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Fintern launches consumer lending driven by AI and Open Banking

Stockwood Strategy

The UK consumer lending market is worth £160bn, yet over 15 million people in the UK are denied access to affordable loans. These people are resorting to unsustainable means including high-cost lenders and buy-now-pay-later schemes to manage their lives. Today, digital consumer lender Fintern has launched to radically transform the financial well-being of people with an innovative and sustainable lending approach that goes beyond traditional credit scoring and puts affordability first. Fintern’s next generation credit technology bypasses credit scores in making lending decisions, focusing instead on affordability. Fintern builds relationships with customers helping them to understand how much they really need, how much they can afford to take on, and how they will repay. Fintern integrates its AI platform with Open Banking* to smartly connect the dots in consumers’ banking data enabling Fintern to obtain the most accurate view of borrowers’ affordability and spending behaviour using real time transaction information. Gerald Chappell, CEO and co-founder of Fintern commented: “Fintern will help people to really understand what is affordable for them, rather than offering yet another faceless transactional process. Currently, lenders either lend money or don’t, and then don’t engage with the borrower again until the loan terms ends or payments are missed. “Our success as a lender lies in the ability of our customers to repay their loans. Our AI-powered technology helps us and all our customers to understand their finances in a deeper, more hands-on way than ever before. This approach allows us to increase approval rates, lower APRs and empower our customers to make the best and most responsible borrowing decisions for them.” The approach of banks to personal lending inappropriately results in “computer says no” answers for millions every year. While traditional behavioural credit scoring (the industry’s approach for credit decisioning) works well to separate the highest quality customers from the lowest, it performs poorly in differentiating risk among the majority of people. Often the consumers hardest hit are those who have had historical blips in their credit records or, for example, those people who are new to credit or have moved countries. Dr. Michelle He, COO and co-founder of Fintern added: “We will be closer to our customers than incumbent lenders can ever be, and this will differentiate us in the marketplace. Intelligently integrating AI and Open Banking data disrupts credit decisioning for the better of all customers. Doing it well requires the right experience. Data and technology are Fintern’s bread and butter. We have an amazing team with extensive experience in digital lending and credit analytics. They are customer obsessed and have made the Fintern App a unique experience.” Looking ahead, Gerald Chappell added: “As we emerge from the Covid-19 pandemic, Fintern is needed now more than ever. While many existing lenders are reducing credit supply given the shock to their existing portfolios, Fintern uses high frequency transaction data to understand consumers’ real time financial circumstances and lend responsibly. Over the next 4-5 years, we intend to rapidly grow in the UK building a £1bn loan book alongside broadening our product range and considering expansion to other geographies.” Fintern received its FCA authorisation as a regulated consumer credit lender in February 2021. The co-founders have built an exceptional team that includes credit experts with over 100 years’ experience in finance and technology. Ends * Open Banking regulation requires UK banks to open up customer transaction data in a secure and standardised form, which means the third party providers have access to consumer data from banks via APIs. While the UK is leading globally on Open Banking, adoption is under way in 35 economies. About Fintern Fintern is a digital consumer lender on a mission to expand access to low cost personal finance and transform financial well-being. Fintern’s next generation credit technology bypasses credit scores in making lending decisions, focusing instead on affordability. Fintern builds relationships with customers helping them to understand their repayment capacity and credit appetite. Fintern integrates its AI platform with Open Banking to smartly connect the dots in consumers’ banking data enabling Fintern to obtain the most accurate view of borrowers’ affordability and spending behaviour using up to the minute transaction information. Fintern was founded in 2020 with a team from McKinsey, EY, Bank of America Merrill Lynch, HSBC and XiaoMi. Fintern is authorised and regulated by the Financial Conduct Authority, firm reference number 929244, a member of Cifas (the UK's leading anti-fraud association) and registered with the UK Information Commissioner's Office in compliance with the Data Protection Regulations 2018. Contact Details Fintern Bilal Mahmood +44 7714 007257 press@fintern.ai Company Website https://fintern.ai/

