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Monday, January 20, 2020

Business News, Updates

Business News, Updates

Open Banking 101: How Financial Institutions Can Take Advantage of a Global Movement

Posted: 20 Jan 2020 10:01 AM PST

Open banking, which has been implemented in the U.K., involves sharing customers' financial information electronically and securely, but only under conditions that customers approve.

Open banking forces lenders to offer a digital "fire hose" of data that any third party can use to get standardised access — provided the startup is registered with the UK Financial Conduct Authority (FCA) and the customer agrees to share their data.

This system has already taken root in the U.K., but it could soon spread to the rest of the world. That's why Business Insider Intelligence has put together a report called Open Banking 101: How Financial Institutions Can Take Advantage of a Global Movement to Collaborate with Partners and Developers.

See the rest of the story at Business Insider

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What Marketers Should Know About TikTok Ad Formats and a Roundup on Partnership News

Posted: 20 Jan 2020 09:31 AM PST

At Business Insider Intelligence, our mission is to bring you the most important insights, data and analysis from the digital world. So when we come across outstanding research from our partners that we think our audience can benefit from, we like to make sure you hear about it.  That's why we're giving you a preview of eMarketer's new report: Marketing on TikTok. You can purchase and download the full report here. It's now been more than a year since TikTok launched in the US, and in that short period, the Chinese-owned video app has capitalized on the viral nature of its platform by partnering with a number of brands and slowly unveiling a slew of advertising capabilities.FILE PHOTO: The logo of TikTok application is seen on a mobile phone screen in this picture illustration taken February 21, 2019. Picture taken February 21, 2019. REUTERS/Danish Siddiqui/Illustration

Cosmetics brand e.l.f. is one of the latest advertisers to launch a paid campaign targeting TikTok's Gen Z user base. Using the popular "Hashtag Challenge" ad unit, the brand recently launched its #eyeslipsface campaign, encouraging TikTok users to create videos showing off their makeup using an original song created for the activation. e.l.f. Beauty also purchased a 24-hour takeover ad, which prompted users to participate in the challenge upon opening the app.

"Gen Z is a huge audience for us," said Kory Marchisotto, CMO of e.l.f., in an interview with eMarketer about the news of the partnership. "It's of critical importance to make sure we're not only where they are, but also serving up content that's relevant to them."

See the rest of the story at Business Insider

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I moved from Canada to the UK almost 7 years ago, and while I love London, I can see why Meghan Markle prefers my home country

Posted: 20 Jan 2020 09:30 AM PST

meghan markle prince harry canada flagDANIEL LEAL-OLIVAS - WPA Pool/Getty Images

  • I moved from near Toronto, Canada to London, England nearly seven years ago.
  • Like Meghan Markle, I've spent the past few years living with a Brit — and while I love London, my job, and the friends I've made, I can see why she and Prince Harry want to move to my home country.
  • Canadians are among the friendliest people you'll ever meet — Canadian Prime Minister Justin Trudeau even told the couple that in Canada they're "among friends, and always welcome here."
  • The landscape across Canada is stunning (and varied), the cities and town are diverse, and it gets real — and sunny — seasons.
  • Ultimately, though, for Markle and for me, being in Canada means being closer to family and friends.
  • Visit Insider's homepage for more stories.

Meghan Markle and Prince Harry love Canada — and as someone who has lived in both the UK and the Great White North, it's easy to see why they'd want to move there.

When the royal couple officially give up their royal duties in the spring, they plan to split their time between the UK and Canada, Buckingham Palace confirmed earlier this month, though rumors suggest they could move to the North American country permanently.

See the rest of the story at Business Insider

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One of Facebook's top executives had an awkward public face-off with Amazon's CTO over making money from user data

Posted: 20 Jan 2020 09:24 AM PST

Nick Clegg

  • Facebook's most senior lobbyist Nick Clegg attended the DLD conference in Munich on Monday, and took questions from the audience.
  • Amazon CTO Werner Vogels was in the audience and stood up to ask Clegg an awkward question about the way Facebook monetizes its users by collecting huge amounts of their data.
  • Clegg said Facebook doesn't sell user data, and said the platform has made strides in user transparency surrounding data sharing.
  • It was a rare instance of execs from two major tech companies spatting in public, and shows that
  • Visit Business Insider's homepage for more stories.

One of Facebook's top executives had a surprise face-off against Amazon's CTO while giving a talk at the Digital Life Design (DLD) conference in Munich on Monday.

Facebook head of communications Nick Clegg did an interview at DLD and took questions from the audience at the end.

