3 Low-Volatility Stocks for Cautious Investors
Simmons scores 19 as Gardner-Webb takes down SE Louisiana 73-69
Generative AI (GenAI) is changing the game for businesses and becoming a new tool for fraudsters. Regulating AI and expanding the role of technology actors in the financial services sector is essential to curb the evolution of fraud. According to the 2024 State of Scams Report by & , banking fraud and scams led to losses of US$1 Trillion Globally. These significant losses highlight that it is more important than ever for banks to stay one step ahead of criminals. Banks need to shift from responding to fraud to preventing it. With existing tactics like social engineering, access to sensitive information released on the dark web due to data breaches, social media, and stolen banking data, fraudsters can massively enhance their scams. Not only can fraudsters create new identities faster, but GenAI also lends these identities greater credibility. The ability to create fake images, videos, or even false voice recordings allows fraudsters to construct a character with its own fabricated identity from scratch. With the capacity to pass authentication checks, generative AI becomes a powerful tool for financial crime. In this context, banks will be tempted to question the authenticity of every interaction as these tools become more widespread and advanced. Thanks to generative AI, call centers can now quickly gather information about their targets, learn organizational operations, and tailor attacks to specific banks. This is particularly concerning for new account fraud and account opening requests. Criminals can use GenAI tools to learn the different layouts and steps of a bank’s screens. With this knowledge of how different organizations function, criminals can write scripts to quickly fill out forms and create seemingly credible identities to commit account opening fraud. Banks will no longer only need to ask, “Is this the right person?” but also, “Is my client human or AI?” Businesses need advanced fraud prevention tools to protect themselves against AI-driven threats. AI-powered fraud detection systems enable organizations to analyze vast amounts of transaction data in real-time, uncover hidden patterns and warning signals that traditional methods might miss. Alerts generated by AI should include clear explanations so that human analysts can understand the reasoning behind potential issues and make informed decisions. AI algorithms can be biased and require constant monitoring and improvement. This is why human expertise remains a crucial element in AI-based decision-making. Banks can use AI to take proactive measures by predicting future risks through risk assessment. However, banks using AI for credit evaluation or fraud detection, among other applications, must ensure their systems are effective, ethical, transparent, and accountable. Collaboration is becoming key, as banks are increasingly joining forces with other financial institutions, including fintechs and regtechs. The goal is to share data and knowledge to strengthen defenses against cross-border fraud systems. However, banks are hesitant to share information if they fear exposing themselves to legal issues. To improve data sharing and collaboration, regulators must clarify or ease their stance toward banks. The goal is collaboration, but greater clarity is needed at the highest levels to ensure data is shared correctly. Financial institutions can also optimize resource allocation with data-driven insights, focusing their attention on high-risk cases. This reduces the need for exhaustive manual investigations into every transaction, allowing teams to prioritize their efforts effectively. As a result, organizations can enhance efficiency and reduce costs by preventing the most significant fraud cases. Banks need AI and machine learning to detect and prevent fraud in real-time. Fraud analytics not only help reduce potential losses but also build customer trust in their banks. Fraud analytics combines artificial intelligence (AI), machine learning, and predictive analytics for advanced data analysis, enabling banks to process large volumes of data and quickly derive insights to respond in real-time to suspected fraud. Based on our experience with US banks, these banks are now able to detect half of potentially fraudulent transactions. However, the use of AI and machine learning has enabled them to detect 60% of fraud, preventing millions in potential fraud losses. Additionally, GenAI capabilities have reduced false positives by 40%, allowing banks to provide a more transparent and frictionless customer experience. In the era of big data, banks can no longer rely solely on traditional rule-based systems to detect fraudulent transactions. Fraudsters quickly learn a bank’s rules