3 ways AI and machine learning can boost your card portfolio

first_img continue reading » According to Forbes Magazine, global revenue derived from artificial intelligence (AI) for enterprise applications is projected to grow at more than 52 percent annually, from “$1.62B in 2018 to $31.2B in 2025.” The share of U.S. jobs requiring AI skills has grown “4.5X since 2013.” And 84 percent of enterprises “believe investing in AI will lead to greater competitive advantages.”While AI, machine learning and related technologies are poised to transform the future of fintech, what do these tools mean for credit unions, and how can they be applied to unleash growth opportunities?“AI presents an enormous opportunity for credit unions to transform the member experience on many levels,” said Fotis Konstantinidis, SVP of Fraud Products and Data Scientist for CO-OP.  “By analyzing millions of data points about your members’ spending and transaction history, a sophisticated AI platform can help you uncover deep insights about your members and engage with them on a more personal level.”Take card portfolios, for example. Credit unions can leverage the power of AI in varying degrees of complexity to gather and analyze member data points ranging from membership accounts, activation rates and number of transactions by category (PIN, signature and credit) to average ticket, revenue and expense. Benchmarking this type of data can help credit unions develop more informed penetration, activation and usage (PAU) strategies – and execute more successful marketing campaigns as a result. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

IPL in a nutshell: Sunrisers Hyderabad snatch final play-off spot as Kolkata Knight Riders miss out | Cricket News

first_imgRashid Khan (L) and David Warner have played key roles in Sunrisers Hyderabad's surge into the IPL play-offs
Rashid Khan (L) and David Warner have played key roles in Sunrisers Hyderabad's surge into the IPL play-offs

Lemon aid

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Human Rights Watch calls for independent investigation into Freeport shooting

first_imgPapua has been the hotbed of separatism for years and armed groups, which authorities say operate in several regencies in the province, are reported to have been behind numerous violent incidents in the region.Earlier this month, the police said some 790 people fled their homes in mountainous areas around the Freeport mining site to take refuge at the Tembagapura Police headquarters in Timika over fears of an armed criminal group, which had reportedly terrorized the villagers.Security authorities previously reported that armed groups had been shooting at Indonesian Military (TNI) and police guard posts. The residents’ access to basic needs, such as food and health care, had reportedly been restricted by armed men who blocked roads.Authorities also claimed the locals were still traumatized from their previous encounter with the armed group in November 2017, when its members blocked access into and out of several villages.Topics : Human Rights Watch (HRW) has called for an independent investigation into the recent murder of a New Zealander Freeport employee by members of an armed group in Mimika regency, PapuaGraeme Thomas Wall, an employee of gold and copper mining company PT Freeport Indonesia, was shot dead by gunmen in Timika last week.Two of Wall’s colleagues, Jibril Wahar and Yosephine, were admitted to Tembagapura Hospital with serious injuries, while four other people sustained minor injuries and were treated in the office. HRW researcher Andreas Harsono said that while Indonesian police should investigate the attack and bring the perpetrators to account, he was worried about a potential violation of the rights of ordinary Papuans.“The New Zealand police should offer to send a team to help the Indonesian investigators. A criminal investigation in a place such as Timika, with numerous competing political and business interests, is best carried out by an independent investigative team removed from local issues,” Andreas said.As well as investigating this latest killing swiftly, Andreas said that the Indonesian government should also allow independent journalists, including from New Zealand’s media, to enter Papua without the region’s highly restrictive travel permit, so that they can freely investigate and report on this crime, he added.Although the Papua Police initially focused their investigation on an armed gang commanded by a person named Joni Botak, separatist group the West Papua National Liberation Army (TPNPB) has claimed responsibility for the shooting.  last_img read more

Opportunity knocks for new owners of 1950s-built residence set on a large Clayfield block

