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Select Sector SPDR ETFs: A Strategic Approach to Precision Investing and Customized Portfolios

Select Sector SPDR

In the dynamic world of investing, Exchange-Traded Funds ( ETFs ) have proved to be a powerful tool for investors seeking diversification, flexibility, and potentially a more sector-driven approach. Select Sector SPDR ETFs offer a focused approach to sector investing, enabling investors to specifically target sectors within the broader market. This method of investment strategy is designed to arm investors with greater control and flexibility over their portfolios. Select Sector SPDR ETFs segment the S&P 500 into 11 investable sectors, covering all broad market segments. They provide access to various industries, allowing investors to craft a diversified portfolio that aligns with their unique investment goals. This approach presents an excellent opportunity for both individual and institutional investors to effectively navigate the financial markets. Each ETF comprises well-known, large-cap companies from the S&P 500, ensuring broad exposure and diversification. The transparent nature of ETFs allows for daily disclosure of portfolio holdings and weightings, providing investors with visibility into their investments. The full lineup of Select Sector SPDR ETFs includes: Communication Services Select Sector SPDR Fund (XLC) Consumer Discretionary Select Sector SPDR Fund (XLY) Consumer Staples Select Sector SPDR Fund (XLP) Energy Select Sector SPDR Fund (XLE) Financials Select Sector SPDR Fund (XLF) Health Care Select Sector SPDR Fund (XLV) Industrials Select Sector SPDR Fund (XLI) Materials Select Sector SPDR Fund (XLB) Real Estate Select Sector SPDR Fund (XLRE) Technology Select Sector SPDR Fund (XLK) Utilities Select Sector SPDR Fund (XLU) These ETFs provide flexible, transparent, and low-cost investment options to both retail and institutional investors. The flexibility offered by these ETFs empowers investors to make strategic adjustments in their portfolios as market conditions change. This flexibility, combined with the transparency of daily disclosure of portfolio holdings, allows investors to always be aware of where their money is invested. Select Sector SPDR ETFs offer a unique opportunity to invest in various sectors with precision and flexibility. They provide a simplified approach to sector investing, allowing investors to customize their portfolios to meet their specific investment objectives. DISCLAIMER: This is a work of research and should not be taken as investment or financial advice. Therefore, Select Sector SPDRs or the publisher is not liable for any decision made based on the publication. About the Company: Select Sector SPDR ETFs offer flexibility and customization opportunities. Many investors have similar outlooks, but no two are exactly alike. Select Sector SPDR ETFs let investors select the sectors that best meet their investment goals. DISCLOSURES The S&P 500 Index is an unmanaged index of 500 common stocks that is generally considered representative of the U.S. stock market. The index is heavily weighted toward stocks with large market capitalizations and represents approximately two-thirds of the total market value of all domestic common stocks. The S&P 500 Index figures do not reflect any fees, expenses or taxes. An investor should consider investment objectives, risks, fees and expenses before investing. One may not invest directly in an index. Transparent ETFs provide daily disclosure of portfolio holdings and weightings All ETFs are subject to risk, including loss of principal. Sector ETF products are also subject to sector risk and nondiversification risk, which generally will result in greater price fluctuations than the overall market. Diversification does not eliminate risk. An investor should consider investment objectives, risks, charges and expenses carefully before investing. To obtain a prospectus, which contains this and other information, call 1-866-SECTOR-ETF (732-8673) or visit www.sectorspdrs.com. Read the prospectus carefully before investing. ALPS Portfolio Solutions Distributor, Inc., a registered broker-dealer, is distributor for the Select Sector SPDR Trust. Media Contact: Company: Select Sector SPDRs Contact: Dan Dolan* Address: 1290 Broadway, Suite 1000, Denver, CO 80203 Country: United States Email: dan.dolan@sectorspdrs.com Website: https://www.sectorspdrs.com/ *Dan Dolan is a Registered Representative of ALPS Portfolio Solutions Distributor, Inc. ALPS Portfolio Solutions Distributor, Inc., a registered broker-dealer, is the distributor for the Select Sector SPDR Trust. SEL007439 EXP 5/31/24 Contact Details Dan Dolan +1 203-935-8103 dan.dolan@sectorspdrs.com Company Website https://www.sectorspdrs.com/

April 12, 2024 05:00 AM Eastern Daylight Time

kevin. Triumphs with First Account-to-Account NFC iPhone Transaction

kevin.