March 08, 2021 06:00 AM Eastern Standard Time

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YELP SPRINGS FOR HOME CLEANING TO HELP SINGLE PARENTS

Yelp

While virtually no one has been left unchanged by the pandemic, single parents have been especially burdened by the disruption to their lives. America has the highest number of children living in single-parent households, and single parents across the country have been saddled with additional stressors for the past year due to COVID-19 — from balancing work with childcare and distance learning, to additional house chores. Trying to maintain a clean and tidy home can be challenging on top of all of the roles single parents are juggling. Kicking off just in time for spring cleaning and ahead of National Single Parents Day (March 21), Yelp is springing for single parents’ cleaning bills for a whole year. When it comes to maintaining the house, parents spend an average of seven hours per week cleaning - that’s seven valuable hours that could be spent with kids or for selfcare.* With spring cleaning season upon us, Yelp wants to help curtail one of the stressors for single parents - cleaning the house. As part of our Spring for Cleaning fund, Yelp will award five selected users a $4,000 gift card to cover the cost of a professional cleaning service once a week for one year, for two hours each week.** Single parents can enter for a chance to win by using Yelp’s Request a Quote feature to find a cleaner in their area, and submitting the quote at YelpSpringsforCleaning.com starting March 3rd through March 21st. See the Official Rules available at YelpSpringsforCleaning.com/Rules. * 2018 ACI National Cleaning Survey **See the Official Rules available at YelpSpringsforCleaning.com/Rules. Annual costs of a professional cleaning service based on an average cost of $39.00 per hour. About Yelp Yelp Inc. ( www.yelp.com ) connects people with great local businesses. With unmatched local business information, photos, and review content, Yelp provides a one-stop local platform for consumers to discover, connect, and transact with local businesses of all sizes by making it easy to request a quote, join a waitlist, and make a reservation, appointment, or purchase. Yelp was founded in San Francisco in July 2004. Contact Details Alison Brod Marketing + Communications Media Contact +1 212-230-1800 Yelp@abmc-us.com Company Website https://www.yelp.com

March 03, 2021 07:03 AM Eastern Standard Time

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How Genetic Testing Can Impact Health and Wellness

YourUpdateTV

In recent years, direct-to-consumer genetic testing has been used to facilitate the detection of certain health risks, allowing for proactive lifestyle modifications. In some cases, genetic testing can be lifesaving for patients, helping empower them to make informed life choices, with the help of healthcare providers, to improve their health and well-being. Recently, Genetic Trends Expert at 23andMe, Jhulianna Cintron and customer Marc Lovicott, participated in a nationwide satellite media tour to discuss the benefits of genetic testing on health and wellness. A video accompanying this announcement is available at: https://youtu.be/Nz1ZCfva2aw Marc Lovicott, the Director of Communications and Public Information Officer at the University of Wisconsin-Madison Police Department, is one such example. Last year, Marc began suffering from debilitating headaches and gastrointestinal distress, but a variety of tests offered no answers. In tandem, Marc decided to purchase a Health + Ancestry kit from 23andMe to learn more about his ancestry and his health. Marc was surprised when he opted into his Genetic Health Risk reports and saw he had one of the variants common in people with celiac disease.* He took the information to his doctor who did follow-up testing to reveal that Marc does in fact have celiac disease. Since the diagnosis, Marc has been able to make positive changes to help him manage living with the disease. Using insights backed by the latest science, 23andMe helps users determine how their DNA can affect their chances of developing certain health conditions, including type 2 diabetes, celiac disease, high blood pressure, kidney stones and more.* For more information, visit 23andMe.com About 23andMe: 23andMe, Inc. is the leading consumer genetics and research company. Founded in 2006, the mission of the company is to help people access, understand, and benefit from the human genome. 23andMe is the first direct-to-consumer company to receive FDA authorization for genetic health reports, and has millions of customers worldwide, with more than 80 percent of customers consented to participate in research. 23andMe, Inc. is located in Sunnyvale, CA. More information is available at www.23andMe.com. About Marc Lovicott: Marc is the Director of Communications & Public Information Officer at the University of Wisconsin-Madison Police Department. He purchased a 23andMe kit out of interest for his ancestry, but decided to splurge on the Health + Ancestry kit to learn more about his health. Earlier that year, Marc began suffering from debilitating headaches and gastrointestinal distress. After a battery of tests that offered no answers, Marc looked at his 23andMe results and saw he had one of the variants common in people with celiac disease. He took the information to his doctor, who through a blood test and endoscopy confirmed that Marc does in fact have celiac disease. Since learning his diagnosis, Marc has adopted a gluten free diet, and not only feels higher energy, but his headaches and gastrointestinal issues are gone too. In Marc’s words, “I'm still amazed that I was able to get some answers from the 23andMe kit! About YourUpdateTV: YourUpdateTV is a social media video portal for organizations to share their content. It includes separate channels for Health and Wellness, Lifestyle, Media and Entertainment, Money and Finance, Social Responsibility, Sports and Technology. *23andMe health predisposition reports include both reports that meet FDA requirements for genetic health risks and reports which are based on 23andMe research and have not been reviewed by the FDA. The test uses qualitative genotyping to detect select clinically relevant variants in the genomic DNA of adults from saliva for the purpose of reporting and interpreting genetic health risks. It is not intended to diagnose any disease. Your ethnicity may affect the relevance of each report and how your genetic health risk results are interpreted. Each genetic health risk report describes if a person has variants associated with a higher risk of developing a disease,but does not describe a person’s overall risk of developing the disease. The test is not intended to tell you anything about your current state of health, or to be used to make medical decisions, including whether or not you should take a medication, how much of a medication you should take, or determine any treatment. For important information and limitations regarding each genetic health risk report, visit 23andme.com/test-info. Contact Details YourUpdateTV +1 212-736-2727 yourupdatetv@gmail.com

