#Embedded Finance Market

[rohitpalan]

Embedded Finance Market Set for Robust Growth: Projected to Reach USD 291.3 Billion by 2033 with a 16.5% CAGR

It is projected that the embedded finance industry would grow at a robust 16.5% compound annual growth rate (CAGR) from 2023 to 2033. The market is anticipated to be valued at US$ 63.2 billion in 2023 and to have a market share of US$ 291.3 billion by 2033.

Read more @https://www.fmiblog.com/2024/09/26/embedded-finance-market-set-for-robust-growth-projected-to-reach-291-3-billion-by-2033-with-a-16-5-cagr/

The technical advantages along with the expanding financial services including banking and non-banking options are flourishing the market growth. Furthermore, the rapid automation and adoption of smart platforms of different spaces for high productivity and efficiency are propelling growth.

Financial giants are partnering with technological platforms for innovative solutions. For example, Mastercard and Fabrick have signed a partnership to boost embedded finance. New services like buy now pay later (BNPL) and credit reporting are good examples of embedded finance.

The expanding sales and extended chains of banks and financial companies are expected to adopt these new systems in to improve the services offered. Alongside this, the increased convenience, quick transaction, and highly accessible interface is making embedded finance systems future-ready.

The growing sales of financial services have also increased the importance of data. Thus, the embedded finance systems also deliver a relevant collection of data while adding inclusion and convenience to the end user’s plate.

The other benefits include the generation of additional revenue streams while increasing the product’s stickiness, and enhanced customer experience.

Key Takeaways:

The United States market leads the embedded finance market in terms of market share in North America. The United States region held a market share of 22.3% in 2023. The growth in this region is attributed to expanding financial firms, and the government’s adoption of the latest technologies. North American region held a significant market share of 32.5% in 2022.

Germany’s market is another successful market in the Europe region. The market holds a market share of 12.3% in 2022. The growth is attributed to the presence of new embedded finance platforms such as Plaid, and Alviere Hive. Europe region held a market share of 25.4% in 2022

India embedded finance market booms at a CAGR of 19.5% during the forecast period. The market’s growth is attributed to the new banking policies, enlarged non-banking policies, and high penetration of non-banking platforms.

China’s market also thrives at a CAGR of 17.7% between 2023 and 2033. The growth is caused by the banking reforms and increased focus on consumer inclusivity.

Based on type, the embedded banking segment held a leading market share of 32.1% in 2022.

Based on end-user type, the investment banks and investments company segment perform well as it held a leading market share of 27.2% in 2022.

Competitive Landscape:

The key vendors focus on adding value to the embedded finance systems and easy deployment procedures. Moreover, key competitors also merge, acquire, and partner with other companies to increase their supply chain and distribution channel.

Major Players in this Market:

Bankable

Banxware

Cross River

Resolve

Parafin

TreviPay

Balance

Stripe

Recent Market Developments:

Finix has introduced embedded payments and the vertical SaaS conundrum. The addition of embedded payments is increasing revenue, reducing the payment strike, and easy customer engagement.

Flywire embedded experience is using smart technologies to secure payments without leaving the website.

Key Segments Covered are:

By Type:

Embedded Banking

Embedded Insurance

Embedded Investments

Embedded Lending

Embedded Payment

By End User:

Loans Associations

Investment Banks & Investment Companies

Brokerage Firms

Insurance Companies

Mortgage Companies

By Key Regions:

North America

Latin America

Europe

Japan

Asia Pacific Excluding Japan

The Middle East and Africa

[paynxt360fintech]

Google and Amazon stand to gain from Meta’s social commerce exit

Ever since the pandemic outbreak, the e-commerce industry landscape has undergone a major revamp, with social commerce emerging as the next growth driver for the global market. Players such as Meta, Google, and Amazon all made a major push in the segment to tap into the high-growth potential of the social commerce industry. According to PayNXT360 estimates, the global social commerce market is expected to grow at a compound annual growth rate of 12.7% from 2022 to 2028. The global social commerce GMV will increase from US$661 billion in 2023 to reach US$1.3 trillion by 2028.

[azlrse]

➳ the headwardens as fathers (twst x gn!reader headcanons; separate)

cw: 'a decade later' au, fluff, accurate/canon take on the houswardens' background, angst in some parts (mostly on vil and idia's part)

a/n: decided to post this just to practice the characters as accurate as possible. also, imma be writing some of the housewardens for the first time soo i hope it's good lol

Riddle Rosehearts 🌹

due to his upbringing, riddle can be strict towards his children, whether it's from their grades and their studies alone since he believes that one's studies are very important to a child's future.

but not all the time riddle is like this. as a father, he only wants what is best to his children and refuses to treat them the way their grandmother does to him in his childhood. he even encourages them to take a certain career his kid wants. do you want to be a musician? he can buy his kid an instrument they've always wanted. not a musician but instead a baker? he can tell their uncle trey to give them private lessons to be the best baker in the queendom of roses.

there are certain times the two of you are arguing over a punishment. riddle knew rosabella punched a kid (he had flashbacks when her godfather punched him) stole her tart and decided that his kid will be grounded for a week. you, on the other hand, rebutted that she only did it out of self-defense and that's the last tart she had. this goes on back and forth, even for an hour, and her punishment reduced to 2 days minimum. rosabella didn't like that but at least it's better than to stare at books for a week straight.

riddle is the type of father to teach his children magic early on. not because it's enforced by his mother but because he just wants them to use magic in case of emergencies and for them to have an advantage to their education. he encourages them so much that he offers them sweets and strawberry tarts if they make it through their lesson.

overall, riddle's just protective over his children and knows what's best for them but at the same time is strict towards them.

Leona Kingscholar 🦁

leona didn't expect to have his own children, especially to the prefect of ramshackle dorm who's grown into a sophisticated and loving adult.

he's the type of father to teach his children the concept of fairness. he doesn't want them to have the same upbringing as he had in his childhood and growing up to have an inferiority complex. leona also embedded to them that one's hardwork can signify what kind of a person are they, especially that they're royalty.

when it comes to his children, he's deep down a girl dad but nonetheless loves his children equally. leona loves spending time with his kids, especially when taking walks around sunset savanna or taking them to ivory springs.

his parenting style can be permissive sometimes but thanks to your constant nagging, he steps in to reprimand them on what's wrong and right. sadly, he doesn't mind when his daughter & son can be demanding sometimes but is behaving very well when it comes to you (thanks to the 'stare' you enforced into them in their childhood).

like riddle, leona also helped his children in terms of their education, he might pull a string or two in order for them to attend a really good school. after all, they don't want the crown prince of sunset savanna and a father to be disappointed, right??

Azul Ashengrotto 🐙

hands down, the type of parent who wants his children to pursue the field of finance and marketing. no buts or ifs, he really wants them to pursue such career so that they can take over the business someday when he and their uncles are retiring.

there could be a possibility that his children are half-merfolk since you are human. hence, you and azul wanted to teach your kids both cultures, whether it's on land or water. he can be self-conscious and scared towards his children on the possibility that they inherited his octopus form. what if they didn't like the said form? what if they're being teased because of their body shape? what if they despised it so much that they wished their own father was a merman instead of an cephalopod? you reassured him that the both of you will teach them the importance of self-image and self-love.

speaking of their seaforms, azul is the type of father who will cry when his kid swam on their own for the first time (equivalent to a toddler taking their first steps). it doesn't matter if they're a late bloomer when it comes to their seaform, azul is still proud on the progress his children obtain.

every birthdays & anniversaries or any special occasions are held within the beach. imagine his parents swam on the surface of the ocean just to see their grandchildren. they would gush about how cute their grandchildren were, especially when they're still a little chubby baby.

heavily encourages his kids to fight back just in case they're being bullied by their peers. he's the kind of dad to call them in his office, not to scold them but praising on how they beat up that kid in a pulp (thanks to their uncle floyd ig--)

Kalim Al Asim 💛

husband material + loves children = THE BEST FAMILY MAN OUT OF ALL THE HOUSEWARDENS AND HUSBAND MATERIAL # 1.

probably the type of dad who loves spoiling his children rotten and sometimes gives into their demands but at the same time likes to teach his children the concept of hard work. after all, not all the time everything is handed to them on a silver platter (albeit to their father being raised on a silver spoon).

undoubtedly wants more than 5 children, whether they're biological or not (but will not push through if you are uncomfortable with the idea). this guy is raised having 30+ siblings so it's understandable why he wants that many children and having a huge family.

as usual by kalim, every achievement earned by his children, in academics, extracurriculars or birthdays, holds a grand & extravagant celebration. won the regional spelling bee? a celebration must take place! oh, you hold second place on a swimming completion? here's a parade to celebrate such occasion! a birthday party? that's too plain, how about a 3 day celebration for the birthday kid?

low-key his children would let out an 'aww' when they saw their father kissing you :'33

like leona, kalim would take on a bit on a permissive parenting style since he would give into the demands of his children and saying no makes it difficult for him to say in front of them. thanks to your talks and reprimanding him, he learned to say no directly into them and chose to cool down their tantrums before talking to them again.

Vil Shoenheit 💎

idk how to write vil accurately soo im really sorry if this one sucks and comes across as out of character ;_;;

out of all the housewardens, i believe that vil can be really strict when it comes to his children's appearances but also cares sm for their well-being and is fiercely protective of them. he believes that his children are the splitting of him and his lover (you ofc) plus he's a celebrity and a model so that adds to the fuel on why his children's appearances are really important.

most of his children confided on you on how suffocated they felt due to their father's demands and high standards when it comes to beauty. how they cried, begged and asked you if you still loved them even if they're covered in scars, acne or having oily skin. you reassured them that you and their father loved them so much, much to the children's happiness in hopes that they're father can be less controlling.

of course, you talk about this to your husband regarding this issue and vil can understand the children's point of view. he doesn't want them to be bullied, to be teased or being compared to him since they're the children of the biggest celebrity in the industry. he also promises that he'll talk to the children and apologizes for making them miserable.

on the fluffier side, vil loves spending time with the kids. going shopping or having photography sessions are some of the examples and heavily adores them when his children are being made to be endorsers/models on a children's brand of clothing. when his daughter asked him for tips when it comes to make up, vil didn't hesitate to teach her the basics (also buys her the make up brands she really wanted).

teaches his children the importance of fighting prejudice towards gender norms. vil is the type of father to accept that kind of future his children chose for themselves and does not give a shit when it comes to people's opinions on them; his son wants to wear make up? sure why not, he also wears one during his time as a student in nrc. his daughter wanted to crossdress? why not? it's just clothes and at least she's not waking around naked.