New York, NY – In a groundbreaking event set to disrupt the in-store payment landscape, kevin., a pioneer in payment technology, has successfully conducted the first-ever account-to-account NFC transaction on an iPhone. Video of transaction: link In a financial world where convenience and security are paramount, kevin. has established a new pinnacle by executing the first non-Apple Pay account-to-account near-field communication (NFC) payment on an iPhone. This technological leap forward follows the European Commission’s pressure on Apple to democratize NFC access. It comes after years in which Apple's strict control over NFC technology in iOS devices had stifled third-party competition. Pavel Sokolovas, co-founder of kevin., articulates the magnitude of this moment: “Breaking through the final barriers of NFC payments on iOS devices represents a true watershed moment. We’re immensely proud to be the first to provide account-to-account transactions using Apple’s NFC, giving consumers the power to choose how they pay.” In January 2022, kevin. made waves by enabling this innovative payment method for Android users, a move lauded for its originality and drive towards an open payment ecosystem. Now, with regulatory changes in stride, kevin. swiftly attained authorization under Apple's NFC Entitlement Program and embarked on development in their controlled environment. Just six weeks following Apple's program launch, kevin. celebrated the successful execution of the experimental transaction in development mode, setting the stage for what could revolutionize Point of Sale (POS) interactions. Sokolovas outlined the technical journey: “We’ve been rigorously developing within Apple’s architectural framework. Our team worked tirelessly to integrate our kevin. technical solution within Apple host card emulation (HCE), including security standards, transaction validation and so much more to create a seamless experience allowing users transactions from within their banking or wallet apps.” The European Commission continues to monitor feedback from early developers like kevin. while anticipating the official commencement of broader NFC implementation. This scrutiny underscores the Commission's dedication to nurturing innovation and equitable competition in the mobile payment sphere. Looking ahead, the industry anticipates a surge in similar payment solutions following this initial success. kevin. has indeed set a dominant precedent, promising an open market where consumers are no longer limited by device-specific payment platforms — a fundamental reshaping of how transactions are conducted worldwide. kevin. is a visionary technology firm reshaping payment systems for tomorrow’s needs. From their global headquarters in Europe to the recent expansion into the bustling financial hub of Dubai, kevin.’s mission has been consistent: to offer reliable end-to-end technology and significant savings on transaction fees without changing the way people pay. The introduction of their multi-tenant, brand-agnostic payment acceptance network marks a significant shift for consumers and businesses alike, granting autonomy and value unimpeded by the constraints of legacy technology. Download: Kevin logo, image of Pavel Sokolovas and iOS transaction video: link About kevin. kevin. is a pioneering technology firm on a mission to revolutionize legacy payment systems. With a newly built infrastructure, kevin. makes transactions more efficient, secure, and convenient for both digital and physical sales. The company's multi-tenant payments acceptance network is white-label, brand-agnostic, and intermediary-free, offering partners complete control of their in-store payment processes. This empowers them to unlock greater value through new services, enhanced conversion rates, and strengthened customer loyalty. The kevin. network redefines international payments, ensuring a seamless, secure account-to-account NFC payment infrastructure for POS terminals worldwide. This innovation offers a 'tap and go' experience, compatible with both Android and iOS devices, making international payments as familiar as local ones. kevin. is backed by Accel, Eurazeo and other investors, including OTB Ventures, Speedinvest, Open Ocean, and Global Paytech Venture. Commitment to the Ecosystem kevin.'s goal is to empower all players in the payment ecosystem, including banks, digital wallets, retailers, and others. The company enables these entities to launch their own independent non-card schemes or to expand their services by connecting with an existing network on the kevin. platform. Contact Details NettResults Public Relations Nick Leighton +1 949-478-5880 nick.leighton@nettresultsLLC.com Company Website https://www.kevin.eu/

