Morgan Stanley, a bank holding company, provides diversified financial services on a worldwide basis. The Company operates a global securities business which serves individual and institutional investors and investment banking clients. Morgan Stanley also operates a global asset management business.

Morgan Stanley

morganstanley

Ex-Morgan Stanley advisors are fighting the bank for deferred compensation. One case has opened the floodgates to more suits across Wall Street.

Why Wall Street's biggest wealth managers could face an avalanche of lawsuits thanks to one judge's ruling

The US Federal Reserve is on track to cut interest rates in June, according to Ellen Zentner, chief US economist at Morgan Stanley.

Fed on Track to Cut in June, Morgan Stanley’s Zentner Says - Bloomberg

With the approval of ETF in the United States and the strong purchases by investment banks such as Morgan Stanley and Rockefeller, Bitcoin has not only soared in price, but has also successfully transformed into a currency recognized and supported by the U.S. government. This gives Bitcoin investors complete confidence. Anyone with investment experience knows that although you can make money quickly through financial means, this requires extremely rich knowledge reserves and market experience, and not everyone can get started.Bitcoin, in particular, has such a high volatility. And it is an investment target that all major capitals are competing to pursue. As the world's largest Bitcoin miner, Simpleminers is committed to deploying the world's leading computing facilities (accounting for approximately 3.5% of the global Bitcoin computing power) and mining algorithms.We are also actively contributing to facilitate more people to participate in Bitcoin investment and stabilize the Bitcoin investment environment. Recently, Simpleminers has developed a "one-click investment" business for Bitcoin mining through model innovation. Through this business, Simpleminers can deploy greater computing power to maintain global computing power leadership and ensure that the company's overall revenue can remain at a high level after the Bitcoin halving event;It can also greatly reduce the capital scale, knowledge reserve and investment experience requirements for everyone to participate in Bitcoin investment. This will be the most noteworthy feat for investors in 2024. What is Simpleminers’ “One Click Investing” Business? This is an investment project in which investors participate in Bitcoin mining by purchasing computing power contracts. In order to facilitate investors, Simpleminers has added a "one-click purchase" function to the computing power contract, making the operation extremely simple and convenient. When the contract purchase is successful, investors only need to wait for the contract to expire and then get back their principal and income. Since the halving event is about to happen in the near future, and after the halving event, mergers and acquisitions of Bitcoin miners will inevitably occur. Therefore, in order to gain the upper hand and ensure more advantages in merger and acquisition adjustments, Simpleminers decided to make huge benefits to participants who joined the "one-click investment". Specific performance is as follows: You can make money by registering. Because you get $10 for free when you sign up, you can also get $0.3 of daily interest income by using this $10 to purchase contracts.
You can earn more by purchasing contracts. Simpleminers has launched a variety of computing power contracts with daily interest rates as high as 3%.
For example, the following contract pays daily interest: Contract computing power

Contract cycle

Contract price

Daily interest rate

Total earnings to maturity



Antminer L7       9.05GH/S

2day

$100

3%

$100+$6=$106



Antminer S17 Pro    73TH/S

3day

$300

1.15%

$300+$10.35=310.35



Antminer S17+       76TH/S

7day

$500

1.2%

$500+$42=$542



AvalonMiner A1246   85TH/S

15day

$1000

1.3%

$1000+$195=$1195 (The computing power value of the contract is different, the investment amount and period are different, and the income is also different. For more contracts, please log in to the Simpleminers official website to view) Investment case: With an investment amount of $10,000, you can purchase a contract of Whatminer M30S+ 100TH/S worth $10,000 with a 50-day cycle. The daily interest rate for this contract is 1.65%. After purchase, the amount of investment income you can earn every day = $100001.65%=$165.
After 50 days, your principal and income = $10000+$16550=$10000+$8250=$18250
3.Recharge and get cash back. Recharge $3,000 and get $30 cash back; recharge $10,000 and get $200 cash back. The more you recharge, the more cashback you get. Want To Earn More? Simpleminers also has another way to make money: the affiliate program. Invite your friends to make money at Simpleminers and you can get a cash reward of 3% of their investment; If your friends invite their friends to invest again, you can also get a cash reward of 1% of their investment amount. For example, if you invite some friends to make money on Simpleminers and they invest $300,000, you will receive a cash reward of $9,000. If your friend invites some more people and they invest $100,000, you will also receive a $1,000 cash reward. Why Do Simpleminers give such high returns? Because when the computing power is leading, the profits of miners are indeed very high. With your joining, we will make money faster. We are willing to sacrifice short-term gains in exchange for longer-term, high-speed earning power. If you want to participate in our money-making business, please operate through our official website Simpleminers.com or download our mobile APP, download address: please click here. This story was distributed as a release by Btcwire under HackerNoon’s Business Blogging Program. Learn more about the program here. With the approval of ETF in the United States and the strong purchases by investment banks such as Morgan Stanley and Rockefeller, Bitcoin has not only soared in price, but has also successfully transformed into a currency recognized and supported by the U.S. government. This gives Bitcoin investors complete confidence. Anyone with investment experience knows that although you can make money quickly through financial means, this requires extremely rich knowledge reserves and market experience, and not everyone can get started.Bitcoin, in particular, has such a high volatility. And it is an investment target that all major capitals are competing to pursue. As the world's largest Bitcoin miner, Simpleminers is committed to deploying the world's leading computing facilities (accounting for approximately 3.5% of the global Bitcoin computing power) and mining algorithms.We are also actively contributing to facilitate more people to participate in Bitcoin investment and stabilize the Bitcoin investment environment. Recently, Simpleminers has developed a "one-click investment" business for Bitcoin mining through model innovation. Through this business, Simpleminers can deploy greater computing power to maintain global computing power leadership and ensure that the company's overall revenue can remain at a high level after the Bitcoin halving event;It can also greatly reduce the capital scale, knowledge reserve and investment experience requirements for everyone to participate in Bitcoin investment. This will be the most noteworthy feat for investors in 2024. What is Simpleminers’ “One Click Investing” Business? This is an investment project in which investors participate in Bitcoin mining by purchasing computing power contracts. In order to facilitate investors, Simpleminers has added a "one-click purchase" function to the computing power contract, making the operation extremely simple and convenient. When the contract purchase is successful, investors only need to wait for the contract to expire and then get back their principal and income. Since the halving event is about to happen in the near future, and after the halving event, mergers and acquisitions of Bitcoin miners will inevitably occur. Therefore, in order to gain the upper hand and ensure more advantages in merger and acquisition adjustments, Simpleminers decided to make huge benefits to participants who joined the "one-click investment". Specific performance is as follows: You can make money by registering. Because you get $10 for free when you sign up, you can also get $0.3 of daily interest income by using this $10 to purchase contracts. You can earn more by purchasing contracts. Simpleminers has launched a variety of computing power contracts with daily interest rates as high as 3%.
For example, the following contract pays daily interest: You can make money by registering. Because you get $10 for free when you sign up, you can also get $0.3 of daily interest income by using this $10 to purchase contracts. You can earn more by purchasing contracts. Simpleminers has launched a variety of computing power contracts with daily interest rates as high as 3%.
For example, the following contract pays daily interest: Contract computing power

Contract cycle

Contract price

Daily interest rate

Total earnings to maturity



Antminer L7       9.05GH/S

2day

$100

3%

$100+$6=$106



Antminer S17 Pro    73TH/S

3day

$300

1.15%

$300+$10.35=310.35



Antminer S17+       76TH/S

7day

$500

1.2%

$500+$42=$542



AvalonMiner A1246   85TH/S

15day

$1000

1.3%

$1000+$195=$1195 Contract computing power

Contract cycle

Contract price

Daily interest rate

Total earnings to maturity Antminer L7       9.05GH/S

2day

$100

3%

$100+$6=$106 Antminer S17 Pro    73TH/S

3day

$300

1.15%

$300+$10.35=310.35 Antminer S17+       76TH/S

7day

$500

1.2%

$500+$42=$542 AvalonMiner A1246   85TH/S

15day

$1000

1.3%

$1000+$195=$1195 Contract computing power Contract cycle Contract price Daily interest rate Total earnings to maturity Contract computing power Contract computing power Contract computing power Contract cycle Contract cycle Contract cycle Contract price Contract price Contract price Daily interest rate Daily interest rate Daily interest rate Total earnings to maturity Total earnings to maturity Total earnings to maturity Antminer L7       9.05GH/S 2day $100 3% $100+$6=$106 Antminer L7       9.05GH/S Antminer L7       9.05GH/S 2day 2day $100 $100 3% 3% $100+$6=$106 $100+$6=$106 Antminer S17 Pro    73TH/S 3day $300 1.15% $300+$10.35=310.35 Antminer S17 Pro    73TH/S Antminer S17 Pro    73TH/S 3day 3day $300 $300 1.15% 1.15% $300+$10.35=310.35 $300+$10.35=310.35 Antminer S17+       76TH/S 7day $500 1.2% $500+$42=$542 Antminer S17+       76TH/S Antminer S17+       76TH/S 7day 7day $500 $500 1.2% 1.2% $500+$42=$542 $500+$42=$542 AvalonMiner A1246   85TH/S 15day $1000 1.3% $1000+$195=$1195 AvalonMiner A1246   85TH/S AvalonMiner A1246   85TH/S 15day 15day $1000 $1000 1.3% 1.3% $1000+$195=$1195 $1000+$195=$1195 (The computing power value of the contract is different, the investment amount and period are different, and the income is also different. For more contracts, please log in to the Simpleminers official website to view) (The computing power value of the contract is different, the investment amount and period are different, and the income is also different. For more contracts, please log in to the Simpleminers official website to view) website Investment case: With an investment amount of $10,000, you can purchase a contract of Whatminer M30S+ 100TH/S worth $10,000 with a 50-day cycle. The daily interest rate for this contract is 1.65%. After purchase, the amount of investment income you can earn every day = $10000 1.65%=$165.
After 50 days, your principal and income = $10000+$165 50=$10000+$8250=$18250
3.Recharge and get cash back. Recharge $3,000 and get $30 cash back; recharge $10,000 and get $200 cash back. The more you recharge, the more cashback you get. 1.65%=$165.
After 50 days, your principal and income = $10000+$165 Want To Earn More? Simpleminers also has another way to make money: the affiliate program. Invite your friends to make money at Simpleminers and you can get a cash reward of 3% of their investment; If your friends invite their friends to invest again, you can also get a cash reward of 1% of their investment amount. For example, if you invite some friends to make money on Simpleminers and they invest $300,000, you will receive a cash reward of $9,000. If your friend invites some more people and they invest $100,000, you will also receive a $1,000 cash reward. Why Do Simpleminers give such high returns? Because when the computing power is leading, the profits of miners are indeed very high. With your joining, we will make money faster. We are willing to sacrifice short-term gains in exchange for longer-term, high-speed earning power. If you want to participate in our money-making business, please operate through our official website Simpleminers.com or download our mobile APP, download address: please click here . Simpleminers.com please click here This story was distributed as a release by Btcwire under HackerNoon’s Business Blogging Program. Learn more about the program here. This story was distributed as a release by Btcwire under HackerNoon’s Business Blogging Program. Learn more about the program here. here. here.

