl's Jr. and Hardee's to roll out Presto's A.I. drive-thru ordering nationwide
▼ + stars: | 2023-05-04 | by ( Amelia Lucas | ) www.cnbc.com time to read: +4 min

Carl's Jr. and Hardee's locations will roll out automated drive-thru ordering nationwide using Presto's artificial intelligence software. Together, Carl's Jr. and Hardee's have about 2,800 restaurants across 44 U.S. states. Hardee's locations are mostly in the Midwest and South, while Carl's Jr. restaurants are found in the West. CKE tested the software last year at a handful of Carl's Jr. and Hardee's locations. CKE operates about 250 of Carl's Jr. and Hardee's restaurants, while franchisees run the rest.

☆ Opinion | A.I. Could Actually Be a Boon to Education
▼ + stars: | 2023-05-03 | by ( Peter Coy | ) www.nytimes.com time to read: +2 min

Those are crazy high benefit-cost ratios, considering that a lot of nonprofits would be happy with a ratio of 10 to 1. I’m citing it because Khan has a new plan to make the ratio, whatever it is, even higher. I watched a TED Talk he gave on April 18 about his A.I. “My intellectual selfishness is that I really like making videos,” Khan told me. (Though he’s no longer the only person making videos.)

☆ How ‘Going Viral’ Became a Thing
▼ + stars: | 2023-04-30 | by ( Virginia Heffernan | ) www.nytimes.com time to read: +1 min

Select a party anthem (“YMCA”), a quality in a dream partner (“ravenous”) and presto: your spiritual home. Too many people got Wyoming — more than actually lived in Wyoming — and this turn of events was so exciting that people stomped over to Facebook to protest. Then, according to Ben Smith in his engrossing and suspenseful book, “Traffic: Genius, Rivalry, and Delusion in the Billion-Dollar Race to Go Viral,” the team at BuzzFeed noticed something that changed media forev —Well, not forever. This is Ben Smith, after all. Co-founder of Semafor, former New York Times media columnist, onetime editor in chief of BuzzFeed News.

☆ ‘Mrs. Davis’ Review: A Nun’s Anti-AI Crusade
▼ + stars: | 2023-04-18 | by ( John Anderson | ) www.wsj.com time to read: +1 min

Magic of the presto-chango variety always depends on distraction, but the distractions are the magic of “Mrs. Davis,” which throughout its exhilarating mix of comedy, action, obscure movie references and gothic-Catholic sleight-of-hand mounts a very plausible and therefore disturbing premise: God isn’t dead. He is just less influential than an algorithm. The algorithm is known as Mrs. Davis—or “Ma’am” in the U.K., or “Madonna” in Rome—and is the all-seeing, all-knowing, not-quite-all-merciful manifestation of artificial intelligence to whom humanity has plighted its troth in this eight-part manifestation of real intelligence from creators Tara Hernandez and Damon Lindelof . Mrs. Davis is, was and ever shall be—unless a heretical nun named Simone, aka Lizzie ( Betty Gilpin ), can win the bet she has made with the omniscient formulation that she calls “it” and find the Holy Grail, on which occasion Mrs. Davis has agreed to self-destruct.

☆ ‘Mrs. Davis’ Review: A Sci-Fi Nun’s Anti-AI Crusade
▼ + stars: | 2023-04-18 | by ( John Anderson | ) www.wsj.com time to read: +1 min

Betty Gilpin Photo: PEACOCKMagic of the presto-chango variety always depends on distraction, but the distractions are the magic of “Mrs. Davis,” which throughout its exhilarating mix of comedy, action, obscure movie references and gothic-Catholic sleight-of-hand mounts a very plausible and therefore disturbing premise: God isn’t dead. He is just less influential than an algorithm. Mrs. Davis Begins Thursday, PeacockThe algorithm is known as Mrs. Davis—or “Ma’am” in the U.K., or “Madonna” in Rome—and is the all-seeing, all-knowing, not-quite-all-merciful manifestation of artificial intelligence to whom humanity has plighted its troth in this eight-part manifestation of real intelligence from creators Tara Hernandez and Damon Lindelof . Mrs. Davis is, was and ever shall be—unless a heretical nun named Simone, aka Lizzie ( Betty Gilpin ), can win the bet she has made with the omniscient formulation that she calls “it” and find the Holy Grail, on which occasion Mrs. Davis has agreed to self-destruct.

Adam Rich, the youngest member of the "Eight Is Enough" television ensemble, died at age 54 at his Los Angeles home Saturday. An official cause of death is pending a scheduled autopsy, the Los Angeles County Medical Examiner's Office said. "Eight Is Enough" actors Jimmy Van Patten, Connie Needham, Dianne Kay, Laurie Walters and Adam Rich at the Los Angeles premiere of the musical "Hello Dolly" on Jan. 30, 2019. The youngest member of the Bradford family, Rich endeared himself to viewers as a mop-topped child star. Rich's last credits are from 2003, when he played himself in "Dickie Roberts: Former Child Star," along with a guest spot portraying Crocodile Dundee in "Reel Comedy."

We selected Capital One 360, Synovus Bank, Regions Bank, Delta Community Credit Union, and Credit Union of Atlanta as the best banks and credit unions in Georgia. These financial institutions have savings account rates that are lower than the average savings account. Delta Community Credit Union members will need to open the Delta Community Credit Union Personal Savings Account. Robins Financial Credit Union (Federally insured by the NCUA): Robins Financial Credit Union has a free checking account, but our top credit union has lower minimum opening deposits. We reviewed the 10 biggest banks and credit unions in the state, plus any financial institutions featured in our Black-owned banks and credit unions guide and Hispanic American-owned banks and credit unions guide.

LONDON, Sept 21 (Reuters) - A sugar-based alternative to vinyl could help to decarbonise the music industry, according to its developer. Acting CEO of Evolution Music Marc Carey said sonically and in terms of equalisation the music recorded on the bioplastic records is "absolutely spot on." 1/5 Marc Carey, CEO of Evolution Music, holds a bioplastic record made with a sugar-based alternative to vinyl, in London, Britain September 8, 2022. A richer sound, cover art and the ability to cradle a vinyl record in the hands contribute to the growing emotional appeal for LPs. "The music industry, the creative arts, should be at the forefront of innovation ... and typically, cultural change is what affects political and social change," Carey said.

Today, there are 56 Hispanic American banks and credit unions that are FDIC or NCUA insured around the US. We selected Hispanic American-owned credit unions from the National Credit Union Administration's list of minority depository institutions which was also updated on June 30, 2022. In our list of Hispanic American-owned banks and credit unions, many of the institutions listed offer customer support in Spanish and English. You can open up savings accounts, checking accounts, CDs, and money market accounts in most of the institutions listed. To help you learn more about a specific Hispanic American-owned bank or credit union, we've included links to reviews of individual institutions.

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