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You can support consumer data access AND still think Chase has a point. In a recent Fintech Recap, Jason Mikula and I unpack JPMorgan Chase’s move to charge for API access and the the battle lines being drawn around open banking. On one side, fintechs and data aggregators argue... that data access is a consumer right — and that Chase’s pricing is a power move to limit competition. On the other: banks counter that they've been on the hook for fraud, compliance, and misuse for years (and are footing the bill). They want liability protections and cost-sharing before continuing to subsidize fintechs' business model. Both sides have a point. What's happening right now is what you'd expect any dominant incumbent to do in the absence of rules that constrain them. Clearly this level of bare-knuckled capitalism was too much even for the Trump CFPB, which is why the Bureau is working to revamp rather than get rid of the rule. We'll see if the CFPB is able to strike the right balance between fintechs' interest and banks' interest on this question. 🎥 Clip below from the pod. Catch the full episode here and thank us later:show more

Alex Johnson

27,024 subscribers

16,442 просмотров • 11 месяцев назад •via X (Twitter)

Наука и технологии Новости и политика Финансы

Anya Rossi• Live Now

Private livecam show

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every question in this clip is an ownership question, especially data because when everyone has access to the same intelligence, the only input that separates your business from the next one is the data you own your data is decades of decisions, customers, mistakes, and edge cases that exist nowhere else on earth that is the moat and enterprises are waking up to the fact that they've been leaking it one api call at a time my prediction is this: data ownership is going to absolutely matter in the world we're going into and whoever's building the infrastructure for it is going to have a very good decade.

every question in this clip is an ownership question, especially data because when everyone has access to the same intelligence, the only input that separates your business from the next one is the data you own your data is decades of decisions, customers, mistakes, and edge cases that exist nowhere else on earth that is the moat and enterprises are waking up to the fact that they've been leaking it one api call at a time my prediction is this: data ownership is going to absolutely matter in the world we're going into and whoever's building the infrastructure for it is going to have a very good decade.

Adeniyi.sui

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Full Statement from Kirk Family Representative, Jeffrey Neiman, on Day 4 of the Preliminary hearing pushing for the full public transparency of the Lance Twiggs interview recording: "We appreciate the court is trying to balance here, but the Kirk family's waited 10 months for this hearing. And they have a right to be here and they have a right to hear the evidence. They have a right to see and feel what's going on in this courtroom, just like— and they want to understand, Judge, what you are— what you were viewing." "They want to see the evidence." "And we understand you have to balance, but at a minimum, this courtroom needs to be open for the, for the evidence to be displayed openly in this courtroom, for them to see it. The Utah Constitution gives them the right to be here, and to be here and not to see the evidence, what's the point of being here? We ask you to let the evidence be seen in the courtroom, please. Thank you for your time."

Full Statement from Kirk Family Representative, Jeffrey Neiman, on Day 4 of the Preliminary hearing pushing for the full public transparency of the Lance Twiggs interview recording: "We appreciate the court is trying to balance here, but the Kirk family's waited 10 months for this hearing. And they have a right to be here and they have a right to hear the evidence. They have a right to see and feel what's going on in this courtroom, just like— and they want to understand, Judge, what you are— what you were viewing." "They want to see the evidence." "And we understand you have to balance, but at a minimum, this courtroom needs to be open for the, for the evidence to be displayed openly in this courtroom, for them to see it. The Utah Constitution gives them the right to be here, and to be here and not to see the evidence, what's the point of being here? We ask you to let the evidence be seen in the courtroom, please. Thank you for your time."

Andrew Kolvet

137,877 просмотров • 1 месяц назад

Satya Nadella just clarified the Microsoft open Ai deal and the terms what they signed for Azure. Here is exactly how he breaks down the partnership How it was Essentially think of OpenAI having a PaaS business and a SaaS business. The SaaS business is ChatGPT. Their PaaS business is their API. That API is Azure exclusive. The SaaS business, they can run it anywhere. If they want a partner and that partner wants to use a stateless API, then Azure is the place where they can get the stateless API. for even that they'll have to come to Azure. For any custom agreement like that. There are some few exceptions, the US government and so on, that we made, but other than that, they'd have to come to Azure. Open Ai can host there Chat Gpt consumer app wherever they want there wish but when it comes to developers or enterprise want to build on top of Open Ai models Microsoft owned the pipeline.

