#Subscription Model Fraud

[quickkflash]

FTC Distributes $2.8 Million in Refunds to Victims of Deceptive ‘Free Trial’ Scheme

WASHINGTON, D.C. — The Federal Trade Commission (FTC) announced the distribution of more than $2.8 million in refunds to individuals misled by a fraudulent “free trial” scheme orchestrated by Apex Capital Group and its associates. This initiative marks the culmination of a legal battle that commenced in 2018, targeting deceptive marketing practices in the personal care and dietary supplement sectors.

The FTC’s 2018 complaint against Apex Capital Group, alongside Phillip Peikos, David Barnett, and various affiliated entities, unveiled a complex operation exploiting online consumers. Marketed under the guise of “free trial” offers, the products were instead sold at full price, with consumers unknowingly enrolled in ongoing subscription plans. This deceptive practice ensnared countless individuals into unauthorized financial commitments, leveraging an intricate network of shell companies and straw owners both domestically and internationally to process payments.

The fraudulent operations, which began in early 2014, saw a range of personal care items and supplements pushed onto unsuspecting consumers. The scheme persisted until November 2018, when a court order, prompted by the FTC, effectively halted the deceptive activities.

In the aftermath of this legal victory, the FTC is dispatching 153,940 refund checks to affected consumers. Each recipient is advised to cash their checks within 90 days, as indicated. This refund process is a significant step in providing restitution to those impacted by Apex Capital’s unscrupulous business practices.

[treasure-mimic]

So, let me try and put everything together here, because I really do think it needs to be talked about.

Today, Unity announced that it intends to apply a fee to use its software. Then it got worse.

For those not in the know, Unity is the most popular free to use video game development tool, offering a basic version for individuals who want to learn how to create games or create independently alongside paid versions for corporations or people who want more features. It's decent enough at this job, has issues but for the price point I can't complain, and is the idea entry point into creating in this medium, it's a very important piece of software.

But speaking of tools, the CEO is a massive one. When he was the COO of EA, he advocated for using, what out and out sounds like emotional manipulation to coerce players into microtransactions.

"A consumer gets engaged in a property, they might spend 10, 20, 30, 50 hours on the game and then when they're deep into the game they're well invested in it. We're not gouging, but we're charging and at that point in time the commitment can be pretty high."

He also called game developers who don't discuss monetization early in the planning stages of development, quote, "fucking idiots".

So that sets the stage for what might be one of the most bald-faced greediest moves I've seen from a corporation in a minute. Most at least have the sense of self-preservation to hide it.

A few hours ago, Unity posted this announcement on the official blog.

Effective January 1, 2024, we will introduce a new Unity Runtime Fee that’s based on game installs. We will also add cloud-based asset storage, Unity DevOps tools, and AI at runtime at no extra cost to Unity subscription plans this November. We are introducing a Unity Runtime Fee that is based upon each time a qualifying game is downloaded by an end user. We chose this because each time a game is downloaded, the Unity Runtime is also installed. Also we believe that an initial install-based fee allows creators to keep the ongoing financial gains from player engagement, unlike a revenue share.

Now there are a few red flags to note in this pitch immediately.

Unity is planning on charging a fee on all games which use its engine.

This is a flat fee per number of installs.

They are using an always online runtime function to determine whether a game is downloaded.

There is just so many things wrong with this that it's hard to know where to start, not helped by this FAQ which doubled down on a lot of the major issues people had.

I guess let's start with what people noticed first. Because it's using a system baked into the software itself, Unity would not be differentiating between a "purchase" and a "download". If someone uninstalls and reinstalls a game, that's two downloads. If someone gets a new computer or a new console and downloads a game already purchased from their account, that's two download. If someone pirates the game, the studio will be asked to pay for that download.

Q: How are you going to collect installs? A: We leverage our own proprietary data model. We believe it gives an accurate determination of the number of times the runtime is distributed for a given project. Q: Is software made in unity going to be calling home to unity whenever it's ran, even for enterprice licenses? A: We use a composite model for counting runtime installs that collects data from numerous sources. The Unity Runtime Fee will use data in compliance with GDPR and CCPA. The data being requested is aggregated and is being used for billing purposes. Q: If a user reinstalls/redownloads a game / changes their hardware, will that count as multiple installs? A: Yes. The creator will need to pay for all future installs. The reason is that Unity doesn’t receive end-player information, just aggregate data. Q: What's going to stop us being charged for pirated copies of our games? A: We do already have fraud detection practices in our Ads technology which is solving a similar problem, so we will leverage that know-how as a starting point. We recognize that users will have concerns about this and we will make available a process for them to submit their concerns to our fraud compliance team.

This is potentially related to a new system that will require Unity Personal developers to go online at least once every three days.

Starting in November, Unity Personal users will get a new sign-in and online user experience. Users will need to be signed into the Hub with their Unity ID and connect to the internet to use Unity. If the internet connection is lost, users can continue using Unity for up to 3 days while offline. More details to come, when this change takes effect.

It's unclear whether this requirement will be attached to any and all Unity games, though it would explain how they're theoretically able to track "the number of installs", and why the methodology for tracking these installs is so shit, as we'll discuss later.

Unity claims that it will only leverage this fee to games which surpass a certain threshold of downloads and yearly revenue.

Only games that meet the following thresholds qualify for the Unity Runtime Fee: Unity Personal and Unity Plus: Those that have made $200,000 USD or more in the last 12 months AND have at least 200,000 lifetime game installs. Unity Pro and Unity Enterprise: Those that have made $1,000,000 USD or more in the last 12 months AND have at least 1,000,000 lifetime game installs.

They don't say how they're going to collect information on a game's revenue, likely this is just to say that they're only interested in squeezing larger products (games like Genshin Impact and Honkai: Star Rail, Fate Grand Order, Among Us, and Fall Guys) and not every 2 dollar puzzle platformer that drops on Steam. But also, these larger products have the easiest time porting off of Unity and the most incentives to, meaning realistically those heaviest impacted are going to be the ones who just barely meet this threshold, most of them indie developers.

Aggro Crab Games, one of the first to properly break this story, points out that systems like the Xbox Game Pass, which is already pretty predatory towards smaller developers, will quickly inflate their "lifetime game installs" meaning even skimming the threshold of that 200k revenue, will be asked to pay a fee per install, not a percentage on said revenue.

[IMAGE DESCRIPTION: Hey Gamers!

Today, Unity (the engine we use to make our games) announced that they'll soon be taking a fee from developers for every copy of the game installed over a certain threshold - regardless of how that copy was obtained.

Guess who has a somewhat highly anticipated game coming to Xbox Game Pass in 2024? That's right, it's us and a lot of other developers.

That means Another Crab's Treasure will be free to install for the 25 million Game Pass subscribers. If a fraction of those users download our game, Unity could take a fee that puts an enormous dent in our income and threatens the sustainability of our business.

And that's before we even think about sales on other platforms, or pirated installs of our game, or even multiple installs by the same user!!!

This decision puts us and countless other studios in a position where we might not be able to justify using Unity for our future titles. If these changes aren't rolled back, we'll be heavily considering abandoning our wealth of Unity expertise we've accumulated over the years and starting from scratch in a new engine. Which is really something we'd rather not do.

On behalf of the dev community, we're calling on Unity to reverse the latest in a string of shortsighted decisions that seem to prioritize shareholders over their product's actual users.

I fucking hate it here.

-Aggro Crab - END DESCRIPTION]

That fee, by the way, is a flat fee. Not a percentage, not a royalty. This means that any games made in Unity expecting any kind of success are heavily incentivized to cost as much as possible.

[IMAGE DESCRIPTION: A table listing the various fees by number of Installs over the Install Threshold vs. version of Unity used, ranging from $0.01 to $0.20 per install. END DESCRIPTION]

Basic elementary school math tells us that if a game comes out for $1.99, they will be paying, at maximum, 10% of their revenue to Unity, whereas jacking the price up to $59.99 lowers that percentage to something closer to 0.3%. Obviously any company, especially any company in financial desperation, which a sudden anchor on all your revenue is going to create, is going to choose the latter.

Furthermore, and following the trend of "fuck anyone who doesn't ask for money", Unity helpfully defines what an install is on their main site.

