#Next Generation Payment Technology Market

[covid-safer-hotties]

also preserved on our archive

By Jessica Rendall

In addition to Pfizer and Moderna's new formulas, Novavax's protein-based shot is an option for COVID vaccination this season.

We're on the cusp of the fall season, which means respiratory viruses like flu, RSV and COVID are expected to keep spreading as weather cools and more people gather indoors.

Luckily, we've got vaccines in stock to help prevent respiratory viruses from turning into severe illnesses {NADI'S NOTE: Vaccination only minimizes the risk of long covid by a maximum of 30% in some people. The best protection still remains distancing when you can and masking when you cannot}. In addition to flu vaccines for the general public and RSV vaccines for older adults and pregnant people, new COVID vaccines from Pfizer-BioNTech, Moderna and Novavax are available this season to reduce the risk of hospitalization.

This means adults have a choice in which COVID vaccine they receive: an mRNA vaccine by Moderna or Pfizer, or Novavax, a protein-based vaccine that targets the virus in a more "traditional" way. All three have been authorized by the US Food and Drug Administration. While Moderna and Pfizer have been widely used over the last few years, the Novavax vaccine is building up a bit of a following.

Novavax, a protein-based vaccine, is an option for those who don't want or can't take an mRNA vaccine. Novavax may also be appealing to those wanting to experiment with the "mix-and-match" approach to COVID boosters as a way to potentially strengthen the immune response.

"Even though mRNA vaccines dominate the market for COVID vaccines, it remains important to have multiple different types of technologies against various pathogens because each may have specific use cases," Dr. Amesh Adalja, an infectious disease expert and senior scholar with Johns Hopkins Center for Health Security, said in an email.

Here's everything we know about Novavax this year. Also, read more about the at-home flu vaccine that will be available next year and how you can order more free COVID tests online.

How is Novavax different from Pfizer and Moderna? Novavax is a protein-based vaccine, which people have associated with a "traditional" approach to vaccination. This is compared with mRNA technology, which does not use dead or weakened virus as an ingredient in the vaccine but instead uses genetic code to instruct the recipient's immune system to respond.

However, Adalja said that calling Novavax traditional may be a "misnomer" because it brings its own innovation to the table. Novavax uses an insect virus that has been genetically engineered to express spike proteins, Adalja explained, which are then incorporated into the vaccine.

"The vaccine itself is coupled with an immune system booster, called an adjuvant, which increases its immunity," he said, referencing a component existing vaccines have also incorporated.

This year, there are also slight differences between Novavax and Pfizer and Moderna's updated vaccines. Both mRNA vaccines have been tweaked to target the KP.2 strain of COVID-19, which is a slightly more recent version of the virus than what Novavax targets, which is KP.2's "parent" JN.1. While the FDA ultimately decided KP.2 was preferred in vaccines, all of them are expected to help protect against severe disease and death.

However, no COVID vaccines this season will be covered free of charge by the US government. While most people's insurance is expected to continue footing the bill, adults without private or public health insurance will be responsible for payment. The Bridge Access Program was expected to provide COVID vaccines for free to people without health insurance through this year, though it ended early in August due to lack of funding.

According to GoodRx, which has a coupon available for Novavax, the retail price of the protein-based vaccine is about $191.

Who should get Novavax? Does Novavax have different side effects? Novavax was authorized by the FDA for use in adults and children 12 and older, so younger kids can't get this vaccine. But for most adults, which COVID vaccine you should choose depends on your preference and what your neighborhood pharmacy has in stock.

People may opt for Novavax for different reasons, though. For people who do not want to take an mRNA vaccine, having a protein-based vaccine like Novavax available means they can still be vaccinated for the fall and winter season.

Other people may be interested in Novavax for its use in the "mix-and-match" approach to boosting, which in the past has been associated with a strong immune response.

There is some early research that suggests Novavax may have fewer short-term side effects, such as muscle fatigue and nausea, but "we can't say this for sure," Joshua Murdock, a pharmacist and pharmacy editor of GoodRx, said in an email.

"This isn't proven, and side effects do vary by person," Murdock said. He added the CDC doesn't recommend one vaccine over the other, even in people who are immunocompromised.

In general, mRNA vaccines have been found to be fairly "reactogenic" compared to other vaccines, Adalja said, noting that it also depends on the individual. But if someone had a bad experience with the mRNA vaccine, Adalja said, they "may fare better with the Novavax vaccine."

Some flu-like side effects can be expected post-vaccine, no matter which one you choose. This includes symptoms like headache, tiredness, a sore arm and even chills. Not experiencing symptoms doesn't mean your immune system isn't kicking in, but experiencing some side effects may signal that your immune system is responding to the jolt, so to speak.

In rare cases, myocarditis or heart inflammation problems have been associated with COVID vaccination, particularly in younger men and adolescents within the two weeks following vaccination. Research so far shows that Novavax, like mRNA vaccines, may also carry this rare side effect though.

Following high levels of COVID this summer in the US, more information will be needed to see how all vaccines and their freshly targeted formulas fare against the virus that's expected to continue to spread this fall and winter.

"There's no strong evidence that one vaccine is preferable to another in specific individuals, but that will be an important avenue to study for more precision-guided vaccine recommendations," Adalja said.

How to find a Novavax vaccine Novavax announced on Sept. 13 that doses of its vaccine will be available at the following pharmacies:

CVS Rite Aid Walgreens Costco Publix Sam's Club Kroger Meijer Other independent pharmacies or grocers Novavax also has a vaccine finder on its website. To use it, type in your ZIP code in the small search box, and pharmacies nearby with the vaccine in stock will be displayed.

[cryptoworldindia]

Everything You Need to Know About UPB Token: The Future of Digital Transactions

The world of cryptocurrency is constantly evolving, with new tokens emerging to reshape the financial landscape. One such token making waves in the digital economy is UPB Token. Whether you're an investor, trader, or crypto enthusiast, understanding UPB Token can open up exciting opportunities. In this blog, we'll explore what UPB Token is, its features, use cases, and why it stands out in the competitive crypto market.

What is UPB Token?

UPB Token is a next-generation digital asset designed to facilitate fast, secure, and decentralized transactions. Built on a robust blockchain network, it offers users an efficient way to transfer value globally with low transaction fees and high scalability.

Key Features of UPB Token

✅ Decentralization: UPB Token operates on a decentralized blockchain, ensuring transparency and security without the need for intermediaries. ✅ Fast Transactions: The token is designed to process transactions within seconds, making it ideal for everyday use. ✅ Low Fees: Unlike traditional banking systems, UPB Token provides minimal transaction costs, allowing users to save money on transfers. ✅ Scalability: The network can handle a large number of transactions simultaneously, making it suitable for global adoption. ✅ Smart Contract Support: Developers can create decentralized applications (DApps) using UPB Token, enhancing its utility in the DeFi ecosystem.

Use Cases of UPB Token

1. Digital Payments

UPB Token can be used for online purchases, peer-to-peer transfers, and merchant payments, offering a seamless alternative to traditional payment systems.

2. Decentralized Finance (DeFi)

As part of the growing DeFi ecosystem, UPB Token enables staking, yield farming, and liquidity provision on various DeFi platforms.

3. NFT Marketplace

With the booming NFT industry, UPB Token can be used to buy, sell, and trade digital assets securely on NFT marketplaces.

4. Cross-Border Transactions

UPB Token eliminates the need for costly remittance services by allowing users to send and receive funds instantly across borders.

Why UPB Token Stands Out

Unlike many other tokens in the market, UPB Token is backed by a strong technological foundation, a growing community, and real-world applications. Its commitment to innovation and security makes it a promising digital asset for both investors and users.

Final Thoughts

As the cryptocurrency space continues to expand, UPB Token presents an exciting opportunity for those looking to invest in the future of digital finance. With its unique features, growing adoption, and strong use cases, it has the potential to become a major player in the blockchain ecosystem.

If you're interested in UPB Token, stay updated on its latest developments and explore how it can be integrated into your financial strategy!🚀 Join the UPB Token revolution today! 🚀

[bigvee1]

How STON.fi and Web3 Are Changing the Internet for You

If you’ve been hearing a lot about Web3, cryptocurrencies, and decentralized exchanges lately and felt overwhelmed, you’re not alone. These concepts might seem complicated, but in this article, I’m going to break them down in a way that makes sense for you. Let’s talk about how STON.fi, a decentralized exchange (DEX) on the TON blockchain, is playing a key role in shaping this new version of the internet. And no, it’s not as complicated as it sounds. Stick with me!

What Is Web3, and Why Should You Care

Imagine you’re at a café, and you’re paying with your debit card. The café doesn’t just get your money; they also need to deal with your bank to confirm the payment. There are two middlemen involved before your transaction is complete.

Now, picture a world where you could pay the café directly, without needing a bank or any other middleman to be involved. That’s essentially what Web3 is offering. It’s the next generation of the internet, where you have more control over your data, money, and digital presence, and it’s powered by blockchain technology.

