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While we’d all expected plastic bank cards to be replaced by apps eventually, the CEO of mobile banking startup Moven is suggesting that Apple’s backing could mean the end of physical bank cards within 2-3 years.
The additional sweetners here are three fold. Firstly, tokenization will avoid much of the type of breaches we’ve seen at Target and Home Depot because the token is only a one-time use thing. Secondly, the move to tokens and the combination of biometrics, etc allow for the emergence of a ‘cardholder present’ approach to interchange rates that will potentially give mobile payments a competitive merchant rate. Lastly, the US might effectively jump straight from magstripe to mobile, especially if issuers can figure out how to reduce the cost of card replacement by moving straight to mobile SE and tokens …
The U.S. has lagged behind Europe and Asia in switching from magnetic stripe cards to ones with embedded chips, for two main reasons, says Moven’s Brett King. First, uncertainty over standards, with some suggesting that Bluetooth LE/iBeacon might render NFC obsolete, leading to banks entering wait-and-see mode. Apple’s choice of NFC for Apple Pay means “that debate is over.”
Second, banks have been deterred by the cost of the switch. The cards themselves are more expensive to make, as are the more sophisticated payment terminals needed. If banks moved straight to mobile, however, the costs of EMV cards could be eliminated.
Apple Pay is supported by the iPhone 6 and iPhone 6 Plus, with the Apple Watch likely allowing mobile payment via older iPhones. Higher-end Android handsets also have NFC support, allowing them to be used for mobile payment with suitable apps.
If the idea of abandoning physical cards so quickly seems ambitious, King points out that the MINT markets – Mexico, Indonesia, Nigeria, Turkey – are already planning to move directly to mobile for new account holders, and that Apple has removed the final barrier to mature markets following suit.
A likely model for adoption rate for mobile payments in developed markets is 2-3 years, based on what we’ve seen around Kindle, iTunes, App and Smartphone adoption over the last 7-8 years.
Apple may have taken its time in adopting NFC, but just as it did with smartphones and tablets, the company looks set to move mobile payment into the mainstream.
The move may not be without its regulatory hurdles, however. A piece in The Hill suggests that Apple may have effectively become a bank.
By moving into the mobile payment space, Apple might soon find itself subjected to new oversight from federal regulators.
“Rules that apply to plastic card payments also apply to payments with a phone,” said Moira Vahey, a spokeswoman for the Consumer Financial Protection Bureau (CFPB).
Jason Oxman, CEO of the Electronic Transactions Association, the trade group for payment companies, said that use of Apple Pay may also create new privacy issues.
“It was never a question for regulators or legislators: ‘Are you going to be using location-based technology for your credit card,’” he said. “Because your plastic credit card doesn’t know where you are. But your phone does.”
Apple is on record as stating that Apple Pay does not store card numbers (using a separate unique number to identify the card), nor log transactions.
Via Finextra. Photo credit: AP.
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Apple today has announced a dramatic expansion of end-to-end encryption for its various cloud services. Called Advanced Data Protection, this initiative expands end-to-end encryption to a number of additional iCloud services, including iCloud device backups, Messages backups, Photos, and much more.
iCloud already offered end-to-end encryption for 14 different data categories, including things like iCloud Keychain and Health data. Today’s expansion, however, brings the number of data categories protected by end-to-end encryption to 23. The new iCloud services and data types now protected by end-to-end encryption are:
“iCloud encrypts your data to keep it secure,” Apple explains. “Advanced Data Protection uses end-to-end encryption to ensure that iCloud data types listed here can only be decrypted on your trusted devices, protecting your information even in the case of a data breach in the cloud.”
At launch, Advanced Data Protection will be opt-in only, meaning you have to go into the Settings app and navigate to the iCloud menu to enable the feature. While the idea is that the feature will presumably eventually expand to be enabled for everyone, it’s still early in the implementation.
If you enable Advanced Data Protection, it means that no one will hold the keys to decrypt this data, including Apple. The only way to access the data is through one of your trusted Apple devices like your iPhone, iPad, or Mac.
This means that if you lose access to your devices, you will only be able to regain access using a recovery key or recovery contact. Because of this, if you enable the Advanced Data Protection feature, you’ll be guided through the process of setting up at least one recovery contact or recovery key before the feature is turned on.
Ivan Krstić, Apple’s head of security engineering and architecture, explained that this is Apple’s “highest level of cloud data security.”
“Advanced Data Protection is Apple’s highest level of cloud data security, giving users the choice to protect the vast majority of their most sensitive iCloud data with end-to-end encryption so that it can only be decrypted on their trusted devices.”
