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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 analyze the results of those who live in competitive house districts as determined by the Cook Political Report’s 2022 House Race Ratings updated September 1, 2022. These districts are 3, 9, 13, 22, 27, 40, 41, 45, 47, and 49; a map of California’s congressional districts can be found here. When asked about the importance of abortion rights, 61 percent of likely voters say the issue is very important in determining their vote for Congress and another 20 percent say it is somewhat important; just 17 percent say it is not too or not at all important. Among partisans, an overwhelming majority of Democrats (78%) and 55 percent of independents say it is very important, compared to 43 percent of Republicans. Majorities across regions and all demographic groups—with the exception of men (49% very important)—say abortion rights are very important when making their choice among candidates for Congress.

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Californians are much more pessimistic about the direction of the country than they are about the direction of the state. Solid majorities of adults (62%) and likely voters (71%) say the United States is going in the wrong direction, and majorities have held this view since September 2021. One in three or fewer adults (33%) and likely voters (25%) think the country is going in the right direction.

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You can see it on paper and say, “Oh, the business has grown bigger, and that must mean there are more customers,” but the cloud and our relationship with these enterprises is now very much a C-suite agenda. AWS now has more than 200 services, and Selispky said it’s not done building. The internet economy is just beginning to make a real difference for businesses of all sizes in all kinds of places. And in order for the public to have faith and trust us, they need to understand what it is that we're doing and what we're saying.

When storage owners or managers wish to sell the storage unit contents of abandoned renters, we provide free storage auction listings. This offer is available for storage facilities owners and managers who have the legal right to liquidate abandoned property that has been stored within a facility they own or manage. A more open ecosystem that is broadly inclusive of both consumers and businesses holds great promise. Our rulemaking will not turn on a switch, but I hope it will move us in that direction.

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Target benefits are delivered through speed, transparency, and security, and their impact can be seen across a diverse range of use cases. Join FTA’s inaugural Fintech Summit in partnership with Protocol on November 16 as we discuss these themes. Spots are still available for this hybrid event, and you can RSVP here to save your seat. There's just so little that’s been written about in the law about crypto, and that means that people are trying to take breadcrumbs from prior decisions and put them together to make something. Even legislators might look at that as they try to think about where the gaps are. As a prosecutor I had a case where we sued three Chinese banks to give us their bank records, and it had never been done before.

Sometimes the distinctions in each model are minimal — one company might label certain types of purchases as “office supplies” while another categorizes them with the name of their office retailer of choice, for instance. 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. 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.

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Across regions, half of residents in the San Francisco Bay Area (52%) and the Inland Empire (50%) are satisfied, compared to fewer elsewhere. Across demographic groups, fewer than half are satisfied, with the exception of Latinos (56%), those with a high school degree or less (55%), and those making less than $40,000 (53%). Likewise, nascent firms would be able to use data permissioned by consumers to improve upon and customize, to provide greater access, and to develop products and services. Under the current regime, nascent firms often find themselves in the position of needing to curry favor with big market players.

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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. FTA The Financial Technology Association represents industry leaders shaping the future of finance. We champion the power of technology-centered financial services and advocate for the modernization of financial regulation to support inclusion and responsible innovation.

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Epic Games CEO Tim Sweeney welcomed Microsoft’s first hints at an open app store model in 2019 ahead of a giant battle between Epic and Apple a year later that saw Fortnite disappear from iPhones. Epic has been arguing that Apple should allow third-party payment systems in its App Store or even allow rival app stores to function on iPhones and iPads. Microsoft says these same principles will also apply to the future Xbox mobile store, which could be enough to lure developers onto the platform.

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She previously covered the public cloud at CRN after 15 years as a business reporter for the Boston Herald. Based in Massachusetts, she also has worked as a Boston Globe freelancer, business reporter at the Boston Business Journal and real estate reporter at Banker & Tradesman after toiling at weekly newspapers. By providing access to banking services such as fee-free savings and checking accounts, remittances, credit services, and mobile payments, fintech companies can help the under/unbanked population to achieve greater financial stability and wellbeing. 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.

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. Through Zest AI, lenders can score underbanked borrowers that traditional scoring systems would deem as “unscorable.” We’ve proven that lenders can dig into their lower credit tier borrowers and lend to them without changing their risk tolerance. 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. For small business owners, time is at a premium as they are wearing multiple hats every day.