See the rest of the story at Business Insider

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SEE ALSO: A group of small tech firms told Congress that Google, Apple and Amazon used bullying tactics to try to crush them. Here are some of the most astounding stories they shared.

Nancy Pelosi's daughter said she was able to hand Trump a bottle of water in the White House without anyone checking it wasn't contaminated

Posted: 20 Jan 2020 09:13 AM PST

trump waterKevin Lamarque/Reuters

  • House Speaker Nancy Pelosi's daughter Alexandra handed President Donald Trump a water bottle in teh White House without anyone checking it for potential contamination, according to a new book about the president.
  • Pelosi was directing a film at the White House when the incident happened six weeks after Trump was sworn in, said the book, titled "A Very Stable Genius." An excerpt of it was published in Vanity Fair.
  • Pelosi, who had been to the White House before, said it was highly unusual for her to witness such a lax security system on who gives the president food and drink.
  • Visit Business Insider's homepage for more stories.

The daughter of House Speaker Nancy Pelosi was able to hand over a bottle of water to President Donald Trump without having anyone check for contamination, according to a new book about the White House.

An excerpt from "A Very Stable Genius," written by Washington Post journalists Philip Rucker and Carol Leonnig, highlighted a glaring security lapse in the White House that took place six weeks after Trump's inauguration. The excerpt was published on Vanity Fair on Monday.

See the rest of the story at Business Insider

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SMB LENDING REPORT: How alt lenders are providing SMBs with new funding options, and the ways incumbents can respond to stay ahead

Posted: 20 Jan 2020 09:01 AM PST

This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here. Current subscribers can read the report here.

Small- and medium-sized businesses (SMBs) are vital creators of wealth, income, and jobs in the global economy. For example, they make up 99.9% of all private sector businesses in both the US and the UK, and they employ 60% and 48% of all workers in those countries, respectively.

smb lending stretchBusiness Insider Intelligence

See the rest of the story at Business Insider

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I took a $20, 4-day train ride between Zambia and Tanzania, and even though it was delayed by an entire day, I'd do it again

Posted: 20 Jan 2020 08:56 AM PST

On TAZARA train to Dar es SalaamBen Mack / Insider

  • Hoping to experience an African safari on a budget, I recently traveled first class on the TAZARA train from Kapiri Mposhi, Zambia to Dar es Salaam, Tanzania for $20.
  • The journey was supposed to take three days, but because of several delays, it ended up taking four.
  • The views were terrific, the food was surprisingly good, and there were a number of amenities onboard including a lounge, but after a while, it did seem to drag on.
  • Even though I didn't get to see much wildlife, the scenery was incredible, the train was comfortable, and the price was so affordable that I'd do it again.
  • Visit Insider's homepage for more stories.

The TAZARA is a local passenger train that goes from Zambia to Tanzania — and is supposed to be one of the world's most scenic train rides, according to The Guardian, offering a chance to see some of Africa's famous wildlife, like elephants, zebras, lions, giraffes, and more as it travels for days. The BBC reported that it was like going "back to train travel of a bygone era."

I recently traveled on the train. Though in many ways the journey was what I hoped it would be, it also turned out to be far more unexpected than I was anticipating. It was far more luxurious (meals could be ordered and brought to the cabin, for example), but also took a fair bit longer than I thought the journey would. Here's what it was like to spend several days on board for the price of a pair of movie tickets.

There was no line at the station in Kapiri Mposhi, Zambia. My first-class ticket cost $20 — and looked like something you'd get at a raffle.

Ben Mack / Insider

You can reserve tickets by phone in advance, but I was able to walk right up to the window and buy a ticket easily. For about 300 kwacha (the currency of Zambia) in cash, or about $20, I was able to get a bunk on what I was told was the "best" first-class carriage.

After a delay of two hours that was not explained, we were finally able to board.

Ben Mack / Insider

There was not much to do at the station. The only restaurant was closed, and there was no WiFi — so the two-hour delay felt even longer. Showing my ticket, a uniformed man led me through the crowds directly to my cabin. "Enjoy the adventure," he said with a smile.

My cabin was more luxurious than I expected, even though it was small and there were four of us in it.

Ben Mack / Insider

The cabin had four bunks, a small table, and storage space above the door and under two of the bunks. Each bunk also had a pillow and bright-colored, thick blanket with "TAZARA" emblazed across it in thick black letters. My lower-right bunk was comfortable to sit on — a good thing, since that's where I was going to be spending a lot of time for the next few days.

