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​Why credit-card hackers love America

first_imgby: Aimee PicchiIf you live in America and use plastic to make purchases, chances are you’ve been alerted to fraudulent activity on your account.America is now the favorite haunt of credit-card fraudsters, with a report from Barclays finding that 47 percent of all global card fraud affects cards issued to U.S. residents, even though the U.S. only represents 24 percent of card volume, according to Quartz. Barclays didn’t immediately return a request for comment.While some might suspect Americans have a target painted on the back of their credit cards because they live in a rich country, there’s actually a technical issue that’s attracting criminals. The U.S. lags other countries in its rollout of cards that are designed to stymie fraud. Most American credit cards still rely on magnetic strips, which are easy to copy, while Europe and other regions have moved forward with chip-and-pin cards, also known as EMV cards, which stands for Europay, MasterCard and Visa.EMV cards include embedded microchips that store customer data, which is considered more secure because retailers and card processors don’t store the card data in their systems. With magnetic strip cards, the card number is released to the retailer, which is why so many American retailers — from Target (TGT) to Staples (SPLS) — have been hit by hackers in the last few years. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Working out and getting outside can aid learning

first_img 51SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Pembroke Since joining CUES in March 2013, John Pembroke has played a leadership role in developing and launching a new direction in CUES’ strategy, branding and culture. Under his guidance, CUES … Web: www.cues.org Details At CUES we have great staff members with a variety of learning styles. For example, we have people who like visuals, people who appreciate perspectives from outside the industry to broaden their thinking, and people who need to do something hands-on with the material to really make it their own.But despite their different styles, CUES staffers tend to agree that “taking a break” or “moving around” or “getting outside” helps them gain clarity, put their learning in perspective, and even think of new questions that help them dig deeper into what they have learned.This anecdotal finding in our office is supported by research that finds physical exercise after learning helps with retention—and spending time in nature helps sharpen our minds. A study published July 11 in the journal Current Biology finds exercising four hours after learning a task can improve memory and help people retain information better. And research by Harvard physician Eva M. Selhub, co-author of Your Brain on Nature, has found that time outdoors results in increased concentration, improved memory, and greater creativity and productivity.CUES has two great events coming up that offer opportunities for exercise and time outside as ways participants can boost their learning. From Aug. 28-31, CUES will host Execu/Net™ in Fish Camp, Calif., near Yosemite. The marketing copy on our website for this event boasts an “innovative agenda and spectacular location.” In light of the research, this means attendees will not only be exposed to great new ideas (like thriving in a world of digital disruption), but also have an opportunity to make them stick or get new perspective on them when they go outside to hike or fish.The same is true for Execu/Summit, slated for March 5-10, in Snowmass Village, Colo. This meeting’s unique schedule bookends educational sessions around mid-day opportunities to ski or enjoy other outdoor activities in the mountains. When attendees go outside, they’ll be integrating what they’re learning about leadership behaviors that can increase organizational performance; the potential for proactive strategic mergers; and aligning the board and executives for better success.Not every CUES event offers these built-in opportunities to integrate learning through exercise and time in nature. But each one does strive to meet the needs of a variety of learners. If you’re someone who appreciates great learning with being time efficient, for example, be sure to track the news of our new Payments University, which will combine live-taught online courses with classroom sessions led by world-class instructors. And stay tuned as CUES continues to evolve its offerings. We’re sure you’ll find one or several to be just right for you.last_img read more

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The undeniable trends shaping banking

first_imgExpect the unexpected. That’s the world we live in today, especially for those of us in financial services. The only thing advancing faster than technology is consumer expectations, and keeping up with those expectations is a necessity. Because if we don’t, someone else will. New entrants are redefining financial experiences and challenging incumbent financial institutions by driving technological innovation in pursuit of meeting changing consumer expectations.This week, Fiserv is taking part in Money20/20, which has quickly become one of the premier events for payments and financial services innovation. I was invited to share my thoughts on the trends impacting banking with the Money20/20 audience and discussed the top areas I believe are critical for financial institutions. Counting down the top four:4. Power of AnalyticsThere is no shortage of data today, and volume is growing exponentially – of all the data in the world, 90 percent has been created in the last two years. Analytics provides the power to turn the sea of transactional data that financial institutions already possess into actionable information. continue reading » 79SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Coffee roasters fear port logjams could disrupt supplies