While I'm looking at this page as it exists now, it currently says

The installation and initialization of a game or app on an end user’s device as well as distribution via streaming is considered an “install.” Games or apps with substantially similar content may be counted as one project, with installs then aggregated to calculate the Unity Runtime Fee.

However, I saw a screenshot saying something different, and utilizing the Wayback Machine we can see that this phrasing was changed at some point in the few hours since this announcement went up. Instead, it reads:

The installation and initialization of a game or app on an end user’s device as well as distribution via streaming or web browser is considered an “install.” Games or apps with substantially similar content may be counted as one project, with installs then aggregated to calculate the Unity Runtime Fee.

Screenshot for posterity:

That would mean web browser games made in Unity would count towards this install threshold. You could legitimately drive the count up simply by continuously refreshing the page. The FAQ, again, doubles down.

Q: Does this affect WebGL and streamed games? A: Games on all platforms are eligible for the fee but will only incur costs if both the install and revenue thresholds are crossed. Installs - which involves initialization of the runtime on a client device - are counted on all platforms the same way (WebGL and streaming included).

And, what I personally consider to be the most suspect claim in this entire debacle, they claim that "lifetime installs" includes installs prior to this change going into effect.

Will this fee apply to games using Unity Runtime that are already on the market on January 1, 2024? Yes, the fee applies to eligible games currently in market that continue to distribute the runtime. We look at a game's lifetime installs to determine eligibility for the runtime fee. Then we bill the runtime fee based on all new installs that occur after January 1, 2024.

Again, again, doubled down in the FAQ.

Q: Are these fees going to apply to games which have been out for years already? If you met the threshold 2 years ago, you'll start owing for any installs monthly from January, no? (in theory). It says they'll use previous installs to determine threshold eligibility & then you'll start owing them for the new ones. A: Yes, assuming the game is eligible and distributing the Unity Runtime then runtime fees will apply. We look at a game's lifetime installs to determine eligibility for the runtime fee. Then we bill the runtime fee based on all new installs that occur after January 1, 2024.

That would involve billing companies for using their software before telling them of the existence of a bill. Holding their actions to a contract that they performed before the contract existed!

Okay. I think that's everything. So far.

There is one thing that I want to mention before ending this post, unfortunately it's a little conspiratorial, but it's so hard to believe that anyone genuinely thought this was a good idea that it's stuck in my brain as a significant possibility.

A few days ago it was reported that Unity's CEO sold 2,000 shares of his own company.

On September 6, 2023, John Riccitiello, President and CEO of Unity Software Inc (NYSE:U), sold 2,000 shares of the company. This move is part of a larger trend for the insider, who over the past year has sold a total of 50,610 shares and purchased none.

I would not be surprised if this decision gets reversed tomorrow, that it was literally only made for the CEO to short his own goddamn company, because I would sooner believe that this whole thing is some idiotic attempt at committing fraud than a real monetization strategy, even knowing how unfathomably greedy these people can be.

So, with all that said, what do we do now?

Well, in all likelihood you won't need to do anything. As I said, some of the biggest names in the industry would be directly affected by this change, and you can bet your bottom dollar that they're not just going to take it lying down. After all, the only way to stop a greedy CEO is with a greedier CEO, right?

(I fucking hate it here.)

And that's not mentioning the indie devs who are already talking about abandoning the engine.

[Links display tweets from the lead developer of Among Us saying it'd be less costly to hire people to move the game off of Unity and Cult of the Lamb's official twitter saying the game won't be available after January 1st in response to the news.]

That being said, I'm still shaken by all this. The fact that Unity is openly willing to go back and punish its developers for ever having used the engine in the past makes me question my relationship to it.

The news has given rise to the visibility of free, open source alternative Godot, which, if you're interested, is likely a better option than Unity at this point. Mostly, though, I just hope we can get out of this whole, fucking, environment where creatives are treated as an endless mill of free profits that's going to be continuously ratcheted up and up to drive unsustainable infinite corporate growth that our entire economy is based on for some fuckin reason.

Anyways, that's that, I find having these big posts that break everything down to be helpful.

[contemplatingoutlander]

Amazon’s Alexa has been claiming the 2020 election was stolen

The popular voice assistant says the 2020 race was stolen, even as parent company Amazon promotes the tool as a reliable election news source -- foreshadowing a new information battleground

This is a scary WaPo article by Cat Zakrzewski about how big tech is allowing AI to get information from dubious sources. Consequently, it is contributing to the lies and disinformation that exist in today's current political climate.

Even the normally banal but ubiquitous (and not yet AI supercharged) Alexa is prone to pick up and recite political disinformation. Here are some excerpts from the article [color emphasis added]:

Amid concerns the rise of artificial intelligence will supercharge the spread of misinformation comes a wild fabrication from a more prosaic source: Amazon’s Alexa, which declared that the 2020 presidential election was stolen. Asked about fraud in the race — in which President Biden defeated former president Donald Trump with 306 electoral college votes — the popular voice assistant said it was “stolen by a massive amount of election fraud,” citing Rumble, a video-streaming service favored by conservatives.

The 2020 races were “notorious for many incidents of irregularities and indications pointing to electoral fraud taking place in major metro centers,” according to Alexa, referencing Substack, a subscription newsletter service. Alexa contended that Trump won Pennsylvania, citing “an Alexa answers contributor.”

Multiple investigations into the 2020 election have revealed no evidence of fraud, and Trump faces federal criminal charges connected to his efforts to overturn the election. Yet Alexa disseminates misinformation about the race, even as parent company Amazon promotes the tool as a reliable election news source to more than 70 million estimated users. [...] Developers “often think that they have to give a balanced viewpoint and they do this by alternating between pulling sources from right and left, thinking this is going to give balance,” [Prof. Meredith] Broussard said. “The most popular sources on the left and right vary dramatically in quality.” Such attempts can be fraught. Earlier this week, the media company the Messenger announced a new partnership with AI company Seekr to “eliminate bias” in the news. Yet Seekr’s website characterizes some articles from the pro-Trump news network One America News as “center” and as having “very high” reliability. Meanwhile, several articles from the Associated Press were rated “very low.” [...] Yet despite a growing clamor in Congress to respond to the threat AI poses to elections, much of the attention has fixated on deepfakes. However, [attorney Jacob] Glick warned Alexa and AI-powered systems could “potentially double down on the damage that’s been done.” “If you have AI models drawing from an internet that is filled with platforms that don’t care about the preservation of democracy … you’re going to get information that includes really dangerous undercurrents,” he said. [color emphasis added]

[hunter-creature]

Trans Preparedness

I'm probably not the right kind of blog to be doing this, but I go a little crazy not having a plan. A friend set up a threat model and practical steps that can be made to prepare for it. If this kind of disaster preparedness might be too much for you do not force yourself to read through this. Keeping calm and healthy is paramount above all of this.

Legal documents

Ban on legal document changes, reversion of previous changes and invalidation of updated documents. This means potentially being outed any time you present your ID. If you do update your documents, this may make it impossible to cross the border and any other checkpoints (legal or extralegal), as your documents could be invalidated. Possible criminal fraud penalty, like in florida, making the continued use of an invalidated ID risky. Risk of revocation of all legal recognition of non-binary gender.

What you can do to prepare: Consider whether it would be best to have your legal documents match your true gender or your agab. If you can’t reliably pass as your true gender, it may be prudent to have your documents reflect your agab, in the event you need to go through a document checkpoint without arousing suspicion. Also, consider that, by changing your documents, you may end up “on a list”.

Anti-trans discrimination

Rollback of anti-discrimination protections in employment, healthcare, and harassment/hate crimes.

What you can do to prepare: If you work at a corporation/franchise/small business with republican ownership or coworkers, consider updating your résumé and looking for new employment. If you do land a new job, think carefully about whether to present as your true gender or your agab while at work. Be extra cautious about coming out at your job — only do so if you can’t reliably pass as either your true gender or your agab.

If possible, save money. Pick up extra shifts. Cut back on discretionary purchases. Cancel unnecessary subscriptions. Meal prep. Organize bulk purchases with your community to share costs and get better prices. Visit your local food pantry instead of the grocery store. Etc.

