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MARCO_18_2910049991-8 | Even if we are a simulated reality, there is no way to be sure the beings running the simulation are not themselves a simulation and the operators of that simulation are not a simulation. ' Recursive simulation involves a simulation or an entity in the simulation, creating another instance of the same simulation, runni... | {
"last_modified_datetime": "2024-04-12T16:39:48.382627"
} |
MARCO_18_2910246170-7 | Criticism of Bostrom's anthropic reasoning Further information: Anthropic principle Bostrom argues that if 'the fraction of all people with our kind of experiences that are living in a simulation is very close to one', then it follows that we probably live in a simulation. Some philosophers disagree, proposing that per... | {
"last_modified_datetime": "2024-04-12T16:39:48.382627"
} |
MARCO_35_313211833-6 | Physicists simulate space, and the subatomic particles in it, using coordinates on a grid. So nuclear physicist Silas Beane and some colleagues suggested in a 2014 paper that perhaps the mass simulation we could be living in would use that same coordinate system. Their logic was that if certain particles — like high-e... | {
"last_modified_datetime": "2024-04-12T16:39:48.382628"
} |
KILT_247365-2 | His argument states that at least one of the following statements is very likely to be true: Bostrom's argument rests on the premise that given sufficiently advanced technology, it is possible to represent the populated surface of the Earth without recourse to digital physics; that the qualia experienced by a simulate... | {
"last_modified_datetime": "2024-04-12T16:39:48.382629"
} |
MARCO_14_1571463715-3 | Bostrom points out that the only way we could be sure is if a message popped up in front of our eyes saying: “You are living in a computer simulation.” Or, he says, if the operators transported you to their reality (which, of cours... | {
"last_modified_datetime": "2024-04-12T16:39:48.382629"
} |
MARCO_18_2910049991-3 | We are living in a reality in which posthumans have not developed yet and we are actually living in reality. We will have no way of knowing that we live in a simulation because we will never reach the technological capacity to realize the marks of a simulated reality. Bostrom's argument rests on the premise that given... | {
"last_modified_datetime": "2024-04-12T16:39:48.382630"
} |
MARCO_23_1070091829-6 | The fundamentals of this theory date back to Descartes, who asked, “How can we know that the world around us is real—are we just a brain in a vat, which thinks it’s living in the real world?” Instead of being brains in a vat, however, most modern supporters of this notion think we’re in a computer simulation designed b... | {
"last_modified_datetime": "2024-04-12T16:39:48.382630"
} |
MARCO_48_104435441-6 | “You could certainly imagine a scenario where a window pops up in front of you, saying, ‘You are in a simulation; click here for more information,’” he says. “That would be a knock-down proof.” More realistically, physicists have proposed experiments that could yield evidence that our world is simulated. For example,... | {
"last_modified_datetime": "2024-04-12T16:39:48.382631"
} |
MARCO_04_654519061-8 | Smoot adds that, given how widespread we now know other planets to be ( with another Earth-like one right on our cosmic doorstep ), it would be the height of arrogance to assume that we are the most advanced intelligence in the entire Universe. What about option (2)? Conceivably, we might desist from making such simul... | {
"last_modified_datetime": "2024-04-12T16:39:48.382631"
} |
MARCO_10_804773259-1 | 10 Creepy and Unexplained Glitches in Reality | What to Do When Bored Tag: Aliens → Paranormal 10 Creepy and Unexplained Glitches in Reality Flickr | Ji Hoon Lee Glitches in reality might just be some of the weirdest phenomenon occurring today. Also known as 'glitches in the matrix,' these unusual events help provide... | {
"last_modified_datetime": "2024-04-12T16:39:48.382632"
} |
MARCO_25_365440623-3 | As noted by Fast Company, storing just 20 spins of one particle using this model would require one terabyte of RAM. The Nature of Reality So what happens if we’re living in a simulation? Some experts theorize that as the program continues to run, problems will emerge — glitches in the matrix, so to speak. Consider th... | {
"last_modified_datetime": "2024-04-12T16:39:48.382633"
} |
MARCO_31_291140722-1 | 10 Terrifying Glitch in the Matrix Stories | Futurism 10 Terrifying Glitch in the Matrix Stories by Sasha Konikovo 2 years ago in fact or fiction Is reality what we really think it is or was 'The Matrix' spot on? If you read these glitch in the matrix stories, you may just start wondering the same thing... Did you ev... | {
"last_modified_datetime": "2024-04-12T16:39:48.382633"
} |
MARCO_31_430990620-4 | Strange Phenomena Furthermore, if we are living in a simulated reality, it also explains certain non-scientific phenomena; déjà vu, ghosts and other paranormal activity could be glitches in the program, psychic ability and intuition could simply be the result of accessing information within the program, reincarnation c... | {
