WebAgora que já sabemos quem é Howard Gardner, vamos entender qual é a importância do seu trabalho para a sociedade. Já atraído por essa área de estudo, Gardner recebeu influências do trabalho do norte-americano Robert Sterberg, que estudou as variações do conceito de inteligência inserido em diversas culturas Web12/10/ · Microsoft pleaded for its deal on the day of the Phase 2 decision last month, but now the gloves are well and truly off. Microsoft describes the CMA’s concerns as “misplaced” and says that Web26/10/ · Key Findings. California voters have now received their mail ballots, and the November 8 general election has entered its final stage. Amid rising prices and economic uncertainty—as well as deep partisan divisions over social and political issues—Californians are processing a great deal of information to help them choose state constitutional WebSocial Video Factory Web20/10/ · That means the impact could spread far beyond the agency’s payday lending rule. "The holding will call into question many other regulations that protect consumers with respect to credit cards, bank accounts, mortgage loans, debt collection, credit reports, and identity theft," tweeted Chris Peterson, a former enforcement attorney at the CFPB who ... read more
The Californians and Their Government survey is supported with funding from the Arjay and Frances F. Findings in this report are based on a survey of 1, California adult residents, including 1, interviewed on cell phones and interviewed on landline telephones. The sample included respondents reached by calling back respondents who had previously completed an interview in PPIC Statewide Surveys in the last six months.
Interviews took an average of 19 minutes to complete. Interviewing took place on weekend days and weekday nights from October 14—23, Cell phone interviews were conducted using a computer-generated random sample of cell phone numbers.
Additionally, we utilized a registration-based sample RBS of cell phone numbers for adults who are registered to vote in California. All cell phone numbers with California area codes were eligible for selection. After a cell phone user was reached, the interviewer verified that this person was age 18 or older, a resident of California, and in a safe place to continue the survey e. Cell phone respondents were offered a small reimbursement to help defray the cost of the call. Cell phone interviews were conducted with adults who have cell phone service only and with those who have both cell phone and landline service in the household.
Landline interviews were conducted using a computer-generated random sample of telephone numbers that ensured that both listed and unlisted numbers were called. Additionally, we utilized a registration-based sample RBS of landline phone numbers for adults who are registered to vote in California.
All landline telephone exchanges in California were eligible for selection. For both cell phones and landlines, telephone numbers were called as many as eight times.
When no contact with an individual was made, calls to a number were limited to six. Also, to increase our ability to interview Asian American adults, we made up to three additional calls to phone numbers estimated by Survey Sampling International as likely to be associated with Asian American individuals. Accent on Languages, Inc. The survey sample was closely comparable to the ACS figures. To estimate landline and cell phone service in California, Abt Associates used state-level estimates released by the National Center for Health Statistics—which used data from the National Health Interview Survey NHIS and the ACS.
The estimates for California were then compared against landline and cell phone service reported in this survey. We also used voter registration data from the California Secretary of State to compare the party registration of registered voters in our sample to party registration statewide. The sampling error, taking design effects from weighting into consideration, is ±3. This means that 95 times out of , the results will be within 3.
The sampling error for unweighted subgroups is larger: for the 1, registered voters, the sampling error is ±4. For the sampling errors of additional subgroups, please see the table at the end of this section. Sampling error is only one type of error to which surveys are subject. Results may also be affected by factors such as question wording, question order, and survey timing. We present results for five geographic regions, accounting for approximately 90 percent of the state population.
Residents of other geographic areas are included in the results reported for all adults, registered voters, and likely voters, but sample sizes for these less-populous areas are not large enough to report separately. We also present results for congressional districts currently held by Democrats or Republicans, based on residential zip code and party of the local US House member.
We compare the opinions of those who report they are registered Democrats, registered Republicans, and no party preference or decline-to-state or independent voters; the results for those who say they are registered to vote in other parties are not large enough for separate analysis.
We also analyze the responses of likely voters—so designated per their responses to survey questions about voter registration, previous election participation, intentions to vote this year, attention to election news, and current interest in politics. The percentages presented in the report tables and in the questionnaire may not add to due to rounding.
