Digital Transactions Quotes

it can use laws, regulations, and outright coercion to come out on top: a determined government is always going to win the battle for currency supremacy, at least in the long run. Other transaction media may thrive, but the government currency will be at the center.

The genesis block contains a hidden message within it. The coinbase transaction input contains the text “The Times 03/Jan/2009 Chancellor on brink of second bailout for banks.” This

Bitcoin isn’t a digital currency. It’s a cryptocurrency. It’s a network-centric money. I really like the idea of a network-centric money. A network that allows you to replace trust in institutions, trust in hierarchies, with trust on the network. ​The network acting as a massively diffuse arbiter of truth, resolving any disagreements about transactions and security in a way where no one has control. ​ ​

Blockchain technology is a form of digitalized, de-centralized public record of all cryptocurrency transactions. Blockchain was designed to record, not just financial-related transactions, but virtually everything of value.

We have proposed a system for electronic transactions without relying on trust. We started with the usual framework of coins made from digital signatures, which provides strong control of ownership, but is incomplete without a way to prevent double-spending. To solve this, we proposed a peer-to-peer network using proof-of-work to record a public history of transactions that quickly becomes computationally impractical for an attacker to change if honest nodes control a majority of CPU power.

What do these decades-old international organizations see in an arcane digital technology built by the crypto-libertarians and Cypherpunks who gave us Bitcoin? It’s the prospect that this decentralized computing system could resolve the issue of social capital deficits that we discussed in the context of the Azraq refugee camp. By creating a common record of a community’s transactions and activities that no single person or intermediating institution has the power to change, the UN’s blockchain provides a foundation for people to trust that they can securely interact and exchange value with each other.

Nights with bright pivots, departure, matter, uniquely voice, uniquely naked each day. Upon your breasts of still current, upon your legs ofharshness and water, upon the permanence and pride of your naked hair, I want to lie, my love, the tears now cast into the raucous basket where they gather, I want to lie, my love, alone with a syllable of destroyed silver, alone with a tip of your snowy breast.   It is not now possible, at times, to win except by falling, it is not now possible, between two people, to tremble, to touch the river’s flower: man fibers come like needles, transactions, fragments, families of repulsive coral, tempests and hard passages through carpets of winter.   Between lips and lips there are cities of great ash and moist crest, drops of when and how, indefinite traffic: between lips and lips, as if along a coast of sand and glass, the wind passes.   That is why you are endless, gather me up as if you were all solemnity, all nocturnal like a zone, until you merge with the lines of time.   Advance in sweetness, come to my side until the digital leaves of the violins have become silent, until the moss takes root in the thunder, until from the throbbing of hand and hand the roots come down.

Bitcoin represents a fundamental transformation of money. An invention that changes the oldest technology we have in civilization. That changes it radically and disruptively by changing the fundamental architecture into one where every participant is equal. Where transaction has no state or context other than obeying the consensus rules of the network that no one controls. Where your money is yours. You control it absolutely through the application of digital signatures, and no one can censor it, no one can seize it, no one can freeze it. No one can tell you what to do or what not to do with your money. It is a system of money that is simultaneously, absolutely transnational and borderless. We’ve never had a system of money like that.

One such middleman is a South African security researcher based in Thailand who is known in the security community by his hacker handle “The Grugq.” The Grugq brokers exploit sales between his hacker friends and government contacts, pocketing a 15 percent commission per transaction. He only launched his business in 2011, but by 2012 sales were so good, he told a reporter he expected to make $1 million in commissions.

Gold offers adversaries significant benefits in a world of U.S.-imposed dollar-based sanctions. Gold is physical, not digital, so it cannot be hacked or frozen. Gold is easy to transport by air to settle the balance of payments or other transactions between nations. Gold flows cannot be interdicted at SWIFT or FedWire. Gold is fungible and nontraceable (it is an element, atomic number 79), so its provenance cannot be ascertained. The United States is unprepared for this

Hoffman had finally gotten a satisfying answer to this at a dinner with Wences and David Marcus and a few other Valley power players late in 2013. Wences agreed with Hoffman that Bitcoin was unlikely to catch on as a payment method anytime soon. But for now, Wences believed that Bitcoin would first gain popularity as a globally available asset, similar to gold. Like gold, which was also not used in everyday transactions, Bitcoin’s value was as a digital asset where people could store wealth.

The CIO is that one leader who can see everything that is happening within the organization," says Victor Fetter, CIO of LPL Financial. "The CIO looks at every transaction and every customer service experience that takes place on the digital platform. With that unique perspective, the CIO understand where efficiency is happening and where it is not. The position, at its most basic level, has moved from someone who just accepted the way things were, to someone who uses that visibility to create aha moments for all leaders across the organization.

Big data is based on the feedback economy where the Internet of Things places sensors on more and more equipment. More and more data is being generated as medical records are digitized, more stores have loyalty cards to track consumer purchases, and people are wearing health-tracking devices. Generally, big data is more about looking at behavior, rather than monitoring transactions, which is the domain of traditional relational databases. As the cost of storage is dropping, companies track more and more data to look for patterns and build predictive models".

Remarkably, studies of visual perception have found that two-dimensional images projected onto the retina only achieve full dimensionality as a result of our perception: we infer the third dimension of depth. Sadly, though, as the urgency to expedite all communicative transactions usurps out customary patterns of exchange, perception is accelerated as well. There does not seem to be a great deal of time left over to infer--or interpret, or imagine--much of anything at all. In the end, of course, there is nothing real about this at all, except for our propensity to let it happen.

Nights with bright pivots, departure, matter, uniquely voice, uniquely naked each day. Upon your breasts of still current, upon your legs ofharshness and water, upon the permanence and pride of your naked hair, I want to lie, my love, the tears now cast into the raucous basket where they gather, I want to lie, my love, alone with a syllable of destroyed silver, alone with a tip of your snowy breast.   It is not now possible, at times, to win except by falling, it is not now possible, between two people, to tremble, to touch the river’s flower: man fibers come like needles, transactions, fragments, families of repulsive coral, tempests and hard passages through carpets of winter.   Between lips and lips there are cities of great ash and moist crest, drops of when and how, indefinite traffic: between lips and lips, as if along a coast of sand and glass, the wind passes.   That is why you are endless, gather me up as if you were all solemnity, all nocturnal like a zone, until you merge with the lines of time.   Advance in sweetness, come to my side until the digital leaves of the violins have become silent, until the moss takes root in the thunder, until from the throbbing of hand and hand the roots come down.   VALS Yo toco el odio como pecho diurno, yo sin cesar, de ropa en ropa, vengo durmiendo lejos.

The word “mining” is somewhat misleading. By evoking the extraction of precious metals, it focuses our attention on the reward for mining, the new bitcoin created in each block. Although mining is incentivized by this reward, the primary purpose of mining is not the reward or the generation of new coins. If you view mining only as the process by which coins are created, you are mistaking the means (incentives) as the goal of the process. Mining is the mechanism that underpins the decentralized clearinghouse, by which transactions are validated and cleared. Mining is the invention that makes bitcoin special, a decentralized security mechanism that is the basis for P2P digital cash.

cryptocurrencies such as Bitcoin and anonymous online markets such as the Silk Road. Digital cryptocurrencies provide an individual with an array of benefits unlike anything the market actor has ever experienced. They provide a means by which one may transfer wealth securely, anonymously, and with virtually zero transaction costs. Naturally, this allows one to safely avoid taxes in the course of a transaction as there is no means by which said transaction may be traced backed to him. More importantly however, the use of such digital currencies normalizes the idea of using private currencies to the general public. The State's status as the sole producer of money is one of its greatest sources of legitimacy and power; thus, the proliferation and expanding use of private currencies constitute effective means by which State rule may be peacefully undermined.

The shift from precious metals to paper in retrospect clarifies that artifacts serving as money tokens are no more than representations of abstract exchange value—they are thus ultimately coveted for their potential use in social transaction, nor for some imagined, essential value intrinsic to the money tokens themselves. If it were not for international agreements such as those of Bretton Woods, gold could conceivably be as useless a medium of exchange in some cultural contexts as seashells are to modern Europeans. This understanding of money, however, simultaneously implies that there is no such thing as intrinsic value. If value ubiquitously pertains to social relations, any notion of intrinsic value is an illusion. Although the European plundering and hoarding of gold and silver, like the Melanesian preoccupation with kula and the Andean reverence for Spondylus, has certainly been founded on such essentialist conceptions of value, the recent representation of exchange value in the form of electronic digits on computer screens is a logical trajectory of the kind of transformation propagated by [Marco] Polo. It is difficult to imagine how money appearing as electronic information could be perceived as possessing intrinsic value. This suggests that electronic money, although currently maligned as the root of the financial crisis, could potentially help us rid ourselves of money fetishism. Paradoxically, the progressive detachment of money from matter, obvious in the transitions from metals through paper to electronics, is simultaneously a source of critique and a source of hope.