"last_modified_datetime": "2024-04-12T16:39:48.382634"
} |
MARCO_20_570989692-3 | For an Ultimate Pampering Mothers Day Gift Basket, gather up any items that would make bath-time a pampering and relaxing experience. Think of how you couple recreate a spa-like ambiance at home. In keeping with the vanilla theme, the tru mélange candle fit right it, a pumice stone and wooden brush matched as well as ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382634"
} |
MARCO_23_1600238475-4 | Get a gift certificate for a spa with luxury to spoil her ever need. Make a spa in a box. Get everything she would need to pamper herself. You could include things like a nice plush towel, housecoat, bubble bath, body wash, bath salts, inflatable bath pillow, candles, face mask kits, sponges or loofas, foot massager ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382635"
} |
MARCO_36_1287798402-9 | I had one of these in the past and it was so amazing to use after a long day; it really helps relax those tense muscles and tired areas. 3 . Spa Basket EVERY mom loves to be pampered, but sometimes there is not enough time to actually leave the house or it costs a ton of money. This would be an excellent DIY Mother’s... | {
"last_modified_datetime": "2024-04-12T16:39:48.382635"
} |
MARCO_47_1025193660-5 | She'll adore this highly reviewed self-care box that includes a 9-ounce scented soy candle (choose from more than a dozen options), 2-ounce jar of body butter, handmade bar soap, moisturizing lip balm, travel-size perfume, bag with tea and honey, box of matches and personalized card. Add room spray or bath salts for an... | {
"last_modified_datetime": "2024-04-12T16:39:48.382636"
} |
MARCO_51_1542142755-2 | I love Mother’s day, don’t you? All moms deserve a bit of pampering for Mother’s Day, so this year I decided to put together a little something for all the Moms in the family. One of my favorite gifts to give for this type of occasion is gift baskets. Gift Baskets are a great gift option for when you need to put toge... | {
"last_modified_datetime": "2024-04-12T16:39:48.382637"
} |
MARCO_13_684840871-2 | So pick your favorites and feel pampered! Mother’s Day Home Spa Every mom loves some pampering and what fun to create a special spa experience for her without breaking the bank. I really think kids feel such a sense of pride and gratification when they can do something for their mom by themselves and surprise her too ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382637"
} |
MARCO_13_684840871-5 | Rinse thoroughly with luke warm water. Homemade Face Masks Face masks are easy to make with foods that really produce results! Facials at home are easy and fun. Banana Honey Yogurt Face Mask What you’ll need: 1 banana (ripe so it’s soft but not spotted), some honey, and yogurt. In a bowl mash the banana, then mix wi... | {
"last_modified_datetime": "2024-04-12T16:39:48.382638"
} |
MARCO_23_34363864-2 | If you have never taken the time to consider what your beauty products are made of, I am confident that browsing through the pages at Skin Deep will inspire you to do so. It may also inspire you to begin making your own beauty products at home. Why should I spend the time making beauty products at home? 1. Making be... | {
"last_modified_datetime": "2024-04-12T16:39:48.382638"
} |
MARCO_38_279071407-5 | Be careful while choosing the wax for your candles. Some waxes release fumes that are harmful to your health. You can opt for bee wax. It might be expensive, but the end result is totally worth the trouble. Be careful with combinations if you are thinking of using more than one essential oil. You don’t want to give... | {
"last_modified_datetime": "2024-04-12T16:39:48.382639"
} |
MARCO_38_279071407-6 | For an oily, irritated scalp, you can add mint or eucalyptus oil. Lotion Using homemade lotion is great when you are trying to avoid harmful chemicals. Your mom’s skin will need a lotion that moisturizes and tightens the skin. An easy lotion recipe is using 100 percent natural aloe gel and whipping in an oil of your ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382639"
} |
MARCO_00_586920406-2 | To level up, Manuka honey is believed to be even more potent than raw honey. Native to New Zealand, it possesses a compound called methylglyoxal, which lends antimicrobial powers. A little bit of olive oil adds nourishing moisture and extra antioxidants. This recipe also includes essential oils to elevate your skinca... | {
"last_modified_datetime": "2024-04-12T16:39:48.382640"
} |
MARCO_04_687670625-1 | Natural Face packs for Dry skin - Natural face packs, Face pack, Best face pack, Skin care Beauty Home » Routine Care »Natural Face Packs for Dry Skin Natural Face Packs for Dry Skin Banana Face Pack for Dry Skin What you need: 2 teaspoons of honey little bit of ripe banana a small bowl of mashed yogurt How to apply: A... | {
"last_modified_datetime": "2024-04-12T16:39:48.382641"
} |