first_img“Demand has been strong,” Nelson Salvaterra, a broker in Rio de Janeiro-based Coffee New Selection, said in a telephone interview. “I’ve never sold so much coffee in March.”The type of delays that buyers fear are already on display in Uganda, where a container shortage and public transport ban are affecting shipping staff and delaying cargoes.In India, the nation’s coffee board is still issuing export permits for April, but exporters willing to sell are “few and far between” as shipments for March are still delayed at the port, Volcafe, the coffee unit of commodities trader ED&F Man, said in a report Friday.In other coffee-producing countries like Colombia and Costa Rica ports have been operating normally while a smaller-than-expected harvest in Honduras has made suppliers there tight, Salvaterra said. Topics : The world’s biggest roasters of coffee beans are looking to bring forward orders from top exporting nation Brazil as a hedge against coronavirus-related port disruptions.Nestle SA, Jacobs Douwe Egberts and Keurig Dr Pepper Inc. are among buyers requesting to have some of the coffee beans they contracted shipped earlier, people with direct knowledge of the matter said, asking not to be identified because the information is private. For instance, June shipments would be sent in April and those for July in May, the people said.While Brazilian ports are running normally, disruptions in places such as India and tight availability of containers in Uganda are prompting buyers to secure supplies quickly in case interruptions spread. Demand for accelerated coffee deliveries is widespread, with Spain and Italy the exceptions given ports there are already operating below capacity, one of the people said.center_img While JDE has asked to advance some shipments, the company is mostly picking up additional supplies needed in the spot market, the people said. The company said that since the outbreak of Covid-19 in Europe, it “has experienced a significant increase in demand forecasts from its retail customers. To accommodate this increased volume we are actively sourcing the required ingredients.”Keurig didn’t respond immediately to requests for comment. Nestle said “the supply of coffee beans remains within the deadlines agreed with the partners, and there is no change that impacts the supply in this regard.”‘Hangover’ coming?The push for early shipments comes just weeks after some of the world’s top coffee traders warned of potential disruptions. Volcafe told clients that logistical holdups were expected to become “more widespread” throughout major producing countries and Sucafina SA encouraged clients to place orders as soon as possible to ensure they get beans on time.For top coffee producer Brazil, the requests from roasters signal an increase in shipments through April.Brazil’s green coffee exports in March probably were higher than the 2.4 million bags shipped in February, Carlos Alberto Fernandes Santana, director at Empresa Interagricola SA, a unit of Ecom Agroindustrial Corp. He expects a similarly unusual increase in April.Coffee sales have also increased as consumers stockpile in their homes.“The question is now what happens from May, which is when the coronavirus impact on real coffee demand may be clearer,” he said. “What we have seen is demand being brought forward rather than an increase. We may see some hangover for the coffee market between May and June.”last_img read more

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Divestment data points to cashflow-negative shift for UK pensions

first_imgUK pension funds could be reaching a “tipping point” into cashflow-negative status, data from the Office for National Statistics (ONS) suggests.The ONS recorded a net disinvestment of £15bn (€17.3bn) by pension funds and insurance companies in the third quarter of 2016.It was only the fifth time in 30 years the ONS’s survey of institutional investors recorded net outflows but the second time in three quarters after a net disinvestment of £3bn in Q1 2016.Sorca Kelly-Scholte, head of the EMEA pension solutions and advisory group at JP Morgan Asset Management, said the data was “a marker of pension funds becoming more mature”. “There are two reasons for the disinvestment,” Kelly-Scholte said. “One is a tactical play: Investors see toppy valuations and a reflationary environment coming back, and they think they have got to have cash while this plays out.“This doesn’t explain it all. Either [pension funds] are not reinvesting income, or they’re selling assets. That money is coming out of the long-term asset pool. It will be very interesting to see if it’s a tipping point.”#*#*Show Fullscreen*#*# While similar patterns were observed in the ONS’s data at times of market stress – the bursting of the tech bubble and the peak of the financial crisis, specifically – the 2016 figures were not fully offset by a switch into cash and short-term assets.The ONS data showed net withdrawals of £11bn from overseas equities and £8bn from UK equities.Meanwhile, an aggregate £2bn was invested in short-term assets.UK corporate bonds saw £4bn of net investment.“Net disinvestment at a total level is unusual and may be influenced by changes in investor confidence in the economic environment,” the ONS said in its MQ5 statistical release.However, the ONS said a “very limited number” of respondents to its survey had cited Brexit as a factor in their Q3 decisions.The UK voted to leave the European Union on 23 June, making Q3 the first set of investment data from the ONS post-referendum.Kelly-Scholte said: “A lot of moves post-Brexit would have been tactical. I’m not sure we can point to Brexit as the main cause of flows.”Instead, she pointed to asset class trends such as a continued collective move into alternatives, such as infrastructure and real estate.The ONS’s statistical release is available here.last_img read more

