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BOEM Announces Comment Period on California Offshore Wind Programmatic Environmental Impact StatementCHICAGO (AP) — Matt Duchene and Jamie Benn each had a goal and two assists, and the Dallas Stars beat the Chicago Blackhawks 5-1 on Sunday night. Jason Robertson, Evgenii Dadonov and Wyatt Johnston each had a goal and an assist for Dallas, which had lost three of four. Jake Oettinger made 24 saves. Chicago dropped its fourth consecutive game. It lost three of four in its season series against Dallas. Connor Bedard scored his 10th goal for the Blackhawks, and Arvid Soderblom made 26 stops. Next up for Bedard and company is the Winter Classic on Tuesday against St. Louis. Dallas grabbed control after Chicago forward Tyler Bertuzzi was ejected 8:11 into the second period. Bertuzzi was sent off for elbowing Stars forward Colin Blackwell in the face. Robertson made it 2-1 when he converted a wrist shot from the right circle at 8:23. It was Robertson's first goal since Dec. 14 and No. 8 on the season. Dadonov got a slick pass from Duchene and scored his 10th goal with 5:14 left in the second. Stars: Miro Heiskanen added two assists as the Stars used their superior depth to control much of the game. Blackhawks: Once again, not enough offensive opportunities. It has been a recurring problem for the Blackhawks for much of the season so far. Johnston's stick broke right before he scored his eighth goal 10 seconds into the third period. Duchene's pass went off Johnston and past Soderblom, giving the Stars a 3-1 lead. The Stars are 12-3-0 against the Blackhawks since the 2021-22 season. Dallas opens a three-game homestand on Tuesday night against Buffalo. Chicago plays St. Louis on Tuesday at Wrigley Field. AP NHL: https://apnews.com/hub/nhlThe Associated Press
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CHICAGO (AP) — Matt Duchene and Jamie Benn each had a goal and two assists, and the Dallas Stars beat the Chicago Blackhawks 5-1 on Sunday night. Jason Robertson, Evgenii Dadonov and Wyatt Johnston each had a goal and an assist for Dallas, which had lost three of four. Jake Oettinger made 24 saves. Chicago dropped its fourth consecutive game. It lost three of four in its season series against Dallas. Connor Bedard scored his 10th goal for the Blackhawks, and Arvid Soderblom made 26 stops. Next up for Bedard and company is the Winter Classic on Tuesday against St. Louis. Dallas grabbed control after Chicago forward Tyler Bertuzzi was ejected 8:11 into the second period. Bertuzzi was sent off for elbowing Stars forward Colin Blackwell in the face. Robertson made it 2-1 when he converted a wrist shot from the right circle at 8:23. It was Robertson's first goal since Dec. 14 and No. 8 on the season. Dadonov got a slick pass from Duchene and scored his 10th goal with 5:14 left in the second. Takeaways Stars: Miro Heiskanen added two assists as the Stars used their superior depth to control much of the game. Blackhawks: Once again, not enough offensive opportunities. It has been a recurring problem for the Blackhawks for much of the season so far. Key moment Johnston's stick broke right before he scored his eighth goal 10 seconds into the third period. Duchene's pass went off Johnston and past Soderblom, giving the Stars a 3-1 lead. Key stat The Stars are 12-3-0 against the Blackhawks since the 2021-22 season. Up next Dallas opens a three-game homestand on Tuesday night against Buffalo. Chicago plays St. Louis on Tuesday at Wrigley Field. ___ AP NHL: https://apnews.com/hub/nhl Jay Cohen, The Associated Press
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Picture credit As we approach the end of 2024, it’s clear that the personal loan landscape has undergone significant transformations over the past year. From the widespread adoption of digital technologies to the increased emphasis on personalized and sustainable lending practices, the personal loan industry has been shaped by a number of key trends that are set to define the future. When asked, “What is the future of personal lending?” Matt Mayerle, Personal Finance Editor at CreditNinja , responds, “The future of personal lending is all about accessibility, personalization, and technology. We’re seeing lenders use AI and alternative data to make lending more efficient and tailored to each individual’s unique financial profile. This means faster approvals, more flexible terms, and loan options that are accessible to a broader range of people. Additionally, the focus on sustainable lending practices is growing, with lenders increasingly prioritizing financial inclusion and responsible lending standards. Together, these trends are shaping a lending environment that’s more adaptable and inclusive than ever before.” In this article, we will explore these emerging trends and examine how they are shaping the future of personal loans. The personal loan industry has been undergoing a digital revolution, which has only accelerated in 2024. Lenders are increasingly leveraging advanced technologies to streamline the application and approval process, providing borrowers with a more efficient and user-friendly experience. Artificial intelligence (AI) and machine learning (ML) have played a pivotal role in this transformation, enabling lenders to make more informed credit decisions, automate underwriting, and personalize loan offerings. By harnessing the power of data analytics, lenders can better assess risk, identify potential fraud, and tailor their products to meet the unique needs of individual borrowers. As consumer expectations continue to rise, lenders have placed a growing emphasis on offering personalized lending solutions that cater to the diverse financial needs of their customers. This year, we’ve seen a wider range of loan options, flexible repayment terms, and tailored interest rates, all designed to meet the specific circumstances and goals of borrowers. The rise of alternative data sources, such as employment history, education, and social media activity, has empowered lenders to gain a more comprehensive understanding of a borrower’s financial profile. This has allowed them to make more informed decisions and provide customers with personalized loan products that better fit their individual needs. Mayerle explains, “In 2024, lenders are recognizing that one-size-fits-all doesn’t work for personal loans. By using alternative data sources, lenders can better understand a borrower’s unique financial background and offer tailored loan options that truly meet individual needs. This approach not only improves access but also enhances the borrower experience.” Environmental, social, and governance (ESG) concerns have become increasingly important in shaping consumer behavior and regulatory landscapes, and the personal loan industry has responded by embracing sustainable lending practices. We’ve seen a greater focus on responsible lending, with lenders strongly emphasizing financial inclusion, ethical underwriting, and the long-term financial well-being of their customers. This shift towards sustainable lending has involved introducing “green” personal loan products, which may offer incentives or favorable terms for borrowers committed to eco-friendly practices or sustainable lifestyle choices. Additionally, lenders have implemented more robust credit counseling and financial education programs to empower borrowers and promote financial literacy. Traditional financial institutions like banks and credit unions have often dominated the personal loan market. However, the rise of alternative lenders, including peer-to-peer (P2P) platforms and fintech companies, has introduced a new level of competition and innovation to the industry. In 2024, these alternative lenders have continued to disrupt the personal loan landscape, offering faster, more flexible, and even affordable borrowing options. Leveraging advanced technologies and data-driven decision-making, these lenders have been able to cater to underserved or niche segments of the market, providing opportunities for borrowers who may not meet the stringent criteria of traditional lenders. One of the most promising trends in the personal loan industry has been the growing focus on accessibility and inclusivity. Lenders have recognized the importance of reaching underbanked and underserved populations and have worked to develop lending solutions that cater to a diverse range of financial needs and backgrounds. “One of the most impactful trends this year is the push for inclusivity,” Mayerle remarks. “With alternative credit scoring and mobile lending platforms, lenders are reaching populations who may have been underserved in the past. This accessibility allows more people to achieve their financial goals and makes personal loans a more viable option for diverse groups.” This has involved the use of alternative credit scoring models, the expansion of online and mobile lending platforms, and the implementation of more flexible underwriting criteria. Additionally, lending companies like CreditNinja have provided a lifeline to those who may not have access to traditional banking resources in times of emergency or unexpected expenses. The personal loan industry has bridged the financial divide and empowered more individuals to achieve their financial goals. As we reflect on the trends that have shaped the personal loan industry in 2024, it’s clear that the future of this market is both exciting and transformative. From the widespread adoption of digital technologies to the increased emphasis on personalized and sustainable lending practices, the personal loan landscape has evolved to better serve the diverse needs of borrowers. So, as you consider your borrowing needs, consider these trends and leverage the right lending solutions to unlock the power of personal loans.
