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Apple is continuing the roll out of Apple Pay today with the addition of 20+ new US banks and credit unions supporting the iPhone, iPad and Apple Watch-based payments service.
The total 23 new banks and credit unions include:
American Chartered Bank
Bank-Fund Staff Federal Credit Union
Bellco Credit Union
First National Bank
Health Care Systems Federal Credit Union
Keesler Federal Credit Union
Kemba Credit Union
Members 1st Federal Credit Union
NorthStart Credit Union
Parsons Federal Credit Union
Randolph Brooks Federal Credit Union
Service Credit Union
SRP Federal Credit Union
SUMA (Yonkers) FCU
Tampa Bay Federal Credit Union
Tennessee Valley Federal Credit Union
Tri County Area Federal Credit Union
Trona Valley Federal Credit Union
United Teletech Financial
Winthrop Area FCU
The expansion comes ahead of the international expansion for Apple Pay with a UK launch planned for later this month. Apple previously confirmed the UK would be the first country outside of the US to get Apple Pay, and we reported last week that the company is currently preparing for a July 14th launch date. The service is expected to go live with all major banks and card issuers in the UK with the exception of Barclays. Banks supported at launch later this month will include first direct, HSBC, NatWest, Nationwide Building Society, Royal Bank of Scotland, Santander and Ulster Bank followed by Bank of Scotland, Coutts, Halifax, Lloyds Bank, MBNA, M&S Bank and TSB Bank later in the fall.
We’ve been keeping track of new banks and credit unions rolling out support for Apple Pay through the major card issuers since the US launch back in October. Here’s the full list:
1st Advantage Federal Credit Union
1st Financial Federal Credit Union
A+ Federal Credit Union
Affinity Federal Credit Union
Affinity Plus Federal Credit Union
Alliant Credit Union
Altra Federal Credit Union
Alaska USA Federal Credit Union
Amegy Bank of Texas
America First Credit Union
America’s Christian Credit Union
America’s Credit Union
American Airlines Credit Union
American Savings Bank
AmeriCU Credit Union
Andrews Federal Credit Union
Apple Federal Credit Union
Arizona Federal Credit Union
Austin Telco Federal Credit Union
Bank of America
Bank of Hawaii
Bank of Springfield
Bank of Utah
Baxter Credit Union
BayPort Credit Union
BB&T (Branch Banking & Trust)
BECU (Boeing Employees’ Credit Union)
Bellco Federal Credit Union
Bellwether Community Credit Union
Benchmark Federal Credit Union
Bethpage Federal Credit Union
Black Hills Federal Credit Union
Blackhawk Community Credit Union
BMI Federal Credit Union
BMO Harris N.A.
Box Elder Credit Union
California Bank & Trust
California Coast Credit Union
Cambridge Savings Bank
Campus USA Credit Union
Canton School Employees FCU
Capital City Bank
Capitol Federal Savings
Central Minnesota Credit Union
CFE Federal Credit Union
Changing Seasons FCU
Charles Schwab Bank
Christian Community Credit Union
Chrome Federal Credit Union
Citadel Federal Credit Union
Citizens Bank & Trust
Citizens Equity First Credit Union
City Employees Credit Union
City National Bank
Clearview Federal Credit Union
Coastline Federal Credit Union
Commonwealth Credit Union
Community America Credit Union
Community Choice Credit Union
Community First Credit Union (CA)
Community First Credit Union (WI)
Community First Credit Union of Florida
Connections Credit Union
Connex Credit Union
Consumers Cooperative Credit Union
Consumers Credit Union
Coulee Dam Federal Credit Union
cPort Credit Union
Credit Union of Denver
Credit Union of Southern California
Cyprus Federal Credit Union
Denver Community Credit Union
Denver Fire Department FCU
Deseret First Federal Credit Union
Desert Schools Federal Credit Union
