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UPSTART financial firms that provide services such as early paycheck access or buy-now, pay-later (BNPL) plans have attracted rising interest from customers and investors alike. Fintechs raised nearly US$24 billion globally in the first three quarters of 2024, according to data from CB Insights, and represent a growing competitive threat to traditional banks and asset managers. “We just have to be better, not just than our peer banks but everybody else that’s competing for our customers,” Banco Santander executive chair Ana Botin said at the Bloomberg Women Money & Power conference in London in December. “Accounts tend to be still with us, but payments and value added services are going to others,” Botin told Francine Lacqua. The incoming US administration has made financial deregulation a policy priority for the next four years, and the future of the powerful Consumer Financial Protection Bureau (CFPB) is in question. In Europe, by contrast, policymakers continue to take a cautious approach to the industry. That asymmetry has made the US an attractive market for fintech startups looking for both growth and sources of funding. Below is a look at some of the most-important fintech stories of 2024: When banking-as-a-service provider Synapse Financial Technologies filed for bankruptcy, it served as a reminder of the novel risks posed by “non-traditional” banking arrangements. “Synapse highlighted how the advancements in technology in combination with financial services opened us up to certain risks that we had not thought about before,” said RA Farrokhnia, who teaches at Columbia Business School. Synapse served as a middleman between banks covered by the Federal Deposit Insurance Corporation (FDIC) and third-party fintechs wanting to leverage bank infrastructure to offer financial products. Its collapse has left thousands of fintech customers without access to money in accounts that were, in some cases, advertised as FDIC-insured. There is an estimated US$65 million to US$95 million shortfall between cash available for disbursement and the balance owed to customers recorded in Synapse ledgers, bankruptcy trustee Jelena McWilliams said in a June filing. “This has been incredibly demoralising on our end,” McWilliams said during a status update call with the court in December. “We have thrown all the resources at our disposal to come to the bottom line. Initially, the banks were not corresponding in communicating with each other. We made that process capable and available to them. And were frankly hoping that along the way that would yield the shrinking of the shortfall that was initially identified. That shortfall has not shrunk despite those efforts.” In a joint statement responding to the bankruptcy, the Board of Governors of the Federal Reserve System, the FDIC and the Office of the Comptroller of the Currency said they support “responsible innovation” while “reminding banks of potential risks” associated with such fintech partnerships. And the FDIC has taken up internal initiatives to track fintechs and their bank partners more closely. Chime Financial, which recently filed for a confidential public listing, in May agreed to pay more than US$4.5 million after the CFPB accused the digital bank of failing to refund consumers in a timely manner when their accounts were closed. The San Francisco-based company’s policy originally stated it would send a check with the remaining positive balance no more than 14 days after a customer’s account was closed, regardless of the reason. The consent order said that thousands of customers faced delays in receiving their cash, in some cases waiting over 90 days, and driving some to seek higher cost credit options to bridge the gap. “When Chime discovered the issue, we worked with our vendor to resolve the error and issue refunds to impacted consumers,” Chime said. “We share the Bureau’s goal to create a more competitive and accessible financial landscape that is good for everyday consumers.” Chime offers checking and savings accounts and credit cards to roughly seven million customers across the US, according to the CFPB. The neobank Dave’s hallmark product is a cash-advance feature offering up to US$500, marketed as available in five minutes or less. In November, the Federal Trade Commission (FTC) filed a complaint against the startup that alleged it had misled customers about the amount available to them through the product. The complaint alleged that Dave most commonly offered consumers advances of only US$25, a fraction of what was advertised. Additionally, the FTC noted that on many advances Dave collects a “tip”, typically amounting to 15 per cent of the amount provided to the consumer. Dave also advertised that it would donate a specified number of meals to feed hungry children based on the fee the consumer pays. In reality, according to the FTC complaint, the company typically made a donation amounting to US$1.50 or less. “We are disappointed the FTC has chosen to file suit against Dave,” a spokesperson wrote in a statement provided to Bloomberg News at the time. “We believe this case is another example of regulatory overreach by the FTC, and we intend to vigorously