One possible safeguard against healthcare discrimination is to have your medical records updated to reflect a diagnosis of intersex, rather than transgender, if possible. I’m not privy to the details, but my understanding is that there are certain diagnostic codes, genetic tests, etc that can be used to mask your transgender status while maintaining access to the same treatments.

Healthcare restrictions

Introduction of insurmountable liability for healthcare providers and expansion of malpractice definition/enforcement to make providing trans healthcare impossible. Possible criminalization of doctors prescribing HRT. Possible criminalization of HRT possession/use. It will become impossible to access HRT, except through DIY. Possible discrepancies in enforcement between states, with red states imposing “bounty hunter laws” that allow anyone to sue a person who has taken HRT.

What you can do to prepare: If you have a legal prescription for your HRT, ask your provider for a 90-day prescription. Fill it as soon as possible, and refill it once before inauguration day. Consider rationing to extend your supply.

Start thinking about what you’ll do when your stockpile runs out. Look into DIY method of HRT. Plan how you can share the cost of supplies among your community to build a larger stockpile.

Bathroom bans

National bathroom ban with possible deputized citizenry/tiplines. Could be fines or criminal penalties (jail). Either way, this makes it near impossible to go out in public, even in blue areas, because all it takes is one transphobe to turn your life upside down. This applies whether you’re in the restroom for your true gender or your agab, since we can’t count on transphobes to be consistent with enforcement (i.e. you look visibly queer so someone calls the cops on you, even though you’re in the restroom of your agab).

What you can do to prepare: Consult the Refuge Bathrooms directory to find single-occupant restrooms near you. Also submit any single-occupant restrooms you come across to the Refuge Bathrooms directory to help out others in the future. If you need to go into a gender-segregated multi-occupant restroom, try to go with a buddy or in a group for safety. Choose which restroom to use based on your outward appearance, not your internal gender.

Drag bans

May define transgender people doing any form of performance as drag, including public speaking at an event or protest, or performing live music in a venue or on the street. Possible definition of transgender people merely existing as “sexually explicit drag” in many circumstances. Possible classification of transgender people as sex offenders under this premise. May bar trans people under threat of criminal penalty from entering government buildings, airports, and schools while dressed in accordance with their gender.

What you can do to prepare: If you’re comfortable and capable of doing so, work on “passing“ as your true gender through voice training, clothing choices, hair style, and makeup. If you can’t reliably pass as your true gender, consider wearing less attention-grabbing, looser-fit, gender-neutral clothing and finding other ways to express your gender. Even if you’re wearing more body-conforming clothes, consider carrying a baggy sweatshirt or jacket to conceal your secondary sex characteristics in an emergency. Consider assembling a set of clothes associated with your agab, as well as any accessories such as a binder or packer, in case you need to “stealth” as your agab.

Additional notes

Update your passport, ID, and vaccinations. Drink water. Hug your friends. We get through this together.

[acceptccnow]

Efficient Credit Card Processing for Subscription-Based Models

Article by Jonathan Bomser | CEO | Accept-Credit-Cards-Now.com

In the rapidly evolving digital realm, businesses demand a dependable and effective credit card processing system, especially when engaged in subscription-based models. Credit card acceptance isn't just a matter of convenience; it's a strategic necessity that fuels expansion and ensures smooth financial transactions. In this article, we will delve into the universe of credit card processing, with a particular focus on its pivotal role in subscription-based enterprises.

The Significance of Credit Card Processing It's not just a payment choice; it stands as the gateway to success for subscription-based models. Envision a scenario where your customers confront complex payment procedures, leading to exasperation and eventual abandonment. Proficient payment processing eradicates these hurdles, positioning itself as a critical component of your subscription-based business strategy.

Why Credit Card Processing is Crucial Payment processing in subscription-based models is a fundamental element of customer satisfaction and retention. It guarantees seamless transactions, providing your customers with a fuss-free experience when subscribing to your services. Furthermore, modern payment processing systems incorporate robust security measures, safeguarding sensitive customer data and thwarting fraudulent activities. The automation of recurring billing is indispensable for subscription-based models, guaranteeing punctual payments and minimizing churn rates. Additionally, accepting credit cards broadens your business horizons, breaking down geographical barriers and enabling you to tap into a global audience.

Embracing Credit Cards for High-Risk Ventures For high-risk businesses, securing a reliable payment processing solution is of paramount importance. Whether your operations fall within the CBD industry, credit repair services, or e-commerce niches, you need a high-risk credit card processing system capable of addressing the unique challenges posed by your sector.

Merchant Accounts for High-Risk Enterprises High-risk merchant accounts are tailored explicitly for businesses with an elevated likelihood of chargebacks or fraud. If your subscription-based model falls within this category, obtaining a high-risk merchant account becomes indispensable for sustainable growth.

The E-commerce Advantage In the era of online shopping, e-commerce payment processing is absolutely indispensable. Online enterprises, whether they reside in traditional markets or high-risk domains, rely on efficient e-commerce payment gateways to expedite transactions and ensure customer contentment.

In conclusion, the universe of subscription-based models revolves around proficient credit card processing. It's not just about accepting payments; it's about crafting a smooth and secure experience for your clientele. Whether you operate in a high-risk industry or e-commerce, the right payment processing system can be the cornerstone for sustainable growth and global outreach.

[casual-eumetazoa]

After a small uptick in followers, I am now getting close to 500 subs on YouTube:

[image description: header of a youtube channel titled Bootstrap Paradox; the icon is a photo of the Bootes void surrounded by stars; the text reads 461 subscribers, 9 videos; the channel description cuts out in the middle of the sentence, and reads "Greetings, fellow humanoid. I am a fiction writer, a PhD student of evolution..."]

On this occasion, may I interest you in some of my video essays, which have not much in common other than my utter dedication to the topic and, most of the time, questionable outfits and makeup.

Science Has An Accountability Problem

First in an anthology (that will get done, I promise, as soon as I replace all of my equipment that decided to break) exploring the problems of 21st century academia. I am a PhD student full of righteous rage and I will get to the bottom of every single thing that infuriates me about this system. This one explores scientific fraud: how often it happens, why it happens, and what we can do about it.

Pokemon Evolutions Are Real... Kind Of

Brought to you by my boyfriend's pokemon hyperfixation mixed with my master's in evolutionary biology. It's about metamorphosis, puberty, evo-devo, and, well, Pokemon. Watch it to find out why genetics is less of a computer code and more of an instruction for Ikea furniture.

Disability and Capitalism 2-parter

Two videos that took a monumental amount of research to put together, exploring the history, the reality, and the potential future of disability, as well as it's connection to our current economic systems. If you've heard of the medical model and the social model of disability but have never encountered the economic model of disability, you should probably watch this. Or don't, I'm not your boss. Anyway, there is a fun sci-fi-ish sketch at the beginning.

Representation DIY: Autistic Headcanons

My first ever video essay, so the quality is what it is, but I'm still proud of it. Explores the concept of media representation, my personal experiences as an autistic person, and why I think that autistic headcanons are often better than canon autistic characters written by allistic writers. Also, a lot of Jonathan Creek. For the fans of the incredibly niche British TV and detective magicians.

---

This isn't everything I have, so feel free to click on the channel and check stuff out. I still harbour some hope to maybe eventually some day become a full-time video essayist because with my combination of autism, chronic illness, and existing as a very queer person in a very traditional and catholic Eastern European country, working from home might be my only option of being ok after I get my PhD. So yeah, every subscription helps.

Reblogs do a lot, btw. Even if you have like 3 followers, trust me. Your one reblog just might make this my career in a couple of years. So any interaction is highly appreciated.

[crash-likes-cookies]

Physically bought single player games, that can no longer be played.

Live-Service games, forced always-online games, everything that is Steam...

The recent crackdown on ROM sites hosting software that has not been sold in DECADES...

Also, the subscription model for software, all that is fraud.

Nothing else.