Advanced Data Protection is launching today in the latest iOS 16.2 beta. It will be available to everyone in the United States by the end of this year, with an expansion to the rest of the world slated for early 2023.9to5Mac’s Take
This marks a huge upgrade to Apple’s cloud services in terms of encryption. In particular, the lack of end-to-end encryption for Messages in the cloud and device backups has been one of the most common complaints among users. While iMessage as a service has been end-to-end encrypted since the beginning, the loophole in the chain was that the iCloud backups and Messages backups were not end-to-end encrypted.
As Apple explains:
Messages in iCloud is end-to-end encrypted when iCloud Backup is disabled. When iCloud Backup is enabled, your backup includes a copy of the Messages in iCloud encryption key to help you recover your data. If you turn off iCloud Backup, a new key is generated on your device to protect future Messages in iCloud. This key is end-to-end encrypted between your devices and isnʼt stored by Apple.
But with the new Advanced Data Protection feature enabled, Messages in iCloud is “always end-to-end encrypted.” So when iCloud Backup is enabled, “everything inside it is end-to-end encrypted, including the Messages in iCloud encryption key.”
With this expansion, there are only three major iCloud data categories not covered by end-to-end encryption: iCloud Mail, Contacts, and Calendar. Apple says this because of these services needing to rely on protocols that “interoperate with the global email, contacts, and calendar systems.”
More technical details are available in Apple’s Platform Security guide. There’s also a new support document with more details and an overview of end-to-end encryption for each service.
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It’s been a long year for kids and teachers, but here we are, almost at the finish line. It’s a time to enjoy the students you got to know and care about this year and celebrate the unique classroom identity they formed. Staying focused on work as the weather turns warm and summer is on the horizon is never easy. These strategies can help you keep your classroom calm, incorporate fun into learning, and reflect on all you have accomplished together during the final weeks of school. They have worked well with my first graders and could be effective in other elementary grades as well.
Keep the energy calm. Sometimes when the energy level in the room is high, sticking to established routines can help keep expectations clear and encourage students to stay focused on class procedures you have worked hard to establish during the year. To do this, we sometimes need to slow down and practice these expectations again to help students reset behaviors and remember classroom norms.
Routines can also help kids feel safe when inevitable change is ahead at the end of the year and things feel uncertain. Knowing what to expect each day keeps school a predictable place that kids can count on. Incorporating meditations into your day or a quiet time with the lights low when you give students a choice to write, read, or draw independently is another way to keep the energy calm and focused.
Take a break. If the energy level in the class begins to escalate, using Responsive Classroom’s “Take a Break” method is an excellent way to keep the classroom calm, safe, and orderly. It allows kids to step away from the group when they begin to lose self-control and come back when they are ready to refocus on learning and work productively with others. Sometimes, even the teacher needs to relax for a moment.
A good way to do this is to have the whole class settle in to listen to a story together from Storyline Online. It’s a fun way to engage with well-loved books. For example, try Oprah Winfrey reading The Hula-Hoopin’ Queen, and then the class can have a Hula-Hoop contest outdoors. At the end of the day, you can enjoy Chris O’Dowd reading Arnie the Doughnut and then share a box of doughnuts. It is a sure way to bring a few calm moments, combined with some fun and laughter, into your day.
Keep learning fun. Allowing kids to have academic choices within a framework is one way to keep them engaged at the end of the year. Use the independence that your students have developed over the year, and give them some freedom in designing how they will accomplish their work. This could look like having stations at math time where kids choose between their favorite math games, having a genius hour of student-directed research, or engaging in a project-based learning activity such as identifying and mapping the plants or trees growing on your school property.
Also, incorporating learning games like Quiz, Quiz, Trade, playing charades with vocabulary words, or having students create and lead review games using an online platform like Kahoot or Quizlet can keep things interesting for kids.
Get outside. Spring is the perfect time to get outside with your students to see new leaves on trees, observe flowers popping up, and look for birds returning to the schoolyard. This year, I have taken my class outside each week for something we call “sit spots, storytelling, and hot tea.” My students spend 10–15 minutes sitting alone in their sit spots with a journal to write and draw what they observe in nature. It encourages them to notice what is happening around them as the seasons change. Then we come back together to tell stories of what we saw or how we felt as we share cups of tea. It is our favorite way to center ourselves and reflect together as a class.
Write gratitude letters. The end of the year is a great time to look back and reflect on the highlights. I will often ask my students: What did you accomplish this school year? What are you most proud of? Who helped you achieve your goals? We use these reflections to write gratitude letters to friends and teachers who were important to us throughout the year. The kids love walking around the school to deliver a gratitude letter to a favorite teacher or friend. It is a wonderful way to celebrate accomplishments and appreciate the people in your school community who helped contribute to your students’ successes.
