The world’s largest tech companies have been searching for new health solutions for years. Details about which projects each leads.
The American Giant Microsoftjust made the second largest acquisition in its history by acquiring AI company Nuance for its healthcare-specific cloud technology, And it’s just one of the ways tech giants are investing heavily in digitizing healthcare.
The crisis sparked by the global COVID-19 coronavirus pandemic exposed health deficiencies in many ways, such as a shortage of workers and the prevalence of disease among young people.
However, this sector, valued at US $ 3,600 million, became a investment and contracting focus; experts predict that health care will skyrocket as the baby boomber generation ages and needs more care.
The biggest tech companies – Microsoft, Amazon, Google, and Apple – have been betting on health for years. These are the latest news and movements from tech companies in their quest to revolutionize the healthcare industry.
Microsoft launched Cloud for Healthcare late last year, the industry’s first specific cloud offering. The product enables healthcare professionals to schedule and conduct virtual visits to patients within Microsoft Teams; and monitor patients’ medical devices remotely through Azure.
The tech company is trying to plant its banner on digitizing and improving medical records to lessen the administrative tasks doctors have to do and reduce physician burnout.
Microsoft worked with the speech recognition and artificial intelligence tools of Nuance to take note of conversations between patients and clinicians during telemedicine consultations in Microsoft Teams.
“We believe that our solutions, along with Microsoft’s platform and capabilities, will bring the practice of medicine back to that intimate interaction between doctor and patient; furthermore, they will actually reduce the administrative burden“, he remarked Mark Benjamin, Nuance CEO, in dialogue with CNBC.
Like your e-commerce and cloud computing businesses, Amazon is strongly committed to health through multiple avenues.
The company launched in November Amazon Pharmacy, which can deliver their prescriptions to most US customers with no shipping costs.
Prime members get special benefits; like discounts of up to 80% on generic drugs when they pay without insurance and delivery in 2 days when they use Amazon Pharmacy.
Amazon maintains that its newly released wearable Halocan analyze the voice of a user through his speech and calculate the percentage of body fat using a smartphone camera, 2 features that separate it from its competitors Fitbit and Apple Watch.
But Amazon’s most ambitious effort is developing a way to connect workers at other companies with primary care specialists for online and in-person consultations.
Amazon intends to sell the primary care service – dubbed Amazon Care – to companies that want to reduce the cost of healthcare for their employees.
Google had perhaps the most tumultuous process to establish a healthcare company. Three senior executives from Google Health – including the global deployment manager— recently left the project.
The tech giant first launched Google Health in 2012, but closed it after just two years due to low user interest..
Even if Google Healthreturned under new leadership in 2018, Blake Dodge and Hugh Langley of Business Insider reported that the team struggled to define its mission and figure out how to make money.
Public criticism for privacy reasons hampered Google Health’s first major alliance with Ascension to store health records in the cloud.
The United States has launched an investigation into the agreement to determine whether Google’s use of health records violates privacy law.
Sources specified that Verily, a life sciences research company, could be spun off from Google’s parent company Alphabet to operate as a separate company.
Google’s healthcare company had recent victories, including the completion of the $ 2.1 billion acquisition of Fitbit in January.. US regulators still determine whether the deal violates antitrust law.
The company also launched Care Studio, a tool that helps clinicians organize patient data; and, launched a collaboration of u $ s100 million between Google Cloud and the Amwell telehealth platform.
The Cupertino Giant invests in helping users with their personal health through Watch. In September, Apple unveiled a new $ 400 Apple Watch which measures the user’s blood oxygen levels and heart rates.
And although it is not exactly health, Apple just launched Fitness Plus, a subscription training service that has Peloton as its main rival.
The service, of u $ s9.99 per month, requiere un Apple Watch to sign up. Insurer UnitedHealthcare offered enrollees a free 6-month subscription to Fitness Plus.
Similar to Google, sources close to Apple noted in 2019 that the health team lacked focus and growth. Microsoft Y Google they had no additional statements to add. Amazon Y Apple were not immediately available for comment.
A 29-year-old billionaire explains how he has achieved daily returns of 10% in million dollar operations with cryptocurrencies, and shares advice
In 3 and a half years, Sam Bankman-Fried It has gone from being commercial to ETFs to a legend of the cryptocurrencies and one of the youngest billionaires in the world, with an estimated net worth of more than 7 billion euros.
In 2017, the young man who until then worked for the trade firm Jane Street, launched a cryptocurrency trading company called Alameda Research, which manages more than 80,000 million euros in digital assets. It is known as the “Moby Dick of the Crypto Whales” due to the large movements that the company makes in the cryptocurrency market.
The company’s multi-billion-dollar operations made Bankman-Fried a self-made billionaire at age 29, according to Forbes. However, the young man plans to donate and give away as much of his wealth as possible.
In a recent appearance on the podcast Bloomberg’s Odd Lots, Bankman-Fried sat down with Tracy Alloway and Joe Weisenthal to explain his journey into cryptocurrencies, the lucrative arbitrage opportunities he found along the way, and the development of cryptocurrency trading, FTX.
The entrepreneur describes his stumbling into the world of cryptocurrencies while looking for a career change. What he found was a crypto market ready for arbitrage opportunities, taking advantage of price differences in a single asset, at a time when bitcoin was in the middle of a big bull cycle in late 2017.
The financier achieved high profits thanks to operating with the price difference in the different markets of the planet
“It had a lot of the makings of something that could be a really inefficient system in dire need of liquidity, which is basically a gigantic demand all of a sudden,” Bankman-Fried recounts on the podcast.
Bankman-Fried saw that the bitcoin market would likely have very large volumes and therefore price discrepancies.
The first kimchi
During this time, there was a highly publicized bitcoin arbitrage opportunity in Korea known as the first kimchi.
Bitcoin was priced at around $ 10,000 (about 8,351 euros) in the US. However, on Korean exchanges it was priced at around 12,500 euros ($ 15,000). This was due to a high demand for bitcoins in Korea, according to Bankman-Fried.
There was a difference of around 50% at its peak, but the problem was because it was essentially impossible to arbitrate the opportunity on a large scale because the Korean won is a regulated currency.
The premium still exists to this day, although it is not as significant. CryptoQuant had the premium listed at 18% on April 6.
