Indeed You alone know Yourself by Your internal potency O Supreme Person Origin of all Lord of all beings God of Gods Lord of the universe The Supersoul You are the Supreme Primal Objective You are the ultimate resting place of the universe You are inexhaustible and You are the oldest You are the maintainer of the eternal religion, the Personality of Godhead Oh master of the senses Oh Primal Lord O Limitless One God of Gods Refuge of the universe You are the invincible source The cause of all causes You are the knower of everything and all that is knowable You are the supreme refuge above the material modes O limitless form This whole cosmic manifestation is pervaded by You O unbounded power You are the master of limitless might You are all-pervading and thus You are everything Omniscient The ancient The Ruler of the whole world Minuter than the atom The supporter of all Of form inconceivable Effulgent like the Sun and Beyond the darkness There is nothing whatsoever higher than you You are the Sapidity in Water The Light in the Moon and the Sun You are the syllable OM in all the Vedas Sound in ether You are the Virility in men You are the sweet fragrance in earth and the brilliance in fire You are the life in all beings The austerity in the austere You are the eternal seed of all beings The intelligence of the intelligent You are the Splendor of the Splendid You are the Strength of the Strong Guest
Joseph Oladokun

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Payment Fraud Rose In 2020, Study Finds

Ecommerce Brands Have A New Headache To Deal With On Top Of Worries About Sales And Email Open Rates: Payment Fraud, According To ...
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Payment Fraud Rose In 2020, Study Finds
~1.5 mins read
Ecommerce brands have a new headache to deal with on top of worries about sales and email open rates: payment fraud, according to a study by the American Express company Accertify. 

Accertify surveyed 105 respondents at merchant companies in December 2020. It found that 38% saw an increase in online payment fraud last year. 

In addition, 31% witnessed more refund/orders-not-received fraud, up from 25% in 2019. And 25% suffered from an increase in identity theft, but that rate is down one percentage point from the prior year.

In contrast, promotion fraud abuse fell to 22%, versus 25% in 2020.

All this points to a need for strong identity validation and better cleaning of email lists.

Fraudulent shoppers should be removed from the lists and prevented from further ordering, although that may difficult if they are using multiple or stolen identities. Analytics may also be of use in preventing fraud. 

Of the many types of fraud, here are the ones they are most concerned about:

Online payment fraud — 54%

Refunds/orders not received — 35%

Identity theft — 30%

Gift card fraud — 26%

Promotion abuse (coupon) — 17%

Account opening/account creation fraud — 19%

Account takeovers — 9% 

First-party fraud (e.g. friendly fraud) — 14%

Other — 1%

Just how are merchants dealing with the problem? Here are the strategies they are investing in this year:

Automated chargeback processing — 37%

Deploy pre-dispute products — 33%

Partner with a technology vendor — 32%

Add additional headcount — 25%

Ignore hard-to-win chargebacks and disputes — 20% 

Ignore low-value chargebacks and disputes — 14%

None — 19%

Telegram Received A Billion Dollars From The Placement Of Bonds

Telegram Placed Its Own Bonds And Raised $1 Billion With The Prospect Of Converting Debt Into Shares In The Event Of A Future IPO....
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Telegram Received A Billion Dollars From The Placement Of Bonds
~0.9 mins read
Telegram placed its own bonds and raised $1 billion with the prospect of converting debt into shares in the event of a future IPO. Dollar bonds at 7% per annum were placed last Friday, informs RBC citing informed sources. The minimum lot for participation was $500 thousand, the bonds were placed until 2026, the first coupon payment is scheduled for September 2021.

Telegram's plans to place more than $1 billion in convertible bonds became known in February. reminds Prime. Describing the business in investor materials, the company pointed to consistent growth of more than 40% per year for more than seven years, and also reminded that Telegram became the most downloaded non-gaming mobile app in January 2021 (according to Sensor Tower).

The value of the messenger has grown after the announcement by Pavel Durov of plans to monetize Telegram. The company estimates the existing volume of the messenger's advertising space at 430 billion views per month and speaks of the possibility of gaining a significant share of the mobile advertising market (estimated at $200-400 billion).

Читать полностью: https://allnokia.ru/news/361220/

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