and find ways to commit fraud without being detected. Each new fraud tactic brings new learning, pushing banks into an endless game of cat and mouse. For banks and financial institutions, the evolving regulatory landscape around AI presents both challenges and opportunities. On one hand, institutions must be agile in updating their AI-driven processes to comply with new guidelines while considering potential liabilities. On the other hand, adherence to these principles can strengthen customer and stakeholder trust, which is highly valuable in the financial world. Xin Ren is Senior Director of Data Science at She has been working in the Financial industry for over 10 years and specialized in delivering AI-based strategy and bringing data science best practices to the clients. | | | | | |This Construction Stock Has Nearly Tripled This Year. Can It Keep Gaining in 2025?Hail Flutie: BC celebrates 40th anniversary of Miracle in MiamiThe AP Top 25 men’s college basketball poll is back every week throughout the season! Get the poll delivered straight to your inbox with AP Top 25 Poll Alerts. Sign up here . CANCUN, Mexico (AP) — Darryl Simmons II scored 19 points to help Gardner-Webb defeat SE Louisiana 73-69 on Tuesday. Simmons shot 7 for 13 (2 for 5 from 3-point range) and 3 of 3 from the free-throw line for the Runnin’ Bulldogs (3-3). Pharell Boyogueno scored 15 points while going 6 of 13 (3 for 7 from 3-point range) and added seven rebounds and four steals. Anthony Selden shot 6 of 10 from the field and 3 of 6 from the free-throw line to finish with 15 points. Jeremy Elyzee led the Lions (2-4) in scoring, finishing with 22 points, three steals and two blocks. Sam Hines Jr. added 12 points, seven rebounds, six assists and four steals. Jakevion Buckley finished with 11 points, four assists and three steals. ___ The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .
Jacob Holt scores 23 to help Sacramento State beat Stanislaus State 98-47
I have a confession: I’m a rampant roguelike uninstaller. Almost invariably, I reach a point with games like Balatro , Dead Cells , or Hades when, watching my playtime balloon, I feel the need to remove the temptation to play the game. Roguelikes, almost by definition, pursue an addictive structure that reviewers often describe as the “one more run” feeling, wherein the player feels compelled to begin the loop again (and again, and — you get it). Another common phrase you’ll hear tossed around is the idea that you “lost time” to a game, as though the game has tricked you into giving it more of your life than you were consciously willing to give. For me, this kind of compulsive play leads to something I’ve started to think of as “roguelike dread,” or the feeling that I really need to move on from a potentially infinite game lest it completely take over my life. Usually, that is when I delete it. Now, clearly this is a me problem. There are undoubtedly people with better impulse control, and there are doubtless people for whom this feeling of “losing” time to a game is experienced not as dread but as joy. ( Infinite gameplay for 20-30 bucks? That’s a steal. ) Still, a cursory Googling suggests that I’m not alone in my experience of roguelike dread, of feeling like these games are so engaging as to be all-consuming. So, to my fellow roguelike uninstallers, I am here to say to you: Download Windblown — it’s so good. Windblown , the newest game from Dead Cells developer Motion Twin, was released in early access in late October. Trading the sidescrolling, pixel art vibe of Dead Cells for a top-down, cel-shaded romp through skybound islands, Windblown succeeds at feeling both distinct from Motion Twin’s last effort and close enough in spirit that it’s easy to sink into its loop. True to form, the game is plenty challenging and, even in early access, already offers substantial meta-progression unlocks to keep each run feeling fresh. Combat is the star here, with a new emphasis on chaining different attacks for maximum damage. The soundtrack is also catchy as hell, equal parts synth and rock, with a vocal track that never fails to get me hype when it comes in. Even in what feels like a very early build, design-wise, Windblown clearly has what it takes to keep you playing for days, months, and years on end. Time for another admission, though: I don’t like playing roguelikes in early access. The reason is probably obvious, given all that I’ve already written. I know myself, and I know that I burn out on these types of games, so I’m loath to put time into something that is unfinished, fearful of the idea that I won’t want to come back to it when it reaches 1.0. I put down Hades 2 earlier this year for this exact reason. Everything in me wanted to keep pressing forward, but whenever I saw placeholder art or read the game