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☆ AI in Insurance: How three forward-looking insurers are infusing AI into their front, middle, and back offices
▼ + stars: | 2022-10-19 | by ( Insider Intelligence | ) www.businessinsider.com time to read: +3 min

Insider Intelligence details AI use cases within the insurance industry, and explores potential risks to this tech. download the app Email address By clicking ‘Sign up’, you agree to be contacted by Insider Inc. and receive emails from Insider Intelligence and eMarketer (e.g. And insurers are integrating AI implementations across their front, middle, and back offices in order to fend of tech-savvy startups. To help insurance professionals navigate this digital transformation, Insider Intelligence put together the AI in Insurance Report. The report assesses the business impact of insurers that choose to implement AI in their front, middle, and back offices.

☆ Gen X amid the Pandemic: How Their Finances, Shopping Behavior, and Digital Usage Look
▼ + stars: | 2022-10-18 | by ( Insider Intelligence | ) www.businessinsider.com time to read: +3 min

In the Gen X amid the Pandemic Report, Insider Intelligence assesses US Gen Xers' finances and how they've been affected by the pandemic. Many Gen Xers have yet to recover from the Great Recession, and the pandemic didn't help the unstable financial health of this cohort. Gen X remote workWith no sign of retirement in sight, Gen X has had to adapt to a completely digital, remote-work atmosphere. Gen X spending habitsXers became more digital in their shopping during the pandemic. In this report, we assess US Gen Xers' financial standings and how they've been affected by the pandemic.

☆ A blue-collar worker who retired early thanks to his real estate portfolio explains how he used a self-directed IRA to buy property and scale up his portfolio
▼ + stars: | 2022-10-18 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +7 min

Buying real estate with an IRA can be a complicated strategy, but it's possible. He bought his first rental property in 2017 by taking out a home equity line of credit (HELOC). He did have a Roth IRA, however, and he learned how to buy real estate with it from a YouTube video. He sold the stocks in his Roth IRA and put the money in a SDIRATo hold real estate in an IRA, it has to be self-directed. With real estate, property values may drop.

☆ The Embedded Finance Explainer: Nonfinancial companies are increasingly looking to offer financial products via their platforms—here's how innovative FIs can partner with them to capture a $7 trillion
▼ + stars: | 2022-10-18 | by ( Insider Intelligence | ) www.businessinsider.com time to read: +3 min

Embedded finance is an emerging software distribution model that is promising—or threatening—to reshape the financial services industry. The global embedded finance market is still nascent, but its growth potential is enormous. To help financial service leaders navigate this emerging market, Insider Intelligence detailed key embedded finance trends and potential growth opportunities. Embedded finance marketEmbedded finance companies, including those pivoting into the trend, will reach a market cap of $7.2 trillion globally by 2030. Insider Intelligence's Embedded Finance Explainer defines the concept of "embedded finance" and explains its potential impact on how financial services and products are distributed and consumed.

☆ Best Online Stock Trading Platforms of 2022
▼ + stars: | 2022-10-15 | by ( ) www.wsj.com time to read: +15 min

Luckily, the past few years has seen a profusion of online stock trading platforms. We spent hours comparing more than a dozen stock trading platforms looking for the most intuitive tools, in-depth research and access to guidance and other educational content. We considered all of this when making our picks for the Best Stock Trading Platforms of 2022. How we pickedTo pick Buy Side from WSJ’s best stock trading platforms, we reviewed offerings from more than a dozen companies. Morgan Stanley is the corporate parent of E*Trade, one of the stock trading platforms considered for this story.

☆ 3 ways college students can make the most of professional networking sites
▼ + stars: | 2022-10-13 | by ( Ashton Jackson | ) www.cnbc.com time to read: +2 min

However, most of us don't put that same dedication toward professional networking platforms, which could be hindering potential job opportunities. Similarly, when using Handshake, a recruiting platform for college students, 80% of students who completed their profiles were contacted by recruiters. "Complete your experience, complete what you're interested in, and make sure you note the geographic areas that you would be open to. Note whether or not you're interested in part-time versus full-time opportunities right now. Students can also sign up for webinars, panels, and information sessions on Handshake for companies or organizations they may be interested in.