Satya Nadella just clarified the Microsoft open Ai deal and the terms what they signed for Azure. Here is exactly how he breaks down the partnership How it was Essentially think of OpenAI having a PaaS business and a SaaS business. The SaaS business is ChatGPT. Their PaaS business is their API. That API is Azure exclusive. The SaaS business, they can run it anywhere. If they want a partner and that partner wants to use a stateless API, then Azure is the place where they can get the stateless API. for even that they'll have to come to Azure. For any custom agreement like that. There are some few exceptions, the US government and so on, that we made, but other than that, they'd have to come to Azure. Open Ai can host there Chat Gpt consumer app wherever they want there wish but when it comes to developers or enterprise want to build on top of Open Ai models Microsoft owned the pipeline.

Vikram M

102,664 просмотров • 12 дней назад

Bakari Sellers goes on a bonkers tirade on CNN NewsNight with Abby Phillip: “They swapped out clan hoods for Brooks Brothers suits.” Sellers: “We are going to be the first generation to actually leave this country worse than the one that we inherited. Bakari: And I think for black millennials, uh the the the progress that our parents and grandparents gave us, that we're watching being ripped away from us is something that our generation is going to have to really wrestle with and and figuring out how we get out of this conundrum. If somebody fell asleep in 1896 and woke up today in 2026, they would simply say the only difference is now Negroes have a TV show and we wear nice suits. They they swapped out clan hoods for Brooks Brothers suits. And and that is the problem. I mean, Plessy v. Ferguson was 7-1 and it gave birth to 50 years of Jim Crow. What we have with this court right now, what we're seeing is is watching people who have fought and died and bled so that we would have access to the ballot box, so that we would have access to our voices being heard in Congress, being ripped away. And and I think that there is a casual laughter from people we believe to be our friends on the right who are showing us true colors today because the most sacred or one of the most sacred acts you have in the United States of America is the ability to cast a ballot and elect someone and send them to Congress, the state house or mayoral seat that represents your interest and now black folks throughout the South are being silenced. And I don't find that to be a laughing matter.”

Bakari Sellers goes on a bonkers tirade on CNN NewsNight with Abby Phillip: “They swapped out clan hoods for Brooks Brothers suits.” Sellers: “We are going to be the first generation to actually leave this country worse than the one that we inherited. Bakari: And I think for black millennials, uh the the the progress that our parents and grandparents gave us, that we're watching being ripped away from us is something that our generation is going to have to really wrestle with and and figuring out how we get out of this conundrum. If somebody fell asleep in 1896 and woke up today in 2026, they would simply say the only difference is now Negroes have a TV show and we wear nice suits. They they swapped out clan hoods for Brooks Brothers suits. And and that is the problem. I mean, Plessy v. Ferguson was 7-1 and it gave birth to 50 years of Jim Crow. What we have with this court right now, what we're seeing is is watching people who have fought and died and bled so that we would have access to the ballot box, so that we would have access to our voices being heard in Congress, being ripped away. And and I think that there is a casual laughter from people we believe to be our friends on the right who are showing us true colors today because the most sacred or one of the most sacred acts you have in the United States of America is the ability to cast a ballot and elect someone and send them to Congress, the state house or mayoral seat that represents your interest and now black folks throughout the South are being silenced. And I don't find that to be a laughing matter.”

Steve Guest

36,877 просмотров • 3 месяцев назад

“Section 1033 is really about privacy and consumer control over a very valuable asset—their financial data.” Adam Rust, Director of Financial Services, Consumer Federation of America explains that the CFPB’s rule empowers consumers to permission and revoke data access, while warning that rapid advances in AI and payments heighten the stakes for transparency, enforcement, and future consumer protections. Explore the full event: #TheHillEconomy

“Section 1033 is really about privacy and consumer control over a very valuable asset—their financial data.” Adam Rust, Director of Financial Services, Consumer Federation of America explains that the CFPB’s rule empowers consumers to permission and revoke data access, while warning that rapid advances in AI and payments heighten the stakes for transparency, enforcement, and future consumer protections. Explore the full event: #TheHillEconomy

