Tootfinder

A profile of 6-year-old Ramp, which has grown to a $22.5B valuation as it expanded beyond corporate cards to tools for expense reporting, bill payment, and more (Leo Schwartz/Fortune)
https://fortune.com/article/ramp-american-express-corp…

Ramp is taking aim at American Express by upending corporate credit cards. Can the $22.5 billion startup live up to the hype?
With $1 billion in revenue, Ramp has grown at hyperspeed amid the AI boom and corner-office financial anxiety.

EV sales soar as Trump's 'big beautiful bill' axes $7,500 tax credit
https://www.cnbc.com/2025/08/08/ev-sales-trump-tax-credit.html

Trump Mobile Keeps Charging My Credit Card And I Have No Idea Why https://www.404media.co/trump-mobile-keeps-charging-my-credit-card-and-i-have-no-idea-why/

The administration is putting up signs that say,
"President Donald J. Trump"
and
"Rebuilding America's Infrastructure"
at worksites funded by Biden's 2021 infrastructure bill
-- and for projects Trump opposed
https://www.

Trump Is Taking Credit for Infrastructure Projects Funded by Biden Legislation He Opposed
Donald Trump is taking credit for infrastructure projects funded by a bill former president Joe Biden signed into law, which Trump opposed.

Vice Media raises $75M in a credit facility with Western Alliance Bank to support Vice Studios; Vice co-owner Fortress is also contributing an equity investment (Sara Fischer/Axios)
https://www.axios.com/2025/08/07/vice-media-news-studios-credit

Trump Is Taking Credit for Infrastructure Projects Funded by Biden Legislation He Opposed (Peter Wade/Rolling Stone)
https://www.rollingstone.com/politics/politics-news/trump-taking-credit-biden-infrastructure-projects-1235422782/
http://www.memeorandum.com/250907/p68#a250907p68

New York-based Casap, which helps banks automate disputes and fight fraud, raised a $25M Series A led by Emergence Capital, bringing its total funding to $33.5M (Jeff Kauflin/Forbes)
https://www.forbes.com/sites/jeffkauflin/2

Everyone Hates Credit Card Disputes. This Fintech Is Using AI To Fix That.
New York startup Casap has raised $25 million in new funding to help banks tackle the thorny problem of credit and debit card disputes, aiming to make the process smoother for honest customers and tougher for fraudsters.

Harvard’s business model is raking in ungodly amounts of money selling that name to the offspring of the ultra-wealthy, however deserving or undeserving, and then investing it.
(Harvard does to its credit use a portion of that money to subsidize access for the highly deserving and underprivileged. I’ve seen the “tuition paid” graph for Harvard, and it’s very roughly ~20% pay nothing and ~40% pay full freight and their family has more money than everyone you’ve every known combined.)
2/

The Mediterranean bathtub: South of France, sea surface temperatures exceed 28°C, over 5°C above the already warmed 1991-2020 average now.
https://climate.copernicus.eu/heatwaves-contribute-warmest-june-record-western-europe

you know you’re on mastodon when someone posts about accepting imperfections to be a stronger movement and half of the replies are complaining about the moral imperfection of the post https://hachyderm.io/@haubles/115169969055033272

hannah aubry (@haubles@hachyderm.io)
Attached: 1 image "division is a weapon... do not play along" (photo credit unknown - someone on here posted this, lmk if it was you and I'll update this post)

Investigating the CREDIT history of supernova remnants as cosmic-ray sources
Anton Stall, Chun Khai Loo, Philipp Mertsch
https://arxiv.org/abs/2507.07088 h…

Investigating the CREDIT history of supernova remnants as cosmic-ray sources
Supernova remnants (SNRs) have long been suspected to be the primary sources of Galactic cosmic rays. Over the past decades, great strides have been made in the modelling of particle acceleration, magnetic field amplification, and escape from SNRs. Yet while many SNRs have been observed in nonthermal emission in radio, X-rays, and gamma rays, there is no evidence for any individual object contributing to the locally observed flux. Here, we propose a particular spectral signature from individual…

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#EuphemismsByKids

😮‍💨 Carbon credits have little to no effect on making companies greener, study reveals
#climatechange

Carbon credits have little to no effect on making companies greener, study reveals
Many companies across the world use carbon credits as part of their climate strategies to offset emissions. A carbon credit is a certificate that represents the reduction, avoidance or removal of one ton of carbon dioxide from the atmosphere. While organizations claim these credits help them reduce their environmental impact, there is debate about whether companies that buy credits decarbonize faster. However, an in-depth study of 89 multinationals, published in Nature Communications, reveals t…