Idia Shroud 💠

to those who voted on the poll and answered idia, ya'll deserve a pat cause he won 😭🙌

as much as i love idia shroud, idia is the houswarden that's least likely to become a father due to his trauma and fucked up family dynamic but what if he does become a father with the only person that he loves and is comfortable to be with?

hands down a helicopter parent fr, like this guy suffered so much that he didn't want his own children to go through the same fate he had in his childhood. man even prohibits his kids to go out w/o telling him first but also values his children's privacy in terms of their gadgets and other private stuff.

when his kids were born, he knew straight up that the kids inherited his flaming blue hair due to his cursed bloodline (and prays that his kids won't hate him for it) but loves it when he saw their (e/c) eyes for the first time (at least his kids looked like the combination of the two of you). aside from that, ortho's excited to become an uncle and wants to be the cool kind of uncle to his brother's children.

as always, when his children were a bit older, he wanted to teach them the basics of coding and video game development. being the children of the director of styx and a professional gamer, he expects his kid to be as good as he is in these kinds of field. if his kids wanted to pursue a different path as he is or a different hobby, he doesn't mind at all but is disappointed to say the least.

due to the shroud curse, at least one of the children has to take over styx when they're now at age sadly. as a father, he really wants them to pursue a future without revolving around in his family's business but they couldn't avoid it.

doesn't care how much his children spent on things due to an immense wealth his family holds. don't be surprised his children's rooms were covered in merch of their favorite video game or fandom. he heavily supports his children having the same passion as he is as a geek.

Malleus Draconia 🐉

HUSBAND MATERIAL #2 FRFRRR

if future malleus told past malleus that he became a father and the husband of the ramshackle dorm's prefect, it's either he'll pass out from happiness or becomes excited so much that he wants to confess his feelings in front of you.

a big family man, aside from his heavy duty as the crowned king of briar valley, he always set aside some time to spend with you and his children on the rose garden by the greenhouse of the castle. he also doesn't care what are the other fae's think about his own half-human faelets, he still loved that the kids are the creation of both of your love to each other.

speaking of the other faes, he will hear a thing or two about children of their ages making fun about their half-human characteristics like having rounded ears instead of pointed ones like their own father. like vil shoenheit, he is fiercely protective about his children and would confront the kid's parents if the bullying had gone too far but he's a really forgiving father don't worry.

adding to the previous statement, his heart would break a bit when he knew either one of his children are either being excluded (preventing them from playing a game with the other kids or isn't invited to a birthday party).

the type of father who let's them sleep in the middle of the both of you when one of them had a nightmare. he can sense it when his children are in dire need of his assistance and wants to sleep beside the both of you for comfort.

really loves it when he sees his children playing on the throne room. he loves the noise they emitted comparing to the quiet and eerie noise the throne room before they were born. one of the playdates you and malleus joined with your children is about a roleplay involving a knight trapped in a tower while a dragon saved them and fell on love with each other. i would imagine them kissing in the final scene as the children gagged from the public display of affection.

Do not republish, edit, or repost to other websites.

Reblogs and likes are appreciated! 💕

[esotericimagesforredpilledpeople]

In the late 1990s, Enron, the infamous energy giant, and MCI, the telecom titan, were secretly collaborating on a clandestine project codenamed "Chronos Ledger." The official narrative tells us Enron collapsed in 2001 due to accounting fraud, and MCI (then part of WorldCom) imploded in 2002 over similar financial shenanigans. But what if these collapses were a smokescreen? What if Enron and MCI were actually sacrificial pawns in a grand experiment to birth Bitcoin—a decentralized currency designed to destabilize global finance and usher in a new world order?

Here’s the story: Enron wasn’t just manipulating energy markets; it was funding a secret think tank of rogue mathematicians, cryptographers, and futurists embedded within MCI’s sprawling telecom infrastructure. Their goal? To create a digital currency that could operate beyond the reach of governments and banks. Enron’s off-the-books partnerships—like the ones that tanked its stock—were actually shell companies funneling billions into this project. MCI, with its vast network of fiber-optic cables and data centers, provided the technological backbone, secretly testing encrypted "proto-blockchain" transactions disguised as routine telecom data.

But why the dramatic collapses? Because the project was compromised. In 2001, a whistleblower—let’s call them "Satoshi Prime"—threatened to expose Chronos Ledger to the SEC. To protect the bigger plan, Enron and MCI’s leadership staged their own downfall, using cooked books as a convenient distraction. The core team went underground, taking with them the blueprints for what would later become Bitcoin.

Fast forward to 2008. The financial crisis hits, and a mysterious figure, Satoshi Nakamoto, releases the Bitcoin whitepaper. Coincidence? Hardly. Satoshi wasn’t one person but a collective—a cabal of former Enron execs, MCI engineers, and shadowy venture capitalists who’d been biding their time. The 2008 crash was their trigger: a chaotic moment to introduce Bitcoin as a "savior" currency, free from the corrupt systems they’d once propped up. The blockchain’s decentralized nature? A direct descendant of MCI’s encrypted data networks. Bitcoin’s energy-intensive mining? A twisted homage to Enron’s energy market manipulations.

But here’s where it gets truly wild: Chronos Ledger wasn’t just about money—it was about time. Enron and MCI had stumbled onto a fringe theory during their collaboration: that a sufficiently complex ledger, powered by quantum computing (secretly prototyped in MCI labs), could "timestamp" events across dimensions, effectively predicting—or even altering—future outcomes. Bitcoin’s blockchain was the public-facing piece of this puzzle, a distraction to keep the masses busy while the real tech evolved in secret. The halving cycles? A countdown to when the full system activates.

Today, the descendants of this conspiracy—hidden in plain sight among crypto whales and Silicon Valley elites—are quietly amassing Bitcoin not for profit, but to control the final activation of Chronos Ledger. When Bitcoin’s last block is mined (projected for 2140), they believe it’ll unlock a temporal feedback loop, resetting the global economy to 1999—pre-Enron collapse—giving them infinite do-overs to perfect their dominion. The Enron and MCI scandals? Just the first dominoes in a game of chance and power.

[yoursoulvisions]

hii, can u please tell me a lil about pluto in 2nd house sagittarius, i have heard pluto in 2nd house relationship with money is a bit challenging any thoughts??? tyy btw

Pluto in Sagittarius in the 2nd House

This placement of Pluto indicates that the sphere of money and personal values will not be static for you. A tremendous potential for deep changes is embedded here, and as a result, the attainment of true strength and stability. However, this path may not be easy, being associated with intense experiences and tests of resilience. Pluto in Sagittarius is connected with the striving aimed at expanding horizons and achieving financial freedom that will allow you to travel, study, explore the world, and finance projects corresponding to your high ideals and beliefs. With harmonious aspects to other planets, this can indeed indicate the possibility of significant earnings. Instead of being broken by financial difficulties, you are capable of using them as a catalyst for personal growth and rethinking your attitude towards money and values. Crises can lead to a deep understanding that true value is not solely material. Perhaps you possess insight and are able to see hidden opportunities where others do not notice them. This can manifest in the ability to invest profitably, find unconventional sources of income, or work successfully in areas requiring deep analysis and transformation, such as finance, investments, and taxation. The energy of Sagittarius can direct this talent towards international markets, education, publishing, or large, possibly risky, but potentially very profitable projects. Under the influence of Pluto in Sagittarius, your value system is constantly developing and transforming. You may discard outdated beliefs about wealth and success, seeking a deeper meaning and using your resources to achieve high goals, spread knowledge, or help others. Travel and acquaintance with other cultures can significantly influence your understanding of values. But despite all the potential, you may have a deep, subconscious fear of being without money. This fear can manifest in cyclical behavior: a strong desire to accumulate, and then quickly spend what has been saved, possibly on things that symbolize freedom or expansion (travel, education), sometimes without proper planning. There is a tendency to excessively link your self-worth as a person to the level of material wealth or the ability to finance a certain lifestyle associated with Sagittarius themes (travel, status items, education). This can lead to a desire to «squeeze into an expensive suit» to feel significant, or to a feeling of insecurity during financial difficulties. It is important to realize that your true worth is not measured by money. The desire to completely control your material resources can become an obsession, causing increased anxiety and stress if something does not go according to plan. This can manifest as distrust of others in financial matters. I can advise you to develop your insight and use it for competent financial management, but avoid excessive risk and adventurism. Direct your powerful energy towards creating a solid financial foundation that will provide you with true freedom and the opportunity to realize your high aspirations. Be open to change, learn from your mistakes, and strive for a balance between the material and the spiritual🤍

[mostlysignssomeportents]

A link-clump demands a linkdump

Cometh the weekend, cometh the linkdump. My daily-ish newsletter includes a section called "Hey look at this," with three short links per day, but sometimes those links get backed up and I need to clean house. Here's the eight previous installments:

https://pluralistic.net/tag/linkdump/

The country code top level domain (ccTLD) for the Caribbean island nation of Anguilla is .ai, and that's turned into millions of dollars worth of royalties as "entrepreneurs" scramble to sprinkle some buzzword-compliant AI stuff on their businesses in the most superficial way possible:

https://arstechnica.com/information-technology/2023/08/ai-fever-turns-anguillas-ai-domain-into-a-digital-gold-mine/

All told, .ai domain royalties will account for about ten percent of the country's GDP.