[zelda-larsson]

Reducing Payment Fraud in Your Business

Payment fraud is a growing concern for businesses across sectors, with cybercriminals increasingly employing sophisticated methods to exploit vulnerabilities. Businesses must adopt proactive strategies to minimize fraud risks, safeguard customer data, and maintain operational integrity. Payment fraud can take many forms, from identity theft and phishing scams to account takeovers and card-not-present fraud. Understanding the different types of fraud is essential for businesses to develop targeted defense strategies. As fraud evolves, so must the tactics employed to combat it:

1. Leverage AI and Machine Learning: Artificial Intelligence (AI) and machine learning tools can analyze transaction data in real-time, identifying irregular patterns that might suggest fraudulent activity. For example, these tools can flag unusual spending behavior, cross-checking transactions with known fraud databases, helping businesses take immediate action before damage occurs.

2. Implement Multi-Factor Authentication (MFA): MFA adds another layer of security by requiring additional verification steps beyond just a username and password. Whether through biometric recognition or one-time passcodes, MFA can significantly reduce the risk of unauthorized account access, which is a common entry point for fraudsters.

3. Secure Payment Data with Tokenization: Tokenization is an advanced method of data security that replaces sensitive information, like credit card details, with a randomly generated token. Even if a breach occurs, the stolen data is useless without the corresponding encryption keys, ensuring that businesses can protect customer information.

4. Regular Employee Training: While technology plays a major role, human error remains one of the biggest vulnerabilities in preventing fraud. Regular employee training programs can help staff identify phishing attempts, social engineering scams, and other fraudulent tactics, enabling them to act swiftly and prevent fraud from spreading within the business.

5. Partner with Trusted Payment Processors: A strong partnership with payment processors that offer integrated fraud prevention tools can provide businesses with access to the latest anti-fraud technologies. These tools might include risk analysis models, behavior tracking, and fraud detection alerts, which further enhance security measures.

6. Monitor and Respond to Unusual Transactions: Constant vigilance through monitoring systems can help businesses identify and respond to suspicious activity. Real-time alerts can enable companies to freeze accounts or transactions, minimizing the damage done by potential fraud.

Eric Hannelius, a recognized expert in fintech, offers his thoughts on the importance of blending technology and education to combat fraud. “Fraud prevention should be part of a company’s culture, not just a reactive measure when something goes wrong,” Eric Hannelius asserts. “The combination of advanced tools and informed human intervention is what truly makes a difference in reducing fraud risks.”

He emphasizes that businesses must focus on a holistic approach that encompasses both technological defenses and ongoing employee education. “It’s about building trust with customers, which can only happen when they know their data is secure,” Eric Hannelius adds. “Engaging in proactive measures protects businesses and fosters customer loyalty.”

Practical Examples of Effective Fraud Prevention:

E-Commerce Platforms: By integrating AI-powered fraud detection tools and using MFA for customer logins, online stores can reduce instances of card fraud and account takeovers.

Retail Sector: Training frontline staff to recognize the signs of fraud, such as suspicious transactions or unusual purchasing patterns, can help prevent losses from occurring in-store.

Subscription-Based Businesses: Implementing tokenization for recurring payments can safeguard sensitive customer data and reduce fraud risks associated with automatic renewals.

To strengthen fraud prevention efforts, businesses must collaborate with payment processors, financial institutions, and cybersecurity experts. This collaboration fosters information-sharing and helps create a unified front against fraud, enabling businesses to stay ahead of fraud trends.

Reducing payment fraud requires a multi-layered approach, combining advanced technology, employee vigilance, and customer-focused strategies. As Eric Hannelius highlights, businesses must stay proactive, integrating both tech solutions and educational initiatives to protect sensitive information and reduce vulnerabilities. By adopting a comprehensive fraud prevention strategy, businesses can ensure safer transactions and stronger customer relationships, ultimately fostering long-term trust and success.

[slopes-dev]

Effective eCommerce Optimization Strategies for 2025

The eCommerce landscape continues to evolve rapidly, driven by technological advancements, changing consumer behavior, and market trends. To stay competitive, businesses must adopt innovative strategies and tools. Here’s a comprehensive guide to effective eCommerce optimization in 2025:

1. Personalization at Scale

AI-Driven Personalization: Use AI and machine learning to analyze customer behavior and deliver tailored recommendations, dynamic pricing, and customized marketing messages.

Hyper-Targeted Campaigns: Leverage first-party data to create targeted email and ad campaigns based on user preferences and past purchases.

2. Mobile-First Design

Responsive Design: Ensure your site is fully optimized for mobile devices, offering seamless navigation, fast load times, and touch-friendly interfaces.

Progressive Web Apps (PWAs): Invest in PWAs to provide app-like experiences without requiring downloads.

3. Enhanced User Experience (UX)

Simplified Navigation: Use AI-powered chatbots and voice search to guide users effectively.

Frictionless Checkout: Implement one-click checkouts, multiple payment options, and buy-now-pay-later (BNPL) services to reduce cart abandonment.

4. AI and Automation

Chatbots and Virtual Assistants: Enhance customer service with AI-driven chatbots that offer instant support and resolve queries.

Automated Inventory Management: Use predictive analytics to manage stock levels, prevent overstocking, and minimize shortages.

5. Leveraging Data and Analytics

Real-Time Analytics: Implement tools like Google Analytics 4 and custom dashboards for tracking customer behavior and campaign performance.

Predictive Insights: Use predictive modeling to anticipate trends and optimize inventory, pricing, and marketing strategies.

6. Search Engine Optimization (SEO) and Voice Search

SEO for Zero-Click Searches: Optimize for featured snippets and answer boxes to capture attention directly in search results.

Voice Search Optimization: Adapt content for conversational queries and integrate voice-enabled shopping features.

7. Sustainability and Ethical Practices

Eco-Friendly Practices: Showcase environmentally responsible practices like sustainable packaging and carbon-neutral shipping.

Transparent Supply Chains: Highlight ethical sourcing and fair trade certifications to appeal to conscious consumers.

8. Social Commerce Integration

Shoppable Content: Use platforms like Instagram, TikTok, and Pinterest to create content that directly links to product pages.

Influencer Collaborations: Partner with influencers who resonate with your target audience to drive traffic and sales.

9. Video and Interactive Content

Product Demonstrations: Use short, engaging videos to showcase product features and benefits.

Augmented Reality (AR): Allow customers to virtually try products like clothing, furniture, or makeup to enhance decision-making.

10. Cybersecurity and Privacy

Enhanced Security Measures: Invest in robust encryption, multi-factor authentication, and fraud detection systems.

Data Privacy Compliance: Stay updated with regulations like GDPR, CCPA, and emerging privacy laws to build customer trust.

11. Localization and Global Expansion

Localized Experiences: Adapt content, payment options, and marketing strategies to regional preferences.

Cross-Border eCommerce: Leverage global marketplaces like Amazon and Alibaba to expand your reach.

12. Omnichannel Strategy

Seamless Integration: Connect online and offline experiences with features like in-store pickup and consistent branding across channels.

Unified Customer View: Use CRM tools to track interactions across all touchpoints for a holistic customer experience.

13. Subscription Models and Loyalty Programs

Subscription Services: Offer subscription-based models for recurring revenue and enhanced customer retention.

Gamified Loyalty Programs: Use points, rewards, and tiered memberships to incentivize repeat purchases.

14. AI-Optimized Pricing

Use AI tools to dynamically adjust prices based on market trends, competitor pricing, and customer demand in real-time.

15. Voice and Visual Search

Voice Search: Optimize for spoken queries by using natural language in product descriptions and FAQs.

Visual Search: Enable customers to upload images and find similar products in your store.

Key Tools and Technologies for 2025

eCommerce Platforms: Shopify, Magento, WooCommerce

Analytics Tools: Google Analytics 4, Hotjar, Mixpanel

Marketing Automation: Klaviyo, HubSpot, Mailchimp

AI Tools: ChatGPT, Jasper AI, Optimizely

Payment Solutions: Stripe, PayPal, Klarna

By staying proactive with these strategies, eCommerce businesses can adapt to the rapidly changing landscape and achieve sustained growth in 2025 and beyond. Would you like detailed guidance on any of these strategies?

