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The latest news from Business Insider

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    Clemson-Alabama College Football Playoff Championship Game

    • Clemson and Alabama are facing off in the College Football Playoff again.
    • The game will take place at Levi's Stadium in Santa Clara.
    • We are tracking the biggest plays and moments.

    The final game of the college football season is here, and once again, it is Alabama and Clemson.

    The Crimson Tide and the Tigers are meeting in the College Football Playoff for the fourth-straight season and for the third time, they are playing for the championship.

    Below, we will be tracking all the big plays and the top moments that people will be talking about on Tuesday. The most recent updates are at the top.

    A second Tua interception eventually led to another Clemson touchdown and all of a sudden, the Tigers were up big, 28-16. Well, normally a 12-point lead would be big. But in this game, that could be gone by the time you get back from the bathroom.

     



    More points! The second quarter started with a field goal by Alabama and a touchdown run by Clemson. At this point, there have been six scoring plays, and 37 points in under 19 minutes.



    A wide-open Hale Hentges made it four touchdowns in under nine minutes. Bama did miss the extra point and at this point, the game was on pace to finish 70-65.



    See the rest of the story at Business Insider

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    carlos ghosn

    • Carlos Ghosn, the ousted Nissan chairman, who is facing multiple allegations of financial misconduct, spoke publicly for the first time since he was arrested in Japan on November 19.
    • "I have acted honorably, legally, and with the knowledge and approval of the appropriate executives inside the company," Ghosn said Tuesday inside a Tokyo courthouse according to The Wall Street Journal.
    • The longtime Nissan executive is accused of underreporting his income and transferring more than $16 million in personal investment losses to the automaker.
    • Ghosn's arrest reverberated throughout the automotive world. He is admired for helping save Nissan from bankruptcy in the late 1990s.

    Carlos Ghosn appeared in a Tokyo courtroom on Tuesday and spoke publicly for first time since he was arrested on multiple financial misconduct charges on November 19.

    The longtime Nissan executive is accused of underreporting his income and transferring more than $16 million in personal investment losses to the automaker.

    Arriving to court in a dark suit, white shirt, and handcuffs, Ghosn said, "I have acted honorably, legally, and with the knowledge and approval of the appropriate executives inside the company,"according to The Wall Street Journal.

    He made several more declarations, insisting he was "wrongly accused and unfairly detained." Speaking to the charge of underreporting his compensation at Nissan, Ghosn claimed that all of his income from his work for the Japanese automaker had been properly disclosed.

    Hours ahead of his appearance, photographers in Tokyo captured long lines of people vying to get inside the courtroom. A police bus believed to be carrying Ghosn was seen parked outside.

    carlos ghosn crowd

    Ghosn's arrest in November reverberated throughout the automotive world.

    He had been admired for helping save Nissan from bankruptcy in the late 1990s, which included a strategic partnership with the French automaker Renault in 1999. Mitsubishi joined the group in 2016, and two years later, the Renault-Nissan-Mitsubishi alliance under Ghosn's leadership became the world's largest automaker by sales.

    Both Nissan and Mitsubishi booted Ghosn after the financial misconduct allegations came down, but Renault has not. It named an acting CEO and chairman shortly after Ghosn's arrest, but it has not officially severed ties.

    Other Nissan executives affected

    Ghosn's mounting legal troubles have touched other executives in the Nissan ecosystem.

    Former Nissan executive Greg Kelly was arrested alongside Ghosn in November. Arun Bajaj, Nissan's head of human resources, has taken leave from the company, but is said to be cooperating with Japanese authorities, the Financial Times reported.

    And Nissan's chief performance officer Jose Munoz is also on leave to focus on "special tasks arising from recent events," a matter that Bloomberg reports is directly related to Ghosn.

    SEE ALSO: Former Nissan Chairman Carlos Ghosn jetted around the world on a series of $60 million Gulfstream private jets

    Join the conversation about this story »

    NOW WATCH: The legendary economist who predicted the housing crisis says the US will win the trade war


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    This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here. Current subscribers can read the report here.

    FORECAST Global Remittance VolumeRemittances, or cross-border peer-to-peer (P2P) money transfers, hit a record high of $613 billion globally in 2017, following a two-year decline.  And the remittance industry will continue to grow, driven largely by digital services.

    Several factors will fuel digital growth globally, such as increased smartphone penetration, greater demand for digital transactions, and an overall need for faster cross-border transfers. And with the shift to digital comes an audience of younger, digital-savvy customers using remittances — a segment that companies are looking to target.

    As a result, the global remittance industry is becoming increasingly competitive for firms to navigate, with incumbents like Western Union and MoneyGram competing for the same pool of customers as digital upstarts like WorldRemit and Remitly. And in order to win, companies across the board will need to prioritize the four areas consumers value most in remittances: cost, convenience, speed, and safety.  

    In The Digital Remittances Report, Business Insider Intelligence will identify what young, digitally savvy users value in remittances. We will also detail the concrete steps that legacy and digital providers can take to effectively capture this opportunity and monetize digital offerings — the primary growth driver — to emerge at or maintain their presence at the forefront of the space. 

    The companies mentioned in the report are: MoneyGram, Remitly, Ria, Western Union, WorldRemit, TransferWise, and Xoom, among others.