April 11, 2024 10:45 AM Eastern Daylight Time

Claravine Named “Metadata Management Solution of the Year” at 2024 Data Breakthrough Awards

Claravine

Claravine, The Data Standards Company, has been named the Metadata Management Solution of the Year at the 2024 Data Breakthrough Awards. Chosen from more than 2,250 competitive global nominations, Claravine’s The Data Standards Cloud aims to give people, teams and technology a shared understanding of their data by standardizing taxonomies, naming conventions and metadata across all digital experiences from creative to measurement and optimization. Claravine empowers a proactive approach to marketing measurement by activating data standards across people and technology. Used by Fortune 1000 companies such as Carhartt and Under Armour, Claravine’s collaborative user interface and strategic integrations with top marketing and advertising platforms enables global organizations to define, apply and connect standards across their ecosystem for faster decisions, greater agility and increased return-on-investment (ROI) for their digital advertising dollars. “Being recognized as the Metadata Management Solution of the Year underscores our unwavering commitment to revolutionizing the marketing data landscape. This prestigious award stands as a testament to our efforts in simplifying marketing data and empowering teams to scale their operations seamlessly and effectively,” said Verl Allen, CEO of Claravine. “This milestone showcases the team’s work and dedication to leading the industry in data standards and metadata for marketing teams.” As first-party data becomes a paramount cookie alternative and issues spurred by generative AI continue to impact the content supply chain, Claravine sits at the root of successful outcomes for brands and marketers. To further ease data usage, Claravine continues to substantially expand its integration library and be compatible with major platforms powering digital advertising, including measurement solutions, creative optimization and customer data. The Data Breakthrough Awards program aims to deliver the most comprehensive analysis of the data technology industry each year. With over 2,000 nominations from all over the world, the 2024 program’s evaluation was broad and extremely competitive. In addition to being named to Metadata Management Solution of the Year, Claravine was recognized for the second consecutive time as an AdExchanger Programmatic Power Player, as well as the 2022 AdExchanger Award winner for Best Data Technology. Claravine was also named a cool vendor in the 2022 Gartner Cool Vendors in Marketing Data and Analytics report. About Claravine Claravine is The Data Standards Company aiming to give people, teams and technology a shared understanding of their data. Claravine helps brands and agencies deliver on the promise of modern marketing by standardizing taxonomies, naming conventions, and metadata across all digital experiences at the source of data creation. The Data Standards Cloud empowers a proactive approach to marketing metadata naming conventions and taxonomy for fast, accurate and rich business insights that help deliver the experiences customers want. Claravine partners with a quarter of the Fortune 100 to define, apply and connect standards across their ecosystem for faster decisions, greater agility, and increased ROI. For more information, visit www.claravine.com. Contact Details Kite Hill PR Michael Kocher +1 704-960-2295 michael@kitehillpr.com Company Website https://www.claravine.com/