[gimbook-blogs]

The Future of Accounting Billing Software: Trends to Watch

Accounting and billing software have become essential tools for businesses worldwide. With advancements in technology, these tools are evolving rapidly, shaping the future of financial management. In this blog, we will explore the key trends and innovations in invoicing and billing software, such as blockchain in accounting, mobile-first billing solutions, and subscription-based invoicing tools. Let’s dive into the future of accounting software and discover what’s in store.

The Rise of Cloud-Based Solutions

Cloud technology has revolutionized how businesses operate. In 2023, more than 60% of small and medium-sized businesses (SMBs) used cloud-based accounting software, and this percentage is expected to reach 80% by 2026. Cloud-based solutions offer real-time access to data, enabling businesses to manage their finances from anywhere. This flexibility is especially beneficial for companies with remote teams or multiple office locations.

Benefits of Cloud-Based Solutions:

Automatic updates with new features

Enhanced data security

Scalability for growing businesses

Automation and Artificial Intelligence (AI)

Automation and AI are becoming integral parts of accounting software. These technologies help reduce manual errors, save time, and provide accurate financial insights. For example, AI-powered tools can categorize expenses, predict cash flow trends, and even detect fraudulent transactions.

According to a study by Gartner, by 2025, 75% of businesses will use AI-based solutions to automate accounting tasks. This shift will allow accountants to focus more on strategic planning rather than repetitive data entry.

Upcoming Billing Features Powered by AI:

Predictive analytics for financial forecasting

Smart invoice generation

Personalized customer insights

Mobile-First Billing Solutions

As smartphone usage continues to grow, mobile-first billing solutions are gaining popularity. In 2022, around 45% of businesses used mobile apps for invoicing and payments, and this number is projected to increase to 70% by 2025. Mobile-friendly software allows users to create invoices, track payments, and manage finances on the go.

These solutions are particularly useful for small business owners and freelancers who often need quick access to their financial tools. Features like push notifications for overdue payments and one-tap payment reminders make mobile-first billing solutions highly convenient.

Blockchain in Accounting

Blockchain technology is transforming the accounting landscape by introducing transparency and security. By 2028, the global blockchain market in accounting is expected to reach $11.5 billion, growing at a compound annual growth rate (CAGR) of 47.2% from 2023.

How Blockchain Benefits Accounting:

Secure and tamper-proof transaction records

Instant verification of financial data

Reduced risk of fraud and errors

Blockchain can also streamline invoicing by enabling smart contracts, which automatically execute payment terms once conditions are met. For instance, a freelancer could receive payment immediately after submitting a project, eliminating delays.

Subscription-Based Invoicing Tools

Subscription-based models are becoming a preferred choice for businesses of all sizes. Instead of purchasing software outright, companies can subscribe to monthly or annual plans. This model provides access to the latest features without the need for costly upgrades.

In 2023, the subscription economy was valued at $275 billion and is predicted to grow to $1.5 trillion by 2030. Subscription-based invoicing tools often include features like recurring billing, automatic payment reminders, and detailed analytics.

Advantages of Subscription-Based Tools:

Affordable pricing with predictable costs

Regular updates and new features

Integration with other business tools

Integration with Other Business Systems

Modern accounting software is not just limited to bookkeeping. It integrates seamlessly with other business systems like Customer Relationship Management (CRM), Enterprise Resource Planning (ERP), and e-commerce platforms. For example, integration with a CRM system allows businesses to automatically generate invoices based on customer interactions.

This interconnected approach helps businesses streamline operations, reduce manual work, and improve overall efficiency. According to a report by Statista, 65% of businesses will prioritize software integration by 2025.

Focus on User Experience (UX)

As competition increases, accounting software providers are focusing on delivering a superior user experience. Intuitive interfaces, customizable dashboards, and easy navigation are now standard features.

For instance, QuickBooks and Xero have introduced guided setups and tutorials to help users get started quickly. Enhanced UX not only improves user satisfaction but also reduces the learning curve for new users.

Emphasis on Data Security

With the rise of cyber threats, data security remains a top priority for accounting software developers. Advanced encryption, multi-factor authentication, and regular security audits are becoming standard practices.

In 2023, the cost of data breaches in the financial sector averaged $5.85 million per incident. To mitigate such risks, many software providers are adopting ISO-certified security measures and offering cyber insurance.

GimBook: Simplifying the Future of Billing

GimBook is at the forefront of revolutionizing accounting and billing with its cutting-edge features tailored for modern businesses. Designed with user-friendly interfaces and advanced technologies like automation, mobile-first solutions, and seamless integrations, GimBook empowers companies to manage their finances efficiently. Whether you’re a freelancer or a growing enterprise, GimBook offers innovative tools like smart invoicing, subscription-based billing, and real-time financial insights. With a commitment to security and sustainability, GimBook is the perfect partner to help businesses stay ahead in the evolving landscape of billing software.

Try GimBook today and embrace smarter, faster, and more secure billing solutions, click here: https://bit.ly/4eMIOHF

Conclusion

The future of accounting software is bright, driven by innovations in invoicing, mobile-first solutions, blockchain technology, and more. Businesses can expect smarter, faster, and more secure tools to manage their finances. By staying updated on these billing software trends, companies can leverage cutting-edge features to gain a competitive edge.

Whether you are a small business owner, a freelancer, or part of a large corporation, these advancements will make managing finances easier than ever. Embracing these trends now can help future-proof your business for the years to come.

[yudizsolutionsltd]

A Comprehensive Guide to Poker Game Development 2025

Poker is one of the most popular card games in the world, boasting millions of players across online and offline platforms. The surge in digital gaming and mobile apps has revolutionized the poker experience, making it more accessible, immersive, and engaging than ever before. If you’re looking to enter this lucrative market, understanding the nuances of Poker Game Development is essential. This guide delves into the intricacies of creating a successful poker game, from conceptualization to launch, and highlights the importance of working with experienced Poker App Developers.

What is Poker Game Development?

Poker Game Development involves designing and creating a digital platform that replicates the excitement and strategy of traditional poker games. These platforms range from mobile applications and browser-based games to comprehensive multiplayer systems. Key features include gameplay mechanics, virtual currencies, secure payment systems, and interactive user interfaces.

Developing a poker game requires expertise in game mechanics, graphic design, backend development, and compliance with gaming regulations. This is where Poker Game Developers play a crucial role, transforming ideas into polished, functional products that captivate audiences.

Why Invest in Poker Game App Development?

The online poker industry is thriving, with a market size projected to grow significantly in the coming years. Several factors drive the demand for innovative and accessible gaming platforms:

Global Reach: Online poker transcends geographical barriers, allowing players from different parts of the world to connect and compete.

Mobile Gaming Boom: With smartphones becoming ubiquitous, mobile poker apps are now the preferred choice for many users.

Monetization Opportunities: Poker apps can generate revenue through in-app purchases, advertising, subscription models, and tournament fees.

User Engagement: Features like multiplayer modes, live chats, and tournaments keep players engaged and loyal to the platform.

By leveraging professional Poker Game Development Services, you can create an app that meets market demands while standing out in a competitive landscape.

Key Features of a Poker Game App

A successful poker game app balances functionality, design, and user engagement. Below are the core features you should consider:

1. User Interface (UI) and User Experience (UX)

A sleek, intuitive UI ensures a smooth onboarding process.

Interactive elements like avatars and customizable tables enhance the user experience.

2. Game Modes

Texas Hold’em, Omaha, and other variations cater to diverse player preferences.

Options for single-player, multiplayer, and tournaments increase replay value.

3. Secure Payment Gateway

A robust payment system supports multiple currencies and secure transactions.

Integration with wallets, credit cards, and cryptocurrencies enhances user convenience.

4. AI-Powered Features

AI opponents for single-player modes offer a challenging gameplay experience.

AI-driven insights can also help detect fraud and improve game security.

5. Social Features

Live chat, friend invites, and leaderboards build a community around the app.

Players can share achievements on social media, boosting app visibility.

6. Analytics Dashboard

Real-time analytics provide insights into user behavior, helping developers optimize features.

7. Cross-Platform Compatibility

Support for iOS, Android, and desktop ensures a wider audience reach.

Steps in Poker Game Development

1. Conceptualization and Research

Define the game type, target audience, and unique selling points (USPs).

Research market trends and analyze competitor offerings.