MARCO_10_1121897022-2 | In fact, you probably have most of the necessary ingredients in your home already! Making your own beauty products at home is as simple as gathering the materials and mixing them together. Doing so will save you money and keep you looking your best! Steps Method 1 of 3: Creating Skincare Products Download Article PRO... | {
"last_modified_datetime": "2024-04-12T16:39:48.382641"
} |
MARCO_24_1842027267-3 | Sugar And Olive Oil – DIY Body Scrub: These two natural ingredients when combined together make one of the best homemade body exfoliators. This scrub will slough off all the dead skin cells, leaving your skin super soft and smooth. Olive oil contains natural antioxidant properties that not only protects your skin, but... | {
"last_modified_datetime": "2024-04-12T16:39:48.382642"
} |
MARCO_38_286379417-3 | I used this basic homemade body scrub recipe to make to following awesome scrubs: Warm Vanilla Sugar Body Scrub Use vanilla essential oil -OR- 2 Tbsp. vanilla extract. Lemon Salt Body Scrub Use lemon essential oil and add 1 Tbsp of lemon zest. Grapefruit Mint Salt Scrub Use grapefruit essential oil and 1 Tbsp of grape... | {
"last_modified_datetime": "2024-04-12T16:39:48.382642"
} |
MARCO_21_1040240025-5 | Before applying, give it a good shake to evenly disperse the oils, and be sure to let it sink in for a few minutes before getting dressed. Next: Check out this simple body spray that banishes bacne . Print No ratings yet Essential Oil DIY Deodorant Spray Vodka is the secret ingredient in this natural DIY deodorant spr... | {
"last_modified_datetime": "2024-04-12T16:39:48.382643"
} |
MARCO_22_274143610-4 | Homemade Deodorant Stick Yield: 2 containers Prep Time: 5 minutes Cook Time: 5 minutes Total Time: 10 minutes A fast & easy solid homemade deodorant stick that really works! You can make 2 sticks in 10 minutes with all natural ingredients you can feel good about. Ingredients 3/4 oz beeswax 2 oz coconut oil 3/4 oz shea... | {
"last_modified_datetime": "2024-04-12T16:39:48.382643"
} |
MARCO_25_779621650-1 | Easy 2-Ingredient Essential Oil Deodorant Recipe - One Essential Community Easy 2-Ingredient Essential Oil Deodorant Recipe February 1, 2018 By Sarah Lewis Home Essential Oil Beauty Recipes Easy 2-Ingredient Essential Oil Deodorant Recipe Share Email It’s hard to find natural deodorants that really work. And even hard... | {
"last_modified_datetime": "2024-04-12T16:39:48.382644"
} |
MARCO_31_819352125-3 | Before You Start, You’ll Need Coconut oil (or 1/2 as much of a liquid oil if you are allergic to coconut oil) shea butter , cocoa butter or mango butter (or a mix of all three) beeswax (pastilles) Optional: Vitamin E oil baking soda (Omit this if you have sensitive skin and just use extra arrowroot) organic arrowroot p... | {
"last_modified_datetime": "2024-04-12T16:39:48.382645"
} |
MARCO_51_772241605-5 | Botanical Deodorant 1 tablespoon Glycerin 2 tablespoons Vodka or Witch Hazel 1/2 cup Witch Hazel 1/2 teaspoon Liquid Chlorophyll 10 drops essential oil of choice Mix together all ingredients and stir well. Pour into a spray bottle or clean container with a tight-fitting lid. To apply, spray underarms or use clean cott... | {
"last_modified_datetime": "2024-04-12T16:39:48.382645"
} |
MARCO_00_588384791-4 | On the bright side, it is possible to create your own at home body wrap as long as you do it sensibly. Here’s how to try it for yourself: Exfoliate. Create your own body scrub out of natural food products that you may have in your home right now.Here’s our favorite (and cheapest) recipe: – 1 part oil (we like coconut ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382646"
} |
MARCO_20_1380187541-16 | • Apply to skin in circular motions, then rinse off. DIY Coconut Butter Body Scrub Of course, body exfoliating should make you feel soft. And with this homemade body scrub, your skin will absorb the butter for a soft skin appearance. Ingredients: • ½ cup of shea butter or cocoa butter • 3 tablespoons of olive oil • 3... | {
"last_modified_datetime": "2024-04-12T16:39:48.382646"
} |
MARCO_36_1748542596-7 | It’s incredibly easy to make (like, you need only four ingredients and you definitely already have them in your kitchen), and it leaves your skin looking bright and dewy every time you use it. Here’s the drill: The Ingredients: 1 cup white sugar 1 cup raw sugar ½ cup coconut oil ½ cup olive oil The combo of white and r... | {
"last_modified_datetime": "2024-04-12T16:39:48.382647"
} |
MARCO_45_803675808-4 | If you plan to sell your scrubs, it is best for you to pick the most popular ingredients that will not hurt your wallet too much before you get a return on your investment. Do not be afraid of experimenting on small batches of product to decide which formulas work best. However, make sure you are not trying all of the... | {
"last_modified_datetime": "2024-04-12T16:39:48.382647"
} |
MARCO_49_1824185962-5 | Sugar in the Morning, Sugar in the Evening Sugar is something that should be used as an occasional treat rather than part of your daily consumption. However, sugar isn’t always bad for you. Did you know that it makes an excellent scrub for your skin? Sugar has natural alpha-hydroxy acids that can improve the texture ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382648"
