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first_imgData is being used to transform almost every industry, and in financial services alone, banks are sitting on a goldmine of data. Big Data. Which comes fast, in big numbers, and in all flavors and colors. They obviously own a lot of internal data, both structured and unstructured: from transactions, e-mail logs, loan portfolios, website clickstreams or risk assessments.When these are mixed with external data, even richer insights follow. Like the information coming from social media, the smart grid or even weather reports. Just imagine what kind of customized services an insurance bank could offer if they leverage insights from mobile geo-location data.Yet many banks still mostly focus on internal processes, on operational efficiency, on cleaning up legacy systems or on responding to regulatory requirements. These measures may be essential, but banks will have to move beyond them. This is because their business models are being disrupted, as we speak, by competitors coming from the most unexpected sides.They are no longer players just like them, with legacy systems to upkeep, rules to follow and margins to think of—they are young wolves with one great idea, the digital savvy-ness to bring it cheap and fast to the consumer and nothing to lose. They are also coming from other markets, with a fresh, new view on what money really is, and how it should be handled. They are like Google in the launch of mobile wallet, PayPal and the Bitcoin phenomenon, or the sharing economy with its ‘crowd fund’ projects on peer-to-peer platforms.To survive this revolution, banks have to use their latest asset, information, to understand how they can serve their customers in the best way. They can do this in two ways:1.  By using data to fight cyber crime and win the consumers’ trust back: tracking events in real time for anomalies, offering behavioral authentication or ‘reading’ content in chat forums to uncover new fraud methods.2.  By using data to drive a 360 degree, customer-centric approach:  recognizing them immediately on any channel, offering them a better mobile experience or enabling a far-reaching analysis of their customers’ spending behavior and how it impacts their savings.Many banks will face big challenges before they can tap into the power of Big Data. Too many data silos, spread over too many departments (57% of respondents in a Capgemini study) and the shortage of people that are skilled in data analytics (40% of respondents in a Capgemini study) being the most important ones. But more and more seem to understand that Big Data is no longer “just an option”. 90% of North American financial institutions for instance think that successful big data initiatives will define the winners of the future.So, the real question is: will you be one of those winners?last_img read more


first_img In addition to Jackman, the play stars Laura Donnelly and Cush Jumbo in their Broadway debuts. The River  has extended its limited engagement through February 8, 2015. Directed by Ian Rickson, The River is Butterworth’s follow-up to the Tony-nominated Jerusalem. The play tells the story of a man and a woman in a remote cabin on a moonless night. The River, starring Tony winner Hugh Jackman, has recouped its $3.2 million capitalization. The Jez Butterworth-penned drama began performances at the Circle in the Square Theatre on October 31 and has played at over 100% capacity every week since.center_img View Commentslast_img


first_imgThe Florida Supreme Court Historical Society will conduct its 19th oral history program in Jacksonville February 20, honoring former Jacksonville resident Major B. Harding, who spent the last 11 years of a 34-year judicial career on the Florida Supreme Court before retiring in August.The Supreme Court will meet in ceremonial session February 20 at 3:30 p.m. in the Duval County Courthouse to recognize Harding for his many contributions during his career. Judges and lawyers from throughout the state will take part in the ceremony, which will chronicle Harding’s most significant court decisions and contributions to the Florida judiciary.Later in the day, festivities honoring Harding will shift to the Omni Jacksonville Hotel for a 5:30 reception and 6:30 p.m. dinner and roast, where some of the area’s best known jurists and attorneys will take turns firing verbal jabs at the affable Justice Harding.Invited guests include members of the Historical Society and the Jacksonville Bar Association, which is helping coordinate the event, as well as members of the judiciary, friends of the Hardings, and sponsoring law firms. Harding and his wife of 43 years, the former Jane Lewis of