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Joshua Wolens. See comments. Save my name, email, and website in this browser for the next time I comment. Americans are the nation with the highest college debt in the world, with the trend of growing student debt balances showing no signs of slowing down. Do you know the stats on student loan debt by In the United States, where you live can heavily affect how much of your annual salary goes to state coffers. Have you ever wondered why cigarette prices are so different across the nation?

The main culprit is the difference in the cigarette tax by state. Cigarettes and Friend's Email Address. Your Name. Your Email Address. The Best Binary Options Brokers in the USA. The Best Credit Repair Companies. The Best Payday Loans in the US. The Best Accounting Software. The Best Trading Platforms for Beginners. Best People Search. Photographer Insurance. Credit Card Market Share Global Credit Card Market Share by Purchase Transactions When we focus on market share by purchase transactions, Visa is ahead of all other credit card brands.

Nilson Report Global Network Cards Purchase Transaction Value Global credit card statistics suggest that the situation shifted in , at least in terms of the market share of credit card companies by the number of purchase transactions.

Statista Credit Card Market Share in the United States Chase and American Express are the largest credit card issuers in the US by purchase volume. Nilson Report Top American Issuers of Commercial Credit Cards by Purchase Volume Chase is by far the leading issuer of small business credit cards in the US.

Nilson Report, Reuters Market Share of Card Brands in Europe In Europe, Visa was the leading card in terms of market share between and Statista Leading Europe Banks by Credit Card Purchase Transactions Sberbank held the largest market share by purchase transactions in Europe. Nilson Report Credit Card Market Share in Canada While Visa and Mastercard are global leaders, Interac holds the throne in Canada.

Nilson Report Credit Card Market Share in Latin America by Purchase Volume In Latin America, Visa had the largest market share by purchase volume of CompaniesMarketCap, Statista Credit Card Market Share FAQ How big is the credit card industry? Which credit card company has the most customers? CardRates What is the most popular credit card? What is the hardest credit card to get?

Summary While Visa is the brand with the largest credit card market share, Chase is the top card issuer in the United States.

Facebook Tweet Pin Email. Leave a Reply Cancel reply Your email address will not be published. Share this Article Like this article? Email it to a friend! Other organizations have figured out how to use these very powerful technologies to really gain insights rapidly from their data.

What we're really trying to do is to look at that end-to-end journey of data and to build really compelling, powerful capabilities and services at each stop in that data journey and then…knit all that together with strong concepts like governance. By putting good governance in place about who has access to what data and where you want to be careful within those guardrails that you set up, you can then set people free to be creative and to explore all the data that's available to them.

AWS has more than services now. Have you hit the peak for that or can you sustain that growth? We're not done building yet, and I don't know when we ever will be. We continue to both release new services because customers need them and they ask us for them and, at the same time, we've put tremendous effort into adding new capabilities inside of the existing services that we've already built.

We don't just build a service and move on. Inside of each of our services — you can pick any example — we're just adding new capabilities all the time. One of our focuses now is to make sure that we're really helping customers to connect and integrate between our different services. So those kinds of capabilities — both building new services, deepening our feature set within existing services, and integrating across our services — are all really important areas that we'll continue to invest in.

Do customers still want those fundamental building blocks and to piece them together themselves, or do they just want AWS to take care of all that? There's no one-size-fits-all solution to what customers want. It is interesting, and I will say somewhat surprising to me, how much basic capabilities, such as price performance of compute, are still absolutely vital to our customers.

But it's absolutely vital. Part of that is because of the size of datasets and because of the machine learning capabilities which are now being created. They require vast amounts of compute, but nobody will be able to do that compute unless we keep dramatically improving the price performance. We also absolutely have more and more customers who want to interact with AWS at a higher level of abstraction…more at the application layer or broader solutions, and we're putting a lot of energy, a lot of resources, into a number of higher-level solutions.

One of the biggest of those … is Amazon Connect, which is our contact center solution. In minutes or hours or days, you can be up and running with a contact center in the cloud.

At the beginning of the pandemic, Barclays … sent all their agents home. In something like 10 days, they got 6, agents up and running on Amazon Connect so they could continue servicing their end customers with customer service. We've built a lot of sophisticated capabilities that are machine learning-based inside of Connect. We can do call transcription, so that supervisors can help with training agents and services that extract meaning and themes out of those calls.