    Here are some key takeaways from the report:

    • The global remittance industry recovered from a two-year decline in 2017 to reach a record $613 billion in transfer volume. That growth will continue and will be fueled by digital remittances, which Business Insider Intelligence expects to grow at a 23% CAGR from $225 billion in 2018 to $387 billion in 2023.
    • There’s a new segment of customers that both legacy and digital firms are competing to grab share of. Young, digital-savvy consumers are the customer segment that all firms are vying to reach, which is creating a highly competitive dynamic. The needs of those consumers will precipitate transformational change in the industry.
    • We’ve identified several tangible steps firms can take to improve in four key areas — cost, convenience, speed, and security — to not only attract but also maintain this customer segment to align with their preferences and ultimately win in the space.

     In full, the report:

    • Outlines the global remittance landscape and sizes the opportunity that the industry presents. 
    • Identifies the new audience for remittances and future drivers of the remittance space going forward. 
    • Discusses four key areas that providers can focus on — cost, convenience, speed, and security — to improve offerings and ultimately capture that shifting audience. 

    To get this report, subscribe to a Premium pass to Business Insider Intelligence and gain immediate access to:

    This report and more than 275 other expertly researched reports
    Access to all future reports and daily newsletters
    Forecasts of new and emerging technologies in your industry
    And more!
    Learn More

    Or, purchase & download The Digital Remittances Report directly from our research store

    SEE ALSO: These were the biggest developments in the global fintech ecosystem over the last 12 months

    Join the conversation about this story »


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    bachelor villains

    After 21 seasons of "The Bachelor," 14 of "The Bachelorette," and the franchise's various spin-offs, it's safe to say that the show has produced a lot of romances — and a lot of villains. While some contestants show up on night one hoping to make a connection with ABC's leading man or lady, there's always at least one whose primary goal is to shake things up… and not in a good way.

    Some of these villains are victims of editing, but others definitely enjoy creating drama and stirring the pot, even if it means they get sent home early.

    Here are some of the biggest villains from the "Bachelor" franchise, ranked. It's safe to say they didn't join the show for the right reasons.

    16. Krystal Nielsen didn't go on "The Bachelor" to make friends

    On Arie Luyendyk Jr.'s season of "The Bachelor," Nielsen was all about snagging as much of his attention as possible, but unfortunately, it ended up blowing up in her face. After a bowling date gone wrong, Nielsen couldn't say enough negative things about Luyendyk and his contestants. Fortunately, she was able to redeem herself on "Bachelor in Paradise," where she got engaged to Chris Randone.



    15. Corinne Olympios tried to steal Nick Viall's heart

    On Nick Viall's season, Olympios was the contestant who fans loved to hate. Despite the fact that she was an adult, she couldn't stop talking about how she had a nanny, and she ruthlessly interrupted other women when they tried to get their time with Nick.



    14. Olivia Caridi practically became a meme

    Olivia Caridi entered Ben Higgins' season of "The Bachelor" swinging — from night one, she was willing to do whatever it took to catch Higgins' eye. After a few eye-roll-inducing comments, like when she tried to say she understood hardship because she'd been bullied for having cankles, it was clear that Caridi was meant to be the villain of the season.



    See the rest of the story at Business Insider

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    Clemson

    • The 2019 College Football Playoff championship got off to a wild start.
    • Alabama and Clemson combined for four touchdowns in their first eight minutes.
    • Early on, the game showed no signs of slowing down.

    The 2019 national championship between the Alabama Crimson Tide and Clemson Tigers didn't take long to start going absolutely bananas.

    After the Tigers received the opening kickoff, Alabama was able to hold them to a quick three-and-out, setting the stage for what potentially could have been a battle between two of the best defenses in the country.

    Instead, the scoring would start, and just keep rolling.

    Read more: The College Football Playoff Championship: We are tracking the top plays and big moments everybody will be talking about

    On just Bama's third offensive play, Alabama quarterback Tua Tagovailoa threw an interception to A.J. Terrell, who timed his jump on the ball perfectly and took it 44 yards to the house for the first touchdown of the game. 

    Alabama responded almost immediately.

    Unphased by his interception, Tagovailoa hit wide receiver Jerry Jeudy on a 62-yard bomb to answer for the Crimson Tide just three plays later.


    On Clemson's second offensive possession of the night, they made the most of it. Freshman quarterback Trevor Lawrence throwing two big passes to get the Tigers in scoring position, and running back Travis Etienne finishing the drive with a 17-yard scamper to the end zone to cap off another touchdown drive in just 90 seconds of game time.


    Not to be outdone, Alabama scored again, this time on a systematic 10-play drive that took four minutes — a quick drive by normal standards. It felt like something of a snail's pace given the chaos that came before it, and was capped off by another Tagovailoa touchdown throw.


    Alabama missed the extra point, leaving Clemson with a 14-13 lead with 50 minutes left to play.

    At that point, the game was on pace to finish 70-65.

