For any industry to sustain itself in today’s world, implementing digital strategies has become indispensable. This holds particularly true for the financial services industry. The good news is that digital transformation in financial services has already begun, and we’ll likely see more and more innovative technologies underpinning banking and financial institutions in the coming years. Keep reading to learn about the latest digital transformation trends in the financial services industry. Big data and artificial intelligence The combination of big data and artificial intelligence is a revolutionary digital strategy that is shaping the future of banking and financial services. The technology helps institutions process, store, and drive valuable insights from the data they gather from their customers’ activities. Big data and artificial intelligence allow institutions to create a highly personalized experience, helping businesses attract and retain customers. Blockchain Blockchain is a fairly new technology that is becoming increasingly popular in the financial services industry. With blockchain technology, all transactions are permanently stored in the blockchain network, providing the highest level of transparency and security. Nobody can tamper with these transactions, which nearly eliminates the risk of error and fraud. Besides security, the technology is being explored for use in a wide variety of banking and investment applications. Biometrics The idea of digital or mobile wallets is convenient for most people. However, some people avoid using these services due to legitimate security concerns. And this is where biometric technology comes in. Fingerprint and face recognition technologies ensure that no one except the rightful owner has access to their funds. With the technology largely in place already, both buyers and sellers prefer using mobile payment over cash and checks. Cloud computing Cloud technology is on the rise in the banking and financial services industry. Cloud computing offers institutions a cheaper way to store and analyze enormous amounts of data.

From carpets and drapes to upholstered furniture and air ducts, everything in your home attracts dust and various other contaminants. Perhaps the best way to get rid of these contaminants is to call a professional cleaning service. If you’re looking for a reliable service provider, SERVPRO is an excellent option. With over 50 years of experience, they are the country’s leading residential and commercial restoration and cleaning service. This article looks at the various residential cleanup services offered by SERVPRO. Air ducts and HVAC Routine inspection and cleaning of the HVAC (heating, ventilating, and air conditioning) units in your home can extend the equipment life and improve the quality of indoor air. Biohazard SERVPRO professionals are equipped with the necessary safety apparatus and cleaning products to clean, remove biohazards and dispose them of properly. Carpet and upholstery cleaning They offer various specialized regular and deep cleaning methods for all types of carpets in homes. Ceiling, floors, and walls Ceilings and walls accumulate cooking oils and grease, cigarette smoke, and other contaminants over time. Getting them cleaned by professionals occasionally is a great idea. Drapes and blinds SERVPRO specializes in cleaning fine fabrics and intricate pieces. They offer five different cleaning methods for drapes and blinds. You can consult with their professional to select the most appropriate method. Odor removal Persistent odors within the indoor environment can damage your health. Professionals at SERVPRO can identify and eliminate odors using specialized equipment and techniques. Sewage and toilet overflow Toilet overflow or sewer backups should be considered an emergency. These waters are usually contaminated with harmful viruses, bacteria, and other microbes. Trauma and crime scene SERVPRO professionals follow OSHA and EPA to get rid of biohazard contaminants from blood, chemicals, or tear-gas residues following crime or accident scenes. Vandalism and graffiti It’s usually difficult to remove graffiti paint without expert help.

Medicare is a health insurance program issued by the government. The program covers people aged 65 or older, certain people with disabilities, and patients with end-stage renal diseases. It encompasses several plans and is divided into four parts with certain services – A, B, C, and D. Out of these, Part A is free for those who’ve paid Medicare taxes for at least ten years, but the others have to pay a premium. Even though the program is helpful for many, some Medicare plans are complicated in terms of coverage. This makes it difficult to understand. They might cover various aspects of health care, but many conditions are not covered as well, some of which include: Dental care Medicare plans may cover basic health care services and X-rays, but they have a limit of $1,500 annually. Medicare plans may not cover routine dental checkups and treatment of certain dental services. They also do not cover dentures and fillings. However, in the case of emergency hospitalization, patients can use Part A to pay off certain dental services. Long-term hospitalization Usually, all Medicare plans cover up to 90 days of hospitalization. The benefit period begins on the first inpatient day at a hospital or nursing facility and ends when inpatient care isn’t received for more than 60 days. Furthermore, if the patient suffers two or more accidents within 60 days, the Medicare plans cover the cost for only one of them. Cosmetic surgeries Original Medicare plans do not cover the costs of cosmetic surgeries. However, if it is due to a deformity or injury, the patient can use Medicare plans to pay for certain health care services such as artificial limbs, artificial eyes, and replacement parts. Furthermore, breast cancer survivors can also employ Medicare to pay for a post-mastectomy breast prosthesis. Health care received while overseas In most cases, original Medicare plans do not include health care expenses incurred outside the country.

