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☆ Meta is helping brands reach more audiences across social media — and it's all thanks to AI
▼ + stars: | 2024-11-20 | by ( ) www.businessinsider.com time to read: +5 min

Generative AI helps brands build more engaging ads with creative variations. Using Meta's AI tools, ObjectsHQ simply loaded lifestyle photos of its best-performing products, along with a few captions. AI for advertisingObjectsHQ is just one of many brands harnessing the power of AI-powered ad tools. AI — particularly generative AI — gives businesses of all sizes the tools to connect with the right people and create diverse, engaging content. With AI tools that save time and complement human creativity, marketers can create ad campaigns that reach audiences everywhere.

Persons: Alfred Chehebar, Justin Osofsky, ObjectsHQ, Chehebar, Meta, Osofsky Organizations: ObjectsHQ, SMB Group, Global, Meta, Meta's, Business, Insider Studios

☆ Here are Wednesday's biggest analyst calls: Nvidia, Apple, Netflix, Microsoft, Robinhood, Amazon, Dell, Chewy & more
▼ + stars: | 2024-11-20 | by ( Michael Bloom | ) www.cnbc.com time to read: +8 min

Here are Wednesday's biggest calls on Wall Street: Loop reiterates Nvidia as buy The firm said it's standing by the stock heading into earnings on Wednesday. "We see more upside potential and are moving up our target price to $51 from $30. Pivotal reiterates Netflix as buy Pivotal raised its price target on Netflix to a Street high $1,100 from $925. Goldman Sachs reiterates Microsoft as buy Goldman said it's standing by the stock following the company's Ignite Conference in Chicago on Tuesday. Citi downgrades Target to neutral from buy The firm downgraded the stock following earnings on Wednesday morning and says it's losing share.

Persons: NVDA, hasn't, Bernstein, Robinhood, HOOD, Tyson, Paul, Apple, Goldman Sachs, Goldman, Piper Sandler, Piper, Morgan Stanley, it's, DELL, qtr, Guggenheim, Oppenheimer, JPMorgan Chase, Cava Organizations: Nvidia, Deutsche Bank, Gaming, Leisure Properties, Deutsche, Netflix, Bank of America, Walmart, Microsoft, Adobe, JPMorgan, Dell, of America, Underperform, Trump, Barclays, Newell Brands, Citi, Target, TGT, HSBC Locations: Chicago

☆ Stocks making the biggest moves midday: Shopify, Honeywell, GE Vernova, Twilio and more
▼ + stars: | 2024-11-12 | by ( Lisa Kailai Han | ) www.cnbc.com time to read: +4 min

Shopify's $2.16 billion revenue beat a FactSet estimate of $2.12 billion. Live Nation Entertainment — The live music and entertainment company gained 4% after posting a third-quarter earnings beat. On the other hand, revenue of $7.65 billion missed the $7.75 billion analysts had forecasted. Sea — Shares surged 1.7% after the tech company reported a third-quarter revenue beat. Mosaic — Shares slid 9% after the chemicals company reported disappointing quarterly results.

Persons: Twilio, Wells, Wells Fargo, Donald Trump's, SentinelOne, Tyson, StreetAccount, On's, FactSet, Mosaic, Clint Freeland, Luciano Siani Pires, Scott Strazik, Strazik, Donald Trump, — CNBC's Michelle Fox, Alex Harring, Hakyung Kim, Jesse Pound, Pia Singh Organizations: Entertainment, Honeywell, Elliott Management, Aerospace, Automation, IAC, Trump Media & Technology, Deutsche Bank, Tencent, Shift4 Payments, GE, Financial Locations: —, Swiss

☆ Stocks making the biggest moves premarket: Shopify, Home Depot, Live Nation Entertainment and more
▼ + stars: | 2024-11-12 | by ( Samantha Subin | ) www.cnbc.com time to read: +3 min

Live Nation Entertainment — Shares jumped 5% after the live music and entertainment company posted an earnings beat for the third quarter. Twilio — Shares moved 1.7% higher following an upgrade at Wells Fargo to overweight from equal weight. IAC — Shares rose 3% on news that IAC its weighing a spinoff of home improvement marketplace Angi. Shares rose more than 4% last week on the heels of the president-elect's victory. SentinelOne — Shares rose 1.6% after Deutsche Bank upgraded shares to buy from hold, saying the July outage related to CrowdStrike can help add to SentinelOne's momentum.