    SEE ALSO: The College Football Playoff Championship: We are tracking the top plays and big moments everybody will be talking about

    Join the conversation about this story »

    NOW WATCH: Bernie Madoff was arrested 10 years ago today — here's what his life is like in prison


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    Pelosi and Schumer

    • House Speaker Nancy Pelosi and Senate Minority Leader Chuck Schumer released a joint statement on Monday night asking to be "immediately be given equal airtime," after networks indicated they will air President Donald Trump's scheduled Tuesday night Oval Office address.
    • "Now that the television networks have decided to air the President’s address, which if his past statements are any indication will be full of malice and misinformation, Democrats must immediately be given equal airtime," the statement reads.
    • Trump announced via Twitter that he will address the nation on Tuesday at 9:00 p.m. ET, saying he will discuss "the Humanitarian and National Security crisis on our Southern Border [sic]."
    • The Hill confirmed that "CBS, NBC, ABC, Fox News, Fox Business and CNN" will all air Trump's address live, after some initial uncertainty— and lively debate on Twitter. INSIDER contacted CBS, NBC News, CNN, ABC and Fox News to see if they would air a Democratic response, and we will update as necessary.

    House Speaker Nancy Pelosi and Senate Minority Leader Chuck Schumer released a joint statement on Monday night asking to be "immediately be given equal airtime," after networks indicated they will air President Donald Trump's Tuesday prime-time address.

    "Now that the television networks have decided to air the President’s address, which if his past statements are any indication will be full of malice and misinformation, Democrats must immediately be given equal airtime," the statement reads.

    Trump announced via Twitter that he will address the nation on Tuesday at 9:00 p.m. ET, saying he will discuss "the Humanitarian and National Security crisis on our Southern Border [sic]."

    The Hill confirmed that "CBS, NBC, ABC, Fox News, Fox Business and CNN" will all air Trump's address live, after some initial uncertainty— and lively debate on Twitter. INSIDER contacted CBS, NBC News, CNN, ABC and Fox News to see if they would air a Democratic response, and we will update as necessary.

    Trump is allegedly considering declaring a national emergency in order to fund border security. He will travel to the border on Thursday.

    Read more:The government shutdown is in its 17th day and there's no end in sight. Here's how Trump and Congress got into this mess.

    Trump's address will air on the 18th day of a partial government shutdown, which began over $5 billion in funding for the president's desired wall at the US-Mexico border. After initially signalling that he would sign a stopgap measure passed in the Senate to fund nine government agencies — that had not yet received appropriations — until February 8, Trump reneged on that decision.

    Trump then said he would not sign any appropriation bill if it did not have funding for a wall. Starting at midnight on December 21, part of the government no longer had funding, which is impacting 800,000 federal workers — 420,000 of which are considered "essential" and must work without pay.

    It also affects those who are not federal government employees— potentially disrupting the Supplemental Nutritional Assistance Program (food stamps), causing issues with airport security, impacting the IRS, and other federal agencies.

    SEE ALSO: Here's what happens to Social Security and disability benefits during a government shutdown

    Join the conversation about this story »

    NOW WATCH: Anthony Scaramucci claims Trump isn't a nationalist: 'He likes saying that because it irks these intellectual elitists'


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    global fintech funding

    Digital disruption is affecting every aspect of the fintech industry.

    Over the past five years, fintech has established itself as a fundamental part of the global financial services ecosystem.

    Fintech startups have raised, and continue to raise, billions of dollars annually, pushing incumbent financial institutions to get in on the action. Legacy players have begun using fintech to remain competitive in a rapidly evolving financial services landscape.

    So what's next?

    Business Insider Intelligence, Business Insider's premium research service, explores recent innovations in the fintech space as well as what might be coming in the future in our brand new exclusive slide deck, The Future of Fintech: How Fintech Is Taking Over The World and What Comes Next.

    To get your copy of this free slide deck, click here.

    Join the conversation about this story »


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    Imagine Dragons

    • Alabama and Clemson played a thrilling first half of football in the College Football Playoff championship.
    • At halftime, Imagine Dragons performed, and was quickly roasted by viewers as they waited to get back to the game.

    The first half of the College Football Playoff championship between the Alabama Crimson Tide and Clemson Tigers was a highly entertaining affair.

    The game started with a bang, with an opening eight minutes that featured four touchdowns and some thrilling big plays by both teams as they battled to move to 15-0 on the season and claim the title of best team in all of college football.

    Read more: The College Football Playoff championship went bonkers right from the start with 4 touchdowns in the first 8 minutes

    When the dust settled on the first half, Clemson held a surprising 31-16 lead, with Alabama set to receive the second half kickoff in need of something special to turn the game around.

    But before the second half began, the halftime show featured the band Imagine Dragons playing their song "Natural," which ESPN had used in their college football promos throughout the 2018 season.

    The band was quickly roasted to a crisp by Twitter users unimpressed with the performance.

    Admittedly, Imagine Dragons was in a tough spot. The band has become somewhat ubiquitous in the world of sports presentation, their sound inescapable for fans following a full Saturday's worth of college football action.

    Further, the halftime shows are little more than extended advertising spots for brands — after the performance, Rece Davis threw the broadcast to a behind-the-scenes look at the upcoming "Captain Marvel" film. It's not exactly a fertile ground for an inspired artistic performance or fan experience.

    Still, it's pretty clear that this is not what viewers are looking for in a halftime show, and becomes even more frustrating when you realize that while Imagine Dragons was on stage, a perfectly capable marching band performance was taking place on the field.

    Maybe next year.