AP Business SummaryBrief at 10:21 a.m. ESTAI's next frontier: Selling your intentions before you know them's most fantastic piece of hardware, the future-leaning Vision Pro, is not a success; not, at least, when measured on customer interest and market penetration. Throughout the year we've seen reports of though zero confirmation from Apple of sales numbers. The Cupertino tech giant mostly talks about developer support, the , , and third-party partner support. Most recently, Apple touted a . That price tag makes more sense when you consider that the Vision Pro still costs $3,499 / £3,499 / AU$5,999. As I've written from the start of my Vision Pro journey, . It's a spectacular mixed-reality experience that's as useful for as it is , where you can have a vast desktop of apps floating around your head. It's as intuitive as anything Apple has ever built, and you didn't think could be triggered by consumer electronics. It's also a system – we're not built to shut themselves off from each other. Wearing these goggles in the home elicits groans and serious side-eyes from family members and partners. I enjoyed the massive workspace in the office, but my coworkers thought I looked insane. Apple's efforts at virtual me staring back at friends, coworkers, and loved ones through the headset were also poorly received. I couldn't find anyone who wasn't turned off by my recreated gaze. Even those people who are inspired by the Vision Pro idea could barely afford it for the most part. $3,500 is not an "everyone" price, it's a "rarified few" one. I got a sense that Vision Pro wasn't taking a spot in homes in the US, and later around the world, when every time I wrote about the headset six people read the story. If we write about the (any make, model, or rumor) everyone reads it. The Vision Pro can't generate a fraction of the interest. I believe in the Vision Pro and the technology inside it. It's truly unlike anything else on the market or that I've experienced before, but it can't survive like this. Apple will surely be making some tough decisions in 2025. If, however, it wants the Vision Pro to survive, and not go the way of the or even the original , I have some notes. Reduce the price This is obvious, but it also means Apple taking a position it rarely does with hardware: a loss. It costs a lot to build the Vision Pro ( ), with the high-end displays maybe accounting for a third of that price. If Apple is not swapping out components (more on that later), it should simply cut the price by more than half and take the hit. Yes, each Vision Pro it sells in 2025 might cost it some money, but think of the millions who might buy it. Apple's growth is no longer built on hardware like the iPhone alone. It has a huge and rapidly growing services business, whereby you pay a monthly fee for access to storage, Apple TV Plus, Music, Fitness Plus, News, and so on. Apple customers buy more services when they have more Apple gadgets... you can see where this is going. Most of Apple's service experiences, like Apple TV Plus, are even better on a device like the Vision Pro, so this should represent a short-term loss that leads to a bigger long-term gain. Swap out materials and components What if the expected Vision Pro 2 features a plastic cover instead of glass? Does it need brushed aluminum? What if Apple does away with the displays driving the ? And maybe the resolution of the pricey display system could be lowered just a bit. Apple should look at all the ways it can reduce build costs without ruining the Vision Pro experience. I know that's a tall order, but the Vision Pro sometimes feels a bit overbuilt. To be fair, Apple did this because it was launching a new class of computing: spatial computing. The problem is that few others were buying the concept. Most consumers are still happy with regular old computing. To get them excited about it they need a cheaper Vision Pro, so fewer and cheaper materials and components might be one option. Ship an Apple Vision Lite Rumors point to arriving next year or the year after. If Apple is smart, it will tease a $1,500 Vision Pro Lite no later than March – disinterested consumers won't wait around for a late 2025 or 2026 launch. Apple needs to deliver affordable and usable Lite units fast enough to reboot the Vision Pro brand and finally start sucking in millions of new customers. Unveil Apple Vision AR glasses How does this help the Vision Pro? If these new lightweight are seen as part of the Vision Pro family, and they cost between $799 and $1,200, they might trigger a halo effect. Excitement and even some FOMO around the glasses could launch renewed interest in the overpriced mixed-reality headset, especially if the glasses also run and offer seamless integration with Vision Pro. Bundle Vision Pro with the iPhone 16 Pro Max 1 TB model An with 1TB of storage costs $1,599 / £1,599 / AU$2,849. That's a hefty mobile investment, and a signal to Apple that you are a devoted customer. What if when you buy that smartphone, Apple offers you a Vision Pro for an extra $599? That's far from free, but it is a massive discount for Apple's best-paying customers. Most people are buying the largest iPhone, and some might consider paying extra for all that storage if it also gave them access to a heavily discounted Vision Pro. I think Apple would be surprised at how many headsets it would end up moving. There's no perfect answer for how to save the Vision Pro, but I am certain that the solution revolves mostly around price. I think there are actually millions who would love to try the Vision Pro, but who see the price tag as a huge barrier and move on. Put the Vision Pro in reach of the masses, Apple, and you'll change the market equation, and save the Vision Pro in 2025.
SEOUL, South Korea (AP) — South Korean law enforcement officials on Monday requested a court warrant to detain impeached President Yoon Suk Yeol as they investigate whether his short-lived martial law decree on Dec. 3 amounted to rebellion. The Corruption Investigation Office for High-Ranking Officials, which is leading a joint investigation with police and military authorities into the power grab that lasted only a few hours, confirmed it requested the warrant from the Seoul Western District Court. They plan to question Yoon on charges of abuse of authority and orchestrating a rebellion. Yoon has dodged several requests by the joint investigation team and public prosecutors to appear for questioning and has also blocked searches of his offices. It’s not clear whether the court will grant the warrant or whether Yoon can be compelled to appear for questioning. Under the country’s laws, locations potentially linked to military secrets cannot be seized or searched without the consent of the person in charge, and it’s unlikely that Yoon will voluntarily leave his residence if he faces detainment. Yoon’s presidential powers were suspended after the National Assembly voted to impeach him on Dec. 14 over his imposition of martial law that lasted only hours but has triggered weeks of political turmoil, halted high-level diplomacy and rattled financial markets. Yoon’s fate now lies with the Constitutional Court, which has begun deliberations on whether to uphold the impeachment and formally remove Yoon from office or reinstate him. Yoon has defended the martial law decree as a necessary act of governance, describing it as a warning against the liberal opposition Democratic Party, which has been bogging down his agenda with its majority in the parliament. Parliament voted last week to also impeach Prime Minister Han Duck-soo, who had assumed the role of acting president after Yoon’s powers were suspended, over his reluctance to fill three Constitutional Court vacancies ahead of the court’s review of Yoon’s case. The country’s new interim leader is Deputy Prime Minister Choi Sang-mok, who is also finance minister.HUAWEI Consumer Business Group (CBG) unveiled several highly anticipated products that usher in a new era of flagship foldable excellence, as part of the “Unfold the Classic” HUAWEI Flagship Product Launch held in Dubai on December 12. Among these products is the new foldable smartphone, HUAWEI Mate X6, which sets a new standard for foldable smartphones and further solidifies Huawei’s leadership in the market. The HUAWEI Mate X6 is expected to redefine the foldable experience with its innovative design, durability, advanced features, and exceptional user experience. In addition to the Mate X6, Huawei introduced an impressive lineup of new devices, including the HUAWEI nova 13 series, HUAWEI FreeBuds Pro 4, HUAWEI FreeClip in Rose Gold, and the HUAWEI MatePad 11.5. This suite of products represents a new era of flagship innovation, showcasing Huawei’s commitment to continuous advancement and delivering flagship experiences for consumers across the MEA region. HUAWEI Mate X6 Product KV HUAWEI Mate X6 is a foldable smartphone that’s extremely thin and light while also being extremely durable. It comes with the 2nd Generation Kunlun Glass, which protects the exterior screen, while a carbon fibre inner screen plate adds strength to the interior display. The phone features an advanced multi-dimensional hinge and a robust aviation-grade