Something needs to be said about the role of anonymity and digital pseudonyms. This is a topic for an essay unto itself, of course. Are true names really needed? Why are they asked for? Does the nation state have any valid reason to demand they be used? People want to know who they are dealing with, for psychological/evolutionary reasons and to better ensure traceability should they need to locate a person to enforce the terms of a transaction. The purely anonymous person is perhaps justifiably viewed with suspicion. And yet pseudonyms are successful in many cases. We rarely know whether someone who presents himself by some name is “actually” that person. Authors, artists, performers, etc., often use pseudonyms. What matters is persistence and nonforgeability. Crypto provides this.

Whenever businesses reflexively set things up to herd customers into certain group behaviors, they create disdain and dissatisfaction. Customers in general do not react well to these kinds of things. Gen C customers broadcast their disdain into their social worlds. They have a natural inclination against being thought of in a purely transactional way. They don’t like it when you treat them like prisoners to your conception of how to do business with them.

an open society requires anonymous transaction

The issue today is that branches were not designed for this purpose. They were designed to look after money and process monetary transactions. They were designed to handle physical forms of cash and cheques, as secure transaction centres. This is the core reason why everyone thinks that branches will disappear because they are not retail stores, engaging the brand community, but instead transaction centres run like some administration process.

The following sections survey some of the many US federal computer crime statutes, including         •  18 USC 1029: Fraud and Related Activity in Connection with Access Devices         •  18 USC 1030: Fraud and Related Activity in Connection with Computers         •  18 USC 2510 et seq.: Wire and Electronic Communications Interception and Interception of Oral Communications         •  18 USC 2701 et seq.: Stored Wire and Electronic Communications and Transactional Records Access         •  The Digital Millennium Copyright Act         •  The Cyber Security Enhancement Act of 2002

Jing’s mining node then fills the rest of the block up to the maximum block size (MAX_BLOCK_SIZE in the code), with transactions that carry at least the minimum fee, prioritizing those with the highest fee per kilobyte of transaction. If there is any space remaining in the block, Jing’s mining node might choose to fill it with no-fee transactions. Some miners choose to mine transactions without fees on a best-effort basis. Other miners may choose to ignore transactions without fees.

He also pointed to all the eager Bitcoiners looking to spend their money with anyone who would take the currency. But in interviews he emphasized the more practical reasons for any company to make the move: no more paying the credit card companies 2.5 percent of each transaction (the company helping Overstock take Bitcoin, Coinbase, charged Overstock 1 percent); no more dealing with chargebacks from customers who received shipments and then disputed the charges; and no more worrying about holding lots of sensitive financial information for customers. On the first day, Overstock processed more than $100,000 in orders paid for with Bitcoins.

With the full record of transactions on the blockchain, the Bitcoin advocates said, it was often possible to identify the people involved in transactions, or at least more possible than it was with transactions involving cash.

The main problem of corralling people in to the consolidated digital space, is that it will erode all other non digital forms of activity. If all business is transacted in the digital sphere will this affect our freedom, our ability to function as autonomous individuals. Will it be possible to create societies and communities based on alternate value systems if only one system of communications exists? Also in the field of creativity, what impact does the transference of artistic and cultural activity into the digital realm have. How does it influence and corrupt the process of creation, adaptation and development of real World skills. Also the creation of alternative political and social structures within society may be hampered or curtailed, due to the vast power that digital device usage has to influence and alter discourse.

He was particularly focused on the limited number of transactions that were being confirmed and recorded on the blockchain with each new block. On average, there were only about four hundred transactions getting confirmed every ten minutes in mid-2014. If Bitcoin wanted to compete with payment networks like Visa, which processed two thousand transactions each second, the software was going to need to change significantly.

Every transaction creating wealth first requires an affirmative decision to trust. Building trust creates new wealth. Sustaining trust creates recurring wealth. Achieving trust superior to your competition achieves market dominance.

Although in 2005 compact discs still represented over 98 percent of the market for legal album sales, Morris had no loyalty to the format. In May of that year, Vivendi Universal announced it was spinning off its CD manufacturing and distribution business into a calcified corporate shell called the Entertainment Distribution Company. Included in EDC’s assets were several massive warehouses and two large-scale compact disc manufacturing plants: one in Hanover, Germany, and one in Kings Mountain, North Carolina. Universal would still manufacture all its CDs at the plants, but now this would be an arms-length transaction that allowed them to watch the superannuation of optical media from a comfortable distance. It was one of the oldest moves in the corporate finance playbook: divest yourself of underperforming assets while holding on to the good stuff. EDC was a classic “stub company,” a dogshit collection of low-growth, capital-intensive factory equipment that was rapidly going obsolete. In other words, EDC was a drag on A that added little to B. Let the investment bankers figure out who wanted it—Universal had gone digital, and the death rattle of the compact disc had grown loud enough for even Doug Morris to hear. The CD was the past; the iPod was the future. People loved these stupid things. You could hardly go outside without getting run over by some dumb jogger rocking white headphones and a clip-on Shuffle. Apple stores were generating more sales per square foot than any business in the history of retail. The wrapped-up box with a sleek wafer-sized Nano inside was the most popular gift in the history of Christmas. Apple had created the most ubiquitous gadget in the history of stuff.

As our daily interactions and transactions become more digitized, our behavior becomes increasingly datatized.

IA not only makes transaction processes more efficient, but it also generates log files for every action, creating transparency and ease of compliance. Machine learning leverages the digital information created by these programs to recognize predictive patterns and project trends.

So I come to the abiding paradox that defines our predicament. An affluent, well-educated, hyper-connected public is in revolt against the system that has bestowed all of this bounty upon it. The great motive power of the revolt isn’t economic resentment but outrage over distance and failure. Everyday life is increasingly digital and networked. From dating to hailing a cab, most social and commercial transactions occur at the speed of light. This mode of life incessantly collides with the lumbering hierarchies we have inherited from the industrial age. Modern government, above all, is institutionally unable to grasp that it has lost its monopoly over political reality. It behaves as if imposture and depravity will never be found out: but under the digital dispensation, everything is found out. The public is accustomed to proximity but finds the exercise of power removed an impossible distance away: reasons are never given, questions are never answered, and in this way begins the long, foul rant that is our moment in history.

The traditional financial system uses monetary transactions through financial institutions such as banks. On the other hand, decentralized finance enables digital transactions that are not run by any centralized channels and distinct currency values.

After years of being hounded by the same question—What’s the next new device?—Cook had finally delivered his answer: There isn’t one. His message hadn’t been aimed at Main Street; it was for Wall Street. He wanted investors to see that Apple was making a major shift. Rather than its products creating glory, Cook outlined a future in which Apple basked in the glory of others. He didn’t want to merely update the iPhone every year; he wanted people to pay Apple subscription fees for the movies they watched on that iPhone. He didn’t want to enable digital payments; he wanted Apple to be the processor of every transaction. And he didn’t want Apple to make the screen on which people read articles; he wanted to sell access to the magazines they read. For years, Cook had seen new revenue opportunities in each of those businesses. He had plotted a path to get there, buying Beats in 2014, courting Hollywood agents and directors in the years that had followed, and forging strong ties with Goldman Sachs throughout that time. He saw in all of it a way to shed the burden of a device business that was running out of juice and enter a world of services that promised unlimited growth.

In a little more detail, why is the Bitcoin blockchain so resistant to the rewriting of history? To falsify the “who” of a single transaction you’d need to fake a digital signature, to falsify the “what” you’d need to break a hash function, to falsify the “when” you’d need to corrupt a timestamp, and you’d need to do this while somehow not breaking all the other records cryptographically connected to that transaction through the mechanism of composed block headers. Some call the Bitcoin blockchain a timechain, because unlike many other blockchains, its proof-of-work mechanism and difficulty adjustment ensure a statistically regular time interval between blocks, crucial to its function as a digital history.

Before Grigg, in the 1990s, another visionary had also seen the potential power of a digital ledger. Nick Szabo was an early Cypherpunk* and developed some of the concepts that underlie Bitcoin, which is one reason why some suspect he is Satoshi Nakamoto. His protocol has at its heart a spreadsheet that runs on a “virtual machine”—such as a network of interlinked computers—accessible to multiple parties. Szabo envisioned an intricate system of both private and public data that would protect private identities but provide enough public information about transactions to build up a verifiable transaction history. Szabo’s system—he called it the “God Protocol”—is now more than two decades old. Yet it is remarkably similar to the blockchain platforms and protocols that we’ll learn about in the chapters to come. Szabo, Grigg, and others pioneered an approach with the potential to create a record of history that cannot be changed—a record that someone like Madoff, or Lehman’s bankers, could not have meddled with. Their approach might just help restore trust in the systems we use to transact with each other.

