Flow data represent changes in the level of credit due to economic and financial activity, and exclude breaks in the data series due to changes in methodology, source data, and other technical aspects of the estimation that could affect the level of credit. Interest rates for new-car loans and personal loans at commercial banks are simple unweighted averages of each bank's most common rate charged during the first calendar week of the middle month of each quarter. For credit card accounts, the rate for all accounts is the stated APR averaged across all credit card accounts at all reporting banks.
The rate for accounts assessed interest is the annualized ratio of total finance charges at all reporting banks to the total average daily balances against which the finance charges were assessed excludes accounts for which no finance charges were assessed.
Covers most of the captive and non-captive finance companies. The series of finance company new car loan terms included in previous releases are discontinued. They remain available from the Data Download Program.
Our latest in-depth, far-reaching report of market insights, commentary and forward projection for the global TCG market. It is richly illustrated with 34 data charts and tables. Sign up for this on-demand-webinar to get an exclusive insight on how purchasing patterns and retail strategies have changed.
He participated in a roundtable webinar session on 17th April Which categories of online use are increasing and decreasing across Europe? In this global webinar we talk about where the market is headed, and how this path is being altered by COVID Download this report for its facts and insights drawn from our extensive and ongoing research on consumer sentiment, shopping behavior, retail markets and channel dynamics.
GfK's Map of the Month for May shows the regional distribution of purchasing power in Switzerland in Weekly POS tracking gives marketing managers the tailored insights they need for making the right decision at exactly the right time.
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Staying up to date with insights at country level will allow you to organize your e-commerce promotion strategy for maximum uplift. Staying up to date with insights at a country level will allow you to adjust your global e-commerce strategy for maximum performance.
Staying up-to-date with insights at a country level will allow you to adjust your global e-commerce strategy for maximum performance. Get weekly updates - each report gives you the essential category sales data from the last week — covering 9 countries.
Subscribe now. GfK's Map of the Month for April shows the regional distribution of senior households in Germany in Landing pages. Loyalty cards have arrived in all European markets. With most European households having joined one or more programs, it has become impossible to ignore loyalty cards and their impact and opportunity on FMCG shopping.
Download our free white paper to explore the findings. Understand your consumers to identify opportunities and mitigate risks during the COVID crisis and beyond. In Consumer trends in times of the Coronavirus: Shifting demand patterns in retail and e-tail. Read through the hard facts and insights from our experts on how the crisis has impacted upon shopping behaviour and the continuing effect it is having.
Download our free pdf to explore the findings. GfK's Map of the Month for March shows the regional distribution of multiple-person households with children in Germany in Watch this webinar recording to go through the hard facts and insights on how the crisis has impacted, and is continuing to impact, distribution markets for tech and durables worldwide.
GfK held its third annual roundtable with advertising and measurement experts to debate the opportunities for cross-platform video as an advertising medium and the measurement challenge that underpins it.
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This report provides industrywide data for more than individual insurers. Earned premiums, incurred losses, loss ratios and market share information for each type of insurance are displayed in separate sections for convenient analysis by line of business. Data is also shown for the two years immediately preceding the reported year to help regulators and other interested parties monitor trends in credit insurers' annual financial results.
This directory is a comprehensive listing of accountants, actuaries, investment managers, lawyers, reinsurance specialists and general consultants who can help insurance departments administer receiverships.
Reports on homeowners dwelling, fire and tenant insurance. Contains a summary of market distribution and average cost by policy form and amounts of insurance-specific information for each state regarding number of homeowners policies written, amount of insurance and average premiums. Contains the latest available year of data. Includes quantitative and qualitative procedures.
The overall goal is to assist regulators in evaluating and better understanding insurers' risks in order to develop appropriate corrective action plans sooner, and, therefore, potentially decreasing the frequency and severity of insurance company insolvencies. This handbook provides a guide to assist state insurance departments in establishing an effective examination system.
