Fintech Revolution of the Customer Experience

Posted on January 15, 2026 by yoselkbaez36ck

Fintech revolution of the customer experience applying the lessons learned the old customer experience in financial services has been subjected to profound shifts that came  on the heels of the fintech uprising the fintech industry has been famous for technology adoption  such as mobile applications and ai powered innovations with the  support of this innovative technology fintech offered convenient solutions.

For customers  transforming the traditional in-person approach.

To a new digital first concept nowadays traditional financial institutions.

Are leaning on their i.t departments to facilitate innovation which was  inconceivable just 15 years ago meanwhile fintech startups are taking the central  stage in previously established markets and fulfilling customer desires with a flexible quick  transparent and personalized experience the drastic technology-led changes have set new  standards for a better customer experience the question remains  how can other industries apply the fintech lessons to stay a step ahead of their competition change  drivers behind the new financial services customer experience number one smartphones and  mobility simplifying and moving the customer journey online was a big win for fintech companies  survey shows how customers value simplicity and availability 73 percent.

Of customers claim that  they prefer to handle their financial dealings online innovative companies such as newbank the  leading fintech in latin america have stitched simplified banking into their company’s values  judging by its 25 million customers newbank has succeeded to become a digital first bank at scale  similarly london-based fintech company revolut offers simplified mobile based banking with no  fee global transfers and no or low fee spending abroad in over 150 currencies revolut embodied the  on the move customer mindset which led to rapid growth from 2 million customers in 2018 to 15  million in 2021 number two ai powered conversation and automation chat bots.

And predictive analytics  are improving customer experience across various industries especially.

In fintech ai  technology such as chat bots enables instantaneous communication for customers who prefer to practice  mobile banking at the same time chat bots assure high availability through extended service hours  for instance digital first bank manzo uses ai-powered chat bots to inform customers  about the most beneficial banking features and help them learn about finance management  another great ai powered fintech example is cabbage an automated lending platform that uses  online data instead of manual processes to provide fast loans to small businesses number three.

Self-service expectations consumers desires for self-service.

Options are growing during the pandemic many customers have experienced the speed and efficiency of online self-service including bank transfers check deposits.

Loan applications and personal details alteration  going to a physical branch to visit a bank representative had swiftly become reserved for  extremely complex cases a successful example of a self-explanatory and easy to use fintech offering  is wise x TransferWise a money transfer service trusted by 10 million customers to move over  5 billion pounds every month customers can use its online portal or mobile application  to quickly and transparently move money in over 170 locations a similar application of  self-serving is exhibited by open door a company

That facilitates real estate transactions open door enables customers to make instant cash offers on homes through an online process it cuts out any unnecessary steps to make selling homes easy fast and stress-free number four omni channel banking embracing the latest technology innovations.

And mobile first approach means companies are increasingly working on providing a seamless omni-channel customer experience customers are used to having information service and products at their fingertips which has fueled their expectation.

For an omnichannel financial service experience innovative. Fintech companies apply analytics to ensure customer service.


Is aligned to customer expectation this type of customer  journey personalization has become ever present and therefore necessary to use going forward  mobile online or social customers expect to flip from channel to channel without any trouble  what can we learn from the fintech revolution number one deepen your understanding of customers  the fintech revolution was impactful because it showcased using customers most significant pain  points as a foundation for solution design other industries can learn from this lesson.

By learning  from customers directly leveraging next-gen technologies such as chat bots can help companies  collect data from each customer interaction to understand their needs better organizations can  then use this data to enable customer behavior and preference analysis and apply machine learning to  build predictive models that will help meet and anticipate customers’ needs and desires  number two lighten the customer experience fintech companies revolutionize the financial  service industry customer experience.

By offering the same product or service more conveniently successful fintech’s alleviated the unnecessary steps customers had to take to make transfers. And update personal details or process expenses now customers can enjoy accessible banking at their fingertips from their own homes whether they are transacting personal finances.

Or doing business at scale number three hyper personalize the customer experience.

As the fintech revolution proved ai-powered financial.

Advisors can administer personalized investment advice based on the customer profile and financial goals this type of service is hard to replace as it delivers always available and personalized service at scale for other industries.

To stay competitive, it’s crucial to apply hyper personalization.

To ensure customer loyalty  and high lifetime value number four innovate ai and machine learning offer solutions through voice  and chat that help improve the customer experience across various touch points such as phone online  mobile or chat for example companies can use ai to improve customer service by reducing phone waiting  times and physical cues eventually companies that embrace the technology as their ally but keep the  human-centric customer experience are the ones that will come up on top in the future number  five leverage partnerships traditional banks like up morgan chase Goldman Sachs and Citigroup have  invested in fintech companies.