    The College Football Playoff championship went bonkers right from the start with 4 touchdowns in the first 8 minutes

    A scheduling decision could be why ticket prices for the College Football Playoff championship game are plummeting

    Clemson receiver who broke out during the playoff semifinal almost quit football in high school

    SEE ALSO: The College Football Playoff Championship: We are tracking the top plays and big moments everybody will be talking about

    Join the conversation about this story »

    NOW WATCH: 6 airline industry secrets that will help you fly like a pro this holiday season


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    alabama_fake

    • Alabama opened the second half of the college football championship with a baffling fake field goal attempt.
    • On 4th-and-6, trailing 31-16, Crimson Tide third-string quarterback Mac Jones took the snap, then tried to run the ball, hitting a wall of Clemson defenders for a loss of two.
    • Three plays later, Clemson wide receiver Justyn Ross caught a pass and took it for a 74-yard touchdown to extend Clemson's lead.

    After an exciting first half of the college football championship, Alabama found itself with the ball to open the second half, trailing Clemson 31-16.

    After their drive stalled out inside Clemson's 25, on 4th-and-6, Alabama opted to bring their field goal unit onto the field to get three points.

    Instead, the Crimson Tide tried a fake field goal attempt that featured third-string quarterback Mac Jones receiving the snap, picking up the ball, and then basically running into a wall of Clemson defenders for a loss of two yards.

    A baffling decision by Nick Saban and co.

    Even ABC's broadcasters were confused by the call, saying they thought Jones would have thrown the ball rather than run it, knowing he had long way to go for the first down.

    Perhaps something in the play broke down that we're unaware of. But Alabama's lack of points on the possession came back to hurt them. After turning it over on downs, Clemson wide receiver Justyn Ross caught a pass and ran it in for a 74-yard touchdown to push the lead to 37-16.

    Join the conversation about this story »

    NOW WATCH: The reason some men can't grow full beards, according to a dermatologist


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    Global VR Headset

    This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here.

    The virtual reality (VR) market is expected to rally in 2018 after seeing slow growth from 2016 to 2017. The uptick will be largely catalyzed by the emergence of the newest headset form factor, stand-alone VR headsets, which address some of the biggest pain points that have prohibited mainstream consumers from adopting VR.

    This new form factor is more affordable than cost-prohibitive high-end headsets and more capable than its smartphone-powered counterparts. Additionally, it features in-unit processing that frees the VR headset from wires. The first major stand-alone headset, the Vive Focus from HTC, was launched in January of this year, and more from other major companies like Oculus and Google are expected to follow over the next six months. 

    In a new report, Business Insider Intelligence lays out where the VR market is and forecasts how it will grow over the next five years. We dissect the various hardware categories and the unique strengths and opportunities of each, and identify how they will gain traction at different points of the market’s evolution. Finally, we examine various components impacting consumer adoption.

    Here are some of the key takeaways:

    • Business Insider Intelligence forecasts shipments of all VR headsets to grow 69% year-over-year (YoY) to reach 13.5 million in 2018. Powering that growth is the stand-alone VR headset category, which is expected to account for 30% of total headsets shipped in the year ahead. 
    • The VR hardware market is volatile because getting a device right is a balancing act. On one hand, the price point needs to be affordable for most consumers, and on the other, the experience has to be distinctive and immersive enough to convince a consumer to strap a visor to their face on a regular basis. 
    • While only a handful of stand-alone VR headsets will hit the market in 2018, they mark the biggest step toward mainstream adoption of consumer-oriented VR headsets by making the technology more accessible for the average consumer. 
    • Declining price points, coupled with high-quality headsets and the introduction of a game-changing app, are crucial for the VR industry to achieve before VR can really gain traction on a global scale.

    In full, the report:

    • Forecasts the growth projections and shipment expectations of the global VR headset market, and breaks it up by the major headset categories.
    • Explores the four major segments in the current VR hardware market, defined by the hardware needed to power the experience — stand-alone, smartphone-powered, PC-powered, and game console-powered VR.
    • Identifies the key players shaping the burgeoning stand-alone VR headset segment.
    • Discusses the biggest challenges to VR development and adoption.

    Subscribe to an All-Access pass to Business Insider Intelligence and gain immediate access to:

    This report and more than 250 other expertly researched reports
    Access to all future reports and daily newsletters
    Forecasts of new and emerging technologies in your industry
    And more!
    Learn More

    Purchase & download the full report from our research store

    Join the conversation about this story »


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    Justyn Ross

    • Clemson's offense absolutely rolled the Alabama Crimson Tide in the College Football Playoff championship game.
    • The Tigers' big win came thanks in large part to a stellar performance from wide receiver Justyn Ross.
    • Ross had two wild catches on a single scoring drive that exemplified the unreal night Clemson had.

    The Clemson Tigers offensive dominance in the College Football Playoff championship game was thanks in no small part to a stellar performance from wide receiver Justyn Ross.

    With the Tigers already holding a comfortable 37-16 lead in the second half, one might think they'd take the foot off the gas a bit, but instead, Ross and his Clemson teammates remained at full throttle.

    In the third, Clemson faced a long third down, when freshman quarterback Trevor Lawrence threw a ball wide to Ross on the sideline.

    The pass looked uncatchable, but Ross made an amazing one-handed play on the ball to bring it in and move the chains for the Tigers.

    The video itself is quite impressive, but Ross' ridiculous catch might be even better appreciated through still shots:

    It was his second circus catch of the drive.

    The Tigers would go on to win the game 44-16, taking home their second title in three years.