Unlike the current internet (Web2), where large companies control the platforms we use, Web3 is about giving control back to you. In Web3, there are no gatekeepers. You own your data and interactions, and you decide how your information is used. In a way, you’re like the owner of a house instead of a tenant. You make the decisions, not someone else.

The Blockchain: The Heart of Web3

To understand Web3, it’s essential to understand blockchain technology. Think of blockchain as a notebook where every transaction or event gets recorded. This notebook isn’t held by a single person or company; it’s shared with everyone in a community. The key is that once something is written in the notebook, it can’t be erased or changed by anyone.

Blockchain gives Web3 the security and transparency that make it different from the current internet. It eliminates the need for third parties—like banks or tech companies—because blockchain is designed to be transparent and trustworthy on its own. If you’ve ever trusted a stranger in a market because they were honest, you get the idea behind blockchain. It’s built to be transparent and to foster trust among everyone involved.

TON Blockchain: Fast and Scalable

If Web3 is like a new highway, TON (The Open Network) is the express lane. While many older blockchains can slow down when there’s a lot of traffic (or users), TON expands as needed, ensuring everything runs smoothly. You can think of it like a road that automatically adds new lanes when there are too many cars on the existing ones, preventing traffic jams.

TON’s scalability means that it’s built to handle a large number of transactions without slowing down. This makes it perfect for Web3, where speed and efficiency are key to creating a seamless user experience.

What Is STON.fi

So, you understand Web3 and the blockchain, but what does this all have to do with STON.fi? STON.fi is a decentralized exchange (DEX) that runs on the TON blockchain. If you’ve ever used a stockbroker or an online exchange to buy or sell something, you know that these platforms act as middlemen. But with STON.fi, there’s no middleman. You trade directly with other users, cutting out fees and delays.

Think of it as a farmers’ market: Instead of buying goods from a supermarket (which adds its own markup), you’re buying directly from the farmer. This direct transaction keeps things transparent, fair, and cheaper for everyone.

With STON.fi, you’re not relying on a single company or authority to handle your trades. Everything is done directly through the platform, making the process quicker, cheaper, and more secure.

Why Does This Matter to You

You might be wondering: why should I care about Web3 or decentralized exchanges like STON.fi? Here’s the thing: Web3 is all about ownership and control.

Right now, most of us live in a world where we’re “renting” our online lives. Platforms like Facebook, Instagram, and even your email provider own your data. They control what you see and what you don’t. When you send money or trade assets, they decide how things go.

But Web3 flips that model. It’s like owning your own home rather than renting it. You control your data, your assets, and your online interactions. It’s empowering. With STON.fi, you own your assets and can freely trade them with others, without needing a middleman taking a cut.

The Benefits of STON.fi

STON.fi brings several key benefits to the table, especially for those looking to participate in the Web3 revolution:

1. Decentralized Control: No single company controls your trades. You interact directly with other users, and your transactions are recorded transparently on the blockchain.

2. Lower Fees: Since there’s no middleman, there are fewer fees. This makes trading and investing much more affordable.

3. Transparency and Security: Every transaction is visible on the blockchain, so you can see exactly how your assets are being moved. Blockchain also ensures that your funds are secure.

4. Passive Income: By participating in liquidity pools, you can earn rewards while helping to keep the platform running smoothly.

In many ways, STON.fi represents the true spirit of Web3: freedom, control, and transparency.

The Bigger Picture: The Future of Web3 and You

It’s easy to think that Web3 is just for tech experts or crypto enthusiasts, but that’s not the case. The decentralized web is for everyone. Whether you’re trading digital assets, creating content, or simply interacting with new online services, Web3 gives you a chance to participate in something bigger—a more open and equitable internet.

The combination of TON’s scalability and STON.fi’s decentralized exchange makes this new internet more accessible, more secure, and more efficient. This is just the beginning, and the possibilities are endless.

Wrapping Up: Why Web3 Should Matter to You

The world of Web3 is not just some distant future. It’s happening right now, and it’s already changing the way we interact with the internet. With STON.fi on the TON blockchain, you’re getting a front-row seat to a revolution in finance and digital ownership.

If you’ve ever wanted to take control of your digital life, Web3 is the way forward. And with platforms like STON.fi, you’re not just participating in this new world���you’re owning it.

The Web3 movement is all about you. Your data. Your assets. Your interactions. No more middlemen. No more restrictions. Welcome to the new internet, and welcome to a world where you are in control. It’s time to embrace the future.

[mariacallous]

Matt Stoller recently made the case that Google’s antitrust troubles mean that the company might be broken up. He is enthusiastic about the prospects for innovation if a shrunken Google were confined to a narrow market such as general search.

But he wonders whether our current institutions are up to the task of supervising such a radical restructuring of a tech giant. He notes that, “in a year, we might have three different judges overseeing antitrust consent decrees and/or break-ups over different parts of Google’s business.” He notes that Google has lost a case involving its app store, another on its search monopoly, and that it faces a third challenge from the Department of Justice on its ad tech business. It might be even more complicated than Stoller makes out, as another case against Google on ad tech, led by Texas and a group of state attorneys general, is set to begin in March 2025.

He asks the right questions: “Are those judges going to collaborate? What if they disagree? Will they de facto serve as regulators of Google going forward? What if they set up technical committees to carry out consent decrees? Wouldn’t these simply become an administrative state fostered by the judiciary? Such an institutional set-up could eventually become the basis for a new regulatory regime.” He doesn’t pursue these questions, perhaps because he thinks that a quest for a digital regulator in today’s legislative climate is hopelessly quixotic. But policymakers seeking to instill competition in technology markets might be disappointed in the results of antitrust efforts without a new regulatory structure. Regardless of who wins the upcoming presidential election, congressional leaders, public interest advocates, and tech industry companies and trade associations planning next year’s legislative agenda might want to revisit some of the antitrust proposals that were under consideration several years ago. They could possibly be tweaked to establish a regulatory regime that stands a better chance of establishing and maintaining competitive market structures in tech than the current administrative arrangements.

Antitrust challenges to Google in the U.S.

In December 2023, Google lost an app store antitrust case launched by Epic Games. A jury found that Google had “willfully acquired or maintained monopoly power” in the Android app distribution market. After concluding a series of hearings on the topic in August, Judge James Donato can now determine appropriate remedies. He seems prepared to “tear the barriers down” that prevent rival app stores from emerging to challenge Google’s stranglehold over Android app distribution.

In August of this year, Google lost a search monopoly case brought by the Department of Justice. In his decision, Federal District Court Judge Amit Mehta found that “Google is a monopolist, and it has acted as one to maintain its monopoly” in the general search services market. According to the decision, Google maintained its monopoly not by providing the best search engine, but by purchasing favorable positions on all the relevant distribution platforms through which consumers could access search engines, most notably through $20 billion in payments to Apple in 2022 for default positions on its Safari browsers. These exclusive contracts enabled Google to manipulate text ad auctions to raise prices for text ads without any meaningful competitive restraint. Judge Mehta has asked for comments by the end of the year from the Department of Justice and state attorneys general on remedies, and he plans to decide by August 2025.

A new case against Google, focused on ad tech markets, began in September 2024. The Department of Justice and several state attorneys general allege that Google uses its ownership of dominant companies in each sector of the ad tech infrastructure to thwart the development of competition and impose monopoly prices on online publishers and advertisers. Google owns a major provider of advertising services to publishers and another dominant company providing services on the other side of the market to advertisers. In addition, it controls the dominant marketplace where publishers and advertisers interact to determine prices for the ads that are displayed on websites.

In its separate complaint on the same issue, a group of state attorneys general said that this interlocking set of monopolies would never be tolerated in other markets: “Imagine if the financial markets are controlled by one monopoly company, say Goldman Sachs, and that company then owns the NYSE, which is the largest financial exchange, that then trades on that exchange to advantage itself, eliminate competition, and charge a monopoly tax on billions of daily transactions.”

Rather than attempt a behavioral remedy to protect ad tech competitors in each of these market segments, the Department of Justice asked the court to “order the divestiture” of Google’s publisher ad server, which it acquired from DoubleClick in 2008, and its dominant ad exchange, in addition to “any additional structural relief as needed to cure any anticompetitive harm.”

Types of remedies under current antitrust law

While most attention in antitrust cases is on the decision of whether a company violated antitrust laws, the real effect of these cases comes only with strong and effective remedies. Once a court has determined that a company has achieved or maintained a monopoly using unlawful means, it must then structure a remedy to instill competition into the monopolized market. Behavioral remedies are ongoing injunctions ordering the company to either avoid certain anticompetitive conduct or provide business customers or competitors with services they need to compete fairly. Meanwhile, structural remedies constrain corporate structure through measures like requiring separate subsidiaries or divestiture. They can also constrain corporate operations through line of business restrictions.

