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WSFS Bank, the primary subsidiary of WSFS Financial Corporation, launched the WSFS Down Payment Grant Program on Monday April 18 , which will off <a href=https://www.stanleycups.co.nz>stanley thermos er grants of up to $10,000 to support eligible homebu stanley termos yers, totaling $3 million in the next three years.According to a press release, the goal of the WSFS Down Payment Grant Program is to provide additional access to down payment and closing cost funds for primary residence purchases for eligible stanley mug borrowers in eligible census tracts. This program is an opportunity for borrowers who would otherwise have difficulty affording some of the up-front home purchase expenses to now cover some of these costs, said Ron Dutton, senior vice president, director, community reinvestment for WSFS Bank. Combined with WSFS initiatives like the Neighborhood Opportunity Program, as well as government-funded resources, were committed to helping buyers with low and moderate income in eligible geographic areas use these grants to find their dream home, he continued.Eligible WSFS Down Payment Grant applicants must have a total household income at 80% or below the Area Median Income AMI , and the property which they are looking to buy must be located in Majority-Minority Census Tracts MMCT within several counties in Delaware, New Jersey and Pennsylvania.WSFS Down Payment Grant recipients dont have to pay back the money and can combine them with other down payment assistance programs, including the First Front Door Down Payment Assistance Program, Fannie Qihy Report: Stripe Hires Attorney For IPO Prep
The recent news that Apple was opening up its mobile ad network, iAd, could give Apple Pay a new edge with marketers.A Marketing Land article examines how Apple decision聽to partner with leading ad tech firms is the first step into mobile advertising, a move that could pos <a href=https://www.stanleycups.cz>stanley quencher ition Apple to compete with Facebook. Partners for the mobile ad network include: Accordant Media, Adelphic, AdRoll, GET IT Mobile, MediaMath, Ruicon, Tapsense, and The Trade Desk. These partnerships will allow the firms to聽automate ad buys through Apple APIs and work across more than 250,000 iOS apps, the article reported.So what does that have to do with payments Apple Pay, of course. Marketing Land talked with Benjamin Witte,聽AdRoll head of mobile growth, who explained what role the payments platform could have in positioning Apple against Facebook.In the long term, Witte sees Apple Pay playing a role in attribution and closing the loop for marketers on the iAd platform, the article quoted Witte. Hes also looking forward to seeing what types of attributi stanley cup on and analytics retailers that use Apple Pay will get access to as the payment program evolves. Witte also notes that the launch of Apple Pay has brought wider consumer and retail awareness about mobil stanley usa e payment capabilities generally, and Google is capitalizing on this surge in awareness to drive growth for Google Wallet. Mobile commerce could be at an inflection point, says Witte, adding that these developments are go

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Risk management startup Effectiv raised $4 million in a seed funding round led by Accel and REV, according to a press release emailed to PYMNTS on Tuesday March 29 .聽聽Offering a next-generation, no-code risk management platform for mid-sized banks, credit unions, FinTechs and financial institutions, Effectivs solutions are powered by artificial intelligence AI . Its intuitive in <a href=https://www.stanley-cups.it>stanley cup terface aims to significantly lower costs associated with fraud and risk and enables its users to quickly adapt to the latest trends.聽 Dialogues with industry experts from banks, credit unions, combined with our teams decades of experience in this space, helped us validate the gap that we saw in the market, said Ravi Sandepudi, co-founder and CEO of Effectiv.聽 Cutting-edge technologies that drive Effectiv have so far been prohibitively expensive and were designed for and by large organizations. Effectiv aims to change that and truly democratize AI-driven risk management, making it accessible to any financial institution. Every organization, regardless of size, should have access to best-in-class safety measures to protect their members and customers, Sandepudi sai stanley germany d.Related: A Connected Economy Requires Connected Risk ManagementThe fresh infusion of capital will be used to advance Effectivs technology, expand its workforce and widen its marketing scope. The startup onboarded its first client in June 2021 and has processed more than $1 billion in loan volume, according to the release.Co-found stanley uk ed in 20 Ohkg Procurement, Digital Banking See VC Funding Rounds