balance changelog, I felt this nagging feeling that I should save my stamina for when the game is “complete.” Roguelike dread is inevitable for me, and so I’ve found it best to wait out a game until at least 1.0, if not later. Or so I thought. Windblown can be a great single-player experience, but as the game’s marketing will readily tell you, that is definitely not the point of Windblown . The point is two-to-three-player co-op. The point is tackling the game’s sky-high challenge with a friend or two. The point is to lose time together . So once more to my fellow roguelike uninstallers, I am here to say to you: No, seriously — Windblown , get on it, it’s great. Here’s the thing: Windblown is not the first multiplayer roguelike. Not by a long shot. Somewhere out there, a Risk of Rain 2 player is pulling their hair out reading this, which, if you are, please stop. I see you, and I honor you. Even The Binding of Isaac , after all these years, just added online co-op. I’m not here to claim that Windblown is the first, nor even the best, multiplayer roguelike. What I am here to claim is that it was my first multiplayer roguelike, and because of that, it came with a revelation: The answer to roguelike dread is other people. Usually, playing a roguelike, I begin asking myself questions like “Has this become a waste of my time?” or “Are there other games I’d rather be playing right now?” More generally, I might start to feel that creeping sensation that I’m spending too much time on a single thing. Indeed, I do get a bit of that feeling when playing Windblown as a single-player game. It’s a roguelike, after all, and I’ve already laid out my personal mental hurdles when it comes to the genre. Any loop, no matter how pleasant, eventually gives way to the feeling that I want out of it. Unless, it turns out, I’m not the only one in the loop. I won’t extol the joys of multiplayer gaming to an audience well versed in such things, but I will say this: It was comical to me how quickly and how completely my worrying over “losing time” or feeling addicted to a roguelike dissipated when it was something I was sharing with a close friend. Instantly, I no longer cared whether this early build would feel incomplete compared to 1.0. All I cared about was chatting about our workdays and strategizing over who picked up what item when. Suddenly the time I spent on the game felt less like a personal indulgence and more like an interpersonal investment. What did we care if the game changed tomorrow? The time spent together would be worthwhile no matter how many digits came after the pre-release version number. The game was a social vehicle as much as it was a random number generator, and it was all the richer for it. For me, playing Windblown was a good reminder to me to open up my gaming experiences to other people. The world can sometimes feel lonely and punishing, and so can roguelikes. But when you travel the path with other people, success feels more within reach. Or if not success, then at least a valiant effort that you can laugh about together. Even failure feels better when someone else is there to pick you back up again. Even as a rampant roguelike uninstaller, I have not yet deleted Windblown . In fact, I don’t feel compelled to in the least. Instead, I’m looking forward to the next update and checking it out with a friend, seeing what new obstacles we might overcome together. Absent in my experience is dread, replaced with a sense of shared possibility. Windblown was released Oct. 24 in early access on Windows PC. The game was played using a download code purchased by the author. Vox Media has affiliate partnerships. These do not influence editorial content, though Vox Media may earn commissions for products purchased via affiliate links. You can find additional information about Polygon’s ethics policy here . Gaming Impressions PC Windblown
Her Bolton born fiance Jake Ankers announced on social media that a group of men carrying a machete entered their home on Thursday evening while they were in the house with their two-year-old daughter. Crosby, who is nearly eight months pregnant, thanked those who have sent their support to the couple in an Instagram Story post on Saturday. The reality TV star, 34, wrote: “I’m typing this I’m laid in hospital. Baby is all fine, thank you for all the messages!” She added: “This month has had misfortune after misfortune. I want to thank you all for your kind messages about the break-in the other night. READ MORE: Charlotte Crosby and Bolton fiance back on screens Geordie Shore's Charlotte Crosby shows fans around her Bolton home “Still something I’m really struggling to come to terms with.” Ankers also posted a photo of Crosby lying in a hospital bed to his Instagram Story, saying she had been “rushed in to hospital” as