Behavioral remedies are unpopular because they are hard to enforce. They deal with day-to-day business operations, where the companies involved have an overwhelming information advantage. Any hope of enforcing business conduct constraints would require courts and antitrust agencies to assume an ongoing supervisory role, which they are ill-equipped to do.

While preferable in theory, structural remedies are rarely imposed. The most famous examples are long in the past and are separated from each other by 70 years. The Standard Oil Trust was broken up into geographically separate units in 1911. In 1982, a modified consent decree broke the unified Bell Telephone System into separate companies providing long distance service, local service, and telecommunications equipment manufacturing.

The remedies in the current Google cases

A wide range of remedies has been suggested to instill competition in Android app distribution, the general search market, and online ad tech. In its Digital Markets Act (DMA), the European Union has imposed pro-competitive requirements on companies operating digital lines of business in which they both have a dominant position and act as intermediaries between businesses and consumers. To provide for contestability and fairness under the DMA, app stores, for instance, must allow their customers to use independent payment mechanisms and to obtain apps through rival app stores. The Open App Markets bill that passed out of the Senate Judiciary Committee in 2022 and was ready for floor action took a similar approach. But more might be needed. Former Biden administration official and antitrust scholar Tim Wu has suggested a divestiture in which Google would own neither the most popular web browser, Chrome, nor the Android operating system for mobile devices.

The separation of Google from both the Chrome web browser and the Android operating system would help promote app store competition. It would also open up competition in the general search market, since Google makes its own search engine the default in the most popular web browser. A new owner of the browser might make a different search engine the default or install a clear and conspicuous easy-to-use choice screen. To be effective, the divestiture of the browser would have to be accompanied by restrictions on buying access to popular distribution points. Otherwise, Google could simply restore the anticompetitive tie through contract with the new owner, as it did with Apple, rather than through internal administrative arrangements. In addition, it might still be worthwhile to mandate choice mechanisms to give rival search engines public exposure, even though Europe’s experience with these choice remedies suggests that they are ineffective by themselves when operated by a monopolist.

Divestiture is a natural remedy in the ad tech market, since the anticompetitive problems there stem from Google’s control of the infrastructure—ad buying services, ad selling services, and the exchange on which these transactions take place—and these lines of business are easily separable. But, once again, behavioral restrictions would be needed to prevent Google from recreating the anticompetitive arrangements by contract rather than through ownership.

One forward-looking remedy would be to require Google to provide free access to user data it has acquired, while doing business in its various markets. Despite potential privacy issues from this uncontrolled data sharing, this measure could jump-start competitive entry into search by undermining the network effects that allow the largest search engine to improve itself more rapidly than its smaller rivals. It could also ensure contestability in the emerging market for AI products, as companies other than Google would have access to these data for training large language models and other frontier AI systems.

The limits of antitrust remedies

While these remedies have been widely discussed, it is not clear that they can be implemented under current antitrust jurisprudence. One doctrinal limitation is that antitrust law, as currently conceived and practiced, countenances durable monopolies and does not, in general, find antitrust liability for a company that refuses to deal with competitors to preserve or even extend its entrenched monopoly position. One famous Supreme Court case upheld congressional authority to require a duty to deal with competitors in the telecommunications industry but rejected it as a general duty for monopolists under antitrust law. It even endorsed the lure of monopoly profits unconstrained by a duty to aid competitors as the engine of innovation, a theme that has become established in antitrust literature. In a 2021 decision involving the Federal Trade Commission’s (FTC) challenge to the alleged monopoly of Facebook (now Meta) in social media, a district court reaffirmed this rejection of antitrust liability for a monopolist’s refusal to deal with competitors.

These decisions display a deep suspicion on the part of antitrust courts of a general duty to deal and make it hard to imagine that remedies such as access to data or interoperability could be imposed by courts seeking to install competitive conditions in tech markets. Nevertheless, it is theoretically possible for a court to impose a duty to deal as a remedy once it has found liability for anticompetitive conduct, as discussed in detail by antitrust scholar Herbert Hovenkamp. Judge Mehta has already found Google liable for monopolizing the search market not by refusing to deal with competitors, but by buying up distribution outlets and manipulating text ad bidding markets. In principle, he could impose a duty to deal by requiring Google to share access to its search database as a remedy for this anticompetitive conduct.

But even if the courts were not limited in what remedies they could impose, they are ill-equipped to enforce the detailed structural and behavioral restrictions that would be necessary to jump-start and maintain competition. Without a large supervisory staff, how would a generalist court know if Google provided all its data to competitors? How would it also know whether Google had recreated anticompetitive arrangements through contracts? As I argued in an earlier commentary, creating conditions of contestability and fairness in the app market will inevitably involve extensive industry supervision and even price regulation—capacities that are beyond the institutional competence of generalist judges.

Nor is it possible to say that the antitrust agencies will do the supervisory work. If they are to fulfill their statutory mandate of protecting competition throughout the economy, these agencies must move on to other issues and industries once they have won their court cases. Moreover, even if they were inclined to perform this role, they do not have the institutional expertise to function as industry regulators over time. Invoking the possibility of a “technical committee” to do all the supervisory and enforcement work, as Matt Stoller did in his recent piece, is just handwaving. Would such a committee have the authority to examine books and records, without which it would be unable to play a supervisory role? Even if the presiding judge could grant such inspection powers to a committee, it could not be effective as an ad hoc temporary arrangement. Effective supervision would require substantial resources and long-term institutional commitment to do the job. These are not likely to be forthcoming outside the context of a regulatory agency.

Beyond these issues, there are administrative difficulties in having different courts supervising the same tech giant for compliance with different antitrust remedies. Tensions are possible, such as where a remedy to aid ad tech competition could solidify Google’s hold over search. Even if they could be crafted to emphasize synergies—for instance, by arranging a divestiture of Chrome and Android so that it benefits both app store competition and search competition—supervision would inevitably be splintered without an explicit, and unprecedented, cooperative arrangement among courts.

These difficulties of finding remedies for Google’s violations are not unique to the company: They are emblematic of the difficulties of establishing and maintaining competition in tech more broadly. In addition to Google, antitrust enforcers have brought cases against Facebook, Amazon, and Apple. In 2021, the FTC sued Facebook, alleging that its mergers with WhatsApp and Instagram, in addition to its anticompetitive conditions on software developers, allowed it to monopolize the social media market. In 2023, the FTC brought a case against Amazon, alleging that it had used anticompetitive methods to harm both consumers and merchants in its dominant online store. In 2024, the Department of Justice and a group of state attorneys general sued Apple for monopolizing the smart phone market through anticompetitive practices, such as by blocking the growth of apps that would have made switching phones easier.

Even if these cases result in victory for the antitrust agencies, they all leave the key questions of remedies to be resolved. Should there be divestiture? Line of business restrictions? Data sharing rules? Interoperability and access requirements?

The Bell breakup illustrates the role of a digital regulator

The breakup of the Bell Telephone System provides useful guidance on remedies for creating and maintaining a competitive market structure.

One lesson from this breakup is the need for both structural and behavioral remedies. The consent decree mandated not just a breakup, but also ongoing constraints and requirements. To ensure competitive equity, local telephone companies were required to give all long-distance companies access to their local distribution facilities under equal terms and conditions. And the spun-off local telephone companies were put under line of business restrictions that prevented them from doing anything other than providing local telephone service and local access service as regulated monopolies. For tech industries, the message is clear: Simply ordering a breakup of a tech giant and walking away is not sufficient.

Another lesson from the Bell System breakup is the need for regulatory supervision to maintain competitive conditions. The classical view was that regulation was an alternative to antitrust. For deregulatory czar Alfred Khan, who rejected regulation as the enemy of competition, “the antitrust laws are not just another form of regulation but an alternative to it—indeed, its very opposite.” The lesson from the telecommunications industry, however, is that efforts to promote competition work through regulation. Antitrust scholars Joseph Kearney and Thomas Merrill describe this reversal as the great transformation of regulated industries law. Tim Wu generalizes the approach beyond telecommunications, calling it “antitrust via rulemaking.” The key is that regulators are assigned the task not of preserving  industry monopoly, but of implementing regulations designed to establish and maintain competitive conditions.

In 2024, the FTC used this “antitrust through rulemaking” approach through its now suspended noncompete rule, which would have banned companies throughout the economy from enforcing contracts that prevent former employees from working for different companies.

In the past, the Federal Communications Commission attempted to maintain competition through decades of managing the activity of the telecommunications companies it regulated. In 2003, for instance, it adopted a number portability rule that allowed people to take their old phone numbers with them when they switched carriers, thereby enhancing rivalry in the industry.