Persons: Elliott, Twilio, bitcoin, Robinhood, Microstrategy, Okta, — CNBC's Hakyung Kim, Michelle Fox, Lisa Han, Sarah Min, Jesse Pound Organizations: Honeywell —, Elliott Management, Honeywell, Aerospace, Automation, IAC, Trump Media & Technology, Deutsche Bank Locations: Wells

☆ This stock could be the new 'pick-and-shovel play' in the next wave of AI, Wells Fargo says
▼ + stars: | 2024-11-12 | by ( Pia Singh | In | ) www.cnbc.com time to read: +2 min

Twilio could be a standout name as software stocks bounce back heading into the end of the year, according to Wells Fargo. Analyst Michael Turrin upgraded San Francisco-based Twilio to overweight from equal weight and lifted his price target by 50%, or $40, to $120 from $80. That suggests 28% potential upside for the cloud-based communication software company, which has already gained nearly 24% year to date. Underlying Turrin's investment thesis is his belief that software vendors will lead the next phase of AI development. "We believe Twilio can serve as a pick-and-shovel play for the next wave of AI-native front office and communications-powered genAI applications," Turrin said, highlighting the company's integration with OpenAI's Realtime API that allows developers to build low latency speech to speech AI agents into applications.

Persons: Michael Turrin, Turrin Locations: Wells Fargo, San Francisco

☆ Apple is reportedly doing market research into smart glasses after Meta's 'Orion' demo made waves
▼ + stars: | 2024-11-05 | by ( Jordan Hart | ) www.businessinsider.com time to read: +3 min

Apple is doing research into the smart glasses market, Bloomberg reported. The report comes amid weak Vision Pro demand and flashy smart glasses demos from competitors. AdvertisementApple is possibly considering entering the smart glasses market even as it reportedly scales back Vision Pro production. The AI-enabled smart glasses have cameras, speakers, and a microphone, and they can be worn and used on the go. If Apple's goal is to rival Meta's unreleased Orion glasses, it has time to work on its product.

Persons: Meta's Orion, —, Meta, Meta's Ray, Mark Zuckerberg, Oprah, Apple didn't, William Kerwin Organizations: Apple, Bloomberg, Service, Tech, Business, Morningstar

☆ Meta is 'net winner' on AI spending, says outperforming fund manager who previously sold the stock
▼ + stars: | 2024-11-04 | by ( Ganesh Rao | ) www.cnbc.com time to read: +3 min

An outperforming fund manager who previously sold Meta Platforms shares over concerns about the company's virtual reality investments is now bullish on the technology giant's artificial intelligence strategy. This optimistic stance marks a significant shift for Yiu, who revealed that his fund had previously sold out of Meta Platform shares two years ago due to concerns about the company's virtual reality investments. Meta's Reality Labs division, home to the company's virtual reality technologies and projects, took on $13.72 billion in losses in 2022 before Zuckerberg pivoted strategy. Meta is among the top 10 holdings in Yiu's Blue Whale Growth Fund, which itself is up 16.6% in 2024. Yiu's endorsement comes as Meta faces scrutiny over its ambitious AI spending plans, prompting mixed reactions from Wall Street analysts.

Persons: Stephen Yiu, Yiu, CNBC's, Metaverse, Zuckerberg, Meta, Benjamin Black, Black, Nat Schindler, Morningstar, Morningstar's Malik Ahmed Khan, Michael Bloom, Jonathan Vanian, Ari Levy Organizations: Blue, Growth, Meta, Nvidia, Labs, Wall Street, Deutsche Bank

☆ Apple has a new batch of AI features arriving in time for the holidays
▼ + stars: | 2024-11-04 | by ( Jordan Hart | ) www.businessinsider.com time to read: +2 min

Apple is expected to expand Apple Intelligence with an iOS 18.2 update on December 2. Apple said it plans to build out Apple Intelligence over the next several months, with drops in December and April. Related Video How AI will change the iPhone and other Apple productsWith visual intelligence, Apple said iPhone 16 owners can use their new Camera Control button to get information on objects or places — or translate languages with AI. While its rivals have been quick to announce and launch their AI offerings, Apple is taking a slower approach. Apple Intelligence was announced at the Worldwide Developer Conference in June.

