Mnuh Perplexity Proposes Open-Source Version of TikTok Algorithm

Its a new year, and that means its a new quarter. One that could signal a new era of digital transformation for B2B payments.Across earnings calls and investor discussions, executives from major players in financial services and FinTech consistently pointed to a rising appetite for efficiency in B2B transactions. The themes emerging from these conversations reflect a strategic shift. Businesses are looking to digitize outdated, paper-based processes, reduce costs and improve working capital management.Across all payment flows, Visa CEO Ryan McInerney said on his companys first-quarter conference call with analysts that Visas quarterly volume of about $4 trillion was being driven by the shift to digital payments, which now account for more than 60% of volume.As for American Express, the companys fourth-quarter earnings results revealed that commercial spending was on the upswing as year-over-year growth was 4%. Spending by small- to medium-sized businesses SMBs in the United States was 3% higher, and spending by U.S. large and global businesses was 7% higher.According to Mastercards fourth-quarter earnings r stanley termoska esults and commentary from CEO Michael Miebach, commercial flows represent an $80 tril stanley ca lion opportunity, given that only stanley quencher about $3 trillion of that spend takes place on cards. In 2024, commercial debit and credit volumes were 13% of Mastercards total gross dollar volumes, and they were 11% higher as measured year over year.As businesses continue to prioritize digital transf Evnd Retailers Embrace Immersive Storytelling to Woo Fickle Consumers

While the main headline of the 2015 holiday season was abou stanley cup t the explosive growth of digital commerce, stanley mugs a sub-detail of that fantastic news often goes unreported.When it comes to buying and selling online, fortunes are rather unequally distributed.According to a new report jointly release by Shop.org the NRF eCommerce division and Forrester research, it is increasingly difficult for online retailers to get meaningful growth underway.According to the recently released data, 17 percent of online retailers reported flat sales in 2015, up sharply from last year 3 percent. Much of this is due to more retail competition than ever before.聽More than 800,000 online stores in the U.S. alone are now vying for recognition, market share and relevance with assortment, noted聽Forrester e-retail analyst Sucharita Mulpuru.E-tailers have also faved increasingly bargain-savvy consumers who will wait it stanley kubek out far more often than they will pay full price. During days like Thanksgiving and Cyber Monday, more than 90 percent of shoppers purchased with some deal or promotion like free shipping or a discount, the report noted.More importantly, the report noted that while online business are relatively low cost to launch, the costs of scaling are much higher with exponentially increasing costs along the way.And although not explicitly mentioned in the report, Amazon casts a long dark shadow over the landscape, given that a recent report by investment firm Macquarie Research concl