None of the methods of introducing competition and protecting dependent businesses in telecommunications were self-enforcing decisions that could be made once by an antitrust court and then never revisited: They were tools that had to be used on an ongoing basis through supervision of the industry. Even the consent decree that broke up the Bell System, which apparently relied on non-regulatory structural separation mandates and line of business restrictions, had to have ongoing court supervision which would have been impractical without the backdrop of a regulatory agency. As antitrust scholar Al Kramer put it, “[b]oth a sector-specific regulator and antitrust enforcers were needed” for telecommunications competition to be possible.

For policymakers looking for guidance on what to do about tech monopolies, the lesson is clear: A project to instill competition into the tech industry will need to rely on a strong role for an industry-specific regulatory agency. Thus, as a first order of business, they should create a sectoral regulator that can manage this process of seeking to introduce competition in tech industries.

The way forward in the next Congress

As a first step, that sectoral regulator will be the FTC. It is the only existing agency that has antitrust expertise and some experience in establishing and enforcing industry rules. The FTC certainly has consumer protection rulemaking authority under existing law and might have it for its antitrust mandate. This, in turn, might enable it to play an active role as a pro-competition rule maker.

However, it would be better, if possible, to solidify that authority through congressional action. In 2021 and 2022, bills establishing pro-competitive conditions, such as the American Innovation and Choice Online Act, all assigned implementation, rulemaking, and enforcement duties to the FTC. It is worth remembering that the Senate version of this bill had passed out of the Senate Judiciary Committee and was ready for floor action and that the House version had passed out of the House Judiciary Committee, indicating broad congressional approval of granting the FTC this supervisory role.

As I argue in my book, “Regulating Digital Industries,” providing the FTC with these duties is not ideal. The FTC is essentially an economy-wide law enforcement agency, not a sectoral regulator. Eventually, its limitations would become clear, and Congress would have to transfer digital regulation to a new agency.

It would be better if Congress could move in a single step to a new agency with a pro-competition mission. In 2023, Senators Michael Bennet (D-Colo.) and Peter Welch (D-Vt.) introduced a bill to create a new Digital Platform Commission with the authority to promote digital competition and protect consumers from unjust and unreasonable practices. Later in 2023, Senators Elizabeth Warren (D-Mass.) and Lindsey Graham (R-S.C.) proposed a bill that would establish a new Digital Consumer Protection Commission to regulate digital platforms with respect to competition, transparency, privacy, and national security.

Either approach would overcome the doctrinal limitations in current antitrust law by empowering regulators to impose pro-competitive requirements even in the absence of demonstrable anticompetitive conduct, as is required under current law. The proposed regulators would do this by imposing rules for interoperability, non-discrimination, and access to data as necessary to foster and sustain competition, regardless of whether these measures are permitted under current antitrust law. These bills also provide for ongoing oversight and rule enforcement through agency supervision of the business practices of tech companies and the ability to issue injunctions to halt anticompetitive conduct that violates agency regulations.

As policymakers think about their tech agenda for next year, moving forward with legislation to instill competitive vigor into tech markets should be near the top of the list. The fate of competition in tech industries should not rest with generalist judges, no matter how well intentioned. Experienced regulators should take the lead in this vital task, and Congress should establish a regulatory agency to oversee the introduction and maintenance of tech industry competition.

[rebsultana]

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AI Entrepreneur Fortune is designed as a Next-Gen AI Business Toolkit leveraging the power of AI to integrate directly into any affiliated online business. This redefines simple business operations like content development, social media administration, search engine optimization, email marketing, and compliance with the law.

With an enhanced GPT technology, AI Entrepreneur Fortune is designed to reduce the repetitive work load, generates interesting contents, provides prompt solutions to tough pivotal business decisions. The best part? All of these features does not need anything other than a ChatGPT account which they can get for free if they do not have one hence the software is friendly for any business.

[usafphantom2]

United Arab Emirates allegedly seeks role in South Korea's KF-21 hunting program

Report states that the emirate could replace Indonesia in the 4.5 generation hunting program

Fernando Valduga By Fernando Valduga 09/18/2023 - 08:42am Military

The United Arab Emirates has shown interest in cooperating with South Korea in its KAI KF-21 Boramae fighter development program, potentially becoming the third member of this project.

Financial News, a South Korean daily, said in a report last week that the South Korean National Security Office received a letter from the Tawazun Economic Council of the United Arab Emirates describing Abu Dhabi's interest in direct cooperation in the development of the KF-21.

Interestingly, the report stated that the letter even suggested that Abu Dhabi could replace Indonesia's investment in the program.

Indonesia has a 20 percent stake, but has not fulfilled its financial commitments. Jakarta, which had plans to acquire up to 50 KF-21, joined the program in 2010, but then began to delay payments in 2017, reaching about $557 million in unpaid debts by July 2022. In May, Jakarta tried to alleviate concerns in Seoul by promising a new payment schedule.

The Financial News report estimates that Indonesia's unpaid contributions currently amount to about 990 billion South Korean won, about $745 million.

The reported interest of the United Arab Emirates is hardly a surprise. After all, in January, Abu Dhabi pledged to invest $30 billion in South Korean industries, including defense. In January 2022, the wealthy Arab country signed a $3.5 billion contract for South Korea's Cheongung II KM-SAM air defense missile system, the largest arms export agreement ever made to Seoul at the time.

As these multibillion-dollar investments in South Korean industries demonstrate, the United Arab Emirates would hardly have any serious difficulty in disbursing what Indonesia owes to the Boramae program. In addition, Abu Dhabi would undoubtedly be interested in co-producing the fighter, as it would help further develop its national defense industry through substantial technology transfers, which Seoul has repeatedly shown to be generous in providing to its customers.

The United Arab Emirates suspended negotiations on a historic agreement for 50 fifth-generation U.S. F-35 Lightning II stealth jets in late 2021 due to disagreements over U.S. preconditions and UAE cooperation with China.

In 2017, Abu Dhabi signed a preliminary agreement to work with Russia on the development of a next-generation unspecified fighter. In 2021, Russia exhibited a model of its planned fifth-generation Su-75 Checkmate at the Dubai Airshow.

However, analysts repeatedly noted that the UAE's involvement in such programs was more to demonstrate to the U.S. that they had other weapons options, rather than a genuine effort to acquire Russian fighters for its air force, which consists of American and French jets. And since Russia's invasion of Ukraine, cooperation with Moscow on such projects has been more unsustainable than ever.

With the F-35 agreement apparently out of the question, there are no other viable options currently available for the United Arab Emirates to buy ready-to-use fifth-generation stealth fighters. Consequently, it makes sense to join the KF-21 program, since it can guarantee the acquisition of the advanced aircraft for Abu Dhabi.

The only problem is that the first variant of the KF-21, although more stealthy than the 4.5 generation aircraft currently on the market, will feature external hardpoints instead of internal weapon compartments. Thus, although close to a fifth-generation fighter, it will still fall short of this technical classification, leading some to unofficially call it a "generation 4.75" aircraft. However, future variants may improve this deficiency.

The moment of this supposed interest of the Emirates in Boramae is also noteworthy. After all, the neighbor of the United Arab Emirates, Saudi Arabia, eagerly wishes to join the United Kingdom-Italy-Japan Global Air Combat Program (GCAP), developing the sixth-generation Tempest fighter. Riyadh would have applied for membership in August, a few weeks before the reported interest of the United Arab Emirates in KF-21.

GCAP has an ambitious schedule to reveal Tempest by 2035.

If Saudi Arabia is admitted to GCAP and the project meets its ambitious deadline, Riyadh may start acquiring sixth-generation fighters in the second half of the next decade. Such a development would give the Saudi air force a huge technological advantage over its UAE counterpart.

Although the two neighbors are not adversaries, Abu Dhabi would hardly feel comfortable with this situation of a technological gap in combat air power between them. And even if the KF-21 fails to fill this gap, it will make it less visible, especially if the South Korea-led project produces more stealthy Boramas in the future.

Source: Forbes

Tags: Military AviationUnited Arab EmiratesKAI - Korea Aerospace Industries Ltd.KF-21 Boramae

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Fernando Valduga

Fernando Valduga

Aviation photographer and pilot since 1992, he has participated in several events and air operations, such as Cruzex, AirVenture, Daytona Airshow and FIDAE. He has work published in specialized aviation magazines in Brazil and abroad. Uses Canon equipment during his photographic work throughout the world of aviation.

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[marketingprofitmedia]

ChatGPT Prompts Bundle Review – AI Writing Mastery with ChatGPT Prompts

Welcome to my ChatGPT Prompts Bundle Review Post, This is a genuine user-based ChatGPT Prompts Bundle review where I will discuss the features, upgrades, demo, price, and bonuses, how ChatGPT Prompts Bundle can benefit you, and my own personal opinion. Its Includes 10000+ Well Researched ChatGPT Prompts In Multiple Niches With 100% Unrestricted PLR Rights Which Means You Can Resell, Reuse And ReBrand it & Make Money.