Additional details about our methodology can be found at www. pdf and are available upon request through surveys ppic. October 14—23, 1, California adult residents; 1, California likely voters English, Spanish. Margin of error ±3. Percentages may not add up to due to rounding. Overall, do you approve or disapprove of the way that Gavin Newsom is handling his job as governor of California?
Overall, do you approve or disapprove of the way that the California Legislature is handling its job? Do you think things in California are generally going in the right direction or the wrong direction? Thinking about your own personal finances—would you say that you and your family are financially better off, worse off, or just about the same as a year ago? Next, some people are registered to vote and others are not.
Are you absolutely certain that you are registered to vote in California? Are you registered as a Democrat, a Republican, another party, or are you registered as a decline-to-state or independent voter? Would you call yourself a strong Republican or not a very strong Republican? Do you think of yourself as closer to the Republican Party or Democratic Party?
Which one of the seven state propositions on the November 8 ballot are you most interested in? Initiative Constitutional Amendment and Statute. It allows in-person sports betting at racetracks and tribal casinos, and requires that racetracks and casinos that offer sports betting to make certain payments to the state—such as to support state regulatory costs.
The fiscal impact is increased state revenues, possibly reaching tens of millions of dollars annually. Some of these revenues would support increased state regulatory and enforcement costs that could reach the low tens of millions of dollars annually.
If the election were held today, would you vote yes or no on Proposition 26? Initiative Constitutional Amendment. It allows Indian tribes and affiliated businesses to operate online and mobile sports wagering outside tribal lands. It directs revenues to regulatory costs, homelessness programs, and nonparticipating tribes. Some revenues would support state regulatory costs, possibly reaching the mid-tens of millions of dollars annually. If the election were held today, would you vote yes or no on Proposition 27?
Initiative Statute. It allocates tax revenues to zero-emission vehicle purchase incentives, vehicle charging stations, and wildfire prevention. If the election were held today, would you vote yes or no on Proposition 30? Do you agree or disagree with these statements? Overall, do you approve or disapprove of the way that Joe Biden is handling his job as president? Overall, do you approve or disapprove of the way Alex Padilla is handling his job as US Senator?
Overall, do you approve or disapprove of the way Dianne Feinstein is handling her job as US Senator? Overall, do you approve or disapprove of the way the US Congress is handling its job?
Do you think things in the United States are generally going in the right direction or the wrong direction? How satisfied are you with the way democracy is working in the United States?
Are you very satisfied, somewhat satisfied, not too satisfied, or not at all satisfied? These days, do you feel [rotate]  optimistic [or]  pessimistic that Americans of different political views can still come together and work out their differences? What is your opinion with regard to race relations in the United States today? Would you say things are [rotate 1 and 2]  better ,  worse , or about the same than they were a year ago?
When it comes to racial discrimination, which do you think is the bigger problem for the country today—[rotate]  People seeing racial discrimination where it really does NOT exist [or]  People NOT seeing racial discrimination where it really DOES exist? Next, Next, would you consider yourself to be politically: [read list, rotate order top to bottom].
Generally speaking, how much interest would you say you have in politics—a great deal, a fair amount, only a little, or none? circuit court, the court above us. So I'm sure people look at prior decisions and try to apply them in the ways that they want to.
Are there any misconceptions about how the law applies to crypto, or how your decisions should be interpreted, that you wish you could get across? One misconception is that the judges can't understand this technology — we can. People have these views in two extremes. The lawyer's fundamental job is to take super complex and technical things and boil them down to very easily digestible arguments for a judge, for a jury, or whoever it might be. The financial technology transformation is driving competition, creating consumer choice, and shaping the future of finance.
Hear from seven fintech leaders who are reshaping the future of finance, and join the inaugural Financial Technology Association Fintech Summit to learn more. Financial technology is breaking down barriers to financial services and delivering value to consumers, small businesses, and the economy. Fintech puts American consumers at the center of their finances and helps them manage their money responsibly. From payment apps to budgeting and investing tools and alternative credit options, fintech makes it easier for consumers to pay for their purchases and build better financial habits.
Fintech also arms small businesses with the financial tools for success, including low-cost banking services, digital accounting services, and expanded access to capital.