Whether you want to browse the Web, download your favorite movies, or stream your some shows, you will need a reliable and fast internet connection to enjoy a seamless and lag-free experience. But how do you ensure this? You can choose from among the many internet services that offer amazing speeds, customer service, and user experience, as mentioned in the list below. AT&T AT&T is widely known for having an unquestionably good customer service. In fact, it has, over the years, won several awards with respect to its customer experience, wireline service, and more. AT&T Fiber, the brand’s fastest internet plan, can deliver up to 1,000 Mbps of speed in certain cities. It is ideal for streaming or downloading heavy files and media, and works via networks that are fiber-optic. In case you have a smaller home and your region is not eligible for AT&T Fiber, you can avail of a digital subscriber line (DSL), which is a good option for lighter web use. Verizon Verizon is popular for having the best-in-class fiber internet connection. As per a 2018 report by the Federal Communications Commission (FCC), the speeds the company offers are higher than what it advertises. Verizon is a great choice for internet activities like online gaming, video conferencing, and video streaming. With more than a million people using its services in the Northeast, it offers speeds that go up to 940 Mbps. Frontier Communications Frontier is known for delivering highly affordable internet services. It offers a no-contract option with its plans, which makes it ideal for people who may be switching jobs or residences. In addition, the plans come with a price-lock of two years, which guarantees that the price at which you subscribe to the connection remains the same for the coming two years. Frontier’s speeds go up to 6 Mbps, which is adequate for emailing, browsing the Web, and similar activities.

Identity theft is one of the most common crimes that are rising in recent times. Significant data breaches have been hitting many people over the last few years. This has led to increasing cases of falsely using a person’s name and other private information to apply for a mortgage. To avoid such situations, it has become imperative to protect identity-related information. Here are a few popular and best identity theft protection services to manage and protect identity. LifeLock LifeLock offers a range of identity theft protection services such as ID verification monitoring, stolen wallet protection, checking/savings account application alerts, and home title monitoring. The services also include SSN and credit alerts, alerts on suspicious activity, dark web monitoring, credit card activity, as well as fraud alerts. These services usually start from around $9 a month and can go up to $26 a month in the first year of subscription. Identity Guard Identity Guard utilizes IBM artificial intelligence capability to offer advanced credit monitoring and identity theft protection. In addition, its services also include theft prevention and identity recovery assistance. One of the most notable features of this identity theft service is that it has identity theft insurance up to $1 million. Along with individual plans, Identity Guard also offers family plans. IdentityForce IdentityForce offers a wide range of identity theft services across two tiers. Customers can choose between UltraSecure and UltraSecure+Credit. The services on offer include monitoring credit information, checking public information records for address changes, monitoring court and arrest records, checking payday loan applications, and checking for identity information on illegal identity-sharing websites. In addition, it monitors registries of sex offenders to rule out any illegal use of identity along with tracking SSNs. ReliaShield Elite ReliaShield Elite offers protection and monitoring in different major domains that identify thieves who usually target:

One of the most popular diet plans currently is the keto diet. Although it originated a few years ago, the diet has remained popular, especially among those with a specific health goal, such as gaining muscle or losing weight. It is a low-carb, and high-fat and high-protein diet; and one of the best ways to stick to it is to opt for a keto meal delivery service. Here are some options: Fresh n Lean Fresh n Lean has several diet plans, including a keto diet plan. You have the option of getting all three meals, i.e., breakfast, lunch, dinner, delivered to you for the entire week. When you are ordering your meal for the week, you can also opt for additional snacks. Their keto meal delivery plan is not only recommended by nutritionists, but is also certified by the United States Department of Agriculture (USDA). Each meal is priced at $10.38, and if you are a new customer, then you can get $20 off your first order. Home Chef Home Chef caters to not just you but your family’s needs. They deliver boxes with ingredients and recipes that you can easily make at home for a family of two, four or even six. They feature weekly menus and offer a range of meal kits under the carb-conscious section. Once you sign up on their website, you will be asked to choose from the various meal plans they offer, including any ingredient that you want excluded. The costs vary depending on the meal option you choose; however, the average starting price per serving is $6.99. Ketoned Bodies One of the unique selling propositions (USP) of this meal delivery service is that they support regenerative farming, which makes their produce sustainable. They also procure organic vegetables and only use grass-fed beef and pasture-raised pork and chicken for their meal kits.