Are you tired of staring at a blank page and struggling to come up with ideas for your next blog post, marketing copy, or social media content? Do you find yourself spending hours brainstorming, drafting, and editing, only to end up with lackluster results? Do you find yourself spending hours brainstorming, drafting, and editing, only to end up with lackluster results? If so, I have an exciting solution for you. Whether you’re a blogger, marketer, content creator, or business owner, ChatGPT can help you streamline your content creation process and take your writing to the next level. ChatGPT Prompts uses cutting-edge AI technology to assist you in generating high-quality content, brainstorming fresh ideas, and crafting compelling messaging. With ChatGPT Prompts, you can save time and effort while producing engaging and impactful content that resonates with your audience.

ChatGPT Prompts Bundle Review: What Is ChatGPT Prompts?

ChatGPT Prompts Bundle is a digital collection designed to supercharge your experience with ChatGPT, a powerful AI language model. It provides pre-written prompts, essentially instructions or starting points, that guide ChatGPT towards generating specific outputs you desire.

Imagine having prompts for crafting catchy marketing copy, brainstorming creative story ideas, or even writing different kinds of code. The bundle categorizes these prompts into various niches, making them relevant to tasks like writing emails, reports, or even sales pitches. By using these prompts, you can save time, spark fresh creative ideas, and ensure ChatGPT generates content that aligns with your goals.

ChatGPT Prompts Bundle Review: Overview

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Product: ChatGPT Prompts Bundle

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ChatGPT Prompts Bundle Review: How Does It Work?

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ChatGPT Prompts Bundle Review: Can Do For You

Overcoming Writer’s Block: ChatGPT prompts can help writers overcome writer’s block by providing them with ideas and starting points for their content.

Sparking Creativity: These prompts can spark creativity and inspire writers to explore new topics and perspectives they may not have considered before.

Saving Time: Instead of spending hours brainstorming ideas, writers can quickly generate prompts with ChatGPT and focus their time on creating content.

Improving Productivity: By providing a structured framework for content creation, ChatGPT prompts can help writers stay focused and productive.

Enhancing Quality: By giving writers a starting point or direction, ChatGPT prompts can help improve the quality and depth of their content.

Diversifying Content: Using prompts can encourage writers to explore different genres, styles, and formats, leading to a more diverse and engaging body of work.

ChatGPT Prompts Bundle Review: Who Should Use It??

Copywriting

Time Management

Stress Management

Entrepreneur

Amazon KDP

Facebook

Google Ads

Productivity Hacks

Email Marketing

Cryptocurrency

Better Sleep

Prompt Engineering

Branding and logo design

NFT Trading

Mindfulness practices

ChatGPT Monetization

Dating Advice

Podcast Success

Gardening

Ebook Writing

Landing Page

Customer Service

Passive Income

Psychology

Social Media Marketing

Tiktok

Google Analytics

Amazon Success

Ebay Success

Print on Demand (POD)

ChatGPT Prompts Bundle Review: OTO’s And Pricing

Front End Price: ChatGPT Prompts Bundle ($13)

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ChatGPT Prompts Bundle Review: Pros and Cons

Pros:

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Enhanced Creativity: Well-designed prompts can inspire ChatGPT to generate more original and engaging content.

Improved Accuracy: Specific prompts guide ChatGPT towards outputs that align with your desired outcome.

Diverse Applications: The bundle caters to various content types, offering prompts for marketing, writing, coding, and more.

Reduced Learning Curve: New users can leverage prompts to grasp ChatGPT’s functionalities quickly.

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You cannot use this product without an active internet connection.

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ChatGPT Prompts Bundle Review: Money Back Guarantee

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Q. What is ChatGpt Prompts Bundle?

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ChatGPT Prompts Bundle Review: Conclusion

ChatGPT Prompts Bundle offers a library of pre-written prompts designed to unlock the full potential of ChatGPT. These prompts act as guides, helping the AI generate content across various niches, from marketing materials to creative writing. While the bundle can be a valuable timesaver, especially for beginners, the key to success lies in the quality of the prompts. Carefully consider your needs and research the bundle’s content before investing. Remember, the bundle can be a springboard, but for long-term success, consider developing your own prompting skills to truly master the art of AI content creation.

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Check Out My Previous Reviews: DEVIO Review, CaptivateAI Studio Review, Explainer Video AI Review, AI Viral Kids Stories Review, MegaPLR Suite 2024 Review, Evoke App Review, AI Doodles Review.

Thank for reading my ChatGPT Prompts Bundle Review till the end. Hope it will help you to make purchase decision perfectly.

Disclaimer: This ChatGPT Prompts Bundle review is for informational purposes only and does not constitute professional advice. Before making a purchase decision, we recommend conducting your own research and exploring the software.

Note: Yes, this is a paid software, however the one-time fee is $13 for lifetime

[ciferon2311]

Best Restaurant POS Software 2024 in India | Ciferon

Step into the future of restaurant management with cutting-edge Point of Sale (POS) software tailored for the Indian market in 2024. Our comprehensive solution is designed to streamline operations, enhance efficiency, and elevate customer experiences. With intuitive interface design and robust features, managing orders, inventory, and payments becomes seamless. From fine dining establishments to bustling cafes, the best restaurant POS software with Ciferon , offers customizable solutions to meet the unique needs of every business. Harness the power of real-time analytics to make data-driven decisions, optimize menu offerings, and drive profitability. With integrated CRM capabilities, forge stronger connections with your patrons and keep them coming back for more. Embrace the next generation of restaurant technology and stay ahead of the competition with our innovative POS sofware in India.

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[jeydiyosa]

"VOGUE OF DIGITAL ADVANCEMENT: THE SIGNIFICANCE OF TECHNOLOGICAL EXISTENCE FOR TRAVELERS’ UNPRECEDENTED EXPERIENCE"

Modern tourism and hospitality businesses are significantly swayed by technology, and it is predicted that it will mold the future of the said industries. In the past years, there have been numerous trends that emerged because of the COVID-19 outburst that make tourism products and services still available as well as more convenient to be utilized and consumed by its potential clients and workers.

Thus, we can conclude that travel preferences and demand will be influenced by current demographic trends, which will also have an impact on the structure and operations of the constant sector as well as its ability to grow sustainably. In line with that, it is based on the fact that in the next few years, more trends will rise and pave the way for the aforementioned industries to become more prosperous.

One of the trends that exist is the Virtual Travel Experience, which has increased the market for entertainment since past years. However, some specialists in the tourism industry already knew it to be one of the most promising travel trends lend by technology. In line with that, it can allow the traveler to digitally get into the virtual surroundings of the place he or she is supposed to visit, whether it’s a hotel or even an attraction.

In addition, there’s a Contactless Booking and Payment that emerged, which means that tourism and hospitality facilities that provide seamless and contactless payment and reservation options will be the must-visit destinations for travelers who are still hesitant to use cash or card machines for payments and other transactions.

In line with the previous trend, here comes the Tech-Empowered Facilitators as a part of the recent trends. This type of trend has integrated itself into the tourism and hospitality industry with innovative products that allow its users to easily facilitate their travel needs with the utilization of their own technologies and the aid of sophisticated and smart software.

Other trends that emerged include travels concerning the environment, which are Sustainable Tourism as well as Active Ecotourism.

Sustainable Tourism, to simply say, as the government concerning the tourism industry and even foreign or local visitors become more aware of the recent pandemic as well as its destructing effects, they start to feel that people must act and choose sustainable travel options in order to reclaim the natural world and preserve it for succeeding generations. On the other hand, Active Ecotourism is another trend that has evolved in response to the need for more environmentally conscious and conscientious travel. Here, it summons people to unify their love of travel with direct involvement in conservation and community services.

In addition, in line with the current trends, there are possible immense opportunities for tourism and hospitality industry to become well-heeled together with the future trends. These trends include the Metaverse Travel (adaptation from VR travel but it provides more exceptional experience), Continuity of Bleisure, and the Increase of Digital Nomads.

For Metaverse Travels, the introduction of it will change the way of how people approach travel due the existence of some cases of pandemic. Even when the restrictions are lifted, the risk and concern that it posed to certain tourists has caused them to change their typical travel strategy. This trend will enable and provide individuals with safer travel options, as well as a less expensive method to explore. In the real world, this phenomenon may fill the tourism niche in the next generation.

Next future trend could be the Continuity of Bleisure where travelers are permitted to enjoy their exploration while working at the same time. In reality, this trend is projected to continue and companies must up to the challenge of leveraging this opportunity by providing convenient and comfortable facilities for both leisure and business travelers.

Lastly, the Increase of Digital Nomads, which is somehow linked to the aforementioned trend. In regards with the previous pandemic, it demonstrated that remote work was possible, paving the way for a new generation of workers to travel while working. By reeling remote workers, every tourism and hospitality firm is expanding into a new market segment that will become increasingly essential as a target group for their marketing efforts.

Disclaimer: No copyright infringement intended. I do not own the images in this post. They belong to their rightful owners.

