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Digital wallet company <keyword id="6357120" type="UNKNOWN" weightage="20" keywordseo="PayTM">Paytm</keyword> identified 48 fraudulent customers . Paytm was cheated to the tune of over Rs 6.15 lakh. The CBI has registered a case. 
 
This case raised doubts on security system on the digital wallet. In its complaint, Paytm elucidated 26 cases where a refund was claimed and processed after the delivery of goods was successfully made. 
 
“The technical analysis of the e-commerce service provider states that this cannot happen without involvement and knowledge of its employees,” the FIR said. 
 
"In the physical goods marketplace business, it was identified that certain fraudulent users were trying to unlawfully game the system. We have identified each of these cases and initiated legal proceedings," a Paytm spokesperson told Business Insider. 
 
Paytm said it regularly monitors its marketplace business to identify any fraudulent or suspicious behavior. "This is a part of the company’s security practices to ensure that genuine users are able to continuously avail the benefits brought by the Paytm marketplace," stated Paytm. 
 Paytm is garnering headlines, especially after demonetisation, and has made the most of cash ban since November 08. Paytm’s <keyword id="198636" type="PERSON" weightage="20" keywordseo="Vijay-Shekhar-Sharma">Vijay Shekhar Sharma</keyword> promoted its digital wallet to enable people to deal sudden cash crunch. 
 
Paytm saw a 700% hike in its customer traffic. It hired 9,000 staff to move on with their payments bank and help achieve cashless India goals.

Paytm identifies 48 fraudulent users who cheated it for over Rs 6.15 lakh; legal case initiated

<ul class="summary-list"><li>The American Restroom Association has called on Starbucks to keep its restrooms open to all.</li><li>In June, CEO Howard Schultz threatened to close its bathrooms to non-paying customers.</li></ul>The American Restroom Association has called on Starbucks to keep its bathrooms open to everyone, <a href="https://www.theguardian.com/business/2022/nov/18/starbucks-under-pressure-restrooms-open-public">The Guardian reported</a>. The group is campaigning to "let the people go!'' to mark World Toilet Day after Starbucks CEO Howard Schultz threatened to bar non-paying customers from its facilities. Schultz told <a href="https://www.nytimes.com/2022/06/09/business/dealbook/howard-schultz-starbucks-bathroom.html">The New York Times</a> in June that Starbucks was <a href="https://www.businessinsider.com/starbucks-open-bathroom-policy-ceo-rethink-safety-mental-health-2022-6">rethinking its public bathroom policy</a>, introduced in 2018, as "an issue of just safety. We have to harden our stores and provide safety for our people," he said.A Starbucks spokesperson told Insider that the coffee chain's bathroom policy hasn't changed since Schultz's comments, although the American Restroom Association said that some stores were restricting their bathrooms to paying customers.The Starbucks spokesperson said: "No changes to our bathroom policy have been made. Our local leaders continue to have a number of options at their disposal to support our Third Place Policy, which includes the ability to modify store operations and restroom access, following local jurisdiction laws where applicable."Starbucks' open-door bathroom policy was launched in 2018 after two <a href="https://www.businessinsider.com/starbucks-arrest-builds-on-exclusion-problem-2018-4">Black men were arrested</a> at a Starbucks in Philadelphia. The two men, who hadn't bought anything, refused to leave the outlet after they were denied access to the bathroom.Kevin Johnson, CEO of Starbucks at the time, apologized and closed all Starbucks stores in the US for a entire day so staff could attend anti-bias training. The two men <a href="https://www.businessinsider.com/ap-black-men-arrested-at-starbucks-settle-for-200k-program-2018-5">settled with Starbucks for an undisclosed sum</a>, as well as an offer of free college education. In May 2018, Starbucks announced that it would <a href="https://www.businessinsider.com/starbucks-bathrooms-open-to-everyone-2018-5">allow everyone</a> — including people who hadn't purchased anything — to use its bathrooms "100% of the time."Per their <a href="https://americanrestroom.org/">website</a>, the American Restroom Association's goal is to ensure that "our public restrooms are no longer a laughingstock among the developed world."Speaking to the <a href="https://www.theguardian.com/business/2022/nov/18/starbucks-under-pressure-restrooms-open-public">Guardian</a> about the importance of Starbucks' open-door restroom policy, the association's president Steve Soifer said: "The problem is there aren't any other choices. Try to find city-built public toilets in New York City, they're virtually non-existent."Starbucks and the American Restroom Association did not immediately respond to requests for comment from Insider. <a href="https://www.worldtoiletday.info/">World Toilet Day</a> has been held annually on November 19 since 2013, when it was launched by the United Nations in a bid to inspire action to counter the global sanitation crisis. According to <a href="https://www.worldtoiletday.info/">the UN</a>, 3.6 billion people live with poor-quality toilets, which damage health and pollute the environment.