The Hill Events

12,122 просмотров • 7 месяцев назад

Shaun Maguire on SpaceX IPO: "Starship is the railroad to space." "In 2019, it was very predictable that Starlink would work and produce a massive amount of revenue, and we called that right." "We're now in a very similar point to where Starlink was in 2019 with AI infrastructure and orbital compute." "I think people are really underestimating how far along the orbital compute product is right now." On the $22 trillion TAM: "What do you think is the TAM for intelligence? What's the TAM for all compute infrastructure 50 years from now?" "People are underappreciating how much infrastructure is going to be built in space and how much easier it is to access energy in space." "We're at the beginning of this AI era, and we're going to double or triple the total amount of intelligence that we have access to over the next decade — so yes, I absolutely believe in the TAM, and I would even argue it's an underestimate." How much is the "railroad to space" worth in the era of AI and orbital compute? Now imagine the railroad company also owns the AI and the orbital compute. Elon Musk Shaun Maguire

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KanekoaTheGreat

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ANI

14,414 просмотров • 11 месяцев назад

DATA REPUBLICAN: “We have sitting members of Congress that actually sit on the NGOs right now. They vote in Congress for money for themselves, and they sit on the same NGOs that they're voting to get money for. It is a huge conflict of interest and it's buried very deep.”

DATA REPUBLICAN: “We have sitting members of Congress that actually sit on the NGOs right now. They vote in Congress for money for themselves, and they sit on the same NGOs that they're voting to get money for. It is a huge conflict of interest and it's buried very deep.”

Chief Nerd

1,003,146 просмотров • 1 год назад

Czech President Petr Pavel Petr Pavel: "Right now, when we talk about the prospect of the future outcome of this war, we believe that on one hand, it is still necessary to support Ukraine militarily. But this war cannot be won on the battlefield. A much more powerful tool is now the financial, economic, and other measures that we, the United States and Europe, can apply together. And I believe that it is clearly in the interest of both sides of the Atlantic to exert much greater economic pressure on Russia, because that's the set of measures that doesn't kill. But it's very powerful when it comes to convincing power. And I believe that with the state of the Russian economy today, they cannot stand economic pressure for a long time. That's why sooner or later, if these measures are applied, Russia would have no other alternative than to sit down at the table and negotiate what they were in fact rejecting up to now."

Czech President Petr Pavel Petr Pavel: "Right now, when we talk about the prospect of the future outcome of this war, we believe that on one hand, it is still necessary to support Ukraine militarily. But this war cannot be won on the battlefield. A much more powerful tool is now the financial, economic, and other measures that we, the United States and Europe, can apply together. And I believe that it is clearly in the interest of both sides of the Atlantic to exert much greater economic pressure on Russia, because that's the set of measures that doesn't kill. But it's very powerful when it comes to convincing power. And I believe that with the state of the Russian economy today, they cannot stand economic pressure for a long time. That's why sooner or later, if these measures are applied, Russia would have no other alternative than to sit down at the table and negotiate what they were in fact rejecting up to now."

Anton Gerashchenko

53,696 просмотров • 1 год назад

A Constitutional Attorney SPEAKS OUT Against What The United States Government Has Become, TYRANNICAL. Calls Out Big Pharma MUST LISTEN: “We Have The Right To Resist — When in the world do we start testing things on children?” “We The People is how the Constitution starts. A magistrate is a person that operates under authority and they are lesser magistrates. The founding fathers of this country understood that there is going to come a point in time where the federal government will need to be checked. If not, they will become tyrants. ‌ And that is what's happening now. So, the Declaration of Independence says that everyone, by virtue of being a human being, has the right to life, liberty, and the pursuit of happiness. The federal government too, the federal government purpose is to protect the rights of those citizens, the rights of us to our life, liberty and pursuit of happiness. The third point of that document is if they fail to protect its citizens and enforce those rights, the citizens have a right to revolt. Do you understand? We have a right to resist and we have an obligation and a duty to do so. ‌ Do you understand? ‌ Yeah! ‌ THEY ARE COMING FOR OUR CHILDREN, We cannot sit down! Nope. ‌ Everybody knows even the bad ones know that if you want to affect a country, you go for its children. ‌ When in the world do we start using children as bulletproof vests for us? ‌ When in the world do we start testing things on children? Legal shield. ‌ You have started a war! ‌ Each one reach one and teach one. Do you understand? As a magistrate in this country, the United States government, our government, our local leaders have to answer to us. The ninth amendment says that any rights that are not enumerated in the Constitution are reserved for the people. I don't want to hear that mandates are not enumerated in the Constitution because for the stuff that is not enumerated means to equal protection is the right to protect my body. When you want to, when you want to push something into my body against my consent, without my consent, it is rape. And this is medical rape. No!”