Publishing giant Cond茅 Nast 鈥?owner of GQ, Vogue and Vanity Fair 鈥?will be shutting down Style for good, according to reports this morning, after only nine months of being out on the market.In a statement released yesterday, the firm confirmed that Style 鈥?a multi-brand eCommerce site where聽Cond茅 Nast has reportedly already invested over $100 million 鈥?will be shut down effective immediately.Style shoppers 鈥?such as there are any 鈥?will be redirected to the site聽of its new partner, Farfetch, a rapidly growing online marketplace f <a href=https://www.stanleycup.pl>stanley cup or high-end boutiques in which Cond茅 Nast was an early investor. Our experience with Style taught us that content is a powerful driver of commerce, and the combination of great editorial with a great shopping experience creates a great user experience and revenue upside, said Matt Starker, the general manager of digital strategy at Cond茅 Nast. He acknowledged, however, that the skill sets required to create content and those requ stanley fr ired to run a seamless shopping site were different.The move toward eCommerce came for Cond茅 as publishing has become a much more thinly capitalized and much more competitive space where anyone with an internet connection and a digital camera can fancy themselves an online publisher. Style was the firms most heavily hyped attempt at rethinking mon stanley kubek etization with an eCommerce marketplace all their own 鈥?but rumor has it the re-imagining of Style suffered from being better in theory than in practice nearly from the word go.The i

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Peer-to-peer P2P payments are exploding.P2P payment network Zelles Q3 results show聽its year-over-year payment values rose by 58 percent, while transaction volume increased by 73 percent. During the quarter, $49 billion was sent through the Zelle Network in 196 million transactions. Today, one in two adults with a U.S. bank account have access to Zelle in their mobile banking app, Lou Anne Alexander, group p <a href=https://www.cup-stanley-cup.ca>stanley mug resident, payments solutions at Zelle operator Early Warning, said in a聽press release. stanley termoska Last month, Bank of America聽revealed聽that it saw a 76 percent year-over-year increase in Zelle payments in Q3. During the quarter, consumers made 80.8 million payments worth $20.8 billion using Zelle 鈥?and that number is expected to grow as we head into the 2020s.Demand for instant payments is growing in the U.S., where 42.2 percent of consumers received at least one instant disbursement within the past year. This marks a massive increase from the 11 percent who said the same just two years ago.In the latest Disbursements Tracker, PYMNTS analyzes the impact of instant payments and disbursements in a variety of use cases and industries, as well as how payment innovation continues to grow and change in accordance with consumers disbursements needs.Instant Payment InnovationsZelle competitor Venmo is also on the rise. By Q3 measures, Venmo was up 64 percent year over year. Venmo has聽also been adding features to different stanley hrnek iate itself, such as rolling out a cash-back rewards program for its V Tcbo Canada Sees Increase in Mobile Deposits
Discount supermarkets in Europe are findings it increasingly difficult to compete on the food products they sell, so theyre turning their attention to another, more profitable consumer staple: clothing. And a price war appears to be underway that is affecting margins there as well.Non-food items such as clothing typically generate only <a href=https://www.stanleycup.fr>stanley mug 20 percent to 30 percent of a supermarkets sales per square foot. However, stanley cup the gross profit margin from such sales can be 40 percent to 50 percent, double that of groceries, according to the Financial Times.A recent Times article notes that grocers with hypermarkets, including Tesco and Frances Carrefour, have faced particular margin difficulty from a reduction in nonfood sales. Thats because of a movement toward more local shopping and a migration to online specialty retailers, especially in electronics.But clothing shows promise, as it not only has a greater profit margin than food, but its sales at such stores also are rising quickly in the region. Clothing sales rose 30 percent between 2008 and 2013 at supermarket groups, according to retail consultancy Conlumino. Apparel is growing rapidly in UK food retail. Its one of the few bright spots in non-food for the Big Three supermarkets, analysts at Morgan Stanley said in a recent note, cited by the Times. As a result, competitio stanley cup n is up in the sector.For example, the article noted, Germanys Lidl Aldi have shaken up the UK market, putting pressure on companies such as Tesco, which recently ente

