AI Governance Leader ModelOp Experiences Significant Growth in 2024 with Customer Expansion and Multiple Prestigious AwardsNone
By Funto Omojola, NerdWallet Mobile wallets that allow you to pay using your phone have been around for well more than a decade, and over those years they’ve grown in popularity, becoming a key part of consumers’ credit card usage. According to a “state of credit card report” for 2025 from credit bureau Experian, 53% of Americans in a survey say they use digital wallets more frequently than traditional payment methods. To further incentivize mobile wallet usage, some credit card issuers offer bonus rewards when you elect to pay that way. But those incentives can go beyond just higher reward rates. In fact, mobile wallets in some ways are becoming an essential part of activating and holding a credit card. For example, they can offer immediate access to your credit line, and they can be easier and safer than paying with a physical card. From a rewards perspective, it can make a lot of sense to reach for your phone now instead of your physical card. The Apple Card offers its highest reward rates when you use it through the Apple Pay mobile wallet. Same goes for the PayPal Cashback Mastercard® when you use it to make purchases via the PayPal digital wallet. The Kroger grocery store giant has a co-branded credit card that earns the most when you pay using an eligible digital wallet, and some major credit cards with quarterly rotating bonus categories have a history of incentivizing digital wallet use. But again, these days it’s not just about the rewards. Mobile wallets like Apple Pay, Samsung Pay and PayPal can offer immediate access to your credit line while you wait for your physical card to arrive after approval. Indeed, most major issuers including Bank of America®, Capital One and Chase now offer instant virtual credit card numbers for eligible cards that can be used upon approval by adding them to a digital wallet. Additionally, many co-branded credit cards — those offered in partnership with another brand — commonly offer instant card access and can be used immediately on in-brand purchases. Credit cards typically take seven to 10 days to arrive after approval, so instant access to your credit line can be particularly useful if you need to make an urgent or unexpected purchase. Plus, they allow you to start spending toward a card’s sign-up bonus right away. As issuers push toward mobile payments, a growing number of merchants and businesses are similarly adopting the payment method. The percentage of U.S. businesses that used digital wallets increased to 62% in 2023, compared to 47% the previous year, according to a 2023 survey commissioned by the Federal Reserve Financial Services. Related Articles Business | Event promoters, hotels and lodging sites soon will have to disclose extra fees up front Business | Should you donate your points and miles to charity? Business | 4 ways to hit your family savings goals in 2025 Business | The year in money: inflation eased, optimism ticked upward Business | 5 ways to tell if you’re on track for retirement — and 5 things to do if you need to catch up, according to experts Wider acceptance is potentially good news for the average American, who according to Experian has about four credit cards. While that won’t necessarily weigh down your wallet, it can be hard to manage multiple cards and rewards categories at once. Mobile wallets offer a more efficient way to store and organize all of your workhorse cards, while not having to carry around ones that you don’t use often. They can also help you more easily monitor your spending and rewards, and some even track your orders’ status and arrival time. Plus, paying with a digital wallet offers added security. That’s because it uses technology called tokenization when you pay, which masks your real credit card number and instead sends an encrypted “token” that’s unique to each payment. This is unlike swiping or dipping a physical card, during which your credit card number is more directly accessible. And again, because a mobile wallet doesn’t require you to have your physical cards present, there’s less chance of one falling out of your pocket or purse. More From NerdWallet Funto Omojola writes for NerdWallet. Email: fomojola@nerdwallet.com. The article Activating Your Credit Card? Don’t Skip the Mobile Wallet Step originally appeared on NerdWallet .