April 11, 2024 09:12 AM Eastern Daylight Time

kevin. triumphiert mit der ersten NFC-Transaktion von Konto zu Konto auf dem iPhone

kevin.

In einem bahnbrechenden Ereignis, das die Zahlungslandschaft in Geschäften durcheinanderbringen wird, hat kevin., ein Pionier in der Zahlungstechnologie, die erste jemals durchgeführte NFC-Transaktion von Konto zu Konto auf einem iPhone erfolgreich abgewickelt. Video der Transaktion: Link In einer finanziellen Welt, in der Bequemlichkeit und Sicherheit von größter Bedeutung sind, hat kevin. einen neuen Höhepunkt erreicht, indem er die erste nicht-Apple-Pay NFC-Zahlung von Konto zu Konto auf einem iPhone ausgeführt hat. Dieser technologische Sprung nach vorne folgt dem Druck der Europäischen Kommission auf Apple, den NFC-Zugang zu demokratisieren. Es kommt nach Jahren, in denen Apples strenge Kontrolle über die NFC-Technologie in iOS-Geräten den Wettbewerb Dritter gedrosselt hatte. Pavel Sokolovas, Mitbegründer von kevin., drückt die Tragweite dieses Moments aus: „Der Durchbruch der letzten Barrieren von NFC-Zahlungen auf iOS-Geräten stellt einen wahren Wendepunkt dar. Wir sind ungemein stolz, die Ersten zu sein, die Transaktionen von Konto zu Konto unter Verwendung von Apples NFC ermöglichen, und geben den Verbrauchern damit die Macht zu wählen, wie sie bezahlen.“ Im Januar 2022 sorgte kevin. für Aufsehen, indem diese innovative Zahlungsmethode für Android-Nutzer ermöglicht wurde, ein Schritt, der für seine Originalität und seinen Antrieb hin zu einem offenen Zahlungsökosystem gelobt wurde. Jetzt, mit den regulatorischen Änderungen im Gleichschritt, erlangte kevin. schnell die Autorisierung unter Apples NFC-Berechtigungsprogramm und begann mit der Entwicklung in ihrer kontrollierten Umgebung. Nur sechs Wochen nach dem Start von Apples Programm feierte kevin. die erfolgreiche Durchführung der experimentellen Transaktion im Entwicklungsmodus und ebnete damit den Weg für eine Revolution der Interaktionen am Point of Sale (POS). Sokolovas umriss die technische Reise: „Wir haben rigoros innerhalb von Apples Architekturrahmen entwickelt. Unser Team arbeitete unermüdlich daran, unsere technische Lösung von kevin. in die Host-Card-Emulation (HCE) von Apple zu integrieren, einschließlich Sicherheitsstandards, Transaktionsvalidierung und so vielem mehr, um ein nahtloses Erlebnis zu schaffen, das Benutzern Transaktionen innerhalb ihrer Bank- oder Wallet-Apps ermöglicht.“ Die Europäische Kommission setzt die Überwachung des Feedbacks von Frühentwicklern wie kevin. fort, während sie den offiziellen Beginn einer breiteren NFC-Implementierung erwartet. Diese Prüfung unterstreicht das Engagement der Kommission, Innovation und gerechten Wettbewerb im Bereich mobiler Zahlungen zu fördern. Mit Blick auf die Zukunft erwartet die Branche einen Anstieg ähnlicher Zahlungslösungen nach diesem anfänglichen Erfolg. kevin. hat tatsächlich einen dominierenden Präzedenzfall gesetzt, der ein offenes Marktversprechen macht, in dem Verbraucher nicht länger auf plattformspezifische Zahlungssysteme beschränkt sind – eine grundlegende Umgestaltung der Art und Weise, wie Transaktionen weltweit durchgeführt werden. kevin. ist ein visionäres Technologieunternehmen, das Zahlungssysteme für die Bedürfnisse von morgen neu gestaltet. Von ihrem globalen Hauptsitz in Europa bis zur jüngsten Expansion in den pulsierenden Finanzknotenpunkt Dubai, kevins Mission war stets konsequent: zuverlässige End-to-End-Technologie und signifikante Einsparungen bei Transaktionsgebühren anzubieten, ohne die Art und Weise zu ändern, wie Menschen bezahlen. Die Einführung ihres mandantenfähigen, markenagnostischen Netzwerks zur Zahlungsannahme markiert eine bedeutende Verschiebung für Verbraucher und Unternehmen gleichermaßen und gewährt Autonomie und Wert, unbeeinträchtigt durch die Beschränkungen überkommener Technologie. Download: Kevin-Logo, Bild von Pavel Sokolovas und iOS-Transaktionsvideo: Link - ende - Über kevin. kevin. ist ein wegweisendes Technologieunternehmen mit der Mission, veraltete Zahlungssysteme zu revolutionieren. Mit einer neu errichteten Infrastruktur macht kevin. Transaktionen effizienter, sicherer und bequemer für digitale und physische Verkäufe. Das mandantenfähige Zahlungsannahmenetzwerk des Unternehmens ist markenneutral, weiß beschriftet und ohne Vermittler und bietet Partnern die vollständige Kontrolle über ihre Zahlungsprozesse im Geschäft. Dies befähigt sie, durch neue Dienste, verbesserte Konversionsraten und gestärkte Kundenloyalität größeren Wert freizuschalten. Das kevin.-Netzwerk definiert internationale Zahlungen neu und gewährleistet eine nahtlose, sichere NFC-Zahlungsinfrastruktur von Konto zu Konto für POS-Terminals weltweit. Diese Innovation bietet ein „Tap and Go“-Erlebnis, kompatibel mit Android- und iOS-Geräten, und macht internationale Zahlungen ebenso vertraut wie lokale. kevin. wird von Accel, Eurazeo und anderen Investoren unterstützt, einschließlich OTB Ventures, Speedinvest, Open Ocean und Global Paytech Venture. Engagement für das Ökosystem Das Ziel von kevin. ist es, alle Akteure im Zahlungsökosystem zu stärken, einschließlich Banken, digitalen Wallets, Einzelhändlern und anderen. Das Unternehmen ermöglicht es diesen Entitäten, ihre eigenen unabhängigen Nicht-Karten-Schemata zu starten oder ihre Dienste durch Verbindung mit einem bestehenden Netzwerk auf der kevin.-Plattform zu erweitern. Contact Details NettResults Public Relations Nick Leighton +1 949-478-5880 nick.leighton@nettresultsLLC.com Company Website https://www.kevin.eu/