Simpleminers Model Innovation: "One-Click Investment" 

84 Stories To Learn About Finance And Banking

There are few Wall Street performers as relentlessly innovative and impressive as Apple, but following a 3.3% slide and analyst downgrades, is AAPL no longer ripe for picking up and adding to investor portfolios? Apple’s challenging start to 2024 occurred when Barclays to ‘underweight’, slightly trimming the stock’s price target from $161 to $160. downgraded the tech giant’s stock The news came as a result of anticipated “lackluster” iPhone sales for the firm’s iPhone 15 model, with little optimism for fresh innovations packed into the upcoming launch of iPhone 16, scheduled for Q3 2024. “We are still picking up weakness on iPhone volumes and mix, as well as a lack of bounce-back in Macs, iPads and wearables,” explained Barclays analyst . Tim Long With unconfirmed reports of the Chinese government forbidding state employees from using iPhones, amid other general instances of more widespread regulatory scrutiny, it’s clear that the outlook for Apple has suffered a blow in recent months. from Bloomberg Apple’s status as an underweight stock means that the tech giants have now picked up five sell or equivalent ratings from analysts, according to Bloomberg data. With 34 buy ratings and 14 holds, AAPL’s stock recommendation consensus now stands at 4.08 out of a possible five, representing the Apple’s worst aggregated rating since October 2020. This comes despite the stock’s exceptional consistency even in the face of post-pandemic supply chain issues and widespread inflationary pressures. Apple climbed 50% in the calendar year 2023 and even briefly surpassed a market capitalization of $3 trillion as investors remained bullish about Apple’s prospects despite inflationary pressures on consumers. Addressing Apple’s Sales Shortfall While Apple reached new heights in 2023, its stuttering start to 2024 may offer a taste of reality for the tech giants as sales slowed to their lowest rate for more than a decade for smartphones among a range of product shortfalls. For the first time since its 2010 launch, Apple opted against releasing new iPad models in 2023. Sales for iPads according to Bank of America analyst Wamsi Mohan, while revenue dropped 3.4% to $28.3 billion. slipped 15% for the fiscal year 2023 Likewise, sales of Mac PCs and laptops fell almost 27% to $10.2 billion in fiscal 2023, while Bank of America estimates suggest that unit sales contracted by 11%. In addition to this, an over the Christmas period saw new Apple Watch models removed from Apple stores, with Morgan Stanley analysts estimating that the firm lost around $135 million in sales each day as the issue rumbled on. intellectual property dispute Is Apple Still the Stock it Once Was? There’s no doubt that AAPL is a Wall Street star. Boasting more than 20,000% growth since the start of the century, Apple has cemented itself as a key member of the FAANG collective of leading US tech stocks. However, recent struggles have highlighted that no stock is immune to the pressures of economic headwinds and falling consumer spending power. While Apple has made a disappointing start to 2024, investors can seek solace in that sentiment surrounding the stock is still high on a more long-term basis. Perhaps Apple’s biggest stock market boost can be found in Warren Buffett’s unwavering faith in the stock, with as much as concentrated on AAPL. This extremely heavy emphasis on Apple underlines the stock’s impressive record of securing growth even in the face of challenging economic conditions. 47.9% of Berkshire Hathaway’s portfolio Many market analysts have highlighted Apple’s ability to woo consumers with innovative new products that offer greater power, functionality, and efficiency than its competitors. While sales of the iPhone, Apple Watch, and Mac computers have all struggled in recent months, fresh optimism is growing for the new Apple Vision Pro, which could be transformative for the firm in the new year. “The sales momentum for Apple is expected to continue into early 2024 with the much-anticipated release of the Vision Pro mixed reality headset,” , head of investment research at Freedom Finance Europe. The Vision Pro headset, unveiled in June of this year, is Apple's first entirely new product in a decade, and market expectations suggest it could become a bestseller.” explained Maxim Manturov This, accompanied by the expectation that Apple will enter the race to in 2024 serves as a timely reminder that the tech giants are often seeking to bring the next big thing to market faster than other industry players. harness the power of generative AI Should Investors Buy Apple Stock? Apple’s short-term prospects rely heavily on the return of consumer spending power and their product innovations to sustain as a leading tech stock. With this in mind, the tech firm’s 2024 performance could be defined by how well-received the Vision Pro is among consumers. AAPL’s status Given that spatial computing is an industry that’s relatively new to consumers, the Vision Pro’s success is far from assured. But what we can be confident of is that Apple will continue to show long-term growth that falls in line with its impressive outperformance throughout the 21st Century. Historically speaking, Apple’s sales shortcomings only tend to serve as a temporary period of weakness. AAPL often presents itself as a stock that’s ripe for picking and holding over a long-term basis.

Does Apple’s Lacklustre Sales Performance Make its Stock Too Rotten for Investors?

অ্যাপলের অপ্রতুল বিক্রয় কর্মক্ষমতা কি তার স্টককে বিনিয়োগকারীদের জন্য খুব পচা করে তোলে?

Macht die schwache Verkaufsleistung von Apple die Aktie für Anleger zu faul?

¿El mediocre desempeño de ventas de Apple hace que sus acciones estén demasiado podridas para los inversores?

Les performances commerciales médiocres d’Apple rendent-elles leurs actions trop pourries pour les investisseurs ?

क्या Apple की कमज़ोर बिक्री प्रदर्शन के कारण उसका स्टॉक निवेशकों के लिए ख़राब हो गया है?

Appleのさえない販売実績は、投資家にとってAppleの株価を腐らせすぎているのだろうか?

애플의 부진한 판매 실적이 투자자들에게 애플의 주식을 너무 썩게 만드는가?

O fraco desempenho de vendas da Apple torna suas ações podres demais para os investidores?

Делают ли низкие показатели продаж Apple ее акции слишком плохими для инвесторов?

Apple'ın Zayıf Satış Performansı Hisse Senetlerini Yatırımcılar İçin Fazla Çürük mü Hale Getiriyor?

Hiệu suất bán hàng kém cỏi của Apple có khiến cổ phiếu của hãng trở nên quá hấp dẫn đối với các nhà đầu tư không?

苹果销售业绩不佳是否导致其股票对投资者来说太糟糕了？

The New York Times Company v. Microsoft Corporation Court Filing December 27, 2023 is part of . You can jump to any part in this filing . This is part 2 of 27. HackerNoon’s Legal PDF Series here II. JURISDICTION AND VENUE 10. The Court has subject matter jurisdiction under 28 U.S.C. §§ 1331 and 1338(a) because this action arises under the Copyright Act of 1976, 17 U.S.C. § 101, et seq. 11. Jurisdiction over Microsoft and OpenAI is proper because they have purposely availed themselves of the privilege of conducting business in New York. A substantial portion of Microsoft and OpenAI’s widespread infringement and other unlawful conduct alleged herein occurred in New York, including the distribution and sales of Microsoft and OpenAI’s Generative Pre-training Transformer (“GPT”)-based products like ChatGPT, ChatGPT Enterprise, Bing Chat, Azure OpenAI Service, Microsoft 365 Copilot, and related application programming interface (API) tools within New York to New York residents. Furthermore, both Microsoft and the OpenAI Defendants maintain offices and employ personnel in New York who, upon information and belief, were involved in the creation, maintenance, or monetization of Microsoft and OpenAI’s widespread infringement and other unlawful conduct alleged herein. 12. Because The Times’s principal place of business and headquarters is in this District, the injuries alleged herein from Microsoft and OpenAI’s widespread infringement and other unlawful conduct foreseeably occurred in this District. 13. Venue is proper under 28 U.S.C. § 1400(a) because Defendants or their agents reside or may be found in this District, through the infringing and unlawful activities—as well as Defendants’ sales and monetization of such activity—that occurred in this District. Venue is also proper under 28 U.S.C. § 1391(b)(2) because a substantial part of the events giving rise to The Times’s claims occurred in this District, including the marketing, sales, and licensing of Defendants’ GenAI products built on the infringement of The Times’s intellectual property within this District. Upon information and belief, OpenAI has sold subscriptions for ChatGPT Plus to New York residents, and both Microsoft and OpenAI enjoy a substantial base of monthly active users of Bing Chat and ChatGPT in New York. OpenAI has licensed its GPT models to New York residents and companies headquartered in New York. For example, this year, OpenAI struck deals to license its GPT models to the Associated Press (AP) and Morgan Stanley, both companies headquartered in New York. Continue Reading . Here About HackerNoon Legal PDF Series: We bring you the most important technical and insightful public domain court case filings. This court case 1:23-cv-11195 retrieved on December 29, 2023, from is part of the public domain. The court-created documents are works of the federal government, and under copyright law, are automatically placed in the public domain and may be shared without legal restriction. nycto-assets.nytimes.com

The Times v. Microsoft/OpenAI: Subject Matter Jurisdiction under 28 U.S.C. §§ 1331 and 1338a (2)

টাইমস বনাম মাইক্রোসফ্ট/ওপেনএআই: 28 ইউ.এস.সি এর অধীনে বিষয়বস্তুর এখতিয়ার §§ 1331 এবং 1338a (2)

The Times gegen Microsoft/OpenAI: Sachliche Zuständigkeit gemäß 28 U.S.C. §§ 1331 und 1338a Abs. 2

The Times contra Microsoft/OpenAI: Jurisdicción de la materia según 28 U.S.C. §§ 1331 y 1338a (2)

The Times c. Microsoft/OpenAI : compétence en la matière en vertu de 28 U.S.C. §§ 1331 et 1338a (2)

द टाइम्स बनाम माइक्रोसॉफ्ट/ओपनएआई: 28 यू.एस.सी. के तहत विषय क्षेत्राधिकार। §§ 1331 और 1338ए (2)

タイムズ対マイクロソフト/OpenAI: 28 U.S.C. に基づく主題管轄権§§ 1331 および 1338a (2)

The Times 대 Microsoft/OpenAI: 28 U.S.C.에 따른 주제 관할권 §§ 1331 및 1338a (2)

The Times v. Microsoft/OpenAI: Jurisdição do assunto sob 28 U.S.C. §§ 1331 e 1338a (2)

The Times против Microsoft/OpenAI: юрисдикция по предметам согласно 28 U.S.C. §§ 1331 и 1338a (2)

The Times - Microsoft/OpenAI: 28 U.S.C. kapsamında Konunun Yargı Yetkisi §§ 1331 ve 1338a (2)

The Times kiện Microsoft/OpenAI: Thẩm quyền xét xử các vấn đề chủ đề theo 28 U.S.C. §§ 1331 và 1338a (2)

《泰晤士报》诉 Microsoft/OpenAI：《美国法典》第 28 条下的主题管辖权第 1331 条和第 1338a 条 (2)