Shelia Poole | (TNS) The Atlanta Journal-Constitution ATLANTA — Holidays are a time for families and friends to gather, but for older people with Alzheimer’s disease and other dementias, it can cause so much stress and confusion that they could be in danger of what experts calls wandering. Related Articles Health | Health officials say Louisiana patient is first severe bird flu case in US Health | Health department warnings issued for 9 LA County beaches due to high bacteria levels Health | 2 New York men die after fertilizing marijuana plants with bat poop Health | Weight-loss drug craze appears to be curbing US obesity epidemic Health | What’s behind rising autism rates: A broader definition of autism and better screening “I would say around the holiday time is the biggest challenge for people with dementia,” said Kim Franklin, senior manager of programs and services at the Georgia chapter of the Alzheimer’s Association. “Schedules are changing, people are traveling, families are coming together and friends are coming over. There’s a lot of chaos going on and that can cause a person to wander. They want to get away. It’s hard for them to process what’s happening.” The Alzheimer’s Association reports 72% of dementia patients who wander are found alive by the next day. Alerting 911 as soon as the person goes missing is critical. The odds of survival decrease as more time passes. Angel Alonso, president of Georgia Emergency Search and Recovery based in Gwinnett County, said the vast majority — between 60% and 70% — of the 30 to 40 calls the nonprofit received last year involved people with the disease. The GESAR is a volunteer-driven organization that works with law enforcement to find people who have gone missing, including children, people with Alzheimer’s and dementia, and people lost during major disasters. “We get so many Alzheimer’s calls,” said Vice President John Clark, who is also volunteer instructor with the Georgia Chapter of the Alzheimer’s Association. For caregivers and loved ones, a relative who goes missing is devastating. Two of Clark’s grandparents had dementia, so he gravitated to search and rescue to help other families and caregivers keep their loved ones safe. He’s consulted with police departments across metro Atlanta on the best ways to find people with Alzheimer’s. Alzheimer’s disease and other dementias can cause people to lose their ability to recognize people and places that are familiar. According to the Alzheimer’s Association there are often warning signs that a person might wander. Six in 10 people with dementia will wander during the course of the disease. That includes people returning from a regular walk or drive later than usual. Or they may talk about fulfilling former obligations, such as going to work or talk about going home even when they’re at home. Sometimes they become restless and pace or make repetitive movements. Clark recounted one call for help when a family reported a missing relative, but they insisted she couldn’t have gone far because of a bad knee that limited her to walking no further than the mailbox. Searchers found the missing woman 7 miles from home. Even those who have never shown an interest in wandering might start without warning. Dan Goerke is fortunate. His late wife, Diane, who was diagnosed with Alzheimer’s in 2012, once went missing from the car of a caregiver. The caregiver had stopped for an errand. Diane had waited alone in cars as people ran errands before. But this time, when the caregiver returned, Diane was gone but her seat belt was still fastened. “It was like she disappeared into thin air,” said Goerke, who said he doesn’t blame the caregiver. Fortunately, she was found uninjured and nearby a short time later that same day. Goerke said it’s hard for caregivers to always be on guard for wandering. “We have so many things to juggle that’s not necessarily at the top of our minds. We have to manage medications, take them to doctor’s appointments, cook meals and taking care of things day to day,” he said. Clark said when searching for someone with dementia, one of the keys is to know what the person was like before their diagnosis. Often their long-term memories are still strong. They once found a woman who walked out of her home and went to where she used to shop and to her old job, although it had closed. Recently, GESAR unveiled a new tool to search for missing people: Maverick. An 8-month-old chocolate Labrador retriever, Maverick is in training to be part of the GESAR search and research team that will track missing people, including wandering dementia patients in metro Atlanta. In cases involving children and people with dementia, a dog’s personality can also be an asset. Labs like Maverick are friendly and affectionate, not imposing or threatening like some other breeds — and less likely to scare the person who is lost. Canines can be used in searches in both rural and urban areas. “He’s an asset,” said Maverick’s handler, Carmen Alonso. “His nose can pick up odors and track where a person has been that we might not think to go that direction.” At the Cobb County Police Department, Public Information Officer Sgt. Eric Smith said if dogs are needed to search for a wanderer they call the sheriff’s department, which has bloodhounds. “They’re not apprehension dogs so there’s little or no likelihood of a bite,” he said. Technology can also help, Smith said. Searchers can use drones and families can install technology on a person’s car