We don't talk about the primitive capabilities that power that, we just talk about the capabilities to transcribe calls and to extract meaning from the calls. It's really important that we provide solutions for customers at all levels of the stack.

Given the economic challenges that customers are facing, how is AWS ensuring that enterprises are getting better returns on their cloud investments? Now's the time to lean into the cloud more than ever, precisely because of the uncertainty. We saw it during the pandemic in early , and we're seeing it again now, which is, the benefits of the cloud only magnify in times of uncertainty.

For example, the one thing which many companies do in challenging economic times is to cut capital expense. For most companies, the cloud represents operating expense, not capital expense. You're not buying servers, you're basically paying per unit of time or unit of storage. That provides tremendous flexibility for many companies who just don't have the CapEx in their budgets to still be able to get important, innovation-driving projects done. Another huge benefit of the cloud is the flexibility that it provides — the elasticity, the ability to dramatically raise or dramatically shrink the amount of resources that are consumed.

You can only imagine if a company was in their own data centers, how hard that would have been to grow that quickly. The ability to dramatically grow or dramatically shrink your IT spend essentially is a unique feature of the cloud. 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. We see a lot of customers actually leaning into their cloud journeys during these uncertain economic times.

Do you still push multi-year contracts, and when there's times like this, do customers have the ability to renegotiate? Many are rapidly accelerating their journey to the cloud. Some customers are doing some belt-tightening. 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. You do see some discretionary projects which are being not canceled, but pushed out.

Every customer is free to make that choice. But of course, many of our larger customers want to make longer-term commitments, want to have a deeper relationship with us, want the economics that come with that commitment.

We're signing more long-term commitments than ever these days. We provide incredible value for our customers, which is what they care about. That kind of analysis would not be feasible, you wouldn't even be able to do that for most companies, on their own premises.

So some of these workloads just become better, become very powerful cost-savings mechanisms, really only possible with advanced analytics that you can run in the cloud. In other cases, just the fact that we have things like our Graviton processors and … run such large capabilities across multiple customers, our use of resources is so much more efficient than others.

We are of significant enough scale that we, of course, have good purchasing economics of things like bandwidth and energy and so forth. So, in general, there's significant cost savings by running on AWS, and that's what our customers are focused on. The margins of our business are going to … fluctuate up and down quarter to quarter.

It will depend on what capital projects we've spent on that quarter. Obviously, energy prices are high at the moment, and so there are some quarters that are puts, other quarters there are takes. The important thing for our customers is the value we provide them compared to what they're used to. And those benefits have been dramatic for years, as evidenced by the customers' adoption of AWS and the fact that we're still growing at the rate we are given the size business that we are.

That adoption speaks louder than any other voice. Do you anticipate a higher percentage of customer workloads moving back on premises than you maybe would have three years ago? Absolutely not. We're a big enough business, if you asked me have you ever seen X, I could probably find one of anything, but the absolute dominant trend is customers dramatically accelerating their move to the cloud. Moving internal enterprise IT workloads like SAP to the cloud, that's a big trend. Creating new analytics capabilities that many times didn't even exist before and running those in the cloud.

More startups than ever are building innovative new businesses in AWS. Our public-sector business continues to grow, serving both federal as well as state and local and educational institutions around the world. It really is still day one. 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.

In general, when we look across our worldwide customer base, we see time after time that the most innovation and the most efficient cost structure happens when customers choose one provider, when they're running predominantly on AWS.

A lot of benefits of scale for our customers, including the expertise that they develop on learning one stack and really getting expert, rather than dividing up their expertise and having to go back to basics on the next parallel stack.

That being said, many customers are in a hybrid state, where they run IT in different environments. In some cases, that's by choice; in other cases, it's due to acquisitions, like buying companies and inherited technology. We understand and embrace the fact that it's a messy world in IT, and that many of our customers for years are going to have some of their resources on premises, some on AWS. Some may have resources that run in other clouds.