We advocate for modernized financial policies and regulations that allow fintech innovation to drive competition in the economy and expand consumer choice.
Spots are still available for this hybrid event, and you can RSVP here to save your seat. Join us as we discuss how to shape the future of finance. In its broadest sense, Open Banking has created a secure and connected ecosystem that has led to an explosion of new and innovative solutions that benefit the customer, rapidly revolutionizing not just the banking industry but the way all companies do business.
Target benefits are delivered through speed, transparency, and security, and their impact can be seen across a diverse range of use cases. Sharing financial data across providers can enable a customer individual or business to have real-time access to multiple bank accounts across multiple institutions all in one platform, saving time and helping consumers get a more accurate picture of their own finances before taking on debt, providing a more reliable indication than most lending guidelines currently do.
Companies can also create carefully refined marketing profiles and therefore, finely tune their services to the specific need.
Open Banking platforms like Klarna Kosma also provide a unique opportunity for businesses to overlay additional tools that add real value for users and deepen their customer relationships. The increased transparency brought about by Open Banking brings a vast array of additional benefits, such as helping fraud detection companies better monitor customer accounts and identify problems much earlier.
The list of new value-add solutions continues to grow. The speed of business has never been faster than it is today. For small business owners, time is at a premium as they are wearing multiple hats every day.
Macroeconomic challenges like inflation and supply chain issues are making successful money and cash flow management even more challenging. This presents a tremendous opportunity that innovation in fintech can solve by speeding up money movement, increasing access to capital, and making it easier to manage business operations in a central place.
Fintech offers innovative products and services where outdated practices and processes offer limited options. For example, fintech is enabling increased access to capital for business owners from diverse and varying backgrounds by leveraging alternative data to evaluate creditworthiness and risk models. This can positively impact all types of business owners, but especially those underserved by traditional financial service models. When we look across the Intuit QuickBooks platform and the overall fintech ecosystem, we see a variety of innovations fueled by AI and data science that are helping small businesses succeed.
By efficiently embedding and connecting financial services like banking, payments, and lending to help small businesses, we can reinvent how SMBs get paid and enable greater access to the vital funds they need at critical points in their journey.
Overall, we see fintech as empowering people who have been left behind by antiquated financial systems, giving them real-time insights, tips, and tools they need to turn their financial dreams into a reality. Innovations in payments and financial technologies have helped transform daily life for millions of people. People who are unbanked often rely on more expensive alternative financial products AFPs such as payday loans, money orders, and other expensive credit facilities that typically charge higher fees and interest rates, making it more likely that people have to dip into their savings to stay afloat.
A few examples include:. Mobile wallets - The unbanked may not have traditional bank accounts but can have verified mobile wallet accounts for shopping and bill payments. Their mobile wallet identity can be used to open a virtual bank account for secure and convenient online banking.
Minimal to no-fee banking services - Fintech companies typically have much lower acquisition and operating costs than traditional financial institutions. They are then able to pass on these savings in the form of no-fee or no-minimum-balance products to their customers. This enables immigrants and other populations that may be underbanked to move up the credit lifecycle to get additional forms of credit such as auto, home and education loans, etc.
Entrepreneurs from every background, in every part of the world, should be empowered to start and scale global businesses. Most businesses still face daunting challenges with very basic matters. These are still very manually intensive processes, and they are barriers to entrepreneurship in the form of paperwork, PDFs, faxes, and forms.
Stripe is working to solve these rather mundane and boring challenges, almost always with an application programming interface that simplifies complex processes into a few clicks. Stripe powers nearly half a million businesses in rural America. The internet economy is just beginning to make a real difference for businesses of all sizes in all kinds of places. We are excited about this future. The way we make decisions on credit should be fair and inclusive and done in a way that takes into account a greater picture of a person.
Lenders can better serve their borrowers with more data and better math. Zest AI has successfully built a compliant, consistent, and equitable AI-automated underwriting technology that lenders can utilize to help make their credit decisions.
While artificial intelligence AI systems have been a tool historically used by sophisticated investors to maximize their returns, newer and more advanced AI systems will be the key innovation to democratize access to financial systems in the future.