Olsen set out to make his dream a reality. He raised $5 million, partially with tokens, to launch a startup called Lykke, whose mission, he says, is to “build a matching engine that can offer a fair market price across any digital coin, whatever its nature.” Confident that the scaling problems of blockchains will be resolved one way or another, he is convinced that open data and middleman-free blockchain-based asset markets will trend toward zero transaction costs for cross-trading in all securitized digital assets.

The Internet was originally built on trust,” write the authors of the IBM paper, Veena Pureswaran and Paul Brody. “In the post-Snowden era, it is evident that trust in the Internet is over. The notion of IoT solutions built as centralized systems with trusted partners is now something of a fantasy.” Pureswaran and Brody argue that the blockchain offers the only way to build the Internet of Things to scale while ensuring that no one entity has control over it. A blockchain-based system becomes the Internet of Things’ immutable seal. In an environment where so many machine-to-machine exchanges become transactions of value, we will need a blockchain in order for each device’s owner to trust the others. Once this decentralized trust structure is in place, it opens up a world of new possibilities. Consider this futuristic example: Imagine you drive your electric Tesla car to a small rural town to take a hike in the mountains for the day. When you return you realize you don’t have enough juice in your car and the nearest Tesla Supercharger station is too far away. Well, in a sharing economy enabled by blockchains, you would have nothing to fear. You could just drive up to any house that advertises that it lets drivers plug into an outlet and buy power from it. You could pay for it all with cryptocurrency over a high-volume payments system, such as the Lightning Network, and the tokens would be deducted from your car’s own digital wallet and transferred to the wallet of the house’s electric meter. You have no idea who owns this house, whether they can be trusted not to rip you off, or whether they’re the sort of people who might install some kind of malware into your car’s computer to rob its digital-currency wallet.

The lack of a functioning, trustful community also heightened the refugees’ fears of being abducted by the extremist organization Islamic State. Many initially refused to move to Azraq camp, and although the numbers have increased more recently, Azraq is still far below the 130,000 capacity for which it was built. It’s fitting then that this pop-up city, in real need of some functioning social capital, is now the scene of a radical experiment in new models of community governance, institution-building, and the management of resources. At the heart of that effort is blockchain technology, the decentralized ledger-keeping system that underpins the digital currency bitcoin and promises a more reliable, immediate way to trace transactions. The World Food Program (WFP), a UN agency that feeds 80 million people worldwide, is putting 10,000 Azraq refugees through a pilot that uses this system to better coordinate food distribution. In doing so, the WFP is tackling a giant administrative challenge: how to ensure, in an environment where theft is rampant and few people carry personal identifying documents, that everyone gets their fair share of food. Among those participating in this project was forty-three-year-old Najah Saleh Al-Mheimed, one of the more than 5 million Syrians forced to flee their homes as the brutal, ongoing civil war has all but destroyed their country. In early June 2015, with mounting food shortages and reports of girls being kidnapped by militias in nearby villages, Najah and her husband made the drastic decision to leave her hometown of Hasaka, where their families had lived for generations. “It was an ordeal that I pray to God no human will ever witness,” she said in an interview conducted on our behalf by WFP staffers working in the Azraq camp.

In 2005, a computer expert named Ian Grigg, working at a company called Systemics, introduced a trial system he called “triple-entry bookkeeping.” Grigg worked in the field of cryptography, a science that dates way back to ancient times, when coded language to share “ciphers,” or secrets, first arose. Ever since Alan Turing’s calculating machine cracked the German military’s Enigma code, cryptography has underpinned much of what we’ve done in the computing age. Without it we wouldn’t be able to share private information across the Internet—such as our transactions within a bank’s Web site—without revealing it to unwanted prying eyes. As our computing capacity has exponentially grown, so too has the capacity of cryptography to impact our lives. For his part, Grigg believed it would lead to a programmable record-keeping system that would make fraud virtually impossible. In a nutshell, the concept took the existing, double-entry bookkeeping system and added a third book: the independent, open ledger that’s secured by cryptographic methods so that no one can change it. Grigg saw it as a way to combat fraud. The way Grigg described it, users would maintain their own, double-entry accounts, but added to these digitized books would be another function, essentially a time stamp, a cryptographically secured, signed receipt of every transaction. (The concept of a “signature” in cryptography means something far more scientific than a handwritten scrawl; it entails combining two associated numbers, or “keys”—one publicly known, the other private—to mathematically prove that the entity making the signature is uniquely authorized to do so.)

The machines enter the competition by simultaneously and rapidly coming up with new potential block hashes to encode and capture all the data in the new, fully packaged block and link it to the block hash of the previous block. The winning block hash must match one that bitcoin’s core algorithm has decided will be the current block’s winning number. The match is extremely difficult to make, so the computers keep coming up with new hashes until they get it right, tweaking the process each time to change the readout—over and over and over. Each of the countless new hashes produced by the computer is created by adding a unique, randomly generated number called a nonce to the other data contained in the block hash, which, as mentioned, includes the hashed underlying transaction information and the block hash of the previous block. Adding a new nonce each time completely alters the output hash.

In the case of Bitcoin and other cryptocurrencies, digital coins are only created through a network of computers, which must expend inordinately large amounts of energy to confirm transactions (that is, “mining” coins); receiving coins is a reward granted to those who use their computers to do that work.

As the issuance rate of new bitcoins slows further, the algorithm will almost certainly need to be tweaked to make transaction fees a more important part of miners’ remuneration to keep them incentivized to do their job. (Once the issuance rates drops to zero in the year 2140, transaction fees will be the only form of compensation

The core development team managed by the Bitcoin Foundation’s Gavin Andresen has a plan in place to create a flexible scale of fees per confirmation wait times whose rates would be set by a market mechanism. This reminds us that while bitcoin is far more efficient as a payment system than the bank-centric, centralized system, it’s not free. Both seigniorage and transaction fees represent a transfer of value to those running the network. Still, in the grand scheme of things, these costs are far lower than anything found in the old system.

Miners are set the task of solving the puzzle for two reasons. One, it imposes a cost on mining, since the computing power it demands is expensive, in terms of both the machinery and the electricity it uses. That helps to regulate mining and create a reciprocal relationship between what otherwise would be free bitcoins and the work required to obtain them. And two, it creates a competition with a payout at the end, which incentivizes the miners to do the work needed to confirm the transactions.

Unlike with credit-card transactions, which are linked to an individual’s name and made known to that person’s bank and to anyone else with access to the person’s account records, a bitcoin address has no personal connection. It’s one reason some people turn to bitcoin

if they publicize that such and such a bitcoin address is theirs, then anyone can see every transaction they make in or out of that address. Because only alphanumeric identifiers appear and not names, law enforcement agents cannot easily navigate this system. Yet the traceability presents opportunities to follow leads that would otherwise run dead with cash.

The unidentified founder of bitcoin dealt with this fairness problem by resorting to the free-market principles of competition. That is one of the purposes of the relentless hashing competition, a process that, to the uninitiated, can seem pointless. It’s a bit of a trick. Miners perform a task with the sole goal of winning a race to earn bitcoin, and almost as an unintended result, they end up confirming transactions along the way and keeping the blockchain up-to-date. This is the basis upon which bitcoin’s protocol decides who should earn the seigniorage, a model founded on the idea that in return for this privilege the recipients must invest resources—equipment, electricity—and that their computer must do work. That in turn provides

At their core, cryptocurrencies are built around the principle of a universal, inviolable ledger, one that is made fully public and is constantly being verified by these high-powered computers, each essentially acting independently of the others. In theory, that means we don’t need banks and other financial intermediaries to form bonds of trust on our behalf. The network-based ledger—which in the case of most cryptocurrencies is called a blockchain—works as a stand-in for the middlemen since it can just as effectively tell us whether the counterparty to a transaction is good for his or her money.

Xiaochen Fu is one of Richard’s former students at the Kennedy School and now a manager at the Bank of China. When she worked at Agricultural Bank of China, the third largest bank worldwide, she used this maxim to help the bank make its transition to the digital era. At a time when clients were increasingly using smartphones to conduct banking transactions, her bank still had more than 300,000 staff working at 25,000 branches around the country. Some branches found that fewer and fewer clients came in person. She and her staff were struggling to decide how they should adjust the number and location of their branches. “Then I remembered Professor Zeckhauser’s maxim. To find the extreme case, we went through regulations and procedures for all the services provided by a full-function bank branch, in order to identify which services would be very difficult or impossible to deliver online. (For example, the government forbids third-party couriers to deliver physical gold, so clients who want to buy physical gold products must go to branches.) After finding all such services, and considering the needs and preferences of clients served at different branches (for example, senior clients and rural area clients still prefer face-to-face financial services), it became much clearer which branches should be closed, and which ones should be saved. The planning project proved to be cost-efficient, and allowed the bank to adapt to the digital age and better meet the needs of our clients. I reckon that the maxim gave me not only the tools but also the courage to deal with such complicated conditions.” Xiaochen’s account identifies two critical benefits a maxim may bring. It can help you focus on how to approach a problem, and it can give you the courage to take action when you determine the best decision. This is true for many other maxims in this book.