It’s #ScamSeason again (spoiler: it’s always scam season) so I’m here to remind everyone to go to all three of the major credit bureau web sites and do two things. First, run your free credit check (you get 3 free checks a year at each of them). Look for anything suspicious, like credit cards you didn’t sign up for. Contest them. Second, lock your credit account so nobody can sign up for a card,…

The Eagles spend money unlike any other team. Are they the new NFL model, or an anomaly? https://www.nytimes.com/athletic/6575493/2025/09/10/nfl-salary-cap-eagles-spending-trend/

Nancy Mace freaks out as she's questioned about taking credit for a law she voted against - LGBTQ Nation
https://www.lgbtqnation.com/2025/08/nancy-mace-freaks-out-as-shes-questioned-about-taking-credit-for-a-law-she-voted-against/

Test-Time Graph Search for Goal-Conditioned Reinforcement Learning
Evgenii Opryshko, Junwei Quan, Claas Voelcker, Yilun Du, Igor Gilitschenski
https://arxiv.org/abs/2510.07257 h…

Test-Time Graph Search for Goal-Conditioned Reinforcement Learning
Offline goal-conditioned reinforcement learning (GCRL) trains policies that reach user-specified goals at test time, providing a simple, unsupervised, domain-agnostic way to extract diverse behaviors from unlabeled, reward-free datasets. Nonetheless, long-horizon decision making remains difficult for GCRL agents due to temporal credit assignment and error accumulation, and the offline setting amplifies these effects. To alleviate this issue, we introduce Test-Time Graph Search (TTGS), a lightwe…

I have built up over 346k credit card points over four cards so far this year. This weekend, I figured out a way to grab 2k more while grabbing additional points at a 3x rate. Once I'm done with this trip, I need to move the credit limits for two of those cards and close them.
#TravelHacking #CreditCardPoints #PointsAndMiles

It’s amazing how many replies I’m getting that “vibe coding is fine, it doesn’t matter if software actually works”.
People literally die or get hurt all the time when websites or apps don’t work, because they get false information or they’re incorrectly flagged or they hit some edge case and stuff just doesn’t happen.
Power gets turned off. Medications don’t arrive. Accounts get frozen. Credit scores ruined. Personal information leaked.
If you don’t take making software seriously you should fuck right off and leave the field.

I've promised extra credit to the student who brings WD-40 to spray on the squeaky hinges of the classroom door. We're six weeks into term. Will today be the day?

from my link log —
Luhn credit card checksum using SWAR and SIMD.
https://nullprogram.com/blog/2022/04/30/
saved 2022-04-30 https://

Can SSD-Mamba2 Unlock Reinforcement Learning for End-to-End Motion Control?
Gavin Tao, Yinuo Wang, Jinzhao Zhou
https://arxiv.org/abs/2509.07593 https://ar…

Can SSD-Mamba2 Unlock Reinforcement Learning for End-to-End Motion Control?
End-to-end reinforcement learning for motion control promises unified perception-action policies that scale across embodiments and tasks, yet most deployed controllers are either blind (proprioception-only) or rely on fusion backbones with unfavorable compute-memory trade-offs. Recurrent controllers struggle with long-horizon credit assignment, and Transformer-based fusion incurs quadratic cost in token length, limiting temporal and spatial context. We present a vision-driven cross-modal RL fra…

Raiders OC Chip Kelly gives Pete Carroll credit for the Dont'e Thornton Jr. pick https://raiderswire.usatoday.com/story/sports/nfl/raiders/2025/09/05/raiders-chip-kelly-gives-pete-carroll-credi…

Kevin Durant Has Surprisingly High Praise for Cowboys, Despite Rival Fandom https://heavy.com/sports/nfl/dallas-cowboys/kevin-durant-surprisingly-high-praise/?adt_ei=[email]

Artificial-Intelligence Grading Assistance for Handwritten Components of a Calculus Exam
Gerd Kortemeyer, Alexander Caspar, Daria Horica
https://arxiv.org/abs/2510.05162 https:/…

Artificial-Intelligence Grading Assistance for Handwritten Components of a Calculus Exam
We investigate whether contemporary multimodal LLMs can assist with grading open-ended calculus at scale without eroding validity. In a large first-year exam, students' handwritten work was graded by GPT-5 against the same rubric used by teaching assistants (TAs), with fractional credit permitted; TA rubric decisions served as ground truth. We calibrated a human-in-the-loop filter that combines a partial-credit threshold with an Item Response Theory (2PL) risk measure based on the deviation bet…

A look at the impact of AI voice cloning on India's dubbing and voiceover sector, as artists demand consent, credit, and fair pay amid a lack of laws for AI use (Zico Ghosh/The Hollywood Reporter)
https://www.hollywoodreporter.com/movies/m

AI Is Replacing Voice Artists in India — and There Are No Local Laws to Stop It
As AI voice cloning in films becomes a reality, India’s dubbing artists are demanding consent, credit and fair pay: "You must understand that your voice is your intellectual property."