Persons: —, Apple, Siri Organizations: Apple, Apple Intelligence, Service, Bloomberg, Microsoft, Meta, Worldwide, Conference

☆ Apple's China headache isn't going away anytime soon
▼ + stars: | 2024-11-01 | by ( Jordan Hart | ) www.businessinsider.com time to read: +3 min

Greater China is a key market for Apple, with new AI features expected to roll out in April. It also rolled out its highly-anticipated Apple Intelligence software in the US in English on Monday. While consumers may be buying the newest iPhones in Greater China, they'll have to wait until April for Apple Intelligence to launch in Chinese, however. However, competition is stiff, and Apple Intelligence still needs time to prove itself. It'll take months to know for certain if AI can move the needle for Apple in Greater China.

Persons: Apple, —, Tim Cook, Jacob Bourne, It'll Organizations: Apple, Baidu, Service, Apple Intelligence, Huawei, Xiaomi, Business, Wedbush Securities Locations: Greater China, China, EMARKETER

☆ Meta is 'best early GenAI winner': Analysts stick by tech giant despite spending concerns
▼ + stars: | 2024-10-31 | by ( Pia Singh | In | ) www.cnbc.com time to read: +4 min

Analysts think there's still room for Meta shares to run, even after the company posted disappointing metrics in its latest quarterly report . Wall Street majors are largely optimistic on Meta over the next year, with most firms assigning a price target that implies at least 5% upside. META remains best early GenAI winner in the group," Morgan Stanley analyst Brian Nowak wrote in a note to clients. Shmulik has a price target on the high range of the Street. "We're constructive on the core business, we believe Meta can continue delivering revenue growth above expectations."

Persons: Bernstein, Goldman Sachs, Morgan Stanley, Brian Nowak, " Nowak, Deutsche Bank's Benjamin Black, Mark Shmulik, Shmulik, Meta Organizations: Meta, Facebook, Wall, Lab, Reality Labs, Bank of America, Barclays, Citi, Deutche, Deutsche, — Locations: U.S

☆ OpenAI is throwing down the gauntlet at Google by rolling out its new search feature
▼ + stars: | 2024-10-31 | by ( Jordan Hart | ) www.businessinsider.com time to read: +2 min

OpenAI will enhance ChatGPT with a new search feature for real-time web answers. ChatGPT's search tool challenges Google's search dominance. OpenAI is taking on the tech giant by offering a search tool that can process conversational questions and keep track of context. OpenAI CEO Sam Altman said in an X post that using ChatGPT search has "probably doubled my usage over the past few weeks." Instead of pulling up the nearest restaurants, OpenAI said ChatGPT can make recommendations with its search feature and answer follow-up questions.

Persons: Sam Altman, —, OpenAI, would've, — Sam Altman, Altman, ChatGPT Organizations: Service, Google Locations: chatgpt

☆ Wall Street remains confident on Microsoft's AI story despite weak guidance. Some say to buy the dip
▼ + stars: | 2024-10-31 | by ( Pia Singh | In | ) www.cnbc.com time to read: +4 min

Wall Street's bullish sentiment on Microsoft hasn't faded, even after the tech giant forecast disappointing revenue growth numbers. The company's revenue increased 16% year over year in the quarter, and its net income rose 11% during the period compared to the year-ago quarter. That forecast led shares to slip nearly 4% in premarket trading, despite the company's strong earnings performance. That would be the company's fastest ever AI-related revenue growth rate. Barclays, which has one of the lowest price objectives on Wall Street, said it sees Microsoft shares being "range bound" in the short term.

Persons: Morgan Stanley —, Bernstein, Morgan Stanley, Keith Weiss, Weiss, Kirk Materne, Materne, Raimo Lenschow Organizations: Microsoft, LSEG, JPMorgan, Bank of America, Barclays, Citi, 25X, Investors Locations: Wells

☆ BBG Ventures raises $60 million for its latest fund and moves beyond just backing female founders
▼ + stars: | 2024-10-30 | by ( Leena Rao | ) www.businessinsider.com time to read: +4 min

New York-based BBG Ventures has raised a new $60 million fund. The latest fund will invest in both female founders and those with diverse backgrounds. Ten years later, the seed stage fund has raised a new $60 million fund and is moving beyond just backing female founders to any entrepreneur from a diverse background. AdvertisementWhen Verizon bought AOL in 2015, BBG Ventures separated and raised a new $50 million fund. Related storiesDua explained that the decision to move beyond exclusively backing just female founders reflects the duo's shift in thesis around innovation.