is a seasoned entrepreneur and fintech specialist and is here to shed light on the technicalities surrounding international bank transfers and their impact on businesses, especially SMEs. Iurii Gugnin With over a decade and a half of experience in the field, Gugnin is currently spearheading the growth of Evita, an American that is revolutionizing the way companies handle international transfers. startup In a short span of six months, Evita has achieved a remarkable turnover of $15 million per month, proving its profitability and effectiveness. The startup is instrumental in facilitating overseas purchases of real estate, automobiles, and equipment for foreign clients while also aiding American small and medium-sized businesses in importing goods from abroad at a fraction of the cost. Unlike traditional banking institutions such as Bank of America and Chase, which levy a 3-5% charge on transfers, Evita operates on a minimal commission of 0.4-1.5%. This approach not only fuels the growth of the US economy but also aids in re-establishing the country's dominance in . global exports Join us as Iurii Gugnin delves into the challenges faced by the U.S. in expanding its exports, the reasons behind the high costs of international wire transfers, and potential solutions to these issues. Q: With a wealth of experience in fintech since 2009, could you share some insights about your journey with international payments? A: My journey with international payments has been quite diverse, encompassing roles as an entrepreneur, consultant, and individual user. I've had the privilege of traveling to over 100 countries, living in several for extended periods, and consistently encountered a common issue: the incompatibility of bank cards when moving to a new location. For instance, a Thai card was unusable in the States, and a Dubai card was ineffective in the UK. Despite Visa and MasterCard's global presence, their usability is conditional. In my entrepreneurial journey, I've faced similar challenges. I established an international business, secured licenses in Europe and the CIS countries, and am currently in the process of obtaining licenses in America. One of my notable ventures is the Karma investment platform, which has successfully built a community of over 8,000 investors, attracted more than 500 business borrowers, and structured a $250m deal with a major bank. However, the process of making international transfers with currency exchange was often marred by high fees and lengthy waiting periods. In addition to this, I've advised five countries on digital asset legalization, engaging with central banks to discuss payment structuring and the integration of digital money to enhance transfer transparency. Drawing from these experiences, I founded Evita, a US-based company, in 2021. After a year of product-market fit exploration and several pivots, we found our niche in making international money transfers faster and cheaper, leading to rapid growth. Q: The Federal Reserve reports that the average cost of money transfers from the States to other countries is now about 5.6%, even higher than in 2022. Why are these fees so high? A: The high fees can be attributed to what I call the 'imperial syndrome' prevalent in the States. There's a common belief that dollars are universally accepted, negating the need for other currencies. Mainstream banks like Wells Fargo and Chase primarily operate in dollars in the United States, and the SWIFT system also predominantly uses USD. Growing up in Asia, I was accustomed to carrying different currencies and exchanging them with ease, a practice not common in the US. Despite my knowledge and net worth, it took me three months to open a EUR account in the US, and even then, there were significant usage restrictions. This is a challenge that many local entrepreneurs face. There is a niche segment of VIP banks, such as HSBC, Morgan Stanley, and JP Morgan, where corporations or wealthy individuals can open accounts in different currencies. These banks offer competitive exchange rates and reasonable transfer fees, but they are not designed for the mass market. In essence, there's an oligopoly of 3-4 leaders in the US banking sector who set their own prices. They've decided to charge 3-5% for international transfers, and most customers, unaware of how exchange rates are determined or where to find current information, have no choice but to comply. Q: In many Asian countries, the transfer fee is significantly lower than in the United States. For instance, in South Korea, it's only 3.55%. Can you shed some light on why this is the case? A: Asia, with its multitude of island nations, has a unique culture of multi-currency transactions. However, even a seemingly small fee of 3.5% can add up quickly. Consider purchasing a Mercedes-Benz G-Class abroad for 300,000 EUR. The commission alone would amount to a staggering 10,500 EUR. There are companies like Revolut or Wise that cater to smaller transactions, such as a $1,000 payment for freelance services. In these cases, an additional percentage doesn't seem as daunting. But in the B2B sector, the stakes are much higher. Transactions often involve tens or even hundreds of thousands for equipment, material supplies, and furniture. On our platform, we've even facilitated the purchase of a thoroughbred horse from Germany with an impressive pedigree. The price tag was 120,000 EUR! In such scenarios, even half a percent can make a significant difference. Q: The process of cross-border transfers often results in high costs and extended durations. Would you provide some insight into the underlying reasons for this? A: Certainly, let's consider a hypothetical scenario. Imagine two individuals who wish to open dollar accounts in a bank in Mongolia and another in Korea. The question arises, how can this be achieved? The challenge lies in the fact that to handle non-cash dollars, both banks require a license from the United States. Acquiring such a license is a daunting task for foreign financial institutions. As a workaround, these Mongolian and Korean banks would typically open correspondent accounts in U.S. banks, say Wells Fargo and Citi, respectively. Within these accounts, virtual folders are created for specific users. Now, let's assume a client from Mongolia wishes to send dollars to a friend in Korea via SWIFT. As I mentioned earlier, the currency is held in American banks. The initiating bank, Wells Fargo, would first verify the sender and recipient of the transfer. Following this, it would execute the transfer within the U.S., to Citi. The receiving bank, Citi, would then confirm that the Korean bank has an account with them and that the intended recipient is indeed a client of theirs. This process of verification and confirmation takes time, and during this period, transaction fees accumulate. Hence, the perceived delay and cost associated with cross-border transfers. Q: So, if I understand correctly, Mongolian and Korean banks might not directly interact with US dollars, but rather through an intermediary. Does this additional layer extend the transfer time? A: Yes, this is a common practice in many countries. A local bank might open an account with a Korean bank, which in turn has an account with a US bank. Consequently, the money passes through several "hands" of correspondent banks, each taking a slice of the transaction as commission. Moreover, when funds are sent through this complex chain, the transaction details can be extensive, often filling an entire page of text. This complexity significantly increases the likelihood of errors, which further extends the transfer time. But that's not all. Customers have come to expect SWIFT transfers to be a lengthy process. For instance, when money is sent from the US to Latin America, the CIS, or Asia, local banks might reflect the transfer in the customer's account a day or even a week after the funds have arrived. During this period, the banks essentially use the customer's money for free, earning interest on the deposits. Q: Would it be accurate to say the complexities associated with international transfers contribute significantly to the U.S. losing its leadership in global exports? A: I believe it's a crucial factor. The U.S.'s reliance on the dollar has had unintended consequences. In 2012, the U.S. was surpassed by China in terms of global exports, and by 2022, the Chinese yuan had become in transaction volume. one of the top five currencies While the dollar still leads, the use of the yuan from 2019 to 2022. nearly doubled Despite the slowdown in China's economy due to low birth rates, it continues to progress, driven by momentum. Furthermore, China frequently devalues its currency, which benefits the country as expenses are nullified while income remains in dollars. Consequently, Chinese goods remain competitive in the global market. In contrast, the U.S. faces high costs in various sectors, including real estate, transportation, internet, and food. These costs inflate the price of goods, making them less attractive overseas. Unique products like Boeing airplanes or Nvidia chips are exceptions. Additionally, businesses bear the burden of a 5%+ commission for payment transfers and interest rates on loans. Q: What solution does Evita offer? A: Fast and cheap international B2B transfers. We have a large community of exporters and importers who need to regularly transfer large sums to other countries. We also have our accounts in the States, in the UK, in the EU, and soon to be in China. This allows us to offset counter-flows of money. Q: Could you provide some insight into how the counterflow system operates? A: Imagine a scenario where one company needs to transfer $1 million from the US to Europe today, and another company needs to send the same amount from Europe to the US. In this abstract situation, we at Evita can accept the dollars into our American account and simultaneously transfer euros from our local European account and vice versa. This makes all transactions swift as they are conducted within the US and EU respectively. Moreover, we save on currency conversion because we don't convert the currencies. Our counterflow system is supported by a community of importers, exporters, logistics operators, and entrepreneurs from various countries. My extensive experience in fintech has been instrumental in bringing this community together. Large banks also have systems that allow for such internal clearing, which significantly increases the profitability of transactions. However, clients are often not informed about this and are charged hefty commissions for transfers. In reality, banks do not change the currency but simply adjust the figures on the accounts. At Evita, we choose not to keep all the profit for ourselves. Instead, we share a portion of it with our clients in the form of a discount. As a result, the user will pay a commission of only 0.4-1.5%, depending on the transaction volume, instead of the usual 5% or even 3%. Essentially, we democratize access to clearing, which is currently monopolized by banks, and save up to 90% of money on currency exchange. According to the , U.S. small businesses export goods and services worth $341 billion annually. We estimate that products like Evita could save Americans between $7-16 billion a year. SBA Q: What happens if the counterflows don't align? A: In such cases, we resort to transferring money through digital wallets using stablecoins. We maintain legal and institutional accounts on regulated exchanges like Kraken. Cryptocurrency transfers offer a faster and more cost-effective alternative to traditional bank wires, taking just a minute instead of two days and costing 50 cents instead of $45. Q: Your primary focus is on small businesses, correct? A: Our focus is on small and medium-sized businesses. However, it's important to note that these businesses often engage in quite large transactions. While we don't cater to corporations on the scale of Apple, our clients are primarily involved in buying and selling cars. Currently, we're exploring the luxury furniture niche. Our services are also frequently used for payments related to equipment and charter flights, which can cost up to $200,000. Q: Is it accurate to say Evita also assists businesses in addressing their working capital issues? A: That's correct. It's a common scenario where a business has paid for a product and is simply waiting for its delivery. Many suppliers only ship products after receiving payment. If the transfer is made via SWIFT, the customer may have to wait an additional two weeks. During this period, the money is essentially "blocked" in the system. However, if the funds are transferred within a day, businesses can turn over their working capital more frequently, leading to increased earnings at the end of the year. This is often more significant than the profitability of a single transaction. We aim to shorten the cycle and increase the number of "turnovers.” Moreover, businesses can avoid taking out loans and paying high-interest rates. Currently, the interest rate on a small business loan . Not all businesses can secure these loans from banks due to stringent requirements, leading to the emergence of loan sharks who offer loans at annual rates of 100-200%. ranges from 6% to 45% By freeing up working capital, Evita could potentially save US exporters around $20 billion a year at the very least. Given that in the U.S., it's crucial to help them save money. small businesses are the backbone of job creation Q: Rounding off the interview, what do you think the future holds for the international payments market? A: The future of international payments, in my view, may present more challenges. Despite the technological capability for instant and affordable global transfers existing for over two decades, two major obstacles persist. Secondly, there is a global trend of increasing governmental control over business operations. European banks, for instance, annually on Anti-Money Laundering (AML) and related activities. These costs are inevitably passed on to consumers through service fees. spend an average of 14.25 million euros Collectively, Europeans per year on AML measures. However, these efforts only uncover less than 1% of actual criminal activity, while 99.99% of individuals and businesses bear the brunt of compliance requirements. spend 140 billion euros As regulatory measures continue to intensify, domestic and ecosystem-specific money transfers will become the norm. Consequently, services like ours that facilitate these transactions are poised to gain popularity.

Interview With Iurii Gugnin: Boosting U.S. Export Competitiveness With Cheaper Remittances

As if the underwhelming launch of 's " " processors wasn't bad enough, the Nasdaq-listed company now has to contend with competitors eating away at its market share. Intel next generation In a development that spelled bad news for the long-time maker of processors, a last week detailed attempts by to enter the personal computers market by designing its own CPUs based on ARM technology. Now, Nvidia is mostly known for its graphics cards, but this wouldn't be Team Green's first stint at designing processors: it's dabbled in producing integrated processors under the Tegra family — which also utilize ARM technology — to power things like the Nvidia Shield and even the ! media report Nvidia Nintendo Switch By designing new processors, Nvidia is looking to capture the Windows market. Currently, Intel predominantly supplies all the hardware that is used in Windows-powered laptops, but isn't cool with that. It wants to be able to diversify its supply, and it really badly wants processors with ARM technology. Why? Because they're great at powering things like laptops and tablet computers, but also, because has had great success in using ARM-based processors to power its Mac computers, giving them an edge over competitors due to their battery life and speedy performance. Microsoft Apple But that's not all. A note from Morgan Stanley earlier this year detailed how Apple's A-series and M-series chips were well-positioned to benefit from the rise of AI work loads being pushed to the edge. Basically, given Apple's efforts to optimize the integration of hardware, software, and services, the has been able to roll out more powerful and efficient chips each year. world's most valuable company Now, with Apple wanting to transition AI-intensive tasks onto the edge, these ARM-based processors, which power things like the iPhone but also the iPad and the Mac, are primed to help users generate content on-device more quickly, and Microsoft knows. Which is why, it is encouraging companies like Nvidia to develop hardware that could help Windows-based hardware compete with the likes of Mac. Nvidia's experience with producing graphic cards that are primed for AI workloads gives the company a bit of an edge, but Team Green isn't the only game in town. According to Reuters, too is looking at developing ARM-based CPUs. AMD AMD's shtick has always been to stick it up to the likes of Intel and Nvidia on things like pricing and performance. When Intel and Nvidia get with and get too comfortable with their market position, AMD's there to that it exists. too cocky their hardware remind them From our point of view, this trifecta of companies looking to compete against each other on things like CPUs, GPUs, and ARM-based technologies can be massively beneficial for consumers as it gives them more options and better prices. But, and more importantly, this looming competition could finally give these companies a reason to build bigger and better hardware instead of just new code onto silicon chips as if that would make them perform better than last gen hardware. lazy slapping The race for hardware that blows everyone's minds is on, and Intel is lagging behind. Will Team Blue bring its house into order? Will it experience a comeback or will it be forgotten? We'll be here to let you know. Intel ranked #50 on HackerNoon's this week. Nvidia was on the #66 spot. Tech Company Rankings 👋 You’re reading of HackerNoon's Tech Company News Brief, a weekly collection of tech goodness that combines HackerNoon's proprietary data with internet trends to determine which companies are rising and falling in the public consciousness. goes live tomorrow. Hate waiting? No problemo! Just subscribe to receive the newsletter part 1 Part 2 here complete a day early in your inbox. In Other News.. 📰 Resident Evil Village on the iPhone could be a preview of Apple’s gaming future — via . The Verge Google CEO Sundar Pichai to testify in US antitrust trial — via . Reuters Amazon’s Tye Brady discusses generative AI, humanoid robots and mobile manipulation — via . TechCrunch A look back at Elon Musk’s first year owning Twitter, in tweets — via . CNN Fidelity has marked down the value of Twitter/X by 65% — via . Axios Biden unveils U.S. government’s first-ever AI executive order — via . CNBC And that's a wrap! Don't forget to share this newsletter with your family and friends! See y'all next week. PEACE! ☮️ — Sheharyar Khan, Editor, Business Tech @ HackerNoon *All rankings are current as of Monday. To see how the rankings have changed, please visit HackerNoon's page. Tech Company Rankings

The Tech Company News Brief: It's a Bad Time to be Intel

টেক কোম্পানির সংবাদ সংক্ষিপ্ত: ইন্টেল হওয়ার জন্য এটি একটি খারাপ সময়

The Tech Company News Brief: Es ist eine schlechte Zeit, Intel zu sein

Resumen de noticias de The Tech Company: Es un mal momento para ser Intel

The Tech Company News Brief : C'est un mauvais moment pour être Intel

टेक कंपनी समाचार संक्षिप्त: इंटेल बनने के लिए यह एक बुरा समय है

テクノロジー企業ニュース概要: インテルになるには悪い時期です

기술 회사 뉴스 요약: Intel이 되기에는 나쁜 시기입니다.