It's actually kind of nice to see Anguilla finding some internet money at long last. Back in the 1990s, when I was a freelance web developer, I got hired to work on the investor website for a publicly traded internet casino based in Anguilla that was a scammy disaster in every conceivable way. The company had been conceived of by people who inherited a modestly successful chain of print-shops and decided to diversify by buying a dormant penny mining stock and relaunching it as an online casino.

But of course, online casinos were illegal nearly everywhere. Not in Anguilla – or at least, that's what the founders told us – which is why they located their servers there, despite the lack of broadband or, indeed, reliable electricity at their data-center. At a certain point, the whole thing started to whiff of a stock swindle, a pump-and-dump where they'd sell off shares in that ex-mining stock to people who knew even less about the internet than they did and skedaddle. I got out, and lost track of them, and a search for their names and business today turns up nothing so I assume that it flamed out before it could ruin any retail investors' lives.

Anguilla is a British Overseas Territory, one of those former British colonies that was drained and then given "independence" by paternalistic imperial administrators half a world away. The country's main industries are tourism and "finance" – which is to say, it's a pearl in the globe-spanning necklace of tax- and corporate-crime-havens the UK established around the world so its most vicious criminals – the hereditary aristocracy – can continue to use Britain's roads and exploit its educated workforce without paying any taxes.

This is the "finance curse," and there are tiny, struggling nations all around the world that live under it. Nick Shaxson dubbed them "Treasure Islands" in his outstanding book of the same name:

https://us.macmillan.com/books/9780230341722/treasureislands

I can't imagine that the AI bubble will last forever – anything that can't go on forever eventually stops – and when it does, those .ai domain royalties will dry up. But until then, I salute Anguilla, which has at last found the internet riches that I played a small part in bringing to it in the previous century.

The AI bubble is indeed overdue for a popping, but while the market remains gripped by irrational exuberance, there's lots of weird stuff happening around the edges. Take Inject My PDF, which embeds repeating blocks of invisible text into your resume:

https://kai-greshake.de/posts/inject-my-pdf/

The text is tuned to make resume-sorting Large Language Models identify you as the ideal candidate for the job. It'll even trick the summarizer function into spitting out text that does not appear in any human-readable form on your CV.

Embedding weird stuff into resumes is a hacker tradition. I first encountered it at the Chaos Communications Congress in 2012, when Ang Cui used it as an example in his stellar "Print Me If You Dare" talk:

https://www.youtube.com/watch?v=njVv7J2azY8

Cui figured out that one way to update the software of a printer was to embed an invisible Postscript instruction in a document that basically said, "everything after this is a firmware update." Then he came up with 100 lines of perl that he hid in documents with names like cv.pdf that would flash the printer when they ran, causing it to probe your LAN for vulnerable PCs and take them over, opening a reverse-shell to his command-and-control server in the cloud. Compromised printers would then refuse to apply future updates from their owners, but would pretend to install them and even update their version numbers to give verisimilitude to the ruse. The only way to exorcise these haunted printers was to send 'em to the landfill. Good times!

Printers are still a dumpster fire, and it's not solely about the intrinsic difficulty of computer security. After all, printer manufacturers have devoted enormous resources to hardening their products against their owners, making it progressively harder to use third-party ink. They're super perverse about it, too – they send "security updates" to your printer that update the printer's security against you – run these updates and your printer downgrades itself by refusing to use the ink you chose for it:

https://www.eff.org/deeplinks/2020/11/ink-stained-wretches-battle-soul-digital-freedom-taking-place-inside-your-printer

It's a reminder that what a monopolist thinks of as "security" isn't what you think of as security. Oftentimes, their security is antithetical to your security. That was the case with Web Environment Integrity, a plan by Google to make your phone rat you out to advertisers' servers, revealing any adblocking modifications you might have installed so that ad-serving companies could refuse to talk to you:

https://pluralistic.net/2023/08/02/self-incrimination/#wei-bai-bai

WEI is now dead, thanks to a lot of hueing and crying by people like us:

https://www.theregister.com/2023/11/02/google_abandons_web_environment_integrity/

But the dream of securing Google against its own users lives on. Youtube has embarked on an aggressive campaign of refusing to show videos to people running ad-blockers, triggering an arms-race of ad-blocker-blockers and ad-blocker-blocker-blockers:

https://www.scientificamerican.com/article/where-will-the-ad-versus-ad-blocker-arms-race-end/

The folks behind Ublock Origin are racing to keep up with Google's engineers' countermeasures, and there's a single-serving website called "Is uBlock Origin updated to the last Anti-Adblocker YouTube script?" that will give you a realtime, one-word status update:

https://drhyperion451.github.io/does-uBO-bypass-yt/

One in four web users has an ad-blocker, a stat that Doc Searls pithily summarizes as "the biggest boycott in world history":

https://doc.searls.com/2015/09/28/beyond-ad-blocking-the-biggest-boycott-in-human-history/

Zero app users have ad-blockers. That's not because ad-blocking an app is harder than ad-blocking the web – it's because reverse-engineering an app triggers liability under IP laws like Section 1201 of the Digital Millenium Copyright Act, which can put you away for 5 years for a first offense. That's what I mean when I say that "IP is anything that lets a company control its customers, critics or competitors:

https://locusmag.com/2020/09/cory-doctorow-ip/

I predicted that apps would open up all kinds of opportunities for abusive, monopolistic conduct back in 2010, and I'm experiencing a mix of sadness and smugness (I assume there's a German word for this emotion) at being so thoroughly vindicated by history:

https://memex.craphound.com/2010/04/01/why-i-wont-buy-an-ipad-and-think-you-shouldnt-either/

The more control a company can exert over its customers, the worse it will be tempted to treat them. These systems of control shift the balance of power within companies, making it harder for internal factions that defend product quality and customer interests to win against the enshittifiers:

https://pluralistic.net/2023/07/28/microincentives-and-enshittification/

The result has been a Great Enshittening, with platforms of all description shifting value from their customers and users to their shareholders, making everything palpably worse. The only bright side is that this has created the political will to do something about it, sparking a wave of bold, muscular antitrust action all over the world.

The Google antitrust case is certainly the most important corporate lawsuit of the century (so far), but Judge Amit Mehta's deference to Google's demands for secrecy has kept the case out of the headlines. I mean, Sam Bankman-Fried is a psychopathic thief, but even so, his trial does not deserve its vastly greater prominence, though, if you haven't heard yet, he's been convicted and will face decades in prison after he exhausts his appeals:

https://newsletter.mollywhite.net/p/sam-bankman-fried-guilty-on-all-charges

The secrecy around Google's trial has relaxed somewhat, and the trickle of revelations emerging from the cracks in the courthouse are fascinating. For the first time, we're able to get a concrete sense of which queries are the most lucrative for Google:

https://www.theverge.com/2023/11/1/23941766/google-antitrust-trial-search-queries-ad-money

The list comes from 2018, but it's still wild. As David Pierce writes in The Verge, the top twenty includes three iPhone-related terms, five insurance queries, and the rest are overshadowed by searches for customer service info for monopolistic services like Xfinity, Uber and Hulu.

All-in-all, we're living through a hell of a moment for piercing the corporate veil. Maybe it's the problem of maintaining secrecy within large companies, or maybe the the rampant mistreatment of even senior executives has led to more leaks and whistleblowing. Either way, we all owe a debt of gratitude to the anonymous leaker who revealed the unbelievable pettiness of former HBO president of programming Casey Bloys, who ordered his underlings to create an army of sock-puppet Twitter accounts to harass TV and movie critics who panned HBO's shows:

https://www.rollingstone.com/tv-movies/tv-movie-features/hbo-casey-bloys-secret-twitter-trolls-tv-critics-leaked-texts-lawsuit-the-idol-1234867722/

These trolling attempts were pathetic, even by the standards of thick-fingered corporate execs. Like, accusing critics who panned the shitty-ass Perry Mason reboot of disrespecting veterans because the fictional Mason's back-story had him storming the beach on D-Day.

The pushback against corporate bullying is everywhere, and of course, the vanguard is the labor movement. Did you hear that the UAW won their strike against the auto-makers, scoring raises for all workers based on the increases in the companies' CEO pay? The UAW isn't done, either! Their incredible new leader, Shawn Fain, has called for a general strike in 2028:

https://www.404media.co/uaw-calls-on-workers-to-line-up-massive-general-strike-for-2028-to-defeat-billionaire-class/

The massive victory for unionized auto-workers has thrown a spotlight on the terrible working conditions and pay for workers at Tesla, a criminal company that has no compunctions about violating labor law to prevent its workers from exercising their legal rights. Over in Sweden, union workers are teaching Tesla a lesson. After the company tried its illegal union-busting playbook on Tesla service centers, the unionized dock-workers issued an ultimatum: respect your workers or face a blockade at Sweden's ports that would block any Tesla from being unloaded into the EU's fifth largest Tesla market:

https://www.wired.com/story/tesla-sweden-strike/

Of course, the real solution to Teslas – and every other kind of car – is to redesign our cities for public transit, walking and cycling, making cars the exception for deliveries, accessibility and other necessities. Transitioning to EVs will make a big dent in the climate emergency, but it won't make our streets any safer – and they keep getting deadlier.

Last summer, my dear old pal Ted Kulczycky got in touch with me to tell me that Talking Heads were going to be all present in public for the first time since the band's breakup, as part of the debut of the newly remastered print of Stop Making Sense, the greatest concert movie of all time. Even better, the show would be in Toronto, my hometown, where Ted and I went to high-school together, at TIFF.

Ted is the only person I know who is more obsessed with Talking Heads than I am, and he started working on tickets for the show while I starting pricing plane tickets. And then, the unthinkable happened: Ted's wife, Serah, got in touch to say that Ted had been run over by a car while getting off of a streetcar, that he was severely injured, and would require multiple surgeries.