If you’re new to the cooking game, hate cooking, or simply wish to avoid grocery shopping, meal kits will be a game-changer. These ready-to-make kits come with all the ingredients and cooking instructions that are easy to help you whip up restaurant-quality meals at home. If you’re looking for fresh meal kits delivery services that meet your nutritional needs (vegan, keto, or paleo), we have compiled a list of the most popular ones. Sunbasket One of the things that set apart Sunbasket from other meal kit services is that their produce is organic, non-GMO, and nutritionist-approved. Additionally, they use eco-friendly and 100% recyclable material for packaging. You can choose between 6-18 organic types of meal recipes every week that include vegan, paleo, vegetarian, and gluten-free. Sunbasket charges about $72 for three meals for two people and approximately $145 for a four-person meal, with additional shipping charges. Factor Factor, formerly known as Factor 75, has a wide range of ready-to-eat meals that you can put in the microwave and enjoy. This service has a wide range of vegetarian, gluten-free, keto, low-carb, paleo, and dairy-free options. Plus, they use only organic produce, grass-fed meat, and certified seafood. Factor charges about $11 to $15 per meal based on quantity. Weekly meals start from $60 for four meals for a single person. Daily Harvest From premade soups, ready-to-blend vegan smoothies, and grain bowls to various frozen foods, Daily Harvest has many options to make your weekly meals look good. This is only a plant-based meal delivery service and a great choice for solo snackers. However, some items require a liquid base that would have to be purchased separately. Items are priced between $6 to $8 per cup, and the subscription is priced at about $54 for nine weekly items. Yumble If you are a working parent that has fussy kids, Yumble is a good option for them.

Flowers make for lovely gifts, presuming, of course, that they’re fresh from the nursery or garden. The vibrant colors and cheery blossoms can light up anyone’s day, making them perfect gifts for every occasion. A fresh bouquet is an excellent pick if you forgot a friend’s birthday or your own anniversary—we’re only human, it happens! Here are a few same-day flower delivery services you can rely on at such times: 1-800-Flowers.com 1-800-Flowers.com offers flower bouquets and arrangements for any occasion or holiday and is one of the country’s best online flower delivery services. The company has a tremendous selection set featuring blossoms and bouquets of every kind. Their easy-to-use website allows you to search by event, occasion, flower type, signature collections, and more. They also have other types of gifts you can choose from, and their gift baskets can give competitors a run for their money. Roses, orchids, and tulips are always in demand, so give this flower delivery service a call if you want same-day delivery and the nursery or flower shop near you is out of the type of flowers you need. Lula’s Garden® There’s no better place to buy succulents than Lula’s Garden®. You can gift a single plant or pick from various combinations of succulent gardens for prices ranging from $28 to $135, and each one comes in a beautiful and sturdy planter box. All plants are sourced from locally-grown, family-owned nurseries. With options ranging from petite gardens to premium ones, you’ll surely find something that fits your budget and suits the occasion. This delivery service is a great choice to save time, effort, and the embarrassment of gifting your loved one a dead plant. ProFlowers Owned by parent company Florists’ Transworld Delivery (FTD), ProFlowers is a leading name in the same-day flower delivery services list.

A virtual private network or VPN is one of the most useful tools for privacy that can be used at its best when using a public network, as it makes data tracking difficult due to encrypted connection. A VPN connection hides one’s IP address, which prevents companies from keeping tabs on your browsing history. So, if you are thinking of ramping up your privacy setting while using the internet, the following VPN services of 2021 can help you stay off the radar. NordVPN It is one of the best VPN services of 2021 that offers its services for both mobiles and desktops. The VPN service offers not only AES-256 standard encryption but also a double VPN system that encrypts the internet traffic twice. This ensures stronger network impermeability when using public networks. NordVPN is one of those VPN services with at least 5,000 servers in more than 60 countries, ensuring uninterrupted privacy. Moreover, it allows up to six simultaneous connections. Some of its other features include DNS leak protection, proxy extensions on Firefox and Chrome browsers, and kill switches. It is also one of the few VPN servers that accepts Bitcoin as payment. CyberGhost If you are looking for unblocked worldwide access to streaming services like Netflix, Hulu, and iPlayer, CyberGhost is the VPN service for you. One of the best features of CyberGhost is it has at least 7,000 servers with more than 105 server locations in 91 countries, allowing maximum simultaneous connections of more than 7 devices. CyberGhost runs on almost all operating systems, including Windows, Mac, iOS, and Android. The VPN service offers a trial period of 45 days with a money-back guarantee. Surfshark Like most VPN services, Surfshark offers its services on almost all OS platforms, making it compatible with mobile phones and desktops, thereby ensuring maximum privacy even on public networks.