to help locate it or use other kinds of trackable devices including on their phone. “We get so many Alzheimer’s calls,” said Clark, who is also a volunteer instructor with the Georgia Chapter of the Alzheimer’s Association. Most cases they’ve worked on have had favorable results, according to the Georgia Emergency Search and Recovery organization. No two searches are the same, said Sgt. Jeremy Blake of the Cobb County Sheriff’s Office. “When responding to calls for a missing person, the response is different than that of a fleeing suspect,” he wrote in an email. “The K-9s that are used to track missing persons are not trained in the apprehension of suspects. ... Often times, if the K-9 cannot locate the missing person, they can provide officers with a more accurate direction of travel than they may previously had.” Nearly 7 million U.S. residents age 65 and older were living with Alzheimer’s according to the most recent Facts & Figures report . Of those, more than 188,000 Georgians ages 65 and older also have been diagnosed with the disease, according to the Alzheimer’s Association Georgia Chapter. There is a better chance of being found in urban environments because of a higher probability of a “good Samaritan” stepping in. Wanderers may give no forewarning. Often those with memory issues wander away during activities they’ve done safely in the past, such as shopping or sitting on a front porch. Some people who still drive can become disoriented and drive for miles away from home. According to the Cobb County Sheriff’s Office, on average, half the calls for missing persons involve the elderly or someone with disabilities. Call 911 as soon as possible. Have a photograph available for first responders and an article of clothing to provide a scent for search dogs. Sharing what the missing person liked to do in prior years can be a key: Did they have a job they went to every day? Did they like to fish or go to a certain spot? Searchers will need to know the last time the person was seen to help determine how far a person might have wandered. (Source: Alzheimer’s Association and Cobb County Police Department.) ©2024 The Atlanta Journal-Constitution. Visit at ajc.com. Distributed by Tribune Content Agency, LLC.ATLANTA — Holidays are a time for families and friends to gather, but for older people with Alzheimer’s disease and other dementias, it can cause so much stress and confusion that they could be in danger of what experts calls wandering. Related Articles “I would say around the holiday time is the biggest challenge for people with dementia,” said Kim Franklin, senior manager of programs and services at the Georgia chapter of the Alzheimer’s Association. “Schedules are changing, people are traveling, families are coming together and friends are coming over. There’s a lot of chaos going on and that can cause a person to wander. They want to get away. It’s hard for them to process what’s happening.” The Alzheimer’s Association reports 72% of dementia patients who wander are found alive by the next day. Alerting 911 as soon as the person goes missing is critical. The odds of survival decrease as more time passes. Angel Alonso, president of Georgia Emergency Search and Recovery based in Gwinnett County, said the vast majority — between 60% and 70% — of the 30 to 40 calls the nonprofit received last year involved people with the disease. The GESAR is a volunteer-driven organization that works with law enforcement to find people who have gone missing, including children, people with Alzheimer’s and dementia, and people lost during major disasters. “We get so many Alzheimer’s calls,” said Vice President John Clark, who is also volunteer instructor with the Georgia Chapter of the Alzheimer’s Association. For caregivers and loved ones, a relative who goes missing is devastating. Two of Clark’s grandparents had dementia, so he gravitated to search and rescue to help other families and caregivers keep their loved ones safe. He’s consulted with police departments across metro Atlanta on the best ways to find people with Alzheimer’s. Alzheimer’s disease and other dementias can cause people to lose their ability to recognize people and places that are familiar. According to the Alzheimer’s Association there are often warning signs that a person might wander. Six in 10 people with dementia will wander during the course of the disease. That includes people returning from a regular walk or drive later than usual. Or they may talk about fulfilling former obligations, such as going to work or talk about going home even when they’re at home. Sometimes they become restless and pace or make repetitive movements. Clark recounted one call for help when a family reported a missing relative, but they insisted she couldn’t have gone far because of a bad knee that limited her to walking no further than the mailbox. Searchers found the missing woman 7 miles from home. Even those who have never shown an interest in wandering might start without warning. Dan Goerke is fortunate. His late wife, Diane, who was diagnosed with Alzheimer’s in 2012, once went missing from the car of a caregiver. The caregiver had stopped for an errand. Diane had waited alone in cars as people ran errands before. But this time, when the caregiver returned, Diane was gone but her seat belt was still fastened. “It was like she disappeared into thin air,” said Goerke, who said he doesn’t blame the caregiver. Fortunately, she was found uninjured and nearby a short time