In the cabin with me were Edwardo and his uncle Venango, who were going to Dar es Salaam for a holiday, and Yves, an NGO worker from Halle, Germany on his way to a seminar on the island of Zanzibar. We all got on well — none of us kept each other up at night.

See the rest of the story at Business Insider

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The spread of China's mysterious, fatal Wuhan virus is poised to get infinitely worse as the Chinese New Year travel rush begins

Posted: 20 Jan 2020 08:44 AM PST

wuhan virus china travelReuters

  • A deadly coronavirus known as the "Wuhan virus," or 2019-nCoV, is gripping China.
  • At least three people have died from the illness, which originated in a seafood market in Wuhan, central China.
  • The disease has since spread to at least two other Chinese cities and three other Asian countries.
  • The spread could get much, much worse as hundreds of millions of people prepare to travel home for the Lunar New Year holidays this week, and cram into crowded train stations and airports.
  • Authorities around the world are ramping up border health screenings, but scientists and Chinese citizens both say they're not enough.
  • Visit Business Insider's homepage for more stories.

The spread of China's mysterious, deadly coronavirus could accelerate rapidly as hundreds of millions prepare to travel home for the Lunar New Year holidays this week, as citizens bemoan the inadequate measures authorities are taking so far.

The country is scrambling to halt the spread of 2019-nCoV, also known as the Wuhan virus. The infection originated in a seafood and meat market in Wuhan, a large city in central China.

See the rest of the story at Business Insider

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I've tried 4 major tax software programs, and TurboTax gets me the biggest refund every time

Posted: 20 Jan 2020 08:18 AM PST

dad with baby in armsHalfpoint Images/Getty Images

  • I've tried professional tax preparers and four different tax software programs, and I'm sticking with TurboTax for my family's taxes this year.
  • While it isn't the cheapest around, using TurboTax last year got me a much higher refund than I would have had with other apps I tested.
  • TurboTax makes it easy to input details from your financial life. Most people with basic computer skills should be able to navigate the simple menus and forms with ease.
  • Use TurboTax to file your taxes this year »

Let's just skip the joke about death and taxes and get right to it: The deadline to file taxes for 2019 is about three months away. That means you have a limited window to complete your tax forms and ship them off to the IRS. 

To avoid the stress of filing on the very last day, it's a good idea to get an early start on gathering your tax forms and pulling together anything else you may need for Tax Day 2020.

See the rest of the story at Business Insider

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Take a look at what technologies retailers are introducing to revamp the in-store experience

Posted: 20 Jan 2020 08:16 AM PST

In the US, store closures are at an all-time high. 

Robots can be used to keep aisles clean and well stockedBusiness Insider Intelligence

With 88% of total sales, brick-and-mortar is still the dominant driver of retail spend in the country, but in-store earnings aren't growing fast enough to keep the doors open.

See the rest of the story at Business Insider

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A kidnapped California teenager was rescued after she alerted her friends using Snapchat

Posted: 20 Jan 2020 08:05 AM PST


  • A 14-year-old girl who was kidnapped in California was rescued after she used the Snapchat app to alert her friends.
  • Her friends found her by using Snap Map, a feature that allows a user's exact location to be shared.
  • The girl was found inside a motel room.
  • Police say she had been drugged and sexually assaulted by a 55-year-old man named Albert Thomas Vasquez.
  • Vasquez was arrested and has been charged with kidnapping to commit rape, false imprisonment, and sexual assault charges.
  • Two other men, who police say helped Vasquez, have also been charged with kidnapping and conspiracy.
  • Visit Business Insider's homepage for more stories.

A 14-year-old girl from California who was kidnapped was rescued after she used Snapchat to alert her friends, police said.

The teenager was found inside a motel room by San Jose police last Tuesday after she used the popular social media app to tell her friends that she had been abducted, but that she didn't know where she was.

See the rest of the story at Business Insider

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Disney finally opened 'Star Wars: Rise of the Resistance' and it could be a big boost for business

Posted: 20 Jan 2020 08:04 AM PST

Rise of the ResistanceMatt Stroshane/Disney

  • Disney recently opened "Star Wars: Rise of the Resistance" in both Disneyland, California and Disney World, Florida.
  • "Star Wars" fans have delayed visiting the parks until the star attraction opened, meaning the new rides promise to release pent-up demand and boost Disney's theme-park business.
  • Domestic park attendance slid 3% in the third quarter, and Disneyland attendance fell in the fourth quarter.
  • Visit Business Insider's homepage for more stories.