Jacksonville, reside in Tallahassee in retirement.The Florida Supreme Court Historical Society began its series of oral history programs, which are videotaped for posterity, in 1985 when Florida’s legendary senator and congressman, Claude Pepper, was honored. The society is a non-profit organization that works to preserve Florida’s judicial heritage and educate the public about the important role of the third branch of government.Harding’s judicial career began in 1968 when Gov. Claude Kirk appointed him a juvenile judge in Jacksonville. After he served for many years as circuit judge and chief judge in the Fourth Judicial Circuit (comprising Clay, Duval and Nassau Counties), Gov. Lawton Chiles appointed him to the state Supreme Court in 1991. He served as the Supreme Court’s chief justice from 1998-2000. Harding to be honored by Historical Society February 1, 2003 Regular Newscenter_img Harding to be honored by Historical Societylast_img read more


first_imgProtected units (localities) are determined by counties, ie national parks and nature parks in separate points due to belonging to the area of ​​one or more counties, and in the appendix on public consultation there is also current list of protected sites by counties. Accurate and quality interpretation is key. We need to care about the story being told about our history, heritage, identity, way of life and culture. It is important to detect from the attached which are the protected sites in Croatia in order to protect domestic tourist guides and even more important to protect the correct and true interpretation of our heritage and protected sites. Pursuant to Article 70, paragraph 4 of the Law on the Provision of Services in Tourism, the Ministry of Tourism has opened a public consultation on the list of protected sites by counties. regulates the provision of tourist guide services to citizens of another Contracting State to the Treaty on the European Economic Area and the Swiss Confederation on a temporary or occasional basis, in such a way that the same may provide tourist guide services in the territory of the Republic of Croatia, except on or in protected units (localities); this equates the position of the mentioned tourist guides with Croatian tourist guides who have passed only the general part of the professional exam:Authorization is given to the Minister of Tourism to prescribe, with the prior opinion of the Minister responsible for culture and nature protection, a rulebook for a list of protected sites (localities) which would be narrower than the current list of tourist sites (localities) by counties, and which would not include public areas, city squares, forests, parks and the like; We single out from the Law on the provision of services in tourism. Proposal of protected localities by counties Protected whole (locality) means an area, space or facility where they are located or which contains natural, cultural, historical, traditional and other values ​​on which tourist guide services can provide only an authorized tourist guide. Get involved in the public debate, now is the time to qualitatively define the list of all localities, it will be too late later. Attachment: Also, the Ordinance on the professional exam for tourist guides is under public discussion. This Ordinance prescribes the examination program of the professional examination for a tourist guide, the number of teaching hours, the composition of the examination commission, the conditions that must be met by the teaching staff and the manner of taking the examination. One of the negative implications in accordance with the amendments to the Law on the provision of services in tourism, and in accordance with EU regulations, is that it allowed foreign tourist guides to tell the story they want without any control and education about our history. sufficient, and have not undergone training for our sites. Rulebook on professional exam for tourist guides PUBLIC CONSULTATION ON THE LIST OF PROTECTED UNITS (LOCATIONS) BY COUNTIES RULEBOOK ON PROFESSIONAL EXAM FOR TOURIST GUIDESlast_img read more


