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FCA Uses New Tools to Catch 14X more Mis-leading Ads than Last Year

FCA | Release | Feb 3, 2023

Unsplash Merakist social media - FCA Uses New Tools to Catch 14X more Mis-leading Ads than Last Year

Image: Unsplash/Merakist

The Financial Conduct Authority (FCA) required firms to amend or remove 8,582 promotions during 2022 - 14 times more than 2021, a report published today shows.

  • Social media remains a major focus for the regulator’s work in combatting misleading promotions.
    • The FCA has worked closely with several Big Tech companies to change their advertising policies to only allow financial promotions that have been approved by FCA-authorised firms, but more needs to be done by tech companies to protect consumers.
  • The FCA has made significant improvements to the digital tools it uses to find problem firms and misleading adverts. These improvements have enabled it to work through a much larger number of cases compared with 2021.
  • ‘Fin-fluencers’ have also been a growing concern for the regulator. Unauthorised individuals should not advise people on the merits of certain investments, as this will likely be subject to our regulations and it could lead to action being taken against them.
    • The FCA has already acted against several social media influencers over the past year.
    • In one case, the FCA found a director of a regulated firm using their personal profile to promote the advice of unauthorised traders and other financial products. The FCA blocked them from using their personal social media to promote financial services and imposed a requirement on the firm to halt any financial services promotions.

See:  GameStop Testimony: When Short Sellers, Social Media, and Retail Investors Collide

Sarah Pritchard, Executive Director, Markets said: 

'Our expectations remain the same. Financial promotions must be fair, clear and not misleading. What has changed is the FCA’s approach. By drawing on better technology, we’re finding poor quality or misleading ads quicker. And where we find them, we’re stepping in to make firms improve them or remove them entirely.  This year, we will continue to put the pressure on people using social media to illegally promote investments, which put people’s hard-earned money at risk.'

View the original release --> here


NCFA Jan 2018 resize - FCA Uses New Tools to Catch 14X more Mis-leading Ads than Last YearThe National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Keeping Your Home Safe in the Digital Age: The Latest Tech in Home Security

Guest Post | Feb 3, 2023

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Image: Unsplash/Brian Babb

Technology advancements have allowed us to improve processes and cover previously impossible areas. For example, the latest technological advances in security have enabled our homes to remain safer daily, stay one step ahead and keep our home and loved ones safe. In this blog post, we will explore the latest tech in home security so you can know which of these innovations might be helpful for your home.

Garage door security

Improving garage door security is relatively simple and can be achieved through a few key steps:

  1. Upgrade your garage door with a smart opener for added convenience. With a smart opener, you can easily control and monitor the status of your garage door from your smartphone. This allows you to check if the door is open or closed and close it remotely when needed. Regular checks are recommended to maintain the proper functioning of the garage door. If any issues arise, a local garage doors professional can be consulted.
  2. Add remote access controls: Many smart garage door openers can add remote access controls, such as key fobs, which allow authorized individuals to open and close the garage door without a physical key.
  3. Install security cameras: Security cameras can be placed around the perimeter of your home, including near your garage door, to provide an added layer of security. If a burglar attempts to enter your garage, the camera will capture footage that can be used to identify the perpetrator.
  4. Consider adding extra security features: Some garage door openers have additional security features, such as automatic locking or timed closing. These features can be set to automatically lock the garage door after a certain time or to close the door automatically if it is left open for too long.

Biometric technology

There are many ways to make smart homes more secure and convenient using Biometric technology. Using fingerprints, facial recognition, or other unique characteristics, biometric locks identify authorized users and grant them access. Facial recognition is also possible with smart cameras. Smart home systems, such as voice assistants, can benefit from biometric technology. By recognizing specific voices, these devices can be controlled only by authorized users. Smart home systems can also be made more secure by using biometric technology to detect suspicious activity and alert homeowners.

Security Systems with Connected Cameras

You can check in on your home from work, while on vacation, or while running errands. Smart security cameras let you monitor your living room and backyard wherever you are.

When a motion detection system is used, time and date stamps can be attached to images so that images of that area can be checked. Many connected home security cameras can be accessed from your smartphone.