[issabellathomas]

Nifty Next 50 Companies Driving Activity Across Key Sectors

Highlights:

Covers updates from leading Nifty Next 50 firms across financial and manufacturing sectors

Features stocks from NSE and BSE with consistent presence in market indices

Includes tickers: PIDILITIND, SBICARD, BEL, ICICIGI, and MARICO

The Indian equity market reflects sectoral movements through broader indices beyond the benchmark Nifty 50. One such segment is the Nifty next 50 index, which includes prominent firms just outside the main Nifty composition. Companies like Pidilite Industries Ltd (NSE:PIDILITIND), SBI Cards and Payment Services Ltd (NSE:SBICARD), Bharat Electronics Ltd (NSE:BEL), ICICI Lombard General Insurance Company Ltd (NSE:ICICIGI), and Marico Ltd (NSE:MARICO) represent different industries such as manufacturing, finance, defence, insurance, and consumer goods.

Pidilite Industries Builds on Manufacturing Strength

Pidilite Industries Ltd (NSE:PIDILITIND) operates in the manufacturing sector, offering construction chemicals, adhesives, and maintenance products. With established consumer and industrial brands, the company holds a strong presence across both BSE and NSE platforms. Its operational footprint includes production units and sales networks extending across domestic and international markets.

Product innovation and distribution strategy form the base of its activities. Developments around sustainable materials and eco-friendly solutions continue to gain importance in its portfolio. The company also engages in collaborative ventures for technical expertise and capacity expansion.

SBI Cards Enhances Payment Ecosystem

SBI Cards and Payment Services Ltd (NSE:SBICARD) contributes to the financial ecosystem through credit and digital payment solutions. The company is listed on both the NSE and BSE, and holds a key position in the Nifty next 50. Its operations cover urban and semi-urban areas with digital infrastructure aimed at expanding payment accessibility.

The firm offers consumer and corporate card products. Recent developments include the integration of newer platforms and expansion of reward programs. Partnerships with banks, e-commerce, and lifestyle brands continue to shape its product offerings.

Bharat Electronics Supports Strategic Sectors

Bharat Electronics Ltd (NSE:BEL) operates in the defence electronics and aerospace sector. This public sector enterprise supports multiple government and strategic projects, providing radar, communication, and surveillance systems. BEL is listed on NSE and BSE and maintains a consistent presence in the Nifty next 50 index.

The company’s manufacturing and research units are involved in indigenous production across various categories. It works on long-term contracts and develops customised solutions for security, navigation, and tracking. Its alignment with self-reliance policies enhances its scope in national infrastructure.

ICICI Lombard Drives General Insurance Services

ICICI Lombard General Insurance Company Ltd (NSE:ICICIGI) belongs to the insurance sector, providing a range of general insurance offerings across health, motor, property, and travel categories. As a listed company on the NSE and BSE, it also features in the Nifty next 50 index.

The company adopts a multi-channel approach through digital, direct, and partnership models. Its technological backbone supports claim processes, real-time servicing, and policy issuance. Focus remains on product expansion and customer-centric delivery supported by process innovation.

Marico Ltd Strengthens FMCG Position

Marico Ltd (NSE:MARICO) operates within the fast-moving consumer goods sector, manufacturing personal care, hair nourishment, and edible oil products. With strong branding and wide market reach, it maintains visibility across major Indian and international markets. The company is listed on both NSE and BSE and is part of the Nifty next 50 index.

Its product categories span urban and rural markets, supported by continuous research and consumer feedback. Sustainability practices in packaging and sourcing are part of its supply chain management. The company’s efforts in digital marketing and distribution innovation also contribute to its evolving model.

These developments underline the role played by companies listed under the Nifty next 50 index in shaping economic activity across manufacturing, finance, insurance, defence, and consumer-focused sectors.

[milon102]

Bet360: Your Complete Guide to Smarter Online Sports Betting

In the world of online sports betting, Bet360 has rapidly become a trusted name among bettors seeking a reliable, user-friendly, and feature-rich platform. Whether you're a seasoned punter or a beginner exploring the betting scene, Bet360 offers everything you need to elevate your sports betting experience.

What is Bet360?

Bet360 is an innovative online sports betting platform that caters to a global audience. Known for its intuitive design, competitive odds, and secure betting environment, Bet360 allows users to bet on a wide variety of sports including football, basketball, tennis, cricket, esports, and more.

Key Features of Bet360

1. Wide Range of Sports Markets

Bet360 covers almost every major sporting event worldwide. Whether you're betting on the Premier League, NBA, Wimbledon, or niche markets bet360 like table tennis or darts, you'll find plenty of options. The platform also provides deep market coverage for each event, offering bets on outcomes like goals, scores, player performance, and more.

2. Live Betting and Real-Time Odds

One of Bet360’s standout features is live betting, also known as in-play betting. This allows users to place bets in real-time as the action unfolds. Odds are updated instantly, letting you make strategic decisions based on the game’s momentum.

3. Competitive Odds

Bet360 is known for offering some of the best odds in the industry. Better odds mean higher potential payouts, giving you more value for your money. The platform continuously updates its odds based on market movements to ensure fairness and accuracy.

4. Mobile Compatibility and Bet360 App

For users who prefer betting on the go, the Bet360 app is a perfect solution. Available for both iOS and Android, the app replicates the full functionality of the website. It is fast, secure, and offers push notifications for live events and results. With just a few taps, you can place bets, deposit or withdraw funds, and access customer support.

5. Safe and Secure Betting Platform

Security is a top priority at Bet360. The site uses advanced encryption technology to protect user data and transactions. It also promotes responsible gambling with features like deposit limits, time-outs, and self-exclusion options.

Why Choose Bet360?

Ease of use: The interface is clean and easy to navigate, making it simple for both new and experienced users to place bets.

Bonuses and promotions: New users are often welcomed with generous sign-up bonuses, while loyal users enjoy regular promotions, enhanced odds, and cashback offers.

Customer support: Bet360 provides round-the-clock customer service via live chat, email, and a comprehensive FAQ section.

How to Get Started with Bet360

Getting started with Bet360 is quick and straightforward:

Register an account: Provide basic details and verify your identity.

Make a deposit: Choose from multiple payment options including credit/debit cards, e-wallets, and bank transfers.

Claim your bonus: Activate any available welcome offers.

Start betting: Explore the markets, check the odds, and place your first bet.

Final Thoughts

Whether you're interested in betting on major leagues or smaller competitions, Bet360 offers a seamless and enjoyable betting experience. With a secure platform, live betting features, competitive odds, and an easy-to-use app, it’s no surprise that Bet360 continues to grow in popularity among sports enthusiasts.

If you’re ready to take your sports betting to the next level, Bet360 is the platform you can trust. Sign up today and experience the thrill of smart, strategic betting from the palm of your hand.

[upbblog]

UPB Token The Future of Crypto Payments & Banking is Here

In today’s fast-moving digital age, the way we handle money is rapidly evolving. From traditional banks to decentralized apps, the world is shifting towards faster, safer, and more transparent financial systems. Right at the heart of this transformation is the UPB Token — a powerful digital asset built to lead the next generation of crypto banking and payments.

What is UPB Token?

UPB Token is the native cryptocurrency of Universal Payment Bank (UPB), a digital-first platform that blends traditional banking services with the power of blockchain. This token is designed to serve as a utility asset across UPB’s ecosystem, allowing users to make instant payments, stake for rewards, and access banking services using crypto.

But unlike many tokens that lack real-world application, UPB Token is built for utility — to be used, not just traded. It integrates with Crypto UPI, supports cross-border transfers, and fuels multiple decentralized services.

Why UPB Token is Different

Let’s explore what makes UPB Token stand out in a saturated crypto market:

1. Crypto Banking Services

UPB Token powers a full range of crypto banking features. From savings wallets and staking accounts to instant lending and bill payments, UPB is building a banking model for the blockchain age.

2. Seamless Crypto UPI Integration

With Crypto UPI, users can send and receive money using their UPB Tokens just like a regular UPI transaction — but faster and on-chain. This unique feature puts UPB far ahead in the crypto payment solutions space.

3. Low Fees, High Speed

UPB Token transactions are near-instant and come with minimal gas fees, making it ideal for daily use — whether you're transferring funds, shopping online, or paying vendors.

4. Global Reach

UPB isn't just limited to India. The project aims to expand across borders, enabling frictionless international payments with no middlemen, high exchange rates, or delays.

Top Use Cases of UPB Token

Here’s where and how you can actually use the UPB Token in real life:

💳 Pay online merchants via UPB-supported payment gateways

📲 Send peer-to-peer payments through Crypto UPI

🏦 Earn staking rewards by holding UPB Token in your UPB Wallet

📈 Trade on crypto exchanges and grow your investment

🌐 Use in decentralized apps (dApps) and future UPB platforms

UPB Token is not just a digital coin — it’s the engine behind a smart, blockchain-powered banking system.