aluminium middle frame. The Kunlun Glass offers 25 times better drop resistance. It’s camera system is one of its standout features, designed to capture true-to-life colours. The 50MP Ultra Aperture Camera is equipped with a ten-size adjustable physical aperture, ranging from F1.0 to F4.0, allowing users to control depth of field and light intake with precision. The camera also incorporates the Ultra Chroma technology, which uses 1.50 million spectral channels to boost colour accuracy by 120%. Equipped with an OLED exterior and a large internal OLED display, the Mate X6 supports a 120 Hz adaptive refresh rate. Richard Yu, Chairman of Huawei Consumer Business Group, called the HUAWEI Mate X6 “A breakthrough technology from the inside out, bringing consumers a truly innovative foldable screen experience.” HUAWEI FreeBuds Pro 4 Product KV The HUAWEI FreeBuds Pro 4, the first-ever HUAWEI SOUND earbuds, set new benchmarks for wireless audio. Featuring an Ultra-Hearing Dual Driver system, these earbuds deliver a rich and dynamic listening experience across a wide frequency spectrum, from booming bass to sparkling treble. Designed for exceptional clarity during calls, the FreeBuds Pro 4 features advanced AI noise cancellation and a high-sensitivity bone-conducting microphone. The earbuds can intelligently distinguish between human voices and environmental noise, isolating your voice while filtering out distractions. Whether you’re at a concert or walking through a busy street, your calls remain uninterrupted, with crystal-clear sound. HUAWEI FreeBuds Pro 4 will be available in Egypt online platforms as well as select retailers soon. HUAWEI nova 13 Series Product KV HUAWEI nova 13 Series, introduces the new Dynamic Plaid Texture Design, multi-focal portrait capabilities, and AI-driven innovations, ushering in a fresh wave of trends. Embodying the creative spirit of the younger generation, the series debuts in the striking new Loden Green colourway, alongside classic Black and White options. The Series redefines front-camera photography with its 60 MP Ultra-Wide Front Camera and innovative features like the AI Best Expression. The ultra-wide angle allows users to effortlessly capture group selfies with everyone in the frame and showcase breathtaking scenery without the need for a selfie stick. The AI Best Expression feature ensures every group photo is flawless by selecting the best expressions from burst shots. The 5X Selfie Zoom expands the creative possibilities enabling close-up portraits, and delivering detailed and cinematic-quality selfies. With the new 100 W HUAWEI SuperCharge Turbo, the HUAWEI nova 13 Series can charge to 50% in just 10 minutes. HUAWEI nova 13 Series will be available in Egypt soon through Huawei’s online platforms as well as select retailers. HUAWEI MatePad 11.5 Product KV The HUAWEI MatePad 11.5 features an eye-soothing PaperMatte Display and productivity-boosting upgrades, including an enhanced HUAWEI Notes app. Designed with students and light-duty office workers in mind, this versatile tablet empowers users to embrace a paperless experience while enhancing efficiency, whether at school, home, or on the go. HUAWEI FreeClip: Now in Rose Gold Product KV The HUAWEI FreeClip combines cutting-edge audio technology with sleek, fashion-forward aesthetics. Now available in a captivating Rose Gold finish, the latest iteration introduces a soft pink hue with subtle golden undertones, exuding a sense of romance and understated elegance. Alongside its stylish appeal, the FreeClip incorporates new features like the Dynamic Bass Algorithm, Head Motion Controls, and Drop Reminders. The Drop Reminders feature provides a gentle alert in the remaining earbud if one slips out during use, accompanied by a notification on your phone. HUAWEI FreeClip in Rose Gold will be available in Egypt soon through Huawei’s online platforms as well as select retailers.
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WISeKey’s Subsidiary SEALCOIN 2025 Roadmap: Leading Machine-to-Machine Transactions Through Blockchain and Space Innovation Zug, Switzerland — December 30, 2024 - WISeKey International Holding Ltd (“WISeKey” or the “Company”) (NASDAQ: WKEY; SIX: WIHN), a global leader in cybersecurity, AI, blockchain, and IoT technologies, that its subsidiary, SEALCOIN AG, ends 2024 as a leader in secure, decentralized IoT ecosystems. Utilizing its blockchain-based TIOT token, SEALCOIN empowers IoT devices to autonomously exchange data, energy, and services, transforming real-time interactions with unmatched trust and efficiency. In January 2025, SEALCOIN will achieve a major milestone in cooperation with WISeSat AG, another WISeKey subsidiary which focuses on space technology for secure satellite communication, specifically for IoT applications, with the launch of a new generation of WISeSat satellites designed to support autonomous machine-to-machine (M2M) transactions from space. This Proof of Concept (PoC) will demonstrate secure, satellite-initiated transactions with IoT devices, marking a significant step toward creating a scalable Transactional IoT (t-IoT) infrastructure. By combining SEALCOIN’s decentralized platform with WISeSat’s capabilities, the PoC will showcase how blockchain and space technologies can enable global IoT networks with unparalleled security and scalability. Earlier in 2024, SEALCOIN successfully conducted a PoC for t-IoT transactions between two devices, proving its ability to disintermediate service providers and securely manage decentralized device interactions. The upcoming generation of WISeSat satellites will feature enhanced operational capabilities tailored for M2M transactions, reinforcing SEALCOIN’s position as a pioneer in space-based digital ecosystems. With decentralized ledger technology ensuring secure, tamper-proof exchanges, SEALCOIN is driving innovation in industries like energy, logistics, and environmental monitoring, expanding the possibilities for IoT devices to interact autonomously in real-time. SEALCOIN’s roadmap for 2025 focuses on scaling its space-based IoT initiatives, refining blockchain solutions for advanced security and scalability, and exploring partnerships to expand the transactional IoT ecosystem. By addressing real-world challenges with innovative solutions, SEALCOIN continues to deliver long-term value to stakeholders and set new standards for global IoT ecosystems. With Swiss regulatory compliance, advanced encryption, and collaboration with cutting-edge technologies like Hedera Hashgraph, SEALCOIN’s decentralized architecture ensures trust, transparency, and privacy in IoT transactions. SEALCOIN AG is revolutionizing the future of machine-to-machine transactions with its innovative integration of blockchain and space technology. SEALCOIN is committed to fostering secure, scalable, and autonomous IoT ecosystems, enabling a new era of interconnected devices. About WISeKey WISeKey International Holding Ltd (“WISeKey”, SIX: WIHN; Nasdaq: WKEY) is a global leader in cybersecurity, digital identity, and IoT solutions platform. It operates as a Swiss-based holding company through several operational subsidiaries, each dedicated to specific aspects of its technology portfolio. The subsidiaries include (i) SEALSQ Corp (Nasdaq: LAES), which focuses on semiconductors, PKI, and post-quantum technology products, (ii) WISeKey SA which specializes in RoT and PKI solutions for secure authentication and identification in IoT, Blockchain, and AI, (iii) WISeSat AG which focuses on space technology for secure satellite communication, specifically for IoT applications, (iv) WISe.ART Corp which focuses on trusted blockchain NFTs and operates the WISe.ART marketplace for secure NFT transactions, and (v) SEALCOIN AG which focuses on decentralized physical internet with DePIN technology and house the development of the SEALCOIN platform. Each subsidiary contributes to WISeKey’s mission of securing the internet while focusing on their respective areas of research and expertise. Their technologies seamlessly integrate into the comprehensive WISeKey platform. WISeKey secures digital identity ecosystems for individuals and objects using Blockchain, AI, and IoT technologies. With over 1.6 billion microchips deployed across various IoT sectors, WISeKey plays a vital role in securing the Internet of Everything. The company’s semiconductors generate valuable Big Data that, when analyzed with AI, enable predictive equipment failure prevention. Trusted by the OISTE/WISeKey cryptographic Root of Trust, WISeKey provides secure authentication and identification for IoT, Blockchain, and AI applications. The WISeKey Root of Trust ensures the integrity of online transactions between objects and people. For more information on WISeKey’s strategic direction and its subsidiary companies, please visit www.wisekey.com . Disclaimer This communication expressly or implicitly contains certain forward-looking statements concerning WISeKey International Holding Ltd and its business. Such statements involve certain known and unknown risks, uncertainties and other factors, which could cause the actual results, financial condition, performance or achievements of WISeKey International Holding Ltd to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. WISeKey International Holding Ltd is providing this communication as of this date and does not undertake to update any forward-looking statements contained herein as a result of new information, future events or otherwise. This press release does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, and it does not constitute an offering prospectus within the meaning of the Swiss Financial Services Act (“FinSA”), the FinSa's predecessor legislation or advertising within the meaning of the FinSA. Investors must rely on their own evaluation of WISeKey and its securities, including the merits and risks involved. Nothing contained herein is, or shall be relied on as, a promise or representation as to the future performance of WISeKey. Press and Investor Contacts