defend ourselves.” Revolut Technologies is the UK’s largest fintech, with a recent valuation of US$45 billion. Offering its services to 50 million customers globally, Revolut gained a long-awaited UK bank license this year and has hinted at plans to pursue a similar license in the US. Revolut’s growth has not come without challenges. Its years-long quest to attain a UK bank license encountered pressure from The European Central Bank (ECB) for the startup to improve financial crime controls and governance procedures. And the firm tops UK rivals in scam complaints. “Revolut takes fraud and the industry-wide risk of customers being coerced by organised criminals, incredibly seriously,” a Revolut spokesperson said. The neobank says it invests heavily in fraud prevention. Revolut employs some 4,000 people to analyse customer transactions to detect unusual payments and cut fraudulent UK transactions by more than 20 per cent in 2023. In 2024, through fraud intervention warnings, the firm has stopped nearly twice as many customers from completing potentially fraudulent transactions compared with 2023, according to the company. Peer-to-peer lending platform SoLo Funds pitched itself as an option for cash-strapped individuals to find an emergency source of funding. The platform connected borrowers with lenders and advertised no mandatory fees or interest: Borrowers could request interest-fee loans of up to US$575 to be repaid within 35 days. By contrast, a class action lawsuit filed against the startup alleged that consumers who thought they were signing up for an interest-free loan but ended up paying a fee masked as a “tip” to the lender and “donations” to the company itself. The startup has also drawn the attention of the CFPB, which alleged in a May complaint that the total cost of some loans serviced by SoLo Funds carried an equivalent annual percentage rate of over 1,000 per cent and that the company hides its “no donation” option. SoLo Funds did not immediately return a request for comment. TomoCredit advertised itself as a way for immigrants and international students to improve their credit scores. The startup’s subscription product stacked up hundreds of customer complaints to the Better Business Bureau, all alleging that cancelling the subscription required extensive conversations with the hard-to-reach customer support teams. Forbes reported in October that the three major credit bureaus – Experian, TransUnion and Equifax – stopped incorporating reports from the startup in their calculations. Eliminating subscription traps is a priority for the FTC, which announced a finalised rule against the practice in October. The rule requires companies to make it as easy to cancel a subscription as it was to sign up for. TomoCredit declined to comment. The CFPB this year issued an interpretive rule confirming that the BNPL lenders that grew in popularity over the pandemic should be treated in some ways such as credit-card providers. That designation requires BNPL providers to offer customers the same rights attached to credit cards, including the right to dispute charges and demand refunds after returning a product. The new guidance was the conclusion of a years-long inquiry from the agency exploring concerns around consumers accumulating debt, regulatory arbitrage and data harvesting. The steps to oversee BNPL firms are in part a response to concerns over consumers racking up “phantom debt” that escapes the notice of credit reporting agencies and runs the risk of individuals overextending themselves. The rule was swiftly met with a legal challenge from a trade group representing some of the buy-now, pay-later firms arguing that the CFPB did not follow necessary procedural steps. BLOOMBERGThe stock market opened in the red as trading for the week began on Monday, December 30, 2024, dragged primarily by media, auto, and IT stocks, in sharp contrast to the rally seen towards the end of last week. Also Read: 2025 personal finance updates: Key changes in UPI, visa, EPFO, credit card, FD, and others At 9:30 am IST, the benchmark BSE Sensex was down by 175.82 points or 0.22%, reaching 78,523.25. Meanwhile, the broader NSE Nifty was down by 49.70 points or 0.21%, reaching 23,763.70. Which stocks fell the most? Among the 30 Sensex stocks, Mahindra & Mahindra Ltd, fell the most by 0.77%, trading at ₹ 3,026.60. This was followed by Infosys Ltd, which was down 0.73%, trading at ₹ 1,902.50 and Titan Company Ltd, which fell by 0.71%, trading at ₹ 3,287. Also Read: EV-maker Ola Electric's CMO, CTO resign citing 'personal reasons' Which sectors fell the most? Among the Nifty Sectoral Indices, Nifty Media fell the most by 0.67%, reaching 1,841.40. This was followed by Nifty Auto, which was down by 0.52%, reaching 22,977.90, and Nifty IT which was down 0.51%, reaching 43,497.30. Also Read: Elon Musk says his $1 billion offer to Wikipedia ‘still stands' How did the stock market perform the previous time? This comes after the stock market closed well into the green after last week's trading session ended on Friday, December 27, 2024. The Sensex closed at 78,699.07, which was a gain of 226.59 points or 0.29%, while the Nifty closed at 23,813.40, which was a gain of 63.20 points or 0.27%.