A look at the risks of BNPL apps like Klarna on users' financial health, as credit cards adopt BNPL features and regulators struggle to categorize BNPL services (Amy X. Wang/New York Times)
https://www.nytimes.co…

Klarna, Affirm, Afterpay: How ‘Buy Now Pay Later’ Built a New Culture of Consumption
‘Buy Now, Pay Later’ has built a delirious new culture of consumption — and trapped users in a vortex of debt.

Quantum Reservoir Computing for Credit Card Default Prediction on a Neutral Atom Platform
Giacomo Vitali, Chiara Vercellino, Paolo Viviani, Olivier Terzo, Bartolomeo Montrucchio, Valeria Zaffaroni, Francesca Cibrario, Christian Mattia, Giacomo Ranieri, Alessandro Sabatino, Francesco Bonazzi, Davide Corbelletto
https://arxiv.org/abs/2510.04…

Quantum Reservoir Computing for Credit Card Default Prediction on a Neutral Atom Platform
In this paper, we define and benchmark a hybrid quantum-classical machine learning pipeline by performing a binary classification task applied to a real-world financial use case. Specifically, we implement a Quantum Reservoir Computing (QRC) layer within a classical routine that includes data preprocessing and binary classification. The reservoir layer has been executed on QuEra's Aquila, a 256-qubit neutral atom simulator, using two different types of encoding: position and local detuning. In …

Reflexionen über Kommunismus.
https://www.nytimes.com/2025/08/03/opinion/airport-lounge-travel-credit-card.html?unlocked_article_code=1.bk8.R56H.G3l8_vfLgioX&smid=url-share

Opinion | America’s Airport Lounges Are Crowded and Crummy
Airport lounges have never been more popular — and not worth the hassle.

CreditARF: A Framework for Corporate Credit Rating with Annual Report and Financial Feature Integration
Yumeng Shi, Zhongliang Yang, DiYang Lu, Yisi Wang, Yiting Zhou, Linna Zhou
https://arxiv.org/abs/2508.02738

CreditARF: A Framework for Corporate Credit Rating with Annual Report and Financial Feature Integration
Corporate credit rating serves as a crucial intermediary service in the market economy, playing a key role in maintaining economic order. Existing credit rating models rely on financial metrics and deep learning. However, they often overlook insights from non-financial data, such as corporate annual reports. To address this, this paper introduces a corporate credit rating framework that integrates financial data with features extracted from annual reports using FinBERT, aiming to fully leverage…

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#FortuneCookiesForPets

My take on the trend toward 90 credit Bachelor degrees in US higher education, and a few thoughts about the benefits and drawbacks, and about the compromise solution of the Distance Education Accrediting Commission for 3-year programs.
This started out as my response to DEAC's request for comments on their proposal, and I realized I was three fourths of the way to a short essay, so I went ahead and finished it.

SHAP Stability in Credit Risk Management: A Case Study in Credit Card Default Model
Luyun Lin, Yiqing Wang
https://arxiv.org/abs/2508.01851 https://arxiv.o…

SHAP Stability in Credit Risk Management: A Case Study in Credit Card Default Model
The increasing development in the consumer credit card market brings substantial regulatory and risk management challenges. The advanced machine learning models applications bring concerns about model transparency and fairness for both financial institutions and regulatory departments. In this study, we evaluate the consistency of one commonly used Explainable AI (XAI) technology, SHAP, for variable explanation in credit card probability of default models via a case study about credit card defa…

Hundreds of consumers reached out to their congressional representatives for help in the past 12 months.
“I have been unable to pay my rent, utilities, personal bills, student loans, or my credit card. I have been unable to buy groceries or put gas in my car,” wrote a New Yorker, who contacted Rep. Nicole Malliotakis’ office.
Records show their representatives — all Republicans — referred them to the "Consumer Financial Protection Bureau",
the watchdog agency form…

These GOP Lawmakers Referred Constituents to the CFPB for Help. Then They Voted to Gut the Agency.
Many of the same Republican lawmakers who have targeted the Consumer Financial Protection Bureau for cuts have collectively directed thousands of constituents’ complaints about banks, credit cards, loans and other products to the agency.