NEW YORK (AP) — U.S. stocks rose Monday, with those benefiting the most from lower interest rates and a stronger economy leading the way. The S&P 500 climbed 0.3% to pull closer to its all-time high set two weeks ago. The Dow Jones Industrial Average added 440 points, or 1%, to its own record set on Friday, while the Nasdaq composite rose 0.3%. Treasury yields also eased in the bond market amid what some analysts called a “Bessent bounce” after President-elect Donald Trump said he wants Scott Bessent , a hedge fund manager, to be his Treasury Secretary. Bessent has argued for reducing the U.S. government’s deficit, which is how much more it spends than it takes in through taxes and other revenue. Such an approach could soothe worries on Wall Street that Trump’s policies may lead to a much bigger deficit, which in turn would put upward pressure on Treasury yields. After climbing above 4.44% immediately after Trump’s election, the yield on the 10-year Treasury fell back to 4.26% Monday, down from 4.41% late Friday. That’s a notable move, and lower yields make it cheaper for all kinds of companies and households to borrow money. They also give a boost to prices for stocks and other investments. That helped stocks of smaller companies lead the way, and the Russell 2000 index of smaller stocks jumped 1.5%. It finished just shy of its all-time high, which was set three years ago. Smaller companies can feel bigger boosts from lower borrowing costs because of the need for many to borrow to grow. The two-year Treasury yield, which more closely tracks the market’s expectations for what the Federal Reserve will do with overnight interest rates, also eased sharply. The Fed began cutting its main interest rate just a couple months ago from a two-decade high, hoping to keep the job market humming after bringing inflation nearly all the way down to its 2% target. But immediately after Trump’s victory, traders had reduced bets for how many cuts the Fed may deliver next year. They were worried Trump’s preference for lower tax rates and higher spending on the border would balloon the national debt. A report coming on Wednesday could influence how much the Fed may cut rates. Economists expect it to show that an underlying inflation trend the Fed prefers to use accelerated to 2.8% last month from 2.7% in September. Higher inflation would make the Fed more reluctant to cut rates as deeply or as quickly as it would otherwise. Goldman Sachs economist David Mericle expects that to slow by the end of next year to 2.4%, but he said inflation would be even lower if not for expected tariff increases on imports from China and autos favored by Trump. In the stock market, Bath & Body Works jumped 16.5% after delivering stronger profit for the latest quarter than analysts expected. The seller of personal care products and home fragrances also raised its financial forecasts for the full year, even though it still sees a “volatile retail environment” and a shorter holiday shopping season this year. Much focus has been on how resilient U.S. shoppers can remain, given high prices across the economy and still-high interest rates. Last week, two major retailers sent mixed messages. Target tumbled after giving a dour forecast for the holiday shopping season. It followed Walmart , which gave a much more encouraging outlook. Another big retailer, Macy’s, said Monday its sales for the latest quarter were in line with its expectations, but it will delay the release of its full financial results. It found a single employee had intentionally hid up to $154 million in delivery expenses, and it needs more time to complete its investigation. Macy’s stock fell 2.2%. Among the market’s leaders were several companies related to the housing industry. Monday’s drop in Treasury yields could translate into easier mortgage rates, which could spur activity for housing. Builders FirstSource, a supplier or building materials, rose 5.9%. Homebuilders, D.R. Horton, PulteGroup and Lennar all rose at least 5.6%. All told, the S&P 500 rose 18.03 points to 5,987.37. The Dow Jones Industrial Average jumped 440.06 to 44,736.57, and the Nasdaq composite gained 51.18 to 19,054.84. In stock markets abroad, indexes moved modestly across much of Europe after finishing mixed in Asia. In the crypto market, bitcoin was trading below $95,000 after threatening to hit $100,000 late last week for the first time. AP Business Writer Elaine Kurtenbach contributed.EAGAN, Minn. (AP) — Justin Jefferson might be weary of all the safeties shadowing his every route, determined not to let the Minnesota Vikings go deep, but he's hardly angry. The double and triple coverage he continually faces, after all, is a sign of immense respect for his game-breaking ability. The strategy also simply makes sense. “I would do the same," Jefferson said. "It’s either let everybody else go off or let Justin go off. I’m going to let everybody else go off. That would be my game plan.” When the Vikings visit Chicago on Sunday, they're expecting the usual heavy dose of split-safety coverage designed to put a lid on the passing attack and force them to operate primarily underneath. “We see that every week: Teams just have different tendencies on film, and then when we go out on the field they play us totally different,” Jefferson said, later adding: “I don’t really feel like anyone else is getting played how I’m getting played.” Jefferson nonetheless is second in the NFL in receiving yards (912) behind Cincinnati's Ja'Marr Chase, his former college teammate at LSU. Last week, Jefferson set yet another all-time record by passing Torry Holt for the most receiving yards over the first five seasons of a career. Holt logged 80 regular-season games and accumulated 6,784 yards for St. Louis. Jefferson has 6,811 yards — in just 70 games. “I want to go up against those single coverages. I want to go have my opportunities to catch a deep pass downfield, just one-on-one coverage, like a lot of these other receivers get," Jefferson said. "It’s definitely difficult going up against an extra person or an extra two people, but it is what it is and the concepts that we’re drawing up and the ways that we’re trying to get me open, it definitely helps.” With fellow tight end Josh Oliver ruled out of the game on Sunday because of a sprained ankle, T.J. Hockenson is certain to have his heaviest workload since returning from knee surgery four weeks ago. He's also certain that Jefferson will continue to see persistent double-teams. “It puts it on us to make some plays and do some things to get them out of that,” Hockenson said. Vikings coach Kevin O'Connell has been forced to dig deeper into the vault of play designs and game plans to help keep quarterback Sam Darnold and the offense on track. O'Connell said after Minnesota's 12-7 win at Jacksonville, when Darnold threw three interceptions to precipitate a safer strategy down the stretch, that he superseded his play-calling role with the wisdom of a head coach to help win that game. "Not just the egomaniac of wanting to score points and constantly show everybody how smart we are. There was a mode that I think you have to go into sometimes to ensure a victory,” O'Connell said on his weekly show on KFAN radio. Taking what the defense gives is usually the shrewdest strategy. “You’ve got to really implement some new things and some things that maybe you didn’t come across during your early coaching years whether as a coordinator or position coach or even when you’re responsible for a small area of the game plan as a younger coach," O'Connell said. "You really have to kind of look outside the lens of always what you see on tape.” AP NFL: https://apnews.com/hub/NFLGovernment to block incinerators that do not contribute to green plansLSU applies latest rout of Mississippi Valley State 110-45