Share Tweet Share Share Email Buffet dining has long been celebrated for its variety and abundance. However, as customer expectations evolve and technology reshapes industries, buffets are experiencing a revolution that is transforming the traditional “all-you-can-eat” experience into a modern, efficient, and personalized culinary adventure. The Rise of Smart Buffets Technology has become the cornerstone of innovation in the buffet industry. Restaurants are integrating smart solutions to streamline operations and enhance Golden Corral Menu customer experiences. For instance: AI-Powered Food Monitoring : Smart sensors and AI systems help monitor food levels, ensuring popular dishes are refilled promptly. This reduces waste and keeps diners satisfied. Touchless Technology : In the wake of the COVID-19 pandemic, touchless serving solutions—such as automated food dispensers and digital menu with liteblue login systems—have gained popularity, ensuring hygiene and safety. Digital Reservations : Apps and online platforms allow diners to book buffet slots, reducing overcrowding and offering a seamless dining experience. Data-Driven Dining Experiences Buffet restaurants are now leveraging data analytics to understand customer preferences better. Using point-of-sale systems and customer feedback tools, restaurants can identify trends such as which dishes are most popular or which times of day see the highest traffic. This data enables restaurants to: Optimize menus to align with customer tastes. Adjust food quantities to minimize waste. Offer personalized promotions to frequent diners. Sustainability at the Core Environmental consciousness is reshaping buffet practices with Golden Corral Prices . Many establishments are adopting sustainable practices such as: Composting and Recycling : Leftovers and waste are managed more responsibly through composting and recycling programs. Sourcing Locally : Partnering with local farmers and suppliers reduces carbon footprints and ensures fresher ingredients. Smaller Portions : Offering smaller portion sizes encourages diners to sample multiple items while reducing food waste. Immersive Dining with AR and VR Some high-end buffet restaurants are taking customer engagement to the next level with augmented and virtual reality. Imagine an AR menu that displays 3D visuals of each dish or a VR experience that transports you to the origins of a dish’s ingredients. These immersive technologies not only entertain but also educate diners, creating a memorable dining journey. Challenges and Opportunities While technology offers numerous benefits, it also presents challenges for buffet operators. The initial cost of implementing advanced systems can be prohibitive, and training staff to use new technologies requires time and resources. However, the long-term advantages—such as improved efficiency, reduced waste, and enhanced customer satisfaction—make it a worthwhile investment like Liteblue did. Conclusion The buffet industry is undergoing a remarkable transformation. By embracing technology, prioritizing sustainability, and enhancing personalization, buffet restaurants are not just adapting to modern demands—they are redefining the dining experience. As these trends continue to evolve, the future of buffets promises to be as diverse and satisfying as the offerings on their tables. Read More articles at https://goldencorralmenu.us/ & https://iliteblue.us/ The Future of Buffets The buffet industry is undergoing a remarkable transformation. By embracing technology, prioritizing sustainability, and enhancing personalization, buffets are not merely adapting to changing times—they are leading the charge toward a smarter, greener, and more engaging future. As these trends continue to evolve, the future of buffets promises to be as diverse , innovative, and satisfying as the offerings on their tables. Related Items: Buffet dining , dining Share Tweet Share Share Email Recommended for you Why is Langham Hotel’s Private Dining so Famous From Fine Dining to Casual Eats: The Best Restaurants for Every Occasion Dine like Royalty: The Most Luxurious Restaurants You Need to Experience Comments

51 men were charged with raping her: Gisele Pelicot gives closing statement in shocking French trialLOS ANGELES (AP) — After struggling to run the ball consistently all season, the Los Angeles Rams finally made some progress on the ground in New Orleans. Kyren Williams and rookie Blake Corum carried the Rams (6-6) to a 21-14 win that kept them squarely in the playoff race for another week. Los Angeles racked up a season-high 156 yards rushing against the Saints, with Williams going for 104 yards and a touchdown while Corum added 42 yards on a season high-tying eight carries. The game was the inverse of most afternoons this season for the Rams, who came into the week averaging fewer than 100 yards rushing per game. The running game was sturdy and productive, while Matthew Stafford and his receivers struggled to get into a rhythm at the Superdome. Coach Sean McVay always prefers to use his run game to set up the pass, and it finally worked for once this season. “I thought Kyren ran really well," McVay said. “I thought Corum ran really well. I thought our offensive line set the line of scrimmage in the run game. We really started slow in the pass game, but I thought Matthew was excellent in the