Top internet service providers are not far behind when it comes to offering Black Friday deals. If you are planning to switch to another internet service provider or upgrade your existing plan, now is the right time. There are quite a few promotions offered to help you save money during the holiday season. Check out the best Black Friday deals on internet services in 2022. AT&T AT&T offers deals twice a year – once in July and the other for Black Friday. Currently, the internet service provider is running promotions for its fiber plans. You can switch to AT&T Fiber for free and get up to a $200 reward card through their online portal. Xfinity Xfinity offers high-speed internet-only gigabit plans starting at $80. Get the best deals by signing up for Xfinity’s 12 or 24-month contract and even through bundle plans. Xfinity offers plans with no term contract. Customers can get unlimited Gig-speed internet for $30 per month plus a free Flex 4K streaming TV box and home Wi-Fi equipment when you add one unlimited mobile line within 90 days. Optimum Optimum is run by the parent company Altice and has great deals every year for Black Friday. Get a $200 or $100 prepaid Visa gift card when you sign up for a qualifying fiber plan – a perfect deal for some extra holiday shopping. Depending on the speed tier, users also get 3 to 12 months of HBO Max subscription. New customers can get Gigabit internet for $50 per month and add on TV services for $30 per month. Verizon With this provider, you can get one of the best internet service deals for mobile LTE or 5G internet, fiber, and DSL. Customers who sign up for Verizon’s Gigabit Connection plan receive a $200 gift card and an 8-piece or 4-piece SimpliSafe security bundle.

Reliable and fast internet is one of the basic requirements for every household. People of all ages rely on the internet for their daily personal and professional requirements. Cyber Monday sales are ideal for getting 5G internet services or a new home WiFi connection at a discounted price. Good data plans offer crucial perks, such as unlimited internet and high-speed connection. Based on past years’ sales, here are some noteworthy Cyber Monday internet services deals. Frontier This company has something for everyone. Some of the features offered in its Fiber plans are symmetrical downloads along with an upload speed of approximately 500 Mbps. The installation price is $45, along with perks like an AutoPay discount. For the upcoming sale season, Frontier is offering a $100 gift card to sweeten the deal. Google Fiber With a starting installation price of $100, this provider’s 2 Gig plan promises unlimited internet and other features like a download speed of around 2000 Mbps. For Cyber Monday, the provider could include equipment in the installation cost for new users. Verizon Verizon is could offer several deals on its Fios plans during the upcoming sale season, such as a gift card worth $200 and a $50 e-gift card for Xbox. You should check out their home WiFi plans, as Verizon Fios could waive the $90 installation fee this holiday season. You can also opt for Verizon 5G home internet as 5G internet is becoming extremely popular. Verizon could offer good deals on 5G services that include unlimited data and a free modem along with an additional 50% off for qualifying Verizon mobile users. Quantum Fiber This internet provider could waive the fee for the equipment during the sale season. Besides unlimited internet, Quantum Fiber offers a speed of approximately 940mbps for its plans. RCN This company is a leading internet service provider.

Choosing the correct internet service provider (ISP) can significantly impact a user’s browsing activities. There are over 2500 ISPs in the country, so it’s easy to make common mistakes that can result in poor service and dissatisfaction. Therefore, it is important to consider various aspects of ISPs to see which one meets one’s internet needs for both home and business. Avoid the common mistakes mentioned below for a smooth and reliable internet experience. Not researching internet providers Not all internet providers are suitable for one’s business or individual requirements. It is best to compare plans and prices, read customer reviews, and ask for recommendations that match one’s needs before signing up for any plans. Any unresolved online customer grievances can be a warning sign of a lack of customer support. One can also contact customer service to check for their operational hours and level of cooperation in providing details. Not understanding the bandwidth A common mistake most people make while choosing an internet provider is not evaluating one’s bandwidth needs. Connecting multiple devices, working on high-resolution files, or rendering may demand more bandwidth. However, if the internet needs are relatively low, one can save money by paying for an affordable package and then opting for a higher bandwidth later if required. Moreover, many small businesses underestimate their volume of work and opt for smaller plans, only to face internet issues later. Therefore, the best way to optimize internet usage is to check one’s monthly data usage and purchase a plan accordingly. Falling for free offers While discounts or freebies are a common practice to draw more customers, not all offers on ISP websites are reliable. It is best to avoid suspicious or too-good-to-be-true online offers from ISPs. One can opt for affordable plans with trusted ISPs rather than going for freebies.