March 02, 2021 04:20 PM Eastern Standard Time

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Women Retirees Underestimate the Coming Long-Term Care Tsunami by Jennifer Lang Financial Services

Jennifer Lang Financial Services, LLC

Contact Details Jennifer Lang Financial Services, LLC. Jennifer Lang +1 877-487-8926 mail@jenniferlangfinancialservices.com Company Website https://www.jenniferlangfinancialservices.com

March 02, 2021 10:05 AM Eastern Standard Time

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How New Airbnb Hosts Have Earned $1 Billion During the Pandemic

YourUpdateTV

The COVID-19 pandemic has sent travelers looking for safe, comfortable settings in which to connect with family and friends, creating economic opportunity for others to earn needed extra income by listing their homes on Airbnb. New hosts with only one listing who have welcomed their first guests since the start of the pandemic have already earned more than $1 billion. Recently, Christopher Nulty, Head of Global Public Affairs at Airbnb, discussed this trend and what it means for the future of travel. A video accompanying this announcement is available at: https://youtu.be/kjxmBO8MLKc Families and workers around the world have struggled financially because of the economic hardship caused by the pandemic, and in the US, one in four adults have had a hard time paying bills and one third have tapped their savings or retirement funds. For many, sharing their homes on Airbnb has provided a critical and urgent COVID social safety net to help stay economically afloat in these unprecedented times. In the US, the typical new Airbnb host with only one listing earned $3,900 since March 2020. This is income being used to pay important bills with half of all hosts worldwide using their Airbnb earnings to stay in their homes. During the pandemic, three in 10 US hosts (29 percent) have used their hosting income to pay their rent or mortgage—including half (49 percent) of hosts aged 25-34. One quarter of hosts (26 percent) have used the income to pay down debts, and 10 percent have used it to pay for healthcare. For more information, visit Airbnb.com About Christopher Nulty: Christopher Nulty is Airbnb's Head of Global Public Affairs. Prior to joining Airbnb in 2015, Christopher led public relations for Yahoo CEO Marissa Mayer. Christopher started his career in Washington, D.C., where he worked on Immigration and Healthcare Policy at the 2.2 million member Service Employees International Union (SEIU). A proud native of upstate New York, Christopher is a graduate of Colgate University where he currently serves as a director on the Alumni Council Board of Directors. About YourUpdateTV: YourUpdateTV is a social media video portal for organizations to share their content. It includes separate channels for Health and Wellness, Lifestyle, Media and Entertainment, Money and Finance, Social Responsibility, Sports and Technology. Contact Details YourUpdateTV +1 212-736-2727 yourupdatetv@gmail.com

March 01, 2021 11:00 AM Eastern Standard Time

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Infographic: Permanent Changes in Behavior and Expectations Beyond COVID-19 Vaccine Rollout

Metova Inc.