10% daily return
Bankman-Fried looked for a similar opportunity in other markets and found it in Japan. He described the Japanese operation on the Finance Magnates website as “an absurdly good operation”, the best he had ever seen.
“You were not trading at the same premium, but you were trading at a premium of about 15% at the peak, instead of 50%,” explains Bankman-Fried at Odd Lots.
Investors could buy bitcoin for $ 10,000 in the US, send it to a Japanese exchange, sell it for $ 11,500 in Japanese yen, and then convert it all back to dollars.
“It took me about a day to do that exchange, given the necessary wire transfers. But it was doable, and you could scale it, earning literally 10% per day of the week, which is completely insane,” confesses Bankman-Fried.
The trade was 1,000 times larger than what could be done with traditional financial spreads, and it could be done at scale with hundreds of millions of dollars of volume per day.
So why didn’t others notice and make the switch?
It all comes down to complexity. Traders can face hurdle after hurdle when trying this type of trading, from finding the right platform to buy bitcoin on a large scale to getting approved to use Japanese exchanges and bank accounts, and even getting millions of dollars outside of Japan and in the US all. the days.
“You have to put together this incredibly sophisticated global corporate framework to be able to trade like this,” Bankman-Fried explains to Finance Magnates. “That is the real task, the really difficult part,” he adds.
Trading premiums between different countries is not simple and requires large volumes of money
Finding investors willing to provide the capital to do this is difficult, but worth it.
Risk vs. chance
The dispersion of the crypto ecosystem is what helps to generate the large arbitrage premiums compared to the traditional financial model.
There is no cross-merger between exchanges and there are no clearing firms or central brokers. “It is very capital intensive and you also have to worry about counterparty risk,” Bankman-Fried notes.
But this risk also creates opportunities.
With so many unregulated and loosely regulated players in the crypto space, it can seem like there is risk everywhere. To an investor who is relatively uninformed about the crypto space, it may seem risky with little advantage relative to risk.
But once investors and commercials understand the space well, they can perfectly distinguish where there is little risk, but the advantage remains high, Business Insider Spain said.
“You can earn a lot of money if you can find out and determine when there is and there is not much advantage and when there is and there is not much risk,” says Bankman-Fried.
There are new technologies to understand such as HDR, OLED, and QLED. along with the basic screen size questions, and the usual question of whether you have Netflix
The tv technology It has come by leaps and bounds in recent years, so if you do need to upgrade, you might be baffled by the modern TV shopping experience.
Should you buy an OLED or a QLED? An LED or an LCD screen? And what streaming apps do you need? Televisions improved picture performance across the board. All but the smallest and cheapest models now have a resolution of at least 4K.
There are also new technologies to understand, such as HDR, OLED y QLED. along with the basic questions of screen size, TV location, number of inputs, and the almost ubiquitous: “Do you have Netflix?”
What size of TV screen?
There’s more media attention than ever on larger screens, with fewer 32- and 40-inch models appearing on new TV lines thanks to increased resolution Ultra HD 4K That justifies the big screen.
But while it may be tempting to think that bigger is better, the right set size for you depends largely on how close to the screen you will be sitting and the resolution of the source material you are viewing.
The organization SMPTE (Society of Film and Television Engineers) published detailed guidelines on exactly how far you should sit to optimize the performance of your television.
If you are sitting at the correct distance from your TV, you will see a lot of details, good edge definition and smooth, clean movement, but if you’re sitting too close to the screen you’ll see more images. noise and artifacts. On the other hand, if you sit too far from the TV, you will have a hard time capturing all the picture details that your TV has to offer.
The regla SMPTE para ver TV Full HD (1080p) states that you should be seated at a minimum distance of 1.5 to 2 times the diagonal size of your TV from the screen. You can sit closer to the screen if you have a 4K TV, roughly one to 1.5 times the size of the screen, as you’ll notice fewer artifacts thanks to the higher resolution.
The following distances are a good starting point:
65 inches: minimum 2.5m (Full HD) or 2.1m (4K).
50-52 inches: minimum 2.2m (Full HD) or 1.7m (4K).
46 inches: minimum 1.9m (Full HD) or 1.5m (4K).
40-42 inches: minimum 1.7m (Full HD) or 1.3m (4K).
32 inches: minimum 1.3 m (Full HD).
Keep in mind that the type of TV you want (an LCD, QLED or OLED screen) could affect your decision about the TV size, so keep that in mind.
Most 4K TVs include native apps from Netflix and other streaming services.
¿4K o no 4K?
This may seem like a no-brainer at first, butyou should really go for a 4K TV instead of a Full HD TV? Higher resolution sets, four times that of Full HD, were adopted much faster than 1080p in the past.
4K TVs are much more affordable and mainstream these days. In fact, it’s harder now than you think find HD televisions for sale. HD resolution is now only available for smaller screen sizes, between 20 and 40 inches, for example, or to meet very tight budgets. Regarding 8K televisions, for now they have a very high price.
What is HDR?
High dynamic range (HDR) is the buzzing TV buzzword that tends to go hand in hand with 4K TVs. Basically: the higher the dynamic range (brightness and colors), the more realistic the image will be. HDR offers greater subtlety and depth of color gradations, as well as stronger contrast.
There are several types of HDR, and with different TV brands endorsing different variants, it can be a minefield trying to find the best option. For example, HDR10 is the standard HDR format that you will find in all HDR compatible content, from discs 4K Blu-ray to Netflix and Amazon shows. If you are buying a 4K HDR TV, HDR10 will come as a minimum.
Then there is Dolby Vision. Unlike HDR10, which applies the Scene-by-scene HDR values (that is, each time the camera cuts to a new scene), Dolby Vision HDR applies this image information (called metadata) frame by frame. This dynamic form of HDR, when implemented correctly, has the potential to enhance standard HDR10 presentation.
HDR10 + is a rival format to Dolby Vision. Created by Samsung, it also uses dynamic metadata, but while Dolby Vision is licensed, HDR10 + is a free and open format that any business can implement however they see fit.
You’ll find Dolby Vision on select TVs from LG, Sony, Panasonic, and Philips, while Samsung powers its own HDR10 +. Panasonic and Philips have recently started supporting Dolby Vision and HDR10 +. There is a wealth of Dolby Vision content available on Netflix Original Shows, Disney +, Apple TV +, and 4K Blu-ray Discs.