first_imgIndonesia will need private sector help to provide the Rp 11 trillion (US$803 million) in funding required to power isolated regions this year, as the country’s largest electricity company PLN can only fund one fifth of the projects, according to a government official.The Energy and Mineral Resources Ministry’s Electrification Director General Rida Mulyana said on Wednesday that the funds would be needed to develop power plants, transmission and substations in such regions.However, state-owned utility PLN, could only finance Rp 2.1 trillion of the necessary work, he added. The energy ministry would talk with the Finance Ministry to create a fiscal incentive for private companies to invest in electrification, he said. The government currently offered such an incentive exclusively for state-owned enterprises.“Hopefully, we’ll have a solution in the first half of the year. We could have PLN and the private sector work together to resolve the issue,” Riza told reporters in Jakarta.PLN and the energy ministry aim to push Indonesia’s electrification ratio to 100 percent this year. The country closed last year with a 98.89 percent ratio and the two organizations are struggling to electrify the last stretch, which comprises the most out-of-the-way regions.Energy analysts and politicians have also criticized the electrification ratio as it does not fully represent field conditions. Many villages do not enjoy 24-hour electricity and many have low-power electricity that is only enough to power lightbulbs and charge mobile devices. Neither conditions are suitable to push regional economic growth.Topics :last_img read more


first_img Topics : Prague’s General University Hospital’s intensive care unit was 70% full on Tuesday, department chief Martin Balik said. His main worry was potential school closures cutting staff numbers.”When I don’t get three nurses coming to work because they have to cover for their children at home, then I am one ICU bed short,” Balik said.The government says the health system is coping so far but a point would come where other care would have to be reduced unless the situation is brought under control.Zig-zaggingThe government has resisted bringing back tough coronavirus rules and critics say its policy zig-zags have sapped public trust.”We are most hurt by constant changes and often contradictions in rules for our activities,” said music promoter David Gaydecka.As late as Sept. 1, the Health Ministry loosened rules to allow thousands of people into stadiums and other events.As school reopenings in September neared, Health Minister Adam Vojtech said face masks would be needed again in school corridors. He was overruled by Prime Minister Andrej Babis.Babis told lawmakers during a debate in parliament last week to “stop dealing with coronavirus all the time”.On Monday, he admitted he had taken things too lightly, saying: “I let myself be carried away by the summer and the atmosphere in society.”Earlier that day, Vojtech quit. His successor Roman Prymula, who has warned daily cases could jump to 6,000-8,000, announced tighter measures, including closing bars early and restricting numbers at events.He is facing a less cooperative public. A survey by PAQ research showed just 28% of people under 34 abide by most measures, a slump from 83% in March. Bars and discos reopened, face masks largely disappeared and thousands were allowed at cultural and sports events. Regulations became some of the most relaxed in Europe.With 345 COVID-19 deaths by the end of June, there was a feeling among some Czechs that the measures had been too strict, an overreaction.The past seven days have seen 14,271 cases, as many as in more than four months in the initial wave. Last week, a record 3,128 new infections were reported in a single day.The number of hospital patients has risen more than threefold in September.center_img In June, hundreds of Czechs sat down along a 500-metre table on Prague’s Charles Bridge to celebrate overcoming the coronavirus pandemic with little loss of life.Three months later, the country has Europe’s second-fastest pace of new cases, hospitals are filling up and authorities are racing to catch up.In May and June, the government lifted most coronavirus restrictions whose quick imposition in March had helped the country of 10.7 million fare much better than most in Western Europe.last_img read more


first_img Alondra Residences is welcoming new residents to its development at Nundah.Research released by Urbis at The Urban Developer conference this month referenced a significant demand for retirement living, with increasing life expectancy for both women and men along with average annual growth of 4.1 per cent in resident populations over the age of 65 since 2011.More from newsParks and wildlife the new lust-haves post coronavirus11 hours agoNoosa’s best beachfront penthouse is about to hit the market11 hours agoIn line with this, more than 6000 retirement units are approved for Brisbane’s development pipeline in addition to the 8000 existing retirement properties. Around 65 per cent of the approvals are for mid to high-rise communities, signalling the continuing appeal of vertical retirement living.Alondra Residences is co-located with Lutheran Services’ Zion aged care community in Union St, with 52 apartments over seven levels with