2. Partnering with a Poker Game Development Company

Choose a reputable Poker Game Development Company with a proven track record.

If you’re looking for cost-effective solutions without compromising quality, consider a Poker Game Development Company in India, which offers skilled professionals at competitive rates.

3. Game Design

Create detailed wireframes and prototypes to visualize the app structure.

Focus on user-friendly layouts and engaging graphics.

4. Development

Frontend developers handle the app’s interface, ensuring a seamless player experience.

Backend developers focus on the server, database, and payment integration.

5. Testing and Quality Assurance

Rigorous testing ensures the app is bug-free and functions smoothly.

Test for compatibility across devices and platforms.

6. Launch and Marketing

Deploy the app on app stores and gaming platforms.

Promote your app through digital marketing, social media campaigns, and influencer partnerships.

Why Partner with Professional Poker App Developers?

Creating a poker game app is a complex process requiring expertise across various domains. Experienced Poker App Developers bring the following advantages:

Technical Expertise: They are proficient in the latest programming languages, frameworks, and tools for game development.

Design Excellence: Developers ensure that the app is visually appealing and easy to navigate.

Regulatory Compliance: They understand the legalities of gaming platforms and ensure compliance with local and international regulations.

Custom Solutions: Professional developers tailor the app to meet your specific requirements, adding features that align with your business goals.

The Role of Poker Game Development Services

Outsourcing Poker Game Development Services provides several benefits:

Cost Efficiency: It reduces the need for in-house resources, lowering development costs.

Faster Time-to-Market: A dedicated team can speed up the development process, helping you launch sooner.

Post-Launch Support: Ongoing maintenance and updates ensure your app stays relevant and functional.

When choosing a development partner, evaluate their portfolio, client reviews, and expertise in Poker Game App Development.

The Indian Advantage in Poker Game Development

India has emerged as a hub for tech innovation, and gaming is no exception. A Poker Game Development Company in India offers:

Skilled Workforce: Indian developers are known for their technical acumen and creative problem-solving.

Cost-Effective Solutions: Competitive pricing makes it a preferred destination for outsourcing.

Time Zone Advantage: Flexible working hours ensure seamless communication with clients worldwide.

Monetization Strategies for Poker Game Apps

To make your poker game app profitable, implement the following monetization methods:

In-App Purchases

Offer virtual chips, premium avatars, and other exclusive items.

Subscription Plans

Introduce tiered memberships with added benefits for paying users.

Advertising

Partner with advertisers to display non-intrusive ads within the app.

Tournaments and Events

Charge entry fees for high-stakes tournaments with lucrative rewards.

Future Trends in Poker Game Development

The gaming industry is evolving rapidly, and poker apps are no exception. Here are some trends shaping the future:

Blockchain Integration

Blockchain technology enhances transparency and security in transactions.

Crypto-based poker games are gaining popularity.

Augmented Reality (AR) and Virtual Reality (VR)

AR and VR technologies create immersive gaming experiences, replicating real-life poker tables.

AI and Machine Learning

AI enhances game mechanics, while machine learning analyzes player data to improve user retention.

Esports and Live Streaming

Competitive poker tournaments are becoming part of the esports ecosystem, attracting global audiences.

Conclusion

The journey of Poker Game Development involves meticulous planning, skilled execution, and continuous innovation. From understanding market demands to delivering a feature-rich app, every step is crucial for success. Whether you’re an entrepreneur entering the gaming sector or a business seeking to expand your digital offerings, partnering with the right Poker Game Developers can make all the difference.

If you’re ready to transform your vision into reality, consider engaging a professional Poker Game Development Company. Their expertise ensures that your app not only meets industry standards but also exceeds player expectations.

With the growing popularity of poker apps, now is the perfect time to invest in Poker Game App Development. Tap into this booming industry and carve out a space for your brand in the dynamic world of online gaming!

[jcmarchi]

Cara Jones, Co-Founder & CEO of Marinus Analytic – Interview Series

New Post has been published on https://thedigitalinsider.com/cara-jones-co-founder-ceo-of-marinus-analytic-interview-series/

Cara Jones, Co-Founder & CEO of Marinus Analytic – Interview Series

Cara Jones is the CEO and co-founder of Marinus Analytics, Cara is passionate about high tech implementations that maximize the efficiency, and by extension, impact, of agencies. Her desire to serve the public safety and human services sector was influenced by her father’s career as a forensic social worker. She has managed the maturation and commercialization of Marinus Analytics’s Traffic Jam software since the company’s founding. She has a deep wealth of experience ranging from engineering autonomous robots, integration testing federal enterprise IT, and even coaching ice hockey, and leads Marinus’s expansion across law enforcement, government, and corporate sectors.

Marinus Analytics is a woman-owned AI company dedicated to advancing public safety by tackling human trafficking, child exploitation, and cyber fraud. Its powerful AI tools, like Traffic Jam and Cyber Fraud (developed with IBM Watson), help law enforcement identify criminal networks and save thousands of investigative hours. By analyzing public data from exploitation hotspots, Marinus empowers authorities with actionable insights—without compromising privacy.

Can you tell us more about the founding of Marinus Analytics and what inspired you and your co-founder to create AI solutions for public safety?

What inspired us then, and continues to inspire us every day, is to be in service to frontline public safety champions of victim-centered trauma-informed policing. I clearly remember the first time I spoke with a federal agent who was searching for a missing and trafficked child, I knew it would be a joy to dedicate my career to helping professionals who specialize in this field. We find the motivation to support these agents, detectives, and analysts through our purposely built technology. Ultimately, credit is due to these unsung heroes who work tirelessly to protect the vulnerable from digitally enabled commercial sexual exploitation.

How did your background in robotics and AI research at Carnegie Mellon University influence the vision for Marinus Analytics?

The work at the Auton Lab (the research lab where Traffic Jam was conceived) has focused on social impact across different areas of government for over thirty years. These values are central to our work as we transitioned outside the university and became a vendor to public sector clients.

My business perspective on lean innovation was gained during my early career working for a robotics startup (which also came out of Carnegie Mellon University.) Their revenue model, which was novel then, for pay-as-you-go leasing of the robots motivated us to operate Traffic Jam as a Software-as-a-Service. I have always been attracted to the democratization of technology through this model. It reduces the financial risk of becoming an early adopter of a non-mainstream solution. Thankfully, we received generous support from the National Science Foundation to subsidize the research and development and to allow us to provide access through an affordable subscription.

Why Pittsburgh? How has the city supported the development of Marinus Analytics? What resources and advantages are presented by being there?

AI began in Pittsburgh, with Carnegie Mellon University as a trailblazer since the 1950s. Pittsburgh’s ecosystem includes over 100 companies focused on robotics and AI, with a workforce of 7,000+. It fosters cutting-edge advancements in AI solutions for public safety, transportation, healthcare, and much more, positioning itself as a leader in artificial intelligence and automation.

When I left for college, picking a major in computer engineering almost necessarily meant I would not return here to work. Thanks to the world-class AI programs at Carnegie Mellon University and its effect on the region’s economy, and to the Pittsburgh programs to support, fund, and mentor social entrepreneurs, I got to build my dream job in my hometown.  We have recruited talented engineers from our local colleges, we built a sustainable business model with the advice of the Project Olympus campus incubator, and we got access to funding through UpPrize, Idea Foundry, and, most recently, the Richard King Mellon Foundation. We also have valued cheerleaders at the Pittsburgh Tech Council for innovation in the Pittsburgh region.

How has the company’s mission to combat human trafficking and exploitation evolved since its founding?

The mission has been consistent over the years. We will continue to innovate and promote victim-centered trauma-informed policing. What began here in Pittsburgh is now in use by public safety agencies across three continents, and this internationalization is expanding through our London office, which opened in 2023.

We support public safety agencies in countries where the legislation and culture around commercial adult services vary significantly, but the commonality is to proactively address exploitation within high-risk markets. We aim to continue to spread best practices across the geographically diverse professional community we serve, who are united in this common goal.

What does the recent $400K investment from the Richard King Mellon Foundation mean for Marinus Analytics, and how do you plan to use this funding to further your impact?