BOEM Announces Comment Period on California Offshore Wind Programmatic Environmental Impact StatementCHICAGO (AP) — Matt Duchene and Jamie Benn each had a goal and two assists, and the Dallas Stars beat the Chicago Blackhawks 5-1 on Sunday night. Jason Robertson, Evgenii Dadonov and Wyatt Johnston each had a goal and an assist for Dallas, which had lost three of four. Jake Oettinger made 24 saves. Chicago dropped its fourth consecutive game. It lost three of four in its season series against Dallas. Connor Bedard scored his 10th goal for the Blackhawks, and Arvid Soderblom made 26 stops. Next up for Bedard and company is the Winter Classic on Tuesday against St. Louis. Dallas grabbed control after Chicago forward Tyler Bertuzzi was ejected 8:11 into the second period. Bertuzzi was sent off for elbowing Stars forward Colin Blackwell in the face. Robertson made it 2-1 when he converted a wrist shot from the right circle at 8:23. It was Robertson's first goal since Dec. 14 and No. 8 on the season. Dadonov got a slick pass from Duchene and scored his 10th goal with 5:14 left in the second. Stars: Miro Heiskanen added two assists as the Stars used their superior depth to control much of the game. Blackhawks: Once again, not enough offensive opportunities. It has been a recurring problem for the Blackhawks for much of the season so far. Johnston's stick broke right before he scored his eighth goal 10 seconds into the third period. Duchene's pass went off Johnston and past Soderblom, giving the Stars a 3-1 lead. The Stars are 12-3-0 against the Blackhawks since the 2021-22 season. Dallas opens a three-game homestand on Tuesday night against Buffalo. Chicago plays St. Louis on Tuesday at Wrigley Field. AP NHL: https://apnews.com/hub/nhlThe Associated Press
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CHICAGO (AP) — Matt Duchene and Jamie Benn each had a goal and two assists, and the Dallas Stars beat the Chicago Blackhawks 5-1 on Sunday night. Jason Robertson, Evgenii Dadonov and Wyatt Johnston each had a goal and an assist for Dallas, which had lost three of four. Jake Oettinger made 24 saves. Chicago dropped its fourth consecutive game. It lost three of four in its season series against Dallas. Connor Bedard scored his 10th goal for the Blackhawks, and Arvid Soderblom made 26 stops. Next up for Bedard and company is the Winter Classic on Tuesday against St. Louis. Dallas grabbed control after Chicago forward Tyler Bertuzzi was ejected 8:11 into the second period. Bertuzzi was sent off for elbowing Stars forward Colin Blackwell in the face. Robertson made it 2-1 when he converted a wrist shot from the right circle at 8:23. It was Robertson's first goal since Dec. 14 and No. 8 on the season. Dadonov got a slick pass from Duchene and scored his 10th goal with 5:14 left in the second. Takeaways Stars: Miro Heiskanen added two assists as the Stars used their superior depth to control much of the game. Blackhawks: Once again, not enough offensive opportunities. It has been a recurring problem for the Blackhawks for much of the season so far. Key moment Johnston's stick broke right before he scored his eighth goal 10 seconds into the third period. Duchene's pass went off Johnston and past Soderblom, giving the Stars a 3-1 lead. Key stat The Stars are 12-3-0 against the Blackhawks since the 2021-22 season. Up next Dallas opens a three-game homestand on Tuesday night against Buffalo. Chicago plays St. Louis on Tuesday at Wrigley Field. ___ AP NHL: https://apnews.com/hub/nhl Jay Cohen, The Associated Press
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Picture credit As we approach the end of 2024, it’s clear that the personal loan landscape has undergone significant transformations over the past year. From the widespread adoption of digital technologies to the increased emphasis on personalized and sustainable lending practices, the personal loan industry has been shaped by a number of key trends that are set to define the future. When asked, “What is the future of personal lending?” Matt Mayerle, Personal Finance Editor at CreditNinja , responds, “The future of personal lending is all about accessibility, personalization, and technology. We’re seeing lenders use AI and alternative data to make lending more efficient and tailored to each individual’s unique financial profile. This means faster approvals, more flexible terms, and loan options that are accessible to a broader range of people. Additionally, the focus on sustainable lending practices is growing, with lenders increasingly prioritizing financial inclusion and responsible lending standards. Together, these trends are shaping a lending environment that’s more adaptable and inclusive than ever before.” In this article, we will explore these emerging trends and examine how they are shaping the future of personal loans. The personal loan industry has been undergoing a digital revolution, which has only accelerated in 2024. Lenders are increasingly leveraging advanced technologies to streamline the application and approval process, providing borrowers with a more efficient and user-friendly experience. Artificial intelligence (AI) and machine learning (ML) have played a pivotal role in this transformation, enabling lenders to make more informed credit decisions, automate underwriting, and personalize loan offerings. By harnessing the power of data analytics, lenders can better assess risk, identify potential fraud, and tailor their products to meet the unique needs of individual borrowers. As consumer expectations continue to rise, lenders have placed a growing emphasis on offering personalized lending solutions that cater to the diverse financial needs of their customers. This year, we’ve seen a wider range of loan options, flexible repayment terms, and tailored interest rates, all designed to meet the specific circumstances and goals of borrowers. The rise of alternative data sources, such as employment history, education, and social media activity, has empowered lenders to gain a more comprehensive understanding of a borrower’s financial profile. This has allowed them to make more informed decisions and provide customers with personalized loan products that better fit their individual needs. Mayerle explains, “In 2024, lenders are recognizing that one-size-fits-all doesn’t work for personal loans. By using alternative data sources, lenders can better understand a borrower’s unique financial background and offer tailored loan options that truly meet individual needs. This approach not only improves access but also enhances the borrower experience.” Environmental, social, and governance (ESG) concerns have become increasingly important in shaping consumer behavior and regulatory landscapes, and the personal loan industry has responded by embracing sustainable lending practices. We’ve seen a greater focus on responsible lending, with lenders strongly emphasizing financial inclusion, ethical underwriting, and the long-term financial well-being of their customers. This shift towards sustainable lending has involved introducing “green” personal loan products, which may offer incentives or favorable terms for borrowers committed to eco-friendly practices or sustainable lifestyle choices. Additionally, lenders have implemented more robust credit counseling and financial education programs to empower borrowers and promote financial literacy. Traditional financial institutions like banks and credit unions have often dominated the personal loan market. However, the rise of alternative lenders, including peer-to-peer (P2P) platforms and fintech companies, has introduced a new level of competition and innovation to the industry. In 2024, these alternative lenders have continued to disrupt the personal loan landscape, offering faster, more flexible, and even affordable borrowing options. Leveraging advanced technologies and data-driven decision-making, these lenders have been able to cater to underserved or niche segments of the market, providing opportunities for borrowers who may not meet the stringent criteria of traditional lenders. One of the most promising trends in the personal loan industry has been the growing focus on accessibility and inclusivity. Lenders have recognized the importance of reaching underbanked and underserved populations and have worked to develop lending solutions that cater to a diverse range of financial needs and backgrounds. “One of the most impactful trends this year is the push for inclusivity,” Mayerle remarks. “With alternative credit scoring and mobile lending platforms, lenders are reaching populations who may have been underserved in the past. This accessibility allows more people to achieve their financial goals and makes personal loans a more viable option for diverse groups.” This has involved the use of alternative credit scoring models, the expansion of online and mobile lending platforms, and the implementation of more flexible underwriting criteria. Additionally, lending companies like CreditNinja have provided a lifeline to those who may not have access to traditional banking resources in times of emergency or unexpected expenses. The personal loan industry has bridged the financial divide and empowered more individuals to achieve their financial goals. As we reflect on the trends that have shaped the personal loan industry in 2024, it’s clear that the future of this market is both exciting and transformative. From the widespread adoption of digital technologies to the increased emphasis on personalized and sustainable lending practices, the personal loan landscape has evolved to better serve the diverse needs of borrowers. So, as you consider your borrowing needs, consider these trends and leverage the right lending solutions to unlock the power of personal loans.