D espite privacy, ethics, and bias issues that remain to be resolved with AI systems, the good news is that as large r datasets become progressively easier to interconnect, AI and related natural language processing NLP technology innovations are increasingly able to equalize access.
T he even better news is that this democratization is taking multiple forms. AI can be used to provide risk assessments necessary to bank those under-served or denied access.
AI systems can also retrieve troves of data not used in traditional credit reports, including personal cash flow, payment applications usage, on-time utility payments, and other data buried within large datasets, to create fair and more accurate risk assessments essential to obtain credit and other financial services.
By expanding credit availability to historically underserved communities, AI enables them to gain credit and build wealth. Additionally, personalized portfolio management will become available to more people with the implementation and advancement of AI. Sophisticated financial advice and routine oversight, typically reserved for traditional investors, will allow individuals, including marginalized and low-income people, to maximize the value of their financial portfolios.
Moreover, when coupled with NLP technologies, even greater democratization can result as inexperienced investors can interact with AI systems in plain English, while providing an easier interface to financial markets than existing execution tools.
Open finance technology enables millions of people to use the apps and services that they rely on to manage their financial lives — from overdraft protection, to money management, investing for retirement, or building credit. More than 8 in 10 Americans are now using digital finance tools powered by open finance. This is because consumers see something they like or want — a new choice, more options, or lower costs.
What is open finance? At its core, it is about putting consumers in control of their own data and allowing them to use it to get a better deal. When people can easily switch to another company and bring their financial history with them, that presents real competition to legacy services and forces everyone to improve, with positive results for consumers. For example, we see the impact this is having on large players being forced to drop overdraft fees or to compete to deliver products consumers want.
We see the benefits of open finance first hand at Plaid, as we support thousands of companies, from the biggest fintechs, to startups, to large and small banks. All are building products that depend on one thing - consumers' ability to securely share their data to use different services.
Open finance has supported more inclusive, competitive financial systems for consumers and small businesses in the U. and across the globe — and there is room to do much more. As an example, the National Consumer Law Consumer recently put out a new report that looked at consumers providing access to their bank account data so their rent payments could inform their mortgage underwriting and help build credit.
This is part of the promise of open finance. At Plaid, we believe a consumer should have a right to their own data, and agency over that data, no matter where it sits.
This will be essential to securing benefits of open finance for consumers for many years to come. As AWS preps for its annual re:Invent conference, Adam Selipsky talks product strategy, support for hybrid environments, and the value of the cloud in uncertain economic times. Donna Goodison dgoodison is Protocol's senior reporter focusing on enterprise infrastructure technology, from the 'Big 3' cloud computing providers to data centers.
She previously covered the public cloud at CRN after 15 years as a business reporter for the Boston Herald. AWS is gearing up for re:Invent, its annual cloud computing conference where announcements this year are expected to focus on its end-to-end data strategy and delivering new industry-specific services.
Both prongs of that are important. But cost-cutting is a reality for many customers given the worldwide economic turmoil, and AWS has seen an increase in customers looking to control their cloud spending. By the way, they should be doing that all the time. The motivation's just a little bit higher in the current economic situation. This interview has been edited and condensed for clarity. Besides the sheer growth of AWS, what do you think has changed the most while you were at Tableau?
Were you surprised by anything? The number of customers who are now deeply deployed on AWS, deployed in the cloud, in a way that's fundamental to their business and fundamental to their success surprised me.
There was a time years ago where there were not that many enterprise CEOs who were well-versed in the cloud. It's not just about deploying technology. The conversation that I most end up having with CEOs is about organizational transformation. It is about how they can put data at the center of their decision-making in a way that most organizations have never actually done in their history. And it's about using the cloud to innovate more quickly and to drive speed into their organizations.
Those are cultural characteristics, not technology characteristics, and those have organizational implications about how they organize and what teams they need to have.
It turns out that while the technology is sophisticated, deploying the technology is arguably the lesser challenge compared with how do you mold and shape the organization to best take advantage of all the benefits that the cloud is providing. How has your experience at Tableau affected AWS and how you think about putting your stamp on AWS?