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AA wants random drug driver tests

first_imgRadio NZ News 8 January 2017Family First Comment: “..drug driving was a silent killer on the country’s roads because a lot more drivers involved in fatal crashes were found to have drugs in their system, than people thought.”But dont dope supporters say dope never killed anyone?!#saynopetodopeIt’s our silent killer, now the Automobile Association says there needs to be random roadside testing for drugs, similar to alcohol.The AA’s spokesperson, Dylan Thomsen, said drug driving was a silent killer on the country’s roads because a lot more drivers involved in fatal crashes were found to have drugs in their system, than people thought.Blood samples taken from 1046 drivers killed in fatal crashes between 2004 and 2009 found that 1 in 3 had some type of drug in their system, mostly cannabis.Mr Thomsen said most people were aware of the dangers of drink driving and alcohol but there were a lot of people who didn’t see drugs, including cannabis, in the same way.The Ministry of Health estimates that about 130,000 New Zealanders use cannabis at least once a week and 1 in 3 cannabis users admitted driving stoned in the 2015 cannabis use survey.He said many drove without realising the risks involved and some even thought they were better drivers when they were stoned, taking risks they otherwise wouldn’t.“The risks are that it slows down your reactions, it makes you more likely to miss seeing something.“You can become extremely focussed on one thing and not be taking in some of that wider information. So you might be really focussed on controlling your speed, and you aren’t seeing that vehicle that’s coming from the side.”READ MORE: http://www.radionz.co.nz/news/national/321967/aa-wants-random-drug-driver-testsKeep up with family issues in NZ. Receive our weekly emails direct to your Inbox.last_img read more

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Cardboard beds to be used in  Athletes’ Village at Tokyo 2020

first_img The cardboard beds are expected to be recycled following the Games. According to Kyodo News, rooms in the Athletes’ Village will include bedclothes, closets and tables, while fridges and televisions can be rented. Read Also:Bach: No protests at Tokyo Olympics Laundry services will be free of charge, while a dining hall will be open for 24 hours during the Games. The Athletes’ Village will be renovated and sold as apartments and tower blocks following the Olympic and Paralympic Games. FacebookTwitterWhatsAppEmail分享 The Athletes’ Village is based in the Harumi waterfront district of Tokyo. The Village consists of residential buildings, which will have 18,000 beds during the Olympic Games, reduced to 8,000 beds during the  Paralympic Games. Organisers have now revealed the bed frames will be made of “sturdy recycled cardboard”. It is claimed this is part of efforts to ensure the Olympic and Paralympic Games are environmentally friendly and sustainable.Advertisement Promoted ContentWho Is The Most Powerful Woman On Earth?What Happens To Your Brain When You Play Too Much Video Games?Insane 3D Spraying Skills Turn In Incredible Street ArtA Soviet Shot Put Thrower’s Record Hasn’t Been Beaten To This DayBest & Worst Celebrity Endorsed Games Ever MadeEver Thought Of Sleeping Next To Celebs? This Guy Will Show You9 Facts You Should Know Before Getting A TattooIt Might Be Quentin Tarantino’s Last Movie7 Black Hole Facts That Will Change Your View Of The Universe7 Mesmerizing Facts About Hypnosis7 Thailand’s Most Exquisite Architectural WondersBirds Enjoy Living In A Gallery Space Created For Them Loading… Athletes are set to sleep on beds made of recycled cardboard at the Tokyo 2020 Olympic Games after organisers revealed further details  about the Athletes’ Village.last_img read more

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Bulldogs And Pirates Girls Track Sectional Results