later that same day. Goerke said it’s hard for caregivers to always be on guard for wandering. “We have so many things to juggle that’s not necessarily at the top of our minds. We have to manage medications, take them to doctor’s appointments, cook meals and taking care of things day to day,” he said. Clark said when searching for someone with dementia, one of the keys is to know what the person was like before their diagnosis. Often their long-term memories are still strong. They once found a woman who walked out of her home and went to where she used to shop and to her old job, although it had closed. Recently, GESAR unveiled a new tool to search for missing people: Maverick. An 8-month-old chocolate Labrador retriever, Maverick is in training to be part of the GESAR search and research team that will track missing people, including wandering dementia patients in metro Atlanta. In cases involving children and people with dementia, a dog’s personality can also be an asset. Labs like Maverick are friendly and affectionate, not imposing or threatening like some other breeds — and less likely to scare the person who is lost. Canines can be used in searches in both rural and urban areas. “He’s an asset,” said Maverick’s handler, Carmen Alonso. “His nose can pick up odors and track where a person has been that we might not think to go that direction.” At the Cobb County Police Department, Public Information Officer Sgt. Eric Smith said if dogs are needed to search for a wanderer they call the sheriff’s department, which has bloodhounds. “They’re not apprehension dogs so there’s little or no likelihood of a bite,” he said. Technology can also help, Smith said. Searchers can use drones and families can install technology on a person’s car to help locate it or use other kinds of trackable devices including on their phone. “We get so many Alzheimer’s calls,” said Clark, who is also a volunteer instructor with the Georgia Chapter of the Alzheimer’s Association. Most cases they’ve worked on have had favorable results, according to the Georgia Emergency Search and Recovery organization. No two searches are the same, said Sgt. Jeremy Blake of the Cobb County Sheriff’s Office. “When responding to calls for a missing person, the response is different than that of a fleeing suspect,” he wrote in an email. “The K-9s that are used to track missing persons are not trained in the apprehension of suspects. ... Often times, if the K-9 cannot locate the missing person, they can provide officers with a more accurate direction of travel than they may previously had.” Nearly 7 million U.S. residents age 65 and older were living with Alzheimer’s according to the most recent . Of those, more than 188,000 Georgians ages 65 and older also have been diagnosed with the disease, according to the Alzheimer’s Association Georgia Chapter. There is a better chance of being found in urban environments because of a higher probability of a “good Samaritan” stepping in. Wanderers may give no forewarning. Often those with memory issues wander away during activities they’ve done safely in the past, such as shopping or sitting on a front porch. Some people who still drive can become disoriented and drive for miles away from home. According to the Cobb County Sheriff’s Office, on average, half the calls for missing persons involve the elderly or someone with disabilities. Call 911 as soon as possible. Have a photograph available for first responders and an article of clothing to provide a scent for search dogs. Sharing what the missing person liked to do in prior years can be a key: Did they have a job they went to every day? Did they like to fish or go to a certain spot? Searchers will need to know the last time the person was seen to help determine how far a person might have wandered. ©2024 The Atlanta Journal-Constitution. Visit at ajc.com. Distributed by Tribune Content Agency, LLC.
Joe Burrow addresses Bengals' 4-7 record ahead of game against PittsburghSynthetic Biology Market Will Hit Big Revenues In Future | Biggest Opportunity Of 2024 12-18-2024 08:31 PM CET | Advertising, Media Consulting, Marketing Research Press release from: AMA Research & Media LLP The latest study released on the global 'Synthetic Biology' market by AMA Research evaluates market size, trend, and forecast to 2030. The 'Synthetic Biology' market study covers significant research data and proofs to be a handy resource document for managers, analysts, industry experts and other key people to have ready-to-access and self-analyzed study to help understand market trends, growth drivers, opportunities and upcoming challenges and about the competitors. Get free access to Sample Report in PDF Version along with Graphs and Figures @ https://www.advancemarketanalytics.com/sample-report/48050-global-synthetic-biology-market?utm_source=OpenPR/utm_medium=Rahul Some of the key players profiled in the study are: Thermo Fisher Scientific (United States), Novozymes (Denmark), Merck Group (Germany), Intrexon (United States), Agilent Technologies (United States), Amyris (United States), GenScript (United States), Ginkgo Bioworks (United States), Integrated DNA Technologies (United States), New England Biolabs (United States) Synthetic biology is a new interdisciplinary area that involves the application of engineering principle to biology. It is a designing and constructing biological modules, biological systems and biological machines or redesigning of existing biological systems for useful