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With the agility and flexibility of direct-to-consumer D2C eCommerce stores, shoppers are turning to the channel to funnel their enthusiasm for seasonal moments into buying.In an interview with PYMNTS, Jim Munson, CEO of coffee brand Brooklyn Roasting Company which operates across D2C and third-party eCommerce channels as well as a handful of New York City stores , noted that seasonal product launches have been key to building the companys D2C eCommerce following. I think consumers appreciate and respond to things like seasonal offers 鈥?alignment with their real-life calendar and fun products that <play>into that], he said. We might have a new roast for the springtime or for the holidays. Communicating that clearly to customers online is an important element of developing that <following>. Overall, D2C is on the rise, with younger consumers disproportionate <a href=https://www.cups-stanley.uk>stanley cup ly likely to turn to the channel, according to the PYMNTS Intelligence report The Online Features Driving Cons stanley kubek umers to Shop With Brands, Retailers or Marketplaces created in collaboration with Adobe. The study, which drew from a survey of more than 3,500 U.S. consumers, found that Gen Z online shoppers were the most likely to want to buy directly from a brand and the least likely to prefer shopping via merchants online stores.Specifically, 43% of Gen Z consumers said they defini stanley quencher tely or probably prefer a brands own online store 鈥?above the 28% of the population as a whole that said the same. Plus, 24% of consumers tur Lcwl Grocers, PayTech Firms Partner to Drive Connected Retail Experience
Square hasnt been shy about its efforts to provide new services for businesses in the back office, from payroll to financing. But with the companys recent public debut, scrutiny has hit a new level for Square, and it can do little to keep anything quiet.Case in point: Recent Re/code reports noted that Square has not once, but twice hiked fees for businesses using Square Cash, which helps businesses get paid via the corporate version of Squares P2P money transfer service.<bctt>tweet=Square has not once, but twice hiked fees for businesses using Square Cash.]According to reports, Square hiked the payment processing fee to 2.75 percent earlier this month after raising it over the summer to 1.9 percent. Square Cash for Business was once a free service and began as a way for small businesses and independent contractors to get paid through a method other than cash or check <a href=https://www.stanleycups.us>stanley website .Reports note that the 2.75 percent fee is the same charged to businesses using the companys main stanley usa payment processing service, its card reader. However, the reports also note that Square has not made clear how it will attract new business users of the service that once was offered to consumers without processing charges and initially offered to businesses with a 1.5 percent fee .In addition to introducing Square Cash for Business, Squa stanley mugs re has launched other ways to help SMEs manage working capital, most notably through Square Capital, its small business lending service. Earlier this year Square pointe

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Theres a lot going on for merchants today, and they have a lot to juggle, Saurabh Chopra, head of product, U.S. debit, prepaid and real-time payments at Visa, told PYMNTS.The juggling act includes everything from running core operations to attracting and acquiring new customers.And once those customers have been acquired, its imperative to keep them engag <a href=https://www.cups-stanley-cups.us>stanley usa ed, incentivizing them to make incremental purchases, reward their loyalty and ensure they have an optimal experience while shopping online, Chopra said.The optimal experience includes high authorization rates and minimal false declines with as little fraud as possible in the mix. You want to make sure that the transaction goes through with no hiccups, and goes through as quickly as possible, he said.In the meantime, consumers expectations of their preferred merchants are changing. The value individuals desire extends beyond the confines of rewards poin stanley mug ts. They want the interactions to be fun and specific. Visas own stats revealed that 60% of consumers want a curated experience as they browse and buy, Chopra said.For example, Visa launched its customer loyalty Web3 engagement platform powered by SmartMedia Technologies to create curated experiences and offers for consumers. With the solution, merchants can apply gamified rewards, digital coupons, event access and immersive augmented reality experiences to customers digital wallets.These are not easy tasks, and merchants are looki stanley mugs ng to the payments networks, Visa included, Nmuk China s Bank Watchdog Goes After Supply Chain Finance Fraud