April 11, 2024 07:50 AM Eastern Daylight Time

kevin. trionfa con la prima transazione NFC da conto a conto su iPhone

kevin.

In un evento all'avanguardia destinato a sconvolgere il panorama dei pagamenti in negozio, kevin., pioniere nella tecnologia dei pagamenti, ha condotto con successo la prima transazione NFC da conto a conto su un iPhone. Video della transazione: link In un mondo finanziario dove la comodità e la sicurezza sono fondamentali, kevin. ha stabilito un nuovo apice eseguendo il primo pagamento NFC da conto a conto non-Apple Pay su un iPhone. Questo salto tecnologico segue la pressione della Commissione Europea su Apple per democratizzare l'accesso al NFC. Ciò avviene dopo anni in cui il controllo rigido di Apple sulla tecnologia NFC nei dispositivi iOS aveva soffocato la concorrenza di terze parti. Pavel Sokolovas, cofondatore di kevin., esprime l'importanza di questo momento: "Superare le ultime barriere dei pagamenti NFC su dispositivi iOS rappresenta un vero momento di svolta. Siamo immensamente orgogliosi di essere i primi a fornire transazioni da conto a conto utilizzando il NFC di Apple, dando ai consumatori il potere di scegliere come pagare." Nel gennaio 2022, kevin. ha fatto parlare di sé abilitando questo metodo di pagamento innovativo per gli utenti Android, una mossa lodata per la sua originalità e il suo impulso verso un ecosistema di pagamento aperto. Ora, con i cambiamenti normativi in corso, kevin. ha rapidamente ottenuto l'autorizzazione nell'ambito del Programma di NFC di Apple e si è impegnato nello sviluppo nel loro ambiente controllato. A solo sei settimane dal lancio del programma di Apple, kevin. ha festeggiato l'esecuzione riuscita della transazione sperimentale in modalità di sviluppo, preparando il terreno per ciò che potrebbe rivoluzionare le interazioni al punto vendita (POS). Sokolovas ha delineato il percorso tecnico: "Abbiamo sviluppato rigorosamente all'interno del quadro architettonico di Apple. Il nostro team ha lavorato incessantemente per integrare la nostra soluzione tecnica kevin. nell'emulazione di carta host (HCE) di Apple, inclusi standard di sicurezza, validazione delle transazioni e molto altro per creare un'esperienza senza soluzione di continuità consentendo transazioni agli utenti direttamente dalle loro app bancarie o di portafoglio." La Commissione Europea continua a monitorare i feedback dagli sviluppatori precoci come kevin. mentre prevede l'inizio ufficiale di una più ampia implementazione del NFC. Questo controllo sottolinea l'impegno della Commissione a nutrire l'innovazione e la competizione equa nel settore dei pagamenti mobili. Guardando avanti, si prevede un aumento dei pagamenti simili a seguito di questo successo iniziale. kevin. ha effettivamente stabilito un precedente dominante, promettendo un mercato aperto dove i consumatori non sono più limitati da piattaforme di pagamento specifiche per dispositivo – una riformulazione fondamentale di come vengono condotte le transazioni in tutto il mondo. kevin. è un'azienda di tecnologia visionaria che sta rimodellando i sistemi di pagamento per le esigenze di domani. Dalla loro sede globale in Europa all'espansione recente nel fervente centro finanziario di Dubai, la missione di kevin. è stata coerente: offrire tecnologia affidabile end-to-end e significativi risparmi sulle commissioni di transazione senza cambiare il modo in cui le persone pagano. L'introduzione della loro rete di accettazione di pagamenti multitenant e agnostica al marchio segna un cambio significativo per consumatori e imprese, concedendo autonomia e valore senza gli impedimenti della tecnologia ereditata. Download: logo Kevin, immagine di Pavel Sokolovas e video della transazione iOS: collegamento - fine - Informazioni su kevin. kevin. è un'impresa tecnologica pionieristica con la missione di rivoluzionare i sistemi di pagamenti obsoleti. Con un'infrastruttura di recente costruzione, kevin. rende le transazioni più efficienti, sicure e comode sia per le vendite digitali che fisiche. La loro rete di accettazione dei pagamenti multitenant è white-label, agnostica al marchio e priva di intermediari, offrendo ai partner il controllo completo dei loro processi di pagamento in negozio. Ciò li rende capaci di sbloccare un valore maggiore attraverso nuovi servizi, tassi di conversione migliorati e una lealtà del cliente rafforzata. La rete di kevin. ridefinisce i pagamenti internazionali, garantendo un'infrastruttura di pagamento NFC da conto a conto sicura e senza soluzione di continuità per i terminali POS in tutto il mondo. Questa innovazione offre un'esperienza di "tap and go", compatibile sia con dispositivi Android che iOS, rendendo i pagamenti internazionali familiari come quelli locali. kevin. è supportata da Accel, Eurazeo e altri investitori, tra cui OTB Ventures, Speedinvest, Open Ocean e Global Paytech Venture. Impegno per l'Ecosistema L'obiettivo di kevin. è potenziare tutti i giocatori nell'ecosistema dei pagamenti, incluse banche, portafogli digitali, rivenditori e altri. L'azienda consente a queste entità di avviare i propri schemi indipendenti non a carta o di espandere i loro servizi connettendosi con una rete esistente sulla piattaforma kevin. Contact Details NettResults Relazioni Pubbliche Nick Leighton +1 949-478-5880 nick.leighton@nettresultsLLC.com Company Website https://www.kevin.eu/

April 11, 2024 07:50 AM Eastern Daylight Time

kevin. triunfa con la primera transacción NFC de cuenta a cuenta en iPhone

kevin.