Starbucks is urged to keep its bathrooms open to everyone, not just paying customers

<div class="image-container float_right" style="width:480px"><div class="image"><a href="http://www.flickr.com/photos/powerbooktrance/473672553/">Flickr/Terry Johnston</a></div></div><keyword id="6377922" type="CITY" weightage="60" keywordseo="Starbucks">Starbucks</keyword> is expanding its Reserve line to 500 stores. 
The upscale line is described as "rare and exotic small batch single-origin," <a href="http://www.huffingtonpost.com/2013/08/13/starbucks-reserve_n_3750759.html">reports Rachel Tepper at The Huffington Post</a>. Starbucks already offers the <keyword id="6354798" type="ORGANIZATION" weightage="60" keywordseo="coffee">coffee</keyword> in about 500 stores. 
Tepper writes that Starbucks is trying to capitalize on the trend of upscale coffee. There are more than 40 Reserve varieties offered at various stores. 
But the upscale coffee experience comes at a price. 
The average Reserve brewed cup costs $2.65, compared with $1.85 for regular, <a href="http://www.huffingtonpost.com/2013/08/13/starbucks-reserve_n_3750759.html">Tepper writes</a>.
One strain of coffee, the <a href="http://www.businessinsider.com/starbucks-most-expensive-coffee-is-7-2012-11">Costa Rica Finca Palmilera</a>, costs $7 per cup.