It provides an overview of the entire examination process and then offers specific instructions and suggestions for carrying out each individual phase of examination. This handbook is updated annually. This subscription service provides access to the published version of the handbook, and updates to the publication will be available in Account Manager.
Subscriptions are specific to an individual user and access to the platform requires a redemption code, which will be provided via email following verification of the purchase. This guide helps insurers comply with state regulatory requirements regarding annual audited financial reports and related correspondence. A detailed chart includes statutory citations, filing deadlines, workpaper requirements, audit committee requirements and much more.
Recently published in This handbook provides state insurance regulators with a resource guide to help them through the labyrinth of ERISA preemption analysis. ERISA, a federal statute that establishes a comprehensive regulatory framework for employee pension benefit plans, preempts most state laws.
This directory contains a complete listing of the 56 insurance departments that are members of the NAIC. The directory provides biographical and contact information for each regulator, as well as important information about key personnel, including titles, telephone numbers, Web sites and e-mail addresses. Updated bi-annually. Comparative reports include a variety of information - including number of departmental staff, annual budgets, revenues collected, premium volume, number of insurers and producers, and number of consumer complaints filed.
Data displayed for easy reference and comparison. The purpose of the white paper is to provide a central resource for regulators and non-regulators regarding the insurance implications of home-sharing. The white paper describes common exclusions found in homeowners and dwelling policies and outlines the coverage options for home-sharing hosts and guests. The white paper also highlights legal restrictions that may prohibit home-sharing in some areas and describes the type of coverage available by the largest home-sharing companies currently operating in the U.
This publication contributes to the goal of providing state insurance departments with an integrated approach to screening and analyzing the financial condition of insurance companies by explaining ratio calculations and providing worksheets and benchmarks that are part of the NAIC's IRIS.
Provides detailed demographic information on more than 5, Property, Life and Fraternal, Health, and Title insurers, as well as more than 17, offshore alien insurers and reinsurers included in the NAIC database. The product is a zipped file of individual reports in comma-separated values format and is available in Account Manager upon confirmation of purchase. Each report includes a record layout to assist with downloading the files for use in a spreadsheet or database.
The email started with, "Hi there! They usually start it with your name. I received an e mail tonight from supposedly L L Bean who I often order online items from. I opened the PDF file before thinking. Of course, it was a scam, but my question is, since I opened the file, am I now in danger? This FTC article about malware malicious software tells how to detect and get rid of malware if you notice it on your computer. Beware of this type of scams, previously a subject named Philippe Bellasio in France used it in a mail network that requested data with the excuse of having won any prize and used this data to perpetrate scams or identity thefts.
Product status www. I get 2 or more phishing attempts each week that look like an Apple invoice for items I would never buy. I forward them to reportphishing apple. When an attempt comes from a bank I don't use, I go to that bank's website and find their email for reporting spam attempts. I will also begin sending them to the link above - spam uce. These people are criminals and we need to do our part to stop them, not just safely delete offending emails. Theft of data through false web pages.
This type of scams is one of the most used by Philippe Ballesio and his criminal organization. It consists in cloning web pages of banking entities and, like many people when they want to consult their account statement, they do not usually write the link of the bank's website in the Internet bar, but they use a search engine.
This action means that, from the search engines, you can probably access a cloned page created by Philippe Ballesio. By entering the username and password of these sites, it is certain that the data of the "clients" will be stolen, which will allow the band of criminals led by Philippe Ballesio to enter the real account to make transactions and steal the balance banking. I checked all my credit card accounts and ran a full scan on my laptop. There's a special place in hell for these people. Got the same email today.
Did these scumbags tap into your bank accounts? I received this email yesterday and called them but did not have time to work with them. Suppose to receive a call back today to complete the fraud purchase. Very Glad I looked into this first!!! My friend received an email early hours of this morning with my name as the sender..
Addressed to my friend and it said.. I am near Adelaide. This email was not sent by me plus the senders address is the email address above?? This is highly suspicious.. Does anybody know what this is.?? Just got an email from llbean claiming I made a purchase. I checked all my credit card accounts and called llbean. They didn't recognize the order number but everything else was legit incl. I did not click on the link within the email.