But this was Ted, so of course he was still planning to see the show. And he did, getting a day-pass from the hospital and showing up looking like someone from a Kids In The Hall sketch who'd been made up to look like someone who'd been run over by a car:

https://www.flickr.com/photos/doctorow/53182440282/

In his Globe and Mail article about Ted's experience, Brad Wheeler describes how the whole hospital rallied around Ted to make it possible for him to get to the movie:

https://www.theglobeandmail.com/arts/music/article-how-a-talking-heads-superfan-found-healing-with-the-concert-film-stop/

He also mentions that Ted is working on a book and podcast about Stop Making Sense. I visited Ted in the hospital the day after the gig and we talked about the book and it sounds amazing. Also? The movie was incredible. See it in Imax.

That heartwarming tale of healing through big suits is a pretty good place to wrap up this linkdump, but I want to call your attention to just one more thing before I go: Robin Sloan's Snarkmarket piece about blogging and "stock and flow":

https://snarkmarket.com/2010/4890/

Sloan makes the excellent case that for writers, having a "flow" of short, quick posts builds the audience for a "stock" of longer, more synthetic pieces like books. This has certainly been my experience, but I think it's only part of the story – there are good, non-mercenary reasons for writers to do a lot of "flow." As I wrote in my 2021 essay, "The Memex Method," turning your commonplace book into a database – AKA "blogging" – makes you write better notes to yourself because you know others will see them:

https://pluralistic.net/2021/05/09/the-memex-method/

This, in turn, creates a supersaturated, subconscious solution of fragments that are just waiting to nucleate and crystallize into full-blown novels and nonfiction books and other "stock." That's how I came out of lockdown with nine new books. The next one is The Lost Cause, a hopepunk science fiction novel about the climate whose early fans include Naomi Klein, Rebecca Solnit, Bill McKibben and Kim Stanley Robinson. It's out on November 14:

https://us.macmillan.com/books/9781250865939/the-lost-cause

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/11/05/variegated/#nein

[ptitolier]

When the Market Sanctions Ideology: Tesla's Collapse and the Political Drift of Billionaires

Source: El Manifesto, February 6, 2025 edition, article by Annaflavia Merluzzi.

According to an investigation published in El Manifesto, Tesla sales are plummeting across Europe, with dramatic declines in Germany (-59%), France (-63%), and Norway (-38%). While these figures reflect a broader slowdown in the electric vehicle market, they also reveal a political dynamic: the growing rejection of Elon Musk and his ideological alignment with the far right.

This collapse is not merely an economic sanction—it raises a larger question: can capitalism exist independently of democracy, or will democracy ultimately reassert control?

Reactionary Capital: When the Market Sanctions Ideology

Tesla’s downfall in Germany and across Europe is more than just an economic issue. It highlights a broader phenomenon: the rejection of a capitalism that no longer limits itself to production but seeks to impose a political vision on the world.

Traditionally, the far right has been hostile to both environmentalism and technological progress. At first glance, this makes it a paradoxical ally for a billionaire leading an electric vehicle company. However, Elon Musk’s financial backing of Alice Weidel and the German far-right party AfD reveals another dimension of this alliance: a rejection of ecological transition when framed within a democratic and social context.

A Capitalism That No Longer Hides

Musk embodies a shift in contemporary capitalism: wealth is no longer just about accumulation—it is now a tool for financing reactionary political movements that oppose environmental regulations, social rights, and inclusive policies.

This trend reflects a broader phenomenon in which certain billionaires, rather than remaining neutral market players, become direct political actors. Their strategy aligns with an old fantasy of elite secession: controlling a captive market, securing an electorate aligned with their vision, and developing technologies that ensure their total autonomy from the rest of society.

The Market as a Battleground

But this project faces a fundamental paradox: if billionaires attempt to shape politics, consumers, in turn, can politicize their consumption. The European boycott of Tesla illustrates how the market itself can become an ideological battlefield. Consumers, far from being passive economic participants, are expressing a rejection of a corporate model where ideology takes precedence over innovation.

The philosopher Karl Polanyi identified this tension in the 20th century: the free market only functions as long as society accepts it. When a company oversteps its role and becomes a tool of ideological domination, it risks being rejected by society. The market, far from being an autonomous entity, is always embedded within a moral and political framework.

A New Form of Resistance?

The Tesla case reminds us that in a world where billionaires seek to shape public policy while bypassing democratic processes, citizens can respond economically. When voting appears ineffective against the influence of wealth in politics, boycotting becomes a powerful tool of resistance.

We may be witnessing the emergence of an inverted ethical capitalism: one not dictated by corporate promises of sustainability, but by consumers sanctioning ideological deviations among the ultra-wealthy. If this trend continues, it could redefine the relationship between capitalism and democracy—reminding us that economics cannot be detached from the values it claims to serve.

Also worth reading: Check out my series "Democracy VS Capitalism" on Medium, where I explore the tensions between economic power and democratic institutions:

Coming in mid-February: A three-part series on climate denial fake news, scientific manipulation, collective paralysis, and the secession of the wealthy. Why are some billionaires sabotaging climate action while preparing their escape? Stay tuned.

P'tit Tôlier

Essayist & Popularizer. I analyze the world through accessible philosophical essays. Complex ideas, explained simply—to help us think about our times.

[acceptcryptopayments]

The Future of USDT Payments and Stablecoin in Global Commerce

In a global financial ecosystem where speed, transparency, and accessibility are becoming non-negotiables, stablecoins—particularly Tether (USDT)—have carved out a powerful niche. Once seen merely as trading instruments on crypto exchanges, stablecoins are now evolving into vital tools for cross-border commerce, payroll, lending, and global remittances. But what does the future of USDT payments hold in the context of expanding digital economies? This in-depth guide explores the emerging role of USDT and stablecoins in global commerce, including current trends, technological shifts, regulatory evolution, and their potential to disrupt legacy finance. The Future of USDT Payments and Stablecoin in Global Commerce Why USDT Has Become the Stablecoin of Choice Market Dominance and Liquidity As of 2025, USDT remains the most widely used and liquid stablecoin in the world, with over $90 billion in circulation. Its integration into thousands of platforms—ranging from centralized exchanges and DeFi protocols to merchant payment systems—gives it an unmatched level of acceptance and interoperability. Blockchain Interoperability USDT operates on multiple blockchains, including Ethereum (ERC-20), Tron (TRC-20), Binance Smart Chain (BEP-20), Solana (SPL), and Polygon. This cross-chain deployment enables businesses to select the protocol that best balances speed, cost, and network activity. For example: - TRC-20 USDT is popular in Asia due to low fees. - ERC-20 USDT is favored in institutional DeFi platforms. For a step-by-step breakdown on how to integrate USDT payments into your online store or digital platform, check out our in-depth guide on the best USDT payment gateway for business at XAIGATE. USDT in Real-World Payments: Current Use Cases International Payroll Companies hiring remote workers now use USDT to pay salaries globally in a matter of seconds, avoiding high bank fees and currency conversion losses. B2B Cross-Border Trade Manufacturers and wholesalers in emerging markets use USDT to settle international invoices, eliminating the delays and costs of SWIFT or traditional remittance services. Merchant Adoption Retailers in crypto-friendly jurisdictions are increasingly accepting USDT via gateways like XAIGATE. It offers customers a fast, private, and irreversible payment option without currency volatility. Technological Trends Shaping the Future of USDT Payments Layer-2 Scaling and Gas Efficiency As congestion and fees on mainnets like Ethereum persist, the rise of Layer-2 networks—such as Arbitrum, zkSync, and Optimism—presents a promising future for USDT microtransactions. Gas fees drop from dollars to cents, enabling everyday retail and online purchases. Integration With Web3 Wallets and dApps USDT is being integrated into decentralized apps and Web3 wallets like MetaMask, Phantom, and Trust Wallet, enabling users to pay or receive funds across borders without intermediaries. AI and Smart Routing in Stablecoin Payments Emerging smart contract-based payment systems can automatically route USDT across chains and protocols for the lowest fees and fastest confirmations, optimizing both B2B and retail usage. Technological Trends Shaping the Future of USDT Payments Future Projections: What Will the Next 5 Years Look Like? Widespread Retail Adoption We’re likely to see more POS systems and eCommerce platforms natively support USDT, especially in crypto-forward countries. QR code payments and one-click checkout via stablecoin wallets could rival traditional credit cards. Embedded Finance and API-Based Payment Flows As XAIGATE and other platforms improve API flexibility, businesses can build USDT payments directly into their apps, games, and services—without needing custodial gateways. Real-Time Global Settlement With blockchain interoperability, future USDT payment systems will support atomic swaps and real-time settlements between fiat and crypto. This could revolutionize supply chains, freelance platforms, and gig economies. Challenges to Address in the Future of USDT Payments Centralization and Reserve Transparency Despite Tether’s regular attestations, concerns persist over the composition and liquidity of reserves backing USDT. Increasing regulatory pressure will likely push for more frequent and detailed disclosures. On/Off Ramp Friction The success of USDT in commerce depends on efficient fiat on/off ramps. While platforms like MoonPay and Binance Pay are filling the gap, local regulations and KYC requirements still pose barriers in many countries. Volatility of Stablecoin Pegs While USDT is pegged to the USD, black swan events or market manipulations can threaten stability. Future implementations may involve algorithmic safeguards or dynamic collateralization to enhance resilience. To stay ahead in the evolving world of crypto commerce, businesses should explore robust solutions like XAIGATE. Learn how to streamline your stablecoin integration with our expert insights on the future-proof USDT gateway for global businesses:🔗 https://www.xaigate.com/usdt-payment-gateway-for-business/ Institutional Integration Will Accelerate the Future of USDT Payments Financial Giants Are Embracing Stablecoin Infrastructure Traditional finance players—including Visa, Mastercard, and major regional banks—are increasingly exploring blockchain-based payments. In this shift, USDT stands out due to its deep liquidity and global reach. Financial service providers in Asia, Europe, and Latin America are testing cross-border settlements using USDT, bypassing the SWIFT system. This momentum signals that the future of USDT payments is not just driven by crypto-native startups, but also by global institutions that recognize its potential for efficiency, transparency, and accessibility. Corporate Adoption for Treasury and Payroll Large corporations are beginning to hold USDT in their treasury reserves to hedge against fiat currency instability in emerging markets. Additionally, USDT is being used for real-time international payroll in industries such as freelance tech, BPO services, and logistics—where bank transfers are costly and slow. These use cases are critical in shaping the future of USDT payments for operational finance. Compliance-Ready Stablecoin Payments: A New Era for Global Businesses Web3 Identity Layers and zk-KYC Protocols One of the most critical enablers of mainstream USDT adoption is the emergence of on-chain compliance tools. Web3-native identity solutions—like decentralized identifiers (DIDs), verifiable credentials, and zero-knowledge KYC—allow payment processors to meet local regulations without exposing sensitive customer data. As these tools integrate with crypto payment gateways like XAIGATE, businesses can comply with regulatory requirements while preserving the privacy of their users, expanding the future of USDT payments into regulated sectors such as healthcare, education, and insurance. Tiered Risk and Regulatory Models Instead of a one-size-fits-all KYC process, the next generation of USDT payment systems will offer tiered access levels: P2P payments under a certain threshold may remain KYC-optional, while enterprise-level transactions can trigger automated compliance protocols. This model not only aligns with global regulatory trends but also preserves accessibility—a crucial factor in the future of USDT payments for borderless commerce. Conclusion: From Trading Tool to Global Payment Standard The trajectory of USDT is transitioning from speculative asset to utilitarian digital dollar. As global commerce grows increasingly borderless, USDT’s stability, speed, and availability give it a unique advantage over both fiat and crypto rivals. With innovations in scalability, regulation, and user experience on the horizon, the future of USDT payments looks more like a core pillar of the new digital economy than a temporary crypto trend. Businesses that integrate USDT payments today are not only improving efficiency—they are future-proofing for a financial system in transformation. FAQs – Future of USDT Payments Q1: Is USDT legal to use in global payments?Yes, in many jurisdictions. However, legality depends on local financial regulations and whether stablecoins are recognized under digital asset laws. Q2: How does USDT avoid volatility compared to Bitcoin or Ethereum?USDT is pegged to the US Dollar and backed by reserves, maintaining a near 1:1 price ratio with minimal fluctuation. Q3: Can I use USDT for recurring payments?Yes. Some platforms offer programmable USDT-based subscriptions using smart contracts or API-based invoicing systems. Q4: Which industries benefit most from USDT payments?E-commerce, remote work platforms, SaaS, logistics, and cross-border trade benefit greatly due to instant global transfer and low fees. Q5: How do I integrate USDT payments on my website?You can use gateways like XAIGATE to integrate no-login, low-fee USDT payment plugins into your eCommerce or business website. FAQs – Future of USDT Payments We may also be found on GitHub, and X (@mxaigate)! Follow us! Don’t miss out on the opportunity to elevate your business with XAIGATE’s Future of USDT Payments and Stablecoin. The three-step process is designed to be user-friendly, making it accessible for all businesess. Embrace this modern payment solution to provide customers with a secure and efficient way to pay. Take the first step towards a competitive edge in the digital realm and unlock the benefits of cryptocurrency payments for online casino today. Read the full article