NEW PROGRAM> The Contemplative Semester (including college credit) https://networks.h-net.org/group/announcements/20127061/contemplative-semester-including-college-credit

A look at the impact of AI voice cloning on India's dubbing and voiceover sector, as artists demand consent, credit, and fair pay amid a lack of laws for AI use (Zico Ghosh/The Hollywood Reporter)
https://www.hollywoodreporter.com/movies/m

AI Is Replacing Voice Artists in India — and There Are No Local Laws to Stop It
As AI voice cloning in films becomes a reality, India’s dubbing artists are demanding consent, credit and fair pay: "You must understand that your voice is your intellectual property."

Encountering a lot of the scam where I buy something in the UK and it recognizes my US credit card and charges me in dollars instead of pounds. With a currency conversion fee, often 3% or more. I do not have the option to prevent this. Mostly this is at POS terminals in restaurants, etc.
Uber also does this but they have a clear notification, an opt-out, and a sort of reasonable 1.5% fee. Still don't want it, I have 0% fee on my credit card.

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#MedicalSlogansOrMottos

European car makers have subsidized Musk's Tesla for years by buying EU carbon credits from him so they could continue to sell fossil fuel cars.
Now the European public is turning away from Tesla, will they move on to subsidizing China's BYD instead?
https://

BYD in Talks to Sell Carbon Credits to European Automakers to Avoid EU Emissions Fines
BYD is in advanced talks with European automakers to form a carbon credit pool, allowing companies with lower EV sales to buy emissions credits

MASCA: LLM based-Multi Agents System for Credit Assessment
Gautam Jajoo, Pranjal A Chitale, Saksham Agarwal
https://arxiv.org/abs/2507.22758 https://arxiv.…

MASCA: LLM based-Multi Agents System for Credit Assessment
Recent advancements in financial problem-solving have leveraged LLMs and agent-based systems, with a primary focus on trading and financial modeling. However, credit assessment remains an underexplored challenge, traditionally dependent on rule-based methods and statistical models. In this paper, we introduce MASCA, an LLM-driven multi-agent system designed to enhance credit evaluation by mirroring real-world decision-making processes. The framework employs a layered architecture where speciali…

A lot happened in the cybersecurity world over the weekend, so don't miss today's Metacurity for the most critical developments you should know, including
--Aeroflot grounded by 'crippling cyberattack' as Silent Crow takes credit,
--Microsoft probes early alert system leak tied to SharePoint hacks,
--Women’s Tea app hit with photo leak,
--Allianz Life confirms major data breach,
--Hackers claim Naval Group breach,
--US senator urges Musk to …

Aeroflot grounded by 'crippling cyberattack' as Silent Crow takes credit
Microsoft probes early alert system leak tied to SharePoint hacks, Women’s Tea app hit with photo leak, Allianz Life confirms major data breach, Hackers claim Naval Group breach, US senator urges Musk to block SpaceX cyberscammers, much more.

Semi-Supervised Bayesian GANs with Log-Signatures for Uncertainty-Aware Credit Card Fraud Detection
David Hirnschall
https://arxiv.org/abs/2509.00931 https://

Semi-Supervised Bayesian GANs with Log-Signatures for Uncertainty-Aware Credit Card Fraud Detection
We present a novel deep generative semi-supervised framework for credit card fraud detection, formulated as time series classification task. As financial transaction data streams grow in scale and complexity, traditional methods often require large labeled datasets, struggle with time series of irregular sampling frequencies and varying sequence lengths. To address these challenges, we extend conditional Generative Adversarial Networks (GANs) for targeted data augmentation, integrate Bayesian i…

HAHAHA will they get reimbursed? By Donald "No credit" #Trump, a universally renown tool notorious for stiffing people for services rendered?
Man, this had to have been rhetorical.
Original post: https://

New "Are you not entertained?" meme landed. (Credit: Tom Jenkins/The Guardian.)

New credit card hack my family just got caught by
Someone slapped official looking QR codes on all the parking meters in Salem, MA
Scan the code, pay parking with credit card, your credit card just got p0wned
New credit cards for us!
#hack #qrcode

New policy in Florida makes solar installations easier and potentially saves thousands. Don't miss out on the 30% federal tax credit before 2025. #climatechange #climatesolutions #climate

Solar experts urge homeowners to quickly upgrade after new policy slashes red tape for installations: 'Potentially saving thousands'
A new Florida's solar law promises to slash permitting delays and cut red tape for homeowners who go solar.

