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THE PAYMENTS ECOSYSTEM: The biggest shifts and trends driving short- and long-term growth and shaping the future of the industry

  • The power dynamics in the payments industry are changing as businesses and consumers shift dollars from cash and checks to digital payment methods.
  • And change is trickling down into bigger industries long-dominated by cash and check, like remittances and business-to-business payments.
  • While demand for richer payments offerings is creating opportunities across the space, it's also leaving the industry in search of ways to adapt to change that is putting trillions in volume and billions in revenue up for grabs.
  • In this report, Business Insider Intelligence examines the payments ecosystem today, its growth drivers, and where the industry is headed.
  • The report also forecasts growth and defines drivers for key digital payment types through 2024.
  • Finally, it highlights three trends that are changing payments, looking at how disparate factors, such as new market entrants and surging fraud, are sparking change across the ecosystem.

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5 ways to leave your family money outside of your will

  • If you fail to name a beneficiary on your life insurance policy, the death benefit will likely be paid to your estate and have to go through probate before any of your loved ones can get access to it.
  • Other non-retirement investment accounts that hold stocks, bonds, or mutual funds can also be transferred upon the death of the owner to a named beneficiary.
  • As such, the assets held in a trust — which can be anything from investment accounts to real estate to a fine art collection — are transferred to beneficiaries upon your death according to your exact wishes.
  • Money held in bank accounts are generally subject to probate unless the account is placed in a trust or holds a payable-on-death (POD) designation.
  • Again, property that passes to the joint owner avoids probate and is not accessible to other beneficiaries of the deceased person's estate or creditors.

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Fox News' Jesse Watters sparked a wave of backlash after he claimed female journalists trade sex for scoops 'all the time'

  • Fox News' Jesse Watters elicited backlash after claiming that it's common for female journalists to trade sex for a scoop.
  • He made the comments on Wednesday's episode of the daily talk show "The Five" in response to the controversy surrounding the upcoming movie "Richard Jewell," which depicts a female journalist sleeping with a source to get information for a story, Jeremy Barr reported for The Hollywood Reporter.
  • Female journalists sleep with sources "all the time," Watters said, citing the romantic relationship New York Times' reporter Ali Watkins had with a top government staffer while reporting on national security.
  • "This is a really disgusting, baseless charge, and one Fox should denounce for the sake of its own female reporters," tweeted conservative CNN anchor S.E. Cupp.

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Al Jazeera is feuding with Facebook over a plan to label some outlets 'state controlled'

  • According to the language used in the announcement, Facebook's initiative defines these organizations as those which are "wholly or partially under the editorial control of their government." Al Jazeera Media Network — along with other news organizations like Russia Today — is facing the possibility of this label.
  • The social network says media companies that fall into this category need to be held to a higher standard of transparency as "they combine the opinion-making influence of a media organization with the strategic backing of a state." But the companies feel they've received no transparency from Facebook as it builds out this list of state-controlled media organizations.
  • A late-November letter from AJMN to Facebook outlines how detrimental the network feels this label would be to its reputation as a news source.

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THEN AND NOW: The cast of 'Not Another Teen Movie' 18 years later

  • After starring in "NATM," Leigh landed roles on shows like "Girls Club," "The Practice," and "Reunion." She joined ABC's "Grey's Anatomy" during season three as Lexie Gray, the younger half-sibling of Meredith Grey.
  • She's guest-starred on shows like "The Twilight Zone" and "Entourage" and appeared in movies like "I Love You, Man" and "Bad Girls." Her role as Joy Turner on "My Name is Earl" earned her a Primetime Emmy in 2007 and a Golden Globe nomination.
  • Olsen went on to star in movies like "The Hot Chick," "Dumb and Dumberer: When Harry Met Lloyd," and "License to Wed." He also teamed up with Evans again for the 2004 thriller "Cellular" with Jason Statham and Kim Basinger.
  • The actor also appeared on shows like "Brothers & Sisters" and "Community." Olsen joined "NCIS: Los Angeles" in 2010 and the series is now in its 11th season.