Persons: —, VCs, Susan Lyne, Nisha Dua, Lyne, Dua, Nordstrom, clamoring Organizations: BBG Ventures, California Endowment, Mizuho, Service, AOL, Founders, Spring Health, Verizon, State of Michigan Retirement Services, Illumen, Investments, Fairview Capital, Bank of America Locations: York, U.S, Spring, Nara, Dua, Lyne

☆ Vista's Robert Smith: How to prevent AI from further widening the racial wealth gap
▼ + stars: | 2024-10-29 | by ( Robert Smith | Ceo Of Vista Equity Partners | ) www.cnbc.com time to read: +5 min

For example, according to a recent McKinsey study, Black Americans are 10% more likely to be working jobs slated for AI automation. If current trends hold, the new wealth created by GenAI alone will increase the racial wealth gap by $43 billion annually, according to McKinsey. That begins with infrastructure that supports AI enablement for all, including education on AI tools, access to the internet and power to compute. SFI has been working hard to close the digital divide in Black communities, including Historically Black Colleges and Universities (HBCUs), 82% of which reside in broadband deserts. This work is bridging access gaps and ensuring that underrepresented talent thrives in the rapidly growing and in-demand field of AI.

Persons: Goldman Sachs, GenAI, Robert Solow, SFI Organizations: Istock, McKinsey, Initiative, Black Colleges, Universities, Vista Equity Partners, Morehouse College Locations: U.S, Black

☆ It's a big week for Apple. Here's what to expect.
▼ + stars: | 2024-10-28 | by ( Jordan Hart | ) www.businessinsider.com time to read: +2 min

Apple has a slate of announcements expected this week on top of earnings. Its long-awaited Apple Intelligence is expected to launch with software updates. Apple marketing head Greg Joswiak told his X followers on Thursday to "Mac" their calendars for a week of announcements from the tech giant. Apple Intelligence was a major talking point during the third-quarter earnings call. "With Apple Intelligence, we're very excited about the level of value we're going to provide to users," Cook said on theAugust callt.

Persons: Greg Joswiak, —, ince, ro, Organizations: Apple, Apple Intelligence, Service

☆ Morgan Stanley says these tech stocks are table-pounding buys ahead of earnings
▼ + stars: | 2024-10-26 | by ( Michael Bloom | ) www.cnbc.com time to read: +4 min

A slate of overweight-rated tech stocks are worth buying ahead of earnings, Morgan Stanley said. Microsoft Morgan Stanley analyst Keith Weiss is sticking with the tech giant ahead of earnings. Indeed, Microsoft shares are up nearly 14% in 2024, but the firm said the stock is too attractive to ignore at current levels. Apple The firm is also standing by its top pick Apple ahead of quarterly earnings on Oct. 31, despite reports of mixed iPhone 16 demand. "We expect Apple to post a strong Sept Q top- and bottom-line beat," he added.

Persons: Morgan Stanley, Microsoft Morgan Stanley, Keith Weiss, GenAI monetization, Weiss, Atlassian Weiss, Erik Woodring, Woodring, billings Organizations: CNBC, Fortinet, Microsoft, Apple, Gross, TEAM, Apple Intelligence, … Locations: …

☆ Sumit Rana Is Putting GenAI to Work in More Than 100 Epic Applications
▼ + stars: | 2024-10-24 | by ( Rebecca Torrence | ) www.businessinsider.com time to read: 1 min

Epic is the world's largest provider of software for electronic health records, serving about 40% of US hospitals, including leading institutions such as the Cleveland Clinic, Mayo Clinic, and Massachusetts General Hospital. Rana, who's worked at Epic for 26 years and now serves as its head of research and development, leads all the EHR giant's initiatives across AI — from developing algorithms that predict when a patient might develop certain conditions to summarizing doctors' notes. Rana says Epic has more than 100 generative-AI applications live or in the works. He also oversees Epic's partnerships with healthcare AI companies including Microsoft's Nuance and the startup Abridge. See Business Insider's full AI Power List