Ecommerce began taking root in 2000. Since then, ecommerce’s share of retail has grown approximately 1% every year. At the beginning of 2020, approximately 16% of retail was transacted via digital channels. Eight weeks after the pandemic reached the U.S. (March to mid-April), that number leapt to 27% . . . and it’s not going back. We registered a decade of ecommerce growth in eight weeks.

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blockchain technology records financial transactions made with digital currencies such as Bitcoin, it will in the future serve as a registrar for things as different as birth and death certificates, titles of ownership, marriage licenses, educational degrees, insurance claims, medical procedures and votes

industrialized mining operations might one day afford a nefarious actor the power to create a fork intentionally by seizing majority control of the total hashing power. That’s come to be known as a 51 percent attack. Nakamoto’s original paper stated that the bitcoin mining network could be guaranteed to treat everyone’s transactions fairly and honestly so long as no single miner or mining group owned more than 50 percent of the hashing power. If malevolent actors secretly created an alternate chain of fraudulent transactions to spend bitcoins they didn’t own, their efforts to have those transactions confirmed would fail if they didn’t have majority hashing power.

This book is a compilation of interesting ideas that have strongly influenced my thoughts and I want to share them in a compressed form. That ideas can change your worldview and bring inspiration and the excitement of discovering something new. The emphasis is not on the technology because it is constantly changing. It is much more difficult to change the accompanying circumstances that affect the way technological solutions are realized. The chef did not invent salt, pepper and other spices. He just chooses good ingredients and uses them skilfully, so others can enjoy his art. If I’ve been successful, the book creates a new perspective for which the selection of ingredients is important, as well as the way they are smoothly and efficiently arranged together. In the first part of the book, we follow the natural flow needed to create the stimulating environment necessary for the survival of a modern company. It begins with challenges that corporations are facing, changes they are, more or less successfully, trying to make, and the culture they are trying to establish. After that, we discuss how to be creative, as well as what to look for in the innovation process. The book continues with a chapter that talks about importance of inclusion and purpose. This idea of inclusion – across ages, genders, geographies, cultures, sexual orientation, and all the other areas in which new ways of thinking can manifest – is essential for solving new problems as well as integral in finding new solutions to old problems. Purpose motivates people for reaching their full potential. This is The second and third parts of the book describes the areas that are important to support what is expressed in the first part. A flexible organization is based on IT alignment with business strategy. As a result of acceleration in the rate of innovation and technological changes, markets evolve rapidly, products’ life cycles get shorter and innovation becomes the main source of competitive advantage. Business Process Management (BPM) goes from task-based automation, to process-based automation, so automating a number of tasks in a process, and then to functional automation across multiple processes andeven moves towards automation at the business ecosystem level. Analytics brought us information and insight; AI turns that insight into superhuman knowledge and real-time action, unleashing new business models, new ways to build, dream, and experience the world, and new geniuses to advance humanity faster than ever before. Companies and industries are transforming our everyday experiences and the services we depend upon, from self-driving cars, to healthcare, to personal assistants. It is a central tenet for the disruptive changes of the 4th Industrial Revolution; a revolution that will likely challenge our ideas about what it means to be a human and just might be more transformative than any other industrial revolution we have seen yet. Another important disruptor is the blockchain - a distributed decentralized digital ledger of transactions with the promise of liberating information and making the economy more democratic. You no longer need to trust anyone but an algorithm. It brings reliability, transparency, and security to all manner of data exchanges: financial transactions, contractual and legal agreements, changes of ownership, and certifications. A quantum computer can simulate efficiently any physical process that occurs in Nature. Potential (long-term) applications include pharmaceuticals, solar power collection, efficient power transmission, catalysts for nitrogen fixation, carbon capture, etc. Perhaps we can build quantum algorithms for improving computational tasks within artificial intelligence, including sub-fields like machine learning. Perhaps a quantum deep learning network can be trained more efficiently, e.g. using a smaller training set. This is still in conceptual research domain.

While Litecoin, Ripple, and Dogecoin all added elements to the mix of what it meant to be a cryptocurrency, they did not provide the privacy that many early Bitcoin advocates yearned for. It is a common misconception, even for Bitcoin, that it is an anonymous payment network. Bitcoin transactions are pseudonymous, and since every transaction can be seen by any third party, there is a wealth of information for anyone who would like to pinpoint who the participants are. Inarguably, someone who wants to use a currency for illegal activity is better off using cash than bitcoin. With every transaction, bitcoin leaves an indelible digital mark in Bitcoin’s blockchain.

The combination of globally distributed computers that can cryptographically verify transactions and the building of Bitcoin’s blockchain leads to an immutable database, meaning the computers building Bitcoin’s blockchain can only do so in an append only fashion. Append only means that information can only be added to Bitcoin’s blockchain over time but cannot be deleted—an audit trail etched in digital granite. Once information is confirmed in Bitcoin’s blockchain, it’s permanent and cannot be erased. Immutability is a rare feature in a digital world where things can easily be erased, and it will likely become an increasingly valuable attribute for Bitcoin over time.

The mining process for bitcoin is a continual cycle of hashing a few pieces of data together in pursuit of an output that meets a predetermined difficulty level, mainly the number of 0s that the output starts with. We call this output the golden hash. Recall that a hash function takes data—for example the text in this sentence—and hashes it into a fixed-length string of alphanumeric digits. While the output of a hash function is always of fixed length, the characters within it are unpredictable, and therefore changing one piece of data in the input can drastically change the output. It’s called a golden hash because it bestows the privilege of that miner’s block of transactions being appended to Bitcoin’s blockchain. As a reward, that miner gets paid in a coinbase transaction, which is the first transaction in the block. Currently, that transaction delivers 12.5 bitcoin to the lucky miner.

Public blockchains are not so much databases as they are system architectures spawned from the bottom up to orchestrate the creation of globally decentralized digital services. Over time, miner compensation will shift from the issuance of new bitcoin to transaction fees, and if global adoption is great enough, then transaction fees will be sufficient to sustain miners.

Counterparty is a cryptocommodity that runs atop Bitcoin, and was launched in January 2014 with a similar intent as Ethereum. It has a fixed supply of 2.6 million units of its native asset, XCP, which were all created upon launch. As described on Counterparty’s website, “Counterparty enables anyone to write specific digital agreements, or programs known as Smart Contracts, and execute them on the Bitcoin blockchain.”7 Since Bitcoin allows for small amounts of data to be transmitted in transactions and stored on Bitcoin’s blockchain, it becomes the system of record for Counterparty’s more flexible functionality. Since Counterparty relies upon Bitcoin, it does not have its own mining ecosystem.

Net-banking ‘was’ an important payment method because of (a) lower credit card penetration (b) fear of using cards online. Over a period, net-banking users started moving to debit cards (as every bank account has a debit card) but the rise of UPI drastically affected net-banking transactions. Erosion of net-banking can be attributed to both merchants and customers alike: Customer: Multiple hops to complete the transaction, non-optimised mobile pages and remembering password (not a user-friendly flow). Merchant: Success rate is inconsistent and lower; commercials are higher (than debit cards) for majority of sectors. Few years ago, net-banking options were prominently displayed on merchant’s checkout pages. But nowadays net-banking options are at the bottom of the page or hidden as the merchants still wants to have it but don’t want users to pay using those.

Net-banking is a payment instrument where customers can transact using a bank account that is enabled for online payments.

There are five ways technology can boost marketing practices: Make more informed decisions based on big data. The greatest side product of digitalization is big data. In the digital context, every customer touchpoint—transaction, call center inquiry, and email exchange—is recorded. Moreover, customers leave footprints every time they browse the Internet and post something on social media. Privacy concerns aside, those are mountains of insights to extract. With such a rich source of information, marketers can now profile the customers at a granular and individual level, allowing one-to-one marketing at scale. Predict outcomes of marketing strategies and tactics. No marketing investment is a sure bet. But the idea of calculating the return on every marketing action makes marketing more accountable. With artificial intelligence–powered analytics, it is now possible for marketers to predict the outcome before launching new products or releasing new campaigns. The predictive model aims to discover patterns from previous marketing endeavors and understand what works, and based on the learning, recommend the optimized design for future campaigns. It allows marketers to stay ahead of the curve without jeopardizing the brands from possible failures. Bring the contextual digital experience to the physical world. The tracking of Internet users enables digital marketers to provide highly contextual experiences, such as personalized landing pages, relevant ads, and custom-made content. It gives digital-native companies a significant advantage over their brick-and-mortar counterparts. Today, the connected devices and sensors—the Internet of Things—empowers businesses to bring contextual touchpoints to the physical space, leveling the playing field while facilitating seamless omnichannel experience. Sensors enable marketers to identify who is coming to the stores and provide personalized treatment. Augment frontline marketers’ capacity to deliver value. Instead of being drawn into the machine-versus-human debate, marketers can focus on building an optimized symbiosis between themselves and digital technologies. AI, along with NLP, can improve the productivity of customer-facing operations by taking over lower-value tasks and empowering frontline personnel to tailor their approach. Chatbots can handle simple, high-volume conversations with an instant response. AR and VR help companies deliver engaging products with minimum human involvement. Thus, frontline marketers can concentrate on delivering highly coveted social interactions only when they need to. Speed up marketing execution. The preferences of always-on customers constantly change, putting pressure on businesses to profit from a shorter window of opportunity. To cope with such a challenge, companies can draw inspiration from the agile practices of lean startups. These startups rely heavily on technology to perform rapid market experiments and real-time validation.