Digital Federal Credit Union
Dupaco Community Credit Union
DuPont Community Credit Union
Education First Credit Union
Educators Credit Union
Educational Systems FCU
Electro Savings Credit Union
Elements Financial FCU
Ent Federal Credit Union
ESL Federal Credit Union
Evansville Teachers Federal Credit Union
F&A Federal Credit Union
Fairfax County Federal Credit Union
FAIRWINDS Credit Union
Farmers & Merchants Bank of Long Beach
Fifth Third Bank
Financial Partners Credit Union
First City Credit Union
First Community Bank & Trust
First Community Credit Union
First Credit Union
First Entertainment Credit Union
First Fidelity Bank
First Financial Credit Union
First Hawaiian Bank
First National Bank of Omaha
First National Bank of Pennsylvania
First Niagara Bank
First Premier Bank
First Tech Federal Credit Union
First Tennessee Bank
Foothill Credit Union
Founders Federal Credit Union
Frankenmuth Credit Union
Freedom Credit Union
Glenview State Bank
Global Credit Union
Golden 1 Credit Union
Granite Credit Union
Great Basin Federal Credit Union
Greater Nevada Credit Union
Greater Texas FCU
Grow Financial Federal Credit Union
Guaranty Bank & Trust
Gulf Winds FCU
HAPO Community Credit Union
Harvard Universities Employees Credit Union
Hilltop National Bank
Hiway Federal Credit Union
Hoosier Hills Credit Union
Hughes Federal Credit Union
IBM Southeast Employees’ Federal Credit Union
Idaho Central Credit Union
Ideal Credit Union
Illinois State Police Federal Credit Union
INOVA Federal Credit Union
Interra Credit Union
iQ Credit Union
JSC Federal Credit Union
Jordan Credit Union
KEMBA Financial Credit Union
Kern Schools Federal Credit Union
KeyPoint Credit Union
L & N Federal Credit Union
Lafayette Federal Credit Union
Lake Michigan Credit Union
Landmark Credit Union
Langley Federal Credit Union
Lister Hill Credit Union
Logix Federal Credit Union
Los Angeles Federal Credit Union
Mayo Employees Federal Credit Union
Meijer Credit Union
Members First Credit Union
Mercantile Bank of Michigan
Michigan State University Federal Credit Union
MIDFLORIDA Credit Union
Mission Federal Credit Union
Missoula Federa Credit Union
Mountain America Credit Union
Municipal Credit Union
NASA Federal Credit Union
National Bank of Arizona
National Institutes of Health FCU
Navy Federal Credit Union
New England Federal Credit Union
Nevada State Bank
North Country Federal Credit Union
North Shore Bank
Northrup Grumman Federal Credit Union
Numerica Credit Union
Nusenda Credit Union
Nutmeg State Financial Credit Union
Old National Bank
ORNL Federal Credit Union
Partners Federal Credit Union
Patelco Credit Union
PenFed Credit Union
People’s United Bank
People’s Trust Federal Credit Union
Pima Federal Credit Union
Point Loma Credit Union
Premier America Credit Union
Premier Members Federal Credit Union
PremierOne Credit Union
Prestige Community Credit Union
Provident Credit Union
Publix Employees Federal Credit Union
Purdue Federal Credit Union
Quorum Federal Credit Union
Redwood Credit Union
Rivermark Community Credit Union
Robins Federal Credit Union
Royal Credit Union
Sacramento Credit Union
SAFE Credit Union
Salem Five Bank
San Diego County Credit Union
San Francisco Federal Credit Union
San Francisco Fire Credit Union
San Mateo Credit Union
Sandy Spring Bank
Savings Bank of Danbury
Schools Financial Credit Union
Schools First Federal Credit Union
Scient Federal Credit Union
Security Service Federal Credit Union
Silicon Valley Bank
Simmons First National Bank
SkyOne Federal Credit Union
South State Bank
Spokane Teachers Credit Union
Star One Credit Union
Star USA Federal Credit Union
State Department Federal Credit Union
Staley Credit Union
Stockman Bank of Montana
Summit Credit Union
Suncoast Credit Union
TCF National Bank
TD Bank N.A.