Contact Details Metova Anders Steele +1 323-909-2341 anders.steele@metova.com Company Website https://metova.com/infographic-expectations-beyond-covid-19/

February 26, 2021 09:19 AM Eastern Standard Time

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TIM HORTONS U.S. INTRODUCES MEMBER MONTH FOR LOYALTY GUESTS

Tim Hortons

Tim Hortons® U.S. is celebrating its loyalty members with the launch of its brand-new Member Month. Beginning March 3, 2021 and continuing throughout the entire month, registered Tims Rewards members in the U.S. can earn double points for every eligible transaction when they order on Tim Hortons app, online, or scan a registered Tims Rewards card. During Member Month, rather than earning 10 points, registered members will earn 20 points per eligible transaction during their visit(s). With double the points, members will earn rewards faster. With potential reward redemptions that could include a free coffee every four visits, a free donut every three visits, and more!* In fact, Tim Hortons hopes to giveaway an additional 10 million points, or an equivalent of an additional 125,000 free coffees during Member Month. “Our Tims Rewards loyalty platform has grown in the last year and is delivering value to guests by allowing them to earn points and providing member offers,” said Yosef Hojchman, Head of Marketing for Tim Hortons U.S. “We want to show our guests how much we appreciate them by supercharging the reward program to provide even more. Tim Hortons made the decision to pivot away from the annual Roll Up the Rim to Win game to an all-digital promotion for loyalty guests based on COVID-19 safety precautions and concerns. The reimagined Member Month will offer loyalty guests a month of increased rewards and more flexible reward redemption options. To participate in Member Month and earn double points, order in the app or scan your registered Tims Rewards card when you make a purchase. Not a member? Download the Tim Hortons® app today or visit www.timhortons.com/timsrewards and register your physical card. *Tims Rewards members can redeem points for a variety of eligible menu items. Learn more about redemption options and the Tims Rewards by Tim Hortons rewards program at [URL]. All offers and rewards are subject to Tims Rewards terms and conditions. Details at https://www.timhortons.com/terms-conditions-rewards About TIM HORTONS® Tim Hortons® is one of North America's largest restaurant chains operating in the quick service segment. Founded as a single location in Canada in 1964, Tim Hortons appeals to a broad range of guest tastes, with a menu that includes premium coffee, hot and cold specialty drinks (including lattes, cappuccinos, espresso, teas and our famous Iced Capps™), fresh baked goods, hot breakfast sandwiches, breakfast snacking items, and other food products. Tim Hortons has more than 4,800 system wide restaurants located in Canada, the United States and around the world. More information about the company is available at www.timhortons.com. Contact Details Alison Brod Marketing + Communications Adrianna Lauricella +1 212-230-1800 tims@abmc-us.com Company Website https://www.timhortons.com/

February 25, 2021 09:02 AM Eastern Standard Time

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The CoreBev Group’s Cylinder® Vodka Announces Search for Artist to Design Limited Edition Bottle

The Core Bev Group

Connecticut-based CoreBev Group’s Cylinder® Vodka brand is proud to announce its new Cylinder Bottle Art Competition Series. The brand will provide one lucky artist the chance to win $500, and an opportunity to have their artwork featured on a limited-edition Cylinder 2021 bottle. The winning artist will also be featured in Social Life magazine, the premier luxury publications for the Hamptons. “Over the years, the iconic Cylinder Vodka glass bottle has become a symbol of the brand and its premium craftsmanship,” explained Stelios Stavrianos, CEO of CoreBev Group and founder of Cylinder. “Lauded by mixologists and vodka connoisseurs alike for its smooth taste and clean aroma, Cylinder has served as a blank canvas, inspiring countless signature drinks from coast to coast.” The Cylinder Bottle Art Competition calls all artists to submit original artwork in the form of photography, drawing, illustration or painting that speaks to the brand’s identity: “ Bartender Inspired. Bartender Crafted.” Starting now, aspiring artists are encouraged to upload their original artwork on the Cylinder Bottle Art Competition submission page ( https://www.cylindervodka.com/art ) through April 15, 2021. The CoreBev Group appointed panel of jurors will review the top prospects and choose three finalists. Entries will be evaluated on the following criteria: creativity, originality, ability to capture the essence of the Cylinder brand and the persuasiveness of the essay. Between April 16th and the 30th, Cylinder will leverage its Instagram and Facebook communities to cast votes for their favorite design. The artwork with the highest combined score from public voting and from the selection panel will be awarded the Grand Prize”. The winner will be announced on May 7, 2021. Fans and artists participating in the Cylinder Bottle Art Competition must be over the age of 21 and be a U.S. citizen to participate. To learn further about the Cylinder Bottle Art Competition Series, please visit ( https://www.cylindervodka.com/art ), visit Cylinder’s Facebook page ( www.facebook.com/CylinderVodka ). Fans are also encouraged to follow Cylinder on Instagram (@CylinderVodka). About The CoreBev Group Based in Stamford, Connecticut, The CoreBev Group develops and scales craft spirits that connect the best artisans to consumers across the country. Home to Cylinder vodka, the award-winning vodka is one of the fastest growing craft brands in the United States. About Cylinder® About Cylinder® Cylinder ® started with a simple idea: to use its founders’ bartender know-how to make a great-tasting, bartender crafted vodka. Stelios Stavrianos sourced the best ingredients and applied the creativity of a master mixologist to create the most delicious vodka. Introduced in 2017, Cylinder is an inspiring player in the spirits industry. The brand has won various awards in 2020, including a Platinum award from SIP, the only international spirits competition with only consumer judges; a Gold Medal from the San Francisco World Spirits Competition and San Diego Spirits Competition. It was also awarded a Silver medal from the Denver International Spirits Competition. Contact Details Danika Communications Anne Ryan +1 203-661-3663 ryan@danikapr.com Company Website https://www.corebev.co/