Set Virtual Boundaries

Virtual boundaries can also be set on surveillance cameras, so you are notified if they're crossed.

You might set up a tripwire around your swimming pool and receive an email or text when something or someone crosses it.

Smart Locks for Your Exterior Doors

Never hide a house key under a mat or rock, or give it to a trusted neighbour. Once a key leaves your possession, it can be copied. Smart locks keep intruders out while welcoming family and guests.

With a smart lock, you can give each person a code and even set specific times for them to enter. It's possible to set the code to be active daily from noon to 2 p.m. for the dog walker.

Using a smart home system, you can set your smart lock to arm your home alarm automatically when you leave.

The back door is so easy to lock from your bed that you won't even have to get up.

Smart Doorbells

If you're not at home, you can see who's at your door using a smart doorbell equipped with a camera. Video intercoms allow you to see and speak to the person at your door or gate.

Rather than the old-fashioned "ding dong" sound from an ordinary doorbell, your smartphone or tablet displays a touch screen and plays the sound you choose. In addition, you can start a conversation with the person at the door, even though they cannot see you.

To find out if anyone is home, burglars usually ring the doorbell. A good cell signal allows you to tell a suspicious person that you are not interested if they ring your bell while you are away. They might walk away without knowing you're not inside the house.

Conclusion

Making your home secure is a priority for everyone.

Smart home technology can help you protect your property and family from intruders and other potential threats. You can use motion sensors, security cameras, biometric locks, smart doorbells, and virtual boundaries to add an extra layer of protection to your home. Additionally, Smart home systems are designed to be automated, so they can also provide convenience while helping to keep your family safe.

See:  Pros And Cons Of Buying A House During A Recession

Finally, when it comes to protecting yourself and your family from harm, you should always take the necessary precautions regardless of what type of security system is being used. Taking proactive steps in keeping your home secured will ensure that all of your loved ones remain safe and sound at all times.


NCFA Jan 2018 resize - Keeping Your Home Safe in the Digital Age: The Latest Tech in Home SecurityThe National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Federal Judge Dismisses Unregistered Securities Class Action Suit Against Coinbase (Shares Jump 21%)

MarketWatch | Dean Seal | Feb 2, 2023

Pixabay sergeitokmakov crypto and regulation - Federal Judge Dismisses Unregistered Securities Class Action Suit Against Coinbase (Shares Jump 21%)

Image: Pixabay/sergeitokmakov

Shares of Coinbase Global Inc. rose 21% to $79.50 after a federal district judge dismissed a proposed class action accusing the crypto exchange of selling tokens that qualified as unregistered securities.

  • The suit, filed in October 2021, alleged that nearly 80 of the digital assets traded on the Coinbase exchange fit the description of a security under federal law, and that Coinbase therefore violated the law by selling the tokens without proper registration.
  • A New York federal judge ruled Thursday that the token buyers behind the suit have made contradictory allegations between their original complaint and a later amended complaint as to whether Coinbase actually held title to or sold the tokens, rather than just facilitate their trading on its exchange, in "an apparent attempt to evade dismissal."

See:  Coinbase is Cutting 950 Employees (20%) | Brother of Former Employee 10 months Sentence for Insider Trading

  • The judge further found that the terms of Coinbase's user agreement, which state that only exchange users hold title over tokens they trade, "flatly contradict" the lawsuit's allegations.  Finding that further amendments would be futile, the judge dismissed the case with prejudice.
  • The dismissal marks a somewhat rare legal victory for a major player in the crypto space, which is under intense scrutiny by the U.S. Securities and Exchange Commission following last year's selloff in the cryptocurrency market.

Continue to the full article --> here


NCFA Jan 2018 resize - Federal Judge Dismisses Unregistered Securities Class Action Suit Against Coinbase (Shares Jump 21%)The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Is the Crypto Bottom In Yet?

Tristram Waye for Bitvo | Feb 2, 2023

Dolphin - Is the Crypto Bottom In Yet?After a substantial lift in crypto, it begs the question, was that the bottom? 