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Wall Street Apes

228,883 просмотров • 2 лет назад

We can only trust X 🚨 META/ Facebook planning to build data centers in China, store their data in China, and then GIVE THE CHINESE GOVERNMENT ACCESS to the data “In this document, Facebook is talking about making Chinese user data available to the Chinese government because they're going to store that data in China. Is that correct?” “Correct” “When you store that data in China, Americans who exchange messages or other information with Chinese Facebook users, that would mean the Chinese government could get access to the American data as well, is that correct? “Through the POP servers? Potentially.” “And Facebook was willing to take that risk?” “Yes. There was a lot of discussion about this and ultimately yes.” “I mean, this is, this is extraordinary. This is exactly contrary to what Facebook has represented for years here. They're willing to build data centers, store data in China. They are willing explicitly to give the Chinese government access to it”

We can only trust X 🚨 META/ Facebook planning to build data centers in China, store their data in China, and then GIVE THE CHINESE GOVERNMENT ACCESS to the data “In this document, Facebook is talking about making Chinese user data available to the Chinese government because they're going to store that data in China. Is that correct?” “Correct” “When you store that data in China, Americans who exchange messages or other information with Chinese Facebook users, that would mean the Chinese government could get access to the American data as well, is that correct? “Through the POP servers? Potentially.” “And Facebook was willing to take that risk?” “Yes. There was a lot of discussion about this and ultimately yes.” “I mean, this is, this is extraordinary. This is exactly contrary to what Facebook has represented for years here. They're willing to build data centers, store data in China. They are willing explicitly to give the Chinese government access to it”

Wall Street Apes

80,854 просмотров • 1 год назад

So here’s the deal, THE TREASURY DEPARTMENT DATA IS COMPROMISED. Actors without security clearance have been given access to scrape your data. Elon Musk now controls your data and it represents the same level of control exerted by the Chinese government’s social credit system. Musk is now able to profile every name on the treasury data systems. There is no way to sugar coat the fact that your data is no longer secure. It can now be used to target you and not for your benefit, be sure of that. Democrats and advocacy groups can take all the legal action they like, THE DATA IS COMPROMISED and you can’t put the genie back in the bottle. This data can now be used to literally social engineer services to target any perceived enemy of ‘the state’. Call me a conspiracy theorist if you like, but then sit back have a think if any of what I am suggesting is not possible. I analyse big data for a living and I have no solution to this problem and neither does any Democrat telling you it can be fixed.

𝔗𝔯𝔲𝔱𝔥 𝔐𝔞𝔱𝔱𝔢𝔯𝔰

16,366 просмотров • 1 год назад

Growth and progress that’s important to see and the STF is working on that. In a recent visit I saw the interest in both aspects and I want to be part of that role of growing the sport of tennis around the world. The kids are looking to the future and I saw they are passionate about sports… I want to encourage them to pick up a racket and enjoy the benefits of a healthy living.

Growth and progress that’s important to see and the STF is working on that. In a recent visit I saw the interest in both aspects and I want to be part of that role of growing the sport of tennis around the world. The kids are looking to the future and I saw they are passionate about sports… I want to encourage them to pick up a racket and enjoy the benefits of a healthy living.

Rafa Nadal

1,031,766 просмотров • 2 лет назад

What is happening in crypto right now is a resolution of the dislocation between expectations and fair value since the election in November. This is something we discussed and warned on the roundup on November 16th and ever since price has been flat/down and there's no signs of an SBR which is very different vs the expectations that were baked in. It is because of this concern for a potential dislocation that I/we have been on defence ever since the election after being disgustingly bullish in the lead up to it. The good news is this post-election premium is now being unwound, especially in alts. The bad news is this is happening during a time of relative equity strength. As traders, it is crucial to understand that markets are forward looking and you always need to be comparing expectations baked in vs reality, and not headlines on a standalone basis. Anyway. I'm sad to see the state of things right now and hopefully not too many people were carried out here. I do think that now that a lot of this dislocation has been resolved that the worst is over, but that is dependent on a positive macro environment which I'm not sure of. Godspeed. Forward Guidance Quinn Thompson Tyler Neville