To expand their service portfolio the giant in the world of credit American Express.

Acquired the automated lending platform cabbage in 2020.

To extend American express’s range of financial service offerings to their shared target customer in the future organizations should consider sharing opportunities with technology-powered startups.

At the beginning of their journey most startups don’t represent a severe threat but that doesn’t mean they won’t become one especially. If we consider customers changing preferences and attraction toward convenience and ease of use that technology enables, are you utilizing technology.

To meet  your customers’ needs check out our resources to discover valuable insights about future marketing  technology applications and b2b practices that can help you build a solid foundation and  future proof your organization or get in touch with our team of experts at behavioral response  that’s it for today please make sure to like share and subscribe to our YouTube channel for  more videos like this so that you can take your marketing automation to the next level  and remember to activate notifications to receive the latest videos thank you for watching you.

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Fiber Connectors – CompTIA Network+ N10-009 – 1.5

Posted on January 13, 2026 by yoselkbaez36ck

When working with fiber optics, one of the first things you’ll notice is there are many different connector types. You have to make sure that you use the right connector type for the right connection. A very common fiber connector type is the SC connector, or the Subscriber Connector. We also have other names that we associate with this connector. One is a square connector because the connector itself is rather square when you look at it.
You might also see this referred to as a standard connector, although there are certainly other types of fiber connectors that you might use.

To use an SC connector, it simply pushes into the connection and snaps in place with a lock. Once you have that connector in place, it’s not going to accidentally slip out of that connection. You first have to pull on the connector to unlock it, and then it can be removed from that interface. This is a common connector type, and if you’re plugging into a connection in a data center, you’re probably using some connections that are identified as SC.

The connectors themselves support individual fibers, but they’re often combined together into a pair because one of these is commonly used for transmitting and the other is commonly used for receiving. Another common fiber connector is the LC, or Local Connector. This is slightly smaller than an SC connector, and as you can see, it has a clip on the top to lock it in place once you put it into the interface. This also means that it won’t accidentally get pulled out of an interface, and to remove it, you need to push down on the clip.

That will release the lock and allow you to easily remove it from the interface.

Instead of local connector, you might also see this referred to as a Lucent connector or a little connector. The LC connector can also be combined in a pair– looks like this– and you can plug both of them in simultaneously. And again, one is used for transmitting and the other used for receiving. Another fiber on our list is the ST connector. That stands for Straight Tip. It uses a bayonet connector. So, you push it into an interface, give it a slight twist, and it is locked in place. This will not easily get removed from the interface unless you reverse that twist, and then you can remove it from the interface.

When you’re working inside of a rack and there’s a large number of cables and fiber, it can be very easy to accidentally dislodge one of those connections. That’s why we have all of these different locking mechanisms for these different interface types. Here’s a closer view of the ST connector. There is a protective ferrule around the fiber, which you can barely see in this picture, and you can easily see the bayonet connector where you would plug it in and twist it in place so that it is locked into that interface. One of the challenges with the connector types that we’ve seen so far is that those fiber connections take up a lot of real estate. It would be a lot more efficient if we could put more fiber into a smaller connection, and there is a connector type for that called the MPO, which is Multi-fiber Push On. Inside the MPO are 12 individual fibers that are contained in that single cable connection. This also has a lock in place that’s very similar to the SC connector where you would push it in place, and you would have to pull it out slightly to unlock it from the interface.

You might also see this connector referred to as an MTP. That name is provided by Corning, and they refer to this as an MTP MPO connector. Here’s a side view of the connector. It has this lock on the top, and the individual fibers are these smaller dots you can barely see in this picture. If we look at it straight on with some light being sent through the fiber, you can see that all 12 of those fibers are much easier to see on the MPO connector.

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6 Big Questions Investors Are Asking About 2026 | Signal or Noise Ep 66

Posted on January 12, 2026 by yoselkbaez36ck

 

Hello, hello, everyone. Welcome back to “Signal or Noise.” Happy New Year, everyone. First episode of 2026, Episode 66. Charlie Bilello here. And with me, as always, Peter Maloik. Peter, start of each year, we get a million questions. We’re going to do our annual questions episode here. Six questions for 2026. Let’s start out with question number one.