HDR10 + content is mainly found in Amazon Prime Video. However, several major movie studios have signed up to use the format. Thus, the HDR10 + began to arrive to Bohemian Rhapsody, The Secret Life of Pets 2 and Godzilla: King of the Monsters.
In addition to Netflix, many 4K TVs include direct access to YouTube.
What connections will you need on your 4K TV?
Connections on televisions do not differ as much as before, and most have at least three (often four) HDMI inputs. They are sufficient, for example, for a Blu-ray player, a decoder, a game console and a media streamer.
4K TVs have at least one HDMI port with 2.0 and HDCP 2.2 certification for native 4K and HDR content, but check compatibility if you plan to connect multiple 4K sources.
HDMI 2.1 is also making its way into TV specs, bringing much higher bandwidth capacity. It allows the passage of dynamic HDR at 4K / 120fps and 8K / 60fps. It also offers eARC support.
Are you planning to improve the sound of your television with a bar? You must connect it to the input HDMI ARC (audio return channel) of the TV. This brings the audio signal directly from the TV to the soundbar. Alternatively, make sure your television has optical digital or analog outputs for connection.
While some televisions feature composite inputs, most, even at the budget end, removed the legacy connections like SCART. So those who hang on to old video recorders, for example, should be aware of that.
What kind of screen: OLED, QLED or LCD?
LCD televisions, which require a backlight usually made up of white LEDs to display an image on the LCD panel, they are available in a wide variety of screen sizes and, thanks in part to the technology’s low cost of production, at affordable prices.
OLED (Organic Light Emitting Diode) is a panel technology that uses self-emitting particles, so no backlight is necessary. This allows OLED TVs to be incredibly thin, while also offering compelling dark blacks, strong contrast, and excellent viewing angles. LG, Sony, Panasonic, and Philips are the big brands with OLED TVs in their lines. In general, OLED TVs from these brands are excellent.
QLED (quantum dot light emitting diode) is Samsung’s answer to OLED. A QLED TV is an LCD TV, but with a layer of quantum dots over the backlight.
However, the quantum dots (tiny semiconductor particles) in the QLED current do not emit their own light. Therefore, QLED TVs, like conventional LCDs, rely on a backlight.
The advantages of a QLED TV? Usually get bright and vibrant colorsplus bright, sharp images with sharp details. Samsung’s QLEDs have gotten better and better over the years, and they’re a great alternative to OLED TVs.
4K TVs have the widest variety of screen sizes on the market.
What is the best TV technology?
If you’re opting for an LCD TV, the LED backlight comes in two flavors: edge lighting or direct backlighting. The former is the most common and the cheapest to produce. The televisions are illuminated from the edge by a row of LEDs that border and face the center of the screen, which scatter the light across the screen.
The benefit? Thinner TVs. The inconvenient? Contrast often inconsistent, with the edges of the images brighter than the center. You can have direct or full matrix backlighting, with LED lights evenly positioned behind the entire screen.
In theory, full direct backlighting improves local attenuation, that is, contrast control: it keeps the dark parts of an image dark and the brighter parts at the same time. The only downside is that this method generally means a slightly thicker TV.
Smart TV apps
Smart TV features are even more common than 4K displays, and almost all new models have built-in Wi-Fi and an Ethernet connection, and host at least Netflix and YouTube apps. Most add Amazon Prime Video and other services.
Netflix and Amazon have a growing library of 4K HDR content available, so it’s always worth looking for support on the TV you buy. Remember that the fact that the hardware of a television is compatible with a certain technology does not necessarily mean that all its software does.
Also check that your future new TV has an app that offers pay-per-use movie streaming in 4K and HDR. The Apple TV app is the standard, but is only available through certain Samsung TVs, and the video streamer Apple TV 4K, of course.
The JOM group, which owns a network of 23 furniture and household goods stores in the country, and two furniture factories, is building 160 T0 apartments next to the Asprela university campus, in Porto, in an investment of 20 million euros . This is the first residential project by the group of entrepreneurs from Guimarães, Joaquim Oliveira Mendes, but plans are already in the works for Guimarães and Vila Real.
Olimpo Studios, which has been under construction since February this year, integrates two residential buildings, with 35 square meters apartments, a dimension that aims at the market for university students and young workers. According to Clávio Cristo, marketing director at JOM, this project was conceived within the concept built to rent (build to rent), the objective of the Portuguese group being the sale of apartments to investors. As he said, “being an area close to the university center of Asprela and hospitals, we opted for a typology suitable for rental needs”. Olimpo Studios is expected to be completed in April 2023.
Soon, the group should start the construction of its second residential project, this time with a focus on Vila Real. In the city of Trás-os-Montes, JOM will build a building with 33 apartments, 18 of them T1 and 15 T0. Without revealing the value of the investment, the group said it planned to have this project completed in the summer of next year. In Guimarães, the company has a pipeline for the construction of a closed condominium for the medium / high segment.
The investment in the real estate sector of the group specialized in the manufacture and trade of furniture led to the creation, last year, of JOM Construções e Investimentos. As Clávio Cristo explained, all JOM stores, from the purchase of the land to the completion of the work, are carried out by internal teams, including the coordination of architecture and specialties, the choice of materials and subcontractors, the layout design. In order for the whole process to have a more professional brand, an engineering department was created in 2018 and, in that same year, the group decided to invest heavily in the business of buying and selling real estate. With the objective of separating the waters, it moved towards the creation, in the middle of a pandemic, of JOM Construções e Investimentos.
In its first year, the new company was responsible for the construction of the Barcelos store, for the remodeling of the retail park in Caldas da Rainha, and started with the works of the logistics unit in Montijo and another brand space in Portimão. This year, he plans to start projects for the new stores in Gondomar and Torres Vedras, and the renovation of a building in Sintra that will house a 33-room hotel.
The JOM group includes two other namesake companies, one that operates the store network spread across the country and online operation, and one industrial company, which is dedicated to the production of furniture and manufactures more than 50% of the furniture sold in the brand’s commercial spaces. The group’s three companies, which employ around 500 workers, recorded an aggregate turnover of 46.2 million euros last year, with retail worth 41.6 million.