    SEE ALSO: The College Football Playoff Championship: We are tracking the top plays and big moments everybody will be talking about

    Join the conversation about this story »

    NOW WATCH: The reason some men can't grow full beards, according to a dermatologist


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    This is a preview of a research report from Business Insider Intelligence. Current subscribers can read the report here.

    tv usage decline

    As streaming becomes an increasingly mainstream behavior among consumers, the video industry has produced new combinations of streaming video programming services to prepare for the progressive overhaul in how media is distributed.

    These streaming bundles have emerged in response to the problems of media fragmentation, cord-cutting, and high consumer costs. Declining usage of traditional TV across every demographic, particularly among young viewers, has also demanded new solutions to the traditional distribution model that is pay-TV.

    Although streaming media bundles are still evolving, four distinct models have emerged:

    • Skinny bundles — Cheaper, streaming versions of the traditional pay-TV bundle, but with fewer channels.
    • SVOD aggregators — Facilitate a la carte sign-ups to third-party streaming services through a central user portal. The primary example so far is Amazon Channels, Amazon's SVOD partner program. 
    • SVOD integrations — SVOD services like Netflix that bring their offerings to a traditional operator's service.
    • Streaming service partnerships — Combine one or more streaming services under a single offering, at a lower cost than the total price separately.

    In the SVOD Bundling Report, Business Insider Intelligence examines the state of the US video ecosystem and how media companies are refining their distribution strategies to meet the changing needs of consumers. The report situates each of the four bundle model types within the overall SVOD market, and investigates the overarching advantages and challenges each faces. Finally, we predict how player dynamics might transform and adapt, outlining best practices for providers to succeed within the new TV landscape.

    Here are some of the key takeaways from the report:

    • SVOD bundles partake in a growing SVOD market in the US. Business Insider Intelligence estimates that the SVOD market totals $13.6 billion in 2018, primarily driven by uptake on services from SVOD giants Netflix, Hulu, and Amazon Prime Video. 
    • Streaming video accessed on over-the-top (OTT) platforms is going mainstream, while consumers — particularly younger viewers — are reducing usage on live, linear TV. Traditional TV usage among viewers ages 18-24 has dropped 48% since 2011, 35% among 25-34 year olds, and 18% in the 35-49 demographic. 
    • Skinny bundle services are growing in popularity, with 7.2 million subscribers in the US, but they suffer fundamental financial sustainability problems. 
    • Distributors with at-scale platforms and powerful back-end tech can capitalize on the growing consumer demand for content consolidation among consumers. Faced with a fragmented and expanding universe of content options, more than two-thirds of consumers say they would prefer to get all their services from a single source, per Hub Entertainment Research. 
    • Winners in the bundling shakeout will have prioritized internet-connected tech, an effective user experience, reasonable pricing, and content diversity. 

    In full, the report:

    • Identifies the four SVOD model types that have emerged as alternatives or supplements to traditional distribution.
    • Investigates the top advantages and challenges of each model type.
    • Outlines strategies that players across media and distribution companies can use to address business or market challenges.
    • Explores how the dynamics of each model type will evolve as services converge under new bundled offerings.

     

    Join the conversation about this story »


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    Trump wall

    Hello! Here's everything you need to know on Tuesday, January 8.

    1. Are you starting to feel the effects of the shutdown? Settle in, because they are going to get exponentially worse as the fight drags on.

    2. North Korea's Kim Jong Un is getting some facetime in China.A visit most likely spurred on by reports of an impending repeat summit with US President Donald Trump.

    3. "I have been wrongly accused and unfairly detained":Once high-flying Nissan exec Carlos Ghosn has made a defiant first public appearance since facing financial misconduct allegations in a Tokyo court

    4. Former US President Jimmy Carter handed Donald Trump a long-awaited truth bomb.Carter slapped down Trump's claim that past presidents privately told him they were all for a border wall

    5. Apple is not the only giant in the tech bowl to feel the fallout from China's economic hassles.Korean powerhouse Samsung says weak China demand sent Q4 profit falling by about one-third.

    6. "That's not true":Amazon's Alexa just took down a Qualcomm representative in the middle of a demo at CES.

    7. A Swiss philanthropist has donated $1 billion to save the Earth from environmental destruction. Here's where all the money is going.

    8. "Fiji Water Girl" made a splash before going viral at the Golden Globes. And it was no fluke, but part of a cunning marketing plan 10 years in the making.

    9. A hero at the center of one of the hottest video games around was just revealed to be gay. Naturally, the internet freaked out, but mostly in a good way.

    10. Scientists have discovered a new planet.This one is twice as big as Earth, and there is conjecture that there is liquid water on its surface.

    And finally ...

    It doesn't matter what they're made of, says Pamela Kyle Crossley,walls are just no good.

    Join the conversation about this story »

    NOW WATCH: NASA sent an $850 million hammer to Mars and it could uncover clues to an outstanding mystery in our solar system


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    nick saban dabo swinney

    • Clemson beat Alabama, 44-16, in the college football championship.
    • The game was their third championship meeting in four years, with Alabama winning the first and Clemson winning the second.
    • After the game, odds-makers put Alabama first and Clemson second to win the 2020 championship, meaning we could get a rematch next year.

    Clemson demolished Alabama, 44-16, on Monday in the college football championship.