AP Business SummaryBrief at 10:21 a.m. ESTAI's next frontier: Selling your intentions before you know them's most fantastic piece of hardware, the future-leaning Vision Pro, is not a success; not, at least, when measured on customer interest and market penetration. Throughout the year we've seen reports of though zero confirmation from Apple of sales numbers. The Cupertino tech giant mostly talks about developer support, the , , and third-party partner support. Most recently, Apple touted a . That price tag makes more sense when you consider that the Vision Pro still costs $3,499 / £3,499 / AU$5,999. As I've written from the start of my Vision Pro journey, . It's a spectacular mixed-reality experience that's as useful for as it is , where you can have a vast desktop of apps floating around your head. It's as intuitive as anything Apple has ever built, and you didn't think could be triggered by consumer electronics. It's also a system – we're not built to shut themselves off from each other. Wearing these goggles in the home elicits groans and serious side-eyes from family members and partners. I enjoyed the massive workspace in the office, but my coworkers thought I looked insane. Apple's efforts at virtual me staring back at friends, coworkers, and loved ones through the headset were also poorly received. I couldn't find anyone who wasn't turned off by my recreated gaze. Even those people who are inspired by the Vision Pro idea could barely afford it for the most part. $3,500 is not an "everyone" price, it's a "rarified few" one. I got a sense that Vision Pro wasn't taking a spot in homes in the US, and later around the world, when every time I wrote about the headset six people read the story. If we write about the (any make, model, or rumor) everyone reads it. The Vision Pro can't generate a fraction of the interest. I believe in the Vision Pro and the technology inside it. It's truly unlike anything else on the market or that I've experienced before, but it can't survive like this. Apple will surely be making some tough decisions in 2025. If, however, it wants the Vision Pro to survive, and not go the way of the or even the original , I have some notes. Reduce the price This is obvious, but it also means Apple taking a position it rarely does with hardware: a loss. It costs a lot to build the Vision Pro ( ), with the high-end displays maybe accounting for a third of that price. If Apple is not swapping out components (more on that later), it should simply cut the price by more than half and take the hit. Yes, each Vision Pro it sells in 2025 might cost it some money, but think of the millions who might buy it. Apple's growth is no longer built on hardware like the iPhone alone. It has a huge and rapidly growing services business, whereby you pay a monthly fee for access to storage, Apple TV Plus, Music, Fitness Plus, News, and so on. Apple customers buy more services when they have more Apple gadgets... you can see where this is going. Most of Apple's service experiences, like Apple TV Plus, are even better on a device like the Vision Pro, so this should represent a short-term loss that leads to a bigger long-term gain. Swap out materials and components What if the expected Vision Pro 2 features a plastic cover instead of glass? Does it need brushed aluminum? What if Apple does away with the displays driving the ? And maybe the resolution of the pricey display system could be lowered just a bit. Apple should look at all the ways it can reduce build costs without ruining the Vision Pro experience. I know that's a tall order, but the Vision Pro sometimes feels a bit overbuilt. To be fair, Apple did this because it was launching a new class of computing: spatial computing. The problem is that few others were buying the concept. Most consumers are still happy with regular old computing. To get them excited about it they need a cheaper Vision Pro, so fewer and cheaper materials and components might be one option. Ship an Apple Vision Lite Rumors point to arriving next year or the year after. If Apple is smart, it will tease a $1,500 Vision Pro Lite no later than March – disinterested consumers won't wait around for a late 2025 or 2026 launch. Apple needs to deliver affordable and usable Lite units fast enough to reboot the Vision Pro brand and finally start sucking in millions of new customers. Unveil Apple Vision AR glasses How does this help the Vision Pro? If these new lightweight are seen as part of the Vision Pro family, and they cost between $799 and $1,200, they might trigger a halo effect. Excitement and even some FOMO around the glasses could launch renewed interest in the overpriced mixed-reality headset, especially if the glasses also run and offer seamless integration with Vision Pro. Bundle Vision Pro with the iPhone 16 Pro Max 1 TB model An with 1TB of storage costs $1,599 / £1,599 / AU$2,849. That's a hefty mobile investment, and a signal to Apple that you are a devoted customer. What if when you buy that smartphone, Apple offers you a Vision Pro for an extra $599? That's far from free, but it is a massive discount for Apple's best-paying customers. Most people are buying the largest iPhone, and some might consider paying extra for all that storage if it also gave them access to a heavily discounted Vision Pro. I think Apple would be surprised at how many headsets it would end up moving. There's no perfect answer for how to save the Vision Pro, but I am certain that the solution revolves mostly around price. I think there are actually millions who would love to try the Vision Pro, but who see the price tag as a huge barrier and move on. Put the Vision Pro in reach of the masses, Apple, and you'll change the market equation, and save the Vision Pro in 2025.
SEOUL, South Korea (AP) — South Korean law enforcement officials on Monday requested a court warrant to detain impeached President Yoon Suk Yeol as they investigate whether his short-lived martial law decree on Dec. 3 amounted to rebellion. The Corruption Investigation Office for High-Ranking Officials, which is leading a joint investigation with police and military authorities into the power grab that lasted only a few hours, confirmed it requested the warrant from the Seoul Western District Court. They plan to question Yoon on charges of abuse of authority and orchestrating a rebellion. Yoon has dodged several requests by the joint investigation team and public prosecutors to appear for questioning and has also blocked searches of his offices. It’s not clear whether the court will grant the warrant or whether Yoon can be compelled to appear for questioning. Under the country’s laws, locations potentially linked to military secrets cannot be seized or searched without the consent of the person in charge, and it’s unlikely that Yoon will voluntarily leave his residence if he faces detainment. Yoon’s presidential powers were suspended after the National Assembly voted to impeach him on Dec. 14 over his imposition of martial law that lasted only hours but has triggered weeks of political turmoil, halted high-level diplomacy and rattled financial markets. Yoon’s fate now lies with the Constitutional Court, which has begun deliberations on whether to uphold the impeachment and formally remove Yoon from office or reinstate him. Yoon has defended the martial law decree as a necessary act of governance, describing it as a warning against the liberal opposition Democratic Party, which has been bogging down his agenda with its majority in the parliament. Parliament voted last week to also impeach Prime Minister Han Duck-soo, who had assumed the role of acting president after Yoon’s powers were suspended, over his reluctance to fill three Constitutional Court vacancies ahead of the court’s review of Yoon’s case. The country’s new interim leader is Deputy Prime Minister Choi Sang-mok, who is also finance minister.HUAWEI Consumer Business Group (CBG) unveiled several highly anticipated products that usher in a new era of flagship foldable excellence, as part of the “Unfold the Classic” HUAWEI Flagship Product Launch held in Dubai on December 12. Among these products is the new foldable smartphone, HUAWEI Mate X6, which sets a new standard for foldable smartphones and further solidifies Huawei’s leadership in the market. The HUAWEI Mate X6 is expected to redefine the foldable experience with its innovative design, durability, advanced features, and exceptional user experience. In addition to the Mate X6, Huawei introduced an impressive lineup of new devices, including the HUAWEI nova 13 series, HUAWEI FreeBuds Pro 4, HUAWEI FreeClip in Rose Gold, and the HUAWEI MatePad 11.5. This suite of products represents a new era of flagship innovation, showcasing Huawei’s commitment to continuous advancement and delivering flagship experiences for consumers across the MEA region. HUAWEI Mate X6 Product KV HUAWEI Mate X6 is a foldable smartphone that’s extremely thin and light while also being extremely durable. It comes with the 2nd Generation Kunlun Glass, which protects the