The world of payment methods is still at war. The eCommerce giant doesn’t breathe without thinking about the next step. And the banks respond
Mercado Pago does not want to lose its dominant position in Argentina. The strategy to prevent your recently emerged competitor MODE (which has more than 35 allied banks) do not gain space it is deepened, even taking a “step back” in terms of digitizing money and allowing cash withdrawals in businesses through the virtual wallet and QR code.
In this way, the Marcos Galperin giant continues to expand the possibilities for its clients. In addition to making payments and transfers, they can obtain credits, pay in more than 4,000 stores, send money by WhatsApp and get a yield on account balance. These “extras” that the digital wallet They aim to strengthen their leadership.
The same happens with the marketplacethat originated it all:Free supermarket, car sales and even a “own Falabella” are some of the moves that the company has been promoting. At the regional level, the platform recorded:
Transactions in Mercado Pago equivalent to US $ 16,000 million only in the last quarter
Almost 100% YoY increase in the volume of payments processed in dollars
125% year-on-year growth in the total number of users who pay with a virtual wallet
It exceeded 13 million users in the region, with a total record in loans granted
And its success is reflected on Wall Street: its shares tripled in value and it is, by far, the largest Argentine company globally.
Meanwhile, just as eCommerce companies were getting into the fintech world, financial entities converge towards ecommerce models, scenario that puts the Argentine unicorn on alert.
The branches of the future?
Although they arose a few years ago, banking marketplaces have managed to prevail from the pandemic, to the point that almost all major entities already have one. Conrado Marturet, CEO of Aper (in charge of the technological development of these virtual stores), explains to iProUP that “it is essential that banks begin to venture into other types of businesses and compete. ”
For his part, for Daniel Jejcic, CEO of Avenue + (another of the companies in the sector), which banks are doing is to generate an ecosystem of SMEs, made up of sellers and their portfolios. Thus, these platforms are the perfect place to expose all your products and services.
“What they are doing is managing a value proposition supported by financing,a mix between paying with money and points, loans, through the access to particular socioeconomic strata or even a combination of all these kinds of things, “he says.
ICBC was the first to develop its marketplace in Argentina, from the hand of Aper. As explained by the entity, the objective of ICBC Mall is to give one more sales channel for corporate clients, as well as an exclusive option to take advantage of the points program. Offers non-banking products and services through payment with cards or points of the program ICBC CLUB.
Financing: the key to banks
More than 200 partners and 90,000 products in stock, users can acquire articles of the most varied areas, ranging from technological to paint or clothing. In terms of services, it enables cell phone recharging, training courses at the ICBC Foundation, among others. In 2020 it added the possibility of making donations, for example, to the Food Bank.
“ICBC Mall provides the possibility of pay with credit and debit card, but also incorporates the option to redeem ICBC Club points, opening the possibility of entering our credit card on-boarding to become a customer and access various benefits “, he tells iProUP Pablo Díaz, Head of Loyalty Platforms of the entity.
In addition, it offers interest-free fees (9 for goods and services and 6 for tourism), discounts up to 50%and additional discounts for depositing the salary, which go up to 20% depending on the type of client.
Other stores and their offers
Regarding the competition, Banco Ciudad has its City Store, from which you can easily perform the online purchase of products from a wide range of items, in 12 installments without interest, free shipping in selected, discounts of up to 50% and an express sales section.
The Store works for the city and province of Buenos Aires, and also for other locations where the City has a presence: Córdoba, Mendoza, Río Cuarto, Salta and Tucumán. According to Matías Hirschmann, Marketing Manager of the City, andThe catalog is being updated based on changes in consumption habits of customers.
“We put special focus on home office products. We offer products designed under this dynamic, such as notebooks and desk furniture, among others. The modifications accompany the purchasing behavior, which migrated towards this type of article during the quarantine and also towards the online mode “, he details.
Add that offers through the Store are part of a larger benefits program what includes Promos with cards, discounts and extensive financing plans. For example, 36 installments in shops of sale of motorcycles, bicycles, in Garbarino and Compumundo, as well as offers for specific segments (30% off in pharmacies for retirees).
Cross benefits: banks allow you to use your loyalty points in discounts
Since Macro desk express to iProUP that the strategy of Macro Rewards is based on the continuous improvement for user experience, as well as diversity and new proposals. In addition, they add, “It is a mainstay work on differential benefits of interest-free savings and fees“.
There they offer different financing alternatives (up to 18 installments without interest), mix of points and weights at the user’s choice. “Customers accumulate points for consumption that they can use as a means of payment,” they point out, adding that you can buy an appliances, make cell phone recharges, loads of GOES UP, credit card savings and miles Plus Airlines, in addition to gift cards and experiences.
The proposal does not require adherence; reaches all bank customers No participation cost and shipping is included in the price of the products.
Supervielle Store also offers strong discounts and 12 installments without interest. Meanwhile, for customers Banco Nación there is a BNA Store, to acquire from motorcycles to appliances in 18 monthly payments without interest.
For its part, BBVA offers Shop, that has 175,000 clients and closed 44,000 sales in the first five months. Offers a wide catalog of more than 70,000 productsof 300 categories with special financing and discounts for users of the entity.
Santiago Benvenuto, manager of Means of Payment, Alliances and Sponsorships at BBVA, pointed out that it is a “startup within a bank” that is also developed through an alliance with an ecommerce company.
“They are dedicated to what they know, the management with the shops, the technology behind the Shop and the logistics and after-sales service. We take care of thinking good promotions for our clients and to generate a good experience in our app. We provide knowledge of the world of means of payment, which is our great strength “, he explains.
Shopping is easier and more accessible with Shop
To accompany its customers at the beginning of the year, BBVA in Argentina grants a 25% discount on all purchases within the GO BBVA Shop. The promotion is valid until March 31, 2021 inclusive. It is accessed by paying with Visa and MasterCard Credit Cards issued by the bank.
The benefit is applied to the final price, once the discount offered by the merchant has been made. For purchases made in a single payment, the limit is 1,500 pesos per account.
In addition, you can use the Now 12 and 18 financing plans and choose the shipping method or withdraw the purchase from the chosen store.
Behind the scenes
The growth strategy of each of these stores requires scalable technological possibilities. So, each bank chooses a partner with whom to ally:
Banco Ciudad, Macro and BNA, for example, have Avenida + as an ally
ICBC Mall, the Petersen Group stores, BBVA and Supervielle are run by Aper
“What banks do is competing in eCommerce embedding within each purchase the best consumer financeMarturet explains.