☆ Sports gambling opportunities for marketers
▼ + stars: | 2022-09-22 | by ( Paul Verna | ) www.businessinsider.com time to read: +7 min

And sports gambling, which is now legal in nearly half the US, is emerging as a market opportunity for brands and broadcasters alike. Legalized sports gambling in the US will generate $2.1 billion in revenues this year. It also tallies states with active sports gambling legislation as well as those with no legislation or dead legislation. As of May 2021, sports gambling was legal and active in 21 states plus the District of Columbia. In addition, MGM Resorts International projects that sports gambling will generate $13.5 billion by 2025, with 38 US states participating by that time.

☆ Fact Check-Idaho’s government is not offering ‘porn literacy’ courses to students
▼ + stars: | 2022-09-21 | by ( Reuters Fact Check | ) www.reuters.com time to read: +6 min

Viral claims that the Idaho Department of Health and Welfare (DHW) is purchasing “porn literacy” materials and including them in their curriculum for students are untrue. On Sept. 13, the IFF published an article titled “Idaho’s government offers “porn literacy,” other corrupting practices to k-12 students,” (here). (The article’s first paragraph uses different wording to the headline, saying the DHW purchases “materials and training” from ETR “an interest group promoting porn literacy” – not that Idaho’s DHW offers porn literacy). The descriptions of the courses and table of contents make no mention of pornography or “porn literacy.” Stahl told Reuters the agency never considered the use of any “porn literacy” materials. Idaho Department of Health and Welfare (DHW) has not purchased “porn literacy” materials and included them in sex-ed curricula for students.

They strategized on what they want to do next: elect their own candidates to school boards, pass state legislation and diminish the influence of teachers unions. “It’s been said we’re some political powerhouse,” said Tiffany Justice, who co-founded Moms for Liberty in January 2021 with Tina Descovich. Moms for Liberty founders Tiffany Justice, left, and Tina Descovich present the Liberty Sword to Gov. “When I’m going up there by myself, the school board overlooks you,” said Ken Davenport, a father from a chapter in Orange County, Florida, who is running for state representative. Ron DeSantis, is joined by her 5-year-old daughter, Madison, after a question and answer session at the Moms for Liberty Summit.

☆ How a nonprofit business school helps companies overcome challenges to building a robust governance strategy
▼ + stars: | 2022-07-08 | by ( Erica Sweeney | ) www.businessinsider.com time to read: +8 min

That's where the INSEAD Corporate Governance Centre steps in. "We address the latest trends, topics, and challenges in corporate governance not only from the academic perspective but also practitioner, a practice-based perspective from real-life experience," she added. Here's an overview of how an effective corporate governance strategy benefits companies, the challenges organizations face in building a strategy alone, and how ICGC steps in to help. There's growing pressure and scrutiny on boards and companies' corporate governance strategies from internal and external stakeholders, Tatar added. ICGC partners with the European Confederation of Directors Associations, the Ukrainian Corporate Governance Academy, the Hellenic Corporate Governance Council, and the Corporate Governance Hub.

☆ Klarna and Affirm tout new partnerships despite market uncertainty
▼ + stars: | 2022-06-02 | by ( Adriana Nunez | ) www.businessinsider.com time to read: +4 min

Klarna expanded its partnership with Marqeta to bring physical cards to the US, while Affirm made its BNPL product available to Stripe merchants. Get a daily newsletter packed with financial services data, insights, and analysis from the Insider Intelligence team. download the app Email address By clicking ‘Sign up’, you agree to be contacted by Insider Inc. and receive emails from Insider Intelligence and eMarketer (e.g. The physical Klarna card lets customers pay for purchases in four interest-free installments online or in-store. >> Browse Our CoverageCurrent subscribers can access the entire Insider Intelligence content archive here.

☆ I made $50,000 self-publishing on Amazon KDP last year. Here are my top 3 tips for generating sales as a self-published author.
▼ + stars: | 2022-05-19 | by ( Meera Kothand | ) www.businessinsider.com time to read: +6 min

She shared her three tips for marketing self-published books to generate continuous sales. I self-published my first book, "The One Hour Content Plan," in 2017 on Amazon. AdvertisementAdvertisementThat single self-published book has grown into a library of 11 self-published books earning more than $50,000 in royalties in 2021. AdvertisementAdvertisementMultiple of my self-published books revolve around content planning. Your self-published books are unlikely to continue to sell or skyrocket your business unless you are proactive about marketing.

Persons: Meera Kothand, —, I've, you've Organizations: Kindle, Service, Publishing

Once this break is over and it's time to return to work, it can be difficult. Therefore, getting your career back on track after a break depends to a large extent on tackling these problems. Here are some keys to be able to start this new working stage in the best possible way, according to the experts. How to tackle an interview after a career gap — explain the break if you want to, but put it in a positive lightExperience shows that explaining the reason for a career break can help in the job interview. Few things help you find a job as well as networking, so don't be shy about indicating that you're looking for one.