En un evento innovador destinado a trastornar el panorama de los pagos en tiendas, kevin., pionero en tecnología de pagos, ha realizado con éxito la primera transacción NFC de cuenta a cuenta en un iPhone. Vídeo de la transacción: enlace En un mundo financiero donde la conveniencia y la seguridad son primordiales, kevin. ha establecido un nuevo pináculo al ejecutar el primer pago NFC de cuenta a cuenta que no es Apple Pay en un iPhone. Este salto tecnológico sigue la presión de la Comisión Europea sobre Apple para democratizar el acceso a NFC. Esto llega después de años en los que el estricto control de Apple sobre la tecnología NFC en dispositivos iOS había sofocado la competencia de terceros. Pavel Sokolovas, cofundador de kevin., articula la magnitud de este momento: “Superar las barreras finales de los pagos NFC en dispositivos iOS representa un verdadero momento trascendental. Estamos inmensamente orgullosos de ser los primeros en proporcionar transacciones de cuenta a cuenta utilizando NFC de Apple, dando a los consumidores el poder de elegir cómo pagan.” En enero de 2022, kevin. hizo olas al habilitar este método de pago innovador para los usuarios de Android, un movimiento elogiado por su originalidad y empuje hacia un ecosistema de pagos abierto. Ahora, con los cambios regulatorios en marcha, kevin. obtuvo rápidamente la autorización bajo el Programa de Derechos NFC de Apple y se embarcó en el desarrollo en su entorno controlado. Justamente seis semanas después del lanzamiento del programa de Apple, kevin. celebró la ejecución exitosa de la transacción experimental en modo de desarrollo, preparando el escenario para lo que podría revolucionar las interacciones en el punto de venta (POS). Sokolovas delineó el viaje técnico: “Hemos estado desarrollando rigurosamente dentro del marco arquitectónico de Apple. Nuestro equipo trabajó incansablemente para integrar nuestra solución técnica de kevin. dentro de la emulación de tarjeta anfitrión (HCE) de Apple, incluyendo estándares de seguridad, validación de transacciones y mucho más para crear una experiencia sin fisuras que permita a los usuarios realizar transacciones desde sus aplicaciones bancarias o de billetera.” La Comisión Europea continúa monitoreando los comentarios de los primeros desarrolladores como kevin. mientras anticipa el inicio oficial de una implementación más amplia de NFC. Este escrutinio subraya la dedicación de la Comisión para fomentar la innovación y la competencia equitativa en la esfera de pagos móviles. Mirando hacia el futuro, la industria anticipa un aumento en soluciones de pago similares tras este éxito inicial. kevin. de hecho ha establecido un precedente dominante, prometiendo un mercado abierto donde los consumidores ya no están limitados por plataformas de pago específicas del dispositivo — una reconfiguración fundamental de cómo se realizan transacciones en todo el mundo. kevin. es una empresa de tecnología visionaria que está reformando los sistemas de pagos para las necesidades del mañana. Desde sus oficinas centrales en Europa hasta la reciente expansión en el bullicioso centro financiero de Dubái, la misión de kevin. ha sido consistente: ofrecer tecnología de punta a punta confiable y ahorros significativos en tarifas por transacción sin cambiar la forma en que las personas pagan. La introducción de su red de aceptación de pagos multiarrendataria y agnóstica de la marca marca un cambio significativo para consumidores y empresas por igual, otorgando autonomía y valor sin los impedimentos de la tecnología heredada. Descargar: logotipo de Kevin, imagen de Pavel Sokolovas y vídeo de la transacción de iOS: enlace - termina - Acerca de kevin. kevin. es una empresa de tecnología pionera con la misión de revolucionar los sistemas de pagos heredados. Con una infraestructura recién construida, kevin. hace que las transacciones sean más eficientes, seguras y convenientes tanto para ventas digitales como físicas. La red de aceptación de pagos multiarrendataria de la compañía es de etiqueta blanca, agnóstica de la marca y sin intermediarios, ofreciendo a los socios el control completo de sus procesos de pago en tienda. Esto les permite desbloquear un valor mayor a través de nuevos servicios, tasas de conversión mejoradas y lealtad de clientes reforzada. La red de kevin. redefine los pagos internacionales, asegurando una infraestructura de pago NFC de cuenta a cuenta segura y sin fisuras para terminales POS en todo el mundo. Esta innovación ofrece una experiencia de 'tap and go', compatible con dispositivos Android y iOS, haciendo los pagos internacionales tan familiares como los locales. kevin. cuenta con el respaldo de Accel, Eurazeo y otros inversores, incluyendo OTB Ventures, Speedinvest, Open Ocean y Global Paytech Venture. Compromiso con el Ecosistema El objetivo de kevin. es empoderar a todos los jugadores en el ecosistema de pago, incluyendo bancos, billeteras digitales, minoristas y otros. La compañía permite a estas entidades lanzar sus propios esquemas independientes no tarjetas o expandir sus servicios conectándose con una red existente en la plataforma de kevin. Contact Details NettResults Relaciones Públicas Nick Leighton +1 949-478-5880 nick.leighton@nettresultsLLC.com Company Website https://www.kevin.eu/

April 11, 2024 07:50 AM Eastern Daylight Time

kevin. triomphe avec la première transaction NFC de compte à compte sur iPhone

kevin.