the TV star had been experiencing “serious pains in her stomach”. The businessman thanked their followers for reaching out and their local community for being “fantastic” since the burglary attempt. Ankers, who appeared with the reality star on BBC Three reality show Charlotte In Sunderland, previously said the thieves “tried to rob my house with my two-year-old and my partner who is nearly eight months pregnant, armed with a machete”. He said one of the four men “had a red balaclava on” and was carrying the weapon at the top of the stairs. Durham Constabulary were alerted at 7pm on Thursday to reports of an aggravated burglary in Houghton-le-Spring, a town in the Sunderland area. A spokeswoman for the force said: “Officers attended the area however the suspects left the scene before their arrival. “Nobody was injured in the incident and no items are believed to have been taken.” She added that an investigation is under way and anyone with information is asked to contact police. Crosby is best known for appearing in the MTV reality series Geordie Shore and winning the 12th series of Celebrity Big Brother in 2013. She and Ankers got engaged in October 2023 after she gave birth to their first child in 2022.Showers and a few storms are possible Thanksgiving Day
Revolutionizing the Green Hydrogen Market: City of Lancaster and City of Industry Launch First Public Hydrogen (FPH2)–the First Public Hydrogen Utility LANCASTER, Calif., Dec. 12, 2024 /PRNewswire/ — The City of Lancaster is proud to announce the launch of First Public Hydrogen (FPH )—a new public renewable hydrogen utility. FPH is designed to transform the renewable hydrogen market by connecting producers with reliable off-takers through a seamless, transparent process. Mayor of the City of Lancaster, and Chair of the FPH Board of Directors, said : “First Public Hydrogen is the next step in that journey. I am honored to serve as chair of the FPH board, and alongside leading experts from across government, industry, academia, and labor unions. I am ready to bring the same level of dedication and innovation that brought the rise in renewable hydrogen technologies we see in Lancaster, to the rest of California.” FPH is a joint powers authority (JPA) between the City of Lancaster and the City of Industry, California. Currently, there exists a significant disconnect: large off-takers of renewable hydrogen seek seamless purchasing without the burden of project vetting, while producers face significant upfront investment challenges. FPH bridges this gap to foster collaboration and drive market growth. FPH bridges this gap, fostering collaboration to drive hydrogen market development and growth. , Mayor of the City of Industry, said : “This groundbreaking initiative reflects our commitment to innovation and sustainability while fostering economic growth. By creating a transparent and scalable hydrogen utility, FPH2 positions our region and California as leaders in the clean energy revolution. Together, we are paving the way for a future powered by renewable green hydrogen.” The public utility will work to connect renewable hydrogen producers, including those producing through solar energy, wind energy, and renewable natural gas, with confirmed and reliable buyers that have plans to leverage renewable hydrogen’s decarbonization potential across several industries, including shipping and ports, transportation, and the power sector. The FPH Board of Directors will be chaired by City of Lancaster Mayor R. Rex Parris. Mayor Parris has been a leader in renewable hydrogen developments and is a key figure in the transformation of Lancaster into a global leader in clean and renewable hydrogen technology. Other board appointees will include experts with deep renewable hydrogen knowledge including: Aura Vasquez, Vasquez Solutions; Joël Barton, International Brotherhood of Electrical Workers; Jack Brouwer, National Fuel Cell Research Center, University of California, Irvine and; Tanya Peacock, EcoEngineers. The day-to-day operation of FPH will be led by CEO Jason Caudle, General Counsel Allison Burns, and Assistant Director Alexus Merino. Director of the Clean Energy Institute at UC Irvine and Board Member of FPH2, said : “Green hydrogen technologies and infrastructure have been ready, but they’ve remained largely untapped due to the absence of a robust market. FPH2 will catalyze and develop a sustainable hydrogen market, transforming the energy landscape and paving the way for a clean energy future. I am thrilled to play a role in this revolutionary shift and to contribute to the growth of this vital market.” the latest news shaping the hydrogen market at Revolutionizing the Green Hydrogen Market: City of Lancaster and City of Industry Launch First Public Hydrogen (FPH2)–the First Public Hydrogen