transport and shops close by. The project was inspired by extensive market research and the award-winning communities of Switzerland. To view what is on offer, the public is invited to the opening of Alondra Residences on October 12. Alondra Residences is welcoming new residents to its development at Nundah.The first residents are moving into Nundah’s newest retirement community, Alondra Residences, taking up the project’s industry-leading flexible pricing options.Launched this month as youfirst, the model reinvents the standard fixed-price approach for independent living units and is the vision of not-for-profit and Alondra Residences operator, Lutheran Services.One-bedroom apartments at Alondra are priced from $430,000. Lutheran Services CEO, Nick Ryan, said youfirst responds to the increasing demand for more flexibility and choice when it comes to retirement living.“Alondra Residences is our 12th community and from decades in this industry, we are seeing that downsizers and Baby Boomers want even more from their retirement years,” Mr Ryan said. “The motivation behind youfirst is that we put the real benefits of retirement living back in focus, especially when it comes to how residents pay for their new home.“Youfirst means retirees can choose to pay less when they move in and defer a portion of the purchase price until it’s time to re-sell, leaving more savings for what they love to do. They can also pay more upfront if that works better for them financially.“With the features of Alondra Residences combined with our youfirst model, we are really excited about this new benchmark for retirement living.” last_img read more


first_imgMANDAN, N.D. (June 10) – Jason Wolla made Friday’s Xtreme Motor Sports IMCA Modified fea­ture at Dacotah Speedway a race for second place as he led all 25 times around the oval.Wolla pulled away quickly as John Corell had his hands full trying to hold off Marlyn Seidler for second. The low line was the fast line as Tracy Domagala tried to find a way around Drew Christian­son for fourth.As Wolla started catching lapped traffic with 12 laps to go, Domagala passed Christianson for fourth place. While racing for sixth place, Donald Robinson got into Travis Ulmer, bringing out the caution with eight laps to go.However, Wolla pulled away once again on the restart. Point leader Seidler passed Corell for se­cond, bringing Spencer Wilson with him. Wilson, working in the highline, passed Seidler with four laps to go.Wolla led all 25 laps to win for the second time at Dacotah Speedway this season. Wilson fin­ished second as Seidler ran third. Christianson used a last-lap pass to finish fourth ahead of Co­rell.Josh Roehrich pulled away as the laps counted down and went on to pick up back-to-back feature wins in the Mach-1 Sport Compact division. Jason Berg finished second ahead of Chance Seelye. Dylan Sandberg, who started 14th, made a last-lap pass on Josh Houn to finish fourth.last_img read more


first_imgStatewide—The Indiana State Department of Health has reported that 452 additional Hoosiers have been diagnosed with COVID-19.  A total of 39,146 Indiana residents have tested positive for the coronavirus.  To date, 335,180 tests have been reported to ISDH at an 11.7% positive rate and 16 new deaths were reported for a total of 2,214 Hoosiers have died to date.Locally there have been no new cases for 3 consecutive days reported to the Indiana Department of Health.  Decatur County has a total of 235 positive cases and 32 deaths, Franklin County has 119 positive cases and 8 deaths, and Ripley County has 109 positive cases and 6 deaths according to numbers reported to the Indiana State Department of Health.last_img


first_imgJamal Murray led the victory by scoring 20 of his 36 points in the fourth quarter and overtime to lead the Nuggets’ 135-125 win against Utah. Murray sealed the win on a 3-pointer with 46.8 seconds remaining.Nikola Jokic (nee-KOH’-lah YOH’-kihch) finished with 29 points and 10 rebounds in the first game of postseason.Mitchell was 19 of 33 from the floor and 13 of 13 from the free-throw line. He also had seven assists.Mitchell’s scoring spree surpassed the Jazz mark of 50 by Karl Malone on April 22, 2000, against Seattle.In other playoff-opening action: — Luke Voit (voyt) homered twice in the Yankees’ 10th consecutive win over the rival Red Sox, 6-3. Aroldis (ah-ROHL’-dihs) Chapman picked up the save in his return from the COVID-19 injured list, helping New York get its sixth straight victory overall.— Carlos Correa hit a two-run double to back a strong start by rookie Brandon Bielak in the Astros’ fifth win in a row, 2-1 versus the Rangers. Bielak allowed one hit and one run in six innings to move to 3-0.