February 25, 2021 07:10 AM Eastern Standard Time

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Keeping Your Heart Healthy with Kori Krill Oil: American Heart Month

YourUpdateTV

Heart disease is the leading health-related cause of death in the United States, taking the lives of 2,200 people each day. Nearly half of American adults have at least one of the top three risk factors for heart disease: high blood pressure, high cholesterol, and smoking. February is American Heart Month, a time to learn about simple steps you can take now to help your heart. For many years, experts have recommended that people eat fatty fish rich in essential Omega-3 nutrients at least twice a week. But did you that most Americans—up to 70%— are deficient in Omega-3s because they do not eat enough fish? That’s a concern because scientific studies have shown that Omega-3s can support our heart and overall health. A video accompanying this announcement is available at: https://youtu.be/j-djtjZjb9M So, if you want to get on track to a maintaining a healthy heart but don’t know where to start, what to eat or what supplements to use, what should you do? Kori Krill Oil partnered with Dr. Taz Bhatia, D S Simon Media, and YourUpdate TV on a nationwide media tour to discuss the steps you can take to help your heart, including the heart-healthy benefits of Omega-3s. Where you get your Omega-3s from matters. Research has found that there are two critical types of Omega-3s for our health, called EPA and DHA. These are what you find in real fish and in ocean-sourced supplements like Kori Pure Antarctic Krill Oil. According to the FDA, supportive but not conclusive research shows that consumption of EPA and DHA omega-3 fatty acids may reduce the risk of coronary heart disease. One serving of Kori Krill Oil provides 250 grams of EPA and DHA Omega-3 fatty acids. [See nutrition information for total fat, saturated fat and cholesterol content.] In addition, Omega-3s support normal triglycerides, may increase good cholesterol (HDL), and support normal circulation and heart rhythm. The important thing to realize about Omega-3 fatty acids is that our bodies can’t make them on their own. We have to consume them. Krill oil has been clinically proven to raise Omega-3 levels and is a doctor recommended Omega-3 source. Kori Krill Oil has superior Omega-3 absorption vs fish oil because it delivers Omega-3s in their most natural form, just as you would find in real fish. Plus, it has no fishy aftertaste. In addition to Omega-3s, Kori Krill Oil is also naturally a good source of choline, another essential nutrient that supports brain and nervous system health, and has an antioxidant. You won’t find either of these in fish oil. It even comes in small and mini sizes for people who have trouble swallowing large pills. Kori Krill Oil has a commitment to purity and quality. It’s certified sustainably sourced from pristine Antarctic waters and does not add artificial ingredients. For more information about supporting your heart health visit korikrilloil.com You can get Kori Krill Oil at Walmart, CVS and other retailers. About YourUpdateTV: YourUpdateTV is a social media video portal for organizations to share their content. It includes separate channels for Health and Wellness, Lifestyle, Media and Entertainment, Money and Finance, Social Responsibility, Sports and Technology. Contact Details YourUpdateTV +1 212-736-2727 yourupdatetv@gmail.com

February 24, 2021 09:00 AM Eastern Standard Time

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