Puerto Rico Federal Credit Union Regular Actions Account Learn more On Puerto Rico Federal Credit Union's secure site. Puerto Rico Federal Credit Union Easy Access Checking Account Learn more On Puerto Rico Federal Credit Union's secure site. Puerto Rico Federal Credit Union Share Certificate Learn more On Puerto Rico Federal Credit Union's secure site. How Puerto Rico Federal Credit Union worksPuerto Rico Federal Credit Union is a Hispanic American-led financial institution with one branch in Caparra and a second in Quebradillas. How Puerto Rico Federal Credit Union comparesWe compared Puerto Rico Federal Credit Union to two other Hispanic American-led credit unions in Puerto Rico: Caribe Credit Union and VAPR Federal Credit Union.

Pros Check mark icon A check mark. Can exchange more than 100 crypto assets Check mark icon A check mark. Variety of educational resources and tutorials on cryptocurrencies Check mark icon A check mark. Buy, sell, or store more than 170 cryptocurrencies like bitcoin and dogecoin Check mark icon A check mark. While the standard Coinbase account includes crypto trading, Coinbase Earn, Coinbase Card, wallet services (Kraken doesn't offer a wallet), and more, Coinbase Pro caters to more advanced traders.

☆ Facebook will experience its slowest US user growth ever in 2021
▼ + stars: | 2021-06-16 | by ( Debra Aho Williamson | ) www.businessinsider.com time to read: +5 min

Facebook will experience its slowest growth ever in 2021 at just 0.8%. In 2021, the number of monthly Facebook users in the US will increase by less than 1% year over year, the platform's lowest annual growth rate to date. In 2021, the number of monthly Facebook users in the US will increase by less than 1% YoY. While the platform will gain 19.4 million users ages 25 and older between 2019 and 2025, it will lose 4.1 million users ages 12 to 24 during that time frame. Its sister property Instagram ranks second with 118.9 million monthly users expected this year, followed by Pinterest with 91.1 million.

☆ Nearly a third of US media time will be on mobile this year
▼ + stars: | 2021-06-16 | by ( Yoram Wurmser | ) www.businessinsider.com time to read: +5 min

Time spent with mobile increased by an average of 31 minutes per US adult in 2020, reaching 4 hours and 16 minutes. Nearly a third of their daily time spent with media will be on mobile. Prior to the pandemic, we expected growth in mobile time spent to slow and level off within a few years. Mobile will account for close to a third (33.2%) of time spent with any form of media in 2021. In 2019, the number of adult smartphone users grew 4.1% YoY.

☆ Key trends helping payments disruptors take on financial services
▼ + stars: | 2021-06-15 | by ( Daniel Keyes | ) www.businessinsider.com time to read: +4 min

Payments service providers are building an array of financial services to compete with financial institutions (FIs). Payments service providers are building an array of financial services to compete with financial institutions (FIs). Two trends are powering service providers' pushes into financial services: one from their own industry and another from banks and fintechs. The emergence of new digital distribution models for financial solutions has armed service providers with the tools to offer their clients financial services. And since those relationships are influenced by their established nonfinancial services offerings, their past operations may be just as important to their financial services pushes as their financial services themselves.

☆ US adults will consume almost as much media as last year, but TV viewing will decline
▼ + stars: | 2021-06-07 | by ( Audrey Schomer | ) www.businessinsider.com time to read: +4 min

Most of those increases will stick in 2021; but traditional TV will lose all its 2020 gains. Although adults will spend nearly as much time with media this year, their TV viewing time will drop below pre-pandemic levels. Some traditional media formats like TV and print newspapers saw growth for the first time in years, while time others fell slightly. But average time spent with traditional media will decrease by 5.7% in 2021, a decline largely attributable to people spending less time watching traditional TV. The average US adult will spend 18 less minutes consuming traditional media this year—16 of which will come from declines in TV viewing time.

