The Currency

The holiday season’s over: Time to check credit card accounts for fraud

“Holiday shopping may lead to credit card fraud that surfaces weeks later, as stolen card data is tested with small charges and reused through online transactions.”

Rare earth minerals and their role in everyday tech

“Rare earths have gained attention during recent tariff discussions. That’s not because they’re a new phenomenon, but because they’re essential to modern technology.”

The power of “ambitious budgeting”

“A study of 350 million transactions found that people with optimistic budgets, with targets below their usual spending habits, spent around 22% less than those with no budget.”

NEXT by Broadridge

Why AI Enablers are your best asset for digitalization

“The next generation of technology leaders in the workforce have to be ‘AI Enablers.’ AI Enablers think of ways to apply AI that benefit the business, solve challenges, and how to create environments that embrace change on an institutional scale.”

Headlines versus bottom lines: financial services’ cautious approach to GenAI

“Even as GenAI makes waves, the majority of executives still prioritize day-to-day transformation initiatives, such as data management, cybersecurity, cloud platforms, and human talent. The reason for this is multifold: GenAI is new, its use cases are still being figured out, and firms need the foundational technology, risk processes and staff skill set to make the most of this emerging field.”

ETFs, make room: how direct indexing is becoming investing’s low-fee future

“Direct indexing, a strategy once only available to the ultra-wealthy, is now making its way to everyday investors. Similar to the way exchange-traded funds (ETFs) revolutionized the passive investing market, direct indexing is poised to fundamentally alter the mechanism by which investors gain exposure to the public markets.”

Northwest Bank

Already Written Your Business Plan? Here’s What to Do Next

“As a small business owner, the immediate post-business-plan phase involves crucial steps that breathe life into your venture. From assembling a capable team to addressing legal requirements and securing funding, these actions are instrumental in turning your business blueprint into a realized, thriving enterprise.”

Why Treasury Management Is Your Company’s Greatest Asset

“Treasury management systems not only monitor cash flow, they can help businesses mitigate financial risk by providing them with a centralized platform to manage their cash, investments and debt.”

PNC Bank

Millennial Debt: Ways to Build Up Rather Than Dig Out

“Many millennials carry significant debt and digging out can seem impossible. What if there were ways to reduce debt and build wealth simultaneously?”

Valley Bank

What businesses need to know before committing to a payment platform

“Not every payment platform is the same. Some offer many features and flexibility but may come at a higher cost;others may have more competitive pricing at the expense of features. Business owners must do their homework to find the best deal for the right features with so many options available.”

How to make your business recession-resistant

“Payment processing has come a long way over the past two decades, when cash was king and accepting credit card payments was not yet the norm for small businesses. Not only has accepting card payments become a baseline expectation for even the smallest of small businesses, but customers also crave a seamless, convenient and tailored experience during every interaction with a business — including when it comes to payment.”

5 inexpensive steps every business should take to bolster their security

“The cost of your company’s cybersecurity efforts doesn’t tell the fully story of its effectiveness. Foundational steps toward a safer business network begin with valuable, inexpensive efforts to be more vigilant online. This applies to employees but also employers, as it’s incumbent on them to roll out the right tools. The right mix of apps, training, and infrastructure can help your business stay safe without costing a fortune.”

Voya

Tax-advantaged workplace benefits

“Although workplace retirement plans may get the most attention regarding tax-advantaged workplace benefits, they’re far from the only benefit that offers employees a way to reduce their taxable income. Other benefits, such as flexible spending accounts (FSAs) or health savings accounts (HSAs), can help employees use their pre-tax income for common expenses.”