[visionaryvogues03]

John C. May: Steering John Deere into a Future of Smart Industrial Leadership

In the world of smart manufacturing and industrial innovation, few names resonate with the same weight as John C. May, Chairman and CEO of John Deere. With nearly three decades of experience in one of the most iconic American companies, May exemplifies a rare combination of visionary leadership, operational excellence, and a relentless commitment to digital transformation.

John Deere’s reputation as a global leader in agricultural and construction machinery is well known. But under the stewardship of John C. May, the brand has been infused with fresh energy, transitioning from a traditional equipment manufacturer into a dynamic technology enterprise rooted in smart industrial solutions. For CEOs, startup founders, and MNC managers looking to understand the future of the industrial sector, May’s journey offers profound lessons in business strategy, resilience, and innovation.

Early Days and Rise Through the Ranks

John C. May joined Deere & Company in 1997. With a background in finance and systems operations, he brought an analytical rigor that quickly earned him key leadership positions. Over the years, May held multiple roles across different segments of the company, from managing global platforms in Asia and Latin America to spearheading the integration of digital solutions into core machinery.

By the time he was named CEO in 2019, May had already left a considerable mark on the company’s modernization roadmap. He was instrumental in building John Deere’s precision agriculture ecosystem, which has since become a defining feature of the company’s product offerings and value proposition.

Visionary Leadership in the Digital Age

[Source - Forbes]

May’s leadership philosophy is rooted in a simple yet powerful premise: if John Deere is to remain relevant, it must lead, not follow, in the era of smart manufacturing. One of his first initiatives as CEO was to scale the company’s digital backbone, integrating artificial intelligence, cloud computing, and telematics into everyday operations.

He championed the idea that John Deere equipment should no longer be seen as just hardware, but as smart machines embedded within a larger data ecosystem. This repositioning has transformed how the company develops, markets, and supports its equipment worldwide.

Navigating Crisis with Strategic Clarity

Every great business leader is tested by adversity, and May’s tenure coincided with unprecedented global disruptions. From the COVID-19 pandemic to supply chain bottlenecks and geopolitical tensions, May has had to navigate rough waters. Yet, his strategic clarity and calm demeanor allowed John Deere not only to survive but thrive.

During the height of the pandemic, John Deere accelerated its remote diagnostics services, contactless equipment delivery, and virtual training systems. Under May’s direction, the company kept its factories running while prioritizing employee safety, resulting in minimal operational downtime and sustained revenue performance.

Building a Culture of Innovation

While many leaders talk about innovation, John C. May institutionalized it. He restructured internal teams to align around digital-first priorities and pushed for faster go-to-market cycles. He championed cross-functional collaboration, ensuring that R&D, engineering, and business development worked as a unified force.

Under May’s guidance, John Deere has significantly expanded its investment in emerging technologies. From acquiring cutting-edge AI firms like Blue River Technology to partnering with robotics startups, the company is actively shaping the next frontier of industrial equipment.

Emphasis on Customer-Centricity

[Source - Deere & Company - John Deere]

A core component of May’s success has been his emphasis on putting the customer at the center of every decision. Recognizing that farmers, contractors, and forestry operators are under increasing pressure to produce more with fewer resources, May ensured that John Deere’s innovations address real-world pain points.

With digital platforms like the John Deere Operations Center, customers can now visualize their entire fleet, monitor crop performance, and receive data-driven insights to boost productivity. These tools go beyond utility; they form the core of a new kind of customer relationship built on intelligence and empowerment.

Commitment to Sustainability

In an era where ESG (Environmental, Social, and Governance) metrics matter more than ever, John C. May has positioned John Deere as a responsible and forward-looking enterprise. The company has committed to reducing greenhouse gas emissions, improving fuel efficiency, and supporting sustainable land use practices.

Deere’s electric and hybrid equipment initiatives, coupled with its support for regenerative agriculture, underscore a broader shift toward sustainable smart manufacturing. May has repeatedly stated that profitability and environmental responsibility are not mutually exclusive; they are deeply interconnected.

Strategic Global Expansion

May’s global outlook has also played a crucial role in John Deere’s success story. By strengthening the company’s footprint in emerging markets and adapting products for local needs, Deere has grown its international revenue base.

From Asia-Pacific to Latin America, the company’s smart manufacturing equipment is now used across a wide range of environmental and economic contexts. This globalization is both a growth strategy and a diversification buffer, allowing John Deere to hedge against regional slowdowns while capturing new demand.

Talent Development and Inclusive Leadership

A key part of May’s legacy is his belief in nurturing talent. He has invested in leadership development, diversity and inclusion, and STEM education pipelines. Under his leadership, John Deere has improved employee engagement scores and earned recognition as a top employer in the smart manufacturing sector.

This focus on people is central to enabling smart manufacturing at scale. As automation and AI redefine industrial roles, May’s emphasis on workforce retraining ensures that the human side of the equation is not neglected.

Financial Performance and Market Trust

Under May’s leadership, John Deere has delivered robust financial performance. The company’s revenue crossed $60 billion in 2023, with consistent year-over-year growth driven by strong demand for its smart manufacturing equipment solutions. 

At a time when industrial firms face margin compression and capital volatility, May’s approach to operational efficiency and tech-driven differentiation offers a compelling blueprint for sustainable growth.

Looking Ahead: The Future of Smart Manufacturing Industry

[Source - RCR Wireless News]

John C. May is not just managing John Deere, he’s actively reshaping the future of the industrial sector. As technologies like IoT, machine learning, and blockchain converge, May is preparing John Deere to lead in the next wave of industrial innovation.

The company’s investment in autonomy, connectivity, and real-time analytics reflects a deep commitment to staying ahead of the curve. With pilot projects in smart factories, cloud-integrated supply chains, and next-gen data platforms, John Deere is fast becoming a benchmark for industrial transformation.

This next chapter will undoubtedly be anchored in smart manufacturing, a concept that has become synonymous with John C. May’s leadership philosophy.

Conclusion

John C. May’s rise to the helm of John Deere is not just a success story, it is a blueprint for 21st-century leadership. His ability to blend tradition with transformation, strategy with empathy, and innovation with operational excellence sets him apart as one of the most influential business leaders of our time.

For startup founders, CEOs, and corporate leaders seeking inspiration, May’s journey offers a masterclass in aligning purpose with performance. Through his visionary embrace of smart manufacturing, John C. May has not only secured John Deere’s future, but he has elevated the entire industrial landscape.