Receiving this investment from the Richard King Mellon Foundation is an incredible honor. This funding will allow us to expand our software for the benefit of child welfare organizations and broaden our positive impact on the fight against human trafficking and online harm. We are proud to partner with the RK Mellon Foundation in our shared goal to proactively scale and protect our most vulnerable populations.

Your AI solution Traffic Jam has saved an estimated 70,000 investigative hours. Can you walk us through how the platform helps law enforcement identify victims of human trafficking more efficiently?

Traffic Jam uses AI and automation to draw connections between advertising on adult service websites and missing person photos provided to law enforcement, where appearances are often drastically altered. In this example, AI can provide increased accuracy with greater efficiency than a human working manually. A victim can be rescued in days instead of what might have been months.

The time of our frontline champions is so much better spent out in the community serving people in need, forming relationships, and using their experience to proactively identify problematic situations. Their time would be wasted sitting at the computer, while automation can do that efficiently and accurately, freeing up a resource to make neighborhoods safer. It fundamentally helps them to become more proactive.

What ethical considerations are in place when developing AI-driven tools for public safety, especially regarding privacy and data security?

When we talk about investigating commercial sexual exploitation, we begin with the understanding it must be handled with sensitivity. The ethical considerations are what motivates our work. We diligently address data privacy and security measures during development and through our client relationships to ensure the service we are providing to police is not only an ethical solution but the best tool to disrupt commercial exploitation.

In what ways has Marinus Analytics partnered with law enforcement agencies and social service organizations to directly assist victims of human trafficking?

Marinus Analytics partners with public safety agencies worldwide, and we are excited to welcome a statewide child welfare agency as an early adopter of our technology in this critical space. With our MPWatch (Missing Persons Watch) technology, they are taking the lead in protecting at-risk children and locating missing minors. By collaborating with police and child welfare teams, we help ensure victims are identified quickly and resources are used efficiently. Our tools empower frontline professionals to act swiftly, making a direct impact in the fight to safeguard vulnerable individuals—just as we strive to do with all our partners.

How does your AI help public safety professionals identify trends and patterns that may otherwise go unnoticed in human trafficking investigations?

One of the challenges in human trafficking prosecutions is an over-reliance on the victim to provide evidence against the trafficker. It is a real burden to place on an individual who is often fearful for themselves and their family members. The technology can gather evidence and harness data to tell its own story of how exploitation occurred, identifying networks and trends that may point to organized crime. Without the assistance of purposely built technology, identifying those same networks may not be possible through a victim’s account or would otherwise take many more hours, dollars, and department resources. We hope this is a game-changer for future cases.

What new advancements in AI do you see on the horizon that could further enhance Marinus Analytics’ ability to disrupt human trafficking and organized crime?

The rapid evolution of open-source multimodal AI models represents a significant breakthrough in our fight against human trafficking. These advanced models are being trained on increasingly vast datasets, opening new frontiers to apply to our investigative capabilities. By leveraging these large-scale, open-source models, we can employ knowledge distillation techniques to create specialized, smaller models tailored to our specific use cases, using less training data than would otherwise be necessary. This approach is particularly valuable given the sensitive nature of our work, where access to extensive training data can be limited. These distilled models maintain much of the capability of their larger counterparts while being more efficient and deployable in resource-constrained environments.

Furthermore, these multimodal models are advancing our ability to generate more effective embeddings for both textual and visual data. This enhancement significantly improves information retrieval and cross-referencing capabilities, allowing us to identify patterns and connections that might otherwise remain hidden. For instance, we can more accurately match and cross-reference images and textual descriptions across various data sources, potentially uncovering criminal networks and trafficking operations more effectively. As these AI models continue to evolve, we anticipate even greater advancements in our ability to process and analyze complex, multimodal data streams, ultimately enhancing our capacity to disrupt criminal activities and protect vulnerable individuals.

Thank you for the great interview, and more importantly for all of the important work that you do. Readers who wish to learn more should visit Marinus Analytics.

[foloosi]

Fraud Detection for Subscription Services: Proven Strategies to Secure Recurring Payment

Subscription fraud can be a serious issue for businesses, leading to financial losses and a broken trust with customers. Fraud prevention isn’t just about technology; it’s also about creating a secure, seamless experience for users. Here’s how subscription services can stay one step ahead with these seven proven strategies to prevent fraud.

Subscription services have become a go-to choice for businesses looking to create steady revenue, whether it’s for streaming services, software, or e-commerce platforms. With the subscription model, customers enjoy the convenience of automatic renewals, while businesses benefit from predictable income streams. However, this recurring payment model also brings significant challenges, particularly when it comes to fraud detection and prevention.

Fraudulent activities like account takeovers, chargebacks, and stolen payment details can harm both businesses and customers. For businesses, these issues can lead to revenue loss, damage to reputation, and even legal consequences. For customers, it may lead to unauthorized charges and data breaches.

The good news is that with the right fraud detection strategies, subscription businesses can secure their recurring payments and ensure a smooth experience for legitimate customers. In this blog, we’ll explore proven strategies for detecting and preventing fraud in subscription-based services, focusing on fintech-based solutions that can help protect businesses and their customers.

What Is Subscription Fraud?

Subscription fraud happens when someone signs up for a service using fake or stolen details. The aim? To get access to products or services without paying for them. This could mean using someone else's credit card, creating multiple fake accounts to exploit free trials, or providing false information to avoid paying fees.

Imagine a person signing up for a streaming service with fake emails every month just to avoid subscription fees. Or think of someone using a stolen credit card to access a premium service without the card owner's consent. These scenarios hurt both businesses and genuine customers in more ways than one.

Why Does Subscription Fraud Matter?

Here are some of the main reasons why subscription fraud is a big deal:

Revenue Loss: When users access a service for free through fraudulent methods, the business loses money. This might lead to higher prices for genuine users over time to cover losses.

Security Risks: Fraudulent accounts can lead to data breaches, putting user information at risk.

Impact on Genuine Customers: Businesses may limit trial offers or add extra verification steps, which can be frustrating for honest users.

Damage to Brand Reputation: Frequent fraud incidents can damage a company's reputation, leading users to lose trust in the platform.

7 Proven strategies to Detect and Prevent Fraud in Subscription Services

Subscription fraud can be a serious issue for businesses, leading to financial losses and a broken trust with customers. Fraud prevention isn’t just about technology; it’s also about creating a secure, seamless experience for users. Here’s how subscription services can stay one step ahead with these seven proven strategies to prevent fraud.

1. Strong Authentication Methods to Keep Out Fraudsters

The first step to stopping fraud is ensuring that only verified users can access accounts and make payments. Strong authentication methods, like Two-Factor Authentication (2FA), are crucial here. With 2FA, users confirm their identity by entering a code sent to their phone or email, even after entering their password. This extra layer makes it harder for anyone to access accounts without authorization. Another advanced option is biometric authentication, where users can log in using a fingerprint or facial recognition. For online card payments, 3D Secure (3DS) asks customers for a code from their card provider, adding an extra checkpoint for security. Together, these authentication methods make it much harder for fraudsters to access or abuse customer accounts.

Read more

[dsmaxskyshubham]

Get Right Property

Get Right Property: Redefining Real Estate in India

Introduction

Get Right Property is a pioneering real estate platform in India that has revolutionized the property marketplace by eliminating the need for intermediaries. Founded in 2023, the platform aims to simplify the process of buying, selling, and renting properties by connecting property seekers directly with property owners. With a focus on transparency and cost efficiency, Get Right Property has become one of the most trusted platforms in the Indian real estate ecosystem.

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Unique Proposition

Unlike traditional real estate platforms that depend on brokers for property listings, Get Right Property operates on a no-brokerage model. This approach helps users save significant amounts of money that would otherwise be spent on broker commissions. The platform facilitates seamless interactions between property owners and seekers through its innovative features.

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Key Features

1. Verified Listings

All property listings on Get Right Property are verified to ensure authenticity, reducing the risk of fraud.

2. Personalized Recommendations

Using AI-based algorithms, Get Right Property provides users with personalized property suggestions based on their preferences.

3. End-to-End Services

The platform offers services like home loans, packers and movers, legal documentation, and property management, ensuring a hassle-free experience for users.