Dans un événement révolutionnaire destiné à bouleverser le paysage des paiements en magasin, kevin., un pionnier de la technologie de paiement, a réussi la toute première transaction NFC de compte à compte sur un iPhone. Vidéo de la transaction: lien Dans un monde financier où la commodité et la sécurité sont de la plus haute importance, kevin. a établi un nouveau sommet en exécutant le premier paiement NFC de compte à compte non-Apple Pay sur un iPhone. Ce bond technologique fait suite à la pression exercée par la Commission européenne sur Apple pour démocratiser l'accès au NFC. Cela survient après des années durant lesquelles le contrôle strict d'Apple sur la technologie NFC dans les appareils iOS avait étouffé la concurrence de tiers. Pavel Sokolovas, co-fondateur de kevin., exprime l'ampleur de ce moment: « Briser les dernières barrières des paiements NFC sur les appareils iOS représente un véritable moment charnière. Nous sommes immensément fiers d'être les premiers à fournir des transactions de compte à compte en utilisant le NFC d'Apple, donnant aux consommateurs le pouvoir de choisir leur mode de paiement. » En janvier 2022, kevin. a fait sensation en activant cette méthode de paiement innovante pour les utilisateurs Android, démarche saluée pour son originalité et sa volonté vers un écosystème de paiement ouvert. Maintenant, avec les changements réglementaires en cours, kevin. a rapidement obtenu l'autorisation dans le cadre du programme d'entitlement NFC d'Apple et a commencé le développement dans leur environnement contrôlé. Juste six semaines après le lancement du programme d'Apple, kevin. célébrait l'exécution réussie de la transaction expérimentale en mode développement, préparant le terrain pour ce qui pourrait révolutionner les interactions aux points de vente (POS). Sokolovas a décrit le parcours technique: « Nous avons développé de manière rigoureuse dans le cadre architectural d'Apple. Notre équipe a travaillé sans relâche pour intégrer notre solution technique kevin. dans l'émulation de carte hôte (HCE) d'Apple, comprenant les normes de sécurité, la validation des transactions et bien plus encore pour créer une expérience transparente permettant aux utilisateurs des transactions à partir de leurs applications bancaires ou de portefeuille. » La Commission européenne continue de surveiller les retours des premiers développeurs comme kevin. tout en anticipant le démarrage officiel d'une mise en œuvre plus large du NFC. Cette surveillance souligne l'engagement de la Commission à favoriser l'innovation et la concurrence équitable dans le domaine des paiements mobiles. Le secteur anticipe une montée en flèche de solutions de paiement similaires à la suite de ce succès initial. kevin. a en effet établi un précédent dominant, promettant un marché ouvert où les consommateurs ne sont plus limités par des plateformes de paiement spécifiques aux dispositifs - une refonte fondamentale de la façon dont les transactions sont menées dans le monde entier. kevin. est une entreprise de technologie visionnaire qui redéfinit les systèmes de paiement pour répondre aux besoins de demain. De son siège mondial en Europe à son récent expansion dans le centre financier animé de Dubaï, la mission de kevin. a été constante: offrir une technologie de bout en bout fiable et des économies substantielles sur les frais de transaction sans changer la façon dont les gens paient. L'introduction de leur réseau d'acceptation de paiement multi-locataire et indépendant de la marque marque une évolution significative pour les consommateurs et les entreprises, accordant l'autonomie et la valeur sans les contraintes de la technologie héritée. Télécharger: logo Kevin, image de Pavel Sokolovas et vidéo de transaction iOS: lien - fin - À propos de kevin. kevin. est une entreprise de technologie pionnière dont la mission est de révolutionner les systèmes de paiement hérités. Avec une infrastructure nouvellement construite, kevin. rend les transactions plus efficaces, sécurisées et pratiques pour les ventes numériques et physiques. Son réseau d'acceptation de paiements multi-locataire est blanc de marque, indépendant de la marque et sans intermédiaire, offrant aux partenaires un contrôle complet de leurs processus de paiement en magasin. Cela les habilite à débloquer une plus grande valeur grâce à de nouveaux services, des taux de conversion améliorés et une fidélité client renforcée. Le réseau kevin. redéfinit les paiements internationaux, assurant une infrastructure de paiement NFC sécurisée de compte à compte pour les terminaux POS dans le monde entier. Cette innovation offre une expérience de 'tap and go', compatible avec les appareils Android et iOS, rendant les paiements internationaux aussi familiers que les paiements locaux. kevin. est soutenu par Accel, Eurazeo et d'autres investisseurs, y compris OTB Ventures, Speedinvest, Open Ocean et Global Paytech Venture. Engagement envers l'écosystème L'objectif de kevin. est d'autonomiser tous les acteurs de l'écosystème de paiement, y compris les banques, les portefeuilles numériques, les détaillants et autres. L'entreprise permet à ces entités de lancer leurs propres schémas indépendants non-carte ou d'élargir leurs services en se connectant à un réseau existant sur la plateforme kevin. Contact Details NettResults Relations Publiques Nick Leighton +1 949-478-5880 nick.leighton@nettresultsLLC.com Company Website https://www.kevin.eu/

April 11, 2024 07:50 AM Eastern Daylight Time

New Alvarez & Marsal Spring 2024 Consumer Sentiment Report Highlights Impact of Ongoing Consumer Skepticism on Spring & Summer Spending Plans

