Sunday, January 24, 2021

Microsoft says a Sony deal with Activision stops Call of Duty coming to Game Pass

From 2000 to 2004, farm real estate increased between 1.3% and 5.3%. A snow plow clears snow from the road on Friday, Nov. 18, 2022, in Buffalo, N.Y. A dangerous lake-effect snowstorm paralyzed parts of western and northern New York, with nearly 2 feet of snow already on the ground in some places and possibly much more on the way. Cars covered in snow are seen downtown Friday, Nov. 18, 2022, in Buffalo, N.Y. A dangerous lake-effect snowstorm paralyzed parts of western and northern New York, with nearly 2 feet of snow already on the ground in some places and possibly much more on the way. A car sits in a snowdrift Friday, Nov. 18, 2022, in Buffalo, N.Y. A dangerous lake-effect snowstorm paralyzed parts of western and northern New York, with nearly 2 feet of snow already on the ground in some places and possibly much more on the way. A person crosses Ellicott Street as snow falls Friday, Nov. 18, 2022, in Buffalo, N.Y. A dangerous lake-effect snowstorm paralyzed parts of western and northern New York, with nearly 2 feet of snow already on the ground in some places and possibly much more on the way.

That way, in the Obama administration’s view, the agency could avoid political influence and be funded similarly to other banking regulators. But Republicans have chafed at what they view as anti-business practices and a lack of oversight. In addition to the lack of satisfaction with the way democracy is working, Californians are divided about whether Americans of different political positions can still come together and work out their differences. Forty-nine percent are optimistic, while 46 percent are pessimistic. Optimism has been similar in more recent years, but has decreased 7 points since we first asked this question in September 2017 (56%). In September 2020, just before the 2020 general election, Californians were also divided (47% optimistic, 49% pessimistic).

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Run free and laugh until your belly hurts atTerraPark®, a natural playground, or explore Meeder’s many miles of walking trails. But even if Call of Duty stays on PlayStation, Sony could still lose out on serious revenue if Microsoft offers the title on Xbox Game Pass. Microsoft previously claimed that Sony is paying for “blocking rights” to keep some games off Xbox Game Pass and now says that’s the case with Call of Duty. “The agreement between Activision Blizzard and Sony includes restrictions on the ability of Activision Blizzard to place Call of Duty titles on Game Pass for a number of years,” says Microsoft in its filings.

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This can positively impact all types of business owners, but especially those underserved by traditional financial service models. We advocate for modernized financial policies and regulations that allow fintech innovation to drive competition in the economy and expand consumer choice. FTA The Financial Technology Association represents industry leaders shaping the future of finance. We champion the power of technology-centered financial services and advocate for the modernization of financial regulation to support inclusion and responsible innovation. With about two weeks to go before Governor Newsom’s bid for reelection, a majority of Californians (54%) and likely voters (52%) approve of the way he is handling his job, while fewer disapprove (33% adults, 45% likely voters).

Microsoft is building an Xbox mobile gaming store to take on Apple and Google

As an example, the National Consumer Law Consumer recently put out a new report that looked at consumers providing access to their bank account data so their rent payments could inform their mortgage underwriting and help build credit. Open finance technology enables millions of people to use the apps and services that they rely on to manage their financial lives – from overdraft protection, to money management, investing for retirement, or building credit. More than 8 in 10 Americans are now using digital finance tools powered by open finance. This is because consumers see something they like or want – a new choice, more options, or lower costs. The new court decision comes as the CFPB, under Biden-appointed director Rohit Chopra, has taken a more aggressive stance toward the financial industry than his Trump administration predecessors. That includes a growing focus on fintech products such as algorithmic lending and “buy now, pay later” arrangements.

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You can see it on paper and say, “Oh, the business has grown bigger, and that must mean there are more customers,” but the cloud and our relationship with these enterprises is now very much a C-suite agenda. At Plaid, we believe a consumer should have a right to their own data, and agency over that data, no matter where it sits. The CFPB's recent kick off of its 1033 rulemaking was particularly encouraging as is the agency’s commitment to strong consumer data rights and emphasis on promoting competition. This will be essential to securing benefits of open finance for consumers for many years to come.