first_imgThe home is in a beautiful family neighbourhood.Located beside a double carport, the main entry leads into an expansive living room with soft carpet and antique-style sconces. High ceilings and decorative cornices flow throughout the ground floor, which features a sunken rear sunroom with large windows and airconditioning. It connects to a private study overlooking the back yard. Looks like home to me.Positioned beside the games room, the main bedroom has its own balcony access, built-in wardrobes, ceiling fan and tiled ensuite.Outside, brick stairs connect the sunroom to a spacious fully-fenced back yard, which has a shed and is surrounded by established gardens and hedging. The laundry is found in a sub-floor cellar accessible from outside. A veranda large enough for the whole family.More from newsMould, age, not enough to stop 17 bidders fighting for this homeless than 1 hour agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investorless than 1 hour agoThe nearby kitchen has ample benchtops, generous cabinetry and quality appliances, as well as a dedicated dining room with double casement windows.Three carpeted bedrooms with large windows and built-in wardrobes reside at one end of the ground floor, along with a shared bathroom featuring glass shower. Timber stairs lead up to the first floor, which has a spacious games room complete with custom bar, separate storage area and billiards table. Sliding doors open it out onto a covered balcony with neighbourhood views. 11 Liverpool Rd, Clayfield.NESTLED on an elevated 739sq m block, this charming 1950s-built house captures country-village tranquillity within Brisbane’s inner city, thanks to sprawling lawns and outdoor entertaining areas.A tiered front yard with established hedging and colourful flowers sits beside a brick driveway with ample outdoor parking.The four bedroom, two bathroom, double car garage home at 11 Liverpool Road, Clayfield is open for inspection from noon to 12.30pm Saturday September 23. Neat as a pin.Gardened pathways run along the sides, offering refreshing space and scenic views from every ground-floor room. Located in Clayfield, the property is 5.5km from the Brisbane CBD and a short walk from Racecourse Rd shopping and dining. It also grants convenient access to Brisbane Airport, Portside Wharf entertainment and the Royal Queensland Golf Club. Agent Damon Lewis of Ray White New Farm said this was a rare house that not only provided immediate livability, but also offered buyers the chance to create their own dream Brisbane residence through renovations or complete reconstruction. The property will go under the hammer on site at 11am on October 7.last_img read more

Lamprell to build two jack-up rigs for Saudi market

first_imgLamprell has received a letter of intent (LOI) from International Maritime Industries Company (IMI), the Saudi maritime joint venture in which Lamprell is a partner, confirming the intent to award Lamprell the contract for the construction and delivery of two jack-up drilling units.Source: PixabayThe rigs will be built collaboratively between the IMI and Lamprell for delivery to IMI’s end client, Lamprell said on Thursday.There are ongoing discussions between the end client, IMI, and Lamprell to conclude the specifications and contract terms which, once determined, will result in final contract signing for the rigs.The rigs will be built according to the Schedule G requirements for operations in Saudi Arabian waters. Lamprell will undertake most of the fabrication work for both jack-up rigs at its Hamriyah yard, in the United Arab Emirates while maximizing work in Saudi Arabia to approximately 15% of the scope of work.Christopher McDonald, CEO, Lamprell, said: “I am very pleased to receive this letter of intent from IMI for the first two jack-up rigs to be built by IMI and Lamprell. This is a significant step forward for the Saudi maritime yard.“Following Lamprell’s recent announcement regarding its ascension to Saudi Aramco’s long-term agreement program, this is a further demonstration of the importance of the Saudi Arabian market to our strategic aspirations. The developing relationship between IMI and Lamprell will continue to be enhanced as we construct these rigs and we are excited by the opportunity to collaborate with them on such an innovative and important project.”last_img read more

Damning report rewritten after ‘war-room’ meetings

first_imgNZ Herald 13 November 2015A damning report by an education watchdog about babies and toddlers was partially rewritten after high-level meetings about its “risk” to the Government.Documents show Ministry of Education advisers also tried to mitigate the impact of the Education Review Office report by planting good-news stories to balance negative media coverage, and carefully crafting a communications “narrative” during “war-room” meetings before its release.Politicians and sector experts say the behaviour is concerning, and have raised queries about potential political interference in an independent body, plus a lack of transparency at the agencies.The departments involved have rejected allegations of interference. The ministry said any changes made were a “decision for ERO”.The ERO said “neither the Ministry of Education nor the minister directed or influenced the report in any way”.Keep up with family issues in NZ. Receive our weekly emails direct to your Inbox.The circumstances surrounding the release of the ERO report, “Infants and toddlers: competent and confident communicators and explorers”, were revealed in emails between ministry staff that the Herald obtained under the Official Information Act.They show staff frantically planning for the release of the study – which found almost half of early childhood centres were not doing enough for under-3s in vital developmental areas, and therefore not meeting their curriculum requirements.The finding followed a series of other reports that highlighted issues with the quality of early childhood education, and urged the Government to raise standards. The worst of those pointed out that poor-quality early childhood education can be harmful for children.The most recent study was undertaken in early 2014. ERO sent it to the ministry in February this year, after peer-review and consultation. It initially recommended the ministry use the findings of the evaluation to “form policy development impacting on the education and care of infants and toddlers”. This then changed, with ERO suggesting the report be shared with the Advisory Group on Early Learning, with emphasis on the curriculum. Initial communications plans were drafted, but it then sat in limbo until July, when ERO decided to make it public. The report was sent to the minister’s office on July 31.http://www.nzherald.co.nz/nz/news/article.cfm?c_id=1&objectid=11544478last_img read more