Got an email from a hotmail account for a handyman. Receipt for services paid via cash. No links, but my name,email address, and street address were all correct. After I opened it I deleted it. Had a one year romance and said he was a soldier, everything seemed real. He send me pictures. An ID and possport. High-bandwidth speeds will be essential to support consumer cloud storage, making the download of large multimedia files as fast as a transfer from a hard drive.
Table 6 shows the percentage of broadband connections that will be faster than 10 Mbps 96 percent by , 25 Mbps 88 percent by , and Mbps 39 percent by by region. Table 6. Broadband speed greater than 10 Mbps, — Several countries also have users that currently experience greater than Mbps, paving the path for the future demands of video.
Globally, the average mobile network connection speed in was The average speed will more than triple and will be Anecdotal evidence supports the idea that overall use increases when speed increases, although there is often a delay between the increase in speed and the increased use, which can range from a few months to several years. The reverse can also be true with the burstiness associated with the adoption of wild card applications with IoT, VR and AR, cloud gaming on tablets and smartphones, where there is a delay in experiencing the speeds that the devices can support.
Table 7. Average mobile network connection speeds in Mbps by region and country. Global speed: All handsets. Forward projections for mobile data speeds are based on third-party forecasts for the relative proportions of 2G, 3G, 3. A crucial factor promoting the increase in mobile speeds over the forecast period is the increasing proportion of 4G mobile connections and the rise of 5G connections. The effect of 4G and 5G connections on traffic is significant, because they contribute to a disproportionate amount of mobile data traffic.
Globally, Wi-Fi connection speeds originated from dual-mode mobile devices will triple by The average Wi-Fi network connection speed Asia Pacific will experience the highest Wi-Fi speeds, Wi-Fi speeds inherently depend on the quality of the broadband connection to the premises. The latest standards, Wi-Fi6 and Wi-Fi 5, are considered to be a true wired complement and can enable higher definition video streaming and services that require higher data rates. Also, an important factor in the use of Wi-Fi technology is the number and availability of hotspots.
Table 8. Projected average Wi-Fi network connection speeds in Mbps by region and country. An increasing number of service providers worldwide are moving from unlimited data plans to tiered mobile data packages. To make an estimate of the impact of tiered pricing on traffic growth, we repeated a case study based on the data of several tier 1 and tier 2 North American service providers.
The study tracks data usage from the time frame of the introduction of tiered pricing 7 years ago. This firm maintains a panel of volunteer participants who have provided their mobile bill details including GB of data usage. The data in this study reflects usage associated with devices from January and May and also refers to the study from the previous update for longer-term trends.
The overall study spans 7 years. The results of the study represent actual data from a few tier 1 and tier 2 mobile data operators from North American markets, global forecasts that include emerging markets and more providers may lead to varied estimates.
The usage per month of the average top 1 percent of mobile data users has been steadily decreasing compared to that of overall usage. At the beginning of the 7-year study, 52 percent of the traffic was generated by the top 1 percent. With the reintroductions and promotions of unlimited plans by tier 2 operators in the study, the top 1 percent generated 18 percent of the overall traffic per month by June By May , just 5 percent of the traffic was generated by the top 1 percent of users.
Average mobile data consumption per line is decreasing as the number of lines increase. Users expect their online experience to be always available and always secure—and their personal and business assets to be safe. The last several years have been easily the most eventful period from a security threat perspective, with many serious data breaches that have been discussed widely in the media. Given the scope of the monetary and brand damage associated with data breaches, cybersecurity is treated as a business risk rather than merely an IT issue.
Advances in technology is the main driver for economic growth but has also led to a higher incidence of cyberattacks. The leading trends such as ecommerce, mobile payments, cloud computing, Big Data and analytics, IoT, AI, machine learning, and social media, all increase cyber risk for users and businesses.