California’s Likely Voters

What we see a lot of is folks just being really focused on optimizing their resources, making sure that they're shutting down resources which they're not consuming. The motivation's just a little bit higher in the current economic situation. You do see some discretionary projects which are being not canceled, but pushed out. These kinds of challenging times are exactly when you want to prepare yourself to be the innovators … to reinvigorate and reinvest and drive growth forward again. We've seen so many customers who have prepared themselves, are using AWS, and then when a challenge hits, are actually able to accelerate because they've got competitors who are not as prepared, or there's a new opportunity that they spot.

Intuit also has constructed its own systems for building and monitoring the immense number of ML models it has in production, including models that are customized for each of its QuickBooks software customers. Sometimes the distinctions in each model are minimal — one company might label certain types of purchases as “office supplies” while another categorizes them with the name of their office retailer of choice, for instance. “That is the biggest gap in the tech industry right now,” said Nicola Morini Bianzino, global chief client technology officer at EY. The auditing firm has thousands of models in deployment that are used for its customers’ tax returns and other purposes, but has not come across a suitable system for managing various MLops modules, he said.

Mobile gaming's surprising slump is dragging down the game market

Shares expressing satisfaction have increased somewhat from a month ago (53%) and were similar prior to the 2018 gubernatorial election (60% October 2018). Today, a solid majority of Democrats (79%) and independents (61%) say they are satisfied, compared to fewer than half of Republicans (44%). Majorities across demographic groups say they are satisfied, and notably, women (68%) are more likely than men (56%) to say this. Majorities across the state’s regions say they are satisfied with their choices of candidates in the upcoming gubernatorial election. Californians are much more pessimistic about the direction of the country than they are about the direction of the state.

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This month, we were due the CMA's October "issues statement" - and it seems that this is the document to which Microsoft has now publicly responded.

Xbox Game Pass is also at the heart of the ongoing battles between Microsoft and Sony over Call of Duty. Sony is arguing that Microsoft could take Call of Duty away from PlayStation entirely, while Microsoft says that wouldn’t make business sense. This disagreement has spilled out into a public war of words between Sony’s PlayStation chief and Microsoft’s head of Xbox, but the real conflict is happening behind closed doors. Epic Games CEO Tim Sweeney welcomed Microsoft’s first hints at an open app store model in 2019 ahead of a giant battle between Epic and Apple a year later that saw Fortnite disappear from iPhones.

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The opportunity is still very much in front of us, very much in front of our customers, and they continue to see that opportunity and to move rapidly to the cloud. We see the benefits of open finance first hand at Plaid, as we support thousands of companies, from the biggest fintechs, to startups, to large and small banks. All are building products that depend on one thing - consumers' ability to securely share their data to use different services.

Fintech focus

Nearly half of fintech users say their finances are better due to fintech and save more than $50 a month on interest and fees. Fintech also arms small businesses with the financial tools for success, including low-cost banking services, digital accounting services, and expanded access to capital. We present results for non-Hispanic whites, who account for 41 percent of the state’s adult population, and also for Latinos, who account for about a third of the state’s adult population and constitute one of the fastest-growing voter groups. We also present results for non-Hispanic Asian Americans, who make up about 16 percent of the state’s adult population, and non-Hispanic African Americans, who comprise about 6 percent. Results for other racial/ethnic groups—such as Native Americans—are included in the results reported for all adults, registered voters, and likely voters, but sample sizes are not large enough for separate analysis.

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While regulators and companies can occasionally come into conflict, the agencies also serve an important role in providing rules of the road and certainty for business models. If the decision casts further uncertainty around CFPB’s existing regulation, that’s probably bad for business. What the ruling means for the fintech industry remains to be seen. Should it hold up long term, a lack of resources could hamper the CFPB’s pledge to supervise a broader group of fintech businesses.

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