  • The answer, of course, is no idea.  Because bottoms are not events but rather a process.  After a challenging crypto winter, the relief is welcome, but the question of whether it’s over requires some evidence.
    • This lift might be what is known as a bear trap. Bear traps entice buyers before heading back down.
    • On the other hand, it might be the beginning of a new trading range for bitcoin and ether.
    • So let’s have a look at some things that might tell us about where we are and how to use what we discover.

See:  Is Crypto Bouncing Back, or Bull Trap?

  • Be careful picking market tops and bottoms
    • Jesse Livermore:  “One of the most helpful things anyone can learn is to give up trying to catch the last eighth —or the first. These two are the most expensive eighths in the world. They have cost stock traders in aggregate enough millions of dollars to build a concrete highway across the continent.”
    • So on the upside, this means picking tops, getting on the short side too early and getting squeezed.
    • On the downside, it means catching falling knives trying to pick the bottom.
    • In both cases, the financial impact is clear. But there is the psychological component as well. And this can present a bigger problem in some ways.

See:  Learn to Love Those Bear Market Rallies

  • Signals and sentiment:
    • The press will post stories on the cover of their magazines and newspapers. And they are almost always wrong.
    • But the response to bad news becomes important to watch. Any negative news that doesn’t generate downside should be examined.
    • Sentiment is an interpretation of the bullish or bearish lean of various participants.  Crypto has an enormous range of voices coming from a wide variety of content. And Twitter is a great place to get a gauge of sentiment. Here is where you can take a wide view of the voices around the space.
    • Another sign of a bottom is the reaction to bad news. On the way to the bottom, every bit of negative news results in selling. The bias eventually becomes sell any story or rumor.  We saw the last batch of selling occur with the FTX debacle. But since then, selling has been rather muted.
      • At the bottom, negative news has little or no impact. Sellers no longer care. Lots of the sell side overhang is eaten up. And the response to news starts to change. Near the bottom, negative news goes from bearish to bullish.
    • The demand for leverage will be low at the bottom and will have limited availability. Risk parameters at exchanges will also be relatively tight at the bottom. So even if you want leverage, and are fine with the cost of capital, the amount of leverage available and the margin required is likely quite a bit higher.  Less leverage will mean less risk of downside liquidations.
    • Bitcoin seems to be trading in a loose inverse relationship relative to the DXY.

Continue to the full article --> here


NCFA Jan 2018 resize - Is the Crypto Bottom In Yet?The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Insurers Cautioned on “Silent Crypto” Exposure

Wilson Elser Moskowitz Edelman & Dicker | Anjali Das  | Jan 23, 2023

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Image: Unsplash/PiggyBank

The recent implosion of crypto firm FTX and its affiliates provides a case study for potential crypto exposure under traditional insurance policies in this series of four articles

See:  White House Releases Comprehensive Framework for Digital Assets Highlighting 6 Key Priorities

  • OCC Softens Stance on Banks' Cryptocurrency Activities: In the past few years, the U.S. Office of the Comptroller of the Currency (OCC) has issued a series of interpretative letters and guidance regarding the agency's loosening stance on banks engaged in cryptocurrency activities.
    • First, OCC confirmed that banks may provide cryptocurrency custody services to customers by holding the "unique cryptographic keys associated with cryptocurrency.
    • Second, OCC has indicated that banks also may hold reserves to support "stablecoin" transactions.
    • Third, OCC has authorized banks to participate in cryptocurrency transactions based on blockchain or DLT, including independent node verification networks (INVNs).
      • With advances in technology and the global financial markets, there is "increasing demand in the market for faster and more efficient payments through the use of decentralized technologies, such as INVNs, which validate and record financial transactions, including stablecoin transactions."6 As such, the OCC has concluded that a "bank may validate, store and record payments transactions by serving as a node [or participant] on an INVN.
  • OCC's softer stance on cryptocurrency activities by banks has opened the door for traditional financial institutions to participate in a limited capacity. In October 2022, the nation's oldest bank, BNY Mellon, announced the launch of its Digital Asset Custody platform to hold and transfer Bitcoin and Ether (ETH) for select clients.

See:  Are Markets Moving Towards a Crypto Fiduciary + Caveat Emptor Standard?