Resumo de notícias da The Tech Company: É um mau momento para ser Intel

Краткий обзор новостей технологической компании: сейчас плохое время для Intel

Teknoloji Şirketi Haber Özeti: Intel Olmak İçin Kötü Bir Zaman

Tóm tắt tin tức của công ty công nghệ: Trở thành Intel là thời điểm tồi tệ

科技公司新闻简报：现在是英特尔的糟糕时代

Dive into how AI is transforming the investment landscape Remember the early days of robo-advisors? They were like the first smartphones—revolutionary but limited. Now, generative AI is stepping in, offering more nuanced and personalized financial services. For instance, Q.ai offers customers investment kits picked by an AI that considers various data points, from market metrics to social media sentiment. 📊 Performance Metrics While AI's promise is high, its performance is still under scrutiny. ETF Managers Group's AIEQ, which uses IBM's Watson, has returned 4.9% over the last five years, trailing the S&P 500 index fund's 11.78%. It's like a new athlete who shows promise but has yet to win significant titles. 🛠️ Guardrails and Accountability AI isn't given free rein. Companies like Q.ai and AIEQ (see examples below) have human oversight to monitor AI output for biases and errors. Think of it as a self-driving car with a human driver ready to take over in complex situations. 🌐 Accessibility and Inclusion AI is democratizing financial advice. Firms like Fisdom in India use automated tools to offer financial guidance to a broader base of customers. It's like opening up an exclusive club to the general public, making high-quality advice accessible to all. 🤖 The Future: AI in the Back Office Even if AI isn't directly advising clients, it's finding a place in back-office systems. For example, it summarizes meeting transcripts, monitors risky transactions, and generates reports. Examples of startups / smaller companies using AI for investment management: 🤖 Q.ai Location: Jersey City, N.J. About: Q.ai offers no-fee "investment kits" consisting of 4 to 20 securities in a market sector. These kits are selected by an AI that evaluates market metrics, news, Google search trends, and social media sentiment. 📊 ETF Managers Group’s AIEQ Location: Summit, N.J. About: AIEQ uses IBM’s Watson AI platform to analyze millions of data points from various sources like news, social media, and financial statements of over 6,000 U.S. companies. 🌐 Nemo Location: Abu Dhabi About: Nemo uses a ChatGPT model to allow investors to ask questions they might typically ask a human broker. The company emphasizes that they don't let their AI go "off-leash." 📈 Toggle AI Location: Not specified About: Toggle AI aims to implement ChatGPT that will be programmatically constrained to provide reality-grounded answers to investors' questions. 🌟 Fisdom Location: India About: Fisdom uses automated tools to provide financial guidance to a broader base of customers, including individuals with low net-worth. 💼 Betterment Location: New York About: Betterment, one of the first mass-market robo-investing firms, remains cautious about using AI for financial advice. However, they do use AI in their back-office systems for tasks like summarizing meeting transcripts and diagnosing software issues. Examples of incumbent banks using AI for investment management: JPMorgan Chase: This financial giant is leveraging AI to optimize asset management and offer personalized investment solutions. Morgan Stanley is using AI to enhance its asset management strategies. UBS: Known for its wealth management services, UBS is adopting AI to improve its investment strategies and customer engagement. HSBC: This global bank is using AI to bolster compliance and risk management functions and augment and automate data analysis in the investment sector. 🔮 Summary The integration of generative AI into investment management is a significant development, offering more personalized and nuanced services. Performance metrics are crucial for assessing the efficacy of AI-driven investment platforms, and they currently show a mixed picture. The human oversight in AI-driven systems is a necessary safeguard, ensuring that the technology does not go "off-leash." Whether it's automating data analysis, enhancing customer engagement, or optimizing asset management, AI is playing a pivotal role in shaping the future of investment management. Excerpt from One More Thing in AI Newsletter. Get smarter on AI in 5 mins. Carefully curated from hundreds of sources for business leaders and founders. ) Join 1000+ subscribers for free.

How AI is Transforming the Investment Landscape

Remember the early days of cloud adoption? Well, early adopters of cloud technology reaped the rewards of today’s cloud offerings of enhanced scalability, flexibility, heightened security, and reduced maintenance obligations. That placed them ahead of their competitors who, in many instances, still struggle with fragmented IT ecosystems rooted in outdated infrastructure. The recent emergence of enterprise blockchain marks the brink of another such technological shift, and enterprises across industries have already recognized its potential. Fintech and financial services have taken hold of blockchain hosting with trailblazers like Morgan Stanley, Goldman Sachs, and JP Morgan investing substantially in tailor-made solutions. However, it's crucial to differentiate between enterprise blockchain and the media-hyped world of cryptocurrency. focuses on the foundational technology, a database mechanism that establishes a secure, decentralized method for storing tamper-proof and immutable information. Enterprise blockchain Common scenarios where this technology is applied encompass securitization, payments and settlements, tokenization, and syndicated loans. That said, enterprise blockchain can be expensive with its bespoke hardware needs to reduce latency and the professional expertise needed to manage the cloud effectively. Adopting the Right Strategy There's no denying that blockchain holds the potential to revolutionize financial services, but the approach must be precise. Hosting and managing blockchain-based applications on-site is far from the optimal way to harness its prowess and capabilities since it poses significant challenges in terms of efficiency, reliability, and security. Instead, fintech firms exploring blockchain should direct their attention toward the private cloud. Private cloud hosting seamlessly aligns with this innovative technology and stands as one of the most effective ways to fully capitalize on blockchain's potential due to how easily companies can customize their needs in the private cloud versus other cloud solutions. A Perfect Pairing A basic understanding of blockchain functionality underscores why is the superior choice for this new tool. Fundamentally, blockchains are decentralized, distributed ledgers. This means that decision-making authority isn't vested in a central entity; rather, it's dispersed across a network of users known as nodes who contribute to the blockchain's development. By majority consensus, these users determine which new blocks can be appended to the chain and which cannot. More nodes translate to a safer blockchain, as a larger number of users cross-check each other's work to prevent erroneous code from infiltrating the chain. cloud hosting Furthermore, an increased number of nodes offers protection against network failures. Even if a node or group of nodes is compromised, many others sustain the network. In essence, broader accessibility fortifies blockchains. With participation from users across various regions, the network naturally attains enhanced security and resilience. Cloud hosting seamlessly facilitates this broad access, a critical factor ensuring the security and redundancy imperative for financial services and fintech enterprises. Improving efficiency also remains a key focus within the financial services sector. Blockchain applications are intricate and can require substantial amounts of energy to operate, which inevitably escalates costs. Procuring and managing on-site servers to support a blockchain network is not only time-consuming and inefficient but also exorbitant. Collaborating with a dependable cloud provider, with a globally dispersed cloud infrastructure, constitutes the most streamlined and cost-effective means of managing blockchain applications, and a robust network is pivotal in safeguarding the security and redundancy aspects. An expansive network also mitigates lag and downtime while preserving continuity – all of which hold paramount importance in this sector. Additionally, a distributed cloud network provides scalability that on-site hosting can't match, furnishing the necessary flexibility for expansion and growth. Tailoring Hosting Solutions Your choice of cloud solution hinges on the specific requirements of your application. A private cloud is more cost-effective for applications demanding extensive processing capabilities on a consistent basis (without sudden spikes). Conversely, when considering heavy usage for brief periods (bursts), a public cloud could be the superior choice. Choose a cloud hosting provider proficient in both options and possessing ample experience and expertise to guide you toward the optimal path for your needs. Cloud hosting specialists can provide a level of consultancy, management, and customer care unattainable with on-site alternatives. Accomplished providers assist in troubleshooting challenges related to your blockchain technology stack, while delivering ongoing maintenance and support essential for driving productivity. Blockchain technology harbors immense potential for financial services, with numerous early adopters already reaping its rewards. Nevertheless, blockchain remains a burgeoning technology, and a correct approach is essential. Embracing cloud infrastructure stands as the most efficient, secure, reliable, and cost-effective strategy for operating blockchain applications in this sector and beyond. Private cloud solutions yield advantages over on-site hosting and perfectly complement blockchain's decentralized approach. For forward-thinking enterprises contemplating blockchain, the decision to host their infrastructure in the cloud is imperative for unleashing the potential of this robust innovation. Resource requirements For fintech and financial institutions that utilize blockchain technology, resource requirements can be more predictable compared to some public blockchain networks like Bitcoin or Ethereum. This is because these institutions often use private or permissioned blockchains, which provide more control over the network and its resources. Here's why: Permissioned Networks Fintech and financial institutions often use permissioned blockchains, where access and participation are restricted to a specific group of known participants. This allows them to have more control over the network's resources and governance. Predefined Participants In a permissioned blockchain, the participants are known and vetted. This means that the network administrators have a good understanding of the number of nodes and the computational resources they bring to the network. Predictable Transaction Volume In many financial applications, the transaction volume can be forecasted based on historical data and business models. This enables institutions to plan for the necessary resources to process these transactions. Customized Consensus Mechanisms Fintech and financial institutions can choose or design consensus mechanisms that suit their specific requirements. For instance, they may use Practical Byzantine Fault Tolerance ( ) or other consensus mechanisms that are more deterministic and resource-efficient compared to Proof of Work. PBFT Private Smart Contracts Smart contracts on permissioned blockchains are typically not exposed to arbitrary execution by external parties. This allows for more control over the computational resources required for executing smart contracts. Regulatory Compliance Financial institutions often have strict regulatory requirements. They can design their blockchain solutions in a way that ensures compliance, which can include managing resource requirements in a predictable manner. While resource requirements can be more predictable in permissioned blockchains used by financial institutions, it's important to note that the specific details will still depend on the design choices made by the institution. Factors like transaction volume, the complexity of smart contracts, consensus mechanisms, and network participants will all play a role in determining resource needs. Additionally, even within a permissioned blockchain, there can still be bursts of activity based on specific events or operational needs. Blockchain technology presents new opportunities for financial services, with early adopters reaping rewards. However, the correct approach to harnessing its power is pivotal. Embracing cloud infrastructure emerges as the most efficient, secure, reliable, and cost-effective strategy, particularly when integrated with permissioned blockchains. This strategy can allow enterprises to optimize blockchain's transformative potential. For forward-thinking enterprises contemplating blockchain adoption, the imperative decision is clear: host their infrastructure in the cloud to unleash the full potential of this robust innovation.

Unlocking Blockchain's Potential: Why Cloud Hosting is a Key Strategy for Financial Services