A lot of people asking this. “Will international stocks lead again?” Not a question we’ve had many times in the last few years. In fact, it’s the first time. Because for the first time in a long time, we saw unbelievably strong international outperformance. What I’m showing you here is MSCI Europe, up 36%. Emerging market stocks, 34%. US stocks, still pretty good year, 18%. But this was the biggest gap that we’ve seen. You gotten go all the way back to 1993.

It was a 15% outperformance for the MSCI World ex US Index over the US stock market. Biggest outperformance and the best year for international stocks, Peter, since 2009. So before we talk about, can this continue, will it continue, what do you attribute to this happening in 2025? A lot of different explanations after the fact. What do you think was the big reason why we saw this outperformance?

I think what’s interesting is, I don’t think there is an explanation. So, if you look at going all the way back, you know, 2000, 2010, US stocks earned 0%. The S&P 500 return for that decade was 0%. Absolutely shocking. International emerging markets, real estate bonds, all had an incredible decade. So, then we went into the new decade, and everyone was pleasantly surprised. Everyone was like, “Oh, I’m just going to invest overseas. The US is dead. Emerging markets is where it’s at.” And from 2010, all the way for the whole decade, S&P 500 crushed everything, largely because of the tech revolution.

These big companies getting so big, but just US stocks just did generally better. So let me get to the next decade. You know, 2020, we’re going into 2021, and all the predictions, Goldman Sachs, BlackRock, Vanguard, everyone’s like, “Hey, the international had a decade, the US had a decade, we’re gonna rotate back to international.

The dividend yield’s better. The PE ratio’s better.

Every major metric is better. So international emerging markets is where it’s at.” And for the first five years of the decade, that was not the case. Just large US just kept outperforming, which is crazy because we know that small cap is supposed to do better than large cap over the long run. And overseas in the US should do about the same over the long run. And emerging markets has a higher growth rate and should do better over the long run. And we just didn’t see that for 15 years. And finally, just on a dime, the rotation started at the beginning of last year, and international stocks absolutely trounced the US. For the first time in a long time, I’m hearing my clients say, “Why am I not all international?” “Why don’t I rotate all international?” “International still trading at a steep discount up to the US.

Why am I not there?” And the answer is because we have no idea what’s going to happen in any given year, which is why we’ve gotten have money in both places. – So, let’s talk about this other question in terms of, can it continue? So often, after a big move, Peter, you hear people say, “Am I too late to the party here? Is it too late to diversify international if I’m not there or ready?” I’m just going to show you two charts that would illustrate that perhaps this could have legs, maybe not in 2026, but in the years to come.


One would just be looking at the ratio of US stocks to international stocks, which peaked at the end of 2024 at three standard deviations above the mean. But even after that huge outperformance in 2025, it’s only just a blip here, right? Because we had 16 years of US outperformance. So certainly on that basis, you could see a continuum. Here, I’m showing you, rolling five-year returns for US versus international. And still, if we’re looking at any time period longer than a year, basically, Peter, we’re still seeing us outperformance. So it’s 15 years now of rolling five-year outperformance for the US stock market, which is by far the longest in history. So I guess the best argument, I would say, that this could potentially continue is, this is still the early stages because it’s such a big outperformance that has come before it, and there’s still a pretty wide valuation gap.

So, here, we’re looking at the CAPE ratio between the US and European markets. US we know is near the highest level since 2000 at 39 times, and European markets still relatively cheap here at 22 times. What do you make of all this? Could you see this? Would you be surprised, I guess is the question, if international per outperformance would continue, maybe not in 2026, but in the next five or 10 years? Well, I wouldn’t be surprised either way because, you know, basically what we’re seeing is, European stocks, to your point, they’re a better value. That’s the bottom line. They’re better value right now than US stocks. That was the case last year. It’s the case of the year before last year.

It was the case before the year before last year. So just because something is a better value doesn’t mean that, in any given year, it’s going to outperform. But, like, look, if somebody’s asking me, you know, “Where’s the better value?” It’s obviously in Europe, but you can make a very big and solid argument as to why that is. You know, Europe has become much more socialistic.

The tax rates are extremely punitive in some of the countries. The social support network that they have for the immigration issues that they’ve got in Europe is putting a tremendous amount of pain on a lot of European countries. We’ve seen a couple countries borderline collapse like Greece. You know, some people are basically referred Europe as a museum. I don’t share that sentiment, by the way, but, I mean, it’s very different than a world where some guys tossing around an idea for OpenAI, and now the company’s probably worth a trillion dollars, right? There’s just a lot more innovation, a lot more capital formation, a lot more money behind ideas in the United States than anywhere in the world.