    It was the third championship meeting in four years between the two teams — last season they met in the semifinal. Alabama won the first game in 2015, but Clemson took the second game in 2016.

    Read more: WHERE ARE THEY NOW? The stars of the first national championship game between Alabama and Clemson

    Lest anyone get tired of the Crimson Tide and Tigers meeting in the final, the two teams were the immediate favorites to win the championship next season.

    The two teams have been identical over the last four seasons.

    Will we get a rematch in 2020?

    Join the conversation about this story »

    NOW WATCH: A Harvard psychologist reveals the secret to curbing your appetite


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    donald trump

    • President Donald Trump is irritated that his demand for a wall along the US-Mexico border is not being adequately defended on television by White House aides, according to Politico.
    • Despite White House aides showing Trump video footage of surrogates making media appearances in defense of his policies, the president has brooded over the purported lack of appearances.
    • Trump's upcoming address follows a string of other freewheeling media appearances in recent days.

    As the partial government shutdown nears its 18th day, President Donald Trump is reportedly irritated that his demand for a wall along the US-Mexico border is not being adequately defended on television by White House aides, according to a Monday Politico report.

    Three people familiar with the situation told Politico that Trump believes that too few administration officials were making media appearances after his policies, including his decision to pull US ground forces out of Syria, sparked outcry from critics.

    Trump also reportedly complained that his surrogates were not defending his demand for Congress to fund his border wall, which has opposition in Congress. The president remained adamant he would not sign any short-term funding bill that did not include funding for his wall — despite a bipartisan group of House members passing two bills last week that would extend funding and buy Congress more time.

    House Democrats, who took control of the majority in January, in turn stood their ground and rejected any plans for a border wall, but have signaled the legislative body is willing to fund other border security projects.

    "We're not doing a wall," Democratic Rep. Nancy Pelosi said Thursday, January 3. "Does anybody have any doubt? We are not doing a wall."

    trump nancy pelosi

    Despite White House aides showing Trump video footage of surrogates making media appearances in defense of his policies, the president has brooded over the purported lack of showings from his current staff, Politico reported. Trump has reportedly urged former staffers like campaign manager Corey Lewandowski and deputy campaign manager David Bossie, both regulars on Fox News, to continue making appearances.

    Trump is expected to discuss a "National Security crisis on our Southern Border [sic]" during his primetime address 9:00 p.m. ET on Tuesday evening. The televised speech, which numerous cable-news networks agreed to air, prompted Democrats to call for "equal airtime" to counter Trump's "malice and misinformation."

    Trump's upcoming address follows a string of other freewheeling media appearances in recent days, including the wide-ranging cabinet meeting that included an altered "Game of Thrones" poster; and his surprise, first appearance at the White House press briefing room.

    Last Thursday, Trump claimed he had strong support for the wall. 

    "I have never had so much support as I have in the last week over my stance for border security, for border control, and for frankly, the wall or the barrier," Trump said to reporters in the White House's press briefing room. "I have never had anything like it in terms of calls coming in, in terms of people writing in, and tweeting and doing whatever they have to do."

    SEE ALSO: Trump reportedly said 'f--k' several times during a meeting with Nancy Pelosi, and later apologized

    Join the conversation about this story »

    NOW WATCH: Anthony Scaramucci claims Trump isn't a nationalist: 'He likes saying that because it irks these intellectual elitists'


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    maturity of AI solutions

    This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here

    Artificial intelligence (AI) is one of the most commonly referenced terms by financial institutions (FIs) and payments firms when describing their vision for the future of financial services. 

    AI can be applied in almost every area of financial services, but the combination of its potential and complexity has made AI a buzzword, and led to its inclusion in many descriptions of new software, solutions, and systems.

    This report from Business Insider Intelligence, Business Insider's premium research service, cuts through the hype to offer an overview of different types of AI, and where they have potential applications within banking and payments. It also emphasizes which applications are most mature, provides recommendations of how FIs should approach using the technology, and offers examples of where FIs and payments firms are already leveraging AI. The report draws on executive interviews Business Insider Intelligence conducted with leading financial services providers, such as Bank of America, Capital One, and Mastercard, as well as top AI vendors like Feedzai, Expert System, and Kasisto.

    Here are some of the key takeaways:

    • AI, or technologies that simulate human intelligence, is a trending topic in banking and payments circles. It comes in many different forms, and is lauded by many CEOs, CTOs, and strategy teams as their saving grace in a rapidly changing financial ecosystem.
    • Banks are using AI on the front end to secure customer identities, mimic bank employees, deepen digital interactions, and engage customers across channels.
    • Banks are also using AI on the back end to aid employees, automate processes, and preempt problems.
    • In payments, AI is being used in fraud prevention and detection, anti-money laundering (AML), and to grow conversational payments volume.

     In full, the report:

    • Offers an overview of different types of AI and their applications in payments and banking. 
    • Highlights which of these applications are most mature.
    • Offers examples where FIs and payments firms are already using the technology. 
    • Provides descriptions of vendors of different AI-based solutions that FIs may want to consider using.
    • Gives recommendations of how FIs and payments firms should approach using the technology.