Helsinki-based DataCrunch, which aims to become Europe's first AI cloud hyperscaler, raised a €55M Series A, bringing its total funding to €76.5M (Tamara Djurickovic/Tech.eu)
https://tech.eu/2025/09/08/datacrunch-raises-eur5…

DataCrunch raises €55M to boost EU AI sovereignty with green cloud infrastructure
Helsinki-based DataCrunch, a provider of high-performance AI infrastructure, has raised €55 million in a Series A round to scale its compute platform and advance its ambition to become Europe’s first AI cloud hyperscaler.The round was led by byFounders, Skaala, Varma pension fund, and Tesi, with participation from J12 Ventures and angel investors. Debt financing came from Nordea and Armada Credit Partners, alongside Danske Bank, Norion Bank, and Local Tapiola. With this raise, DataCru…

Replaced article(s) found for cs.CE. https://arxiv.org/list/cs.CE/new
[1/1]:
- A Generative Approach to Credit Prediction with Learnable Prompts for Multi-scale Temporal Repres...
Yu Lei, Zixuan Wang, Yiqing Feng, Junru Zhang, Yahui Li, Chu Liu, Tongyao Wang

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#LoveABookASong

when the UK makes its own social credit score what will they name it

Distribution-valued Causal Machine Learning: Implications of Credit on Spending Patterns
Cheuk Hang Leung, Yijun Li, Qi Wu
https://arxiv.org/abs/2509.03063 https://

Distribution-valued Causal Machine Learning: Implications of Credit on Spending Patterns
Fintech lending has become a central mechanism through which digital platforms stimulate consumption, offering dynamic, personalized credit limits that directly shape the purchasing power of consumers. Although prior research shows that higher limits increase average spending, scalar-based outcomes obscure the heterogeneous distributional nature of consumer responses. This paper addresses this gap by proposing a new causal inference framework that estimates how continuous changes in the credit …

Bird Photographer of the Year winners, and even highly commended shots for 2025 are all incredibly epic (as usual)
#photography

Financial Interactions and Collective States Part I. Investors and Firms
Pierre Gosselin (IF), A\"ileen Lotz
https://arxiv.org/abs/2509.06377 https://…

Financial Interactions and Collective States Part I. Investors and Firms
In a series of papers, we applied a field formalism to analyze capital allocation and accumulation within a microeconomic framework of investors and firms. Financial agents could invest in both firms and other investors, while banks, introduced as investors with a credit multiplier, played a stabilizing or destabilizing role. Two types of interactions were considered within the financial sector: financial agents could either lend capital to or buy shares of other investors. We examined the coll…

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#ProductAndServicesCouponCodes

Beyond Policy Optimization: A Data Curation Flywheel for Sparse-Reward Long-Horizon Planning
Yutong Wang, Pengliang Ji, Kaixin Li, Baolong Bi, Tao Feng, Guillaume Sartoretti
https://arxiv.org/abs/2508.03018

Beyond Policy Optimization: A Data Curation Flywheel for Sparse-Reward Long-Horizon Planning
Large Language Reasoning Models have demonstrated remarkable success on static tasks, yet their application to multi-round agentic planning in interactive environments faces two fundamental challenges. First, the intractable credit assignment problem renders conventional reinforcement learning ineffective in sparse-reward settings. Second, the computational overhead of verbose, step-by-step reasoning histories is prohibitive. To address these challenges, we propose BPO, a three-stage framework …

(credit: emilyscartoons)

Credit Default Prediction with Projected Quantum Feature Models and Ensembles
Andras Ferenczi, Dagen Wang, Mariya Bessonova, Sutapa Samanta, Todd Hodges, John Hancock, Guillermo Mijares Vilari\~no, Amol Deshmukh, Mariana LaDue, Girish Pillai, Hilary Packer
https://arxiv.org/abs/2510.01129

Credit Default Prediction with Projected Quantum Feature Models and Ensembles
Accurate prediction of future loan defaults is a critical capability for financial institutions that provide lines of credit. For institutions that issue and manage extensive loan volumes, even a slight improvement in default prediction precision can significantly enhance financial stability and regulatory adherence, resulting in better customer experience and satisfaction. Datasets associated with credit default prediction often exhibit temporal correlations and high dimensionality. These attr…

NEW PROGRAM> The Contemplative Semester (including college credit)
https://ift.tt/NgUMIw6
Lessons for the Upcoming Age of Climate Refugees: Next meeting of the ASLH Environment, Law, and…
via Input 4 RELCFP

Photo of the Day.
Israel threatened reprisals if the press filmed Gaza from above during airdrops.
This is why. A scene of destroyed & burnt out buildings in what is left of Gaza City, the pre-war home to 800,000 people.
Credit to Post photographer Heidi Levine who defied the ban & took this.
[Post by @newseye on Bluesky: …

News Eye (@newseye.bsky.social)
Photo of the Day. Israel threatened reprisals if the press filmed Gaza from above during airdrops. This is why. A scene of destroyed & burnt out buildings in what is left of Gaza City, the pre-war home to 800,000 people. Credit to Post photographer Heidi Levine who defied the ban & took this.