According to its spokesperson, the ICBC store has been experiencing sustained growth either in offer and diversity of products and categories, as in number of operations and billing, “detecting in 2020 a growth of 120% versus 2019”.
Complementing that, Marturet speaks of a 3% conversion rate on average, which implies twice the market average. It even reaches peaks of 8%: “For the client it is one of the best options to get what he needs, “he says.
For its part, the person responsible for Avenue + says: “They are generated exponential sales results and market capture. One of the great challenges they had versus ecommerce was getting a new customer. The bank made a lot of money. Through these proposals they achieve capture and retain them, as long as the shopping experience and value proposition are good. “
Since city Bank, Hirschmann shares with iProUP : “At the beginning of the quarantine, sales had grown more than 10 times, a trend that was consolidating and even increasing in the following months. Tienda Ciudad already forms a ecosystem with more than 400 SMEs or companies that they sell online through the bank’s website. ”
Although for now the marketplaces only work for bank customers, there are plans to open the game to external customers and sellers, always giving extra benefits to the firm’s clients.
Not only electronics: banks offer a varied catalog on their marketplaces
As much as banks do not speak of competition with Free market, it is clear that they are the main enemy to defeat. “At Banco Macro we understand that it is another business model. Our focus is the customer value proposition,” they remarked from the entity.
“The competition represents a stimulus and a great challenge, which forces us to constantly rethink our value proposition to be competitive“, explains the manager of city Bank and adds: “The Store has telephone sales with attention via whatsapp, which generates a differential attribute “.
The virtuous circle of this new race to win in the digital market It is closed by suppliers and many vendors who, due to the health crisis, had to close their physical stores and go online to survive.
“The bank of the future will own of the whole context of the transaction starting from its online platform, where it will give you everything you need. In the future there will be ecommerce complete that allow you to buy products, houses, cars, travel and, of course, the best financing “, concludes the CEO of Aper.
Collectible art, unique moments. Anything goes when buying and selling the new crypto trend that ranges from pictorial to masterful plays
They became the new “fever” within the crypto world. After the Bitcoin frenzy, now the token no fungibles o NFT they are on the lips of everyone who follows virtual currencies.
However, they were not conceived as coins, as in the case of bitcoin or ether, which are the native token of the networks Bitcoin y Ethereum, respectively. That’s why they are “non-expendable“, namely, nor it is possible to exchange (spend) them for another good of another nature and of comparable economic value.
Rather, these tokens store information within the blockchain and represent a unique good, a digital file that can contain text, audio, images, video, etc..
At first, the NFT were used to create collectibles (as virtual figurines) and artworks whose property is settled in the blockchain. But now it almost migrated to any digital content.
The move recently gained notoriety after several celebrities, such as LeBron James, star basketball player for the Los Angeles Lakers, who began to capitalize on them in millions of dollars.
The American athlete just sold for 200,000, 125,000 and 80,000 dollars videos of the moments featured of your career converted into a tokens. But he’s not the only one. In the last month the NBA raised more than $ 150 million selling the best plays of its stars.
In this way, NFT transform the tdigital work on a work of art, easily to trade the crypto world. Thus, artists, musicians and influencers are turning to this move as a way to get the investors look at your projects.
But also tech personalities are entering this market: Jack Dorsey, CEO of Twitter,sold on u $ s2.5 million the first message of the platform, while the remembered GIF “Nyan Cat” is at $ 600,000.
Emiliano Limia, Press Officer of Buenbit, affirms to iProUP that the classic example used to understand its operation is the analogy with money fiat (currencies such as the dollar or the euro).
“A$ 100 peso bill is worth exactly the same as another $ 100 bill. One DAI is worth exactly the same as another DAI. That is why they are expendable goods“, he adds.
Limia says that one NFT “it is completely different from a cryptocurrency: it has unique characteristics and represents something different“And complete:” Nor can they be subdivided. They were created with the aim of exploring digital scarcity, the possibility of registering a unique and irreplaceable good“.
Maximiliano Hinz, Latam Operations Manager de Binance, agrees that a non-fungible token does not have a “liberating character”, that is, that no there are several identical unitsthat can be used as exchange currency, as with Bitcoin, but they are unique.
Anyone can create their own non-fungible token
According to the executive, these tokens are “a copy of the smart contract of a network (such as Ethereum) where the information is stored. Lately, the artistic type is in fashion, which are ultimately images.”
Hinz remarks that, as with cryptocurrencies, being the first to join this new trend (what is known as early adopter) It can generate economic benefits.
“If it is established as a valid way to commercialize art over time then those who bought the first pictures will find a higher profitas the value of the works will be equated with that of traditional art, “says Hinz.
But he remarks that it is also possible to acquire other types of non-fungible tokens, “such as a Internet domain. Thanks to projects like Namecoin it can be tokenized and it would be an NFT. ”
In addition, the director of Binance highlights that NFT have as “benefit that they can be bought with cryptocurrencies, making their commercialization more dynamic.”
Thus, any file of picture, audio o video can be offered as an NFT. However, there are certain issues to consider when deciding to buy one.
Mainly, it would be necessary to decide which marketplace to use, in what kind of digital wallets can manage them and what cryptocurrency it will be needed to complete the acquisition.
But if you want to sell, the methods may vary depending on the platform used. In practice:
It goes up content to a marketplace
Then you have to follow the instructions to convert it to an NFT
Specifications should be included, such as a job description and a suggested price
Hinz states that “the shape to earn money with these tokens is through yourexchange, as with a artwork. If our paintings have a buyer then we will be making money from marketing, as with an NFT “.
“Beyond the potential monetary benefit, be a early adopterprovides the possibility of forge direct relationships with the most important exponents of the industry and, therefore, have access to all related news. It is a great opportunity to become referent or opinion leader for the future“, advises Limia.
Highlight that another industry that embraced NFTs is sports. “Great soccer teams have turned to this new revolution to produce their own digital collectibles dedicated to fans of this sport. TheBarcelona, Paris Saint Germainand Atlético de Madrid they already have their propios NFT issued on Ethereum, “he says.