    Subscribe to an All-Access membership to Business Insider Intelligence and gain immediate access to:

    This report and more than 250 other expertly researched reports
    Access to all future reports and daily newsletters
    Forecasts of new and emerging technologies in your industry
    And more!
    Learn More

    Purchase & download the full report from our research store

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    north korea train

    • North Korean leader Kim Jong Un arrived in China with his wife, Ri Sol Ju, and other senior officials for a four-day trip.
    • North Korean propaganda outlets claimed Kim had been invited to the country by Chinese President Xi Jinping.
    • The trip comes amid rumors of a second summit with US President Donald Trump, which may be held as early as this year.

    North Korean leader Kim Jong Un arrived in China with his wife, Ri Sol Ju, and other senior officials for a four-day trip, according to Chinese and North Korean media reports on Tuesday.

    Kim, who reportedly traveled to China on his armored train, arrived during what is believed to be his 36th birthday, according to the Associated Press. North Korean propaganda outlets claimed Kim had been invited to the country by Chinese President Xi Jinping.

    The trip comes amid rumors of a second summit with US President Donald Trump, which may be held as early as this year. Representatives from the two countries reportedly held discussions in Vietnam to discuss the venue for the second summit.

    "It will be announced probably in the not-too-distant future," Trump said of the summit and North Korea to reporters on Sunday. "They do want to meet and we want to meet and we'll see what happens."

    The proposed summit comes after Trump met Kim in Singapore in June, the first such meeting between a sitting US president and North Korean leader, where the two signed an agreement outlining broad goals for denuclearization.

    Watch video footage of Kim Jong Un's motorcade here »

    SEE ALSO: Retired US admiral slams Trump's views of the military in a stunning opinion column: Trump thinks his military generals are 'Rambos'

    Join the conversation about this story »

    NOW WATCH: The legendary economist who predicted the housing crisis says the US will win the trade war


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    The transportation and logistics industry is undergoing a massive shift as a result of surging deliveries. Daily parcel volumes are higher than ever before — but so are customers’ expectations for cheap and fast fulfillment. 

    UPS Leads the Pack with the Best Tracking Features

    To keep up with mounting demand, retailers and their logistics partners have been racing to develop more efficient processes with experimental supply chain models like crowdsourced delivery — the Uber model in which customers use mobile apps to connect directly with local couriers for on-demand or same-day fulfillment.

    And it’s not just startups like Deliv and Postmates getting in on the action. This year Amazon not only launched its own shipping service to deliver packages for other businesses (“Shipping with Amazon”) but also announced its “Delivery Service Partner” program, which provides capital incentives for people to launch their own delivery companies fulfilling orders on behalf of Amazon itself.

    With emerging delivery models like these aggressively stealing away customers, the pressure is on for legacy players like FedEx, UPS, the USPS, and the thousands of businesses who depend on them every day, to respond. But it will take more than just material resources or a large fleet of vehicles to truly compete. These companies need to earn the trust of consumers.

    Business Insider Intelligence, Business Insider’s premium research service, has obtained exclusive survey data to paint the 2018 delivery landscape and the trends of its major players. The findings comprise the team’s latest Enterprise Edge Report, The 2018 Delivery Trust Report, and give transportation, supply chain, and logistics companies the tools they’ll need to win back customers.

    Enterprise Edge Reports are the very best research Business Insider Intelligence has to offer in terms of actionable recommendations and proprietary data, and they are only available to Enterprise clients.

    In full, the study:

    • Uses proprietary consumer survey data to evaluate how the largest delivery companies in the US stack up on customer service, package tracking, package protection, and timeliness of delivery.
    • Assesses how at risk these providers are to new challengers entering the space.
    • Shares strategies on how delivery companies can achieve feature parity and, ideally, differentiation, in customer experience.

    So, which delivery features do consumers care about?

    First and foremost, speed. It makes sense that consumers value fast delivery, but did you know just how many of them prioritize this feature? According to a recent survey from Dropoff, it’s 99%. And with millions of packages delivered nationwide every single day, that’s a lot customers with high expectations.

    But customers don’t just want their packages delivered quickly; they want to follow the journey from store to doorstep. Another one of the most important offerings delivery companies boast is real-time tracking, with nearly 90% of consumers noting it in the Dropoff survey.

    Amazon package

    If they can get it right, tracking is a twofold advantage for delivery companies; it entices consumers who want to know when their packages are coming, and it appeals to merchant partners who might be willing to switch delivery service providers for the added visibility and customer benefit.

    And the field is still wide open for companies to differentiate on this feature. Among those who had a package delivered from UPS, FedEx, USPS, or DHL in the last year, nearly 30% of Business Insider Intelligence survey respondents couldn't actually say which company offered the best tracking features. Whether it means using mobile apps, SMS texting, or chatbots to communicate with customers, there’s plenty of opportunity for logistics companies to hone and become known for this feature.

    Want to learn more?

    This is just a snapshot of the Business Insider Intelligence 2018 Delivery Trust Report, which compiles the complete survey findings to dive deeper into the opportunities delivery companies have to engage and delight customers.

    The multi-part report also presents actionable insights that transportation and logistics companies can use to fight back against Amazon’s continuous push into deliveries.

     

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    Cyntoia Brown

    • Cyntoia Brown killed a man who hired her as a sex worker when she was 16. She says it was in self-defense.
    • As a minor, she was sentenced to life in prison
    • After serving 15 years, she was granted clemency Monday following a social-media campaign.