A strain of newly minted “cyberlibertarian” ideals informed the early Internet, which assumed that a fairly minimal communications layer was sufficient; obviously necessary higher-level architectural elements, such as persistent identities for humans, would be supplied by a hypothetical future layer of private industry. But these higher layers turned out to give rise to natural monopolies because of network effects; the outcome was a new kind of unintended centralization of information and therefore of power. A tiny number of tech giants came to own the means of access to networks for most people. Indeed, these companies came to route and effectively control the data of most individuals. Similarly, there was no provision for provenance, authentication, or any other species of digital context that might support trust, a precious quality that underlies decent societies. Neither the Internet nor the Web built on top of it kept track of back links, meaning what nodes on the Internet included references to a given node. It was left to businesses like commercial search engines to maintain that type of context. Support for financial transactions was left to private enterprise and quickly became the highly centralized domain of a few credit card and online payment companies.

RECOVER LOST BITCOIN,USDT,ETH WITH DIGITAL HACK RECOVERYScams are a bitter reality in today's interconnected world, where trust is easily exploited and vulnerabilities are ruthlessly targeted. It's a tale that often begins with optimism and ends in despair, leaving victims like me questioning not only their judgment but also their financial security. The incident that befell me was nothing short of a whirlwind, a sudden plunge into disbelief and devastation.Let me take you back to that fateful day when my world turned upside down. I had diligently saved up 4BTC, a significant sum representing not just money but dreams of financial stability and future plans. With cautious optimism, I ventured into what seemed like a promising investment platform. The allure of quick returns and seemingly legitimate promises clouded my judgment. Little did I know, I was stepping into a meticulously orchestrated trap.The signs were subtle at first, almost imperceptible amidst the initial euphoria of potential gains. But soon enough, the platform's facade began to crack. Withdrawal requests stalled, customer support turned evasive, and promises evaporated into thin air. It dawned on me slowly and painfully that I had fallen victim to a scam scheme. My hard-earned savings, painstakingly accumulated over time, were now gone in the blink of an eye.The initial shock gave way to anger and despair. How could this happen? Why did I not see the warning signs? The sense of betrayal was profound, not just towards the perpetrators of the scam but also towards myself for letting my guard down.Amidst the darkness, a glimmer of hope emerged in the form of Digital Hack Recovery. Initially skeptical, I had heard countless stories of scams within the recovery industry itself. However, desperate for any chance of redemption, I reached out to them. Their response was swift and professional, devoid of the empty promises that had ensnared me before.Digital Hack Recovery didn't just offer assurances; they delivered results. With methodical precision, they navigated the complexities of blockchain transactions and financial protocols, leveraging their expertise to trace and recover my stolen funds. The day I received confirmation of the retrieval remains etched in my memory — a moment of disbelief followed by overwhelming relief and joy. It wasn't just about the money; it was about reclaiming a sense of control and justice.What sets Digital Hack Recovery apart is their commitment to transparency and integrity. Throughout the process, they kept me informed and involved, patiently explaining each step and managing expectations realistically. Their professionalism was a stark contrast to the deceitful tactics of scammers, restoring my faith in ethical business practices amidst a landscape fraught with deception.Today, I stand not just as a survivor of financial fraud but as a testament to the efficacy of legitimate recovery services. Digital Hack Recovery not only restored my stolen funds but also revived my belief in the possibility of recourse for victims of scams. They are not just reclaiming lost assets but rebuilding shattered lives and futures.If you find yourself ensnared in a similar plight, I urge you not to lose hope. There are avenues for recovery, and Digital Hack Recovery stands as a beacon of hope in a dark sea of deceit. Trust their expertise, follow their guidance, and reclaim what is rightfully yours. The journey may be arduous, but with the right allies by your side, justice can prevail. with Digital Hack Recovery transcended mere financial restitution; it was a restoration of faith and resilience. They are more than professionals; they are champions of justice in an age where trust is a scarce commodity. Talk to Digital Hack Recovery through⁚ WhatsApp +19152151930 Website; https: // digital hack recovery . com Email; digital hack recovery @ techie . com

six reasons why email is the best: My company AppSumo generates $65 million a year in total transactions. And you know what? Nearly 50 percent of that comes from email. This percentage has been consistent for more than ten years. Don’t believe me? I have 120,000 Twitter followers, 750,000 YouTube subscribers, and 150,000 TikTok fans—and I would give them all up for my 100,000 email subscribers. Why? Every time I send an email, 40,000 people open it and consume my content. I’m not hoping the platform gods will allow me to reach them. On the other platforms, anywhere between 100 and 1 million people pay attention to my content, but it’s not consistent or in my control. I know what you’re saying: “C’mon, Noah, email is dead.” Now ask yourself, when was the last time you checked your email? Exactly. Email is used obsessively by over 4 billion people! It’s the largest way of communicating at scale that exists today. Eighty-nine percent of people check it EVERY DAY! Social media decides who and how many people you’re seen by. One tweak to the algorithm, and you’re toast. Remember the digital publisher LittleThings? Yeah, no one else does, either. They closed after they lost 75 percent of their 20,000,000 monthly visitors when Facebook changed its algorithm in 2018. CEO Joe Speiser says it killed his business and he lost $100 million. You own your email list. Forever. If AppSumo shuts down tomorrow, my insurance policy, my sweet sweet baby, my beloved, my email list comes with me and makes anything I do after so much easier. Because it’s mine. It also doesn’t cost you significant money to grow your list or to communicate with your list, whereas Facebook or Google ads consistently cost money.

Unveiling London E-commerce Triumph: Decoding Data with WooCommerce Analytics In the bustling realm of London e-commerce, navigating the digital landscape requires not just intuition but informed decision-making backed by data. This is where the marriage of WooCommerce and analytics becomes a game-changer. In this exploration, we delve into the nuances of leveraging WooCommerce Analytics for e-commerce success in London. As we embark on this journey, the expertise of a dedicated woocommerce development in london adds a unique perspective, unraveling the potential of data decoding in the heart of the e-commerce landscape. Understanding the London E-commerce Scene This section emphasizes the importance of understanding the unique characteristics of the London e-commerce landscape. It underscores the need for businesses to be attuned to local market trends, consumer preferences, and the digital sophistication of the London audience to effectively leverage WooCommerce Analytics. The Role of WooCommerce Agency in London E-commerce Analytics 1. Proactive Data Strategy: Setting the Foundation This point explains the proactive role of a WooCommerce agency in London in establishing a robust data strategy. It involves setting up analytics tools, defining KPIs, and aligning data collection with the specific goals of London e-commerce businesses. 2. Tailoring Analytics to London Market Trends Here, the focus is on tailoring analytics solutions to capture and interpret data that is directly relevant to the ever-evolving market trends of London. A WooCommerce agency in London customizes analytics approaches to provide actionable insights for businesses in the local market. Key Metrics and KPIs for London E-commerce Success 3. Conversion Rate Optimization (CRO): Turning Clicks into Transactions This point explores the pivotal role of Conversion Rate Optimization (CRO) in London e-commerce. It delves into how a WooCommerce agency in London optimizes the conversion rate by refining the checkout process, analyzing user journeys, and enhancing the overall user experience to maximize sales. 4. Customer Lifetime Value (CLV): Fostering Long-Term Relationships The focus here is on the importance of Customer Lifetime Value (CLV) analytics. It explains how a WooCommerce agency in London helps businesses identify high-value customers, tailor marketing strategies, and foster long-term relationships for sustained success. WooCommerce Analytics Tools and Implementations 5. Google Analytics Integration for Comprehensive Insights This point delves into the integration of Google Analytics with WooCommerce. It explains how a WooCommerce agency in London guides businesses through the integration process, utilizing Google Analytics to gain comprehensive insights into user behavior, traffic sources, and website performance. 6. Custom Reports and Dashboards: Tailoring Insights for London Businesses Here, the emphasis is on the creation of custom reports and dashboards by a WooCommerce agency in London. These tailored insights provide businesses with specific information relevant to their products, target audience, and market trends, enhancing decision-making accuracy. Analyzing User Behavior for Enhanced User Experience 7. Heatmaps and User Flow Analysis: Optimizing the Customer Journey This point explores the use of heatmaps and user flow analysis to optimize the customer journey in London e-commerce. A WooCommerce agency in London employs these tools to uncover patterns, identify bottlenecks, and make strategic adjustments for a seamless user experience. 8. Abandoned Cart Analysis: Recovering Lost Opportunities This section discusses the significance of abandoned cart analysis. It explains how a WooCommerce agency in London utilizes analytics to understand the reasons behind cart abandonment and implements targeted strategies to recover potentially lost sales through personalized retargeting campaigns.