Utility, Axpo and partners launch further green hydrogen plant 13.12.2024 – A ground-breaking ceremony was held today by Axpo and its partner shareholders in the H2Uri company to mark the start of construction on a new... Hydrom and thyssenkrupp nucera Collaborate on Developing Oman’s Green Hydrogen Industry Hydrom and thyssenkrupp nucera sign Memorandum of Understanding to explore the potential of localization of assembly and service... DH2 Energy will invest 2,25 billion to develop 1,5 GW of green hydrogen in Extremadura In Extremadura, DH2 Energy’s most advanced project under development is the Raviza plant, located in the municipalities of...The 39-year-old has been a breath of fresh air since succeeding Erik ten Hag, with his personality and approach, coupled with promising early performances, bringing hope back to Old Trafford. Amorim has been touched by his warm welcome but repeatedly urged fans to avoid jumping the gun, having followed a draw at Ipswich with home wins against Bodo/Glimt and Everton. Wednesday’s trip to Arsenal is comfortably his biggest challenge yet and victory would see United move within three points of the Premier League title contenders. Put to Amorim it will be hard to manage expectations if they won in the capital, the head coach said: “I would like to say different things, but I have to say it again: the storm will come. “I don’t know if you use that expression, but we are going to have difficult moments and we will be found out in some games. “And I know that because I’m knowing my players and I know football and I follow football, so I understand the difference between the teams. “We are in the point in that we are putting simple things in the team, without training, and you feel it in this game against Everton, they change a little bit the way they were building up. “They are very good team, and we were with a lot of problems because we cannot change it by calling one thing to the captain. A midweek trip to the capital awaits 🚆 #MUFC || #PL pic.twitter.com/1e6VrILJW3 — Manchester United (@ManUtd) December 3, 2024 “So, we don’t have this training, so let’s focus on each game, on the performance, what we have to improve, trying to win games. And that is the focus. “I know it’s really hard to be a Manchester United coach and say these things in press conferences. We want to win all the time. No matter what. “We are going to try to win, but we know that we are in a different point if you compare to Arsenal. “So, it is what it is and we will try to win it and we go with confidence to win, but we know that we need to play very well to win the next football match.” The trip to Arsenal is the second of nine December matches for United, who are looking to avoid suffering four straight league defeats to the Gunners for the first time. The Red Devils have not won a Premier League match at the Emirates Stadium since 2017, but Amorim knows a thing or two about frustrating Mikel Arteta’s men. Arsenal thrashed Sporting Lisbon 5-1 in the Champions League last week, but in 2022-23 he led the Portuguese side to a Europa League last-16 penalty triumph after a 1-1 draw in London made it 3-3 on aggregate. “Arsenal this year, they play a little bit different,” Amorim said. “They are more fluid. “For example, two years ago when we faced them with Sporting, you knew how to press because you can understand better the structure. “Now it’s more fluid with (Riccardo) Calafiori and (Jurrien) Timber in different sides. One coming inside, the other going outside. Also (Martin) Odegaard changed the team, and you can feel it during this season. “So, you can take something from that game, especially because I know so well the opponent so you can understand the weakness of that team. “But every game is different, so you take something, but you already know that you are going to face a very good team.” This hectic winter schedule means Amorim sidestepped talk of January transfer business ahead of facing Arsenal, although he was more forthcoming on Amad Diallo’s future. The 22-year-old, who put in a man of the match display in Sunday’s 4-0 win against Everton, is out of contract at the end of the season, although the club holds an option to extend by a year. Diallo has repeatedly spoken of his desire to stay at United and it has been reported an agreement is close. Amorim said: “I think he wants to stay, and we want him to stay. So that is clear and we will find a solution.”Today’s Lely Radio Sports Page – 4A Volleyball Player of the Year Katie Scheckel – November 22nd, 2024
USU men’s basketball: Aggies go after school record on SaturdayMike Tomlin: Browns prevented George Pickens from going up for ball on Hail Mary; didn’t see him fight with Greg Newsome II
Texans look to regroup as they prepare for Ravens after Tank Dell suffers another injury