Starbucks Wants Customers To Pay More For Coffee

Desktops and even laptops are slowly becoming less relevant. Now we work on-the-go, and mobile phones and <keyword id="6361927" type="UNKNOWN" weightage="60" keywordseo="Tablets">tablets</keyword> are replacing our computers. The numbers don't lie — <a href="http://www.gartner.com/id=2050315">Gartner predicts</a> that worldwide mobile connections will grow to 7.6 billion in 2016. <a href="http://www.gartner.com/newsroom/id/2306215">By 2013</a> mobile <keyword id="35666" type="COMPANY" weightage="60" keywordseo="advertising">advertising</keyword> revenue will reach $11.4 billion, up from $9.6 billion in 2012. By 2016 that number will more than double to $24.5 billion.
<a href="http://www.gartner.com/newsroom/id/2306215">The chart below</a> shows how these numbers are increasing rapidly worldwide:
<table class="image-container" width="200"><tr><td><div class="image"></div><a href="http://www.gartner.com/newsroom/id/2306215">Gartner Inc. (November 2012)</a></td></tr></table>
<a href="http://www.businessinsider.com/heres-a-look-at-facebooks-300-million-empire-of-mobile-only-users-2013-1">Facebook is a case in point.</a> Its Q4 earnings report revealed that more people are logging on to on their phones than with their laptops. Of people who check <keyword id="6354576" type="CITY" weightage="60" keywordseo="Facebook">Facebook</keyword>, 16 percent do so only on their phones and tablets. That's about 157 million of Facebook's 1.06 billion monthly active users. The social network is isn't wasting any time profiting from it. <keyword id="827181" type="UNKNOWN" weightage="60" keywordseo="Mobile-Ads">Mobile ads</keyword> account for 23 percent of its ad revenue. 
Steven Rosenblatt, the Chief Revenue Officer of <keyword id="76575" type="COMPANY" weightage="60" keywordseo="Foursquare">Foursquare</keyword>, says that any company that doesn't keep up with the changing times is going to fall behind. Very behind. 
"My rule of thumb is that in 2013, if you're a media company, if you're a publisher, and about 50 percent of your overall web traffic is not coming from mobile devices, you're in trouble," says Rosenblatt. 
According to Rosenblatt, the company puts mobile first. "We're leap years ahead of everyone else because we are mobile first [company] and because mobile is in our DNA. … I think that gives us a massive advantage over others who are trying to figure out that space," he adds. 
Rosenblatt says Foursquare taps into one of mobile's greatest advantages: its ability to emotionally and physically connect advertisers to consumers. As Rosenblatt puts it, mobile advertising is so powerful because "it's driven by two things: location and context." 
Consumers are more likely to buy a product or visit a venue if they are given the tools to search for what they want at their fingertips and are then motivated to physically go to the location and fulfill that need.
"We have an incredible search recommendation engine that we like to think of as Google ads for the real world," Rosenblatt explains. "Mobile is driving people back into the real world and getting real-world action," he adds.
One of the ways Foursquare does this is by offering users discounts that they can only redeem at a restaurant or store when they "check in" to the Foursquare app.
Check-ins allow companies that advertise with them to track their progress and see just how well their advertisements are doing. "We're showing marketers that … they can literally see the direct impact of results whether somebody checked in, whether somebody used their credit card … all these actions are critical for the merchant and our users love it as well," says Rosenblatt.
Their Promoted Updates platform, <a href="http://blog.foursquare.com/2012/07/25/introducing-promoted-updates-helping-you-discover-new-businesses-and-money-saving-specials-around-you/">launched just last year</a>, allows Foursquare to get paid for promoting other businesses in their explore tab. This means that users are notified through updates about upcoming deals and what new products the businesses who partner with Foursquare are offering. 
According to Rosenblatt, "That allowed advertisers to reach those consumers in a way that was not intrusive, in a way that was very organic to their experience."
These interactive ads are generating a lot of revenue for the company, Rosenblatt says. "In 15 years [of my career] I've seen a lot of ad campaigns and the results we're seeing here at Foursquare are off the charts ridiculously incredible. So not only are we driving people to take action, we're seeing on average 3 to 4 percent engagement rates across different categories and about half of those people are actually checking in to this particular business."
The future of advertisement lies in the ability to make the advertisement experience less intrusive, more interactive, and more personal.
Rajesh Reddy, CEO of <a href="http://www.julysystems.com/" target="_blank">July Systems</a>, a cloud-based mobile application platform provider, says the market is changing from being "commerce centric" to focusing on the consumer or, as he put it, being "user centric."
"So you turn the model upside down and you make everything you offer specific to the individual user and the context of that user. So your content is completely personalized," July Systems' CEO explains. 
According to Reddy, "If you do not take advantage of the ability to personalize and contextualize, people will not use your products ... It is that extreme a risk of not doing it." 
Foursquare CRO Steven Rosenblatt, agrees that in the future advertising will be all about maximizing a user's experience. People want to be reminded that they aren't just another person surfing the web, and that their needs and wants matter to brands. Making the mobile experience less digital and more "real," as Rosenblatt put it, might just be the key to making the virtual world feel more "human" to the consumer.
Rosenblatt's advice to companies looking to sell their products online?
"User experience, user experience, user experience. Stay away from anything that remotely resembles the desktop pop up. Rethink your whole strategy and do not just do what you're doing on the web and try and shoehorn it in to mobile."