DIGITAL ASSET FRAUD EXPERT KNOWN AS GEARHEAD ENGINEERS Growing up on a farm instilled in me a strong work ethic and a deep appreciation for the simple, yet demanding, rhythms of rural life. However, my aspirations always lay beyond the fields and barns of my upbringing. I yearned for something different, something that blended the new-age economy with the values I held dear. That path led me unexpectedly into the world of cryptocurrencies. I began my journey with an intense period of self-education. As a farmer's son, resources were not handed to me; I had to cultivate them myself. This drive to learn and adapt was pivotal when I chose to skip college, a decision that weighed heavily on my parents but felt right to me. Instead, I meticulously built and maintained a perfect credit score, which eventually allowed me to secure a $50,000 loan from the bank to start my own business. Rather than pursue a traditional route, I invested the entire sum into Bitcoin. This was in the early days of crypto's surge, a time both ripe with opportunity and fraught with risk.Remarkably, within just six months, my investment blossomed into $200,000. It felt like a vindication of my risky strategy and a testament to the potential of cryptocurrencies. Yet, as often happens in the volatile world of digital finance, my initial success caught the attention of less scrupulous parties. I was scammed out of $20,000, a severe blow that not only threatened my financial stability but also my confidence in the venture I had embarked upon. The situation worsened when I realized that the rest of my funds were also at risk.In my search for solutions, I stumbled upon GearHead Engineers experts. Skeptical yet desperate, I reached out to them, hoping that they could help secure what was left of my digital assets. The team at GearHead Engineers was incredibly professional and deeply understanding of the nuances of cryptocurrency security. They guided me through the process of securing my accounts and recovering what could be salvaged from the scam. Thanks to GearHead Engineers, not only was I able to secure my existing wallets, but I also implemented enhanced security measures to protect against future attacks. The experience was sobering but ultimately educational, reinforcing the importance of security in digital transactions and the need for vigilance in an increasingly connected world. This ordeal has taught me more than I could have learned in any classroom. It tested my resolve, challenged my understanding of digital finance, and forced me to confront the realities of engaging in high-risk investments. With my accounts now secure, I am cautiously optimistic about the future. My journey from a farmer’s son to a crypto investor has been unconventional but is a testament to the power of resilience and the importance of adapting to new opportunities while safeguarding one's investments.

When I first started engaging in opportunities from the cryptocurrency world, I was full of excitement and anticipation. I had heard tales of individuals who had transformed their lives overnight by making smart investments in Bitcoin and other digital currencies. Little did I know that this same realm also harbored a darker side, rife with scammers waiting to prey on unsuspecting newcomers like me. I was one of those unfortunate souls who fell for a cryptocurrency mining investment hoax that ended up costing me a life-altering sum of 351,000 dollars. It all started with an email, much like any other day. The sender claimed to be the head of a reputable cryptocurrency mining operation, promising ludicrously high returns on investment within a short timeframe. In my naivety, I was swept away by the allure of quick wealth and the prospect of a financially secure future. After weeks of 'due diligence' and 'background checks' that I later realized were just part of their elaborate scam, I transferred my Bitcoin into what I thought was a secure investment fund. It didn't take long for my suspicions to arise when I failed to receive any updates or returns, and my attempts to contact the supposed investment firm were met with silence. Feeling utterly duped and devastated, I turned to the internet in search of a solution. That's where I found Grayhathacks Contractor, a name that stood out amidst a sea of many recovery services. What impressed me was their commitment to transparency and ethical hacking. They claimed to be a group of cybersecurity experts who had turned their skills to fighting back against the very criminals who had once been their peers. With nothing to lose and hope fading fast, I reached out to them, detailing my tragic story. They laid out a plan to trace the Bitcoin transactions, infiltrate the scammers' network, and attempt to recover my funds. The process was meticulous and thorough. They kept me informed every step of the way, explaining the complexities of the Bitcoin blockchain and the tactics they would employ to trace the stolen funds. They assured me that they had faced similar challenges before and had developed advanced tools and strategies to combat these types of thefts. Within a week of engaging their services, I received a notification that a large sum of my Bitcoin had been recovered. I couldn't believe my eyes! I got back 325,000$ worth of my crypto back. My initial skepticism had been replaced by a wave of relief and gratitude. The team at Grayhathacks Contractor truly went above and beyond. Their expertise in the realm of cryptocurrency recovery is unparalleled. They turned what could have been a life-ruining event into a learning experience and a testament to the power of hope and perseverance. If I ever find myself in such a dire situation again (and I pray I never do), I wouldn't think twice about re-hiring Grayhathacks Contractor. If ever in need email them at grayhathacks@contractor.net

Because if analytics are people, as I stated early on, it stands to reason that transactions are relationships.

We expose our most sensitive personal information any time we Pick up a phone, respond to a text, click on a link, or carelessly provide personal information to someone we don’t know; Fail to properly secure computers or devices; Create easy-to-crack passwords; Discard, rather than shred, documents that contain PII; Respond to an email that directs us to call a number we can’t independently confirm, or complete an attachment that asks for our PII in an insecure environment; Save our user ID or password on a website or in an app as a shortcut for future logins; Use the same user ID or password throughout our financial, social networking, and email universes; Take [online] quizzes that subtly ask for information we’ve provided as the answers to security questions on various websites. Snap pictures with our smartphone or digital camera without disabling the geotagging function; Use our email address as a user name/ID, if we have the option to change it; Use PINS like 1234 or a birthday; Go twenty-four hours without reviewing our bank and credit card accounts to make absolutely sure that every transaction we see is familiar; Fail to enroll in free transactional monitoring programs offered by banks, credit unions, and credit card providers that notify us every time there is any activity in our accounts; Use a free Wi-Fi network [i.e. cafés or even airports] without confirming it is correctly identified and secure, to check email or access financial services websites that contain our sensitive data.

Personal Thinking Blockchains More speculatively for the farther future, the notion of blockchain technology as the automated accounting ledger, the quantized-level tracking device, could be extensible to yet another category of record keeping and administration. There could be “personal thinking chains” as a life-logging storage and backup mechanism. The concept is “blockchain technology + in vivo personal connectome” to encode and make useful in a standardized compressed data format all of a person’s thinking. The data could be captured via intracortical recordings, consumer EEGs, brain/computer interfaces, cognitive nanorobots, and other methodologies. Thus, thinking could be instantiated in a blockchain — and really all of an individual’s subjective experience, possibly eventually consciousness, especially if it’s more precisely defined. After they’re on the blockchain, the various components could be administered and transacted — for example, in the case of a post-stroke memory restoration. Just as there has not been a good model with the appropriate privacy and reward systems that the blockchain offers for the public sharing of health data and quantified-self-tracking data, likewise there has not been a model or means of sharing mental performance data. In the case of mental performance data, there is even more stigma attached to sharing personal data, but these kinds of “life-streaming + blockchain technology” models could facilitate a number of ways to share data privately, safely, and remuneratively. As mentioned, in the vein of life logging, there could be personal thinking blockchains to capture and safely encode all of an individual’s mental performance, emotions, and subjective experiences onto the blockchain, at minimum for backup and to pass on to one’s heirs as a historical record. Personal mindfile blockchains could be like a next generation of Fitbit or Apple’s iHealth on the iPhone 6, which now automatically captures 200+ health metrics and sends them to the cloud for data aggregation and imputation into actionable recommendations. Similarly, personal thinking blockchains could be easily and securely recorded (assuming all of the usual privacy concerns with blockchain technology are addressed) and mental performance recommendations made to individuals through services such as Siri or Amazon’s Alexa voice assistant, perhaps piped seamlessly through personal brain/computer interfaces and delivered as both conscious and unconscious suggestions. Again perhaps speculatively verging on science fiction, ultimately the whole of a society’s history might include not just a public records and document repository, and an Internet archive of all digital activity, but also the mindfiles of individuals. Mindfiles could include the recording of every “transaction” in the sense of capturing every thought and emotion of every entity, human and machine, encoding and archiving this activity into life-logging blockchains.

A digital-ready CIO is a visionary and transformational leader, not just a transactional manager, for the long term.

In the very first recorded transaction of Bitcoin for United States dollars, Martti sent NewLibertyStandard 5,050 Bitcoins to use for seeding the new exchange. In return, Martti got $5.02 by PayPal.