Uncover the latest trends and insights with our articles on Visionary Vogues

[ariparri]

Peregrine Pearce - The Puppeteer

The Hogwarts Mystery Cardverse is an AU that takes place in a fantasy land called Cinderhaven. There are five regions, four of them representing a suit of cards; Spades, Clubs, Hearts, Diamonds. The final region representing the Jokers.

Cardverse Masterlist

We finally introduce Peregrine in the AU! He will be known as Peregrine Pearce because we gotta give him a last name. He’s also not related to the McQuaids so his connection with them is strictly through Veruca where he helps her come to terms with everything going on in the country. Also thanks to @carewyncromwell for helping me figure out Peregrine's character!

Note: Sorry there hasn’t been much content for Cardverse or just HP in general. After dealing with someone, and I now no longer associate with them, I lost the motivation to work on any HP related content for a while. I’ll still be making HP content but it won’t be as much as my other fandom stuff. Also sorry there’s no illustration for this man, but I currently got other wips I really need to finish 😖

Peregrine Pearce is a master of duality, seamlessly blending charm and darkness in his role for the Cardverse AU. At first glance, he presents himself as a profound connoisseur, relishing in the intricate style of the trade market and its instruments. With an air of sophistication and class, he holds himself in high regard, showcasing a talent that extends beyond the financial realm.

Having served in the war and enduring the loss of his closest companions, Peregrine Pearce shares a resonance with Rakepick regarding the injustices embedded within the Spades system. His past includes a stint in the military, a chapter he left behind, disillusioned by the pain it wrought. The harsh reality of his experiences, coupled with societal judgment on his poverty and lack of formal education, fueled his departure and entrance into the trades market.

Peregrine embodies the archetype of a puppet master, adept at manipulating emotions and situations to his advantage, yet not devoid of empathy. His emotional detachment, cultivated to shield himself from past mistakes and betrayals, aligns with his pragmatic approach to navigating the complexities of power. The tragedy of his manipulative tendencies manifests in the loss of his friend, a casualty of Peregrine's pursuit of personal glory. Rather than confront the role his actions played, he deflects blame onto the military and the system, reinforcing his emotional distance and manipulation tactics.

As a master of the trade market, Peregrine relishes in the complexities of commerce and finance, wielding his knowledge like a weapon to gain influence and power. He is a connoisseur of strategy, always several steps ahead of his adversaries, and unafraid to play both sides of the board to achieve his goals.

Beneath this polished exterior, however, lies a complex and cunning individual. Peregrine is a dark-minded manipulator who takes pleasure in playing with the lives of others. Peregrine's vanity is evident in his calculated manipulation of others, using flattery and charm to mask his true intentions and bend them to his will. Yet, despite his smarmy demeanor, there is a hint of playfulness in his interactions, a subtle wit that shines through even in the darkest of moments.

His alliances, transient and transactional, serve as shields against vulnerability, enabling him to sever ties when necessary. His allegiance shifts from aiding Rakepick to assisting the rebels, exploiting the chaos for his gain while protecting his involvement. He is a man who thrives in the shadows, pulling strings from behind the scenes to shape the destiny of nations and individuals alike. But beneath the layers of deception lies a man with a heart, however tarnished it may be, and a lingering sense of morality that occasionally peeks through the cracks in his carefully constructed facade. In absolving himself of responsibility for his manipulations, Peregrine perpetuates a cycle of self-preservation and exploitation, masking his own culpability.

Operating in the shadows, he orchestrated a series of recent events that transpired in the Country of Spades to achieve his hidden agenda. His involvement in helping Duncan Ashe persuade Coby McQuaid to run for a pivotal role in the country showcases his strategic mind, setting off a chain reaction that disrupts the country's stability. Peregrine's role as the architect behind the shutdown of the railroad system and the closure of borders, basically ‘throwing out ideas’ for Rakepick to take, highlights his willingness to plunge the region into chaos for his own gain. Manipulating circumstances, Peregrine reveals his prowess as a puppet master capable of influencing key figures which have also led to Rakepick’s downfall.

Despite his darker inclinations, Peregrine displays a unique sympathy toward Veruca and the rebels, particularly in light of the fate of her brother. As a result, his assistance to her, both during and after the war, paints him as a confidant and ally, even as suspicions linger among others. Mostly as he covertly orchestrates numerous schemes against both sides of the civil war.

[rohitpalan]

Embedded Finance Market Surges with a 16.5% CAGR, Set to Reach US$ 291.3 Billion by 2033

It is projected that the embedded finance industry would grow at a robust 16.5% compound annual growth rate (CAGR) from 2023 to 2033. The market is anticipated to be valued at US$ 63.2 billion in 2023 and to have a market share of US$ 291.3 billion by 2033.

The technical advantages along with the expanding financial services including banking and non-banking options are flourishing the market growth. Furthermore, the rapid automation and adoption of smart platforms of different spaces for high productivity and efficiency are propelling growth.

Financial giants are partnering with technological platforms for innovative solutions. For example, Mastercard and Fabrick have signed a partnership to boost embedded finance. New services like buy now pay later (BNPL) and credit reporting are good examples of embedded finance.

The expanding sales and extended chains of banks and financial companies are expected to adopt these new systems in to improve the services offered. Alongside this, the increased convenience, quick transaction, and highly accessible interface is making embedded finance systems future-ready.

The growing sales of financial services have also increased the importance of data. Thus, the embedded finance systems also deliver a relevant collection of data while adding inclusion and convenience to the end user’s plate.

The other benefits include the generation of additional revenue streams while increasing the product’s stickiness, and enhanced customer experience.

Get an overview of the market from industry experts to evaluate and develop growth strategies. Get your sample report here  https://www.futuremarketinsights.com/reports/sample/rep-gb-14548

Key Takeaways:

The United States market leads the embedded finance market in terms of market share in North America. The United States region held a market share of 22.3% in 2023. The growth in this region is attributed to expanding financial firms, and the government’s adoption of the latest technologies. North American region held a significant market share of 32.5% in 2022.

Germany’s market is another successful market in the Europe region. The market holds a market share of 12.3% in 2022. The growth is attributed to the presence of new embedded finance platforms such as Plaid, and Alviere Hive. Europe region held a market share of 25.4% in 2022

India embedded finance market booms at a CAGR of 19.5% during the forecast period. The market’s growth is attributed to the new banking policies, enlarged non-banking policies, and high penetration of non-banking platforms.

China’s market also thrives at a CAGR of 17.7% between 2023 and 2033. The growth is caused by the banking reforms and increased focus on consumer inclusivity.

Based on type, the embedded banking segment held a leading market share of 32.1% in 2022.

Based on end-user type, the investment banks and investments company segment perform well as it held a leading market share of 27.2% in 2022.

Competitive Landscape:

The key vendors focus on adding value to the embedded finance systems and easy deployment procedures. Moreover, key competitors also merge, acquire, and partner with other companies to increase their supply chain and distribution channel.

Major Players in this Market:

Bankable

Banxware

Cross River

Resolve

Parafin

TreviPay

Balance

Stripe

Speak to Our Research Expert  https://www.futuremarketinsights.com/ask-question/rep-gb-14548

Recent Market Developments:

Finix has introduced embedded payments and the vertical SaaS conundrum. The addition of embedded payments is increasing revenue, reducing the payment strike, and easy customer engagement.

Flywire embedded experience is using smart technologies to secure payments without leaving the website.

Key Segments Covered are:

By Type:

Embedded Banking

Embedded Insurance

Embedded Investments

Embedded Lending

Embedded Payment

By End User:

Loans Associations

Investment Banks & Investment Companies

Brokerage Firms

Insurance Companies

Mortgage Companies

By Key Regions:

North America

Latin America

Europe

Japan

Asia Pacific Excluding Japan

The Middle East and Africa

[paynxt360fintech]

The global gift card market continues to grow at an accelerated pace on the back of digital gift card offerings in 2023

Digitalization, tech-savvy population, and increasing trend of strategic alliances is driving the growth of the global gift card market in 2023. The growth rate is significantly higher in markets like the United States. According to a report from PayNXT360, the United States gift card market is expected to grow at a compound annual growth rate (CAGR) of 5.7% from 2023 to 2027. Based on the estimates, the industry will increase from US$185.4 billion in 2022 to reach US$247.9 billion by 2027.

[dailyanarchistposts]

Topics: health care, monopoly

In a recent article for Tikkun, Dr. Arnold Relman argued that the versions of health care reform currently proposed by “progressives” all primarily involve financing health care and expanding coverage to the uninsured rather than addressing the way current models of service delivery make it so expensive. Editing out all the pro forma tut-tutting of “private markets,” the substance that’s left is considerable:

What are those inflationary forces? . . . [M]ost important among them are the incentives in the payment and organization of medical care that cause physicians, hospitals and other medical care facilities to focus at least as much on income and profit as on meeting the needs of patients. . . . The incentives in such a system reward and stimulate the delivery of more services. That is why medical expenditures in the U.S. are so much higher than in any other country, and are rising more rapidly. . . . Physicians, who supply the services, control most of the decisions to use medical resources. . . . The economic incentives in the medical market are attracting the great majority of physicians into specialty practice, and these incentives, combined with the continued introduction of new and more expensive technology, are a major factor in causing inflation of medical expenditures. Physicians and ambulatory care and diagnostic facilities are largely paid on a piecework basis for each item of service provided.

As a health care worker, I have personally witnessed this kind of mutual log-rolling between specialists and the never-ending addition of tests to the bill without any explanation to the patient. The patient simply lies in bed and watches an endless parade of unknown doctors poking their heads in the door for a microsecond, along with an endless series of lab techs drawing body fluids for one test after another that’s “been ordered,” with no further explanation. The post-discharge avalanche of bills includes duns from two or three dozen doctors, most of whom the patient couldn’t pick out of a police lineup. It’s the same kind of quid pro quo that takes place in academia, with professors assigning each other’s (extremely expensive and copyrighted) texts and systematically citing each other’s works in order to game their stats in the Social Sciences Citation Index. (I was also a grad assistant once.) You might also consider Dilbert creator Scott Adams’s account of what happens when you pay programmers for the number of bugs they fix.