  • Don't Count on FDIC Insurance for Crypto Assets:
    • The Federal Deposit Insurance Corporation (FDIC) has made it abundantly clear that FDIC insurance does not apply to financial products such as "crypto assets" or other types of securities or commodities. Moreover, FDIC insurance "does not protect against the default, insolvency, or bankruptcy of any non-bank entity, including crypto custodians, exchanges, brokers, wallet providers, and neobanks."
  • Digital Asset Vault & Wallet Insurance:  In growing recognition of the need for insurance as a risk management tool for cryptocurrency and digital asset custodial services, insurance companies are slowly wading into the market with new and innovative products.

Continue to the full article --> here


NCFA Jan 2018 resize - Insurers Cautioned on "Silent Crypto" ExposureThe National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Top 10 Trends Reshaping Banking for 2023

Accenture | Michael Abbott  | Jan 10, 2023

Unsplash Viktor Forgacs Office building - Top 10 Trends Reshaping Banking for 2023A combination of well-established forces and recent developments is reshaping banking.

  • Overview: In the absence of that revenue stream, banks shifted their focus from the totality of customers’ financial needs to isolated products that continued to generate fees. At the same time, fintech innovators burst onto the scene, awash with cheap capital and valuing scale over financial returns.  Now that positive rates have returned, the constellation of banking products is drifting into a more familiar and predictable orbit.
  • Rising rates catalyze product innovation:  It will come in the form of offerings similar to that of Amazon Prime.
  • 2023 will see a renewed focus on branches:  Without in-person interaction most banks have struggled to maintain close relationships.
  • Demistifying the metaverse: Just as mobile did, the metaverse is opening a new world of possibilities. It won’t be without risk—but banks were invented to manage risk.
  • Culture and Talent:  Talent will make ever-increasing demands on banks’ leadership. If it isn’t given its due, it will become a burning platform.

See:  Will Open Banking Launch in Canada This Year?

  • Risk everywhere:  As new risks emerge, banks that focus on helping customers solve their problems, rather than on collections, will outperform their peers.
  • Data becomes a product: potential to transform the foundations of banking.
  • From fintech disruptor to enabler:  Incumbents are poised to reassert themselves as the “rightful owners of banking”—if they can find fintech-like offerings at reasonable prices.
  • Green gets real and seeks common ground

Continue to the full article --> here


NCFA Jan 2018 resize - Top 10 Trends Reshaping Banking for 2023The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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ARK Innovation Predictions and Big Ideas 2023

Fortune via Yahoo Finance | | Feb 1, 2023

Ark invest big ideas 2023 - ARK Innovation Predictions and Big Ideas 2023

Image: Ark Invest

Hypersonic flight, 3D printed humanoid robots, groceries delivered by drones, molecular biomarkers for early detection of malignant tumors

  • Report: That's the conclusion from her annual Big Ideas report published on Tuesday by her money management firm. This 153-page deep dive attempts to handicap the potential commercial opportunities awaiting those startups and incumbents quick to embrace promising new technologies set to supplant older, obsolete ones.
  • Wood believes companies that succeed in disrupting existing industries will experience “super-exponential growth”, lifting their cumulative value by an average annual rate of 40% in the process to reach a staggering $200 trillion by 2030.
    • To put that gargantuan figure into perspective, the International Monetary Fund estimated last April that the size of the entire world's economy would cross the $100 trillion mark in nominal GDP terms by the end of the year.

See:  a16z: Big Fintech Ideas to Tackle in 2023

  • Forecasting winners: Instead of emphasizing spreadsheets and valuation models that often focus on short-term fundamentals like a company’s forward-year cash flow or earnings per share, her ARK Invest research team prefers a top-down analysis of what macroeconomic problems inhibit social progress before examining which innovators are doing the most to solve them.
    • Much of the research conclusions in Big Ideas is based on predicting when technologies may reach mass market maturity by employing Wright’s Law, a general theory from 1936 that attempts to model cost degradation curves over time.
  • Wood’s team identifies 14 distinct technologies they believe will feed off each other, broadly converging into five overarching investment themes ("innovation platforms") grouped around artificial intelligence, robotics, energy storage, public blockchains and the multi-omic sequencing of digitalized biological data.

Continue to the full article --> here


NCFA Jan 2018 resize - ARK Innovation Predictions and Big Ideas 2023The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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