How A Mobile Ad Turns Into A Paying Customer

<ul class="summary-list"><li>Customers of sanction-hit Russian banks are unable to use Apple and <keyword id="11990479" type="UNKNOWN" weightage="60" keywordseo="google-pay" source="Orion">Google Pay</keyword>, <keyword id="11894337" type="UNKNOWN" weightage="60" keywordseo="russia" source="Orion">Russia</keyword>'s central bank said.</li><li>These banks include VTB Group, Sovcombank, Novikombank, Promsvyazbank, and Otkritie, it said.</li></ul>Cards issued by several Russian banks that have been hit by sanctions are unable to use <keyword id="12211805" type="UNKNOWN" weightage="60" keywordseo="apple-pay" source="Orion">Apple Pay</keyword> and Google Pay services, the <keyword id="13256030" type="UNKNOWN" weightage="60" keywordseo="central-bank-of-russia" source="Orion">Central Bank of Russia</keyword> <a href="https://www.cbr.ru/press/event/?id=12720">said</a> Friday.The banks include VTB Group, Sovcombank, Novikombank, Promsvyazbank, and Otkritie, it said.Those banks' customers wouldn't be able to use their cards abroad, or to make online payments to companies registered in countries that have issued sanctions, the Central Bank said.<a href="https://www.businessinsider.com/russia-sanctions-ukraine-world-governments-president-putin-kremlin-invasion-businesses-2022-2?r=US&amp;IR=T">A number of countries imposed financial sanctions</a> against Russia earlier this week after it deployed troops in two breakaway regions of <keyword id="11985141" type="UNKNOWN" weightage="60" keywordseo="ukraine" source="Orion">Ukraine</keyword>. Sanctions were stepped up after <a href="https://www.businessinsider.com/live-updates-russia-ukraine-crisis-2022-2?r=US&amp;IR=T">Moscow ordered the invasion of Ukraine</a> on Thursday, which Russian President <keyword id="11899444" type="UNKNOWN" weightage="60" keywordseo="vladimir-putin" source="Orion">Vladimir Putin</keyword> <a href="https://www.businessinsider.com/why-russia-is-attacking-ukraine-putin-justification-for-invasion-2022-2?r=US&amp;IR=T">said was an act of self-defense against NATO expansion into eastern Europe</a>.<a href="https://www.businessinsider.com/russia-sanctions-ukraine-world-governments-president-putin-kremlin-invasion-businesses-2022-2?r=US&amp;IR=T">The UK, US, European Union, and Australia</a> are among governments who are freezing the foreign-held assets of Russian banks which also include Sberbank, General Bank, IS Bank, Rossiya, and the Black Sea Bank."Every asset they have in America will be frozen," US President Joe Biden <a href="https://www.businessinsider.com/biden-new-strong-sanctions-russia-mounts-attack-on-ukraine-2022-2?r=US&amp;IR=T">said Thursday</a>.The <a href="https://www.wsj.com/livecoverage/russia-ukraine-latest-news/card/in-moscow-lines-for-atms-amid-fears-of-withdrawal-limits-ozUQoovRYznU3dplUpq2">Wall Street Journal</a> reported that people in Russia have been queuing at ATMs to get US dollars over concerns that the value of the Russian ruble will continue to plummet, while <a href="https://www.youtube.com/watch?v=fFGKbbXsg4c">MSNBC</a> reported that some banks in Moscow are running out of US dollars. The mass withdrawals have led to fears of <a href="https://www.businessinsider.com/ukraine-russia-bank-runs-great-depression-stock-market-sanctions-deflation-2022-2?r=US&amp;IR=T">a run on banks</a> which could leave them short of capital needed for lending and financing.The central bank announced that the affected bank cards would continue to work for standard contact and contactless payments across the country with no restrictions. Customers are able to access their funds at these banks at any time, the central bank said.

Customers of banks targeted by Russia sanctions are unable to use Apple Pay or Google Pay

Need a little help this Valentine's Day? Don't worry; PayPal has your back. 
The site is offering a <a href="https://www.paypal-poemgrams.com/">free poem service</a> just in time for the holiday, no creativity required on your part.
You can chat with a poet to give him or her a little information about yourself - poets are available to chat from 8 a.m. until 8 p.m. PT.
Or if it's after hours (or you just don't feel like chatting), you can fill out a form with your name, email address, and a few tidbits about you and your loved one, to give the poet a frame of reference.
<div class="KonaFilter image-container"><div class="image">Screenshot/PayPal</div></div>
When you're done, you can tip your poet, using a credit card or, of course, your PayPal account. All the tips go directly to one of the 12 poets who helped you out. 
And that's it! Your poem should arrive 24 to 48 hours later. 
If you're in the Bay Area, the poets will be on location this week to write poems for people in real time.

PayPal Is Offering Custom Poems For Valentine's Day

A single act of kindness at a <keyword id="6377922" type="CITY" weightage="60" keywordseo="Starbucks">Starbucks</keyword> in Connecticut inspired hundreds of people to "pay it forward" and pick up the tab for strangers' drink orders over the <keyword id="8206" type="ORGANIZATION" weightage="60" keywordseo="Christmas">Christmas</keyword> holiday.
The chain of giving started around 8 a.m. on the day before Christmas, when a customer at the Newington Starbucks offered to pay for the next person in line, <a href="http://www.nbcconnecticut.com/news/local/Starbucks-Customers-Pay-it-Forward-237209581.html">according to NBC Connecticut</a>.
The recipient of the free drink was then inspired to extend the same offer to another patron.
 By the time the store closed at 8 p.m., more than 300 customers had "paid it forward." By closing time the following day, the number grew to 420. 
"It feels so good," customer Cathy Shemeth to NBC Connecticut. "It's awesome. That's what Christmas is all about."
About $45 in paid-for orders was left over, so the first couple customers to visit the store Thursday also got free drinks.