I don’t know if anyone else out there is enjoying the new #Peacemaker, but if you are, make sure you stick around for the post-credit scenes.

"I find Bandcamp's recent changes in their payment method deeply intrusive -- requiring all my personal, credit, and banking information including complete social security account information -- I have decided to close my account here. "

Time For 9 o'clock #HashTagGames hosted by @… Let's play!
#ProductAndServicesCouponCodes

Roughly 1 in 20 adult Canadians failed a credit card payment in Q2.
#debt

Cowboys' Aaron Whitecotton deserves credit for stellar rookie in training camp https://www.si.com/nfl/cowboys/news/dallas-cowboys-aaron-whitecotton-deserves-credit-donovan-ezeiruaku

In Frankreich kann man IBAN Überweisungen nur an Empfänger tätigen, die man VORHER angelegt hat. Die werden nach dem Anlegen von der Bank idR erst 24 Stunden später für die erste Überweisung freigegeben, manche Banken wie z.b. Credit Agricole lässt sich gerne auch ein paar Tage zeit.
Zuerst hab ich gedacht: "Was ist das denn jetzt wieder für ein Mist, typisch französische Überbürokratie".
Allerdings: das hebelt so machen Betrugsmasche aus und ist bei Licht betrachtet g…

Giving the Raiders Credit Where Credit is Due https://www.si.com/nfl/raiders/las-vegas-thomas-booker-ashton-jeanty-pete-carroll

Data potentially accessed by the hack includes things like names, usernames, emails, and the last four digits of credit card numbers.
The unauthorized party also accessed a “small number” of images of government IDs from “users who had appealed an age determination.”
Full credit card numbers and passwords were not impacted by the breach, Discord says.
The company is notifying impacted users now over email.
If your ID might have been accessed, Discord will specify that.…

Discord customer service data breach leaks user info and scanned photo IDs
One of Discord’s third-party customer service providers was compromised by an “unauthorized party” that may have accessed things like names, usernames, and emails.

The three words you can whisper into the ear of any support AI chatbot to get their attention
credit card chargeback

Brex says it has secured a license in the EU, allowing it to issue credit and debit cards and offer its spend management products to European customers (Julie Bort/TechCrunch)
https://techcrunch.com/2025/08/07/ipo-hopeful-brex-scored-…

IPO hopeful Brex scored major win to sell in the EU, plans UK expansion | TechCrunch
The EU has authorized Brex to sell its spend management products directly in all 30 countries, "no workarounds required," CEO Pedro Franceschi said.

Enhancing Credit Risk Prediction: A Meta-Learning Framework Integrating Baseline Models, LASSO, and ECOC for Superior Accuracy
Haibo Wang, Lutfu S. Sua, Jun Huang, Figen Balo, Burak Dolar
https://arxiv.org/abs/2509.22381

Enhancing Credit Risk Prediction: A Meta-Learning Framework Integrating Baseline Models, LASSO, and ECOC for Superior Accuracy
Effective credit risk management is fundamental to financial decision-making, necessitating robust models for default probability prediction and financial entity classification. Traditional machine learning approaches face significant challenges when confronted with high-dimensional data, limited interpretability, rare event detection, and multi-class imbalance problems in risk assessment. This research proposes a comprehensive meta-learning framework that synthesizes multiple complementary mod…

NEW PROGRAM> The Contemplative Semester (including college credit)
https://ift.tt/NgUMIw6
Lessons for the Upcoming Age of Climate Refugees: Next meeting of the ASLH Environment, Law, and…
via Input 4 RELCFP

No surprise, but the group Scattered Lapsus$ Hunters is claiming credit for the ransomware attack on Jaguar/LandRover.
https://www.bbc.com/news/articles/c4gqepe5355o?at_medium=RSS&at_campaign=rss&mid=1#cid=3062110

M&S hackers claim to be behind Jaguar Land Rover cyber attack
The hack has caused severe disruption at manufacturing plants globally, with some staff told not to come into work.