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When I became my parents' caregiver, spending less than $20 a month on life insurance was a no-brainer

  • I first seriously considered that possibility when I became responsible for the lives of other human beings — and that's when I bought a term life insurance policy worth $100,000.
  • A mouth swab later (to confirm that I was a non-smoker), and I was the holder of a $100,000, 20-year term life insurance policy that cost me $12 a month, automatically deducted from my checking account.
  • By the time I purchased that effortlessly cheap life insurance policy those many years ago, I'd already done some adult things.
  • Fast forward 20 years, and my parents are no longer the beneficiaries of my life insurance policy.
  • As is the rule with term life insurance policies, that attractively low premium comes with an expiration date.
  • For the record, there's one thing I do know: Having a life insurance policy doesn't make me worry any less about the plane crashing.

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Ex-Apple store employees reveal the biggest mistakes customers make at the Genius Bar

  • Here's a look at some of the most common mistakes people make when coming in for repairs, based on interviews with several people who have worked at the Apple Store.
  • Forgetting or not having access to their iCloud password is another typical issue Apple Store employees must help customers deal with, said CJ Ryan, who worked at the Apple Store for two years, and a former Apple employee of four years.
  • Helping customers reset their iCloud password can also be difficult when Genius Bar patrons forget their email password, said Ryan.
  • Even though it's not part of their job, Apple Store workers will usually try to be helpful in this situation anyhow, according to Ryan.
  • The ex-employee who worked at the Apple Store for four years said customers would sometimes come in with shattered phones and make excuses about how the accident happened.

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An Ohio lawmaker admitted he hadn't researched ectopic pregnancies before proposing an abortion restriction bill

  • A proposal for an Ohio abortion restriction introduced to the state's legislature in November prompted backlash for its suggestion that doctors could re-implant ectopic pregnancies – which experts say is impossible.
  • Anti-abortion lobbyists worked with Ohio state Representative John Becker to write a proposal that includes allowing medical insurance to cover doctors attempting to re-implant ectopic pregnancies in the uterus, the Cincinnati Enquirer reports.
  • Becker told Business Insider that the ectopic provision "was included in the bill to allow insurance companies to cover that procedure if they choose to do so," and said just because it isn't standard procedure doesn't mean it's impossible.
  • The anti-abortion activists using the ectopic procedure example cite two studies that report successfully performing a re-implantation.

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Sophia Hutchins set the record straight on her relationship with Caitlyn Jenner, saying they never dated

  • Since 2017, tabloids have romantically linked the 23-year-old beauty entrepreneur with 70-year-old Jenner, reported Ben Widdicombe in a profile on Hutchins for The New York Times.
  • In it, Hutchins commented on their relationship for the first time.
  • But Hutchins told Widdicombe they've "been great friends ever since" a makeup artist they were both working with introduced the two.
  • Hutchins, who the Times notes initially identified as a gay man before transitioning in 2016, hired the make-up artist as part of her post-transition glam squad, Widdicombe wrote.
  • Hutchins' and Jenner's relationship has been mutually beneficial, according to Widdicombe's reporting: Hutchins became Jenner's manager and moved into her Malibu home, while Jenner helped Hutchins get meetings to develop her upcoming beauty product, Lumasol.
  • Hutchins was recently called Jenner's "close friend" on the "Coming Out" TV special of UK reality TV show, "I'm a Celebrity ...

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40 Big Tech Predictions for 2019

  • Digital transformation has arrived.
  • Not a single industry is safe from the unstoppable wave of digitization that is sweeping through finance, retail, transportation, and more.
  • And in 2019, there will be even more transformative developments that will change our businesses, careers, and lives.
  • Business Insider Intelligence, Business Insider's premium research service, has put together a list of 40 Big Tech Predictions for 2019 across Apps and Platforms, Digital Media, Payments, The Internet of Things, E-Commerce, Fintech, Transportation & Logistics, and Digital Health.
  • This exclusive report can be yours for FREE today.

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