Our ever-evolving digital landscape and the technologies that support it have enabled us to take care of everything from banking and shopping to socializing online. Yet our increased reliance on digital services has also led to growing concerns about security and privacy and the access that third parties have to our data. The emergence of represents a promising evolution in the eyes of many experts. Web 3.0 That’s because Web 3.0 technologies use a decentralized framework that puts control back into the hands of users and allows them to interact online without sacrificing privacy. The increasing prominence of , decentralized finance, and non-fungible tokens (NFTs) further emphasizes the demand for a new way of safeguarding our digital interactions. blockchain-driven applications A new breed of tech visionaries has been instrumental in driving this change and helping to deliver Web 3.0 solutions to the masses. These leaders possess a profound understanding of the complexities of cybersecurity and the limitless possibilities of Web 3.0 to embrace the potential of decentralized networks while acknowledging the unique of 2023. security challenges Here, we celebrate 15 experts who are helping to shape the future of Web 3.0 and deliver powerful new cybersecurity solutions to create a digital infrastructure where decentralized technologies redefine the internet and safeguard its most valuable assets – our data and privacy. Jan Lunter, CEO & CTO of Innovatrics Jan Lunter graduated at the Télécom ParisTech University in France before becoming co-founder and CEO of Innovatrics, a company that has been developing and providing fingerprint recognition solutions since 2004. Lunter is an author of the algorithm for fingerprint analysis and recognition, which regularly ranks among the top in prestigious comparison tests (NIST PFT II, NIST Minex). In recent years he is also dealing with image processing and the use of neural networks for face recognition. , CEO and Cofounder of Lightning Labs Elizabeth Stark Elizabeth Stark is a strong advocate of open source and decentralized protocols, who brings her vast knowledge in peer-to-peer technology, privacy, open source software, and memes to her roles as a co-founder and CEO of Lightning Labs. Her company focuses on constructing a programmable financial layer for the Internet through fast and scalable blockchain transactions. With a law degree from Harvard and a background in teaching at Stanford and Yale, Stark remains a prominent figure in shaping the future of the internet and empowering startups in various fields, including AI and decentralized technology. Her dedication to Internet freedom was evident during the successful efforts to defeat SOPA/PIPA, engaging millions of people worldwide. , CEO of ManagedMethods Charlie Sander Charlie Sander is the CEO of Managed Methods, a Colorado-based data security and student safety platform for K-12 schools. With more than three decades of experience in the IT industry, Sander has been an executive at some of the fastest-growing companies in business. He holds 10 patents and graduated from the Cockrell School of Engineering at the University of Texas at Austin with a BSEE degree. , Founder & CEO of Custodia Bank Caitlin Long Caitlin Long is a Wall Street veteran deeply involved in Bitcoin and blockchain since 2012. With a remarkable career at major financial institutions, including Morgan Stanley and Credit Suisse, Long holds a law degree from Harvard, further solidifying her exceptional qualifications. Custodia Bank, a Wyoming-based institution, serves as a compliant bridge to the US dollar payments system while providing secure custodial services for digital assets at institutional standards. As a fully compliant entity, Custodia adheres to the Bank Secrecy Act and federal regulations, including “know your customer,” anti-money laundering, and related laws. Additionally, the bank follows Wyoming’s special purpose depository institution and digital asset laws, ensuring 100% reserved fiat deposits and offering the highest level of consumer protection in the digital asset industry. Founder & CEO, BreachQuest Shaun Gordon, Gordon founded BreachQuest, a cybersecurity company focused on minimizing breach costs and downtime. He is also the founder and Managing Partner of AGI Partners, an investment firm dedicated to growing exceptional mid-sized companies. His achievements include successfully leading the sale of Pristine Environments and contributing to educational initiatives. Gordon’s expertise spans business services, cybersecurity, SaaS, real estate, financial services, and healthcare. Cathy Hackl, Chief Futurist & Founder, Journey Cathy Hackl, a prominent business executive and tech futurist, boasts an impressive background working with major companies like Amazon Web Services, Magic Leap, and HTC VIVE. In her leading role at Journey’s Virtual Studio, she advises companies and governments on gaming, AR, AI, spatial computing, and virtual world strategies. Hackl’s expertise has influenced brands such as Louis Vuitton, Nike, Walmart, and Clinique. She is a recognized Vogue Business 100 Innovator and Vogue Singapore’s Metaverse Editor. In 2023, Hackl launched VerseLuxe, her luxury tech label disrupting the fashion and luxury industries with connected jewelry called Frillz. Journey, the global design and innovation studio, empowers clients to create next-gen customer experiences that engage and elevate, spanning the creator economy, immersive destinations, and new generations of fans. , Founder & CEO, Eden Data Taylor Hersom Taylor Hersom has extensive experience advising Fortune 500 companies and serving as a Chief Information Security Officer (CISO). His expertise lies in building tailored security programs for decentralized and cloud-centric organizations. Eden Data is dedicated to integrating security and privacy into the core of next-generation businesses. The company disrupts traditional cybersecurity consulting by prioritizing relationships, cultivating leaders, and offering a fresh approach. They actively contribute as a security thought leader, serving on industry advisory boards and sharing insights through speaking engagements and online content. Eugenia Kuyda, Founder and CEO at Replika Eugenia Kuyda is a Russian-born entrepreneur and computer scientist based in the United States. She is renowned as the co-founder and CEO of Replika, a cutting-edge AI-powered chatbot app for human-like conversation simulation. With over 10 million users worldwide and a remarkable 35% usage increase since 2020, Replika has garnered widespread attention and acclaim for its unique approach to mental health support. Prior to Replika, Kuyda co-founded Luka, an AI-driven messaging app that recommended local venues. Kuyda’s groundbreaking work in the AI and mental health spheres has earned her numerous speaking engagements and media features. , Co-Founder, Sensei Node Ignacio Roizman Ignacio Roizman is a seasoned Digital Marketing Executive and Entrepreneur, boasting over 25 years of experience leading operations in Latin America and the US. With a strong track record, he has successfully overseen organizations providing a range of digital advertising services, including Creative, Digital Media Planning and Buying, and website development for renowned Fortune 500 brands. SenseiNode is the first blockchain infrastructure independent service provider in Latin America. They automate and simplify the deployment and monitoring of nodes on leading protocols, providing access via their APIs to organizations looking to build their blockchain infrastructure with a high availability and low total cost of ownership. Kelly Max, Founder & CEO, Solvv Kelly Max is a visionary founder with a deep commitment to creating impactful products and companies that make a difference in people’s lives. His passion lies in assembling exceptional teams and driving focused efforts toward achieving ambitious goals. Currently, his primary focus is on Solvv, the pioneering Social Podcasting platform. At Solvv Inc, They strive to develop a sustainable product that empowers individuals to progress in life, shape their identities, and cultivate their personal brands. Solvv invites others to join their journey of learning, creation, and growth. In their past ventures. , Co-Founder and CEO at Everyrealm Janine Yorio Janine Yorio has established a metaverse innovation and investment platform. Everyrealm holds a significant position as one of the largest owners of digital real estate NFTs across metaverses like Decentraland, The Sandbox, and Axie Infinity. The company actively develops in-metaverse projects, including the Metajuku shopping center and the Fantasy Islands ultra-luxury master-planned community NFT project. Yorio’s previous achievements include being the CEO of Compound, a real estate fintech app acquired by Republic in 2020, and her work in private equity and real estate and hotel development. Jasmine Brunson, Founder, Rektify AI Jasmine Brunson is a dynamic founder and risk-taker who has ventured into data science, blockchain and technology. She sees data as her creative currency and actively contributes to the social entrepreneurial community, leveraging her passions to drive meaningful change. Brunson is a dedicated advocate for user data awareness, fighting against exploiting consumer data that fuels harmful algorithm biases and fosters misleading consumer identities. Her company, Rektify AI, is a Web3 Security & Risk Analytics company making cryptocurrency more secure and intelligent. , Founder and CEO of Crescite Eddie Cullen Eddie Cullen is the Founder and CEO of Crescite, which is building a Web 3.0 community for faith-based institutions and ESG investments. He was earlier the Director of Fordham University’s incubator program, and was a Candidate to be Mayor of NYC. He also served as a Fellow and Faith Advisor for the Biden for President campaign. Mike Starr, CEO and Founder of trackd Mike Starr is a cross-functional leader and former NSA engineer with experience building and launching products in new and disruptive markets. Mike received his Bachelor’s degree from SUNY Alfred and enjoys nerding out on wine and reading fantasy novels in his free time. His company trackd is delivering a modern patch management platform that collects patching experience data from patches applied using the platform, then anonymizes that data and shares it with all other users. The trackd platform unifies vulnerability and patch management and provides insight into how patches have affected systems previously, helping operators identify which patches might be disruptive when applied in their environment, and which are safe to designate for auto-patching. , Co-Founder of Cyber Security Capital Jane Frankland Jane Frankland brings two decades of cybersecurity expertise to Cyber Security Capital, holding senior executive roles and actively participating in esteemed cybersecurity organizations. Her mission is to promote women in security and create a safer, stronger, and more prosperous world for all. Cyber Security Capital operates globally, connecting people, opportunities, and resources within the cybersecurity ecosystem. Their London-based headquarters house a passionate and skilled team of cyber security entrepreneurs, consultants, facilitators, and resources. Cyber Security Capital emphasizes outstanding services and innovation to drive positive changes within the industry, achieving more together and making quantum leaps towards progress. This article was originally published by on Alexander García The Sociable.

15 Advanced Cybersecurity & Web 3.0 Executives

Republic, a digital finance leader, has announced the launch of its fully integrated digital wallet to its global community of more than three million members. Republic Wallet will power the ability to invest in, trade, and securely manage Republic investment offerings like tokenized securities, tokenized real-world assets, and more. “For millions of global retail investors, investing in private assets like startups, real estate, and fine art is opaque, highly illiquid, and mostly inaccessible,” shared Andrew Durgee, Head of Republic Crypto, who recently provided testimony at a Congressional session entitled The Future of Digital Assets. “Tokenization solves all of these problems. It’s why we built Republic Wallet, a multi-sig, multi-chain digital wallet designed for a future where most private assets are tokenized.” Republic Wallet is designed to sit at the heart of every Republic community member’s digital asset investment experience, with the following benefits available today: Seamless integration: Republic Wallet serves as the hub for participating in token offerings on Republic, where digital assets can be sent directly and stored securely. By integrating Republic Wallet with the Republic product experience, investors can avoid the burdensome process of creating and managing third-party wallets to receive their assets, and view their owed (off-chain) and received (on-chain) asset balances in one unified interface. : Considering the breadth of Republic’s investment offerings, Republic Wallet had to be optimized for flexibility. Multi-chain capability It was engineered to support multiple blockchains, an advanced capability that makes it possible to manage a variety of digital assets within a single, secure platform. Republic Wallet supports digital assets on Ethereum, Avalanche, and Algorand today, with Bitcoin, Polygon, and others coming soon. Robust security: Republic Wallet is fortified by rigorous testing by Quantstamp, a leading smart contract auditing firm. To provide an extra layer of investor protection, Republic Wallet will be rolling out multi-party computation to optimize private key management by securely dividing, encrypting, and distributing private keys among multiple parties. Simple design: To ensure accessibility to investors of all levels, Republic Wallet’s user experience and interface were designed to feel intuitive even to those who have never interacted with cryptocurrency before. After completing a simple onboarding flow and private key storage, users will be equipped to confidently navigate and transact from Republic Wallet. Republic Wallet’s roadmap aims to build upon this important product within the Republic ecosystem. To start, the 5,000+ holders of the Republic Note, Republic’s digital security, will use the wallet to receive and manage their assets. In the future, Republic investors will be able to earn staking rewards by delegating their digital assets directly from Republic Wallet to the company’s validators. It will also integrate with their secondary market investing experience, making it possible for investors to efficiently trade private assets right from the Republic Wallet interface. Powered in part by increasing private market demand from retail investors, the worldwide tokenization market could reach $24 trillion in financial assets by 2027. With this in mind, the launch of Republic Wallet signifies a key component of the company’s broader efforts to build web3-enabled products that help democratize private investing globally. About Republic Republic is a global technology firm pioneering the digital transformation of finance. The Republic ecosystem is composed of an enterprise-focused digital merchant bank and a network of international retail investment platforms. Republic has made it possible for 3+ million community members across 150+ countries to deploy $2.5+ billion into thousands of private ventures. Backed by Valor Equity Partners, Galaxy Interactive, Morgan Stanley, Hashed, AngelList, and other leading institutions, Republic is headquartered in New York City and has established operations in the US, UK, UAE, and South Korea. Website: republic.com Twitter: twitter.com/joinrepublic LinkedIn: linkedin.com/company/republic.co Contact: David Shack, david.shack@republiccrypto.com. This story was distributed as a release by Chainwire under HackerNoon’s Brand As An Author Program. Learn more about the program here: https://business.hackernoon.com/brand-as-author

Republic Introduces Self-Custodial Multi-Chain Wallet to Global Community 

Republic presenta billetera multicadena de autocustodia a la comunidad global

Republic présente le portefeuille multi-chaînes Self-Custodia à la communauté mondiale