Without going further, Diego Maradona Had his own non-fungible token, as it was exclusively anticipated iProUP. The company Sorare, which offers an international blockchain-based fantasy league (similar to Gran DT), added to its platform the late star and the club he ran, Gimnasia y Esgrima de La Plata. Were the first from South America, but now River Plate also joined to the move.
Thus, users can buy the “figurines 4.0″ of footballers and create a team on each date with five of them: a goalkeeper, a defender, a midfielder, a striker and a technical director.
And not only can they win prizes in virtual currencies –Convertible into dollars– according to performance of each one on the different dates of their respective leagues, but also to sell those figurines to other fans when they want to renew their campus and even collect them.
To give an idea of how much this market moves, Cristiano Ronaldo’s card was sold for a value equal to u $ s 2,600 million on Sorare’s platform.
Buy and sell
Edy Weber, CEO of Koibanx, comments the iProUP what each piece of the real or digital world must be unique, authentic and unrepeatable to become a NFT in the blockchain.
“Today the artists can tokenize their works, sell the originals and establish a value in its pieces that can be bought by collectors or investors that now have their property registry, “he says.
“A well-known example of the use of non-fungible tokens is that of CryptoKitties, a decentralized app in which there are virtual cats that can be collected. Each cat (or active) is represented by a non-fungible token and with its own characteristics “, he mentions.
Crypto art: NFTs revolutionize the way works are commercialized
He also remarks that there are platforms that they converted in a very short time in the great markets of digital art and the custodians of a nbillionaire egoism, which has not stopped growing in recent months. Some of them are:
Opensea: is he Today’s most important NFT marketplace. Lets buy, sell and auction off artwork and collectibles
Nifthy Gateways: one of the most active digital art buying and selling communities
Theta: it has its own blockchain and digital currency and is presented as a platform that will change the way videos are broadcast
Enjin Coin– Integrate video games into the NFT business
Decentraland– Provides a virtual world where users can create your own objects, develop applications and monetize
Flow: created by those responsible for CriptoKitties, it focuses on the ddistribution of games, apps, and digital assetsIt has as partners NBA, Ubisoft and Warner Music
“Those who see a value in the represented object, acquire it in some cases as investment, speculating with the rise of its value, “says Wber.
For his part, Hinz remarks that the market for non-fungible tokens is still did not reach the point of full maturation, so its derivatives either. In consecuense, this is a good time to start exploring them.
“I would like to see museums like the Louvre with a digital exhibition of NFT, at that time I think we could say that they have become an established platform for art transfer. It would not be strange that in the near future we see large galleries and museums with their own collection of non-fungible tokens, “he anticipates.
In this way, the crypto world offers another fast and decentralized way of transmitting value. And not only economic, like Bitcoin, but artistic and even emotional. Another revolution that is here to stay.
Madonna just shelled out a whopping $19.3 million for The Weeknd’s sprawling California estate.
The “Save Your Tears” singer, 31, first listed the Hidden Hills home last June for $25 million before the property got a $6 million price cut.
He initially bought the 12,500-square-foot-plus mansion in 2017 for $18.2 million, property records show.
Madonna, 62, closed the deal on April 9.
Encompassing seven bedrooms and 9.5 bathrooms, the home sits on nearly three acres of grassy lawns and sun-drenched hillsides and is surrounded by redwood trees for ultimate privacy.
Features of the home include an entry hall with a double-height ceiling and a two-story window wall, an expansive chef’s kitchen, and an entertainer’s bar.
Pocket doors open to multiple terraces which boast views of the pool, spa and cabana.
Other amenities include dual master suites, an office, a wine room, fitness studio, theater, spacious barn, five-car auto gallery and a full basketball court.
The main house holds seven bedrooms, while the guest house has two bedrooms.
While the “Material Girl” is plunking down a big chunk of her fortune, The Weeknd, whose real name is Abel Tesfaye, owns a $21 million penthouse in Los Angeles’ Westwood neighborhood. He also recently renewed his lease on a $60,000 per month Tribeca penthouse.
Madonna moved into a 58-acre farm in Bridgehampton in 2015 following complete re-construction. She also has properties in London and a penthouse in Manhattan.
The Weeknd was represented by Angel Salvador at The Agency while Madonna was represented in the deal by Trevor Wright at The Beverly Hills Estates.
The monetary authority developed a series of tips to clear the doubts of bank customers and users of financial services
The central bank released a series of questions and answers to clear up common doubts from users of the banking and card system in Argentina.
They range from canceling a banking product or service, to filing a claim with the BCRA, including what operations can be carried out from a savings bank, among other topics.
Here are the 10 key tips from the Central Bank for users of the financial system:
1. What are the main rights of users of financial services?
Users of financial services have the right to receive a fair and dignified treatment, to the protection of their security and economic interests; to obtain adequate and truthful information about the terms and conditions of the services that they contract, as well as to receive a copy of the instruments that they subscribe and to freedom of choice.
People with reduced mobility have the right to priority care and, if they have visual difficulties, they must be provided with the appropriate instruments for their access to financial services.
For those who have exercised the right to have their identity recognized, financial entities are obliged to rectify the identity and reprint all the essential elements such as debit card, credit card, account statements and others. In addition, the entity must guarantee dignified treatment on issues of gender, modesty and privacy.
2. How to turn to the people responsible for customer service in banks?
All banks are required to report at least a person responsible for customer service as owner and one as alternate, with a contact telephone number and email. The Central Bank publishes this information on its website. To find out who are the persons responsible for each Obligated Subject: https://www.bcra.gob.ar/BCRAyVos/Responsables-Atencion-cliente-Bancos-companias-financieras.asp
Financial companies, card issuers and other entities covered by the regulations on the Protection of Users of Financial Services also have the obligation to inform those responsible for customer service.
Banks: they must have people responsible for providing customer service channels.
3. How can a product be unsubscribed?
Banks should allow account closure at any branch –Not necessarily in the filing of the account– as well as through electronic means (mail, telephone, homebanking, ATM).
Even with outstanding debts, a credit card can be canceled. Only in that case may they require that the procedure be carried out in person, at any branch.
When requesting the cancellation, the entities cannot charge any charge or commission, except for the sending of the physical summary and the eventual recovery of a debt not canceled.
It is important to always ask for proof of the procedure carried out or the management number. If debts are registered, they will not be able to demand their cancellation as a condition to revoke or terminate the service.