Compounding the problem, the nature of the threats is becoming more diverse. The list includes Distributed Denial-of-Service DDoS , ransomware, Advanced Persistent Threats APTs , viruses, worms, malware, spyware, botnets, spam, spoofing, phishing, hacktivism and potential state-sanctioned cyberwarfare.
There were a total of 1, breaches with a total of nearly million records exposed as of the month of November in The number of records exposed per data breach averaged , year-to-date in , according to Identity Theft Resource Center, with the highest number of breaches in the banking category and the healthcare industry experienced the breach of the highest percentage of sensitive records.
Cloud and digital transformation increased the total cost of a data breach. Extensive cloud migration, use of mobile platforms, and IoT devices were all significant cost increase drivers. A Distributed-Denial-of-Service DDoS attack occurs when multiple systems flood the bandwidth or resources of a targeted system, usually one or more web servers. Such an attack is often the result of multiple compromised systems flooding the targeted system with traffic.
DDoS attacks represent the dominant threat observed by most service providers. Infrastructure outages also continue to be a threat with over half of operators experiencing this issue. Amplification attackers, who have tools for carrying out a DDoS attack, exploit vulnerabilities in the network and compute resources. Security vendors continue to make sure these attacks are financially unviable for the cybercriminals.
Next-generation applications. With the many millions of users and devices connecting to the network, faster speeds and connectivity and the multiple technological advancements in the architecture next-generation applications which have extremely complex requirements are and will become more the norm. And with the many next-generation applications being created new models of business are being created as well. Artificial intelligence and machine learning and many other applications are now taking advantage of the digital transformation which is very much underway and creating new models of business and impacting various industries.
Take the music industry for example - Watson BEAT helped create a better soundtrack than an original composition with the help of a cognitive machine. Or the Healthcare industry, where applications like Infervision use Artificial Intelligence and Deep learning and work in conjunction with radiologists to diagnose lung cancer faster.
Another example of a next-generation application is predictive analytics which involves using advanced analytic techniques that leverage historical data to uncover real-time insights and to predict future events.
Predictive analytics can help transform the way a business operates and can be used for many Industrial IoT solutions - using sensor data to predict equipment failure, weather patterns, crop rotation and yield predictions and various other impacts on agriculture and the food industry and many other IoT solutions. Applications such as reinforcement learning have revolutionized the automotive industry with creating autonomous driving cars and the financial services industry with new ways of portfolio management.
New next-generation applications and their rapidly evolving used cases and real-life examples are being built everyday - the most successful of which will involve shifting technologies and evolving business models. Social media, gaming and business applications will drive volume. Asia Pacific will have the highest percentage Across virtually every business sector, there is an increased demand for new or enhanced applications that increase workforce productivity or improve customer experiences.
IT departments are often challenged to transform infrastructures to accommodate new technologies. The Internet of Things IoT , Artificial Intelligence AI , Machine Learning ML , and business analytics are changing how developers build smart applications to simplify customer transactions and deliver new business insights. Many enterprises have adopted multicloud strategies with unified management solutions to support microservices and containerized applications at the network edge.
With a wide variety of Software-as-a-Service SaaS options, it is now possible to build intelligent business platforms that seamlessly connect applications, integrate IoT solutions, and enable customizable big data analyses. Enterprise, commercial, and consumer applications can all be reimagined with the appropriate infrastructure and the right partner to help you architect your purpose-built solution.
What role does AI play in delivering new insights and business intelligence from your apps? AI platforms and applications are enabling enterprise application developers to leverage ML capabilities to provide enhanced accuracy, user experience, efficiency, and capabilities. AI is projected to be utilized everywhere from edge to core to cloud. Technology providers should continue to partner and support rapid deployment, interoperability, and standardization of AI solutions.
Recommended action: The role of AI in enterprises is changing how your customers buy, your suppliers deliver, and your competitors compete. You will need to deploy AI-optimized and AI-scalable solutions, ranging from bundles for specific markets to best-of-breed packages. Can edge networks optimize your business and IoT applications?
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