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Through these transaction accounts, the rule will be able to facilitate new approaches to underwriting, payment services, personal financial management, income verification, account switching, and comparison shopping. While not explicitly an open banking or open finance rule, the rule will move us closer to it, by obligating financial institutions to share consumer data upon consumer request, empowering people to break up with banks that provide bad service, and unleashing more market competition. The provisions provide for personal financial data rights for Americans, but would only have teeth after the CFPB defined the specifics through rules. The irony of Sony making deals like this one while fretting about COD's future on PlayStation probably isn't lost on Microsoft's lawyers, which is no doubt part of why they brought it up to the CMA. While it's absolutely reasonable to worry about a world in which more and more properties are concentrated in the hands of singular, giant megacorps, it does look a bit odd if you're complaining about losing access to games while stopping them from joining competing services. Nokleby, who has since left the company, said that for a long time Lily AI got by using a homegrown system, but that wasn’t cutting it anymore.

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Either way, the simple fact that Microsoft is apparently willing to maintain any restrictions on its own ability to put first-party games on Game Pass is rather remarkable, given that making Game Pass more appealing is one of the reasons for its acquisition spree. Intuit had MLops systems in place before a lot of vendors sold products for managing machine learning, said Brett Hollman, Intuit’s director of engineering and product development in machine learning. Building this publication has not been easy; as with any small startup organization, it has often been chaotic. We could not be prouder of, or more grateful to, the team we have assembled here over the last three years to build the publication. They are an inspirational group of people who have gone above and beyond, week after week. Prior to POLITICO, Bennett was co-founder and CMO of Hinge, the mobile dating company recently acquired by Match Group.

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Open finance has supported more inclusive, competitive financial systems for consumers and small businesses in the U.S. 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. Financial technology is breaking down barriers to financial services and delivering value to consumers, small businesses, and the economy.

Microsoft apparently offered to put Call of Duty on the PlayStation Plus

We have a lot of capabilities we're building that are either for … horizontal use cases like or industry verticals like automotive, healthcare, financial services. We see more and more demand for those, and Dilip has come in to really coalesce a lot of teams' capabilities, who will be focusing on those . You can expect to see us invest significantly in those areas and to come out with some really exciting innovations. Donna Goodison (@dgoodison) is Protocol's senior reporter focusing on enterprise infrastructure technology, from the 'Big 3' cloud computing providers to data centers.

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Previously, he served as PPIC’s director of research and senior fellow. Before joining PPIC, he was a professor of urban and regional planning in the School of Social Ecology at the University of California, Irvine, where he held the Johnson Chair in Civic Governance. He has conducted surveys for theLos Angeles Times, theSan Francisco Chronicle, and the California Business Roundtable. He holds a PhD in sociology from the University of California, Berkeley. This map highlights the five geographic regions for which we present results; these regions account for approximately 90 percent of the state population.

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Open finance has supported more inclusive, competitive financial systems for consumers and small businesses in the U.S. 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. Financial technology is breaking down barriers to financial services and delivering value to consumers, small businesses, and the economy.

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In 1602, the Spaniard Sebastián Vizcaíno explored California's coast as far north as Monterey Bay, where he went ashore. Other Spanish explorers sailed along the coast of northern California for the next 150 years, but no settlements were established. The first European to explore the coast was Juan Rodríguez Cabrillo, sailing for the Spanish Crown; in 1542, Cabrillo's expedition sailed perhaps as far north as the Rogue River in today's Oregon. Beginning in 1565, the Spanish Manila galleons crossed the Pacific Ocean from Mexico to the Spanish Philippines, with silver and gemstones from Mexico. The Manila galleons returned across the northern Pacific, and reached North America usually off the coast of northern California, and then continued south with their Asian trade goods to Mexico. Inhabited for millennia by Native Americans, from the Shasta tribe in the north, to the Miwoks in the central coast and Sierra Nevada, to the Yokuts of the southern Central Valley, northern California was among the most densely populated areas of pre-Columbian North America.