Make time for celebrations. Find ways to plan celebrations for the kids to look forward to each week outside of the regular work routine. It can be simple, like a walking field trip around the neighborhood or heading outside for a rock-paper-scissors tournament. It can also be a more elaborate celebration, such as inviting families in for an author’s breakfast to listen to the kids reading some of their writing from the year, an outdoor field day, or a class picnic. Having your class vote on ways they would like to celebrate the end of the year makes things feel more festive and joyful for students and teachers.
As hard as it is to keep kids engaged at the end of the school year, it can also be a joyful time with your students. Keeping a calm, predictable routine until the end, finding ways to make learning fun, and reflecting on accomplishments together are reliable ways to keep kids happy and engaged, reduce behavior issues, and end the year strong and proud.
The Top 10 Use Cases of End-to-End Automation in 2023
In recent years, end-to-end automation has become increasingly popular as a method for businesses to streamline their workflows and optimize their operations. End-to-end automation involves automating entire workflows or processes from start to finish, rather than just individual tasks. By using end-to-end automation, businesses can reduce manual errors, minimize process times, and increase productivity. In this article, we will explore the top 10 use cases of end-to-end automation in 2023 in more detail.Customer Service and Support
Customer service and support is a crucial area for any business, as it directly impacts customer satisfaction and retention. End-to-end automation can help businesses streamline their customer service and support processes, leading to better customer experiences. Automated workflows can be used to handle customer inquiries, feedback management, and customer issue resolution. By automating these processes, businesses can ensure that their customers receive timely and accurate responses, leading to higher satisfaction rates.Marketing and Sales Human Resources
Human resources departments are responsible for managing employee-related tasks, such as onboarding, performance management, and benefits administration. End-to-end automation can help HR departments manage these tasks more efficiently, leading to higher employee satisfaction and retention rates. Automated workflows can be used for employee onboarding, performance management, and benefits administration. By automating these processes, HR departments can reduce the amount of time spent on administrative tasks and focus on higher-value activities, such as employee development and engagement.Finance and Accounting
Finance and accounting departments are responsible for managing financial tasks, such as invoice processing, expense management, and financial reporting. End-to-end automation can help finance and accounting departments optimize these processes, leading to better financial management. Automated workflows can be used for invoice processing, expense management, and financial reporting. By automating these processes, finance and accounting departments can reduce manual errors and ensure that financial data is accurate and up-to-date.Supply Chain Management
Supply chain management is a critical area for businesses, as it directly impacts their ability to deliver products and services to customers. End-to-end automation can help businesses optimize their supply chain management processes, leading to improved supply chain efficiency. Automated workflows can be used for inventory management, order processing, and logistics management. By automating these processes, businesses can ensure that they have the right inventory levels, that orders are processed quickly and accurately, and that products are delivered on time.Manufacturing and Production
Manufacturing and production are crucial areas for businesses that produce physical goods. End-to-end automation can help businesses optimize their manufacturing and production processes, leading to better quality products and improved efficiency. Automated workflows can be used for production scheduling, quality control, and machine maintenance. By automating these processes, businesses can reduce manual errors, minimize downtime, and ensure that products are of consistent quality.Information Technology
Information technology (IT) departments are responsible for managing technology-related tasks, such as IT service management, network monitoring, and incident management. End-to-end automation can help IT departments manage these tasks more efficiently, leading to higher system availability and reliability. Automated workflows can be used for IT service management, network monitoring, and incident management. By automating these processes, IT departments can reduce manual errors, and minimizeProject Management
End-to-end automation can help businesses streamline their project management processes, leading to better project outcomes. Automated workflows can help in task management, project scheduling, and progress tracking.Healthcare
End-to-end automation can help healthcare organizations optimize their patient care processes, leading to improved patient outcomes. Automated workflows can help in patient registration, scheduling, and medical record management.Education
Watch Apple’s “Tap to Pay” feature, which lets the iPhone accept contactless payments without using additional hardware, in use at Apple Park’s visitor center.
The “Tap to Pay” feature was announced in February 2023, with the company’s visitor center at the Apple Park headquarters already supporting the feature.
A video included right ahead shows a customer paying for their goods with Apple Pay simply by tapping their iPhone against a retail employee’s iPhone.
It’s not clear when support for the feature was implemented, but it would appear that Apple has begun a controlled rollout of “Tap to Pay”.Watch “Tap to Pay” in use at the Apple Park visitor center
A developer shared on his Twitter a video showcasing the feature in action. As you can see for yourself, this new Apple Pay feature works just as you’d expect. An app on a retail employee’s phone which runs the Isaac payment system acts as a contactless NFC terminal. A customer then makes the payment by tapping the top of their iPhone gently against the other device. Apple says it created “Tap to Pay” to help small businesses and individuals accept payments on the go without having to use additional hardware such as dongles from Square. The feature effectively turns your NFC-enabled iPhone into a payment terminal.