रिपब्लिक ने वैश्विक समुदाय के लिए सेल्फ-कस्टोडिया मल्टी-चेन वॉलेट पेश किया

Republic がセルフカストディア マルチチェーン ウォレットをグローバル コミュニティに導入

Republic apresenta carteira multicadeia de autocustódia para a comunidade global

Republic giới thiệu Ví đa chuỗi tự quản lý cho cộng đồng toàn cầu

Republic向全球社区推出自助托管多链钱包

A study conducted in 2021 showed that of the 121 leading crypto companies, only five were founded by women. However, even though this number is very low, there are women that have contributed to the development of the crypto world immensely. So, how about checking who they are? Note: the last person on the list is someone who doesn’t like being public but has probably made the biggest impact on the industry. Nicole Muniz Former CEO of Yuga Labs, Yuga Labs’ strategic partner and advisor Before Nicole Muniz joined Yuga Labs, she had had the experience of working at JWT and B-Reel. She had her own creative agency called Something New that worked for such brands as Nike and EA. In the last quarter of 2021, Nicole became the CEO of Yuga Labs where she oversaw considerable initiatives of the company and assisted in not just surviving the crypto winter but launching new initiatives. Here are some milestones achieved by her in the company. Yuga Labs and BAYC become household names BAYC becomes a synonym of NFTs worldwide CryptoPunks and Meebits were acquired by Yuga Labs Yuga brings Beeple’s Web3 ecosystem Wenew under its wing The Otherside, BAYC’s metaverse was launched ApeCoin was launched and rallied to a multibillion-dollar market cap on the first day after its launch. In 2023, Muniz was replaced by Daniel Alegre in the CEO position, but she stays a strategic partner and an advisor, and it is expected that with her initiatives, she will continue playing an important role in the company. Elizabeth Stark CEO and co-founder of Lightning Labs Elizabeth Stark entered crypto not by accident. She is a computer scientist and a blockchain entrepreneur, and she used to teach courses on P2P technology and privacy at Stanford and Yale. In 2016, Stark became a co-founder of Lightning Labs, a layer-2 scaling solution for Bitcoin. In 2022, Lightning Network became available as a deposit and withdrawal method for Kraken. The same year, the company raised $70 mln to develop the Taro protocol that enables sending stablecoins across the network. Stripe made Lightning Network transactions available to several Shopify stores. 2023 is also promising to both the company and its CEO. So, MicroStrategy is going to launch some software-as-a-service products based on the Lightning Network. Some other milestones are going to be taken, too. Along with Lightning Labs, Stark also works for Coin Center, a non-profit organization, where she advocates for public policy initiatives that support cryptocurrencies. Cynthia Lummis The U.S. senator Cynthia Lummis purchased some crypto in 2013 and is one of the few senators in the U.S. Congress who supports cryptocurrency. She has always been supporting initiatives in favor of cryptocurrency adoption in the United States. Here is a short timeline of her activities in the Senate. 2021 - assistance in the preparation and launching of the Senate Financial Innovation Caucus. 2022 - assistance in the preparation and introduction of the Responsible Financial Innovation Act aimed at addressing stablecoin regulation, the tax treatment of digital assets, and other important matters in the crypto market. 2023 is expected to be a difficult year for Cynthia Lummis as her boss Sherrod Brown is a crypto opponent, and crypto firms in the USA are facing scrutiny. However, it is expected that she will stay in Congress until 2027, and thus, some support to crypto will be provided. Caitlin Long Founder and CEO of Custodia Bank Caitlin Long is a Bitcoin supporter, an entrepreneur, and a Wall Street veteran. She was a managing director for Morgan Stanley and Credit Suisse in 2016. Further, she was chairman and president of Symbiont.io, a smart contract platform, and in 2020, she launched Custodia Bank, previously known as Avanti Financial Group. Custodia is a payment system provider and a custodian of digital assets. The bank aimed at bridging the gap between the US dollar and Bitcoin, along with other digital assets. Long wanted Custodia to become a Federal Reserve Member and a Federal and Deposit Insurance Corporation Bank, but the responses to her applications were delayed. Caitlin Long remains very optimistic about the future of cryptocurrency despite all the unfavorable events and continues to be one of the most prominent spokeswomen in the industry. Meltem Demirors Coinshares’ Chief Strategy Officer Before turning to crypto, Meltem Demirors worked for multiple companies, among which we can see such names as Dow Chemical, Deloitte Consulting, and even Digital Currency Group. In 2018, she connected her career with Coinshares, the largest in Europe digital asset investment and trading group. Since 2018, she has been there in the position of Chief Strategy Officer. She is also a member of the World Economic Forum’s Global Future Council on Blockchain. Demirors takes part in many conferences, talk shows, and TV programs and continues being a protector of civil and privacy rights and blockchain as a technology that would bring equality to the entire world. Demirors believes that Bitcoin will overcome all difficulties, restart a new bull run in 2023, and reach another all-time high in 2024. She also believes that crypto shall be regulated; however, the interests of the crypto market shall be considered in the first place. Yi He Binance co-founder and the Head of Binance Labs Yi He is a Binance co-founder. She has a significant share in the company (isn’t disclosed) and was responsible for the company’s marketing strategy and brand image until 2022. Now, Yi He is the Head of Binance Labs. Yi He is a woman that made her career on her own, without owing it to her parent’s fortune or support. She grew up in a rural area in China in a very poor family. Her first job was promoting soft drinks giving free samples in front of a local supermarket. In 2012, she started working for a Chinese Television Channel as a TV show host for a travel show. In 2013, she learned about Bitcoin, and in 2014, she switched to work in the cryptocurrency industry. She also became a co-founder of OKCoin and led the startup to become the biggest crypto-to-fiat exchange in China. Further, she served as vice president of Yixia Technology, a video-sharing company. In 2017, her former colleague from OKCoin, Changpeng Zhao, invited her to join a new startup: Binance. After the company raised $15 mln in the Initial Public Offering, CZ offered Yi He to join Binance. She remembers that it was a difficult decision for her because she had to quit a better-paying job. When she finally agreed and left her position as vice president, the BNB token crashed by 50%. She served as CMO until August 2022. Now, Yi He is the head of Binance Labs, a VC arm of Binance. He is also involved in multiple charitable initiatives such as Binance Charity Foundation and Binance for Children. Even though Yi He is more reserved on social networks than CZ, she is respected in the world of cryptocurrency and is for sure one of the most influential women in the sector.

Women in Crypto

The equities market has remained relatively stable over the past week, as several companies in the S&P 500 and Nasdaq released their Q2 earnings reports. Interestingly, the banking sector mostly outperformed Wall Street’s estimates, with Morgan Stanley and Bank of America posting higher earnings. However, on the other hand, Goldman Sachs a 3-year low in profits. reported Whether valuations will hold up next week when the Fed is expected to raise rates by 0.25% is yet to be seen. Bitcoin Erases XRP Ruling Gains is currently trading just below $30.000, down from its last week's high of $31.6K, which was triggered by a favorable ruling in the Bitcoin SEC vs. Ripple case. But more importantly, the move has sparked both positive and negative reactions from stakeholders across the digital asset industry, including crypto natives, traditional banks, and SEC Chair Gary Gensler. Mixed Opinions About the SEC vs. Ripple Ruling JP Morgan and Bank the win a 'groundbreaking victory' for crypto, and in particular, Coinbase exchange, which stands to benefit hugely from the advancements in regulatory clarity. Barclays termed Meanwhile, as expected, SEC Chair Gary Gensler expressed in the ruling and went on to note that the agency is still "looking at the decision and assessing the opinion." disappointment While the ruling’s positive effect on Bitcoin’s price evidently didn’t have enough momentum to hold above the $31.5K resistance, the 7-day moving average of new BTC addresses hit an all-time high of 500,000 this week. As the debate on Bitcoin’s viability continues amid its sideways price discovery fundamentals are slowly improving. Noteworthy Mentions The Stablecoin Debate: Assessing Value Proposition, Stability, and Regulation have become an integral part of the crypto ecosystem in recent years, as more market participants opt for them in favor of fiat trading pairs. However, their rise has not come without controversy. In our latest article, we take a deep dive into the stablecoin landscape, assessing the opportunity, stability, and regulatory challenges. Here is the link to the full . Stablecoins article Industry Shakers FSB finalizes high-level recommendations for regulating crypto-assets and stablecoins The Financial Stability Board has issued final recommendations for regulating global cryptocurrency activities. The recommendations cover appropriate supervision of crypto asset activities and markets, stressing data collection, issuer governance frameworks, and cross-border regulatory cooperation. Additionally, the board has proposed a set of regulations specifically for global stablecoin arrangements, emphasizing robust recovery and resolution plans from issuers. SEC Accepts Blackrock and Valkyrie BTC proposals for review Within a week, the U.S. Securities and Exchange Commission (SEC) accepted a second spot Bitcoin ETF application for review. Valkyrie's proposal, the Valkyrie Bitcoin Fund, was added to the SEC's docket on Monday, following BlackRock's spot Bitcoin ETF proposal acknowledgment on July 13. Valkyrie resubmitted its Bitcoin ETF proposal on June 21, adopting 'BRRR' as the ETF ticker, referencing a meme that mimics the sound of printing money. Celsius Sells Altcoins Worth Over $24 Million After Court Approval Celsius, the troubled crypto lender, has begun selling more than $24 million worth of altcoins, such as Chainlink (LINK), Synthetix Network (SNX), BNB coin, 1Inch, and 0x Protocol (ZRX), among others. This move follows the approval obtained from the bankruptcy court on June 30, allowing Celsius to convert altcoins into Bitcoin (BTC) and Ethereum (ETH) for distribution to its creditors. Adding to the turmoil, Celsius founder and former CEO, Alex Mashinsky was last Thursday. arrested Also published here.

Q2 Earnings in Focus: Market Holds Steady

There are plenty of reasons to be fearful when it comes to tech stock booms on Wall Street. Investors have had to suffer from many false dawns in the past, ranging from the dotcom bubble at the turn of the century to the recent difficulties experienced in sustaining enthusiasm for the metaverse. However, as sweeps the world, some market experts believe that it may amount to something bigger than a bubble. generative AI The success of generative AI platforms like has contributed to a return of optimism to markets like the tech-heavy Nasdaq Composite, which soared more than 30% in the first half of the year following a challenging 2022 punctuated by severe economic headwinds. ChatGPT It’s this significant growth, in the face of lingering headwinds like high inflation, that has set off alarm bells for some analysts, who recognize the parallels between the ongoing AI boom and that of the other bubbles that have infiltrated tech markets in recent years. Goldman Sachs, however, believes that the generative AI rally may be here for good Kash Rangan, software analyst at banking giants Goldman Sachs, for their latest report that “AI may not be in the hype cycle yet. When technology providers agree that a technology shift is really happening, it's real. When customers become interested, it's not hype. Customers are interested.” claimed in an interview In April 2023, Goldman Sachs published an article claiming that its research team anticipates that generative AI could , representing growth of almost $7 trillion. raise global GDP by as much as 7% In addition to this, the same research suggests that the technology could drive productivity growth by 1.5% over the next 10 years. Such astonishing growth levels could have significant implications for a wide range of industries. “The field of artificial intelligence (AI) is growing rapidly and is expected to continue growing in the coming years,” explains Maxim Manturov, head of investment advice at . Freedom Finance Europe “AI can transform a wide range of industries, from healthcare and finance to transport and logistics. Investors may want to keep an eye on companies that are developing innovative AI solutions or integrating AI into their existing operations.” For investors, the far-reaching potential of AI has plenty of upside to tap into through strategic investments. Although the likes of ChatGPT and parent company OpenAI aren’t publicly traded at present, there are many leading tech players with sufficient generative AI exposure that position themselves as excellent options for investors to hold should Goldman Sachs’ estimates of a prolonged boom period come to fruition. With this in mind, let’s explore four of the generative AI stars of tomorrow that are available to buy into today: 1. Microsoft (NASDAQ: MSFT) Although isn’t exactly an up-and-coming player in the world of generative AI, the company has significant exposure to the industry, and we can already see that the firm has made impressive price movements throughout 2023. Microsoft Microsoft has invested heavily in , and Morgan Stanley has recently labeled the tech giant as a ‘Top Pick’ with as much as 22% upside potential from current levels due to its advantageous position in the world of generative AI. OpenAI "Generative AI looks to significantly expand the scope of business processes able to be automated by software, and Microsoft stands best positioned in software to monetize that expansion, which accompanied with a still reasonable valuation makes Microsoft our Top Pick in large-cap software," . explained Morgan Stanley's Keith Weiss 2. NVIDIA (NASDAQ: NVDA) As we can see from its price rallies throughout 2023, is another firm that’s already been benefiting from the rise of . As a graphics card maker, NVIDIA benefits from the rising demand for technology to support artificial intelligence. NVIDIA generative AI According to CEO Jensen Huang, the company sees its future in the production of hardware to support AI. With NVIDIA’s value rising nearly 200% at the time of writing, some investors may worry about whether the firm’s lofty price is really sustainable, but with such an impressive repertoire of clients, the stock’s performance may be justified. NVIDIA makes the world’s highest-performing microchips, and because of this, it’s currently likely that the company will power the generative AI platforms of tomorrow. Considering that the likes of Amazon and Oracle , the company may well position itself at the forefront of the AI charge. both rely on NVIDIA chips 3. Unity Software (NYSE: U) June 2023 saw the value of Unity shares jump 15% as the company announced a range of new AI solutions, and speculative investors believe that this may just be the beginning for the company. At present, Wall Street’s highest price targets for Unity see the company , representing a seismic rally for a stock that’s experienced more than its fair share of turbulence over the course of the year–despite settling at a price that’s still more than 50% ahead of its opening value. climbing to a share price of $66 4. Broadcom (NASDAQ: AVGO) Broadcom is another example of a chipmaker with plenty of room for growth. In fact, the company has recently stated that it expects its alone, despite other areas of the business slowing down. AI-based sales to double in 2023 Although some of Wall Street’s biggest players in generative AI aren’t intrinsically linked to the industry, it’s clear that the all-encompassing growth of artificial intelligence will rely on the wider tech industry to adapt to this brand-new frontier. Should Goldman Sachs be correct in their assessment that the generative AI boom may not be a bubble after all, there will certainly be some key investment opportunities to hold in portfolios.