Persons: who's, Rana Organizations: Cleveland Clinic, Mayo Clinic, Massachusetts General Hospital, Rana Locations: Massachusetts

☆ Emma Strubell Is Identifying More Sustainable Systems to Power AI
▼ + stars: | 2024-10-24 | by ( Monica Melton | ) www.businessinsider.com time to read: 1 min

In front of a whiteboard from a classroom at Carnegie Mellon University, Strubell explains the Jevons effect, in which the gains from increased efficiency of a technological tool could be negated as use increases. The concept has come into focus as the conversation shifts to efficiency, AI, and the environment. Though they are a proponent for the advancement of AI, Strubell told Business Insider. Their work as an assistant professor at Carnegie Mellon's Language Technologies Institute asks students and researchers to examine the systems that power AI to discover more efficient and environmentally friendly raw materials that power AI. See Business Insider's full AI Power List

Persons: Strubell, Jevons Organizations: Carnegie Mellon University, Business, Carnegie Mellon's Language Technologies

☆ Interview: Salesforce CEO Marc Benioff bashes Microsoft as generative AI threatens his company's CRM lead
▼ + stars: | 2024-10-24 | by ( Ashley Stewart | ) www.businessinsider.com time to read: +7 min

In a Business Insider interview this week, he let loose again, blasting Microsoft's Copilot AI assistant, while touting the Salesforce AI agents that are rolling out soon. In the interview with BI, Benioff focused on Salesforce's continued lead in the CRM market, rather than Microsoft's creeping gains. Generative AI may change CRMGenerative artificial intelligence may be a new challenge to Salesforce and especially its lead in CRM software. He cited CRM software, which replaced the physical Rolodex and helped salespeople keep in better touch with their contacts. It helps companies create their own AI agents to assist with tasks such as customer service and sales.

Persons: —, Marc Benioff isn't, Benioff, Copilot, Salesforce's, Rishi Jaluria, salespeople, Salesforce, Jaluria, It's, Morgan Stanley, Einstein, Agentforce Organizations: Microsoft, Salesforce's, Service, IDC, RBC Capital Markets

☆ LLM owners will need to pay publishers to get access to training data: Gene Munster
▼ + stars: | 2024-10-21 | 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 EmailLLM owners will need to pay publishers to get access to training data: Gene MunsterGene Munster, Deepwater Asset Management, joins 'Fast Money' to talk risks to the GenAI business model, publishers suing Perplexity, and more.

Persons: Gene Munster Gene Munster, Perplexity Organizations: Deepwater Asset Management

☆ Wall Street is trying to make AI search sexy
▼ + stars: | 2024-10-18 | by ( Bianca Chan | ) www.businessinsider.com time to read: +8 min

Finance firms and fintech startups are trying to use generative AI to improve search capabilities. Perfecting search, down the line, could lead to more automation and more complex generative AI tools. It has already onboarded some-25 Wall Street firms onto its generative AI platform. AdvertisementMeanwhile, two Stanford grads came together to build Mako, a generative AI associate for the private-equity industry. The search tool is the bank's second such generative AI tool, the first being a generative AI developer co-pilot that helps software engineers code more efficiently.

Persons: Goldman Sachs, Blackstone, —, Goldman hoovered, Neema Raphael, Raphael, it's, Morgan Stanley's, Keri Smith, Smith, Jeff McMillan, Gabe Stengel, Stanford grads, It's, Peter Anderson, Familiarizing, Goldman Organizations: Service, Bloomberg, Nasdaq, Goldman, Blackstone, Google, Bank of America's, Accenture, Stanford, Balyasny Asset Management Locations: Wall, OpenAI

☆ Don't get blinded by the Fed rate cut trade and the signs of life in small cap stocks
▼ + stars: | 2024-10-17 | by ( Zev Fima | ) www.cnbc.com time to read: +9 min

With the Federal Reserve now cutting interest rates, investors are looking for stocks that can be super-charged by lower borrowing costs. Small and medium-sized companies tend to be the most closely affected by the direction of the economy and rates. Outflows were seen solely in large caps; small and mid-caps saw inflows." If money does keep flowing into small caps, will it come at the expense of large caps? .SPX mountain 2022-10-01 S & P 500 since Oct. 1, 2022 That said, if the move into the smaller caps stocks continues, we may start to see more competition for capital.