second half. We were able to get some different things off of those run actions going, and that ended up being the difference in the game.” Not coincidentally, the Rams' running game worked well on the Sunday when the offensive line finally had a starting five uncompromised by injuries or suspension for the first time all season. Right tackle Rob Havenstein returned from an ankle injury, making the group whole around rookie center Beaux Limmer, who has beaten out high-priced free agent Jonah Jackson for a starting job. The Rams still had yet another slow start in a season full of them. They ran only three plays in the entire first quarter, and they were held scoreless in the first half when their other two drives resulted in a turnover on downs and a punt. But Los Angeles rebounded with an 11-play scoring drive to open the second half featuring seven runs by Williams. He eventually moved up to fifth in the NFL with 926 yards rushing despite averaging just 4.2 yards per carry — nearly a yard less than he had last season, and the lowest average among the league's top 10 rushers this season. The Rams have thrived without a strong rushing attack before: They averaged just 99.0 yards per game on the ground, ranking 25th in the NFL, during their Super Bowl championship season in 2021-22. But McVay prefers his first option to be a strong running attack, which he had during his first three seasons in charge with Todd Gurley in the backfield and Andrew Whitworth at left tackle. “Anytime the guys up front are moving them, and (Williams) is making great reads and moves on the second level, then that is a fun feeling for the offense," Stafford said. “It’s great when you can hand the ball off and get big creases. We converted when we needed to in short-yardage stuff. I thought our guys did a really great job up front, and Kyren ran it great.” What's working The Rams have struggled in the red zone all season, but they scored touchdowns on all three trips in New Orleans. They did it by committing to the run game up the middle, setting up TD passes on the outside to Demarcus Robinson and Puka Nacua. What needs help Alvin Kamara racked up 112 yards rushing in the latest strong game by an opposing running back. Los Angeles is 28th in the league against the run, allowing 144.2 yards rushing per game — including 194 per game over the past three weeks. Stock up Rookie edge rusher Jared Verse had another outstanding game, racking up five tackles, three quarterback hits and numerous big plays that don't show up on stat sheets. He capped the performance by hitting Derek Carr from behind and forcing an incompletion from the Los Angeles 9 on New Orleans' final play. Stock down Cornerback Darious Williams gave up a touchdown pass to Marquez Valdes-Scantling and the ensuing 2-point conversion pass to Dante Pettis early in the fourth quarter, capping a second straight rough week for the free-agent signee. Williams is the Rams' best cornerback, but they haven't had an above-average shutdown pass defender since trading Jalen Ramsey. Los Angeles added cornerback depth Monday, claiming 2023 first-round pick Emmanuel Forbes off waivers from Washington. Injuries Robinson injured his hand during the game, and Stafford incurred a lateral ankle sprain. McVay said he doesn't expect either injury to affect the veterans' preparations this week. Key number 17 — Cooper Kupp's yards receiving. That's his lowest total in a game in which he didn't get injured since Oct. 18, 2020. Kupp had only six targets, few downfield routes and curiously scant chances to make big plays. Next steps The Rams are home underdogs this week against powerhouse Buffalo, followed by a Thursday night game at San Francisco. Getting even one win out of these two matchups will be difficult, but probably necessary to keep pace with Seattle and Arizona in the NFC West. ___ AP NFL: https://apnews.com/NFL Greg Beacham, The Associated Press

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Ohtani wins third MVP, while Judge takes his secondKerala Lottery Result Today: Win Win W 802 Winning Numbers For December 30, 2024Jimmy Carter, the 39th US president, has died at 100 ATLANTA (AP) — Former U.S. President Jimmy Carter has died. He was 100 years old and had spent roughly 22 months in hospice care. The Georgia peanut farmer served one turbulent term in the White House before building a reputation as a global humanitarian and champion of democracy. He defeated President Gerald Ford in 1976 promising to restore trust in government but lost to Ronald Reagan four years later amid soaring inflation, gas station lines and the Iran hostage crisis. He and his wife Rosalynn then formed The Carter Center, and he earned a Nobel Peace Prize while making himself the most internationally engaged of former presidents. The Carter Center said he died peacefully Sunday afternoon in Plains, Georgia, surrounded by his family. Jimmy Carter: Many evolutions for a centenarian ‘citizen of the world’ PLAINS, Ga. (AP) — The 39th and longest-lived U.S. president, James Earl Carter Jr., died Sunday at the age of 100. His life ended where it began, in Plains, Georgia. He left and returned to the tiny town many times as he climbed to the nation’s highest office and lost it after four tumultuous years. Carter spent the next 40 years setting new standards for what a former president can do. Carter