So you can argue that that discount in Europe exists for a reason, that it’s supposed to be at a discount. But bottom line is I think both markets are relatively fairly valued, and so it just wouldn’t surprise me either way. – Yeah, the ultimate question investors will have to answer this is, is the discount too much? Is an 80% discount too much given all of those facts? Let’s go to question number two here. “Will the average stock catch up?” So, unlike international, Peter, which saw this epic reversal in 2025, we did not see the same for the average stock in the S&P 500 or or small cap stocks.

We, in fact, we saw the S&P equal weight hit its lowest level on a ratio basis since 2003. So over 20-year low in terms of relative strength.

And if we look at the S&P equal weight, this is gonna be an interesting stat for people. The last three years, it has trailed the overall S&P 500, which is cap weighted by 34 percentage points. That is the biggest three-year underperformance for the equal weight in history. The prior record was 1997 to 1999. And following that, equal weight would outperform for seven straight years.

Small caps, as we know, long overdue for reversal, Peter. We’ve been waiting, talking about this many times in 2025. It did not happen. We saw the ratio of large to small hit its highest levels since the 1999 peak, almost a record high. And we saw small caps underperform for the fifth straight year.

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Baby Sign Language | First 12 Baby Signs in ASL | Sign Language for Babies

Posted on January 12, 2026 by yoselkbaez36ck

Hey signers, in this video I am going to teach you the first 12 signs I know that you and your baby can learn, like the sign more. We are also going to address some misconceptions about baby sign language and why I think all parents should be doing sign language with their babies. And thanks to our sponsor for today’s video babysignlanguage.com.  More on them later.

So, let’s learn how to sign baby sign language.  Here’s a tip.

Make practicing baby sign language fun with your baby. Incorporate it in everyday life. Think about when you’re eating at the table and you’re going to teach them how to eat their food.

Show the sign and say the word multiple times and just wait until your baby is ready to produce it. Also, don’t forget to keep a smile on your face when you’re teaching these signs; it will keep your baby happy and engaged.

Now let’s jump into some of our first signs.  ‘More, more,’ as you can see, I’m doing flat ‘O’ hands just like this and you’re touching them together.

When you’re teaching your baby, you can sign, ‘do you want more?’ That way you can say the word to them, and they can hear it and see the sign along with it. ‘Do you want more?’ ‘Eat,  eat.’ So, remember that sign for more?  We’re going to take one of those hands and bring it up to our mouth like we’re eating the food ‘eat.’ ‘Drink, drink,’ this is representing a cup so you can even grab a cup and show you drinking it, then put the cup down and then bring the same hand up to show your baby to drink ‘drink.’ ‘Milk, milk,’ this is probably one of the first signs that you’ll show your baby.  Now as you can see, it looks like you’re milking a cow and this one is really easy for them to do  just say milk, sign milk, point to milk, whenever you’re doing this sign and they’ll pick it up  really quickly ‘milk.’ Now that we’ve learned some of these signs let’s talk about your baby actually  producing these signs.

For instance, let’s take the sign more.

This is the correct way to sign more with the flat ‘O’ hands, but you might see your baby do more like this, do more like this, do more like this. This is perfectly fine.

They are producing the sign the best way they know how because their motor skills aren’t completely developed yet. The whole point of using baby sign language is for your baby to communicate with you in their wants and need and to reduce some frustration.

So, if they’re showing more like this, then give them some more.

We hope you are loving learning the basics of baby sign language and our hope is that you want to learn even more.  babysignlanguage.com is the perfect next step to continuing in your baby sign language journey.

A couple of years ago, we partnered with babysignlanguage.com to create a library of over a thousand signs and flash cards you might want to use with your baby.

You can pick and choose the next few words you would like to add to your day-to-day signing. Their website also provides additional resources and tips on how to start teaching your baby and how to continue the process and all of that stuff is free.

They also offer materials such as flash cards, books, charts, and DVDs to help grow your and your child’s vocabulary. Here at Learn How to Sign, we want sign language to be accessible to everyone including your baby. We know babysignlanguage.com can be your number one resource for all things baby sign language. Now let’s get back to learning some more baby signs.  “Sleep, sleep,’ this one looks just like what they’re doing at night, putting their hands next to their head and laying down and closing their eyes. As you probably already know, your baby is loving to play pretend, so you can show yourself laying down to go to sleep, taking their blanket to go to sleep, and saying ‘sleep.’ This way they’ll know whenever they’re tired, they can show you this when they want to go to sleep.




‘Please, please,’ this is a flat shaped hand going right across your chest. Now many  babies don’t sign this motion. It might be sweeping across their chest or just hitting themselves.