A Case for AXI
Viktor Tsyrennikov
https://arxiv.org/abs/2509.03035 https://arxiv.org/pdf/2509.03035

A Case for AXI
In the LIBOR era, banks routinely tied revolving credit facilities to credit-sensitive benchmarks. This study assesses the Across-the-Curve Credit Spread Index (AXI) -- a transparent, transaction-based measure of wholesale bank funding costs -- as a complement to SOFR, summarizing its behavior, construction, and loan-pricing implications. AXI aggregates observable unsecured funding transactions across short- and long-term maturities to produce a daily credit spread that is IOSCO-aligned and ope…

South Korea probes credit card company data breach affecting 3 million customers https://therecord.media/south-korea-probes-credit-card-data-breach

My French Family: What do you mean your Chase credit card does not demand 2FA on online purchases? That is a requirement in France
I call Chase, one of the largest banks in the world, who issues me a new credit card every year due to fraud: Nope, we don't do that🤦‍♂️
#Chase #Visa

2025 Ocean Photographer of the Year finalist photos 😍 #nature

Valve adds credit card-based age checks for UK users to access "mature content" games on Steam; Discord and others are using selfies for verification (Tom Warren/The Verge)
https://www.theverge.com/news/767980/steam-uk-age-…

Steam users in the UK will need a credit card to access ‘mature content’ games
Valve has started rolling out age verification checks for Steam users in the UK. Brits will need a credit card on their Steam account to access mature games.

Watching Somi try "Da Bomb: Beyond Insanity"... (esp. the end credit segment) is worth the view alone. 😜
▶️ JEON SOMI Kitchen Takeover Rating NYC's SPICIEST Chicken Sandwiches! |...
https://youtube.com/watch?v=2oL4AVJQCWk&si=b7qDR30KCfllSHVJ

CircuitHunt: Automated Quantum Circuit Screening for Superior Credit-Card Fraud Detection
Nouhaila Innan, Akshat Singh, Muhammad Shafique
https://arxiv.org/abs/2508.21366 https:…

CircuitHunt: Automated Quantum Circuit Screening for Superior Credit-Card Fraud Detection
Designing effective quantum models for real-world tasks remains a key challenge within Quantum Machine Learning (QML), particularly in applications such as credit card fraud detection, where extreme class imbalance and evolving attack patterns demand both accuracy and adaptability. Most existing approaches rely on either manually designed or randomly initialized circuits, leading to high failure rates and limited scalability. In this work, we introduce CircuitHunt, a fully automated quantum cir…

Credit reporting giant TransUnion has disclosed a data breach
affecting more than 4.4 million customers’ personal information.
In a filing with Maine’s attorney general’s office on Thursday, TransUnion attributed the July 28 breach to unauthorized access of a third-party application storing customers’ personal data for its U.S. consumer support operations.
TransUnion claimed “no credit information was accessed,” but provided no immediate evidence for its claim.
The d…

TransUnion says hackers stole 4.4 million customers' personal information | TechCrunch
The credit reporting giant confirmed unauthorized access to a third-party application storing the personal information of its customers, including Social Security numbers.

California Sen. Adam Schiff and U.S. Rep. Laura Friedman call on Trump to consider a federal film and TV tax credit, instead of 100% tariffs on foreign films (Katie Kilkenny/The Hollywood Reporter)
https://www.hollywoodreporter.com/business

Legislators to Trump: Consider a Federal Film and TV Tax Credit Instead
Sen. Adam Schiff and Rep. Laura Friedman, who are both attempting to pull together bipartisan bills proposing such an incentive, were quick to respond to the president on Monday.

Young Americans are increasingly turning to BNPL loans from Affirm and others, as getting approved for credit cards becomes harder in today's economic climate (Angel Au-Yeung/Wall Street Journal)
https://www.

NEW PROGRAM> The Contemplative Semester (including college credit)
https://ift.tt/QjRsrN8
Lessons for the Upcoming Age of Climate Refugees: Next meeting of the ASLH Environment, Law, and…
via Input 4 RELCFP

The ransomware gang Inc took credit for the attack on the PA Atttorney General's office
https://www.comparitech.com/news/ransomware-gang-says-it-hacked-pennsylvanias-attorney-general/

Ransomware gang says it hacked Pennsylvania’s Attorney General
Ransomware gang Inc over the weekend took credit for an August 2025 data breach at the Pennsylvania Attorney General's office.

Trans-XFed: An Explainable Federated Learning for Supply Chain Credit Assessment
Jie Shi, Arno P. J. M. Siebes, Siamak Mehrkanoon
https://arxiv.org/abs/2508.13715 https://

Trans-XFed: An Explainable Federated Learning for Supply Chain Credit Assessment
This paper proposes a Trans-XFed architecture that combines federated learning with explainable AI techniques for supply chain credit assessment. The proposed model aims to address several key challenges, including privacy, information silos, class imbalance, non-identically and independently distributed (Non-IID) data, and model interpretability in supply chain credit assessment. We introduce a performance-based client selection strategy (PBCS) to tackle class imbalance and Non-IID problems. T…

How former Food52 executive Shannon Muldoon stole $270,000 from Food52 between 2021 and 2023 by using the company's credit card for luxury clothing and travel (Charlotte Klein/The Cut)
https://www.thecut.com/article/food52-shannon-muldoon-company-…

The Food52 Exec Who Spent $270k on the Company Credit Card
Food52 executive Shannon Muldoon, 38, stole hundreds of thousands of dollars from her employer using the company credit card for clothes and travel.