We want to make that entire hybrid environment as easy and as powerful for customers as possible, so we've actually invested and continue to invest very heavily in these hybrid capabilities. A lot of customers are using containerized workloads now, and one of the big container technologies is Kubernetes.

We have a managed Kubernetes service, Elastic Kubernetes Service, and we have a … distribution of Kubernetes Amazon EKS Distro that customers can take and run on their own premises and even use to boot up resources in another public cloud and have all that be done in a consistent fashion and be able to observe and manage across all those environments.

So we're very committed to providing hybrid capabilities, including running on premises, including running in other clouds, and making the world as easy and as cost-efficient as possible for customers. Can you talk about why you brought Dilip Kumar, who was Amazon's vice president of physical retail and tech, into AWS as vice president applications and how that will play out? He's a longtime, tenured Amazonian with many, many different roles — important roles — in the company over a many-year period.

Dilip has come over to AWS to report directly to me, running an applications group. We do have more and more customers who want to interact with the cloud at a higher level — higher up the stack or more on the application layer.

We talked about Connect, our contact center solution, and we've also built services specifically for the healthcare industry like a data lake for healthcare records called Amazon HealthLake. We've built a lot of industrial services like IoT services for industrial settings, for example, to monitor industrial equipment to understand when it needs preventive maintenance.

We have a lot of capabilities we're building that are either for … horizontal use cases like Amazon Connect or industry verticals like automotive, healthcare, financial services. We see more and more demand for those, and Dilip has come in to really coalesce a lot of teams' capabilities, who will be focusing on those areas. You can expect to see us invest significantly in those areas and to come out with some really exciting innovations. Would that include going into CRM or ERP or other higher-level, run-your-business applications?

I don't think we have immediate plans in those particular areas, but as we've always said, we're going to be completely guided by our customers, and we'll go where our customers tell us it's most important to go next. It's always been our north star. Correction: This story was updated Nov. Bennett Richardson bennettrich is the president of Protocol.

Prior to joining Protocol in , Bennett was executive director of global strategic partnerships at POLITICO, where he led strategic growth efforts including POLITICO's European expansion in Brussels and POLITICO's creative agency POLITICO Focus during his six years with the company.

Prior to POLITICO, Bennett was co-founder and CMO of Hinge, the mobile dating company recently acquired by Match Group. Bennett began his career in digital and social brand marketing working with major brands across tech, energy, and health care at leading marketing and communications agencies including Edelman and GMMB.

Bennett is originally from Portland, Maine, and received his bachelor's degree from Colgate University. Prior to joining Protocol in , he worked on the business desk at The New York Times, where he edited the DealBook newsletter and wrote Bits, the weekly tech newsletter. He has previously worked at MIT Technology Review, Gizmodo, and New Scientist, and has held lectureships at the University of Oxford and Imperial College London.

He also holds a doctorate in engineering from the University of Oxford. We launched Protocol in February to cover the evolving power center of tech. It is with deep sadness that just under three years later, we are winding down the publication. As of today, we will not publish any more stories. All of our newsletters, apart from our flagship, Source Code, will no longer be sent.

Source Code will be published and sent for the next few weeks, but it will also close down in December. Building this publication has not been easy; as with any small startup organization, it has often been chaotic. But it has also been hugely fulfilling for those involved. We could not be prouder of, or more grateful to, the team we have assembled here over the last three years to build the publication. They are an inspirational group of people who have gone above and beyond, week after week.

Today, we thank them deeply for all the work they have done. We also thank you, our readers, for subscribing to our newsletters and reading our stories. We hope you have enjoyed our work. As companies expand their use of AI beyond running just a few machine learning models, and as larger enterprises go from deploying hundreds of models to thousands and even millions of models, ML practitioners say that they have yet to find what they need from prepackaged MLops systems.

As companies expand their use of AI beyond running just a few machine learning models, ML practitioners say that they have yet to find what they need from prepackaged MLops systems. Kate Kaye is an award-winning multimedia reporter digging deep and telling print, digital and audio stories. She covers AI and data for Protocol. Her reporting on AI and tech ethics issues has been published in OneZero, Fast Company, MIT Technology Review, CityLab, Ad Age and Digiday and heard on NPR. Kate is the creator of RedTailMedia.

org and is the author of "Campaign ' A Turning Point for Digital Media," a book about how the presidential campaigns used digital media and data. On any given day, Lily AI runs hundreds of machine learning models using computer vision and natural language processing that are customized for its retail and ecommerce clients to make website product recommendations, forecast demand, and plan merchandising.