Teachers Credit Union
Technicolor Federal Credit Union
Technology Credit Union
Telhio Credit Union
The Bancorp Bank
The Bank of Greene County
The Citizens Bank of Clovis
The Northern Trust Company
TIB-The Independent BankersBank
Town & Country FCU
Town Square Bank
True North Federal Credit Union
Truity Federal Credit Union
TruMark Financial Credit Union
Tucson Federal Credit Union
UBS Bank USA
UMB Bank, n.a.
UMe Federal Credit Union
Union Bank & Trust Co.
United Federal Credit Union
United Nations FCU
University Federal Credit Union
University First Federal Credit Union
US Federal Credit Union
USAlliance Federal Credit Union
USC Credit Union
Utah Community Federal Credit Union
Utah First Federal Credit Union
Utah Power Credit Union
UW Credit Union
Valor Credit Union
Vantage Credit Union
Veridian Credit Union
Vermont Federal Credit Union
Vermont State Employees CU
Virginia Credit Union
VyStar Credit Union
Wanigas Credit Union
Waukesha State Bank
WECU® ( Whatcom Educational CU)
Wescom Credit Union
West Community Credit Union
Western Federal Credit Union
Wings Financial Credit Union
Wood & Huston Bank
Wright Patman Congressional Federal Credit Union
Zions First National Bank
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You're reading Apple Pay Comes To Over 20 More Us Banks And Credit Unions
This is probably the only weekend of the year when people think about bats. Their mysterious, dark nature makes them essential Halloween decorations, and this perennial association with creepiness ensures most people think of them as scary and unwanted.
Hoping to shift that perception, bat conservation groups and the United Nations Environment Programme designated 2011-2012 as the “Year of the Bat,” and kicked it off this week.
Andreas Streit, executive secretary at the UNEP and Eurobats, said the initiative will raise awareness for bat conservation. Biologists and educators can order stickers, postcards and other material with pictures of cute, fuzzy bats.
“In many parts of the world, the term ‘bat conservation’ is totally unknown. In many countries, bats have a very bad reputation, out of superstition and prejudices,” Streit said. “One of the goals of this project is to spread the news on a global level that bats are a very important species, a very fascinating species and very important for any terrestrial ecosystem.”
In Italy, a partnership with the Walt Disney Co. is already helping shift that perception. The Natural History Museum of Florence has been selling bat boxes since 2006 and trying to get the public excited about bats. In 2010, Disney Italy joined the project and created a new cartoon character, Kiro the bat, who is pals with Donald Duck. It’s a chubby blue bat that chases mosquitoes in a series of comic books for kids. Interest grew substantially, and more families erected bat boxes; about 25,000 have been erected in the past four years.
Kiro the Bat
Streit said some countries lack any wildlife research organizations, and in others, there are no groups that work on bats. He hopes the Year of the Bat project will spur interest from non-governmental organizations to get involved. He recently talked to a researcher in Iran, which has no suitable non-governmental organization that would be interested in bat research and conservation, Streit said.
Researchers say international cooperation will be especially important for studying white-nose syndrome, which most biologists believe came to the US from Europe in 2006. The fungus that causes the syndrome, Geomyces destructans, has been found in caves in France, Germany, Hungary and Switzerland, but those countries have not seen the mass mortality experienced in North America. The US Fish & Wildlife Service is funding a project to conduct genomic level phylogeographic analysis of the fungus, hoping to help biologists understand why North American bats are more susceptible.
With or without white-nose, Streit said bats around the world need help.
“Here in North America you are suffering this terrible crisis with white-nose syndrome, but many other bat species in the world are pretty critically endangered, and need attention,” he said.
20 Memes That Got Us through 2023
Social Media20 Memes That Got Us through 2023 Is this year over yet?