} |
MARCO_21_1042469229-2 | Try one of these to boost the appearance of your skin: The DIY Honey and Oatmeal Scrub Ideal for: Dry and irritated skin. Oatmeal has been used for many years as an ingredient in skincare products because of its gentle anti-inflammatory properties, while honey keeps the skin moisturized. With this amazing scrub coconu... | {
"last_modified_datetime": "2024-04-12T16:39:48.382649"
} |
MARCO_28_81767398-3 | 2. Olive oil moisturiser Image courtesy: iStock Ingredients: Half cup extra virgin olive oil Two capsules of vitamin E Two tbsp coconut oil One tbsp beeswax Combine the coconut and olive oil with the beeswax in a pan. Let it simmer until the content is melted. After crushing the capsules of vitamin E, add them to the ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382649"
} |
MARCO_40_1521313919-3 | Want more beauty tips and recipes like this recipe for homemade face moisturizer? If so, you can explore other homemade beauty products on this site including: Homemade Conditioner for Natural Hair DIY Face Scrub for Acne DIY Hair Growth Spray DIY Microdermabrasion Paste So, ready to learn how to make face moisturizer?... | {
"last_modified_datetime": "2024-04-12T16:39:48.382650"
} |
MARCO_49_103140138-2 | You'll receive a crumbly, waxy substance. Here's how to turn it into your own homemade moisturizer -- a lovely luxury for yourself, and a wonderful gift too. This is my personal recipe, which I've used almost exclusively as a moisturizer -- face, hands, elbows, everything -- for over a year. Sadly, it has not yet rev... | {
"last_modified_datetime": "2024-04-12T16:39:48.382650"
} |
MARCO_53_601113959-9 | Revitalizing Hibiscus Moisturizer For Dry Skin You Will Need 2 tablespoons hibiscus tea 1 cup extra virgin coconut oil Method Grind the hibiscus tea into powder. Melt the coconut oil in a double boiler. Add the hibiscus tea powder to the oil and cover it for a while. Use a cheesecloth to strain the oil and separate t... | {
"last_modified_datetime": "2024-04-12T16:39:48.382651"
} |
MARCO_13_320946250-4 | To make your lotion, you can add Vitamin E Oil for enhanced skin-healing properties, and you may choose to add essential oils if you have some favorites, those these steps are both optional. I personally love the fresh, light smell of pure coconut oil lingering around me throughout the day, so I tend to leave these ste... | {
"last_modified_datetime": "2024-04-12T16:39:48.382651"
} |
MARCO_25_262671939-5 | Check out this soap, this buttermilk bath, and this incredible facial mask! Rose-Scented Homemade Lotion Recipe Print Recipe Perfectly Foolproof Rose-Scented Homemade Lotion {Pump-able} Make this rich homemade lotion with a pump-able consistency & luxurious rose aroma with use of a few specific ingredients to ensure a ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382652"
} |
MARCO_33_500264550-1 | Aromatherapy Lotion Recipe | AromaWeb Easy Aromatherapy Lotion Recipe I was torn on what title to give this recipe because this recipe isn't made from scratch, and I'm not trying to be misleading. Making lotion from scratch is a bit complex (but definitely worth the effort), and I wanted to offer a recipe that beginne... | {
"last_modified_datetime": "2024-04-12T16:39:48.382653"
} |
MARCO_40_1521300842-5 | Continue to Content Gingerbread Body Lotion Active Time: 40 minutes Total Time: 40 minutes Difficulty: Easy Enjoy the tantalizing scents of fall and the holiday season with this all natural homemade body lotion recipe. This incredibly moisturizing Gingerbread Body Lotion contains coconut oil and Shea butter in addition... | {
"last_modified_datetime": "2024-04-12T16:39:48.382653"
} |
MARCO_54_179087980-2 | The cherry on top of this recipe comes in with the inclusion of printable gift labels to make your lotion gifts as unique as your gift recipients. Ingredients 18, 4oz glass jars (I used Ball 4oz jelly jars) 4, 16oz jars of coconut oil (Use Trader Joe’s organic virgin coconut oil) 2, 10ml bottles of essential oil (Org... | {
"last_modified_datetime": "2024-04-12T16:39:48.382654"
} |
MARCO_04_1073895551-1 | Lotion Bases with No Fragrance | Bulk Apothecary Home Make It Personal Care Products Unscented Bases Unscented Bases Wholesale Lotion Base and Other Unscented Bases Direct from the manufacturer! All of our amazing unscented bases below are great for people with allergies or for customers looking to make their own cust... | {
"last_modified_datetime": "2024-04-12T16:39:48.382654"
} |
MARCO_13_939994859-2 | Vaseline Intensive Care Lotion, Advanced Repair Unscented The Vaseline Intensive Care Lotion, Advanced Repair Unscented comes into the market with a prescription strength moisturization prowess, and its unscented formulation makes it an ideal choice for anyone suffering from the dry and itchy skin. The lotion does a gr... | {
"last_modified_datetime": "2024-04-12T16:39:48.382655"