And he said that while some MLops systems can manage a larger number of models, they might not have desired features such as robust data visualization capabilities or the ability to work on premises rather than in cloud environments. As companies expand their use of AI beyond running just a few ML models, and as larger enterprises go from deploying hundreds of models to thousands and even millions of models, many machine learning practitioners Protocol interviewed for this story say that they have yet to find what they need from prepackaged MLops systems.

Companies hawking MLops platforms for building and managing machine learning models include tech giants like Amazon, Google, Microsoft, and IBM and lesser-known vendors such as Comet, Cloudera, DataRobot, and Domino Data Lab. It's actually a complex problem.

Options trading is seeing a surge in popularity with today's volatile market, although in Australia we still lag behind the United States. An option is an agreement between 2 parties to enter into a contract that gives the owner the right but not the obligation to buy or sell the underlying asset at an agreed-upon strike price before a specified date.

Options contracts are derivatives investments, which means you're exchanging contracts rather than buying and selling physical assets. There's always an underlying asset attached to the contract, such as shares or commodities, which is how a price is determined. You'll profit based on the difference in price from the day you enter the contract to its future price.

The 2 main participants in an options contract are the "buyer", who is the person that purchases the contract, and the seller of the contract, dubbed the "writer". Whichever role you decide to take, you'll first need to find a broker that offers options trading. There are 2 types of options that you can either buy or write. A call option gives its buyer the choice to purchase shares from its writer at a specific price AKA the "strike price" before a set period of time, or the "expiry date".

A put option is the opposite, where the buyer enters a contract to sell the shares to the writer at a set price within a specific time frame. For this reason, the buyer of a call option is hoping that the underlying shares will rise in price, while the put option buyer is betting that prices will fall. The writers of the contract are hoping for the opposite. Call options give the investor the right, but not the obligation, to buy a trading instrument at a specific price prior to a specified date.

In the example of shares, the writer of the option must deliver the underlying shares at a specified price should the holder of the option exercise the option. The writer of the option receives payment for granting this right. Say you're looking to buy call options in Tesla. Of course, you'll have to pay for trading the call options. There'll be the seller's premium on the shares. The flip side is also true. You won't execute the trade, meaning you won't own the shares.

Put options are the inverse of call options. They give the investor the right, without the obligation, to sell a specified trading instrument at a specified price on or before a specified date. In this instance, again using shares options as an example, the writer of the option must buy the underlying shares, at a specified price, should the option holder decide to exercise their right to sell. In the meantime, the writer receives a payment for granting the taker this right.

Let's use Tesla again as an example, but instead this time the trader thinks the share price will fall, so is buying put options. Again they are buying shares worth of put options. This example is excluding taxes which may need to be paid by the trader. On the flip side, if the trader is wrong and the share price increases, they will not execute the trade.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision. Learn how we maintain accuracy on our site. Important: Share trading can be financially risky and the value of your investment can go down as well as up. Where both CHESS sponsored and custodian shares are offered, we display the cheapest option.

Where a broker doesn't offer ASX stocks, we show US brokerage. While there are various reasons to trade options over buying shares, most investors trade for the following reasons:. Now remember you are not buying a stock but instead trading contracts, so you are basing this on direction of the market.

This means you can make money by buying put options in falling market or buy the call option in a rising one.

This making money in any market makes them desirable for traders. In Australia, options are typically traded over the Australian Securities Exchange ASX as exchange-traded options ETOs. These ETOs allocate shares per contract. By trading over the ASX, you can purchase share options of most major Australian public companies, including the Big Four banks, Telstra and Woolworths.

Options are a form of derivative trading that you can trade from the Australian securities market. In order to trade them you'll simply need to sign up to a broker that allows you to trade options.

From there, you'll need to give them your basic contact information as well as proof of who you are, in order to sign up. It's important to point out that different brokers have different products and services. Some will let you trade in Australia through ETOs while others will just let you trade options in the US. When it comes to Finder's choice, Tiger Brokers won our best options trading platform.