— Nelson Cruz Jr. smacked a pair of solo homers and six pitchers combined on a seven-hitter in the Twins’ 4-1 victory against the Royals. Cruz surpassed Duke Snider and tied Mark Teixeira (teh-SHEHR’-uh) with his 409th career homer, good for 55th all-time.— Tim Anderson and Luis Robert each hit two of the White Sox’s six home runs in a 7-2 decision over the Tigers. Yoan Moncada and Danny Mendick also left the yards for Chicago, which banged out four consecutive home runs in Sunday’s win over the Cardinals.— Hyun Jin Ryu (hyoon jihn ree-OO’) pitched six innings of four-hit ball as the Blue Jays whipped the Orioles, 7-2. Randal Grichuk (GRIH’-chuhk) homered and drove in four runs to back Ryu. — Mississippi starting center Eli Johnson says he won’t play football this season. Johnson announced on Twitter that he’ll sit out the season and focus on completing his master’s degree in criminal justice in December. VIRUS OUTBREAK-SPORTSNo fans at Mercedes-Benz Stadium through Sept.UNDATED (AP) — There will be no fans at Atlanta’s Mercedes-Benz Stadium for NFL and MLS games played in September. The Atlanta Falcons and Atlanta United say the coronavirus pandemic forced the decision. The teams say they will continue to collaborate with local and national health officials before deciding on the possibility for fans in games after September. In other virus-related sports news: UNDATED (AP) — The Tampa Bay Lightning, Boston Bruins and Colorado Avalanche hold three-games-to-one leads in their Stanley Cup first-round series after winning on Monday.Barclay Goodrow and Yanni Gourde (YAH’-nee gohrd) each had a goal and an assist as the Lightning downed Columbus, 2-1. Tampa Bay took control by scoring twice in the first 4:09 of the second period.Andrei Vasilevskiy (va-sih-LEHV’-skee) had 28 saves and blanked Columbus after Cam Atkinson beat him in the middle period, two minutes after Gourde gave the Bolts a two-goal lead.Also in Toronto, Jake DeBrusk scored twice while the Bruins were turning a 2-0, third-period deficit into a 4-3 win over the Hurricanes. Brad Marchand and Connor Clifton also scored in the third for Boston, which outshot the Hurricanes, 16-2 in the final 20 minutes. Justin Williams and Jordan Martinook scored to give Carolina the 2-0 lead before the Bruins ran off four straight goals. The Avalanche coasted to a 7-1 rout of the Coyotes as Nazem Kadri (NA’-zehm KA’-dree) delivered two goals and an assist. Kadri already has five goals and nine points in seven games at the Edmonton bubble. NFL NEWSCowboys newcomer Gerald McCoy out for season with leg injuryUNDATED (AP) — Dallas Cowboys defensive tackle Gerald McCoy is out for the season after tearing the quadriceps tendon in his right leg.McCoy suffered the injury while working out against Antwaun Woods in an individual drill during the first padded practice of training camp.In other NFL news: August 17, 2020 Update on the latest sports Matt Calvert, Cale Makar (mah-KAHR’) and Mikko Rantanen each had a goal and an assist for the Avs, who chased Darcy Kuemper (KEHM’-pur) from the nets after two periods. Philipp Grubauer faced just 15 shots and blanked the Coyotes until Jakob Chychryn (JAY’-kuhn CHIHK’-rihn) scored a power-play goal 13 1/2 minutes into the second period.NHL-PENGUINS-MALKINMalkin undergoes elbow surgeryPITTSBURGH (AP) — Pittsburgh Penguins center Evgeni Malkin has undergone left elbow surgery. The team did not provide specifics on the nature of Malkin’s injury or when it occurred. The 34-year-old Malkin led the Penguins with 74 points during the regular season but was ineffective during a four-game loss to Montreal in the qualifying round of the playoffs. Associated Press MLB-SCHEDULETatis batters RangersUNDATED (AP) — Fernando Tatis (tah-TEES’) Jr. continues to add to his young baseball legacy.The second-year player leads the majors with 11 home runs and 28 RBIs after delivering a three-run shot and a grand slam in the Padres’ 14-4 dismantling of the Rangers. Tatis put the game out of reach with his eighth-inning blast before his bases-loaded bomb capped the Padres’ scoring. The two homers raised his average to .305.Austin Hedges also homered and Jurickson Profar (JUR’-ihk-suhn PROH’-fahr) had two RBIs for San Diego. — The Giants have cut placekicker Chandler Catanzaro, just 16 days after the team signed the veteran following the release of incumbent Aldrick Rosas. New York is in talks with former Carolina Panthers veteran Graham Gano. — Bengals cornerback Trae Waynes had surgery for a torn pectoral muscle, a significant setback to a defense in transition. The Bengals signed Waynes to a three-year deal as a free agent from Minnesota.