Goldman Sachs Suggests the ChatGPT Furore Could Last: Analyzing 4 Key Players in AI

গোল্ডম্যান শ্যাক্স পরামর্শ দেয় চ্যাটজিপিটি ফুরোর স্থায়ী হতে পারে: এআই-তে 4 মূল খেলোয়াড়ের বিশ্লেষণ করা

Goldman Sachs geht davon aus, dass der ChatGPT-Aufruhr anhalten könnte: Analyse von 4 Schlüsselakteuren in der KI

Goldman Sachs sugiere que el furor de ChatGPT podría durar: análisis de 4 jugadores clave en IA

Goldman Sachs suggère que le ChatGPT Furore pourrait durer : analyse de 4 acteurs clés de l'IA

गोल्डमैन सैक्स का सुझाव है कि चैटजीपीटी का हंगामा जारी रह सकता है: एआई में 4 प्रमुख खिलाड़ियों का विश्लेषण

ゴールドマン・サックス、ChatGPT騒動は続く可能性を示唆：AIの主要人物4社を分析

Goldman Sachs는 ChatGPT Furore가 지속될 수 있다고 제안합니다: AI의 4가지 핵심 플레이어 분석

Goldman Sachs sugere que o furor do ChatGPT pode durar: analisando 4 participantes importantes em IA

Goldman Sachs, ChatGPT Öfkesinin Sürebileceğini Önerdi: Yapay Zekadaki 4 Önemli Oyuncunun Analizi

Goldman Sachs đề xuất ChatGPT Furore có thể kéo dài: Phân tích 4 người chơi chính trong AI

高盛表示 ChatGPT Furore 可能会持续下去：分析人工智能领域的 4 个关键参与者

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人材の維持と魅力を解き放つ: スタートアップにとってのインパクト重視の目的の力 (ポッドキャスト)

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释放人才保留和吸引力：影响力驱动的初创企业目的的力量（播客）

The ability to conjure up images from your imagination and create them through a text prompt on screen in just a few moments is by far the greatest advancement in technology in the last decade, if not more. The realm of possibilities that comes with generative AI is so mind-blowing that experts and average users alike are still trying to wrap their heads around it. Several programs exist today to facilitate users’ ascent into the new world of AI. Midjourney is a well-known program that performs incredible generative AI, designed to transform natural language prompts into visual representations. Among the machine learning-driven image generators that have recently surfaced, Midjourney has managed to establish itself as a prominent player, standing shoulder to shoulder with renowned AI models like DALL-E and Stable Diffusion. Generative AI has the power and potential to enhance and even completely transform numerous industries, from fashion and architecture to printing, video games, and video production. What once took hours for specialists to create, now takes minutes for anyone with a computer and an imagination. What once amounted to thousands of dollars to create, now costs the much lower amount of a monthly or annual subscription to any of the AI companies offering their services. While this is exciting, it is also worrying to many. Numerous commentators, pundits, and experts, have warned of the looming possibility that generative AI, and AI in general, will likely lead to massive job losses in hundreds of industries. AI has been touted as a “ ” and poses an “ ”, according to some experts. Many warn AI could be used as a “ .” threat to humanity existential threat weapon of mass destruction In late March, more than 1,000 technology leaders, researchers, and other pundits working in and around artificial intelligence an open letter warning that A.I. technologies present “profound risks to society and humanity,” according to the . signed New York Times The signatories included John Hopfield from Princeton and Rachel Branson from the Bulletin of Atomic Scientists, Tesla CEO Elon Musk, and historian Yuval Noah Harari all of whom urged the cessation of AI research to allow for a deeper understanding of the power of AI, its advantages, and what threat it actually poses. The same article also notes that “a estimated that 80 percent of the U.S. workforce could have at least 10 percent of their work tasks affected by L.L.M.s and that 19 percent of workers might see at least 50 percent of their tasks impacted.” paper written by OpenAI researchers According to a recent , automation has the potential to impact around 300 million jobs worldwide, with approximately one-fourth of all work being susceptible to replacement by generative artificial intelligence. Goldman Sachs report The rise of AI-powered chatbots capable of generating content and visuals poses a significant threat to professions such as designers and software engineers, as well as the automation of repetitive tasks currently performed by human workers. On a larger scale, AI is emerging as a force that influences employment, with its implications spanning from top-level executive positions to call center operations, albeit with outcomes that are yet to be fully understood. The published in May, reveals that over 75% of companies are actively considering the adoption of AI technology within the next five years. World Economic Forum's Future of Jobs report, that AI's ability to “rapidly clean, organize and analyze massive data sets, which may include personal data and images, make it possible to be used to manipulate behavior and subvert democracy.” Experts warn There are already examples of such use. AI was allegedly used in this way in the 2016 U.S. presidential election, in the 2017 French presidential election, and in elections in Kenya in 2013 and 2017. The most severe warnings apply to an exceedingly advanced and still hypothetical form of artificial intelligence: self-improving general-purpose AI (AGI). Unlike the way AI currently works, AGI would have the capacity to learn and modify its own code independently, enabling it to perform a wide range of tasks that only humans can do today. Medical experts contend that AGI could theoretically learn how to surpass any constraints in its code and start developing its own objectives, thereby endangering humanity. Putting aside the numerous and serious concerns that AI inadvertently created by no means of its own, the truth is that AI in general and especially generative AI can and will have numerous beneficial applications in numerous industries. Assuming the threats AI presents will be surmountable and dealt with, the groundbreaking technology will be able to be put to work in thousands of ways. Warehouses handling goods and shipments will have better control using AI. Architects can now conjure up detailed plans in moments. Restaurants can figure out which dish is most popular on which day and time of the week and prepare ingredients accordingly. Medicine and public health will benefit greatly from the introduction of AI. , “Morgan Stanley is testing the technology to help its financial advisers better leverage insights from the firm’s more than 100,000 research reports. The government of Iceland has partnered with OpenAI in its efforts to preserve the endangered Icelandic language. Salesforce has integrated the technology into its popular customer-relationship-management (CRM) platform.” According to McKinsey AI is used for marketing and sales, communication, entertainment, and accelerating the R&D process in many industries such as the drug industry. It is already being used for customer service, sales, and IT. Companies will need to create a new C-Suite role for a chief AI officer. Service and call center jobs will have lower barriers to entry. The sky is the limit for now, and companies will need to adapt to ever-changing technology that can either threaten or enhance their business. AI is here to stay, and it can help humanity leap forward to a new and unprecedented level of access, imagination, productivity, and prosperity.

The Concerns and Phenomenal Potential of AI Generators

E-commerce has seen an incredible boom in recent years due to COVID. But even as the pandemic restrictions were mostly lifted across the globe, the conveniences of online shopping are here to stay, and . Morgan Stanley predicts that the e-commerce market will grow . the sector continues growing from $3.3 trillion in early 2022 to $5.4 trillion in 2026 On the other hand, the banking sector is seeing a decline amid rising interest rates, high inflation, and uncertain perspectives for business activity. The red warning light flashed bright in March 2023, as the 16th largest bank in the US, Silicon Valley Bank (SVB), after a bank run. Amid the rising panic, smaller players like Signature Bank . Even the biggest players cannot be regarded as safe anymore, as the Credit Suisse giant was recently taken over . The world’s banking majors like and report profits shrinking by as much as 20%. collapsed followed by its peer, UBS JP Morgan Citigroup At the crossroads of these two major trends, the e-commerce boom and the banking sector turmoil — lies an opportunity known as Banking-as-a-Service (BaaS) and Embedded Finance. Rising tech companies are creating innovative products, like marketplaces and aggregators that, at some point, can leverage financial services. Banks are seeking ways to boost their revenue and client base. Blending these needs is a win-win situation for both sides. According to McKinsey’s estimates, embedded finance market revenue reached $20 billion in the US alone in 2021 and could still . Another estimate by suggests that this segment would grow to over $187 billion globally by 2027, while BaaS platform revenues are set . double within the next three to five years Juniper Research to reach $38 billion, up from $11 billion in 2022 How it works Digital life is becoming more and more complicated, so it is no surprise that customers are increasingly looking for all-in-one solutions. Brought to the pinnacle, this logic leads us to giant ecosystems, combining goods, services, and finance in one seamless experience. As early as 2020, the world’s leading companies were ecosystems. The path to an ecosystem for the biggest players is obvious: acquiring their financial service providers and creating proprietary in-house solutions that would be tailored to the company’s internal systems and demands from the start. This was the strategy pursued by major retailers like and . In a lower league, the need for seamless solutions is satisfied by cooperation with BaaS providers to create an embedded finance experience for customers. Classic banks own and operate the entire value chain, from the banking license to engaging end-user B2B and B2C customers. In BaaS, the value chain is split between partnering companies, enabling them to focus on what they do best and make profits from it. There are (and an infinite number of blends between them) of BaaS services: Walmart IKEA four major models offer their banking licence and products, operations, and/or technology for use by aggregators, other banks, and non-financial companies. One example of this model is Uber, offering its proprietary debit card to new drivers and delivery partners. With this card, they can instantly use money paid for the journeys they performed. Also, they can benefit from cashbacks and incentives from Uber partnering vendors. Another example is SoFi which offers investment products as well as loans in one financial super app. Also, clients can opt for a debit card issued by Bancorp to complete their finance management package. Providers benefit from BaaS by offering banking services to customers of distributor partners, scaling existing assets, and generating incremental revenue at a minimal cost. Providers act like Providers, but also lend their capabilities to other vendors to compose a complete out-of-the-box solution. Shopify is one example of this model, integrating small businesses’ accounts held at Evolve Bank & Trust with an e-commerce platform. Clients are offered debit cards and tools for monitoring their finances. Cash App by Square is another example, offering peer-to-peer payments, investment and cryptocurrency trade. Cards are offered via Marqeta and its banking partner, Sutton Bank. By aggregating other providers, provider-aggregators can offer integrated financial products, which can deepen relationships with distributors. Providers-Aggregators leverage end-customer relationships to offer unique financial services propositions. This model is employed by global players like Facebook, Amazon, and eBay to integrate financial services into marketplaces and ecosystems; by Xero and Shopify to offer B2B services; by retail giants like IKEA, Macy’s and Walmart to offer point-of-sale lending, loyalty programs and co-branded financial services. Finally, it enables players like Wealthfront and Aspiration to offer digital banking and niche fintech services. In this model, providing banking services creates new value for customers, enabling distributor partners to strengthen their core business. Distributors enhance the propositions they distribute by adding new products or technology from multiple providers. For instance, Google Pay offers a digital wallet for conventional and online purchases as well as peer-to-peer payments. Also, it offers tools for finance monitoring and checking and saving accounts with several banking partners. The Lending Club enables small businesses to open and manage their accounts, including payment acceptance. Accounts are enabled by several fintech partners like Alloy for verification and KYC, Treasury Prime for lifecycle APIs and Marqeta for card issuance. By aggregating providers, these players offer the elevated experiences that customers are demanding; for non-financial companies this model enables them to distribute banking services without becoming a bank. Distributor-Aggregators Choosing the right model and partner The primary question is: how are you going to grow your business and what is the primary source of your income. Benefits do not distribute equally along the value chain, so it is important to find the right place in it. Most of it concentrates on the risk-bearing side of providers and on the customer-relationship side of distributors. According to , the majority of revenues from embedded-finance lending products, 55% of the $14 billion in the United States in 2021, accrued to the balance sheet provider, the firm bearing the risk of credit default. However, with payments and deposits, it was the distributors who owned the end-customer relationship who benefited most. In lending, for instance, they earned $4 billion of the remaining $6 billion revenue pool, equal to 30 percent of total revenues. McKinsey research Choosing the right partner among banks may point away from the biggest players. For banks with full-fledged proprietary delivery networks, embedded finance may pose a . However, banks with a smaller retail presence, such as community banks and regional banks, may see it as a good opportunity to grow without making hefty investments in building their own sales funnels. cannibalization risk Another thing to keep in mind is whether you should choose to partner with a BaaS platform provider directly or opt for cooperating with a fintech intermediary to offer embedded finance. Samuel Head, head of EMEA banking sales at Currencycloud, a provider of cross-border multi-currency transaction solutions, suggests a . simple rule of thumb “A company considering embedding financial services simply needs to consider how much ownership they wish to have. And what their end users’ needs are. In the main, if you are not in FinTech, find a FinTech company you can trust to embed a quality service that helps you sell more of your core product or service,’ Head told . “If you are a FinTech, think about using a BaaS supplier. It’s actually a good time to build in redundancy and to be very careful when selecting your partners.” Fintech Global