With this year finally coming to a close, we can all breathe a collective sigh of relief. As we look toward the new year, let’s give thanks for what really got us through 2023—the memes. Here’s our list of 20 memes that did the trick.1. “I am once again asking for…”
No matter your political leanings, this meme was one of the most entertaining of 2023. The seemingly endless different mashups that people created had us rolling all year. Some of the variations hit a little too close to home though.2. Anything Tiger King
Yeah, we can’t believe that Tiger King was released this year either. It feels like it was forever ago that our timelines were filled with Carol Baskin and Joe Exotic memes. We’re just slightly ashamed that we were in Joe Exotic’s one percent of fans on Spotify.3. Mike Pence fly
While the election was a terrible experience, we can at least look back at some of the memes and laugh. The Vice President Pence Fly meme took the internet by storm after his debate with Vice President-Elect Kamala Harris. During the debate a fly landed on Pence’s head for a solid minute—so Twitter went off. And we loved every second of it.4. Participation trophies for everyone!
🏆🏆🏆5. Silver lining of 2023?
Facts.6. The Last Dance
Similar to Tiger King, The Last Dance helped us get through the initial first wave in the beginning of the year. So it should come as no surprise that the internet made a bunch of memes about the documentary. You might be surprised how many things Michael Jordan took personally.7. Karens
Maybe it’s something in the air this year, but 2023 has seen a huge rise in “Karens”—someone who acts superior and insists on seeing the manager. While Karen memes are by no means new, this year they exploded. And with all the people refusing to wear masks, there’s been no shortage of Karen incidents going viral this year.8. Nevada
Who would have ever thought we’d talk about Nevada so much? With the state being particularly slow to give out election updates, the home of Las Vegas became the butt of many jokes.9. Titanic
With 2023 being a complete and utter mess, many associated the year with the Titanic sinking, and the meme creators being the musicians keeping everyone calm as the world sinks into oblivion.10. Dark mode
While 2023 brought us dark times, our favorite tech companies gave us dark mode. Appropriately matching our moods.11. True friendship
In a world of nonstop video calls, true friendship is when the call disconnects and you both decide not to call back.12. Back to the future
Dystopian movie? Nope, just 2023.13. TikToks everywhere
Literally, everywhere you look, there’s someone randomly dancing in front of their phone.
Psst…don’t forget to follow us (@BostonU).14. So toxic meme
It’s 2023, this was bound to resurface.15. Leonardo Dicaprio laughing
Whether it was laughing at the absolute absurdity of this year or the funny text you just sent your roommate, this meme says it all.16. Artoo, our new favorite Boston terrier
Artoo 2023.17. When the murder hornets arrived
Remember April, when we thought: “It can’t get much worst than this, right?” LOL!18. “Hope this email finds you well”
Hint: an email hasn’t found anyone well since 2023.19. The January—September decline
Imagine how this meme would look now that it’s December. 🙃20. It’s not going well
Remember a time when everything wasn’t an absolute dumpster fire?
To all of the meme-ers out there—we thank you. Your wit and creativity have helped us laugh our way through this crazy year. Here’s to a promising 2023 (fingers crossed)!
Explore Related Topics:
Engadget this morning pointed us to the news that Apple was now only selling iPhones to people with credit cards – no Cash/Check money order. In addition, the limit on phones is now down from 5 to 2 per purchase.
According to Apple spokeswoman Natalie Kerris, the official Apple Line is, um:
“Customer response to the iPhone has been off the charts, and limiting iPhone sales to two per customer helps us ensure that there are enough iPhones for people who are shopping for themselves or buying a gift,” Kerris said. “We’re requiring a credit or debit card for payment to discourage unauthorized resellers.”
YEOUCH! The 1st 1/2 of that statement would seem to be untrue – there are plenty of iPhones out there no one is complaining of store shelves being bare – in fact, Apple will have to ramp up sales (Europe/Asia help) to meet its 10 million by the end of 2008 forecast.
The second half is a bit more genuine. Apple has a very real problem with unauthorized resellers.