How to Get UPB Token

Getting started with UPB is simple. Follow these steps:

Sign up on upbbank.com or any official partner exchange.

Complete KYC (Know Your Customer) for security and compliance.

Deposit INR, USDT, or other supported cryptos.

Buy UPB Token and store them in your secure UPB Wallet.

Once you own UPB Tokens, you can start using them right away — for payments, staking, or investing.

What Makes UPB Token a Smart Investment?

If you're asking yourself whether UPB Token is worth your money, here’s what you need to know:

Utility-backed value: It's not just hype — UPB Token has real-world use across a functional financial ecosystem.

Growing adoption: As more users and merchants join UPB, the demand for UPB Token will naturally rise.

Staking returns: Holders can earn passive income by locking tokens in the platform.

Transparency & security: With blockchain technology at its core, all transactions are secure, traceable, and immutable.

In short, it’s a future-focused asset that combines crypto innovation with real-world usability.

UPB Token and the Road Ahead

UPB has ambitious plans for the future. Here's a look at what’s coming:

🔜 Listings on major crypto exchanges

💳 Launch of UPB debit cards linked to your crypto wallet

📱 Release of UPB mobile app with advanced banking features

💼 Tie-ups with merchants for UPB payment acceptance

🌎 Cross-border partnerships for global remittances

The goal? To make UPB Token the go-to currency for digital banking and payments — worldwide.

Final Thoughts: Is UPB Token Right for You?

If you’re tired of the limitations of traditional banking and want to be part of a secure, transparent, and fast digital finance ecosystem, the UPB Token is a solid choice. It’s not just another coin on the market — it’s a complete solution for banking, payments, and financial empowerment.

With its utility-driven roadmap and Crypto UPI innovation, UPB is building something big — and this is your chance to get in early.

👉 Ready to explore the future of crypto banking? Start with UPB Token today.

[newspressx]

Biometric Market Size, Restraints & Key Drivers 2032

Global Biometric Market Overview The global biometric market is experiencing robust expansion, valued at approximately USD 43.1 billion in 2024, and is projected to surpass USD 110 billion by 2030, growing at a compound annual growth rate (CAGR) of over 14% during the forecast period. Biometrics technology—ranging from fingerprint recognition, facial recognition, and iris scanning to voice recognition—is witnessing massive adoption across sectors including government, banking, healthcare, consumer electronics, and defense. Key growth drivers include the increasing demand for secure authentication systems, rising incidences of data breaches, and the proliferation of smart devices integrated with biometric solutions. Advancements in artificial intelligence (AI), machine learning (ML), and edge computing are enabling real-time biometric processing and multi-factor authentication capabilities. Global Biometric Market Dynamics Drivers: Key factors driving market growth include stringent regulatory policies for identity verification, increased deployment of biometric access control in border security, and growth in mobile payment systems. The integration of biometrics in e-governance initiatives and national ID programs is another major catalyst. Technological developments in biometric sensors and algorithms have significantly enhanced accuracy, response times, and user experience. Restraints: Privacy concerns, data protection regulations, and the high costs of biometric systems remain notable challenges. Additionally, issues related to biometric spoofing and system interoperability can hinder widespread adoption, especially in cost-sensitive regions. Opportunities: The growing use of cloud-based biometric services and the emergence of biometric-as-a-service (BaaS) offer immense market potential. There's also a rising opportunity in developing economies, where digital transformation and financial inclusion efforts are encouraging biometric adoption. Technology, data governance, and sustainability now play pivotal roles in shaping the market. Low-power biometric sensors and energy-efficient hardware are gaining traction, aligning with green IT objectives. Data privacy regulations such as GDPR are pushing vendors toward secure, encrypted, and user-consent-driven systems. Download Full PDF Sample Copy of Global Biometric Market Report @ https://www.verifiedmarketresearch.com/download-sample?rid=31051&utm_source=PR-News&utm_medium=380 Global Biometric Market Trends and Innovations The market is witnessing a surge in touchless biometric solutions, accelerated by the COVID-19 pandemic, with facial recognition and iris scanning leading the trend. AI-powered biometrics, behavioral biometrics, and multimodal systems are shaping next-generation solutions. Innovations in liveness detection, 3D facial mapping, and wearable biometric devices are expanding applications across healthcare, fintech, and law enforcement. Strategic partnerships between biometric technology vendors and cloud providers are fostering scalable and secure solutions. Furthermore, embedded biometrics in smart cards and mobile devices are making digital authentication more seamless and ubiquitous. Global Biometric Market Challenges and Solutions Challenges: The market faces challenges such as integration complexities, lack of standardization, and pricing pressures in deploying large-scale biometric infrastructure. Cross-border regulatory discrepancies can delay implementations. Moreover, the biometric data supply chain remains vulnerable to cybersecurity threats. Solutions: To mitigate these, companies are investing in interoperable, modular systems that can integrate with legacy architectures. Blockchain-based biometric data storage and federated identity models are gaining attention as privacy-preserving technologies. Continuous investment in R&D, employee training, and strategic M&A are helping industry players stay competitive while addressing evolving compliance and security standards.

Global Biometric Market Future Outlook The future of the biometric industry is poised for exponential growth, driven by AI integration, rising urbanization, and increased demand for frictionless authentication experiences. As 5G and IoT become mainstream, biometric systems will increasingly be embedded into smart environments—from autonomous vehicles to smart cities. Governments and enterprises alike will lean on biometrics for robust identity management and fraud prevention. With continuous innovation, supportive regulatory frameworks, and rising consumer acceptance, the biometric market is set to evolve into a cornerstone of the global digital identity infrastructure by 2030. Key Players in the Global Biometric Market Global Biometric Market are renowned for their innovative approach, blending advanced technology with traditional expertise. Major players focus on high-quality production standards, often emphasizing sustainability and energy efficiency. These companies dominate both domestic and international markets through continuous product development, strategic partnerships, and cutting-edge research. Leading manufacturers prioritize consumer demands and evolving trends, ensuring compliance with regulatory standards. Their competitive edge is often maintained through robust R&D investments and a strong focus on exporting premium products globally.   Fujitsu Cognitec Systems Aware ASSA Abloy Precise Biometrics Safran Secunet Security Networks Stanley Black & Decker NEC Corporation and Thales.   Get Discount On The Purchase Of This Report @ https://www.verifiedmarketresearch.com/ask-for-discount?rid=31051&utm_source=PR-News&utm_medium=380 Global Biometric Market Segments Analysis and Regional Economic Significance The Global Biometric Market is segmented based on key parameters such as product type, application, end-user, and geography. Product segmentation highlights diverse offerings catering to specific industry needs, while application-based segmentation emphasizes varied usage across sectors. End-user segmentation identifies target industries driving demand, including healthcare, manufacturing, and consumer goods. These segments collectively offer valuable insights into market dynamics, enabling businesses to tailor strategies, enhance market positioning, and capitalize on emerging opportunities. The Global Biometric Market showcases significant regional diversity, with key markets spread across North America, Europe, Asia-Pacific, Latin America, and the Middle East & Africa. Each region contributes uniquely, driven by factors such as technological advancements, resource availability, regulatory frameworks, and consumer demand. Biometric Market, By Functionality Type • Combined• Contact• Non-contact Biometric Market, By End-User • Government• Military & Defense• Electronics Healthcare• Banking & Finance• Others Biometric Market By Geography • North America• Europe• Asia Pacific• Latin America• Middle East and Africa For More Information or Query, Visit @ https://www.verifiedmarketresearch.com/product/biometric-market/ About Us: Verified Market Research Verified Market Research is a leading Global Research and Consulting firm servicing over 5000+ global clients. We provide advanced analytical research solutions while offering information-enriched research studies. We also offer insights into strategic and growth analyses and data necessary to achieve corporate goals and critical revenue decisions. Our 250 Analysts and SMEs offer a high level of expertise in data collection and governance using industrial techniques to collect and analyze data on more than 25,000 high-impact and niche markets. Our analysts are trained to combine modern data collection techniques, superior research methodology, expertise, and years of collective experience to produce informative and accurate research. Contact us: Mr. Edwyne Fernandes US: +1 (650)-781-4080 US Toll-Free: +1 (800)-782-1768 Website: https://www.verifiedmarketresearch.com/

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[fiveprogrammers]

How One Abu Dhabi App Company is Leading the Market

In the fast-evolving world of technology, mobile apps have become essential tools for business growth, customer engagement, and operational efficiency. Across the Middle East, Abu Dhabi has emerged as a standout destination for app innovation, boasting a thriving digital economy and a strong ecosystem of development firms. Among the top players, one name consistently rises above the rest—Five Programmers, a leading force in mobile app development company in Abu Dhabi.

This blog explores how one company is setting new benchmarks, what makes Abu Dhabi’s mobile app industry unique, and why now is the time for businesses to invest in digital transformation.