In an age where international commerce and trade deals may be under a regulatory microscope as never before, Reuters reported that a number of insurers have started to offer up protection that covers cross-border deals, focusing on Chinese companies that are looking to expand in the United States.The newswire reported that the first firm to offer such insurance has been Britains Aon Plc, which, along with subsequent entrants, such as Jardine Lloyd Thompson Group, has targeted companies where proposed expansion might face stumbling blocks once in the sights of the U.S. Committee on Foreign Investment.That committee, said the newswire, is a part of the Treasury Department that examines deals under a prism of national <a href=https://www.stanleycup.pl>stanley kubek s stanley cup ecurity. In the event that deals are scuttled, oftentimes, sellers insist that the Chinese firms buying those U.S. businesses pay what is known as a reverse breakup fee. Such insurance may see accelerated adoption, as President-elect Donald Trump throws some uncertainty on the international corporate stage. The pace of outbound mergers and acquisitions has doubled in 2016 from a year earlier, said Reuters, to as much as $196 billion, and of that tally, 30 percent of deals have found their targets in the United States. Thus far, the aforementioned insur stanley usa ance has been used across a dozen deals, Reuters reported.

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The great post-pandemic food reversion is underway, where consumers are doing a lot more dining out and celebrating, and a lot stanley mug less panic-eating Lucky Charms in the kitchen at 2 a.m. than they were a year ago.For General Mills, whose portfolio boasts eight different $1B+ brands, including Betty Crocker, Cheerios, Pillsbury and Old El Paso, that shift saw its latest sales results drop 10 percent for the three months ending May 30, the company reported on Wednesday June 30 .Still, the company said that while the year ahead will see a decline in demand for at-home food products, it will still remain higher than before the pandemic. Although in some corners, people thought demand would kind of fall off a cliff when people started going back to the office again, returning to normal pre-pandemic, we actually stanley us think some of these behaviors will be sticky, and thats what we have seen, General Mills CEO Jeff Harmening said on a call with analysts. He later specified, More people are going to work from home more often than go into the office every day, and were fairly certain that that is here to stay 鈥?[also,] many millennials have really gained cooking skills and baking skills and newfound confidence in the kitchen, and theyve found that they can save money while d stanley nz oing it. The meals and baking category in the U.S. saw the most dramatic decline in sales, falling 30 percent in the quarter 鈥?which makes sense, in light of the stress-induced baking trend in the first few months of qu Trul How MasterCard Helps Issuers Capture Affluent Travel Spend
The Consumer Financial Protection Bureau CFPB warned credit card companies not to mask hidden charges associated with low promotional interest rates, according to American B kubki stanley anker.In a bulletin issued Wednesday Sept. 3 , the agency specifically targeted issuers that offer low or zero interest rate promotions without clearly disclosing that interest rates could be hiked or that sudden charges could result from adding new purchases before the total balance is paid off.In October, the CFPB estimated that consumers made millions of promotional balance transfers in 2013, and about 43 percent of borrowers with sub stanley mug prime credit scores were eventually hit with a retroactive interest charge.Examinations of large banks and credit card issuers indicate that some companies may be failing to adequately explain the terms of certain interest-rate promotional offers, leaving consumers confused about why they are incurring new interest charges on their purchases, the agency said in the bulletin.The bulletin added that issuers should use adequate measures to prevent violation of federal consumer financial laws, including the Dodd-Frank Act prohibitions o stanley france n unfair, deceptive, or abusive acts or practices and to implement internal controls sufficient to ensure that they market promotional APR offers in a manner that limits the risk of statutory or regulatory violations and related consumer harm.