— The Lions have signed running back Jonathan Williams, adding depth in the backfield behind Kerryon Johnson and rookie D’Andre Swift. Williams has 329 yards rushing on 79 carries with two touchdowns over parts of three seasons with the Colts, Saints and Bills. — The Washington Football Team has hired Jason Wright as team president. He’s the first Black person to hold that position in NFL history and at 38 becomes the league’s youngest team president. Wright spent seven years as an NFL running back, was an Arizona Cardinals captain and their Players Association representative. COLLEGE FOOTBALL Share This StoryFacebookTwitteremailPrintLinkedinRedditNBA-PLAYOFFSMitchell’s 57 not enough vs. NuggetsLAKE BUENA VISTA, Fla. (AP) — Donovan Mitchell shattered the Utah Jazz playoff record for points in a game as the NBA embarked on its bubble playoffs near Orlando. But his 57-point performance wasn’t enough for the Jazz to avoid a loss to the Denver Nuggets. Six of the top eight women in the WTA rankings won’t play in New York, including No. 1 Ash Barty and defending champion Bianca Andreescu. K-State OK’d for 25% capacity for football gamesUNDATED (AP) — Auburn football coach Gus Malzahn says his players have had 33 positive tests for COVID-19 this summer. Malzahn says his Tigers had no positive tests last week, but four players are still going through the testing protocols. He added that the school has administered 863 tests among players, an average of more than seven times each. In other college football news:— Kansas State will allow 25% capacity at its football stadium for games this season after getting approval Monday from the county commission. That means a maximum crowd of just under 15,000 fans. — Fred VanVleet scored 30 points and led the Toronto Raptors’ sizzling 3-point attack in a 134-110 romp over Brooklyn. The defending champs were 22 of 44 from beyond the arc, with VanVleet hitting eight of his 10 attempts. Toronto’s accuracy from beyond the arc helped the Raptors grab a 68-35 lead with less than five minutes left in the first half. Serge Ibaka (ih-BAH’-kah) scored 22 points off the bench for the Raptors, while Pascal Siakam (see-AK’-ihm) had 18 points and 11 rebounds.— Jayson Tatum had career playoff highs of 32 points and 13 rebounds to guide the Celtics to a 109-101 victory over the 76ers. Tatum scored 15 points in the second quarter to give the Celtics a 55-49 lead at halftime. Kemba Walker added 19 points for the Boston, which scored 16 points off Philadelphia’s 13 turnovers. Joel Embiid (joh-EHL’ ehm-BEED’) had 26 points and 16 rebounds for the 76ers, who nearly pulled off the win while All-Star guard Ben Simmons sits out indefinitely after left knee surgery. — Kawhi (kah-WY’) Leonard had 29 points and 12 rebounds, and the Clippers got a big boost from the ejection of Kristaps Porzingis (KRIHS’-tahps pohr-ZIHN’-gihz) to beat the Mavericks. 118-110. Los Angeles pulled into the lead when Porzingis was ejected for picking up his second technical foul in the third quarter. Paul George added 27 points and Marcus Morris had 19 for the Clippers. Dallas lost despite 42 points, nine assists and seven rebounds from Luka Doncic (DAHN’-chihch). NHL PLAYOFFS-SCHEDULEBolts, B’s, Avs up 3-1 Elsewhere in the majors:— Brad Miller hit a tiebreaking two-run double in the seventh inning of the Cardinals’ 3-1 win over the Cubs in Game 1 of a doubleheader. St. Louis improved to 3-1 since it returned Saturday after a coronavirus outbreak derailed their season, leaving them idle for weeks and resulting in 18 confirmed cases in the organization.— The Cubbies ended the season-worst, four-game skid in the nightcap as David Bote (BOH’-tee) belted a three-run homer in a four-run sixth that pushed them to a 5-4 victory. St. Louis wasted a big performance by Miller, who homered twice and drove in three runs in Game 2.— Dansby Swanson slammed a two-out, two-run homer in the bottom of the ninth to cap the Braves’ four-run rally against Daniel Hudson in a 7-6 triumph over the Nationals. Washington led 6-3 in the ninth until Adam Duvall hit a two-run shot.— Pete Alonso and Robinson Cano (kah-NOH’) each homered twice as the Mets crushed the Marlins, 11-4 to end a three-game losing streak. Alonso and Cano each had three of New York’s 14 hits. — The Canadian Football League has canceled its 2020 season because of the pandemic. The decision marks the first year since 1919 the Grey Cup won’t be awarded. TENNIS – US OPENHalep opts out of U.S. OpenNEW YORK (AP) — Simona Halep (see-MOH’-nah HA’-lehp) will skip the U.S. Open, saying she wants to put her health first amid the coronavirus pandemic. Halep is a former top-ranked player who is currently No. 2. She won the title in Prague on Sunday. last_img read more