Abu Dhabi: A New Frontier for App Innovation

Abu Dhabi is no longer just a center for finance and energy—it’s a forward-looking digital hub. With strong government initiatives like Smart Abu Dhabi and Vision 2030, the city is empowering tech-driven growth and supporting a new wave of startups and enterprises focused on innovation.

Tech companies in the capital benefit from a highly connected infrastructure, access to skilled global talent, and support from incubators and accelerator programs. In this thriving ecosystem, mobile app development companies in Abu Dhabi are flourishing, creating next-generation digital products across various sectors.

The Rise of Five Programmers

Among these innovators, Five Programmers has gained recognition as a premier provider of mobile solutions in the region. The firm stands out for its deep understanding of both global trends and local business needs, helping companies in the UAE and beyond launch high-quality, scalable mobile applications.

Whether it's an e-commerce platform, educational tool, logistics app, or corporate solution, Five Programmers offers end-to-end services tailored to the client’s vision. Their success comes from a combination of:

Strong research and strategy development

Clean, intuitive design interfaces

Secure, scalable backend systems

Agile development methodology

Multilingual app capabilities (Arabic & English)

Key Factors Driving Success in Abu Dhabi’s App Market

1. Cultural Relevance

App developers in Abu Dhabi understand the cultural landscape. They design solutions that cater to both local preferences and international users, making apps bilingual, user-friendly, and regionally compliant.

2. Access to Talent and Technology

Thanks to tech-focused universities and global hiring channels, Abu Dhabi mobile developers have access to some of the brightest minds in the industry. Combined with AI, cloud computing, and blockchain technologies, local companies are building world-class solutions.

3. Affordability and Quality

Despite the high quality of work, development costs in Abu Dhabi remain competitive compared to Europe or North America. This makes the city an attractive outsourcing destination for mobile app projects.

Industries Embracing Custom Mobile Apps in Abu Dhabi

Healthcare: Appointment booking, patient tracking, and digital consultations

E-commerce: Feature-rich shopping apps with secure payment systems

Education: LMS platforms, student portals, and remote learning tools

Real Estate: Virtual property tours, agent chat, and CRM integration

Transport & Logistics: Real-time fleet tracking and route optimization

Each of these sectors is increasingly turning to custom mobile app development in Abu Dhabi to drive digital transformation.

Five Programmers’ Signature Approach

What separates Five Programmers from other app developers is their client-centric approach. They work closely with clients at every step of the journey:

Discovery & Strategy: In-depth market and user research

UI/UX Design: Customized designs aligned with user behavior

Development: Using modern frameworks like Flutter, React Native, and Kotlin

Testing & QA: Comprehensive bug detection and performance checks

Launch & Support: Seamless deployment with long-term technical support

This comprehensive process ensures every project is not just functional, but highly optimized for success.

Current Mobile App Trends in Abu Dhabi

Developers in Abu Dhabi are tapping into global tech trends to create smarter, more interactive apps:

AI-Powered Personalization: Tailoring content and services to user behavior

Voice Search Integration: Including support for Arabic voice commands

AR & VR: Enhancing user experience in sectors like tourism and real estate

Blockchain Security: For encrypted transactions and data management

Cross-Platform Development: Faster development with unified codebases

These trends are redefining what businesses can expect from their mobile applications.

Why Your Business Needs a Mobile App in 2025

The digital-first approach is now a necessity, not a luxury. Having a branded mobile app allows businesses in Abu Dhabi to:

Reach and retain more customers

Improve internal efficiency and workflows

Offer better service accessibility

Collect valuable user data for marketing

Strengthen their brand visibility and loyalty

Frequently Asked Questions (FAQs)

Q1: How long does it take to develop a custom mobile app in Abu Dhabi? A: Depending on complexity, projects typically take 2 to 5 months. Firms like Five Programmers use agile processes to reduce time-to-market.

Q2: Can apps developed in Abu Dhabi be used internationally? A: Yes. Most developers build scalable, multilingual, and compliant apps ready for global markets.

Q3: What platforms do Abu Dhabi developers support? A: iOS, Android, and hybrid platforms using tools like Flutter and React Native.

Q4: Is post-launch support available? A: Absolutely. Companies like Five Programmers offer ongoing maintenance, updates, and analytics.

Final Thoughts

The rise of mobile app development in Abu Dhabi is more than a trend—it’s a sign of the city’s shift into becoming a global digital leader. With forward-thinking firms like Five Programmers, businesses have access to unmatched talent and technology that can bring their digital vision to life.

Whether you're a startup or a large enterprise, now is the perfect time to explore the possibilities of mobile technology.

📩 Get in Touch Today Have an app idea? Let's make it a reality. 📞 Contact Five Programmers now to get a tailored quote and professional consultation.

[globalindustrypulse]

China Core Banking Software Market Growth Potential for the Period 2023 to 2030 | At a CAGR of 21.7%

China is positioned as one of the most dynamic and fastest-growing markets for core banking software globally. The China Core Banking Software Market Size is projected to grow at a CAGR of 21.7% during the forecast period, fueled by sweeping digital banking reforms, rapid adoption of financial technology, and rising demand for real-time, cloud-native banking infrastructure.

China's banking landscape featuring state-owned banks, commercial banks, and a surge of digital-first institutions continues to modernize to meet the needs of an increasingly tech-savvy population and regulatory standards. The push for inclusive finance, mobile-first banking, and cross-border capabilities is accelerating core banking transformation.

Key Market Highlights:

China CAGR (2023–2030): 21.7%

Market Outlook: Fast-tracked digital transformation led by state policy and tech integration

Core Focus Areas: AI-driven risk analytics, mobile-centric banking platforms, cloud-based deployments

Regulatory Influence: People's Bank of China (PBoC) support for fintech innovation and security compliance

Key Players in the China Market:

Huawei Cloud Core Banking Solutions

Tencent Cloud FinTech Services

Ant Group (Alipay Technology)

Yonyou Network Technology Co., Ltd.

Temenos (China Operations)

Avaloq (China presence)

FIS Global

Oracle Financial Services Software

Neusoft Corporation

Kingdee International Software Group

OneConnect (Ping An Group)

Inspur Group

Get Free Request Sample PDF: https://www.fortunebusinessinsights.com/enquiry/request-sample-pdf/china-core-banking-software-market-107482

Growth Drivers:

Government-backed digital finance strategies like the Digital RMB initiative

Rise of mobile-only banks and digital wallets, boosting demand for agile back-end systems

Massive consumer base using mobile banking and fintech apps

Pressure on traditional banks to modernize legacy IT systems to compete with tech-native players

Regulatory momentum toward more transparent, auditable, and integrated banking platforms

Key Opportunities:

Deployment of AI-powered decisioning engines within the core banking stack

Expansion of digital rural banking initiatives through cloud-native platforms

Growth of green finance and ESG-aligned banking requiring adaptable core systems

Integration of blockchain for secure, cross-border transactions and digital ID management

Modernization of core systems at regional rural banks and cooperatives

Market Trends:

Proliferation of Banking-as-a-Service (BaaS) offerings for fintech partners

Wider use of biometric authentication and AI in core workflows

Localization of global core banking platforms for Chinese regulatory alignment

Collaborations between state-owned banks and tech giants for digital transformation

Real-time core systems for mobile-first generation banking customers

Technology & Application Scope:

Core Modules: Customer data management, deposits, lending, treasury, and risk analytics

Deployment Models: Cloud-native (public/private), hybrid, and on-premises for Tier 1 banks

Industries Served: Commercial banks, state-owned banks, rural banks, fintechs, and digital-only banks

Use Cases: Seamless digital onboarding, real-time payments, regulatory reporting, customer profiling

Speak To Analyst: https://www.fortunebusinessinsights.com/enquiry/speak-to-analyst/china-core-banking-software-market-107482

Recent Developments:

April 2024 – A leading state-owned bank migrated its core system to Huawei Cloud, enabling faster transaction processing and real-time analytics across its mobile banking platform.

October 2023 – Tencent announced new AI-integrated core modules supporting smart loan origination and digital credit scoring for small business banking.

June 2023 – Neusoft launched a next-gen cloud-native core banking suite targeted at rural banks, focusing on scalability and compliance with China’s digital finance standards.

Conclusion:

China’s core banking software market is undergoing a digital revolution supported by policy, propelled by technology, and demanded by consumers. With the world's largest mobile-first user base and increasingly complex regulatory mandates, banks in China are rapidly replacing outdated systems with cloud-native, AI-ready, and API-first core banking platforms.

Vendors who localize solutions to meet China's data protection laws, cross-border trade requirements, and real-time transaction standards will be best positioned to capitalize on this transformative growth market.

Frequently Asked Questions:

At what CAGR is the China Core Banking Software market projected to grow in the forecast period of 2023-2030?

What are the key factors driving the China Core Banking Software market?

Who are the major players in this market?