What is happening in crypto right now is a resolution of the dislocation between expectations and fair value since the election in November. This is something we discussed and warned on the roundup on November 16th and ever since price has been flat/down and there's no signs of an SBR which is very different vs the expectations that were baked in. It is because of this concern for a potential dislocation that I/we have been on defence ever since the election after being disgustingly bullish in the lead up to it. The good news is this post-election premium is now being unwound, especially in alts. The bad news is this is happening during a time of relative equity strength. As traders, it is crucial to understand that markets are forward looking and you always need to be comparing expectations baked in vs reality, and not headlines on a standalone basis. Anyway. I'm sad to see the state of things right now and hopefully not too many people were carried out here. I do think that now that a lot of this dislocation has been resolved that the worst is over, but that is dependent on a positive macro environment which I'm not sure of. Godspeed. Forward Guidance Quinn Thompson Tyler Neville

fejau

133,844 просмотров • 1 год назад

Enough is enough. SNAP fraud is out of control and hardworking Americans are footing the bill. In the states that shared their data, there were well over half a million cases of fraud — and that’s just the tip of the iceberg. Why are other states suing us for asking for the data? What are they hiding? Taxpayers deserve honesty. They deserve accountability. And it’s time for a historic crackdown to finally protect your money and not reward fraud!

Enough is enough. SNAP fraud is out of control and hardworking Americans are footing the bill. In the states that shared their data, there were well over half a million cases of fraud — and that’s just the tip of the iceberg. Why are other states suing us for asking for the data? What are they hiding? Taxpayers deserve honesty. They deserve accountability. And it’s time for a historic crackdown to finally protect your money and not reward fraud!

Secretary Brooke Rollins

187,304 просмотров • 9 месяцев назад

NEW: Kamala Harris is asked about her plan to lower the cost of living, says she will do that by lowering the cost of necessities. Remarkable. Question: What will you do to lower costs? Answer: Yeah. I first of all, thank you both for being here and yours is a, a story I hear around the country as I travel, and in terms of both rightly, having the right to have aspirations and dreams and ambitions for your family and working hard and finding that the American dream is for this generation and so many recently far more elusive than it's been, and we need to deal with that. And there are a number of ways. One is bringing down the cost of everyday necessities, including groceries.

NEW: Kamala Harris is asked about her plan to lower the cost of living, says she will do that by lowering the cost of necessities. Remarkable. Question: What will you do to lower costs? Answer: Yeah. I first of all, thank you both for being here and yours is a, a story I hear around the country as I travel, and in terms of both rightly, having the right to have aspirations and dreams and ambitions for your family and working hard and finding that the American dream is for this generation and so many recently far more elusive than it's been, and we need to deal with that. And there are a number of ways. One is bringing down the cost of everyday necessities, including groceries.

Collin Rugg

3,912,318 просмотров • 1 год назад

.Bill O'Reilly, speaking at the NewsNation town hall on the state of the country: "The country is in a change mode. We're in flux, everything is changing. Economy is changing, social morays is changing, media is collapsing, collapsing right before our eyes. And my job as an independent is to bring some understanding to it all, so I am not that concerned about the polarization and the back-and-forth. There are lines that need to be drawn and adhered to. But that has always been the case. John Adams and Thomas Jefferson -- oh, they hated each other and they would use surrogates to just knife and it is always going to be that way, because the pursuit of power is like the pursuit of money, you can't get enough. They can't get enough. And if there is somebody trying to inhibit their power, they want to hurt them, they want to diminish them, so I am realistic in the sense of being a historian to know that is not going to change. But what has to change is your understanding of really what is happening, really what is going on here.

.Bill O'Reilly, speaking at the NewsNation town hall on the state of the country: "The country is in a change mode. We're in flux, everything is changing. Economy is changing, social morays is changing, media is collapsing, collapsing right before our eyes. And my job as an independent is to bring some understanding to it all, so I am not that concerned about the polarization and the back-and-forth. There are lines that need to be drawn and adhered to. But that has always been the case. John Adams and Thomas Jefferson -- oh, they hated each other and they would use surrogates to just knife and it is always going to be that way, because the pursuit of power is like the pursuit of money, you can't get enough. They can't get enough. And if there is somebody trying to inhibit their power, they want to hurt them, they want to diminish them, so I am realistic in the sense of being a historian to know that is not going to change. But what has to change is your understanding of really what is happening, really what is going on here.