} |
MARCO_26_1452799507-1 | (1) Lotion Base – Pure Essential Supply, Inc. Lotion Base Lotion Base is what body lotion, creams, hand lotion, body butter & hand cream is made from. Our wholesale lotion base is a thick paste that contains very little water. Simply blend in warm water to control the thickness of finished product. You’ll be able to... | {
"last_modified_datetime": "2024-04-12T16:39:48.382656"
} |
MARCO_57_1523847243-1 | Lotion Base and Body Butter - Wholesale Supplies Plus Close Bath & Body Bases • Bases Unscented • Lotion Base and Body Butter - (You Are Here - C832) Lotion Base and Body Butter Crafter’s Choice Lotion Bases are used by soap makers to expand their product line. Th... | {
"last_modified_datetime": "2024-04-12T16:39:48.382656"
} |
MARCO_10_1112057649-12 | You can use any combination of essential oils that you prefer, but it’s a good idea to include oils that target the skin issues that you wish to treat. If you have dry or aging skin, geranium and rose essential oils are good options. For skin issues such as eczema or psoriasis, jasmine, rose, chamomile, lavender, and ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382657"
} |
MARCO_10_1112057649-6 | All rights reserved. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. This image is <b>not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. This image may not be used by other entities without ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382657"
} |
MARCO_21_822357894-6 | If you’re using the capsules, I would use a little bit less than the recipe calls for, since the oil from the capsules is thicker. You can also omit the Vitamin E if you don’t have any, and use extra fractionated coconut oil in it’s place. Essential oil Using essential oils in this all natural body lotion will give it... | {
"last_modified_datetime": "2024-04-12T16:39:48.382660"
} |
MARCO_42_845877443-3 | Summary Essential oils can be inhaled or diluted and applied to the skin. They may stimulate your sense of smell or have medicinal effects when absorbed. Popular types There are more than 90 types of essential oils, each with its own unique smell and potential health benefits. Here’s a list of 10 popular essential oi... | {
"last_modified_datetime": "2024-04-12T16:39:48.382660"
} |
MARCO_54_1782395814-4 | Below is a list of the skin types mentioned above and what carrier oils are best for each: Normal skin – jojoba, almond, macadamia nut oil – basically any carrier oil of choice but avoid heavy oils Dry skin – olive, avocado, wheat germ Oily skin – grapeseed, sunflower, apricot kernel Acne-prone skin – hemp, argan, sunf... | {
"last_modified_datetime": "2024-04-12T16:39:48.382661"
} |
MARCO_12_1183093643-3 | You can use this spray more liberally than traditional perfume, but overusing it is not recommended because the ingredients may lead to skin irritations, and the scent can be overwhelming to others. Applying Body Spray Apply the spray directly onto your skin after a shower or bath when the skin is warm and the pores ar... | {
"last_modified_datetime": "2024-04-12T16:39:48.382661"
} |
MARCO_23_1171291460-7 | Allow the oil mixture to cool for a few minutes before pouring it into your blender (if using a table-top blender). Let this mixture cool until it’s room temperature. It should look creamy, thick and opaque, but don’t let it get solid. Optional: You can place the blender in the fridge for about 35 minutes to speed up... | {
"last_modified_datetime": "2024-04-12T16:39:48.382662"
} |
MARCO_49_221159351-3 | Using natural shaving cream and aftershave is important too because when you shave, you are opening up the pores and allowing more toxins into the body. HOMEMADE LOTION RECIPE INGREDIENTS 3 tablespoons shea butter 2 tablespoons cocoa butter 1 tablespoon beeswax 1/2 cup fractionated coconut oil or any other carrier oil ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382663"
} |
MARCO_54_2015301119-3 | Oz Essential Oils Supplies: Immersion Blender Stainless Spoons Kitchen Scale Measuring Cup A Large Pot Jars, Tins, or Bottles (to store your lotion) Directions: Begin by washing everything up in hot soapy water. Make sure you wash your immersion blender, too! Combine coconut oil, almond oil, and shea butter in your po... | {
"last_modified_datetime": "2024-04-12T16:39:48.382663"
} |
KILT_42423740-1 | Open banking Open banking is a financial services term as part of financial technology that refers to: BULLET::::1. The use of open APIs that enable third-party developers to build applications and services around the financial institution. BULLET::::2. Greater financial transparency options for account holders r... | {
"last_modified_datetime": "2024-04-12T16:39:48.382664"
} |
MARCO_32_1186259104-2 | As users consent to share their personal financial data, banking institutions can distribute information via open application programming interfaces, or APIs for short, allowing third parties to leverage this data and create personalized services with a seamless user experience. For instance, users can integrate their ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382664"