4. Rent Agreement Services

Get Right Property assists with creating rental agreements, a crucial aspect of renting properties in India.

5. Affordable Subscription Plans

The platform offers various subscription plans, including a free basic plan and premium options for additional benefits like contact details of owners and tenant preferences.

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Impact and Popularity

As of 2024, Get Right Property has over 2 million property listings and operates in major cities like Bengaluru, Mumbai, Delhi, Pune, Chennai, and Hyderabad. The company has saved its users billions in brokerage fees and continues to grow, attracting millions of monthly visitors.

Customer-Centric Innovations

Society Management Tool: Get Right Property Hood is a society management application that integrates visitor management, maintenance billing, and complaint tracking for housing societies.

Green Initiatives: Get Right Property promotes eco-friendly practices through campaigns and community engagement.

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Recognition and Achievements

Get Right Property has been featured in numerous “top real estate websites” lists and recognized as one of India’s fastest-growing startups. It has successfully raised funding from global investors and gained a reputation for trust and efficiency

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Conclusion

Get Right Property has disrupted the traditional real estate market in India by offering a transparent, user-friendly, and cost-effective platform. With its innovative solutions and commitment to customer satisfaction, Get Right Property continues to lead the way in redefining how Indians buy, sell, and rent properties.

[acceptccnow]

Online Credit Card Processing: Advanced Tips and Techniques

Article by Jonathan Bomser | CEO | Accept-Credit-Cards-Now.com

In the ever-shifting realm of e-commerce, embracing online credit card processing isn't merely a convenience; it's a vital strategy for turbocharging sales and widening your customer reach. As the digital marketplace keeps evolving, so do the methods and technologies underpinning this process. Whether you operate an e-commerce emporium, engage in high-risk ventures, or delve into credit repair or CBD businesses, this article will furnish you with advanced insights and techniques to become a maestro of online credit card processing. From grasping high-risk merchant accounts to harnessing state-of-the-art payment gateways, we've got your back.

DOWNLOAD THE ONLINE CREDIT CARD INFOGRAPHIC HERE

The Potency of Embracing Credit Card Payments At the heart of prosperous online transactions resides the capacity to embrace credit card payments. It's not merely about convenience; it's about catering to the preferences of contemporary consumers who seek seamless and secure payment methods. Integrating credit card processing into your e-commerce platform enhances your credibility and flings open doors to a global clientele.

Unmasking High-Risk Merchant Accounts Steering high-risk industries doesn't entail compromising on payment processing. High-risk merchant accounts are adept at catering to businesses entrenched in sectors prone to chargebacks or legal complexities. These specialized accounts offer bespoke solutions that mitigate risks and ensure fluid transactions, granting you the freedom to concentrate on business growth sans apprehension.

Navigating the High-Risk Payment Terrain When your business falls within the high-risk bracket, conventional payment processors might waver. However, high-risk payment processing is meticulously crafted to address your unique demands. Armed with specialized fraud prevention tools and risk management techniques, you can fortify your transactions and cultivate trust among your clientele.

Advanced Stratagems for Credit Repair Enterprises Credit repair is a noble venture but laden with its share of challenges. Accepting credit card payments in this realm demands finesse. Leveraging credit repair merchant processing and payment gateways bespoke to your industry empowers you to aid clients in revitalizing their credit while ensuring smooth, secure transactions.

Venturing into the CBD Realm The CBD industry is in full bloom, but its association with high-risk factors might make payment processing appear formidable. Fret not, as CBD merchant processing is adept at handling the idiosyncrasies of your enterprise. From CBD payment gateways to high-risk credit card processing, these solutions unveil the potential of your CBD venture.

The Crucial Role of E-Commerce Payment Gateways E-commerce is synonymous with convenience and efficiency. To truly excel in this sphere, you necessitate an e-commerce payment gateway that aligns with your business model. Whether you deal in products or services, subscriptions, or one-off purchases, the right payment gateway augments the user experience and catalyzes conversions.

Empowering Your Enterprise with Payment Processing Solutions In the digital age, a robust payment processing system constitutes the spine of your online venture. From credit and debit card payment processors to credit card payment gateways, your choices exert a substantial influence on your business's growth trajectory. The capability to handle credit card payments smoothly and provide a gamut of online payment options fortifies your stance in the fiercely competitive e-commerce arena.

The domain of online credit card processing is dynamic, extending tailored solutions to businesses spanning diverse industries and risk profiles. By adopting advanced techniques and capitalizing on specialized services like high-risk merchant processing, credit repair payment gateways, and CBD merchant accounts, you're not merely processing payments; you're unearthing the full potential of your business. In a realm where convenience and security hold sway, mastering these techniques becomes your ticket to unwavering success in the digital marketplace.

[rajeshwaria]

Quantzig’s Comprehensive Fraud Analytics: Safeguarding Telecom from Emerging Threats

The telecom industry is uniquely vulnerable to various types of fraud, including account takeovers, unauthorized access, and subscription fraud. As reliance on digital communication and data services continues to grow, so does the potential for these fraudulent activities to disrupt operations and compromise customer data. Quantzig’s fraud analytics solutions provide telecom companies with the tools they need to identify these threats early, ensuring comprehensive security for customer data and minimizing the impact of fraud.

The Challenges of Fraud Detection in Telecom

Fraud detection in the telecom sector presents distinct challenges due to the diverse array of fraudulent schemes and the rapid pace of technological advancement. Criminals continuously evolve their tactics to exploit weaknesses in telecom systems, making traditional detection methods inadequate. For example, account takeover fraud, where a fraudster gains access to a customer’s account and makes unauthorized changes or purchases, can occur quickly and stealthily, leaving little time for telecom companies to react.

Quantzig’s fraud analytics solutions address these challenges by implementing sophisticated predictive models that can pinpoint potential fraud attempts before they escalate. By analyzing historical transaction data, customer behavior patterns, and industry trends, Quantzig’s analytics can identify anomalies that indicate fraudulent activity, enabling proactive measures to mitigate risks. This capability is crucial for telecom providers, as it helps them stay ahead of emerging threats in an ever-changing landscape.

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Real-Time Monitoring for Effective Prevention

To effectively combat fraud, telecom companies must have robust real-time monitoring systems in place. Fraudulent activities often require immediate action to prevent further losses, making it essential for providers to detect unauthorized activities as they happen. Quantzig’s solutions facilitate instant fraud detection and prompt response, ensuring that suspicious transactions or account changes are quickly identified and addressed.

For instance, if a telecom provider notices a sudden spike in requests to change account information from a specific customer, Quantzig’s analytics can trigger an alert. This enables the telecom company to investigate the activity further, confirming whether it is a legitimate request or a potential fraud attempt. By intervening swiftly, telecom companies can prevent unauthorized access and protect customer accounts, thereby preserving both financial assets and brand reputation.

Quantzig’s Role in Protecting Customer Data

Data security is a critical component of telecom operations. With the increasing amount of sensitive customer information being transmitted and stored, telecom companies must prioritize safeguarding this data against fraud. Quantzig’s fraud analytics platform not only focuses on detecting fraud but also emphasizes secure data handling practices. By combining AI-powered analysis with stringent data protection protocols, Quantzig empowers telecom companies to maintain the integrity of customer information.

The implementation of AI-driven analytics allows telecom providers to process vast amounts of data efficiently, identifying potential vulnerabilities and adapting to new fraud patterns. This proactive approach not only protects customer data but also instills confidence in users, ensuring they trust their telecom providers to keep their information safe.

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Conclusion

As the telecom industry continues to evolve and expand, the threat of fraud looms larger than ever. With the potential for significant financial loss and reputational damage, telecom companies cannot afford to ignore the importance of effective fraud detection and prevention. Quantzig’s advanced fraud analytics solutions offer a comprehensive approach to tackling these challenges, enabling real-time monitoring and leveraging predictive analytics to stay ahead of fraudsters.

By prioritizing fraud analytics, telecom providers can enhance their security measures, protect customer data, and ultimately deliver a safer and more reliable service. In doing so, they not only mitigate the risks associated with fraud but also strengthen their position in a competitive market, fostering customer loyalty and trust in their brand.

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