Disney recently opened "Star Wars: Rise of the Resistance" — one of the two star attractions in the "Star Wars: Galaxy's Edge" areas of Disneyland, California and Disney World, Florida. The rollout of the rides, more than six months after the "Star Wars"-themed sections opened, promises to release pent-up demand and provide a welcome boost to Disney's theme-park business.

"There are people that are just waiting for the whole thing to be open, which is fine," Disney CEO Bob Iger said on the media titan's fourth-quarter earnings call in November.

See the rest of the story at Business Insider

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Grigor Dimitrov's tracksuit has been called the 'highlight' of the Australian Open so far, but fans are undecided on whether they like it

Posted: 20 Jan 2020 08:04 AM PST

Grigor DimitrovGetty/Clive Brunskill

  • Grigor Dimitrov split fans opinion with his choice of attire during the first round of the Australian Open.
  • The Bulgarian wore an an outlandish tracksuit to enter the Melbourne Arena on Monday ahead of his clash with Juan Ignacio Londero. 
  • "Even Grigor Dimitrov, who's very handsome, can't pull this off," wrote one Twitter user, while another compared him to a White Spotted Boxfish.
  • Others liked it, however, with one fan giving it "5/5 stars," and Eurosport UK calling the outfit the "highlight of the Australian Open so far."
  • Dimitrov, who says he loves "being different," cruised into the second round, beating Londero 4-6, 6-2, 6-0, 6-4.
  • Visit Business Insider's homepage for more stories.

"I don't want to be vanilla," Grigor Dimitrov said when asked about his choice of attire for the first round of the Australian Open on Monday, according to ATP Tour.

"I love being different when it comes to things like that."

See the rest of the story at Business Insider

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Aaron Rodgers said the latest playoff loss stings more than usual because 'I don't have the same number of years ahead of me as I do behind me'

Posted: 20 Jan 2020 08:03 AM PST

aaron rodgers 49ersBen Margot/AP Images

  • Aaron Rodgers said the Green Bay Packers' loss to the San Francisco 49ers in the NFC Championship hurt more than losses earlier in his career.
  • Rodgers said he has a greater appreciation for what it takes to make it deep in the playoffs, and that he knows "I don't have the same number of years ahead of me as I do behind me."
  • Rodgers said the Packers' success this season under first-year head coach Matt LaFleur surprised him and he thought making it to the Super Bowl was "meant to be."
  • Rodgers had a slight decline in play in 2019, and it's unclear how long the Packers' championship window will be open.
  • Visit Business Insider's homepage for more stories.

The San Francisco 49ers beat the Green Bay Packers, 37-20, in the NFC Championship on Sunday to advance to the Super Bowl.

While the win looks like just the start of something special for the upstart 49ers, the loss raises more questions for the Packers about how long their window will be open with Aaron Rodgers.

See the rest of the story at Business Insider

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Read the pitch deck that helped Divvy raise $30 million to provide alternate financing for prospective homebuyers

Posted: 20 Jan 2020 08:01 AM PST

Buying a home, particularly for Millennials, is a complicated and expensive process – at times it can be complicated and expensive enough to discourage potential buyers from even trying.

Enter Divvy, one of the many Silicon Valley startups working to change the way people buy homes. The company is specifically interested in providing alternative financing options for prospective homebuyers who don't qualify for traditional mortgages.

Divvy accomplishes this by purchasing homes outright and allowing customers to pay the company back through monthly installments — 25% of the total goes toward building equity and 75% goes toward paying "rent."

See the rest of the story at Business Insider

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Virginia officials upped security for a pro-gun rally in Richmond after receiving 'credible threats of violence'

Posted: 20 Jan 2020 07:55 AM PST

Armed militia members stand guard outside a no-gun zone at a rally by gun rights advocates and militia members near Virginia's Capitol, in Richmond, VirginiaREUTERS/Jonathan Drake

  • The FBI and local law enforcement agencies in Virginia are working together to prevent "threats of violence" issued ahead of a pro-gun rally in Richmond on Monday. 
  • Thousands of gun-rights activists descended on Richmond for a "Lobby Day Rally" to voice support for the Second Amendment. 
  • Members of militia groups and white supremacists also descended on the city for the rally. 
  • Virginia Governor Ralph Northam announced a state of a state of emergency on Wednesday. 
  • The FBI, Virginia State Police, Virginia Capitol Police, and the Richmond Police have increased security in the area ahead of the rally. 
  • Visit Insider's homepage for more stories.