} |
MARCO_44_737771076-2 | Understanding Open Banking Under open banking, banks allow access and control of customers personal and financial data to third-party service providers, which are typically tech startups and online financial service vendors. Customers are normally required to grant some kind of consent to let the bank allow such access... | {
"last_modified_datetime": "2024-04-12T16:39:48.382665"
} |
MARCO_56_1468600279-7 | Banking as a Platform The Banking as a Platform paradigm allows for using bank’s existing core banking systems as a base or platform upon which new and innovative banking products or services are built. The best and most practical example of BaaP is perhaps the Open Banking Project. It allows for third party developer... | {
"last_modified_datetime": "2024-04-12T16:39:48.382665"
} |
MARCO_59_690617273-7 | Practitioners around the globe frequently use ”open banking” as an umbrella term that encompasses both open banking and platform banking. But we believe there are important differences. Open banking is when a bank, upon a customer’s request, shares customer data with third parties via APIs. 6 Open banking does not us... | {
"last_modified_datetime": "2024-04-12T16:39:48.382666"
} |
MARCO_00_554022123-7 | Adopting APIs does require a leap of faith in the traditional marketing doctrine — indeed, rather than trying to “capture” customers into a bespoke system, the API actually fosters opening the systems to be freely assembled by the consumers in the way they desire. As such, making the move to business APIs is a tricky d... | {
"last_modified_datetime": "2024-04-12T16:39:48.382667"
} |
MARCO_29_1537153371-4 | With the vast majority of consumers having banking relationships spanning a decade or longer, the integration of voice, long-term transactional analysis, geolocation, and current contextual learnings combined with preferences and behaviors outside of banking over time, is where the power of AI and voice commerce become... | {
"last_modified_datetime": "2024-04-12T16:39:48.382667"
} |
MARCO_59_689058722-2 | And opening up customer transaction data to third parties is likely to have profound effects on traditional retail banking, requiring organizations to make strategic choices around business-model impacts and customer retention. Related insights: 2019 Banking Industry Outlook Open banking Learn more Close Digital and em... | {
"last_modified_datetime": "2024-04-12T16:39:48.382668"
} |
MARCO_22_1797178347-8 | curve.app Loot – a combo of a digital current account and a card with a set of features to set financial goals, plan budgets, carry out financial transactions abroad, make money transactions; Revolut – a personalised bank account with embedded tools used for budgeting, monitoring savings, and control spendings. revolut... | {
"last_modified_datetime": "2024-04-12T16:39:48.382668"
} |
MARCO_30_126772566-3 | And fintechs will need those dollars—they tend to burn about two to three times as much cash compared with other startups, according to an analysis by Brex, likely due to factors like regulatory hurdles. Here are the 10 most valuable private, venture-backed fintechs in the U.S.: 1. Stripe, $22.5 billion Originally a s... | {
"last_modified_datetime": "2024-04-12T16:39:48.382669"
} |
MARCO_35_360867588-4 | Salaries for financial managers break down according to these industries: Professional, scientific and technical services: $147,000 Management of companies and enterprises: $141,800 Manufacturing: $124,000 Government: $110,000 Professionals in Fintech who want to enjoy the highest salaries may want to check out these c... | {
"last_modified_datetime": "2024-04-12T16:39:48.382669"
} |
MARCO_36_722824466-14 | On the NuovoPay dashboard, the leasing companies can keep a record of their leased devices, automate payment reminders or schedule them, and block or unblock device access with a click. Radpay Industry: FinTech Funding: $78.8M Investors: Stripes Radpay is an online payment solution that helps customers pay faster for t... | {
"last_modified_datetime": "2024-04-12T16:39:48.382670"
} |
WAPO_2321616de259a1e47e1720d1c17dd219-1 | Nearly 20 years ago, the launch of online payments giant PayPal shook the financial services industry. Now, a new generation of financial technology or “fintech” companies is once again breaking down the oversized doors of the conservative banking business. From facilitating loans to wealth management to mobile payme... | {
"last_modified_datetime": "2024-04-12T16:39:48.382671"
} |
MARCO_13_1445428180-7 | Trust and reputation Coinbase enjoys an excellent reputation and trust as a registered and regulated company with well-known VCs as investors, transparent team and immaculate track record (with minor, anecdotal complaints from individual customers). Coinbase is a Bitcoin company based in San Francisco, which means that... | {
"last_modified_datetime": "2024-04-12T16:39:48.382671"
} |