One solution to this particular problem is to have a one-to-one relationship between the patient and a general practitioner on retainer. That’s how the old “lodge practice” worked. (See David Beito’s “Lodge Doctors and the Poor,” The Freeman, May 1994).

But that’s illegal, you know. In New York City, John Muney recently introduced an updated version of lodge practice: the AMG Medical Group, which for a monthly premium of $79 and a flat office fee of $10 per visit provides a wide range of services (limited to what its own practitioners can perform in-house). But because AMG is a fixed-rate plan and doesn’t charge more for “unplanned procedures,” the New York Department of Insurance considers it an unlicensed insurance policy. Muney may agree, unwillingly, to a settlement arranged by his lawyer in which he charges more for unplanned procedures like treatment for a sudden ear infection. So the State is forcing a modern-day lodge practitioner to charge more, thereby keeping the medical and insurance cartels happy—all in the name of “protecting the public.” How’s that for irony?

Regarding expensive machinery, I wonder how much of the cost is embedded rent on patents or regulatorily mandated overhead. I’ll bet if you removed all the legal barriers that prevent a bunch of open-source hardware hackers from reverse-engineering a homebrew version of it, you could get an MRI machine with a twentyfold reduction in cost. I know that’s the case in an area I’m more familiar with: micromanufacturing technology. For example, the RepRap—a homebrew, open-source 3-D printer—costs roughly $500 in materials to make, compared to tens of thousands for proprietary commercial versions.

More generally, the system is racked by artificial scarcity, as editor Sheldon Richman observed in an interview a few months back. For example, licensing systems limit the number of practitioners and arbitrarily impose levels of educational overhead beyond the requirements of the procedures actually being performed.

Libertarians sometimes—and rightly—use “grocery insurance” as an analogy to explain medical price inflation: If there were such a thing as grocery insurance, with low deductibles, to provide third-party payments at the checkout register, people would be buying a lot more rib-eye and porterhouse steaks and a lot less hamburger.

The problem is we’ve got a regulatory system that outlaws hamburger and compels you to buy porterhouse if you’re going to buy anything at all. It’s a multiple-tier finance system with one tier of service. Dental hygienists can’t set up independent teeth-cleaning practices in most states, and nurse-practitioners are required to operate under a physician’s “supervision” (when he’s out golfing). No matter how simple and straightforward the procedure, you can’t hire someone who’s adequately trained just to perform the service you need; you’ve got to pay amortization on a full med school education and residency.

Drug patents have the same effect, increasing the cost per pill by up to 2,000 percent. They also have a perverse effect on drug development, diverting R&D money primarily into developing “me, too” drugs that tweak the formulas of drugs whose patents are about to expire just enough to allow repatenting. Drug-company propaganda about high R&D costs, as a justification for patents to recoup capital outlays, is highly misleading. A major part of the basic research for identifying therapeutic pathways is done in small biotech startups, or at taxpayer expense in university laboratories, and then bought up by big drug companies. The main expense of the drug companies is the FDA-imposed testing regimen—and most of that is not to test the version actually marketed, but to secure patent lockdown on other possible variants of the marketed version. In other words, gaming the patent system grossly inflates R&D spending.

The prescription medicine system, along with state licensing of pharmacists and Drug Enforcement Administration licensing of pharmacies, is another severe restraint on competition. At the local natural-foods cooperative I can buy foods in bulk, at a generic commodity price; even organic flour, sugar, and other items are usually cheaper than the name-brand conventional equivalent at the supermarket. Such food cooperatives have their origins in the food-buying clubs of the 1970s, which applied the principle of bulk purchasing. The pharmaceutical licensing system obviously prohibits such bulk purchasing (unless you can get a licensed pharmacist to cooperate).

I work with a nurse from a farming background who frequently buys veterinary-grade drugs to treat her family for common illnesses without paying either Big Pharma’s markup or the price of an office visit. Veterinary supply catalogs are also quite popular in the homesteading and survivalist movements, as I understand. Two years ago I had a bad case of poison ivy and made an expensive office visit to get a prescription for prednisone. The next year the poison ivy came back; I’d been weeding the same area on the edge of my garden and had exactly the same symptoms as before. But the doctor’s office refused to give me a new prescription without my first coming in for an office visit, at full price—for my own safety, of course. So I ordered prednisone from a foreign online pharmacy and got enough of the drug for half a dozen bouts of poison ivy—all for less money than that office visit would have cost me.

Of course people who resort to these kinds of measures are putting themselves at serious risk of harassment from law enforcement. But until 1914, as Sheldon Richman pointed out (“The Right to Self-Treatment,” Freedom Daily, January 1995), “adult citizens could enter a pharmacy and buy any drug they wished, from headache powders to opium.”

The main impetus to creating the licensing systems on which artificial scarcity depends came from the medical profession early in the twentieth century. As described by Richman:

Accreditation of medical schools regulated how many doctors would graduate each year. Licensing similarly metered the number of practitioners and prohibited competitors, such as nurses and paramedics, from performing services they were perfectly capable of performing. Finally, prescription laws guaranteed that people would have to see a doctor to obtain medicines they had previously been able to get on their own.

The medical licensing cartels were also the primary force behind the move to shut down lodge practice, mentioned above.

In the case of all these forms of artificial scarcity, the government creates a “honey pot” by making some forms of practice artificially lucrative. It’s only natural, under those circumstances, that health care business models gravitate to where the money is.

Health care is a classic example of what Ivan Illich, in Tools for Conviviality, called a “radical monopoly.” State-sponsored crowding out makes other, cheaper (but often more appropriate) forms of treatment less usable, and renders cheaper (but adequate) treatments artificially scarce. Artificially centralized, high-tech, and skill-intensive ways of doing things make it harder for ordinary people to translate their skills and knowledge into use-value. The State’s regulations put an artificial floor beneath overhead cost, so that there’s a markup of several hundred percent to do anything; decent, comfortable poverty becomes impossible.

A good analogy is subsidies to freeways and urban sprawl, which make our feet less usable and raise living expenses by enforcing artificial dependence on cars. Local building codes primarily reflect the influence of building contractors, so competition from low-cost unconventional techniques (T-slot and other modular designs, vernacular materials like bales and papercrete, and so on) is artificially locked out of the market. Charles Johnson described the way governments erect barriers to people meeting their own needs and make comfortable subsistence artificially costly, in the specific case of homelessness, in “Scratching By: How the Government Creates Poverty as We Know It” (The Freeman, December 2007).

The major proposals for health care “reform” that went before Congress would do little or nothing to address the institutional sources of high cost. As Jesse Walker argued at Reason.com, a 100 percent single-payer system, far from being a “radical” solution,

would still accept the institutional premises of the present medical system. Consider the typical American health care transaction. On one side of the exchange you’ll have one of an artificially limited number of providers, many of them concentrated in those enormous, faceless institutions called hospitals. On the other side, making the purchase, is not a patient but one of those enormous, faceless institutions called insurers. The insurers, some of which are actual arms of the government and some of which merely owe their customers to the government’s tax incentives and shape their coverage to fit the government’s mandates, are expected to pay all or a share of even routine medical expenses. The result is higher costs, less competition, less transparency, and, in general, a system where the consumer gets about as much autonomy and respect as the stethoscope. Radical reform would restore power to the patient. Instead, the issue on the table is whether the behemoths we answer to will be purely public or public-private partnerships. [“Obama is No Radical,” September 30, 2009]

I’m a strong advocate of cooperative models of health care finance, like the Ithaca Health Alliance (created by the same people, including Paul Glover, who created the Ithaca Hours local currency system), or the friendly societies and mutuals of the nineteenth century described by writers like Pyotr Kropotkin and E. P. Thompson. But far more important than reforming finance is reforming the way delivery of service is organized.

Consider the libertarian alternatives that might exist. A neighborhood cooperative clinic might keep a doctor of family medicine or a nurse practitioner on retainer, along the lines of the lodge-practice system. The doctor might have his med school debt and his malpractice premiums assumed by the clinic in return for accepting a reasonable upper middle-class salary.

As an alternative to arbitrarily inflated educational mandates, on the other hand, there might be many competing tiers of professional training depending on the patient’s needs and ability to pay. There might be a free-market equivalent of the Chinese “barefoot doctors.” Such practitioners might attend school for a year and learn enough to identify and treat common infectious diseases, simple traumas, and so on. For example, the “barefoot doctor” at the neighborhood cooperative clinic might listen to your chest, do a sputum culture, and give you a round of Zithro for your pneumonia; he might stitch up a laceration or set a simple fracture. His training would include recognizing cases that were clearly beyond his competence and calling in a doctor for backup when necessary. He might provide most services at the cooperative clinic, with several clinics keeping a common M.D. on retainer for more serious cases. He would be certified by a professional association or guild of his choice, chosen from among competing guilds based on its market reputation for enforcing high standards. (That’s how competing kosher certification bodies work today, without any government-defined standards). Such voluntary licensing bodies, unlike state licensing boards, would face competition—and hence, unlike state boards, would have a strong market incentive to police their memberships in order to maintain a reputation for quality.

The clinic would use generic medicines (of course, since that’s all that would exist in a free market). Since local juries or arbitration bodies would likely take a much more common-sense view of the standards for reasonable care, there would be far less pressure for expensive CYA testing and far lower malpractice premiums.

Basic care could be financed by monthly membership dues, with additional catastrophic-care insurance (cheap and with a high deductible) available to those who wanted it. The monthly dues might be as cheap as or even cheaper than Dr. Muney’s. It would be a no-frills, bare-bones system, true enough—but to the 40 million or so people who are currently uninsured, it would be a pretty damned good deal.