Enhancing Competitive Advantage in E-commerce Using BaaS and Embedded Finance

GPT-4, arguably the most powerful AI model ever, . has been released The expectation was that this was going to be massive. OpenAI’s announcement does not focus on model size, but on capabilities. They seem impressive, and GPT-4 is purportedly being used at the likes of and Stripe Morgan Stanley. The question I posed just before it was released was — does it matter? My unpopular opinion: probably not as much as ChatGPT, probably not for the reasons you think. I’ve been covering AI since 2016, initially for , then also for . I also happen to have a background and experience in the field. Some people have been wondering about my take on ChatGPT / the Generative AI explosion, as I’ve been kind of silent about it. They’re kind of right. ZDNet VentureBeat I have not been posting either on ZDNet or VentureBeat as of late. The reasons for that are a different, albeit related story. Regardless, if you know or have been following me, my take would probably be not that hard to guess. Here it goes. Do you remember how you joined ? I do, very clearly. It was 2007, after hearing about it from a friend. As someone who has been in technology his entire life, I was not particularly impressed. Yes, Facebook had a user-friendly interface and it worked well. But the thing that stood out about it the most was – I heard about it from a friend. Facebook I’m a digital native, but it’s not because I’m very young. It’s because I came across computers as a kid, adopted them immediately for work and play, and decided that’s what I wanted to do in life. I’ve been writing code and documents since the 80s, using the internet, and communicating via email and apps since the 90s. I have always thought of technology as a force for good – raising productivity, providing access to knowledge, connecting people, and all that. No wonder then, when Facebook came along I thought – hey, looks fun and could make more people go digital. I even invited some of my friends to join. In all honesty, I had forgotten about this embarrassing detail. It was one of my old techie friends who reminded me a couple of weeks back. Being the early adopter among early adopters that I am, my friend was curious to know what I thought of ChatGPT, OpenAI’s recently released AI language model. I’m also a semantics geek who . Maybe that’s why I don’t buy the “AI” hype. When we say “AI”, . It really is tech companies using massive data sets to train models to perform – sometimes useful and/or impressive – imitations of human intelligence. happens to be keeping track of AI for a few years it really is a convention, not something to be taken at face value Still, my friend was right in saying that ChatGPT is AI’s Facebook moment – for better or worse. There was AI before ChatGPT, and there will be AI after it. What made ChatGPT stand out over predecessors like GPT-3 is similar to what made Facebook stand out over predecessors like MySpace. Qualitative and quantitative differences may exist, but that’s not what kept my friends from raving about GPT-3 or MySpace. OpenAI, the makers of ChatGPT, does not lack technical sophistication, cash, or good PR. GPT-3 was already accessible to select members of the press and can be used via an offered and monetized . A first wave of apps built on top of this API is . But it was making ChatGPT easily accessible to the general public that made the difference. API in collaboration with Microsoft already out there Facebook did not become a household name by offering APIs to build on. Facebook offered direct, unfettered access to features like photo sharing and newsfeed. In addition to getting the coverage lots of cash and good PR will get you, opening up platforms like Facebook or ChatGPT to the public gets the early adopter crowd excited and talking about it. This gets the media flywheel turning. Whether genuinely impressed or out of FOMO, . Organic coverage is great and works wonders for growing your user base, but there are some significant ways in which Facebook and ChatGPT are different..or are there? editors will dispatch and journalists will write their takes Facebook made sure that users flock in and are then locked in. After all, as Cory Doctorow put it, once a critical mass of people you cared about were on Facebook, it became effectively impossible to leave. Despite the growing realization of the of Facebook and , not much has changed. ‘enshittification’ efforts to fight back via interoperability protocols Facebook is free, and always will be. That was the slogan it sported on its homepage, . Perhaps the realization that if something is free, it means the product is you hit home. But while a growing part of users may have come to accept the fact that their data is harvested on and off Facebook, , they don’t necessarily understand what the data is used for. until public sentiment changed using every trick in the book and beyond Besides targeted advertising or the , data is also used to develop features and products. Everything from your timeline to is data-driven and AI-powered. More data, more power, more products, more data. occasional genocide image cropping That’s also true for language models like ChatGPT which are trained on huge amounts of data. This is where the really interesting parallels begin. ChatGPT is free to use at the moment, although a subscription plan also exists in addition to API monetization. Microsoft, which has a , is rushing to . multi-billion investment in OpenAI integrate ChatGPT in its Bing search engine Although a mix of and , a plausible reason for the rush is to leverage user interaction to fine-tune ChatGPT. While some guardrails have been added to ChatGPT by , they and more user exposure will help strengthen them. blunders, limitations uncanniness is being exposed in the “New Bing aka Sydney” manually fine-tuning can be sidelined You may be fine with helping build someone else’s product for free, again. But there are more things that Facebook and contemporary AI have in common: funding and agendas. The so-called was . It’s also here to give AI a boost via the Effective Altruism initiative. PayPal Mafia there to give Facebook a boost Insiders like Émile P Torres and Timnit Gebru are issuing stark warnings on Effective Altruism as a and the influence it’s exerting, . Others like Dan McQuillan and Rajiv Malhotra are raising critical voices, calling for a resistance against in the . dangerous secular credo specifically in AI AI as another weapon in Big Tech’s arsenal global battleground for power and control If you still have doubts about the thinking behind this, reading should give you pause. Phrases like “Our mission is to ensure that artificial general intelligence—AI systems that are generally smarter than humans—benefits all of humanity”, especially delivered by and have no problem at all making U-turns on their commitments, read more like a thinly veiled threat than anything else. OpenAI’s “manifesto” for AGI people who think we are all “stochastic parrots” Shouldn’t we, the early digital natives, have known better in 2007? We should. Yet, we still saw technology in a positive light. We underestimated Big Tech’s potential for harm and overestimated people’s ability to see through the lies and manipulation to make technology their own. Isn’t there any ray of hope today? Maybe – but that’s a topic for a different note. One thing is certain: we should not make that . It’s going to be a long and winding road, but we’ll never get anywhere if we don’t know where we stand. mistake of being “dumb f***s” again Originally published on Linked Data Orchestration

ChatGPT’s Facebook-Like Rise: Don’t Get Hooked on Big Tech’s Bait Again

We saw the emergence of a new Generative AI behemoth, OpenAI, with the introduction of ChatGPT on November 2022. ChatGPT serves as a chat-oriented interface for the underlying model it employs. The first version of the chatbot relied on a large language model called GPT-3.5, which sure blew all our minds. But on Tuesday 14th of March 2023, 4 months after the first launch of ChatGPT, OpenAI is pepping things up with the release of GPT-4, a more capable model than previous versions. Initially designed for engaging with GPT-3.5, the chatbot now functions as a medium to interact with GPT-4. https://twitter.com/sama/status/1635687853324902401?embedable=true What can GPT-4 do? The same thing that GPT-3.5 can do, but more. The company said in a blog post, “GPT-4 is more reliable, creative, and able to handle much more nuanced instructions than GPT-3.5.” Since 2018, OpenAI has been disseminating GPT language models, but of all Open AI's huge language models, GPT-4 is not just the newest, but also the most potent. OpenAI reported that it used Microsoft Azure to train the model. Here are a couple of ways GPT-4 compares to GPT- 3.5 GPT-4 accepts visual inputs, and GPT-3.5 doesn’t Given that GPT-4 is "multimodal," as specified by OpenAI, and can comprehend many "modalities" of information, it can be prompted to produce content by both visual and textual cues while GPT-3.5 was essentially able to read and write text. Nevertheless, the company is not deploying its image-description capability immediately, and the GPT-4 version remains available only to subscribers of OpenAI's ChatGPT Plus users and developers, and only supports text. Compared to GPT-3.5, GPT-4 has a larger buffer Simply put, GPT-4 has a longer memory than the previous model. With GPT-3.5 and the previous iteration of ChatGPT, the maximum was 4,096 "tokens," or roughly 8,000 words, while the maximum token count for GPT-4 is 32,768, or around 64,000 words. That’s 8 times more memory capacity. GPT-4 has a variety of "personas." or steerability, unlike GPT-3.5 Steerability refers to the ability to control or influence the output of a language model in a specific direction or style. In other words, it allows users to guide the language model to produce text that fits a particular tone, style, or topic. While GPT-3 does not have built-in steerability features, GPT-4 does.  With GPT-4, developers and ChatGPT users can specify their AI's style and task by giving such directions in the "system" message, as opposed to the traditional ChatGPT personality with a defined verbosity, tone, and style. The company stated that although this feature is currently only accessible to developers, it will soon be made available to ChatGPT users as well. GPT-4 has a broader language range. This means that GPT-4 can understand and generate text in a wider variety of languages than its predecessor GPT-3.5. This is a significant advancement in the field of natural language processing.  According to OpenAI, GPT-4 beats the English-language performance of GPT-3.5 and other LLMs in 24 out of the 26 languages they tested. As a result, GPT-4 can respond accurately to a large number of multiple-choice questions in 26 different languages. GPT-4 has lesser ‘hallucinations’ on facts Even while it does not fully stop hallucinations or making up facts, GPT-4 considerably lessens them in comparison to earlier variants. The company said the updated language model continues to "hallucinate" facts and exhibit flawed logic, though not as bad as GPT-3.5. Hallucinations in the context of language model software refer to the generation of text that appears to be coherent and meaningful but is not actually supported by the input data. This can occur when a language model generates text that is not grounded in the context or is not consistent with the semantic meaning of the input text. In other words, a language model may sometimes generate text that is not accurate or plausible based on the information it has been trained on, resulting in what is commonly referred to as "hallucinations." The model also incorporates social biases and adversarial prompts in addition to the above limitations. OpenAI’s blog post stated, “GPT-4 scores 40% higher than the latest GPT-3.5 on  internal adversarial factuality evaluations.” According to LLMs have learned to mimic human prejudices of race, gender, religion, and class as a result of their training on internet text and visuals. Evidently, AI systems have the potential to perpetuate and amplify existing biases in society, rather than helping to mitigate them. The Washington Post, GPT-4 also has additional restrictions similar to those found in GPT-3.5, one of which is that it still lacks knowledge of events that occurred after September 2021. The ability of others to teach it new things is also limited by the fact that it does not learn from its experiences. Regardless, GPT-4 is still smarter; as it is more accurate, more precise, and has better expertise. The language model has also shown that it is capable of acing exams. According to OpenAI, it scored at the 90th percentile on a mock bar exam, the 93rd percentile on an SAT reading test, and the 89th percentile on an SAT math test. Where is GPT4 currently being used? GPT-4 has the potential to be used in a wide range of applications that require natural language understanding and generation. The language-learning software Duolingo, the payment provider Stripe, the online learning platform Khan Academy, and the financial services company Morgan Stanley were among the companies mentioned in OpenAI's statement that are currently using the new model. Microsoft also reported that its chatbot, BingAI has been using GPT-4 all along, even before the model's public release. “We are happy to confirm that the new Bing is running on GPT-4, which we’ve customized for search, If you’ve used the new Bing preview at any time in the last five weeks, you’ve already experienced an early version of this powerful model.” Yusuf Mehdi, corporate vice president, and chief marketing officer for consumers at Microsoft, wrote in a statement. https://www.youtube.com/watch?v=hdhZwyf24mE&embedable=true GPT-4 "excels in tasks that require advanced reasoning, complicated instruction understanding, and more creativity," according to OpenAI. Users have reported using GPT-4 in a variety of inventive ways in the brief time since its release: https://twitter.com/skirano/status/1635736107949195278?s=20&embedable=true https://twitter.com/YosarianTwo/status/1635780666632687617?s=20&embedable=true The possibilities for this new tool are believed to be endless. https://twitter.com/mckaywrigley/status/1635740909383061504?s=20&embedable=true How can GPT-4 be accessed? Fundamentally, to access ChatGPT, you must first register on the OpenAI , but doing so gives you the option of using only GPT-3.5. You will require a paid subscription to ChatGPT Plus, the more expensive variation of ChatGPT, in order to use GPT-4. website Since Microsoft has confirmed that the new Bing runs on the new model of GPT, it is obvious then that Millions of Bing users can already access it through the chatbot. https://twitter.com/JordiRib1/status/1635694953463705600?embedable=true The new model is also accessible via API, the company stated that they are prioritizing API access for developers that give outstanding model assessments to OpenAI Evals during the slow rollout of GPT-4 in order to learn how they may enhance the model for everyone.

GPT-4 Launches as the Next Generation of Artificial Intelligence Large Language Models

GPT-4 কৃত্রিম বুদ্ধিমত্তা বড় ভাষার মডেলের পরবর্তী প্রজন্ম হিসাবে চালু হয়েছে

GPT-4 wird als nächste Generation großer Sprachmodelle mit künstlicher Intelligenz eingeführt

GPT-4 se lanza como la próxima generación de modelos de lenguaje grande de inteligencia artificial

Lancement de GPT-4 en tant que nouvelle génération de grands modèles de langage d'intelligence artificielle

GPT-4 ने आर्टिफिशियल इंटेलिजेंस के बड़े भाषा मॉडल की अगली पीढ़ी के रूप में लॉन्च किया

次世代の人工知能大言語モデルとして GPT-4 を発表

GPT-4, 차세대 인공 지능 대형 언어 모델 출시

GPT-4 é lançado como a próxima geração de grandes modelos de linguagem de inteligência artificial

GPT-4, Yeni Nesil Yapay Zeka Büyük Dil Modelleri Olarak Piyasaya Sürüldü

GPT-4 ra mắt dưới dạng Mô hình ngôn ngữ lớn trí tuệ nhân tạo thế hệ tiếp theo

GPT-4 作为下一代人工智能大型语言模型推出

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