China’s O2O explosion gave its companies tremendous data on the offline lives of their users: the what, where, and when of their meals, massages, and day-to-day activities. Digital payments cracked open the black box of real-world consumer purchases, giving these companies a precise, real-time data map of consumer behavior. Peer-to-peer transactions added a new layer of social data

Several business sectors, companies in healthcare, financial services, agriculture, as well as other entrepreneurs and solopreneurs are rushing to adopt the blockchain technology and secure their financial transactions to provide a clear record book among individuals with the digital coin’s technology, “cryptocurrency.” Meanwhile, many of these businesses are doing so basically because of the fear of being left behind (FOMO), without having crystal understanding about the basics of blockchain technology and how it should be applied to optimize their business performances.

It’s possible to build a single, complete customer view. Organizations have always had a lot of data about their customers — personal details, transaction details, communications, and interactions with the organization. But the data could be locked in various legacy systems, duplicated, fragmented, and inconsistent.

If only we had a single view of the customer: top of funnel, bottom of funnel, as well as their complete history with the company. Not only what they purchased, but also what they did on our site, what they browsed, searched for, their credit card transactions, repair history … There’s so much potential!

If your account is debited but the transaction does not go through, SBI provides for real-time reversals for technical declines and amount would be transferred back to your account immediately. In case the amount is not reversed, you can raise a dispute through SBI YONO LITE app itself. If your account is debited but the transaction does not go through, SBI provides for real-time reversals for technical declines and amount would be transferred back to your account immediately. In case the amount is not reversed, you can raise a dispute through SBI YONO LITE app itself. One of the major advantages of the facility is that the customer need not register the beneficiary in order to transfer funds. However, in case of sending money using beneficiary’s Virtual ID, the beneficiary should mandatorily be registered with UPI. In case of payment through Account number +IFSC or Aadhaar number, the beneficiary need not be registered for UPI. When this happens, your funds will instantly be returned to your Cash App balance or linked bank account. If not, they should be available within 1–3 business days, depending on your bank. I got my ID approved and added my debit card as well as my bank as a backup. However, neither of them are working as well as another credit card I've tried when I try to load cash onto the app. Every time I try to add cash in order to buy BTC, it gives me the error "This transfer failed" but does not give me an explanation. I got my ID approved and added my debit card as well as my bank as a backup. However, neither of them are working as well as another credit card I've tried when I try to load cash onto the app. Every time I try to add cash in order to buy BTC, it gives me the error "This transfer failed" but does not give me an explanation.Does anyone know why this may be happening? Could it possibly be related to the fact that my physical square cash debit card has not arrived yet?I contacted support and got this response: "Thank you for your reply. I’m very sorry you’re unable to Add Cash right now. We’re rolling out this feature to more customers, keep an eye out for updates to the app!In the meantime, rest assured that you can still send funds directly from your debit card."I am unsure what exactly he means by this, because I cannot rest assured as I am not able to send funds from my debit card or by any other method. Help? According to recent statements by the company, there are more than 7 million Cash App users and with such a large base of users, there are some common Cash App problems. Payments failed on Cash App is one of such issues that users face. If your Cash App failed to send money and wondering why does my Cash App transfer keep failing then there is no need to worry you can fix Cash App transfer failed issue. You must read this blog to resolve Cash App transfer failed and follow some easy steps. Samuel Earney Login to follow Square's Cash App is a peer-to-peer payment app that allows you to send and receive money with friends and family, without any requirement of cash on hand. Cash App is the most secure payment gate away. When someone sends you money on the Cash App, then it is a virtual currency and stays in the app. If you have an activated Cash App Card, you can use it as a debit card and spend your balance anywhere that accepts Visa. The Cash app direct deposit feature was recently added to make its deposit features more accessible and the use of this app can certainly speed up the process for people unable to access bank accounts. Cash App allows you to directly deposit your paycheck into your Cash App account, invest the funds in your account balance, and use the Cash Card to make purchases. Cash App is not just a peer to peer digital payment application it is essentially a full-fledged financial tool.

Bitcoin or other digital currency isn’t saved in a file somewhere; it’s represented by transactions recorded in a blockchain—kind of like a global spreadsheet or ledger, which leverages the resources of a large peer-to-peer bitcoin network to verify and approve each bitcoin transaction.

However, despite the enormous digital territory and huge number of Internet users, only a few users of what is called the “Surface Web” are aware of or actively observe what goes on in quite a different layer of the Internet. The data stored in another layer are not accessible to the majority of users. This is called “The Deep Web,” which is data traffic not picked up by the algorithms of search engines. Then, there is the “Dark Web,” where sites are intentionally encrypted and usually accessed by someone knowledgeable about how to find and get onto such sites. Typically, these sites are engaging in forbidden activities ranging from drug sales to weapons or hitman transactions. In order to see the sites on the “Dark Web,” a user must have a specialized browser like Tor, The Onion Router.

Digital organizations today have to strike the right balance of being transactional to keep spinning and being transformational to make a leap.

if we become too obsessed with privacy, we could lose opportunities to make connections in this age of links. The link is a profound invention. Links don’t just connect us to web pages, they also allow us to connect to each other, to information, to actions, and to transactions. Links help us organize into new societies and redefine our publics.

A transformation often needs to break down the outdated rules, and a transaction is following the rules.

We all agree that the main concept of ​​a metasearch engine is to compare and find the best rates, right? Well, we may be wrong. Up until only 10 years ago, there were dozens of OTAs, each one specialized in a niche market. But, over the years, these OTAs have been acquired, integrated or simply merged under Booking and Expedia's brands. Today, digital distribution is, de facto, a duopoly. And with only two OTAs sharing almost 100% of online transactions, what exactly a metasearch engine should do?

Transactional capabilities keep the lights on, but transformative capabilities make the organization stand out.

Today successful companies start with the customer. They recognize that customers spend their time across many channels, and wherever those customers are, that’s where they should be meeting their customers’ needs. And the more information you can learn about the customer, the better you can serve their needs, and the more valuable the relationship becomes. That’s digital transformation: from linear transactional channels to a circular, dynamic relationship with your subscriber.

In the past, businesses were built on the brick and mortar model, transactions were done in triplicate, using carbon paper, and success was based on educational background and certificates. Fast forward to today. The internet, connectivity and emerging technologies have completely changed the game. To compete and survive in this new era requires a disruptive approach.

Vietnam wants retail to be 90 percent cashless by 2020. Sweden, where over 80 percent of all transactions are digital, is almost there.

Regrettably, hackers are now focusing their efforts on Bitcoin, the virtual money that has completely revolutionized the financial industry. Because of its rising market value and popularity, Bitcoin theft is becoming a major problem for both individuals and companies. This is where SACLUX COMPTECH SPECIALST experience is useful. Getting back stolen Bitcoin is a difficult endeavor. Transactions with cryptocurrencies are by their nature complicated, requiring numerous addresses, decentralized networks, and sophisticated encryption techniques. These elements make it very difficult to track down and recover funds that have been stolen. But SACLUX COMPTECH SPECIALST is a master at negotiating these obstacles and uses creative tactics to track down the robbers. Cryptocurrency theft investigation calls for a certain set of abilities and knowledge. It entails looking for unusual patterns in blockchain transactions, evaluating them, and tracking the stolen money to different addresses. The staff at SACLUX COMPTECH SPECIALST use new technologies and methods to locate and retrieve Bitcoin that has been stolen. They have a thorough understanding of the inner workings of blockchain technology. The foundation of cryptocurrencies like Bitcoin, blockchain technology, is essential to recovery efforts. Investigators can track the flow of stolen money because of the blockchain's thorough audit record of transactions, which is made possible by its transparency and immutability. By using advanced technologies to track and analyze the movements of Bitcoin that have been stolen, SACLUX COMPTECH SPECIALST takes advantage of this technological advancement. One of the top companies for recovering Bitcoin that has been stolen is SACLUX COMPTECH SPECIALST. To help victims recover their priceless digital possessions, their team of experts combines their expertise in cybercrime and cryptocurrencies. SACLUX COMPTECH SPECIALST has established a brilliant reputation in the field thanks to its extraordinary skill and professionalism. With a staff of very talented individuals, SACLUX COMPTECH SPECIALST is well-versed in forensics, cybersecurity, and cryptocurrencies. They make sure their clients receive the best service possible by being committed to keeping up with the newest industry trends and approaches.