— Michael (@NTFTWT) May 15, 2023
Apple has said that “Tap to Pay” will be used across its retail stores, and this is the first known use of the feature in the wild. The Apple Park visitor center is a retail store located on the company’s campus. It has a cantilevered carbon fiber roof that appears to float (it’s only supported by stone-clad cores and no other extraneous columns for support). The store is open only to Apple Park visitors and neighbors.Your iPhone is now a payment terminal
Accepting credit card payments on a phone via NFC without requiring any additional external hardware is nothing new. What’s new is Apple’s willingness to permit third-party developers to implement this feature in their apps. Previously, no apps could use contactless payments features that require NFC hardware.
“Tap to Pay” should especially cater to small businesses and individuals such as hairstylists, who will soon be able to process tap-to-pay contactless payments right out of the box. Apple announced the Tap to Pay feature earlier in 2023 but didn’t provide a firm launch date beyond a vague “later in 2023” target. But with the Apple Park visitor center now using the tech, it shouldn’t be long before the first “Tap to Pay” apps start arriving. No software update should be required to use this feature because support for “Tap to Pay” is reportedly present in iOS 15.4.Tap to Pay requirements
“Tap to Pay” will first launch in the United States
The feature requires an iPhone XS or later and a partner-enabled app. The first non-Apple payment platforms to offer “Tap to Pay” to customers will be Stripe and Dutch payment processing company Adyen, with additional partnerships and apps arriving later this year. Read: How to fix iPhone widgets not working or updating
Adam Birney / Android Authority
If you frequently use social media or enjoy scrolling through the internet’s never-ending supply of emojis and memes, you’ve likely encountered the ubiquitous skull emoji 💀. But what does this iconic symbol mean? More than just a fun touch for the Halloween season, the skull emoji has come to convey several emotions in the digital lexicon. Here’s some context to help understand the diverse interpretations of the skull emoji.
The skull emoji 💀 typically symbolizes extreme emotions, such as dying of laughter, exhaustion, or expressing awkwardness or embarrassment in a hyperbolic and playful manner.What does the skull emoji mean?
Despite its somewhat morbid appearance, the skull emoji doesn’t normally denote death or danger in the literal sense. Instead, it often expresses emotions ranging from uncontrollable laughter to sheer exhaustion. Here are a few use cases and examples to better understand how the skull emoji.Died laughing
In many cases, the skull emoji is used as a reaction to convey the metaphor of dying of laughter. If a joke, video, or meme is so hysterically funny that you mind yourself struggling to breathe or type, the skull emoji is a quick way to communicate your state.
Example: “I just watched that cat video you sent. 💀” This doesn’t mean the person has kicked the bucket; instead, they’re saying they found the content incredibly amusing. The crying emoji is also an appropriate substitute.Dead tired
Ever been so worn out that you felt you could drop dead? That’s another moment where the skull emoji shines. It’s an exaggerated way to express extreme exhaustion or fatigue, often after a long day of work, an intense workout, or even after studying for hours.
Example: “Just finished a 10-hour shift at work. 💀” Again, no need to call an ambulance. The person is simply articulating their fatigue in a hyperbolic, lighthearted way.“I’m gonna die” moments Feeling embarrassed
The skull emoji can also perfectly encapsulate those cringe-worthy moments when we wish the ground could swallow us up. It’s a way of saying we wish we could disappear from moments that are just too awkward or uncomfortable to bear.
Some examples are: “Dad picked me up at school blaring Backstreet Boys with the windows down 💀,” or “Walked into the wrong classroom, sat down, and didn’t realize until the lecture started. 💀”
This doesn’t mean the individual is in mortal danger. Instead, they’re expressing their mortification in a playful and self-deprecating manner.
Overall, with its grim expression, the skull emoji has found a new lease of life in the digital universe. From death by laughter to sinking into the abyss of embarrassment, this icon has infused itself into our everyday vocabulary—a tribute to the irony of life, where even a skull can encapsulate countless emotions.
The 💀 emoji, or the skull emoji, symbolizes a range of strong emotions, from laughter to exhaustion or embarrassment, in digital communication.
You can use the 💀 emoji on any digital platform where emojis are allowed, like social media posts, text messages, and emails, to express feelings in a humorous and dramatic way.
Use the 💀 emoji when you want to convey extreme emotions. For instance, when you find something incredibly funny, when you’re extremely tired, or when you feel embarrassed or awkward.
Yes, people often use the 💀 emoji to show that something is so funny they are ‘dying of laughter.’
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