FAITH VS FEAR: City gov’t cancels religious gathering due to COVID-19

first_imgOffice of Civil Defense (OCD) regionaldirector Jose Roberto Nuñez recommended to the Provincial Disaster Risk Reductionand Management Council of Kalibo that arriving South Koreans be temporarilyquarantined in one facility such as the Aklan Training Center. ILOILO City – A huge religiousgathering at the La Paz district plaza football pitch tomorrow won’t pushthrough. The city government cancelled the permit it issued to organizers dueto concerns over the possible spread of the coronavirus disease 2019(COVID-19). From what he had so far gathered, saidTreñas, four South Koreans from Daego City were already here and theirwhereabouts were being traced. Aside from cancelling the RUN forJesus 2020 permit, Treñas also appealed to Iloilo City-bound South Koreans tovoluntarily self-quarantine themselves even if they do not fall under thecategory of Persons Under Monitoring (PUMs) based on the DOH decision tool. The main signs of COVID-19 infectionare fever and a cough as well as shortness of breath and breathing difficulties. Frequent hand washing with soap orgel, avoiding close contact with people who are ill and not touching the eyes,nose and mouth with unwashed hands can help cut the risk of infection,according to the World Health Organization (WHO). Global cases of the virus have passed80,000, the vast majority in China. Yesterday at around 3:30 p.m. 16 SouthKoreans from Daego City were expected to arrive – via Incheon City – at theKalibo International Airport in Kalibo, Aklan. South Korean authorities haveidentified the fringe Christian group Shincheonji Church as being at the heartof the COVID-19 outbreak in that country, according to a British BroadcastingCo. (BBC) report. At their services in the south-eastern city of Daegu, memberslikely infected one another and then fanned out around South Korea, apparentlyundetected. The RUN for Jesus 2020 is an outdoorreligious convention. RUN stands for “revival and unity”. It is expected toattract between 20,000 to 30,000 participants, some of whom are from SouthKorea and members of a religious sect that is suspected to be at the heart ofthe COVID-19 outbreak in that country, according to Mayor Jerry Treñas. One of the guest speakers at thereligious convention would have been Sen. Manny Pacquiao who identifies himselfas a born-again Christian and a pastor. Treñas said 45 religious pastors fromSouth Korea were also coming over. The cancellation of the event’spermit, according to Treñas, was recommended by the City Health Office, CityDisaster Risk Reduction and Management Office, Iloilo Provincial Health Office,City Legal Office, and Department of Health Region 6. FAITH IN THE TIME OF A VIRUS OUTBREAK. Masked devotees of Nuestra Señora dela Candelaria (Our Lady of Candles) light candles at the Jaro Metropolitan Cathedral in Jaro, Iloilo City. IAN PAUL CORDERO/PN In South Korea, 10 people have now died after contracting the virus,with infections reaching 977 as of yesterday. It has seen by far the highestnumbers of COVID-19 cases outside of China where the infections started inDecember 2019. “We are very concerned,” said Treñas. On Monday, WHO said the world shoulddo more to prepare for a possible pandemic – a situation where an infectiousdisease spreads easily between people in many countries./PNlast_img read more

Golf outing to remember local teens fatally injured planned

first_imgNew Point, In. — The North Branch Golf Course will host the NBC Scholarship Saturday, June 23. The NBC Scholarship keeps the memory of three local youths killed in a traffic accident on the way to detassel corn in July of 1983. Neal Nobbe, David Brown and Phil Conover make up the “NBC” of the event name.Tee time is at 8 a.m., the cost is $60 per person and a meal is provided. There is also a chance to win $500 for a hole-in-one shot on hole #7.For more information please call 812-569-5382.last_img

Batesville Boosters to host supper for BHS and BMS Band

first_imgBatesville, IN—The Batesville Music Boosters are hosting a Spaghetti Supper to support the Batesville High School and Middle School bands on Friday, January 31 from 4:30 to 6 pm at the Batesville High School Cafeteria. The cost is $8 in advance and $10 at the door.  Children under 12 at $5.  The Boys Junior Varsity and Varsity Basketball team will play at home that evening vs North Decatur High School.last_img