first_imgThe Girls Batesville Track and Field team traveled to Franklin County to begin their tournament series and compete in Sectionals Tuesday night.  The night started off pretty warm but became very nice as the sun went down.  Although Batesville didn’t have any individual Sectional champions we had several runner ups and many advancing to Regional competition next week.  Overall Batesville placed 4th as a team out of 13.Final team results were as follows: 1) East Central 198, 2) Franklin County 97, 3) Greensburg 69, 4) Batesville 64,  5) South Dearborn 53, 6) North Decatur 44,  7) Lawrenceburg 29, 8) Oldenburg Academy 23,  9) Milan 17, 10) South Ripley 10,  11) South Decatur 9,  12) Jac-Cen-Del and Rising Sun 5To qualify for Regional competition, competitors must place in the top 3 of their event, meet the state qualifying standards or be one of the 16 best places in the Sectionals feeding into that Regional.  Batesville will have 3 individuals and all 3 relays advancing on to compete at Regionals next Tuesday at Shelbyville.  They include: Stephanie Nobbe-runner up in the 200m dash, 3rd in 100m dash; Haylee Harmeyer-runner up in the 400m dash; Liz Loichinger-4th in the 1600m run (advancing as one of the 16 fastest times); 4 x 800m relay: runner up with Liz Loichinger, Emma Gausman, Britany Venis, Haylee Harmeyer (alternates include: Trysta Vierling, Ava Ralston, Cheyenne Laker, Taylor Rowlett); 4 x 100m relay: 3rd place with Gabby Gibbs, Taylor Rowlett, Morgan Meyer, Stephanie Nobbe (alternates include: Kayla Meyer, Michaela Nobbe, Roxi Hund, Haylee Harmeyer); 4 x 400m relay: 4th place but advancing as one of the 16 fastest times with Stephanie Nobbe, Taylor Rowlett, Emma Gausman, Haylee Harmeyer (alternates include: Shalee Harrington, Roxi Hund, Liz Loichinger, Britany Venis).Congratulations to all advancing to Regionals!Others placing and leading our team to a 4th place finish were:5th place: Liz Loichinger-800m run6th place: Gabby Gibbs-high jump, Morgan Meyer-long jump7th place: Trysta Vierling-3200m run, Morgan Meyer-high jump, Kayla Meyer-pole vault8th place: Roxi Hund-300m hurdles, Emma Gausman-800m runThere were also some personal records achieved and they were:Long Jump-Morgan Meyer and Taylor RowlettDiscus-Rebecca Deputy1600m run-Liz Loichinger4 x 100m relay-Gabby Gibbs, Taylor Rowlett, Morgan Meyer, Stephanie Nobbe4 x 400m relay-Stephanie Nobbe, Taylor Rowlett, Emma Gausman, Haylee Harmeyer4 x 400m relay splits-Taylor Rowlett and Emma GausmanWay to go ladies!  Boys Sectionals is Thursday at East Central.  Good luck Dogs!Courtesy of Bulldogs Coach Lisa Gausman.The Lady Pirates competed in the IHSAA Sectionals hosted by Franklin County on Tuesday night. Three individual Sectional Championships were claimed by the Greensburg Girls. Brenner Hanna was crowned the 1600 & 3200 Sectional Champion and Lily Grimes defended her Shot Put Championship title and was the Runner Up Champion of the Discus throw. It was a great night as 4 individuals & 1 relay team advanced to Regionals! Anna West advanced in both shot and discus, Cathy Newhart advanced in the 3200, and the 4 x 800 relay team of Cami Jones, Cathy Newhart, Julia Ankney, and Brenner Hanna qualified for Regionals.As a team the Lady Pirates placed 3rd in a field of 13 teams at Sectionals.Regionals will be hosted by Shelbyville next Tuesday.Courtesy of Pirates Coach Katina Tekulve.last_img read more

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Salah donates £30,000 to help build an ambulance station

first_img Salah has paid for the facility to serve 30,000 people in Nagrig, which has been hit by the coronavirus pandemic.Advertisement Liverpool ace, Mohamed Salah, has donated £30,000 to build an ambulance station in his hometown in Egypt. Salah’s father, Salah Ghaly, joined regional mayor Tarek Rahmy to officially open the centre last week. read also:Liverpool to hold crunch talks with Mane, Salah over futures after title win Egypt forward Salah has previously paid for a girls’ school, sports facilities, medical equipment and land to build a sewage treatment plant in Nagrig. FacebookTwitterWhatsAppEmail分享 center_img Loading…last_img

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Look before you leap, Eagles coordinator advises Osimhen

first_img Loading… “He now has to think well before making any transfer. A player must watch where he is going, so that he does not end up on the bench. He should go only where he will be assured of playing in the starting line-up all the time. Once Osimhen goes to a club where he can play regularly and fit into their pattern, I know he will perform.” he told Mega Sports. read also:Osimhen has the heart of Drogba, sharpness of Eto’o, says Akatugba The Italians are reportedly ready to part company with €80m for the services of the Nigerian international as part of their rebuilding next season Haven starred in Belgium and France, Pascal said the 21-year-old has enough qualities to excel in the top league. Meanwhile, the transfer is expected to be announced after the discussion on his image right has been sorted. FacebookTwitterWhatsAppEmail分享 Super Eagles Coordinator, Patrick Pascal, has urged Lille striker, Victor Osimhen, to think well before moving to any club across the world. The former Nigeria player is more interested in the almost-concluded Osimhen’s €80million deal with the Italian club, Napoli and he believes the goal-getter is making the right decision on his career. “Osimhen has shown good quality already. He is a player that can fit into the first team of any club in Europe. We saw what he did with the under-17, under-20 and under-23 teams, and now the senior national team. That shows he is good.center_img Advertisementlast_img read more

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