exterior screen, while a carbon fibre inner screen plate adds strength to the interior display. The phone features an advanced multi-dimensional hinge and a robust aviation-grade aluminium middle frame. The Kunlun Glass offers 25 times better drop resistance. It’s camera system is one of its standout features, designed to capture true-to-life colours. The 50MP Ultra Aperture Camera is equipped with a ten-size adjustable physical aperture, ranging from F1.0 to F4.0, allowing users to control depth of field and light intake with precision. The camera also incorporates the Ultra Chroma technology, which uses 1.50 million spectral channels to boost colour accuracy by 120%. Equipped with an OLED exterior and a large internal OLED display, the Mate X6 supports a 120 Hz adaptive refresh rate. Richard Yu, Chairman of Huawei Consumer Business Group, called the HUAWEI Mate X6 “A breakthrough technology from the inside out, bringing consumers a truly innovative foldable screen experience.” HUAWEI FreeBuds Pro 4 Product KV The HUAWEI FreeBuds Pro 4, the first-ever HUAWEI SOUND earbuds, set new benchmarks for wireless audio. Featuring an Ultra-Hearing Dual Driver system, these earbuds deliver a rich and dynamic listening experience across a wide frequency spectrum, from booming bass to sparkling treble. Designed for exceptional clarity during calls, the FreeBuds Pro 4 features advanced AI noise cancellation and a high-sensitivity bone-conducting microphone. The earbuds can intelligently distinguish between human voices and environmental noise, isolating your voice while filtering out distractions. Whether you’re at a concert or walking through a busy street, your calls remain uninterrupted, with crystal-clear sound. HUAWEI FreeBuds Pro 4 will be available in Egypt online platforms as well as select retailers soon. HUAWEI nova 13 Series Product KV HUAWEI nova 13 Series, introduces the new Dynamic Plaid Texture Design, multi-focal portrait capabilities, and AI-driven innovations, ushering in a fresh wave of trends. Embodying the creative spirit of the younger generation, the series debuts in the striking new Loden Green colourway, alongside classic Black and White options. The Series redefines front-camera photography with its 60 MP Ultra-Wide Front Camera and innovative features like the AI Best Expression. The ultra-wide angle allows users to effortlessly capture group selfies with everyone in the frame and showcase breathtaking scenery without the need for a selfie stick. The AI Best Expression feature ensures every group photo is flawless by selecting the best expressions from burst shots. The 5X Selfie Zoom expands the creative possibilities enabling close-up portraits, and delivering detailed and cinematic-quality selfies. With the new 100 W HUAWEI SuperCharge Turbo, the HUAWEI nova 13 Series can charge to 50% in just 10 minutes. HUAWEI nova 13 Series will be available in Egypt soon through Huawei’s online platforms as well as select retailers. HUAWEI MatePad 11.5 Product KV The HUAWEI MatePad 11.5 features an eye-soothing PaperMatte Display and productivity-boosting upgrades, including an enhanced HUAWEI Notes app. Designed with students and light-duty office workers in mind, this versatile tablet empowers users to embrace a paperless experience while enhancing efficiency, whether at school, home, or on the go. HUAWEI FreeClip: Now in Rose Gold Product KV The HUAWEI FreeClip combines cutting-edge audio technology with sleek, fashion-forward aesthetics. Now available in a captivating Rose Gold finish, the latest iteration introduces a soft pink hue with subtle golden undertones, exuding a sense of romance and understated elegance. Alongside its stylish appeal, the FreeClip incorporates new features like the Dynamic Bass Algorithm, Head Motion Controls, and Drop Reminders. The Drop Reminders feature provides a gentle alert in the remaining earbud if one slips out during use, accompanied by a notification on your phone. HUAWEI FreeClip in Rose Gold will be available in Egypt soon through Huawei’s online platforms as well as select retailers.
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WISeKey’s Subsidiary SEALCOIN 2025 Roadmap: Leading Machine-to-Machine Transactions Through Blockchain and Space Innovation Zug, Switzerland — December 30, 2024 - WISeKey International Holding Ltd (“WISeKey” or the “Company”) (NASDAQ: WKEY; SIX: WIHN), a global leader in cybersecurity, AI, blockchain, and IoT technologies, that its subsidiary, SEALCOIN AG, ends 2024 as a leader in secure, decentralized IoT ecosystems. Utilizing its blockchain-based TIOT token, SEALCOIN empowers IoT devices to autonomously exchange data, energy, and services, transforming real-time interactions with unmatched trust and efficiency. In January 2025, SEALCOIN will achieve a major milestone in cooperation with WISeSat AG, another WISeKey subsidiary which focuses on space technology for secure satellite communication, specifically for IoT applications, with the launch of a new generation of WISeSat satellites designed to support autonomous machine-to-machine (M2M) transactions from space. This Proof of Concept (PoC) will demonstrate secure, satellite-initiated transactions with IoT devices, marking a significant step toward creating a scalable Transactional IoT (t-IoT) infrastructure. By combining SEALCOIN’s decentralized platform with WISeSat’s capabilities, the PoC will showcase how blockchain and space technologies can enable global IoT networks with unparalleled security and scalability. Earlier in 2024, SEALCOIN successfully conducted a PoC for t-IoT transactions between two devices, proving its ability to disintermediate service providers and securely manage decentralized device interactions. The upcoming generation of WISeSat satellites will feature enhanced operational capabilities tailored for M2M transactions, reinforcing SEALCOIN’s position as a pioneer in space-based digital ecosystems. With decentralized ledger technology ensuring secure, tamper-proof exchanges, SEALCOIN is driving innovation in industries like energy, logistics, and environmental monitoring, expanding the possibilities for IoT devices to interact autonomously in real-time. SEALCOIN’s roadmap for 2025 focuses on scaling its space-based IoT initiatives, refining blockchain solutions for advanced security and scalability, and exploring partnerships to expand the transactional IoT ecosystem. By addressing real-world challenges with innovative solutions, SEALCOIN continues to deliver long-term value to stakeholders and set new standards for global IoT ecosystems. With Swiss regulatory compliance, advanced encryption, and collaboration with cutting-edge technologies like Hedera Hashgraph, SEALCOIN’s decentralized architecture ensures trust, transparency, and privacy in IoT transactions. SEALCOIN AG is revolutionizing the future of machine-to-machine transactions with its innovative integration of blockchain and space technology. SEALCOIN is committed to fostering secure, scalable, and autonomous IoT ecosystems, enabling a new era of interconnected devices. About WISeKey WISeKey International Holding Ltd (“WISeKey”, SIX: WIHN; Nasdaq: WKEY) is a global leader in cybersecurity, digital identity, and IoT solutions platform. It operates as a Swiss-based holding company through several operational subsidiaries, each dedicated to specific aspects of its technology portfolio. The subsidiaries include (i) SEALSQ Corp (Nasdaq: LAES), which focuses on semiconductors, PKI, and post-quantum technology products, (ii) WISeKey SA which specializes in RoT and PKI solutions for secure authentication and identification in IoT, Blockchain, and AI, (iii) WISeSat AG which focuses on space technology for secure satellite communication, specifically for IoT applications, (iv) WISe.ART Corp which focuses on trusted blockchain NFTs and operates the WISe.ART marketplace for secure NFT transactions, and (v) SEALCOIN AG which focuses on decentralized physical internet with DePIN technology and house the development of the SEALCOIN platform. Each subsidiary contributes to WISeKey’s mission of securing the internet while focusing on their respective areas of research and expertise. Their technologies seamlessly integrate into the comprehensive WISeKey platform. WISeKey secures digital identity ecosystems for individuals and objects using Blockchain, AI, and IoT technologies. With over 1.6 billion microchips deployed across various IoT sectors, WISeKey plays a vital role in securing the Internet of Everything. The company’s semiconductors generate valuable Big Data that, when analyzed with AI, enable predictive equipment failure prevention. Trusted by the OISTE/WISeKey cryptographic Root of Trust, WISeKey provides secure authentication and identification for IoT, Blockchain, and AI applications. The WISeKey Root of Trust ensures the integrity of online transactions between objects and people. For more information on WISeKey’s strategic direction and its subsidiary companies, please visit www.wisekey.com . Disclaimer This communication expressly or implicitly contains certain forward-looking statements concerning WISeKey International Holding Ltd and its business. Such statements involve certain known and unknown risks, uncertainties and other factors, which could cause the actual results, financial condition, performance or achievements of WISeKey International Holding Ltd to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. WISeKey International Holding Ltd is providing this communication as of this date and does not undertake to update any forward-looking statements contained herein as a result of new information, future events or otherwise. This press release does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, and it does not constitute an offering prospectus within the meaning of the Swiss Financial Services Act (“FinSA”), the FinSa's predecessor legislation or advertising within the meaning of the FinSA. Investors must rely on their own evaluation of WISeKey and its securities, including the merits and risks involved. Nothing contained herein is, or shall be relied on as, a promise or representation as to the future performance of WISeKey. Press and Investor Contacts