Alvarez & Marsal Consumer and Retail Group

Consumers, specifically those with higher household incomes, intend to reduce spending on essentials, experiences, gifts, and indulgences this spring The number of higher-income earners cutting back on spending to prioritize saving has increased in Spring ’24 compared to previous cycles Cost-conscious consumers are increasingly engaging in sales and second-hand shopping as a way to reduce spending Despite financial uncertainty, consumers are still eager to take vacations this year, showing resilience in their desire for leisure compared to last spring (2023) Global professional services firm Alvarez & Marsal’s Consumer and Retail Group (A&M CRG) released its latest consumer report, Consumer Sentiment Survey Spring 2024, which examines the influence of inflation and resulting changes in consumer spending over the last year, as well as spending outlook for the upcoming six-month timeframe. This is the sixth chapter of its bi-annual Consumer Sentiment Report, based on a survey of 1,800+ consumers matching the U.S. adult population according to gender, age, ethnicity, region and income. The report delves into shifting behaviors in response to personal finances and economic conditions. It includes insights into consumers' shopping priorities across categories, concerns about increasing prices, vacation plans, and other factors shaping purchase decisions for the upcoming spring season, among other relevant insights. “Our semi-annual survey aims to analyze the influence of ongoing economic concerns on consumer spending patterns, channel preferences, and their overall confidence in financial stability over time. Retailers can utilize the data and insights from our report to develop financial plans, efficiently manage inventory, enhance marketing campaigns, and establish pricing strategies at a category level,” stated Chad Lusk, Managing Director at Alvarez & Marsal’s Consumer and Retail Group. “This survey cycle reveals a growing consumer pessimism as we head into the spring season, with intentions to exercise greater caution in spending especially in higher income households.” The study found that: Consumer outlook for spring is weaker as consumers are anticipating spending less and having less money versus Fall ‘23 Consumers are planning to reduce spending across the board but show the smallest decline in spending intentions for experiences compared to Fall ‘23, with a rising number of respondents planning vacations this year In higher income brackets, there's a notable trend towards prioritizing saving over spending. In the $200K+ income bracket, the percentage of respondents prioritizing saving surged by 12% compared to Fall '23. Across various spending categories, we consistently observed the most significant decreases in desire to spend in the higher income households Higher income households are turning to second-hand shopping to save money. The number of respondents earning $100K+ who shop second-hand to save costs increased by 10% this spring. "Retailers must recognize the cautious consumer mindset and adjust strategic priorities accordingly to align with spending plans," Lusk advised. "Retailers, particularly ones servicing higher income consumers, should anticipate providing discounts and promotions across different categories as the season progresses, also while implementing flexible inventory strategies to minimize overall liabilities, given that those typically less affected by recession or inflation will be spending less.” To download a pdf of Consumer Sentiment Survey Spring 2024, please visit: https://alvarezandmarsal-crg.com/insight/consumer-sentiment-survey-spring-24/ The Alvarez and Marsal Consumer and Retail Group (CRG) is a management consulting firm that tackles the most complex challenges and advances its clients, people, and communities towards their maximum potential. CRG combines the best of A&M’s broader firm's bias toward action and practicality with deep consumer and retail industry experience. CRG partners with businesses across a wide range of categories including Food & Beverage, Beauty & Personal Care, Grocery, Mass Merchandise, and Apparel & Footwear to drive significant performance improvement. Contact Details David Schneidman dschneidman@alvarezandmarsal.com Company Website https://www.alvarezandmarsal.com/industries/retail/retail

April 10, 2024 11:30 AM Eastern Daylight Time

Annette Clayton Joins Flash Board of Directors

Flash Parking

Flash, the leading digital ecosystem provider connecting drivers to parking and EV charging experiences, today announced Annette Clayton, chairwoman and former CEO of Schneider Electric, has joined the company’s board of directors. Ms. Clayton has decades of automotive, technology and energy industry experience and brings an extensive track record guiding corporate strategy and operations for growth companies and pioneering startups. “We are incredibly fortunate to welcome Annette to our board of directors,” said Dan Sharplin, Flash’s CEO and Chairman. “She is an accomplished leader who has dedicated her career to companies that are transforming their respective industries, and her talents and expertise will be invaluable to our next chapter of growth, particularly when it comes to meeting the needs of modern drivers through the next wave of EV adoption.” Ms. Clayton joins Flash’s board of directors after recently concluding her tenure as CEO of Schneider Electric North America. During that time, Ms. Clayton led business strategy for the region, representing 30,000 employees and sales of more than $11 billion in fiscal year 2022. “Working with innovators like Flash that reimagine an industry is the work I love,” said Ms. Clayton regarding her appointment. “I have followed Flash’s evolution from its startup days and think the current moment is among its most exciting – Flash has done the heavy lifting and is poised to bring all the players together to set the new standard for a first-of-its-kind digital ecosystem.” Ms. Clayton currently serves on the public boards of Duke Energy, NXP Semiconductors, Oshkosh Corporation and Nordson Corporation. Ms. Clayton’s prior board service includes National Electrical Manufacturers Association, National Association of Manufacturers and many of Schneider Electric’s Energy-as-a-Service joint ventures. She was also a member of Rewiring America’s CEO’s for Electrification coalition for business leaders. Prior to Schneider Electric, she served in senior management roles for Dell, where she led the transformation of its global supply chain and fulfillment model, and General Motors Corporation, including president of Saturn Corporation, where she oversaw strategic direction, financial accountability, and profitability. Ms. Clayton holds a bachelor’s degree in general engineering from Wright State University, a master’s degree in engineering management from the University of Dayton and has completed the London Business School executive development program. About Flash Flash is a pioneering technology company bringing seamless parking and EV charging experiences to drivers through a first-of-its-kind digital ecosystem. Flash’s platform connects reservable parking and charging in the apps drivers use every day with garage, surface lot, event, and valet parking locations — connected and controlled via a cloud-based operating system with unrivaled intelligence. Customer-obsessed brands partner with Flash to deliver digital, easy-to-use, reliable, and increasingly frictionless experiences to drivers eager to pay for a solution that eliminates wasted time, excess emissions, and stress from driving. The solution has arrived. Visit www.flashparking.com to learn more. Contact Details Flash Parking Ray Young +1 512-694-6097 ray@razorsharppr.com Company Website https://www.flashparking.com/

April 04, 2024 03:00 PM Eastern Daylight Time

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