MARCO_14_928152695-2 | Meanwhile, the US Securities and Exchange Commission (SEC) has indicated that it considers cryptocurrencies to be securities, and applies securities laws to digital wallets comprehensively in an approach that will affect both exchanges and investors alike. By contrast, The Commodities Futures Trading Commission (CFTC) ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382672"
} |
MARCO_36_1088653421-1 | FAQ - Coinbase Legal Is Coinbase regulated? Yes. Coinbase complies with all applicable laws and regulations in each jurisdiction in which it operates. United States Coinbase, Inc., the company which operates Coinbase and GDAX in the U.S., is licensed to engage in money transmission in most U.S. jurisdictions. Most ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382672"
} |
MARCO_37_419653283-1 | How is cryptocurrency regulated in different countries How is cryptocurrency regulated in different countries February 15, 2018 By Vitali Maldashou Amid increased bitcoin volatility and companies charging against virtual currency we look at crypto regulation in different countries. While some introduce heavy regulator... | {
"last_modified_datetime": "2024-04-12T16:39:48.382673"
} |
MARCO_40_588009354-24 | Bitcoin and other digital currencies are such a new phenomenon that regulatory frameworks are still being developed and fine-tuned. The state of cryptocurrency is constantly shifting in countries all over the world, and each new government announcement about crypto regulation can potentially drive price movements acros... | {
"last_modified_datetime": "2024-04-12T16:39:48.382674"
} |
MARCO_12_2010057403-6 | The Bitcoin Foundation has stated its opinion that the US government is increasing federal and state regulation of Bitcoin in the US with a view to “control and stifle the adoption and use of so-called ‘virtual currencies’ such as Bitcoin.” European Union The EU has taken a more open approach to Bitcoin than the US, as... | {
"last_modified_datetime": "2024-04-12T16:39:48.382674"
} |
MARCO_35_434340657-2 | Best for Buying If your only goal is to buy Bitcoin, Ethereum or another coin, the following exchanges have smooth and easy buying processes: eToro Coinbase Best for Trading If you plan on trading in and out of different coins, the following exchanges support many cryptocurrencies: eToro Coinbase Pro Best for 401K or R... | {
"last_modified_datetime": "2024-04-12T16:39:48.382675"
} |
MARCO_40_588009354-26 | The regulatory environment also varies from one country to the next, with some nations delegating all crypto regulation to the EU and others taking a more hands-on approach. In April 2018, the EU Parliament voted to introduce tighter regulations for cryptocurrencies. In an effort to prevent the use of cryptocurrencies... | {
"last_modified_datetime": "2024-04-12T16:39:48.382675"
} |
MARCO_44_710394583-3 | Blockchain Sandboxes Regulatory sandboxes have also been used to test blockchain technology and how to effectively introduce and implement cryptocurrencies within a financial system. Blockchain is a distributed-ledger system similar to a shared database in which financial transactions are verified before being added to... | {
"last_modified_datetime": "2024-04-12T16:39:48.382676"
} |
MARCO_53_898399368-17 | The UK’s AMLD5 crypto response (Q1 2020) In the UK, which has since left the EU with Brexit at the end of January, the Financial Conduct Authority (FCA) took over on 10 January 2020 as the UK’s main AML/CFT supervisor of crypto assets and related businesses and activities. They are now responsible for regulating crypt... | {
"last_modified_datetime": "2024-04-12T16:39:48.382676"
} |
MARCO_16_4042721836-22 | DEA agent Carl Mark Force IV, who attempted to extort Silk Road founder Ross Ulbricht ('Dread Pirate Roberts'), pleaded guilty to money laundering, obstruction of justice, and extortion under color of official right, and was sentenced to 6.5 years in federal prison. U.S. Secret Service agent Shaun Bridges pleaded guilt... | {
"last_modified_datetime": "2024-04-12T16:39:48.382677"
} |
MARCO_16_4043089295-2 | Exchanges Notable cryptrocurrency exchange hacks, resulting in the theft of cryptocurrencies include: Bitstamp In 2015 cryptocurrencies worth $5 million were stolen Mt. Gox Between 2011 and 2014, $350 million worth of bitcoin were stolen Bitfinex In 2016, $72 million were stolen through exploiting the exchange wallet, ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382678"
} |
MARCO_20_1717425204-3 | Drunk Elephant Umbra Sheer Daily Defense SPF 30 $ $ BUY NOW CeraVe Vitamin C Serum with Hyaluronic Acid $ $ BUY NOW Eau Thermale Avene Thermal Spring Water $ $ BUY NOW CeraVe Hyaluronic Acid Face Serum $ $ BUY NOW Native Deodorant $ $ BUY NOW BAGGU Standard Reusable Shopping Bag $ $ BUY NOW The filmmakers place a heavy... | {
"last_modified_datetime": "2024-04-12T16:39:48.382678"
} |
MARCO_47_921598546-9 | Microsoft may earn an Affiliate Commission if you purchase something through recommended links in this article 18/31 SLIDES © Showbizz Daily Crypto scams and scandals Bitcoin never reached the peak of $20,000 again because there have been many scandals surrounding cryptocurrencies since 2017. Hackers and scammers stole... | {