But whenever you say please, do this along with it. It’s teaching them manners at the same time ‘please.’  ‘Play, play.’ Now in this list of words this is probably the most difficult one because of this ‘Y’ shaped hand for play. So you might see babies do this or this but as long as you’re teaching them play and saying it and signing it whenever you’re playing with them, they’ll start to pick it up ‘play.’  ‘Thank you, thank you,’ this is another great one for manners. You’re just using this flat hand coming out from your chin to the person ‘thank you.’ As with all of these, sign and say this together ‘thank you.’  Here are some other tips and just basic information.

Using baby sign language does not delay a baby’s speech. It actually reduces frustration, and they can produce these signs earlier than speaking. Their motor skills are more developed in their hands than in their voice.

Some research shares that this even helps with language and literacy. Signing with your baby throughout the day when you’re reading stories, at dinner time, at playtime, just about any time is a great time to use baby sign language with your baby.

We have linked several resources down below for further research if you want to learn more about the reasons to use baby sign language. Now let’s continue on with more signs. ‘Love, love,’ this sign reminds me of a great big hug.

You just love them so much. You can also sign love you. This will be a great way to show them that you love them. ‘Mom, mom,’ you’re using this ‘5’ hand right up here to the chin. I’ve seen so many babies do this in various ways mom, mom, mom.

So, for all you moms out there, I’m sure this is probably going to be one of your first signs ‘mom.’  ‘Dad, dad,’ it’s the same sign for mom just up at the forehead and again you’ll see babies do this in different variations. For dads out there, I know that you’re probably wanting your baby to sign this first ‘dad.’ ‘All done or finish,’ this sign is with these ‘5’ hands and they’re flicking out.  You don’t want it anymore.

All done or finish is a great sign to use at the end of dinner when they don’t want any more food and want out of their chair.

When they’re all done or finished or you’re ready for them to learn this sign say it and sign it, ‘all done finish.’ I hope this video provided you with tons of information and signs you can start now. Let us know down in the comments what other ASL topics you are interested in.  Also, share this video with others who you think might be interested in baby sign language and don’t forget to subscribe as well.

Until next time keep learning how to sign 🤟🏼.

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Bonding with Baby for Fathers

Posted on January 12, 2026 by yoselkbaez36ck

Most new fathers come into the whole new father thing without a lot of experience with kids. Their partners probably did some babysitting, and most likely the guys didn’t. So a natural question I get a lot which is, “What am I supposed to do with this thing “now that we got this baby around?” And the first thing you need to prepare for, is the first couple months are going to be tough. They’re not going to do anything.

You’re going to be standing on your head and telling jokes and doing things. You’re going to get no response from your child. As the child gets older, you’ll be able to get more response. It really is all about spending time together. And paying attention to what’s going on with the child.

That, the time that you spend is where the relationship building comes from. You’re not going to be able to tune in at age two and say, “Okay, now I want a great relationship.” So it’s the simplest things.

Making the baby a part of your life. You plot the baby in a stroller, and you go to the grocery store.

Think of all the fantastic things you can learn in a grocery store. I remember doing this with my kids. “Look. Here’s a kiwi. “That feels really cool, doesn’t it? “Here’s a coconut and that feels different.” Just those kinds of things build the relationship between you and your child. You get used to the baby. Baby gets used to you. And that’s really what it’s all about.

My best advice for a father bonding with his daughter, personally my daughter’s three right now. It’s really important for me to take an interest in things that she loves. They may not necessary be my passions, but I let her comb my hair. I let her put fake makeup on. I sit down to imaginary meals with her.

I do things that she really loves.


If it’s bracelets and necklaces, we’ll sit down, and we’ll do some of that stuff together, or we’ll go out and shop for something like that. One thing that I did specifically for my son is every time we went to a new city or new place, I’ll buy him a patch. Putting on a duffle bag to give to him later. At the same time, for my daughter I would look for things like charms for her bracelets.

Maybe it’s a doll from some of those places we’ve been. And I think she really loves some of that stuff. The thing that I bonded with my son the most was holding him. And there was this spot where he would snuggle up against me and hold me. That, he felt like he was a part of me.

That we were bonding. He was just there. And he meant to be right there. And it was a certain specific spot. He would wiggle into that spot, and I’m holding here because it was here.

This was not, It wasn’t here; it wasn’t here. He’d just get right and to this day, he still, even though he’s big, he still looks to get into that and puts his head in that spot that we connected. That started when he was a newborn.

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