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If the decision casts further uncertainty around CFPB’s existing regulation, that’s probably bad for business. Should it hold up long term, a lack of resources could hamper the CFPB’s pledge to supervise a broader group of fintech businesses. To that point, the CFPB issued new guidance to credit-reporting agencies Thursday about omitting what it called "junk data" from credit reports. Sign up for Verge Deals to get deals on products we've tested sent to your inbox daily. Research publications reflect the views of the authors and do not necessarily reflect the views of our funders or of the staff, officers, advisory councils, or board of directors of the Public Policy Institute of California. The Public Policy Institute of California is dedicated to informing and improving public policy in California through independent, objective, nonpartisan research.

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By expanding credit availability to historically underserved communities, AI enables them to gain credit and build wealth. K. Hovnanian Homes may store and use your information to contact you by text message regarding future opportunities. You acknowledge that you are not required to use this service as a condition of purchasing property, goods or services, and that you can revoke consent to use this service at any time by following the steps that are provided on K. Hovnanian Homes’s website.K. Hovnanian Homes will not sell your information to third parties outside of our affiliated companies.

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. 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. 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.

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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. Entrepreneurs from every background, in every part of the world, should be empowered to start and scale global businesses. 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. 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.

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We know this will be a challenge, given how difficult it is to enforce restrictions, like purpose limitations and data deletion requirements. Data can be monetized in nefarious ways or even used by state and non-state actors. While Americans are becoming numb to routine data breaches, including massive ones like the Equifax failure, we know that more needs to be done to stop this underworld from intercepting even more highly sensitive personal data. Importantly, a more open market will also make sure consumers won’t have to start from scratch. For example, Americans often use their deposit account history as a life ledger – it is a written record that keeps track of payments and deposits, which can be helpful for taxes, for disputes with merchants, or insurers, and for other purposes.

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That battle could introduce significant uncertainty for the many fintech businesses that fall under the agency’s purview. Microsoft also accuses Sony of not welcoming competition from Xbox Game Pass and that Sony has decided to block Game Pass on PlayStation. Microsoft isn’t happy with Sony and the UK’s Competition and Markets Authority. The UK regulator signaled an in-depth review of Microsoft’s $68.7 billion deal to acquire Activision Blizzard last month, and the CMA has now published its full 76-page report on its findings. The CMA says it has concerns that Microsoft’s Activision Blizzard deal could lessen competition in game consoles, subscriptions, and cloud gaming, but Microsoft thinks the regulator has simply been listening to Sony’s lawyers too much. Findings in this report are based on a survey of 1,715 California adult residents, including 1,263 interviewed on cell phones and 452 interviewed on landline telephones.

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. Of the companies that incorporated using Stripe, 92% are outside of Silicon Valley; 28% of founders identify as a minority; 43% are first-time entrepreneurs. 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. But the agency is also taking up initiatives with fintech industry support, including finally setting up open-banking rules to guide data-sharing between financial institutions and tech companies. The decision is likely to be challenged, setting up a major fight for the future of the top U.S. consumer-finance watchdog.

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Across regions, half of residents in the San Francisco Bay Area (52%) and the Inland Empire (50%) are satisfied, compared to fewer elsewhere. Across demographic groups, fewer than half are satisfied, with the exception of Latinos (56%), those with a high school degree or less (55%), and those making less than $40,000 (53%). Likewise, nascent firms would be able to use data permissioned by consumers to improve upon and customize, to provide greater access, and to develop products and services. Under the current regime, nascent firms often find themselves in the position of needing to curry favor with big market players.

If a firm is required to make a person’s financial information available to them, or to a third party acting on the consumer’s behalf, via a secure method, we will be able to mitigate some of the problems that exist today. For instance, individuals who want to switch providers will be able to transfer their account history to a new company, so they don’t have to start over if they are unsatisfied with the service provided by an incumbent firm. By checking this box, you agree to receive automated marketing text messages from FPI Management, and its affiliates, subsidiaries, related properties, and/or service providers. Your consent is not a condition for making any purchase of property, goods, or services. The company reportedly has a policy of using only internal game engines to develop its first-party titles.

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We've seen so many customers who have prepared themselves, are using AWS, and then when a challenge hits, are actually able to accelerate because they've got competitors who are not as prepared, or there's a new opportunity that they spot. We see a lot of customers actually leaning into their cloud journeys during these uncertain economic times. There's so much data in the world, and the amount of it continues to explode.

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