Acceptance of a product or service can be revoked within a period of ten (10) business days from the date of receipt of the contract or the effective availability of the product or service, whichever occurs last, with reliable notification or by the same means in which the service or product was contracted.
4. How to file an unresolved claim with the Central Bank?
The claim must always be made first at the bank and the bank must inform the assigned procedure number within a maximum period of 3 business days.
If 10 business days have elapsed since the claim and no response was obtained or it was not satisfactory, the claim can be formalized before the Central Bank at this link: https://www.bcra.gob.ar/BCRAyVos/Reclamos-no-resoluciones .asp
5. How do you know if you have a debt with a bank?
The Central Bank of the Argentine Republic has the Central Debtors Office, which is a registry that shows debts or amounts with financial entities for non-payment of loans or credit cards for the last 24 months. It also shows if there are any bounced checks, other credits, or provincial tax debts. To consult the information, you must enter with the CUIT at https://www.bcra.gob.ar/BCRAyVos/Situacion_Crediticia.asp
The information published in the Debtors Central is provided by banks and other entities, therefore, if you want to make a request for rectification, updating, deletion and confidentiality in the registry in the Debtors Central, you should contact the entity that reported these data to the Central Bank and, if the claim proceeds, it corresponds that the entity requests the BCRA within 10 calendar days of the request, that the modifications in its databases be made.
Financial products: if the banks do not resolve the claims, the clients can go to the Central Bank.
6. How can you access a free bank account?
There is Universal Free Account (CGU), which is a savings bank in pesos, with opening, maintenance, fund movements and free balance inquiries. It is necessary to have a DNI and not have another bank account. Includes a debit card to make purchases in stores and access the ATM.
It has no opening or maintenance costs. Balance inquiries can be made at ATMs of different banks and networks in the country. To learn more: https://www.bcra.gob.ar/Noticias/Relanjando-Cuenta-Gratuita-Universal.asp
All Savings Banks in pesos are free to open, maintain and provide a debit card.
7. What operations can be done from an open savings bank to pay for social assistance plans or programs?
These are accounts that are opened at the request of the National Social Security Administration (ANSES) for the beneficiaries of an assignment such as the AUH, plans and programs of social assistance.
Accreditations are accepted for all concepts, but there is a limit (established by the National Council for Employment, Productivity and the Minimum, Vital and Mobile Salary).
This type of account allows movements free of charge, such as: account opening and maintenance, withdrawals at all ATMs in the country without amount limits, cash withdrawals at the counter, as well as purchases and / or cash withdrawals with the credit card. debit.
8. What modality exists to establish a fixed term?
Can be done Fixed deadlines Through the website or mobile banking of any bank, which will debit the funds from the account in pesos of origin. Banks cannot charge commissions or fees for the use of this fixed-term modality, nor can they establish limits on amounts.
There are different alternatives for fixed-term investments and the bank may offer them. Like the traditional fixed terms, at a minimum of 30 days, and the pre-cancelable fixed terms in UVA that aim to provide an attractive alternative for savings in local currency, adjustable to the evolution of prices at a positive real rate. They admit the option to cancel it after 30 days. They offer an interest rate that cannot be lower than UVA + 1% nominal per year for those who opt for the 90-day term.
You can consult the rates offered by entities for fixed terms online and choose the most convenient alternative: https://www.bcra.gob.ar/BCRAyVos/Plazos_fijos_online.asp
9. When are the transfers immediate?
The immediacy of the transfers applies to natural or legal persons who are holders of a savings account, a salary account or a checking account.
The amounts of immediate transfers in pesos, per day and per account are:
Up to $ 125,000 for ATMs.
Up to $ 250,000 for homebanking.
On specific occasions, and due to security issues and preventive controls applied by entities, there could be some delay in accreditation.
10. How much do you charge to withdraw cash from an ATM?
It has no cost for the holders of debit cards associated with salary accounts, retirement payments or social plans. They have the benefit of withdrawing cash from any ATM, regardless of which bank or network they belong to.
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After the end of the freeze, the amount of the quotas exploded and thousands of families were unable to cover the payments. The Government still does not give answers
The scenario for those affected by the thawing of the UVA credits it does not stop winning in drama. While the official decision persists not to bring solutions to the more than 105,000 families now facing the unfreezing of quotas, the banks began to move the chips and the first executions for non-payment have already been activated.
The first resonant case corresponds to Marcelo Macaluso, a mortgaged from San Rafael, Mendoza, who was just notified that your home will be evicted and then auctioned. The mortgaged in question, father of 4 children, obtained in 2017 a loan from the UVA system of 2 million pesos.
Due to the effect of inflation and the post-freeze adjustment, added to the amounts due to non-payment, Macaluso went to duty 9 million pesos.
“Two years ago he stopped paying due to various complications. The main one: he has a personal loan and that caused his salary to be garnished. That is why he could not continue complying with the UVA. A week ago they informed him that, for not paying, he was they will execute the house, “he commented to iProfesionala spokesperson for the Hipotecados UVA organization.
Macaluso himself acknowledged that even by selling the property he could not raise the debt and cancel the mortgage.
“We took the loan from Banco Nación for 2 million pesos, about 102,000 UVA, for 30 years. In the beginning it was normal, the first installment was 13,900, from the second onwards the loan was normal and we paid about 9,000. But from then on, it became more complicated due to the increase in the quota, “he said.
“The capital owed rose monstrously, the debt became more and more expensive and today the bank executes me for 9 million pesos. I stopped paying in April 2019 and the fee was close to 20,000 pesos and what I owed was 4 million. We tried to prioritize it because it is your roof, but I was also getting into debt in other things. We didn’t even have enough to eat“, he exposed.
Since UVA mortgaged they anticipatediProfesionalthat there are also executions when falling in Tierra del Fuego, Buenos Aires and La Plata. This weekend, the organization launched a campaign to demand political responses to this extremely complicated instance that thousands of families go through throughout the country.
“The Frente de Todos gave its house –reference to Marcelo Macaluso– and that of each family #HipotecadosUVA to the financial system. Today they touched us all. Alberto Fernández, it’s time to choose between the people or the banks“says the request that circulates on social networks.
The first execution began in Mendoza and similar processes are taking place in other provinces.