NEW YORK (AP) — U.S. stocks rose Monday, with those benefiting the most from lower interest rates and a stronger economy leading the way. The S&P 500 climbed 0.3% to pull closer to its all-time high set two weeks ago. The Dow Jones Industrial Average added 440 points, or 1%, to its own record set on Friday, while the Nasdaq composite rose 0.3%. Treasury yields also eased in the bond market amid what some analysts called a “Bessent bounce” after President-elect Donald Trump said he wants Scott Bessent , a hedge fund manager, to be his Treasury Secretary. Bessent has argued for reducing the U.S. government’s deficit, which is how much more it spends than it takes in through taxes and other revenue. Such an approach could soothe worries on Wall Street that Trump’s policies may lead to a much bigger deficit, which in turn would put upward pressure on Treasury yields. After climbing above 4.44% immediately after Trump’s election, the yield on the 10-year Treasury fell back to 4.26% Monday, down from 4.41% late Friday. That’s a notable move, and lower yields make it cheaper for all kinds of companies and households to borrow money. They also give a boost to prices for stocks and other investments. That helped stocks of smaller companies lead the way, and the Russell 2000 index of smaller stocks jumped 1.5%. It finished just shy of its all-time high, which was set three years ago. Smaller companies can feel bigger boosts from lower borrowing costs because of the need for many to borrow to grow. The two-year Treasury yield, which more closely tracks the market’s expectations for what the Federal Reserve will do with overnight interest rates, also eased sharply. The Fed began cutting its main interest rate just a couple months ago from a two-decade high, hoping to keep the job market humming after bringing inflation nearly all the way down to its 2% target. But immediately after Trump’s victory, traders had reduced bets for how many cuts the Fed may deliver next year. They were worried Trump’s preference for lower tax rates and higher spending on the border would balloon the national debt. A report coming on Wednesday could influence how much the Fed may cut rates. Economists expect it to show that an underlying inflation trend the Fed prefers to use accelerated to 2.8% last month from 2.7% in September. Higher inflation would make the Fed more reluctant to cut rates as deeply or as quickly as it would otherwise. Goldman Sachs economist David Mericle expects that to slow by the end of next year to 2.4%, but he said inflation would be even lower if not for expected tariff increases on imports from China and autos favored by Trump. In the stock market, Bath & Body Works jumped 16.5% after delivering stronger profit for the latest quarter than analysts expected. The seller of personal care products and home fragrances also raised its financial forecasts for the full year, even though it still sees a “volatile retail environment” and a shorter holiday shopping season this year. Much focus has been on how resilient U.S. shoppers can remain, given high prices across the economy and still-high interest rates. Last week, two major retailers sent mixed messages. Target tumbled after giving a dour forecast for the holiday shopping season. It followed Walmart , which gave a much more encouraging outlook. Another big retailer, Macy’s, said Monday its sales for the latest quarter were in line with its expectations, but it will delay the release of its full financial results. It found a single employee had intentionally hid up to $154 million in delivery expenses, and it needs more time to complete its investigation. Macy’s stock fell 2.2%. Among the market’s leaders were several companies related to the housing industry. Monday’s drop in Treasury yields could translate into easier mortgage rates, which could spur activity for housing. Builders FirstSource, a supplier or building materials, rose 5.9%. Homebuilders, D.R. Horton, PulteGroup and Lennar all rose at least 5.6%. All told, the S&P 500 rose 18.03 points to 5,987.37. The Dow Jones Industrial Average jumped 440.06 to 44,736.57, and the Nasdaq composite gained 51.18 to 19,054.84. In stock markets abroad, indexes moved modestly across much of Europe after finishing mixed in Asia. In the crypto market, bitcoin was trading below $95,000 after threatening to hit $100,000 late last week for the first time. AP Business Writer Elaine Kurtenbach contributed.EAGAN, Minn. (AP) — Justin Jefferson might be weary of all the safeties shadowing his every route, determined not to let the Minnesota Vikings go deep, but he's hardly angry. The double and triple coverage he continually faces, after all, is a sign of immense respect for his game-breaking ability. The strategy also simply makes sense. “I would do the same," Jefferson said. "It’s either let everybody else go off or let Justin go off. I’m going to let everybody else go off. That would be my game plan.” When the Vikings visit Chicago on Sunday, they're expecting the usual heavy dose of split-safety coverage designed to put a lid on the passing attack and force them to operate primarily underneath. “We see that every week: Teams just have different tendencies on film, and then when we go out on the field they play us totally different,” Jefferson said, later adding: “I don’t really feel like anyone else is getting played how I’m getting played.” Jefferson nonetheless is second in the NFL in receiving yards (912) behind Cincinnati's Ja'Marr Chase, his former college teammate at LSU. Last week, Jefferson set yet another all-time record by passing Torry Holt for the most receiving yards over the first five seasons of a career. Holt logged 80 regular-season games and accumulated 6,784 yards for St. Louis. Jefferson has 6,811 yards — in just 70 games. “I want to go up against those single coverages. I want to go have my opportunities to catch a deep pass downfield, just one-on-one coverage, like a lot of these other receivers get," Jefferson said. "It’s definitely difficult going up against an extra person or an extra two people, but it is what it is and the concepts that we’re drawing up and the ways that we’re trying to get me open, it definitely helps.” With fellow tight end Josh Oliver ruled out of the game on Sunday because of a sprained ankle, T.J. Hockenson is certain to have his heaviest workload since returning from knee surgery four weeks ago. He's also certain that Jefferson will continue to see persistent double-teams. “It puts it on us to make some plays and do some things to get them out of that,” Hockenson said. Vikings coach Kevin O'Connell has been forced to dig deeper into the vault of play designs and game plans to help keep quarterback Sam Darnold and the offense on track. O'Connell said after Minnesota's 12-7 win at Jacksonville, when Darnold threw three interceptions to precipitate a safer strategy down the stretch, that he superseded his play-calling role with the wisdom of a head coach to help win that game. "Not just the egomaniac of wanting to score points and constantly show everybody how smart we are. There was a mode that I think you have to go into sometimes to ensure a victory,” O'Connell said on his weekly show on KFAN radio. Taking what the defense gives is usually the shrewdest strategy. “You’ve got to really implement some new things and some things that maybe you didn’t come across during your early coaching years whether as a coordinator or position coach or even when you’re responsible for a small area of the game plan as a younger coach," O'Connell said. "You really have to kind of look outside the lens of always what you see on tape.” AP NFL: https://apnews.com/hub/NFLGovernment to block incinerators that do not contribute to green plansLSU applies latest rout of Mississippi Valley State 110-45
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