    Cyntoia Brown, a woman who received a life sentence after killing a man who picked her up her for sex while she was being sex-trafficked at 16 year old, has been granted clemency after a star-studded effort to gain her release from prison.

    Tennessee Gov. Bill Haslam granted a full commutation to Brown on Monday, making her eligible for release on August 7, at which point she will face a 10-year period of parole.

    The act instantly cut out the 39 years, the time left before she could petition parole, between Brown and her potential freedom. But the moment of catharsis was a long time coming.

    This is the story of how Brown found herself behind bars and eventually gained her freedom.

    Brown was born afflicted with Fetal Alcohol Syndrome on January 29, 1988, to a home facing drug and alcohol abuse and mental illness. She was eventually given up for adoption.

    In court, Brown's biological mother along with a psychologist testified that Brown was born with Fetal Alcohol Syndrome, a condition caused by alcohol exposure in the womb. The condition can cause brain damage among other complications, though Brown was said to have a high IQ.

    She was born into a household afflicted with mental illness and drug and alcohol abuse.

    "Bipolar, personality disorder, suicidal, manic depressive," said Brown's biological Georgina Mitchell in court footage from a 2011 documentary, listing conditions she's been diagnosed with. Mitchell said in court that she drank up to a fifth of whiskey a day while pregnant with Brown. She also would admit to using crack cocaine.

    Eventually, Cyntoia was given up for adoption.



    Brown eventually ran away from her adopted home in 2004, when she was 16. She was forced into prostitution by an abusive 24-year-old named Garion McGlothen who went by the alias "Cut Throat." The two consumed drugs and alcohol together.

    According to court documents, after running away from home following alleged abuse from her stepfather, Brown stayed with various friends using drugs and alcohol, before meeting 24-year-old Garion McGlothen, who went by the alias, "Cut Throat."

    Brows says that he abused and sexually assaulted her, eventually forcing her into prostitution.



    On August 7, 2004, Brown killed a man who hired her for sex. She said she shot him because she thought he was reaching for a gun.

    Brown shot and killed 43-year-old real-estate agent Johnny Allen after he picked her up on the way to Sonic. Brown says the pair agreed that he would pay her $150 for sex.

    Brown claims that throughout their encounter at Allen's home, he repeatedly brought up guns that he allegedly owned, stating that he was formerly in the military and was a "sharpshooter." She called the victim "weird" in court documents, and says she would have run were it not for a gun cabinet in the room.

    At one point, she claims Allen grabbed her “really hard" before rolling over to "maybe to reach for something" like a gun.

    She grabbed her own gun, which McGlothen had been given to her, and shot Allen, she said.

    After shooting Allen, Brown took some of his guns and his wallet, allegedly because she feared returning to McGlothen emptyhanded. She drove Allen's car to a Walmart parking lot.



    See the rest of the story at Business Insider

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    sleeping beauty castle disneyland park

    Good morning! This is the tech news you need to know this Tuesday.

    1. The world's largest tech show CES has kicked off, and LG stole the show with a "rollable" TV that disappears into a box at the push of a button. When not being used, the skinny TV rolls down into a box that also doubles as a soundbar.
    2. Apple trolled Google with a massive billboard at CES, which it isn't even attending. The ad was positioned near Las Vegas' monorail system, whose shuttles are emblazoned with Google ads.
    3. SoftBank has slashed a planned $16 billion mega-investment in WeWork after facing objections and will now invest $2 billion. SoftBank's initial plan, reported in October, would have given it a majority stake in WeWork. But the size of the deal reportedly upset some of its biggest financial backers in Saudi Arabia and Abu Dhabi.
    4. Amazon is now the world's most valuable company, ending Microsoft's spot at the top after five weeks. The Seattle-based online retail giant capped a strong holiday sales period with a 3% pop in its stock price, bringing its market capitalization to $793 billion and edging past Microsoft's roughly $788 billion valuation.
    5. Weak Q4 sales in China for Samsung have deflated the company's hopes for the beginning of 2019. Samsung expects Q1 to be pretty subdued, Bloomberg reports.
    6. A new robot called "BreadBot" is able to bake a fresh loaf of bread every six minutes. The company behind the BreadBot, Wilkinson Baking Company, debuted the device on Sunday at this year's Consumer Electronics Show in Las Vegas.
    7. Mastercard is dropping its name from its logo as it prepares for paying with a card to go out of fashion. The logo will now appear as just the two intersecting circles of red, yellow, and orange in the middle.
    8. What were thought to be mysterious "sonic attacks" on US diplomats in Cuba may just have been loud Caribbean crickets. Diplomats from the US and Canada in Cuba complained of bizarre symptoms in 2016 and some said the condition started after they heard a strange noise, prompting speculation about potential "sonic weapons."
    9. Amazon will soon let customers get packages delivered in their garage. Amazon's "Key" service will allow customers to have a package delivered inside their garage if they have the relevant tech installed.
    10. Google is running a Disneyland-style ride from its massive CES booth. Google's 18,000 square foot booth at CES 2019 will include a ride similar to Disney's "It's a Small World," according to reports.

    Have an Amazon Alexa device? Now you can hear 10 Things in Tech each morning. Just search for "Business Insider" in your Alexa's flash briefing settings.

    Join the conversation about this story »

    NOW WATCH: NASA sent an $850 million hammer to Mars and it could uncover clues to an outstanding mystery in our solar system


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