Time For 9 o'clock #HashTagGames hosted by @… Let's play!
#BuyOneGetOneFree

Implementing Credit Risk Analysis with Quantum Singular Value Transformation
Davide Veronelli, Francesca Cibrario, Emanuele Dri, Valeria Zaffaroni, Giacomo Ranieri, Davide Corbelletto, Bartolomeo Montrucchio
https://arxiv.org/abs/2507.19206

Implementing Credit Risk Analysis with Quantum Singular Value Transformation
The analysis of credit risk is crucial for the efficient operation of financial institutions. Quantum Amplitude Estimation (QAE) offers the potential for a quadratic speed-up over classical methods used to estimate metrics such as Value at Risk (VaR) and Conditional Value at Risk (CVaR). However, numerous limitations remain in efficiently scaling the implementation of quantum circuits that solve these estimation problems. One of the main challenges is the use of costly and restrictive arithmeti…

Filing: credit reporting giant TransUnion discloses a data breach affecting 4.4M customers' personal info but claims "no credit information was accessed" (Zack Whittaker/TechCrunch)
https://techcrunch.com/2025/08/28/tran

TransUnion says hackers stole 4.4 million customers' personal information | TechCrunch
The credit reporting giant confirmed unauthorized access to a third-party application storing the personal information of its customers.

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#BartenderTales

NEW PROGRAM> The Contemplative Semester (including college credit)
https://ift.tt/vlgFrYK
Lessons for the Upcoming Age of Climate Refugees: Next meeting of the ASLH Environment, Law, and…
via Input 4 RELCFP

The Online Safety Act, which went into effect in the U.K. on July 25, requires any website that might have adult content to conduct age-verification checks.
According to the U.K.’s Office of Communications, or Ofcom,
users must provide proof of age
in the form of photo IDs, credit cards, photos for facial recognition software, and other so-called age gates,
or else be denied access.
Though often heralded by parents as a way to keep kids from accessing sexually…

‘Anonymity Online Is Going to Die’: What Age-Verification Laws Could Look Like in the U.S.
As controversy around the U.K.’s Online Safety Act continues, experts warn about similar legislation thriving in the U.S.

Kredete, which helps Africans abroad build credit while sending money home, raised a $22M Series A and launches Africa's first stablecoin-backed credit card (John Adoyi/TechCabal)
https://techcabal.com/2025/09/15/krede-raises-22m/

Kredete raises $22M to launch Africa’s first stablecoin-backed credit card
Kredete, a Lagos-based fintech startup, has raised $22 million in Series A funding to launch Africa’s first stablecoin-backed credit card.

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#WrestlerASongOrPoem

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#AlternativesToSpellingBees

Bengaluru-based FinBox, which provides B2B digital lending infrastructure, risk intelligence, and orchestration tools, raised a $40M Series B led by WestBridge (The Economic Times)
https://economictimes.indiati…

Digital credit infra startup FinBox raises $40 million from WestBridge Capital, others
FinBox, a digital credit infrastructure platform, secured $40 million in a funding round led by WestBridge Capital, with participation from A91 Partners and Aditya Birla Ventures. The company intends to utilise the funds to develop AI-driven solutions and expand its product offerings. Founded in 2017, FinBox enables enterprises and financial institutions to integrate financial services into their ecosystems.

A look at why the AI data center building boom could spark a financial crisis akin to 2008, including the rising use of debt financing via private credit funds (Noah Smith/Noahpinion)
https://www.noahpinion.blog/p/will-data-centers-crash-the-economy

Will data centers crash the economy?
This time let's think about a financial crisis before it happens.

Sources: JPMorgan Chase is in advanced talks to take over Apple's credit-card program from Goldman Sachs, with Apple telling JPMorgan it is its preferred choice (AnnaMaria Andriotis/Wall Street Journal)
https://www.

Time For 9 o'clock #HashTagGames hosted by @… Let's play!
#FoundInGrandmasAttic

Cardless, which lets Coinbase and others launch co-branded credit cards, raised $60M and projects annualized revenue will grow from $15M now to $150M by Q2 2026 (Emily Mason/Bloomberg)
https://www.bloomberg.com/news/articles/20