purposes. Synthetic biology researchers and companies around the world are working to solve problems in medicine, manufacturing and agriculture. It is widely used in medical and pharmaceutical fields to produce and manufacture improved biological drugs and systems to solve various challenges in the healthcare sector. On 21st September 2018, Thermo Fisher Scientific, released gene synthesis and genome editing products in China. It is helpful to the scientists in China who using synthetic biology for basic research and more targeted translational research and activities initiatives. Keep yourself up-to-date with latest market trends and changing dynamics due to COVID Impact and Economic Slowdown globally. Maintain a competitive edge by sizing up with available business opportunity in Synthetic Biology Market various segments and emerging territory. Influencing Market Trend •Rising Use in Bio-Plastics and Bio-Alcohols Market Drivers •Initiatives by the Government for Research and Development •Increased Demand for Better-Quality Drugs and Vaccines Opportunities: •Rising Use in Bio-Plastics and Bio-Alcohols •Increasing Research and Development Investments Challenges: •Ethical Concerns and Stringent Regulations Analysis by Type (Core Products {Synthetic DNA, Synthetic Cells, Synthetic Genes, XNA and Chassis Organisms}, Enabling Products {DNA Synthesis and Oligonucleotide Synthesis}), Application (Healthcare, Chemicals, Agriculture, Others), Technology (Genome Engineering, DNA Sequencing, Bioinformatics, Biological Components and Integrated Systems) Have Any Questions Regarding Global Synthetic Biology Market Report, Ask Our Experts@ https://www.advancemarketanalytics.com/enquiry-before-buy/48050-global-synthetic-biology-market?utm_source=OpenPR/utm_medium=Rahul The regional analysis of Global Synthetic Biology Market is considered for the key regions such as Asia Pacific, North America, Europe, Latin America and Rest of the World. North America is the leading region across the world. Whereas, owing to rising no. of research activities in countries such as China, India, and Japan, Asia Pacific region is also expected to exhibit higher growth rate the forecast period 2024-2030. On 7th March 2018, Agilent Technologies announced that it has signed a definitive agreement to acquire privately-held Advanced Analytical Technologies, Inc. (AATI), a provider of capillary electrophoresis-based (CE) solutions for the fully-automated analysis of a range of molecules. Table of Content Chapter One: Industry Overview Chapter Two: Major Segmentation (Classification, Application and etc.) Analysis Chapter Three: Production Market Analysis Chapter Four: Sales Market Analysis Chapter Five: Consumption Market Analysis Chapter Six: Production, Sales and Consumption Market Comparison Analysis Chapter Seven: Major Manufacturers Production and Sales Market Comparison Analysis Chapter Eight: Competition Analysis by Players Chapter Nine: Marketing Channel Analysis Chapter Ten: New Project Investment Feasibility Analysis Chapter Eleven: Manufacturing Cost Analysis Chapter Twelve: Industrial Chain, Sourcing Strategy and Downstream Buyers Read Executive Summary and Detailed Index of full Research Study @ https://www.advancemarketanalytics.com/reports/48050-global-synthetic-biology-market?utm_source=OpenPR/utm_medium=Rahul Highlights of the Report • The future prospects of the global Synthetic Biology market during the forecast period 2024-2030 are given in the report. • The major developmental strategies integrated by the leading players to sustain a competitive market position in the market are included in the report. • The emerging technologies that are driving the growth of the market are highlighted in the report. • The market value of the segments that are leading the market and the sub-segments are mentioned in the report. • The report studies the leading manufacturers and other players entering the global Synthetic Biology market. Contact Us: Craig Francis (PR & Marketing Manager) AMA Research & Media LLP Unit No. 429, Parsonage Road Edison, NJ New Jersey USA - 08837 Phone: +1(201) 7937323, +1(201) 7937193 sales@advancemarketanalytics.com About Author: AMA Research & Media is Global leaders of Market Research Industry provides the quantified B2B research to Fortune 500 companies on high growth emerging opportunities which will impact more than 80% of worldwide companies' revenues. Our Analyst is tracking high growth study with detailed statistical and in-depth analysis of market trends & dynamics that provide a complete overview of the industry. We follow an extensive research methodology coupled with critical insights related industry factors and market forces to generate the best value for our clients. We Provides reliable primary and secondary data sources, our analysts and consultants derive informative and usable data suited for our clients business needs. The research study enables clients to meet varied market objectives a from global footprint expansion to supply chain optimization and from competitor profiling to M&As. This release was published on openPR.
Activating your credit card? Don’t skip the mobile wallet step
Marcus Tomashek scores 30 and Division II Michigan Tech hands Green Bay its 8th straight lossHoliday stress can lead Alzheimer’s patients and those with dementia to go missing'I feel dodgy face fillers have scarred me for life - I don’t want to look in mirror'
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