Apple’s all-in approach to buy now, pay later (BNPL) is viewed as an indicator of the company’s increased emphasis on financial services. Apple Pay has been around since 2014, and three years ago the tech giant issued a credit card with the help of Goldman Sachs. Now, Apple Pay users will be able to avail themselves of the new Apple Pay Later. A subsidiary of the Cupertino-based iPhone firm has received the necessary licenses to launch the new financial offering in most U.S. states. Apple’s initial plans are to underwrite and fund loans capped at $1,000. Continue reading Apple to Shake-Up Financial Services Sector with BNPL Plan

Amazon and Microsoft dominate cloud computing but more businesses are leveraging smaller cloud rivals such as Google, Oracle and IBM. Experian, for example, launched with Amazon Web Services (AWS) in 2014, but is now using Microsoft, Google and Oracle, according to Experian global chief enterprise architect Mervyn Lally. At Oracle Cloud Infrastructure, executive vice president Clay Magouyrk said that more customers “adopt a multi-cloud strategy simply because some workloads run better or more cost-effectively on different clouds.” Continue reading Multi-Cloud Strategy Over a Single Provider Gains Momentum

As an experiment, some advertisers are placing TV ads in video games with the aim of reaching a younger demographic less likely to watch traditional television. Ad tech firm Simulmedia is running the tests, such as enabling the Turner division of AT&T’s WarnerMedia to run ads promoting Turner properties — the animated “Rick and Morty,” sci-fi series “Snowpiercer” and celebrity golf show “The Match” — within Electronic Arts’ “UFC 3” fighting game. That was followed by Experian testing an ad for Experian Boost within the same game. Continue reading Brands Experiment with Placing Ads in Console Video Games

Microsoft rolled out its new Microsoft 365 Personal and Family subscriptions, to be available April 21. The plans, which will replace and enhance current Office 365 plans, are priced at $6.99 per month for Personal (one person) plans and $9.99 per month for Family (up to six people) plans. Both of the new plans include Office and access to a Microsoft Family Safety app and new features in Microsoft Teams for consumers, both of which will debut later this year. Other new features will continue to be unveiled over time. Continue reading Microsoft Unveils New 365 Personal/Family Plans This Month

The automobile recommendation site Cars.com used to run its advertisements on TV, aimed at a broad swathe of consumers. But since early 2019, the online company began running its ads on streaming TV platforms such as Amazon Fire TV and Roku to target their ads more precisely to people shopping for cars. Targeted advertising is taking off as a trend because many factors now make it possible to more narrowly aim them to relevant viewers. Some of the data now available includes income, purchase history and web-browsing behavior. Continue reading More Marketers Test Targeted Ads on Streaming Platforms

The credit reporting company Experian is adopting machine learning to get a jump on identifying problems and predicting application behavior more reliably. Machine learning tools can help such Experian tools as ServiceNow, which monitors infrastructure performance and spots unusual, potentially threatening behavior. With machine learning, Experian hopes to head off and/or fix problems that could impact, and potentially lose, customers. The company also now mandates that monitoring be built into all new applications. Continue reading Experian Uses Machine Learning for Predictive Maintenance

In response to the recent outcry regarding how Facebook handles personal user data, the social media giant announced a new centralized page for users to control their privacy and security settings. Instead of having to visit multiple pages across the platform to change all privacy settings, users will now be able to use one centralized page. Users will also be able to review data the platform has collected about them over time. Facebook will officially introduce the system to users across the world in the coming weeks.

Continue reading Facebook’s New Centralized Page for Editing Privacy Settings

Equifax reported that hackers likely gained access to the personal information of about 143 million people in the U.S., making it the second biggest data breach after last year’s two Yahoo hacks, which impacted as many as 1.5 billion customers. The Equifax hack is almost twice as large as the J.P. Morgan Chase & Co. hack three years ago. The damage the hack to Equifax will do is as of yet unknown, but it could be serious, given the immense scope of the attack and the future potential for fraud.   Continue reading Equifax Data Breach, Discovered in July, Impacts 143 Million

In an October IPO filing, Vizio described its ability to provide “highly specific viewing behavior data on a massive scale with great accuracy.” This refers to Vizio’s Smart TVs ability to track the user’s viewing habits and share that information with advertisers, who use it to connect with that user’s devices. Vizio dubs this “Smart Interactivity” and it is turned on by default for the more than 10 million Smart TVs the company has sold. Users who do not want to be tracked in this fashion must opt-out. Continue reading Vizio Smart TV Tracks Users’ Viewing, Shares with Advertisers

Facebook and Nielsen are joining forces as part of an ambitious campaign to better measure how consumers are using their mobile devices for accessing entertainment media. As part of the mobile ratings Nielsen plans to introduce this fall, Facebook will scan its databases for the age and gender of its users who watch a TV show on their phone or tablet. The data will be shared with Nielsen and ultimately help networks and advertisers learn more about the viewing habits of consumers. Continue reading Nielsen Teams Up with Facebook to Measure Mobile TV Viewing