We’ve been saying all along that iPhone hacking isn’t just a niche market devoted to crazy hackers. Here in Paris, SIM unlocked iPhones are all over the place. London too. The plummeting Dollar has made an Apple Store visit a requirement for every iPod loving European over the past few years. Now, iPhones are on the shopping list. My wife has been hit up numerous times for iPhones on her current trip to New York (hehe).
So what about the MBA’s at Apple who came up with the revenue sharing plan? They are obviously falling all over themselves trying to correct course with things like the 1.1.1 (codename: bricksville) update and this current plan – which will surely stop the problem… Seriously though (see picture – this isn’t going to slow), it is kinda getting scary – the lengths to which Apple is willing to go to to keep people from changing carriers – one shutters to think of what happens next.
What about the analyst’s predictions? Hacking was not a concern for Apple?
Shaw Wu of American Technology Research described the number as “immaterial,” representing “only a small group of users, namely hackers.” He is 100% wrong – yet again (who hires/listens to these guys?). The phone hacking IS a problem for Apple. The recently announced quarter of a million SIM unlocked iPhones was probably a low “guess”. We use quotes because Apple knows the exact number. How? Take Apple’s iPhone total sales, call AT&T ask their total iPhones activated, then ask someone in finance to subtract one from the other. That’s how you come up with your “guess”.
Obviously, not only is Apple losing their cut (10-20% of iPhone owner’s wireless revenue over 2 years), but AT&T is not pleased. While most of these phones are heading to Canada/overseas, many more are being used in the States on Tmobile or on AT&T without the 2 year plan. As we’ve said before, hacked iPhones are blanketing Europe ahead of their official (more costly) release next month. The O2s, Oranges and T-mobiles have got to be getting pretty pissed off and want to see some action…schnell!
Hence, today’s action. Apple, you know you could just call the whole thing off right?
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What is Fintech?
Fintech refers to emerging technologies that improve and modernize the provision of financial services. The term “financial technology” is shortened to “fintech.” It’s used by individuals, business owners, and companies alike to keep track of their finances and run their businesses and daily operations more smoothly. This is achieved through the use of algorithms and specialized software on desktop computers and mobile devices (including smartphones). As a subset of the banking sector, the development of cryptocurrency is also included.
Besides the obvious use in the financial sector, fintech is also finding its way into retail banking, academia, the investment management industry, and even philanthropic groups. As fintech has progressed, there has been a shift toward a focus on end users. Fintech encompasses a wide range of activities that previously required the intervention of a human being but now can be performed entirely digitally, including the depositing of checks via a mobile device, the management of investments, the application for credit, and any assistance that does not require the intervention of a human but makes use of technology.
These are some others −
Platforms for crowd financing such as GoFundMe and Kickstarter enable app and internet users to send and receive monetary contributions.
Electronic currency and cryptographic currencies
Intelligent connections that can automatically carry out the execution of contracts between buyers and sellers
Insurtech is an initiative that strives to improve efficiency and reduce complexity in the insurance sector.
Opportunities for consumers, B2B clients, and B2C clients to gravitate toward financial technology services have arisen due to the rise of more information, mobile banking, decentralized access, and accurate analytics.What are Banks?
These establishments are authorized to accept customer deposits and provide loans. Even though there are several kinds of banks, such as investment banks, retail banks, and corporate banks, all of them are ultimately subject to the authority of the national government or the central bank.
No one can deny the crucial role that banks play in any economy. Depending on the type of account they choose, customers can engage in a wide range of financial transactions. Withdrawals, deposits, and bill payments are all examples of such humdrum banking activity. Customers may invest, save, and borrow money, all while earning interest on their savings and investments. Banks also provide other services such as foreign currency exchange, asset management, and safe deposit boxes.Differences − Fintech and Banks
Both Fintech and Banks share the common goal of giving their clients a unified view of all the financial options available to them. The following table highlights how Fintech is different from Banks −
Characteristics Fintech Banks
“Fintech,” short for “financial technology,” refers to the use of digital tools to improve the delivery of financial services.