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WhatsApp info:+12 723 328 343 Email info: Adware recovery specialist@ auctioneer. net When I discovered that my girlfriend was attempting to gain unauthorized access to my cryptocurrency wallet, I was thrust into a nightmarish situation. Her attempts included changing the PIN and even deleting the wallet, which contained $500,000 worth of Bitcoin. Thankfully, I had anticipated potential threats and had managed to change the PIN just in time, preventing her from accessing or stealing my assets. Despite my quick response, the ordeal left me feeling extremely vulnerable and distressed. In search of help, I turned to ADWARE RECOVERY SPECIALIST, a service highly recommended by a trusted friend. From the moment I contacted them, their team demonstrated exceptional support and empathy. They listened to my situation with understanding and assured me that they had the expertise needed to recover my stolen funds and restore my wallet. ADWARE RECOVERY SPECIALIST embarked on an exhaustive investigation into the unauthorized access and the subsequent deletion of my wallet. Their thorough approach involved delving into the complexities of digital transactions to track and trace the attempted breaches. The technical expertise and dedication of their team were evident as they worked diligently to reclaim my assets. Within a matter of weeks, ADWARE RECOVERY SPECIALIST achieved what seemed like an impossible task: they successfully recovered the entire wallet and restored all my Bitcoin. The immense relief and gratitude I experienced were beyond words. The fear of losing such a substantial amount was replaced with a sense of security and control, thanks to their effective intervention. Beyond recovering my assets,  ADWARE RECOVERY SPECIALIST offered crucial advice on how to enhance the security of my digital holdings. Their guidance included practical steps for securing my wallet and implementing additional protections to prevent future breaches. Their recommendations were thorough and designed to strengthen my defenses against any potential threats. The commitment and compassion shown by ADWARE RECOVERY SPECIALIST were truly remarkable. They transformed what could have been a devastating loss into a story of successful recovery and resilience. Their expertise not only restored my assets but also equipped me with the knowledge to better safeguard them in the future.I recommend  ADWARE RECOVERY SPECIALIST  to anyone facing similar challenges. Their ability to navigate the complexities of cryptocurrency recovery and their compassionate support make them invaluable in times of crisis. They proved to be dedicated professionals capable of turning a dire situation into a success story. my experience underscored the vulnerabilities associated with digital assets and the importance of having reliable support when problems arise. ADWARE RECOVERY SPECIALIST role in my recovery process was pivotal, and their expert guidance and support were crucial in overcoming this ordeal. If you find yourself in a similar predicament, do not hesitate to contact them. Their professionalism and empathy make them a vital resource for those navigating the complex world of digital security.

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The Importance of Bookkeeping Services for Businesses Effective bookkeeping is the foundation of any successful business. It involves the systematic recording, organizing, and managing of a company’s financial transactions. Whether you're a small business owner or running a large corporation, bookkeeping services help ensure that your financial records are accurate, up-to-date, and compliant with regulations. By outsourcing bookkeeping tasks to professionals, businesses can focus on growth and core operations without worrying about financial details. What Is Bookkeeping? Bookkeeping is the process of maintaining accurate records of all financial transactions, including sales, purchases, receipts, and payments. It involves organizing these records into categories like income, expenses, assets, and liabilities. The information generated through bookkeeping is essential for creating financial statements, tax filings, and understanding the overall financial health of the business. However, managing these tasks manually can be time-consuming and prone to errors, which is why many businesses opt for professional bookkeeping services. Benefits of Professional Bookkeeping Services One of the key benefits of hiring professional bookkeeping services is the accuracy they bring to financial management. Experienced bookkeepers are well-versed in the latest accounting software and financial regulations, ensuring that all records are kept accurately and consistently. Additionally, outsourcing this task allows business owners to save time and focus on other aspects of their business. As a result, they can make better financial decisions based on reliable data. Improved Financial Reporting Accurate bookkeeping leads to better financial reporting, which is critical for making informed business decisions. By keeping detailed and organized records, bookkeepers provide valuable insights into cash flow, profitability, and expenses. This allows businesses to plan their budgets more effectively, track financial performance, and identify areas for cost-saving or investment. Tax Compliance and Preparation Another important advantage of bookkeeping services is the ability to stay compliant with tax regulations. Bookkeepers ensure that all financial records are properly maintained and ready for tax season. With accurate and up-to-date records, businesses can avoid penalties and reduce the risk of audits, making tax preparation much smoother. In conclusion, professional bookkeeping services offer businesses the support they need to manage their financial records accurately and efficiently. By ensuring proper financial reporting and tax compliance, these services contribute to long-term financial stability and growth.

The Importance of Bookkeeping Services for Doctors Managing the financial side of a medical practice can be challenging for doctors, as they are often focused on providing quality patient care. However, maintaining accurate financial records is essential for the success of any healthcare practice. Bookkeeping services tailored specifically for doctors help ensure that their financial transactions are organized, compliant, and manageable, allowing them to focus on what they do best—caring for patients. Why Doctors Need Specialized Bookkeeping Services Doctors face unique financial complexities, such as billing for medical services, managing insurance claims, handling payroll for staff, and keeping track of medical supplies and equipment. Additionally, they must ensure compliance with healthcare regulations and tax laws. Professional bookkeeping services designed for doctors take these unique needs into account, helping physicians streamline their financial operations. As a result, they can avoid errors, reduce administrative burdens, and improve cash flow. Accurate Billing and Cash Flow Management One of the key challenges doctors face is managing billing and cash flow. With a constant flow of patients and complex insurance claims, maintaining an accurate record of all transactions is essential. Bookkeeping services ensure that billing is handled efficiently, minimizing delays in receiving payments. This service also helps manage insurance claims, reducing errors that could lead to delayed reimbursements. By keeping track of revenue and expenses, bookkeepers ensure that doctors maintain a healthy cash flow. Tax Compliance and Planning Doctors often qualify for specific tax deductions related to medical equipment, staff salaries, and office expenses. However, navigating the complexities of healthcare tax regulations can be difficult. Bookkeeping services help doctors stay compliant by keeping their financial records organized and accurate, making it easier to file taxes and take advantage of available deductions. Additionally, bookkeepers can assist in planning for tax obligations throughout the year, ensuring that there are no surprises during tax season. Financial Reporting for Growth Bookkeeping services also provide doctors with valuable financial reports that offer insights into their practice’s performance. By analyzing income, expenses, and cash flow trends, doctors can make more informed decisions about expanding services, hiring staff, or investing in new equipment. These reports give a clear picture of the financial health of the practice, enabling better long-term planning. In conclusion, specialized bookkeeping services for doctors are essential for maintaining accurate financial records, ensuring tax compliance, and improving cash flow. By outsourcing bookkeeping tasks, doctors can focus more on patient care while gaining peace of mind that their financials are in order.

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WhatsApp info:+12 723 328 343 Email info: Adware recovery specialist@ auctioneer. net When I discovered that my girlfriend was attempting to gain unauthorized access to my cryptocurrency wallet, I was thrust into a nightmarish situation. Her attempts included changing the PIN and even deleting the wallet, which contained $500,000 worth of Bitcoin. Thankfully, I had anticipated potential threats and had managed to change the PIN just in time, preventing her from accessing or stealing my assets. Despite my quick response, the ordeal left me feeling extremely vulnerable and distressed. In search of help, I turned to ADWARE RECOVERY SPECIALIST, a service highly recommended by a trusted friend. From the moment I contacted them, their team demonstrated exceptional support and empathy. They listened to my situation with understanding and assured me that they had the expertise needed to recover my stolen funds and restore my wallet. ADWARE RECOVERY SPECIALIST embarked on an exhaustive investigation into the unauthorized access and the subsequent deletion of my wallet. Their thorough approach involved delving into the complexities of digital transactions to track and trace the attempted breaches. The technical expertise and dedication of their team were evident as they worked diligently to reclaim my assets. Within a matter of weeks, ADWARE RECOVERY SPECIALIST achieved what seemed like an impossible task: they successfully recovered the entire wallet and restored all my Bitcoin. The immense relief and gratitude I experienced were beyond words. The fear of losing such a substantial amount was replaced with a sense of security and control, thanks to their effective intervention. Beyond recovering my assets,  ADWARE RECOVERY SPECIALIST offered crucial advice on how to enhance the security of my digital holdings. Their guidance included practical steps for securing my wallet and implementing additional protections to prevent future breaches. Their recommendations were thorough and designed to strengthen my defenses against any potential threats. The commitment and compassion shown by ADWARE RECOVERY SPECIALIST were truly remarkable. They transformed what could have been a devastating loss into a story of successful recovery and resilience. Their expertise not only restored my assets but also equipped me with the knowledge to better safeguard them in the future. I recommend  ADWARE RECOVERY SPECIALIST  to anyone facing similar challenges. Their ability to navigate the complexities of cryptocurrency recovery and their compassionate support make them invaluable in times of crisis. They proved to be dedicated professionals capable of turning a dire situation into a success story. my experience underscored the vulnerabilities associated with digital assets and the importance of having reliable support when problems arise. ADWARE RECOVERY SPECIALIST role in my recovery process was pivotal, and their expert guidance and support were crucial in overcoming this ordeal. If you find yourself in a similar predicament, do not hesitate to contact them. Their professionalism and empathy make them a vital resource for those navigating the complex world of digital security.