Persons: Russell, that's, it's, Stanley Black, Decker, Jim Cramer, Jensen Huang, Morgan Stanley's, We're, Canaccord Genuity, pare, Jim Cramer's, Jim, Michael Nagle Organizations: Federal Reserve, BMO Capital Markets, Bank of America, Nvidia, CNBC, Blackwell, Taiwan Semiconductor Manufacturing Company, Devices, Broadcom, Apple Intelligence, Apple, Microsoft, Presidential, Jim Cramer's Charitable, New York Stock Exchange, Bloomberg, Getty Locations: U.S

☆ Citi names 'underappreciated' AI stock as a top pick — giving it 25% upside
▼ + stars: | 2024-10-16 | by ( Ganesh Rao | ) www.cnbc.com time to read: +3 min

Citi has named Pegasystems one of its new top picks, citing an "underappreciated" artificial intelligence story and attractive valuation. The Wall Street bank has set a target price of $92 for Pegasystems, representing a potential 25% upside from its current trading price of around $73.50. Pegasystems, an enterprise software firm, has seen its stock price surge by over 50% year-to-date, outperforming the broader iShares Expanded Tech-Software Sector ETF , which is up nearly 14% this year. Citi analysts view this development as a catalyst for the stock to rise. On a fundamental level, Citi's analysts also believe that Pegasystems' unique approach to artificial intelligence, particularly its "blueprint" strategy, sets it apart from competitors, calling it an "underappreciated gen AI story."

Persons: PEGA, Pegasystems, Appian, Steven Enders, George Kurosawa, JMP, — CNBC's Michael Bloom Organizations: Citi, Software, Appian Corporation, Virginia, Wall, Revenue Locations: Massachusetts

☆ Generative AI startups get 40% of all VC investment in cloud amid ChatGPT buzz
▼ + stars: | 2024-10-16 | by ( Ryan Browne | ) www.cnbc.com time to read: +5 min

Cloud startups raised $62.5 billion in Europe, Israel and the U.S. in 2023, the report found. Funding is up 65% from the $47.9 billion cloud firms raised four years ago, according to Accel. AI is eating softwareMuch of the growth of funding in cloud is being driven by excitement around AI. Globally, companies building so-called foundational models, which power much of today's generative AI tools, account for two thirds of overall funding for generative AI firms, Accel said. Big Tech's AI splurgeThe U.S. took the lead globally in terms of overall regional generative AI investment raised.

Persons: OpenAI, ChatGPT, Philippe Botteri, Botteri, Accel's, Anthropic, Elon Musk's xAI, Britain's, France's Mistral, Accel, Dev Ittycheria, Ittycheria Organizations: Accel, Venture, Microsoft, CNBC, Accel —, Nasdaq, Alpha, Google Locations: U.S, Europe, Israel, genAI

☆ HSBC exec says there's a lot of AI 'success theater' happening in finance
▼ + stars: | 2024-10-09 | by ( Ryan Browne | ) www.cnbc.com time to read: +8 min

Jaap Arriens | NurPhoto via Getty ImagesLONDON — Increasingly many financial services firms are touting the benefits of artificial intelligence when it comes to boosting productivity and overall operational efficiency. Despite bold statements, a lot of companies are failing to produce tangible results, according to Edward J Achtner, the head of generative AI for U.K. banking giant HSBC . One example he gave was a partnership that HSBC has in place with internet search titan Google on the use of AI technology anti-money laundering and fraud mitigation. Boteju stressed that Lloyds is "proceeding with caution" when it comes to exposing the bank's customers to generative AI tools. Generative AI, on the other hand, is a more nascent technology, according to the Lloyds exec.

Persons: Jaap Arriens, Edward J Achtner, Achtner, Ranil Boteju —, Nathalie Oestmann, ChatGPT, Klarna, headcount, Sebastian Siemiatkowski, Siemiatkowski, Oestmann, Boteju, Banks, we've, Bahadir Yilmaz, Yilmaz, It's, Johan Tjarnberg Organizations: NurPhoto, Getty, HSBC, Leadership, Lloyds Banking Group, NV Ltd, Royal Albert Hall, Microsoft, Google, BBC, NV, CNBC, Lloyds, ING Locations: London

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