"last_modified_datetime": "2024-04-12T16:39:48.382679"
} |
WAPO_885878b53de0bdcca651e1265fadfaba-1 | Bitcoin burst into mainstream attention after Gawker wrote about the online drug marketplace Silk Road in 2011. Silk Road uses Bitcoin, with its decentralized, anonymity-friendly architecture, to shield its users and operators from law enforcement scrutiny. That's important because Silk Road sellers sell all manner o... | {
"last_modified_datetime": "2024-04-12T16:39:48.382679"
} |
MARCO_30_938880876-2 | For consumers who hold more than one bank account, the changes would also allow businesses, known in the legislation as Account Information Service Providers, to display all their account information in one place for them - similar to the service offered by Mint, in the US. PSD2 will also require stronger identity chec... | {
"last_modified_datetime": "2024-04-12T16:39:48.382680"
} |
MARCO_32_1186259104-3 | These aggregators combined information from several user’ accounts to store all information in one place. Unsurprisingly, customers had to share usernames and passwords for each account with these aggregators making the whole system vulnerable to privacy risks. Early “open banking” projects were scraping data from sha... | {
"last_modified_datetime": "2024-04-12T16:39:48.382680"
} |
MARCO_44_1517586522-16 | Online payment security regulations EU PSD2 regulation A leading security regulation in the payments space is the EU’s second payment services directive (PSD2). Effective September 2019, the point of the directive is to improve the EU’s previously established rules for electronic payments and make the international pay... | {
"last_modified_datetime": "2024-04-12T16:39:48.382681"
} |
MARCO_46_393414303-17 | · The introduction and implementation of both Payments Service Directive 2 (PSD2) and the Open API standards and data sharing remedy from the UK Competition and Markets Authority following its Retail Banking Market Investigation Order (together 'Open Banking') from January 2018 with delivery across 2019 provides third ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382682"
} |
MARCO_59_690617273-16 | Banks may want to choose partner institutions that have already engendered a lot of customer trust, including other banks. Banks should also work with regulators to foster common industry standards for APIs. They should ensure that other regulations related to data security or customer privacy do not inhibit the devel... | {
"last_modified_datetime": "2024-04-12T16:39:48.382682"
} |
MARCO_59_690617273-17 | US banks can use open banking to recalibrate customer relationships by giving customers control of their data and helping them more easily and confidently engage with third parties for a variety of services. Shifting to open banking may require banks to partner with a broader ecosystem of providers, but banks can still... | {
"last_modified_datetime": "2024-04-12T16:39:48.382683"
} |
MARCO_59_690617273-3 | Here are some key factors US bank leaders can consider when developing their open banking approaches. Key messages In the United States, open banking is expected to evolve as an industry-driven initiative, unlike other countries, where regulatory mandates are forcing many banks to adopt open banking. However, US banks... | {
"last_modified_datetime": "2024-04-12T16:39:48.382683"
} |
MARCO_59_690617273-9 | We do not know yet whether this will be a model for other countries, 11 although in the United Kingdom, similar efforts are underway (UK ODI Review). While the open banking model in the United States may take a different path, US banks can learn valuable lessons by looking at how it has been implemented in more regulat... | {
"last_modified_datetime": "2024-04-12T16:39:48.382684"
} |
MARCO_29_1537139190-1 | Five Innovation Trends That Will Define Banking in 2019 Five Innovation Trends That Will Define Banking in 2019 Subscribe Now Get The Financial Brand Newsletter for FREE - Sign Up Now The banking industry is beginning to incorporate the traits and practices that were once the domain of fintech startups. Banks and cred... | {
"last_modified_datetime": "2024-04-12T16:39:48.382684"
} |
MARCO_29_1537139190-5 | The understanding and leveraging of the innovation potential of open banking will allow legacy financial services organizations to build on their existing customer relationships. By giving customers choice and control of their own data, first-mover banks and credit unions can become leaders in an era of increasingly pe... | {
"last_modified_datetime": "2024-04-12T16:39:48.382685"
} |
MARCO_29_1537139190-7 | For the first time time, the banking industry can consolidate all internal and external data, building predictive profiles of customers and members in real time. With consumer data that is rich, accessible and financially viable to deploy, financial institutions of all sizes can not only know their customers, but also ... | {
"last_modified_datetime": "2024-04-12T16:39:48.382686"
} |
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