I, personally, have just spent almost five years deeply immersed in the world of data and analytics and business intelligence, and hopefully I learned something during that time about those topics. I'm able to bring back a real insider's view, if you will, about where that world is heading — data, analytics, databases, machine learning, and how all those things come together, and how you really need to view what's happening with data as an end-to-end story. It's not about having a point solution for a database or an analytic service, it's really about understanding the flow of data from when it comes into your organization all the way through the other end, where people are collaborating and sharing and making decisions based on that data.
AWS has tremendous resources devoted in all these areas. Can you talk about the intersection of data and machine learning and how you see that playing out in the next couple of years? What we're seeing is three areas really coming together: You've got databases, analytics capabilities, and machine learning, and it's sort of like a Venn diagram with a partial overlap of those three circles. There are areas of each which are arguably still independent from each other, but there's a very large and a very powerful intersection of the three — to the point where we've actually organized inside of AWS around that and have a single leader for all of those areas to really help bring those together.
There's so much data in the world, and the amount of it continues to explode. We were saying that five years ago, and it's even more true today. The rate of growth is only accelerating.
It's a huge opportunity and a huge problem. A lot of people are drowning in their data and don't know how to use it to make decisions. Other organizations have figured out how to use these very powerful technologies to really gain insights rapidly from their data. What we're really trying to do is to look at that end-to-end journey of data and to build really compelling, powerful capabilities and services at each stop in that data journey and then…knit all that together with strong concepts like governance.
By putting good governance in place about who has access to what data and where you want to be careful within those guardrails that you set up, you can then set people free to be creative and to explore all the data that's available to them.
AWS has more than services now. Have you hit the peak for that or can you sustain that growth? We're not done building yet, and I don't know when we ever will be. We continue to both release new services because customers need them and they ask us for them and, at the same time, we've put tremendous effort into adding new capabilities inside of the existing services that we've already built. We don't just build a service and move on.
Inside of each of our services — you can pick any example — we're just adding new capabilities all the time. One of our focuses now is to make sure that we're really helping customers to connect and integrate between our different services.
So those kinds of capabilities — both building new services, deepening our feature set within existing services, and integrating across our services — are all really important areas that we'll continue to invest in. Do customers still want those fundamental building blocks and to piece them together themselves, or do they just want AWS to take care of all that?
There's no one-size-fits-all solution to what customers want. It is interesting, and I will say somewhat surprising to me, how much basic capabilities, such as price performance of compute, are still absolutely vital to our customers. But it's absolutely vital. Part of that is because of the size of datasets and because of the machine learning capabilities which are now being created. They require vast amounts of compute, but nobody will be able to do that compute unless we keep dramatically improving the price performance.
Those who have a checking or savings account, but also use financial alternatives like check cashing services are considered underbanked. households, or Many of those who are unbanked say they can't afford to have an account because of the fees for insufficient funds and overdrafts that are tacked on when account balances fall short.
The numbers of the unbanked were greater among households that included those who were working age and disabled, lower income, included a single mother, or were Black or Hispanic. Additionally, last year, homes where the head of household was out of work were nearly five times more likely to not have a bank account as compared to those where the household head was employed. Recession predictions Is a recession inevitable in ? Here's what experts are saying. Add Topic.
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Web12/10/ · Microsoft has responded to a list of concerns regarding its ongoing $68bn attempt to buy Activision Blizzard, as raised by the UK's Competition and Markets Authority (CMA), and come up with an Web25/10/ · Those who have a checking or savings account, but also use financial alternatives like check cashing services are considered underbanked. The underbanked represented 14% of U.S. households, or 18 Web20/10/ · That means the impact could spread far beyond the agency’s payday lending rule. "The holding will call into question many other regulations that protect consumers with respect to credit cards, bank accounts, mortgage loans, debt collection, credit reports, and identity theft," tweeted Chris Peterson, a former enforcement attorney at the CFPB who WebBrowse our listings to find jobs in Germany for expats, including jobs for English speakers or those in your native language Web19/10/ · Microsoft is quietly building an Xbox mobile platform and store. The $ billion Activision Blizzard acquisition is key to Microsoft’s mobile gaming plans WebSocial Video Factory ... read more