Banks are defined as financial institutions that are authorized to accept deposits from customers and provide loans to those same customers.
Streamlining the customer experience is a top priority for fintech companies. This means making their goods and services more user-friendly, convenient, and accessible.
Safety and the responsible management of possible financial losses are two of the banking industry’s top priorities.
Since it leverages modern technology developments like smartphones, FinTech reaches a wider audience than more conventional forms of financial services.
The availability of banks is limited in this sector.
Companies in the financial technology sector are more likely to innovate because their organizational structures are more flexible.
The rate at which new ideas are implemented in banks might be slowed by their sometimes rigid organizational structures.
Technology plays a crucial role in the growth of fintech companies.
Financial institutions have a poor rate of adopting new technology.
Customers with low credit ratings or other banking barriers are a prime target for fintech companies.
In general, banks prefer to work with consumers that have a solid credit history and a proven track record.
In FinTech dealings, collateral requirements are low and may be adjusted to suit the situation.
Financial institutions have extremely high demands for collateral.Conclusion
A bank, on the other hand, is a specialized kind of financial organization that may accept deposits from customers and lends money to those who need it. It is legal for banks to conduct other types of business as well. Given their emphasis on security and careful risk management, their reach in the market is limited.
Apple is now the most profitable company in China, thanks to a combination of US sanctions against Huawei, and CEO Tim Cook’s corporate diplomacy with the government, says a new report today.
The iPhone maker has escaped the Chinese government crackdown on other tech companies in the country, thanks to a symbiotic relationship between the two …
A Financial Times analysis indicates that Apple now makes more profit than local tech giants Alibaba and Tencent combined. It says this is in part because Apple has enjoyed a double win.Impact of US sanctions on Huawei
Huawei was once almost the default choice for Chinese consumers when it came to buying a premium smartphone.
“It was like a ‘national factory’ – Chinese citizens wanted to show how much they loved the country and they went out to buy Huawei smartphones,” said Counterpoint analyst Archie Zhang.
This changed dramatically when the US government imposed sanctions on Huawei, banning US companies from selling key technology to the Chinese telecoms giant. The action followed allegations of the company fitting spyware to mobile infrastructure products sold to US carriers, and claimed financial support to Iran.
The sanctions proved devastating to Huawei by making it difficult for the company to buy key technology like 5G chips, but most dramatically by the smartphone company losing its Android license. Without this, it could no longer sell new phones running Android.Apple escaping tech crackdown
The Chinese government has been imposing tough restrictions on most tech companies – both domestic and foreign – over concerns that they were becoming too powerful, and a threat to the government.
However, Apple has been almost unique in escaping these restrictions. The FT suggests that this is a mix of corporate diplomacy by CEO Tim Cook, and a symbiotic relationship between Apple and the Chinese regime.
Cook, whose regular visits to Beijing in pre-pandemic times, including meetings with Xi along with other tech executives, have helped avoid the fate of other Western tech companies.
That has included Apple’s compliance with a range of draconian laws, from banning VPNs, multiple news apps, and more – to requiring user data to be stored on servers run by government-owned companies. The Cupertino company says it has no choice but to comply with local laws in each of the countries in which it operates, but many have criticized it for putting itself in a position where it needs to act in direct conflict with its claimed values.
The mutually beneficial relationship between the two companies also means that neither wants to put it at risk. Apple is of course hugely dependent on China as a production hub, as well as its second-largest market. The Chinese government benefits from hundreds of thousands of comparatively well-paid jobs that benefit the economy as a whole.
“It is clear to Beijing that this is a two-way street. They get a great return – a lot of it employment, and prestige,” said Brian Merchant, author of The One Device: The Secret History of the iPhone, “Salaries, standards are better for companies that contract with Apple. This has helped raise salaries for the middle class.”
Photo: Apple Store Sanlitun/Apple
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