[mastergarryblogs]

Near Field Communication 101: The Tiny Tech Creating Billion-Dollar Opportunities

Executive Overview of the Near Field Communication Market's Strategic Expansion

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Surge of Near Field Communication Market in the Contactless Economy

NFC's Ubiquity in Smart Payments and Digital Wallets

As consumers globally gravitate toward frictionless transactions, NFC-based mobile wallets have surged in prominence. Market leaders like Apple Pay, Google Pay, and Samsung Pay are deeply integrated into everyday retail experiences, particularly in Asia-Pacific and Europe, where smartphone penetration has crossed 85%. The proliferation of NFC-enabled POS terminals is redefining digital retail, banking, and hospitality operations.

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Strategic Role in IoT and Smart Infrastructure

IoT Integration and Industrial Automation

Near field communication market is a critical pillar in enabling machine-to-machine communication within smart homes, industrial automation, and logistics tracking. In logistics, NFC tags and readers allow for real-time shipment monitoring, quality control, and authentication, helping companies reduce counterfeit risk and operational inefficiencies.

In smart cities, NFC supports transit systems, municipal identification, and public facility access. The synergy between NFC and IoT allows cities to harness real-time data to optimize infrastructure usage and improve civic services.

Sectoral Penetration: Industry-by-Industry Analysis

Healthcare Transformation via Secure NFC Connectivity

From electronic health records (EHRs) to asset tracking and patient authentication, NFC is embedded into modern healthcare ecosystems. Medical devices equipped with NFC enable real-time monitoring, remote diagnostics, and medication adherence tracking, improving both patient outcomes and operational workflows. Key players such as Abbott and Philips are actively deploying NFC for secure device pairing and data transmission.

Automotive Innovations and Digital Key Integration

Modern vehicles are now equipped with NFC-powered digital keys, offering drivers seamless access and ignition through smartphones or wearable devices. Automotive OEMs like BMW and Hyundai are leading the deployment of digital car keys using standardized NFC protocols, ensuring universal compatibility and secure encryption.

Competitive Landscape: Pioneers and Strategic Collaborations

Leading Innovators Driving NFC Adoption

NXP Semiconductors continues to dominate chip manufacturing with the launch of high-security NFC modules tailored for FinTech and e-government applications.

Sony and Qualcomm are deeply invested in NFC chipsets for next-gen consumer electronics.

Visa and Mastercard are expanding wearable NFC payment ecosystems, fostering innovation in the lifestyle tech sector.

Strategic alliances between hardware vendors, platform developers, and telecom operators are accelerating global NFC adoption. For instance, partnerships between fintech startups and NFC platform providers are creating scalable, API-friendly digital payment ecosystems in Southeast Asia and Africa.

NFC Security Architecture: High Trust in Short-Range Protocols

Unlike other wireless standards, NFC’s inherently short operational range (typically <4 cm) creates a security advantage. Layered encryption, tokenization, and secure element technology further enhance transaction safety. As global regulations around data privacy tighten (e.g., GDPR, CCPA), NFC's architecture positions it as a preferred technology for compliance-ready secure communication.

Innovation Outlook: Emerging Tech Synergies

AI, Blockchain, and Machine Learning

The convergence of NFC with AI and blockchain technologies is laying the groundwork for intelligent, traceable, and self-learning systems. For example:

AI-powered NFC apps offer hyper-personalized promotions in retail.

Blockchain-integrated NFC enables secure and immutable transaction logs in supply chains, enhancing trust and traceability.

ML models trained on NFC-enabled behavioral data are revolutionizing predictive analytics in marketing and operations.

Regional Growth Trajectories: Global Demand Matrix

Asia-Pacific: The NFC Powerhouse

With rapid urbanization and government-led cashless initiatives, countries like China, South Korea, India, and Singapore are setting the pace for NFC adoption. Government programs such as India's “Digital India” and Korea’s “Smart City” initiative are significant catalysts.

Europe and North America: Consolidated Maturity and Advanced Use-Cases

In these mature markets, NFC growth is being driven by innovation in wearables, healthcare devices, and automotive sectors. NFC-enabled biometric passports and citizen IDs are now standard across many EU countries.

Latin America, Middle East & Africa: Untapped Potential

Financial inclusion initiatives and mobile-first economies offer fertile ground for NFC expansion. In Africa, mobile banking systems like M-Pesa are integrating NFC to bring advanced financial services to unbanked populations.

Near Field Communication Market Segmentation Analysis

Near Field Communication Market By Offering:

Hardware: NFC-enabled smartphones, POS systems, wearable devices.

Platform: Enterprise-grade SDKs, middleware, secure element OS.

Near Field Communication Market By Product Type:

NFC Tags & Labels

NFC Readers

NFC Chips

Embedded Devices

Near Field Communication Market By Application:

Mobile Payments

Healthcare Device Pairing

Access Control Systems

Consumer Electronics Pairing

Smart Transportation & Ticketing

Near Field Communication Market By End-User:

Retail & E-commerce

BFSI

Healthcare

IT & Telecom

Automotive

Public Sector & Defense

Future Forecast and Near Field Communication Market Trajectory

By 2032, the Near Field Communication Market is projected to achieve a CAGR of 14.2%, propelled by:

Accelerated deployment of 5G networks facilitating NFC-cloud synergies

Growth of smart appliances and NFC-enabled consumer devices

Rise in contactless and biometric-authenticated transactions

Standardization of NFC protocols across devices and platforms

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[clariontechnologies9]

Clarion Technologies: Driving Data Modernization with Python & Power BI

With today's data-oriented world, companies are always searching for means to update their data platforms to create a competitive advantage. By bringing together the capability of Python with the visualization ability of Power BI, companies are able to make raw data mean something and become the driving force behind decision-making. This blog will discuss how this power couple enables business owners to tap the full potential of data through Python in Data Modernization and Data Modernization Power BI strategies.

The Role of Python in Data Modernization Python has emerged as a favorite among data analytics and processing because of its flexibility and rich libraries. Here's how Python in Data Modernization assists companies in handling and utilizing their data:

Data Cleaning and Preparation: Python libraries such as Pandas and NumPy facilitate easy cleaning, structuring, and manipulation of large datasets to provide high-quality inputs for analysis.

Advanced Analytics and Machine Learning: With Scikit-learn, TensorFlow, and PyTorch, Python facilitates predictive modeling and advanced analytics, enabling companies to recognize trends and predict outcomes.

Real-Time Data Processing: Python's capacity to process real-time data streams enables timely decision-making, particularly in sectors such as finance and retail.

The Power of Power BI Data Modernization Power BI plays a critical role in making complex data accessible and actionable. Power BI, Microsoft’s business intelligence tool, excels at presenting data in an easy-to-understand format. Its key features include:

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[moose-mousse]

Guild Structure

Wanted to write a long reply to this post:

Spreading experience around is always awesome! :D

It is good for the firm you are working at as workers perform better.

it is good for whoever is getting taught since they get smarter.

And it is good for the one teaching, both for the pleasure but also because you learn a LOT by being forced to explain what you know to someone else. It crystalizes the knowledge and experience you have acquired, and forces you to go through the basics again, but this time with all your knowledge and experience, you often learn deeper, more complex truths, methods and skills from doing so than it is POSSIBLE to do when you learn them while having little clue what they are ( Function pointers and their safer class versions is a classic for OOP programmers ).

There is a structure a firm can use as soon as it starts having separated departments. Departments, while necessary, makes a firm more segregated, and makes it harder for knowledge to flow around.

It is called Guild Structure Or rather... some important context if you google this: "Guild Structure" is the only way I have heard of it, but "Guild Structure" is also a product from a firm called FourWeekMBA... which is a consulting firm that sells services that firms that is... basically helping them implement these ideas... So you can easily risk finding overcomplicated explanations for what it is, since if they made it easy to understand... then they do not have a product...

And it is super simple. Normal development work for engineers and software is done in smaller teams... usually 4-8 people. sometimes all are in a domain (like software, electronics, finance, marketing, etc), and sometimes mixed. Often... either being mixed, or having several teams with different domains meet relatively often, like several times a month is a good idea. Because it stops misunderstandings from developing, since they are caught early. It is a waste when the software department develops functionality that it turns out no one actually wanted (Which happens... a lot more than anyone likes)

Firms, managers and workers are often afraid to do this. Usually for 2 reasons. One bad, and one that Guild structure fixes. The bad one is not wanting to risk looking stupid in front of other people. When software, marketing and finance people talk about what to develop... each domain is asking questions in a domain they are not experts in. That is the symptom and consequences of toxic firm culture. Talk about it in the open, communication is how you slowly work on and attack this, both in firms and personal relationships. Because they are both about making humans work better together.

The other is a fair enough one. Software people will learn a lot of software tricks that are only helpful to other software people. And if software people are spread around in these teams the knowledge cannot flow very well. Basically, while mixing domains fixed a whole bunch of knowledge flowing issues... it created a new one for domain specific knowledge...

This is where you make guilds. Make public guilds. There are clear lists of the guilds, explanations of their domains and several example for each guild for what kind of domain they are covering.

In some firms, a software guild is enough. In others, embedded software, high level software, front end and back end are different guilds. It depends a lot on the firm.

The guilds have communication between all members ( chatrooms usually ) and meetings every month. They will try to encourage knowledge sharing by giving tools, like shared drives where good guides, tutorials and tricks are shared. Sometimes written by guild members, sometimes found online (If you just had the though "Wait... is that not what Codeblr does?" you have just realized that Codeblr is a naturally formed guild), having people who have good ideas they want to spread give presentations during the monthly meeting, rewarding the best idea of the month. People can participate as individuals, or small groups (Tricks are often found by 2-3 people working together).

Meetings can be physical, or remote, or switch between them, doing both.

This basically solves the issue of knowledge sharing. It also empowers workers while making the firm better. Everyone wins!