The FBI and local law enforcement agencies in Virginia are working together regarding "threats of violence" ahead of a pro-gun rally being held in Richmond on Monday.

Thousands of gun-rights activists, members of militia groups, and white supremacists, were expected to descend on Richmond for the the "Lobby Day Rally," which coincides with a date that celebrates the legacy of civil rights advocate Martin Luther King, Jr.

See the rest of the story at Business Insider

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12 inspiring quotes from Martin Luther King Jr.

Posted: 20 Jan 2020 07:49 AM PST

MLK quote slideshow 2x1Yutong Yuan/Business Insider

  • Civil rights leader Martin Luther King Jr. was just 39 years old when he was assassinated 52 years ago, on April 4, 1968.
  • The values he stood for — acceptance, equality, non-violent protest — have echoed throughout the five decades since.
  • His speeches were bold, triumphant, and touched with King's tireless need to revise. As the perfectionist spoke, millions listened.
  • In honor of Martin Luther King Jr. Day, here are some of the most inspiring words the activist spoke during his short life.

On education:

Yutong Yuan/Business Insider

"The function of education is to teach one to think intensively and to think critically. Intelligence plus character  – that is the goal of true education."

On standing up for what's right:

Yutong Yuan/Business Insider

"The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy."

On community:

Yutong Yuan/Business Insider

"Whatever affects one directly, affects all indirectly. I can never be what I ought to be until you are what you ought to be. This is the interrelated structure of reality."

See the rest of the story at Business Insider

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DON'T MISS: 21 of Michelle Obama's most inspiring quotes on work, success, and relationships

SEE ALSO: 13 of Maya Angelou's greatest quotes on life, success, and change

Beyoncé's diehard fans are lashing out at a grocery-store chain after it compared the new Ivy Park collection to its store uniform

Posted: 20 Jan 2020 07:30 AM PST

BeyonceInstagram, @beyonce

  • Beyoncé's fans are lashing out against a UK supermarket chain after it acknowledged jokes about her new Ivy Park x Adidas collection looking similar to its employees' uniforms. 
  • Beyoncé unveiled the new collection in an interview with Elle in December. Almost instantly, the internet was flooded with memes comparing it to Sainsbury's signature orange-and-maroon uniform. 
  • But her fans weren't happy about Sainsbury's jumping in on the joke and have since shared screenshots of bad reviews for the store and images of its stock price as revenge. 
  • Visit Business Insider's homepage for more stories.

Some of Beyoncé's most loyal fans are taking punches at a British grocery-store chain after it acknowledged the similarity between its own store uniforms and her new Ivy Park collection.  

UK-grocery chain Sainsbury's posted an image of its workers' signature orange-and-maroon uniform on Twitter on Tuesday with the caption "Repping since 1869," along with a winking face emoji. The tweet was posted a day before Beyoncé's new collection launched online but several weeks after the internet mocked one of her outfits from the new collection after it was unveiled in an interview with Elle.

See the rest of the story at Business Insider

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SEE ALSO: BeyoncĂ© fans are slamming her new Ivy Park x Adidas streetwear collection over its lack of plus sizes

In 9 US states, a divorce could mean losing half of everything you own

Posted: 20 Jan 2020 07:30 AM PST

single momMaskot/Getty

Estimates of divorce rates in America vary, but the reality is many marriages reach this unfortunate conclusion, and the aftermath is frequently messy, both emotionally and financially.

When a couple joins as one, their assets typically combine to form a marital estate, and anything they acquire thereafter becomes joint property. Upon divorce, those assets — including real estate, dependent children, income, cars, furniture, investments, and retirement accounts — get divided between the former spouses.

See the rest of the story at Business Insider

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Moody's downgrades Hong Kong's rating, citing the government's 'slow' response to protests

Posted: 20 Jan 2020 07:28 AM PST

hong kong protestAnthony Kwan/Getty Images

  • Moody's cut Hong Kong's credit rating from Aa2 to Aa3, citing the city's lack of "effective response" to nine months of protests against China. 
  • The move by Moody's follows an earlier downgrade from Fitch ratings in September last year.
  • However, the ratings agency changed the outlook from negative to stable.
  • Hong Kong has been embroiled in protests since June of last year, hurting the economy. 

Moody's downgraded Hong Kong's credit rating after it cited the absence of an "effective response" from the Hong Kong government to the ongoing protests.

The rating was slashed from Aa2 to Aa3, Moody's said in a statement on Monday. 

See the rest of the story at Business Insider

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