Properties for sale
As this media recently stated, the ruling party barely accompanied the end of the freeze with a convergence plan of 18 installments, always with the prospect of ending the amounts that were pending from the suspended payments stage. For the mortgaged, the decision represented a backpack of lead: they face a heavy payment while the installments continue to rise due to the effect of prevailing inflation.
“In the collective we find that every day there are 4 to 6 families who take the difficult situation of putting their home up for sale“, said toiProfesionala representative of Hipotecados UVA. Without failing to point out that, to top it all, the sale of real estate continues to be paralyzed, which is why there is no immediate exit for the indebted.
Débora is one of the mortgaged women who, together with her husband, have just made the decision to part with their home due to the impossibility of meeting the payments.
“We took a Procrear UVA in December 2017. We had signed up on several occasions in the previous one. We were raffled in the management of Macri. We started with a low fee of 6,000 pesos, today we are paying more than 26,000. To have our house we ask an amount of 940,000 pesos, we received the subsidy that ANSES gives you, and the rest we put in. Today we owe the bank 3 million pesos, “he told iProfesional.
“Unfortunately, we had to make the decision to put the sale sign on the house. They frozen the quota but not the UVA, so it continued to increase. At the time, what was arranged is the possibility of deferring quotas. We opted for that measure during the pandemic, but March was the last that could be deferred and now in April we have to face the payment of the quotas, “he added.
The interviewee remarked that, while inflation never stopped accelerating, “our quotas did not stop increasing.”
“We are talking about increases of more than 300 percent in just 3 years. Today there is talk of a basic basket of 60,000 pesos. It is very complex to face all the increases that support a family implies plus the usury that UVA credits represent, “he said.
There is also the situation of Romina and her family, who in September 2017 agreed to a financing of 3 million pesos in initial installments of 20,000. Today they owe 9.5 million pesos and face monthly payments of 75,000.
In dialogue with iProfesional, Romina expressed that it is “impossible to pay the quota”, in addition to pointing out that “when (Alberto) Fernández took office, in his campaign and together with Cristina Kirchner, they promised us a solution to our problem and we are waiting. Unfortunately, they look the other way. “.
“We need help. We want to pay. We are working people, we do not want subsidies. But this debt, which is unpredictable, cannot be paid by anyone. We have two children. Either we pay or we eat. I had to put the house up for sale because we don’t see any other solution“, he stressed.
Matías, meanwhile, took out a UVA loan in 2017 for just over 1 million pesos to acquire a PH. From December of that year to this part, your debt rose to 3.6 million pesos. “Due to all this situation, this debt that is a snowball and with the uncertainty of not knowing what you are going to pay next month, with my partner we have decided to put the apartment up for sale,” he told this medium.
More than 100,000 families face major complications in meeting the updated fees.
An expanded drama
The first freeze was imposed in 2019 and the unpaid amount was to be prorated last year, but the emergence of Covid-19 led to an extension of the measure.
After the successive interruptions, 2021 was reached in which, since March, the borrowers began to face an updated installment due to inflation and a fraction of what was not paid since 2019 to this part. Those who accessed the UVA during the macro period, according to the provisions of the Government, have to cover these recharged amounts for at least 18 months.
UVA increased more than 305 percent between 2016 and 2020 while wages in the same period hovered around a 245 percent rise. The loss of payment power of those who accessed the loans would continue to deepen this year, always based on projected inflation.
At the end of January, the organization that integrates the mortgaged ones stated that, given the inflationary scenario, “without freezing and without the possibility of deferring until the end of the credit, -the UVA- will become a time bomb that will be impossible to pay. “.
The bomb finally exploded. And, along with the loss of homes that began to generate its expansive wave, the only thing that has been left standing is the absence of political will to guarantee the continuity of the roof to thousands and thousands of families.
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The chronicler Jerónimo Mura presented a symptom of Covid-19 in full coverage of a news item, causing laughter and discomfort in the driver
An unusual moment mixed concern and tension in Eduardo Feinmann’s El Noticiero de La Nación + when the chronicler Jerónimo Mura presented a symptom of Covid-19 in full broadcast, causing laughter and discomfort in the program’s host.
Feinmann was talking with the young journalist, who was on a mobile phone at the Constitución station to cover the population controls after the new restrictions by the second wave of the coronavirus pandemic.
One of the security measures installed at the train station is a kind of digital thermometer in a thermal camera, the results of which are displayed on a screen, and the movilero went there at the request of the presenter of LN + and Radio Rivadavia. “Let’s see, put on you to see how much temperature you have“Feinmann asked the reporter of the news signal.
The tone of the talk changed when Mura’s temperature that appeared on the sensor was over 37 degrees., oscillating between 37.3 and 37.8, a measure that is already considered a low-grade fever, and that in these times turns on the alarms in the face of a possible positive case of Covid-19.
“It just seems to me that it was at 37.4,” Jerónimo said as he positioned himself in front of the camera. “Ah, well, we’re in the oven,” the lawyer from the study quickly replied.
Eduardo Feinmann’s reaction
The host of El Noticiero first asked his partner if he was close to the mobile camera, assuming that the light from it could cause his body temperature to rise. However, the cameramen present on the floor told him that this was not possible.
Being denied, Feinmann started laughing and he launched: “This is live television. As a friend of mine would say, why did I ask you to take your temperature? Look at the rampage I just did.”
Worried, the political analyst asked the chronicler to get back in front of the thermal camera, and it continued to throw 37.7 degrees. “We are complicated”, assured the movilero.
“You look at one thing, the rest of the people who pass are all with 36“said the driver with a smiling tone.
Far from the laughter of Eduardo Feinmann, Dr. Claudio Zin seriously told Mura to have a test done to find out whether or not he was infected with the coronavirus and is Covid-19 positive.
Eduardo Feinmann lived an uncomfortable moment on the air
“More true than this, television cannot be. A thousand apologies, Jero,” concluded the presenter of La Nación Más.
Minutes later, Jerónimo Mura came on the air again to bring everyone calm and disclosed that its elevated temperature was the product of an approach to the thermal camera sensor.
The chronicler exemplified this by slowly approaching the device, and it was seen how his temperature on the screen went from 36 to 37 depending on where he walked.
“Ah, but that’s crap then,” Dr. Zin shot indignantly.