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And I think as consumers get into tighter positions and their credit becomes tighter, they're more likely to be using debit and cash. David Morris:. That there could be a switch to debit and cash and those that are using credit cards and doing so in an increasingly and healthy manner, you're going to increase risk.

And then other things like not letting folks build applications for political campaigning and lobbying amongst some other things. What do you make of OpenAI's election safeguards? Yory Wurmser:. First of all, they're incredibly important. You already saw it a week ago or so with the fake robocall using Biden's voice in New Hampshire.

In turn, Amazon developers can use Claude 2 to create new applications for its customers and enhance existing ones. As part of the deal, Amazon gets a minority ownership of the company and will incorporate Anthropic's technology in various products that it has across its business, including Amazon's Bedrock service for building AI applications. That's what's going on.

Among those who were weekly cash users before the pandemic, 52% said they are using it less, and 32% of those who used cash and checks weekly reported decreasing their use, according to Payments Canada polling published in September 2021. While this decline is fastest at the point-of-sale鈥攑ersonal services and P2P payments remain top cash and check use cases鈥攊t carries across the board.

So if they do go out somewhere, they need to have a phone for emergencies or in case they need to get in contact with their kids or whatever, they can take that phone out with them as opposed to the device that has maps they won't need, the Uber Eats app they won't need, the TikTok app they won't need, the emails they're getting from work that they won't need to get in that moment.

For instance, a traditional human generated ad for the bank read, access cash from the equity in your home. The AI generated version which didn't have the subjectiveness of the marketer read, it's true, you can unlock cash from the equity in your home and it performed better. Marcus Johnson:.

App-azon. Marcus Johnson:. Amazon, okay. Ross Benes:. No, App-azon. It doesn't exist now. 2026-. Marcus Johnson:. Oh, App-azon. Oh, okay, I see what you've done. Ross Benes:. Yeah. Marcus Johnson:. Good God. Okay. Max, we've not... Yeah, I thought OpenAI, I thought ChatGPT rules the world was going to be at least one of these.

Consumers want controlling connectivity in the apps they use while expecting personalized customer experiences. This is driving advancements in open finance, allowing customers to securely manage personal data and money matters on their own terms.

The X app is supposed to be. And if you look outside of the US borders, in particular in Asia, China particularly, those types of super apps exist and they have huge customer adoption. Tons of users. They provide an amazing amount of utility to the people who use them. And really, in the US there is no equivalent app that does as many things as some of those apps do in different parts of the world.

On today's episode, we discuss some predictions for 2023 that are too specific to be 100% certain but could still come true, including: why Microsoft would want to buy Roku, whether TikTok will make a splash in search advertising, who will be the runaway retailer of the year, if Instagram's new Twitter competitor app will be a hit, and more. Tune in to the discussion with our analysts Debra Aho Williamson, Andrew Lipsman, and Paul Verna.