While it only offers US options, Tiger won our award largely due to having low fees, conditional orders including trailing and stop losses, strong technical analysis tools as well as strong app reviews. Options trading can be dramatically cheaper than buying the underlying asset outright, but once again comparing brokers on the fees they charge is important.

When it comes to options trading, you'll usually receive 2 types of fees, being the price of the option contract and broker fees. One of the most important factors in an options contract is the premium price.

This is the price paid by the buyer to the writer for the contract and calculated on a per-share basis. As the expiry date draws close, the premium price will shrink relative to the stock price as it becomes easier to predict. Either way, the buyer makes a profit. The brokerage fees charged by brokers for exchange-traded options are usually higher than share trading. However, most options trades won't involve share brokerage since the buyer typically sells the contract back to the market.

In options trading, you only pay a share brokerage fee if you do one of the following:. It is important for investors to understand that options are a strictly zero-sum game. That is, in each transaction, one of the parties makes a gain at the expense of the other party. You need to make sure you fully understand the inherent risks involved. The position you take through options will be a leveraged position.

As such, a change in the price of the option is bound to be disproportionate to a change in the price of the underlying share. Delta is positive for call options and negative for put options. Here, if you have purchased a contract with units, you would have lost the entire premium you paid. In contrast, unless Telstra goes bankrupt, Telstra shares will never become completely worthless.

So long as BHP stays afloat, there's always a possibility that its shares may increase in price over time. Since options have limited lives, they naturally decline in value at an exponential rate as they approach their expiry dates. While the potential loss you can face as the buyer of an option is limited to the premium you paid, as a seller, your loss can be unlimited.

If the buyer chooses to exercise the option, you will be obliged to deliver the purchase or the sale of the shares at the preset price irrespective of their market value.

The takeaway message for beginner investors is that, ideally, options should be used to complement their current shareholding positions. Standalone positions should only be taken out after consultation with a broker or a financial adviser. If you are buying a call option you are trading on the theory that the price of the underlying asset will increase. If you are buying a put option you expect the price to fall. Options trading is actually incredibly risky, and depending on the type of trade you make, it is possible to lose more than your initial investment.

This is because they are traded using leverage. Just like it can increase your profits if you get it right, it will also compound your losses if you get the trade wrong. Becoming a successful trader takes a bit of technical and industry knowledge, so you will have to take a bit of time to learn how to trade options.

However, it is certainly something that can be learnt. Before trading, it can be beneficial to practise using a demo account. Many of the leading platforms provide this as a free service. As such, from 3 May binary option providers, trading platforms and apps were banned from selling these options to retail clients.

Options trading can be beneficial and it is theoretically possible to get rich from trading them. However, statistics show that you're more likely to lose than win if you trade options.

If you are going to start trading, you'd be best off studying the market and trying out your theories using a demo account before trading. Tiger Broker's platform won Finder's award as the best options trading platform in Australia. Tiger won Finder's award due to having some of the lowest fees around, offering technical analysis services and a number of conditional orders making it easier to trade. Yes, you can trade US options if you're Australia based, but you will need to find a broker that is compatible with trading these options.

Kylie Purcell is the senior investments editor at Finder. She specialises in investment products including online brokers, robo-advisors, stocks and ETFs. Everything we know about the South-east Queensland Exploration IPO, plus information on how to buy in.

Benzinga Pro is a real-time news trading platform that is designed to help investors trade faster. Here is who should use the service. The best day trading platforms in Australia offer low fees and are packed full of features essential for algorithmic trading. Finimize is financial investment tool that helps cut a lot of the jargon out of share trading. Find out what the service can offer you. CHESS sponsorship allows you to directly own ASX listed shares in your own name, but it comes with some drawbacks.

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Still, debit cards remain the top payment option in the country. In options trading, you only pay a share brokerage fee if you do one of the following:. Friend's Email Address Your Name Your Email Address Comments Send Email Email sent! However, most options trades won't involve share brokerage since the buyer typically sells the contract back to the market. Say you're looking to buy call options in Tesla.

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