wrote nearly a decade ago that he found all the phases of his life challenging but also successful and enjoyable. The Democrat's principled but pragmatic approach defied American political labels, especially the idea that one-term presidents are failures. The Latest: Former President Jimmy Carter is dead at age 100 Former President Jimmy Carter has died at the age of 100. The 39th president of the United States was a Georgia peanut farmer who sought to restore trust in government when he assumed the presidency in 1977 and then built a reputation for tireless work as a humanitarian. He earned a Nobel Peace Prize in 2002. He died Sunday, more than a year after entering hospice care, at his home in Plains, Georgia. Carter was sworn in as president on Jan. 20, 1977, after defeating President Gerald R. Ford in the 1976 general election. He left office on Jan. 20, 1981, following his 1980 general election loss to Ronald Reagan. Jimmy Carter: A brief bio Former U.S. President Jimmy Carter has died at his home in Plains, Georgia. His death comes more than a year after the former president entered hospice care. He was 100 years old. Jetliner skids off runway and bursts into flames while landing in South Korea, killing 179 SEOUL, South Korea (AP) — A jetliner skidded off a runway, slammed into a concrete fence and burst into flames in South Korea after its landing gear apparently failed to deploy. Officials said all but two of the 181 people on board were killed Sunday in one of the country’s worst aviation disasters. The 737-800 operated by Jeju Air plane arrived from Bangkok and crashed while attempting to land in the town of Muan, about 290 kilometers (180 miles) south of Seoul. Footage of the crash aired by South Korean television channels showed the plane skidding across the airstrip at high speed, evidently with its landing gear still closed. Tornadoes in Texas and Mississippi kill 2 and injure 6 as severe weather system moves east HOUSTON (AP) — A strong storm system is threatening to whip up tornadoes in parts of the U.S. Southeast, a day after severe weather claimed at least two lives as twisters touched down in Texas and Mississippi. Strong storms moving eastward Sunday are expected to continue producing gusty, damaging winds, hail and tornadoes through Sunday. That is according to National Weather Service meteorologist Frank Pereira. So far, the line of severe weather has led to about 40 tornado reports from southeastern Texas to Alabama, Pereira said, but those reports remain unconfirmed until surveys of damage are completed. Israeli hospital says Netanyahu has undergone successful prostate surgery TEL AVIV, Israel (AP) — An Israeli hospital says Prime Minister Benjamin Netanyahu has undergone successful prostate surgery. Jerusalem’s Hadassah Medical Center said his prostate was removed late Sunday and that he was recovering. Netanyahu’s office had said Justice Minister Yariv Levin, a close ally, would serve as acting prime minister during the procedure. Doctors ordered the operation after detecting an infection last week. Netanyahu is expected to remain hospitalized for several days. With so much at stake, Netanyahu’s health in wartime is a concern for both Israelis and the wider world. Syria's de facto leader says it could take up to 4 years to hold elections BEIRUT (AP) — Syria’s de facto leader has said it could take up to four years to hold elections in Syria, and that he plans on dissolving his Islamist group that led the country’s insurgency at an anticipated national dialogue summit for the country. Ahmad al-Sharaa, who leads Hayat Tahrir al-Sham, the group leading the new authority in Syria, made the remarks in an interview Sunday. That's according to the Saudi television network Al-Arabiyya. It comes almost a month after a lightning insurgency led by HTS overthrew President Bashar Assad’s decades-long rule, ending the country’s uprising-turned civil war that started back in 2011. A fourth infant dies of the winter cold in Gaza as families share blankets in seaside tents DEIR AL-BALAH, Gaza Strip (AP) — A fourth infant has died of hypothermia in Gaza, where hundreds of thousands of Palestinians displaced by nearly 15 months of war are huddled in tents along the rainy, windswept coast as winter arrives. The baby's father says the 20-day-old child was found with his head as “cold as ice” Sunday morning in their tent. The baby’s twin brother was moved to the intensive care unit of Al-Aqsa Martyrs Hospital. Their father says the twins were born one month premature and spent just a day in hospital, which like other Gaza health centers has been overwhelmed and only partially functions. Musk causes uproar for backing Germany's far-right party ahead of key elections BERLIN (AP) — Tech entrepreneur Elon Musk has caused uproar after backing Germany’s far-right party in a major newspaper ahead of key parliamentary elections in the Western European country, leading to the resignation of the paper’s opinion editor in protest. Germany is to vote in an early election on Feb. 23 after Chancellor Olaf Scholz’s three-party governing coalition collapsed last month in a dispute over how to revitalize the country’s stagnant economy. Musk’s guest opinion piece for Welt am Sonntag, published in German over the weekend, was the second time this month he supported the Alternative for Germany, or AfD.