Curtis Houck

47,668 просмотров • 10 месяцев назад

Angry Democrat caller ERUPTS live on C-SPAN, torches Democrats over govt shutdown — announces he’s LEAVING the party. “I’m a Democrat, but I don’t understand what the party is doing… They’re holding out because THEY DON’T LIKE THE ORANGE MAN IN OFFICE. “So why are they blaming the other side when they’re the ones that have to come to the table and do the votes? They have to vote the right way to open the government and make sure that everybody has their checks and is getting paid. “And I think it’s kind of cruel to actually sit back and not participate because you don’t feel like the other party is doing what you want them to do. “There’s a trans section in there as well. They want to give money to afford trans surgeries for young kids. “And all this stuff that the Democrats have now gone into, which I am nowhere near. In fact, I think I’m going to be LEAVING the Democrat Party because this happens too often where they’re blaming the opposite party when they know they can do the right thing. “They need to do the right thing and reopen this government instead of keeping it shut down. Like they’re hijacking the American people. I’ve seen it before. We’ve seen them vote the right way when they’re in power, so why the hell can’t they vote the right way when they’re not in power? “So get this government back open. Get the American people what they deserve. And this is basically a Schumer shutdown. From what I’ve seen, from what I’ve been watching on C-SPAN, what they show [is] the Democrats whining and crying and blaming. That’s what I see.” The caller’s rant clearly left the C-SPAN host unamused. “All right, Jason,” she said before moving on to the next caller.

Angry Democrat caller ERUPTS live on C-SPAN, torches Democrats over govt shutdown — announces he’s LEAVING the party. “I’m a Democrat, but I don’t understand what the party is doing… They’re holding out because THEY DON’T LIKE THE ORANGE MAN IN OFFICE. “So why are they blaming the other side when they’re the ones that have to come to the table and do the votes? They have to vote the right way to open the government and make sure that everybody has their checks and is getting paid. “And I think it’s kind of cruel to actually sit back and not participate because you don’t feel like the other party is doing what you want them to do. “There’s a trans section in there as well. They want to give money to afford trans surgeries for young kids. “And all this stuff that the Democrats have now gone into, which I am nowhere near. In fact, I think I’m going to be LEAVING the Democrat Party because this happens too often where they’re blaming the opposite party when they know they can do the right thing. “They need to do the right thing and reopen this government instead of keeping it shut down. Like they’re hijacking the American people. I’ve seen it before. We’ve seen them vote the right way when they’re in power, so why the hell can’t they vote the right way when they’re not in power? “So get this government back open. Get the American people what they deserve. And this is basically a Schumer shutdown. From what I’ve seen, from what I’ve been watching on C-SPAN, what they show [is] the Democrats whining and crying and blaming. That’s what I see.” The caller’s rant clearly left the C-SPAN host unamused. “All right, Jason,” she said before moving on to the next caller.

Vigilant Fox 🦊

73,192 просмотров • 10 месяцев назад

Bill C-22 (Lawful Access) allows the government to build a system that makes it easier to access your telecom data, your phone, internet, and other digital activity, by requiring networks to be ready for that access. The problem is how that system is being built. It is being shaped by government ministers, behind closed doors, and without full parliamentary scrutiny. Ministers will set the rules for how your data is collected, retained, and accessed — through regulation, not through open debate in Parliament. Bill C-22 is not just about access to your data. It is about control over the system that makes that access possible.

Bill C-22 (Lawful Access) allows the government to build a system that makes it easier to access your telecom data, your phone, internet, and other digital activity, by requiring networks to be ready for that access. The problem is how that system is being built. It is being shaped by government ministers, behind closed doors, and without full parliamentary scrutiny. Ministers will set the rules for how your data is collected, retained, and accessed — through regulation, not through open debate in Parliament. Bill C-22 is not just about access to your data. It is about control over the system that makes that access possible.

Dr. Leslyn Lewis

34,495 просмотров • 4 месяцев назад