☆ What's pushing growth in proximity mobile payment usage?
▼ + stars: | 2021-06-03 | by ( Jaime Toplin | ) www.businessinsider.com time to read: +5 min

Mobile proximity and peer-to-peer (P2P) payments have hit the mainstream, thanks to a pandemic-driven upswing in digital payments. We present our eMarketer forecasts for growth in the mobile proximity and mobile P2P payments space, as well as assess top players in each area. These were aimed at narrowing the gap between proximity payments, P2P, and mcommerce providers as wallet companies aimed to meet all mobile payment needs. Proximity Mobile Payment UsersAfter a 2020 surge, mobile proximity payment user growth rates will temper slightly before winding down to a 4.0% rise in 2025 as the sector matures, due to expansions in access and generational growth. The pandemic effect on proximity mobile paymentsPre-pandemic, a fifth of US adults who hadn't yet adopted mobile proximity payment technology expressed an interest in doing so, according to a 2020 Total System Services report.

☆ How retail companies are reducing friction in online and offline transactions
▼ + stars: | 2021-05-26 | by ( Jeremy Goldman | ) www.businessinsider.com time to read: +5 min

And consumers have been moving toward demanding more frictionless payment methods across online and offline channels. For some time now, consumers have been moving toward demanding more frictionless payment methods across online and offline channels. Ecommerce retailers, not to be outdone, are finding ways to improve their transactions as well. Data suggests adults plan to continue to use touchless payment methods after the pandemic is over. One of the ways brands and retailers are working to reduce ecommerce friction is providing more payment methods at checkout.

☆ US TV advertisers will spend close to $20 billion in this year's upfronts
▼ + stars: | 2021-05-25 | by ( Ross Benes | ) www.businessinsider.com time to read: +3 min

Advertisers will spend $19.90 billion upfront in the 2021-2022 TV season, an increase of 7.6% over the previous cycle. Our upfront TV ad spending forecast includes TV ad spending resulting from the national primetime TV upfronts. In June 2020, we had forecast a 27.1% decrease in that season's upfront TV ad spending. We now estimate just a 3.5% dip, however, as advertisers spend $18.50 billion on upfront commitments with TV networks. When we compare the 2020–2021 season with the cycle two years prior, we see about a $2 billion drop in upfront TV ad spending.

☆ Influencer marketing stats: How creators have impacted businesses in 2021
▼ + stars: | 2021-05-17 | by ( Insider Intelligence | ) www.businessinsider.com time to read: +4 min

Nearly 68% of US marketers from companies with 100 or more employees will use influencer marketing in 2021. Most brands today have incorporated influencer marketing into their media plans, and many intend to allocate even more funds to the tactic this year. Insider IntelligenceInfluencer marketing 2021 forecastAccording to our latest forecast, 67.9% of US marketers from companies with 100 or more employees will use influencer marketing in 2021, up from 62.3% last year. "Social commerce in particular has made influencers very powerful," said Stacy DeBroff, founder and CEO of influencer marketing platform Influence Central. According to January 2021 research by Influencer Marketing Hub and influencer marketing platform Upfluence, 62% of marketers worldwide said they intend to increase their influencer marketing budgets this year, while one-fifth expecting their influencer budgets to remain the same as they were in 2020.

☆ Advertising for Latin American brands are pursuing more diversity in campaigns
▼ + stars: | 2021-05-14 | by ( Insider Intelligence | Matteo Ceurvels | ) www.businessinsider.com time to read: +6 min

Many consumers in Latin America are no longer content to let brands sit on the sidelines of tough conversations. The following is a preview of one Media, Advertising, and Marketing report, the Analyst Take: How Brands in Latin America Are Addressing Diversity and Representation in Advertising. Latin America is a region of many paradoxes. Latin America companies promoting diversityLatin American ecommerce giant Mercado Libre is one example of a regional company that has embraced diversity in its marketing materials. The campaign also partnered with Young, Gifted, and Black (YGB), an image bank that offers photos taken by Black women, of Black women.

☆ Ethos scores a $2 billion valuation after raising a $200 million to disrupt life insurance
▼ + stars: | 2021-05-13 | by ( Victor Chatenay | ) www.businessinsider.com time to read: +3 min

US-based insurtech Ethos achieved a $2 billion valuation following a $200-million Series D round. Get a daily newsletter packed with financial services data, insights, and analysis from the Insider Intelligence team. Founded in 2016, Ethos offers both term and whole life insurance underwritten by partner carriers . It can take weeks for consumers to access life insurance coverage due to back and forth with incumbents, often including a doctor's visit and blood tests. And booking such exams got harder last year as doctors were called to the pandemic fight, making life insurance applications all the more arduous.

Persons: insurtech, Jay, Robert Downey Jr, Will Smith, insurtechs Organizations: Intelligence, Insider Intelligence, Banking, Insider Inc, Service, Ethos

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