Hundreds Of Starbucks Customers 'Pay It Forward' On Christmas

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image">Getty Images NewsApple CEO Tim Cook.</div></div></div>Barclays has <a href="http://techcrunch.com/2016/04/05/all-major-uk-banks-now-support-apple-pay-as-barclays-finally-goes-live/">finally launched support for Apple Pay</a>, Apple's digital payment technology that lets you link your bank card to your iPhone or Apple Watch and pay for items without getting your card out.Apple Pay actually launched in the <keyword id="6354868" type="COUNTRY" weightage="60" keywordseo="UK">UK</keyword> on July 14, but Barclays didn't support it. Instead, it <a href="https://www.shop.bpay.co.uk/?&amp;cid=ppcb_sc15a00p00u01pa">encouraged customers to buy one of its bPay devices</a> - either a band, a key fob, or a sticker.But Barclays always promised that Apple Pay was going to launch in 2016 for its customers. <a href="https://twitter.com/orfoster/status/691727419833765892">An executive said</a> in an email that it was coming "within the next 60 to 75" days in January.<div class="KonaFilter image-container display-table"><div><div class="image"><a href="https://www.shop.bpay.co.uk/?&amp;cid=ppcb_sc15a00p00u01pa">Barclays</a></div></div></div>But then <a href="http://www.macworld.co.uk/news/apple/complete-guide-apple-pay-uk-when-will-barclays-launch-release-date-3544309/">Barclays claimed that it was going to launch Apple Pay support on March 27</a>. Unsurprisingly, that date came and went.Apple Pay is finally here for Barclays customers, however. It works just like other bank cards and can be added through the iPhone settings menu.And if you're an Android user holding out to use Android Pay with your Barclays card - don't hold your breath. <a href="http://www.techradar.com/news/phone-and-communications/mobile-phones/barclays-won-t-support-android-pay-in-the-uk-1317629">Barclays says it has no plans to support it</a>.<div id="categorypromo" style="border:1px solid silver; min-height:90px; padding:10px;vertical-align:top;"><a href="http://www.businessinsider.com/intelligence/fintech-predictions-for-2016?IR=T&amp;utm_source=businessinsider&amp;utm_medium=ctgr&amp;utm_term=ctgr_leadgen&amp;utm_content=fintech_ctgr_leadgen&amp;utm_campaign=fintech_ctgr_leadgen_2016-fintech-predictions"></a> EXCLUSIVE FREE REPORT: 5 Top Fintech Predictions by the BI Intelligence Research Team. <a href="http://www.businessinsider.com/intelligence/fintech-predictions-for-2016?IR=T&amp;utm_source=businessinsider&amp;utm_medium=ctgr&amp;utm_term=ctgr_leadgen&amp;utm_content=fintech_ctgr_leadgen&amp;utm_campaign=fintech_ctgr_leadgen_2016-fintech-predictions">Get the Report Now »</a></div> <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/tony-robbins-dj-khaled-snapchat-keys-success-2016-3">Tony Robbins reviews DJ Khaled's keys to success</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="s0amRnMjE6OflBIXizj51GWzSO-Fz7ZW" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

Barclays customers can finally use Apple Pay

Uber is making customers pay for having drivers wait

New Delhi, Dec 8 () Telecom operator Reliance Jio has claimed that it is offering five times more free outgoing calls limit on other networks than an average customer requires and they are unlikely to pay for the calls.
 The Mukesh Ambani-led telecom operator added that its new plan are offering up to 25 per cent more value than that of rivals.
 Reaction from Reliance Jio came after Bharti Airtel and Vodafone Idea removed cap on outgoing calls limit outside their network with effect from December 6, the day Reliance Jio rolled out mobile call and data plans priced up to 40 per cent compared to previous offerings.
 "Entitlement for off-net calls in Jio's 'All in One Plans' is more than 5 times of what an average customer uses as per industry data and consequently, an average Jio customer is unlikely to have to ever pay for off net calls. We reiterate that Jio plans offer up to 25 per cent higher value than comparable plans of other operators," Reliance Jio said in a statement.
 The company is offering 1,000 minutes per month (28-day cycle) of free calling every month across all plans.
 Both Bharti Airtel and Vodafone Idea earlier capped outgoing calls to other networks at 1,000 minutes in plan with 28-days validity, 3,000 minutes in 84-day validity and 12,000 in 365 days validity plan. Beyond this limit, customers were required to pay 6 paise per minute for outgoing calls made to other networks.
 "We heard you! And we are making the change. From tomorrow, enjoy unlimited calling to any network in India with all our unlimited plans. No conditions apply," Bharti Airtel said in a tweet on Friday.
 Vodafone Idea also made similar announcement on Twitter.
 "Here are unlimited possibilities with free unlimited calling, even to other networks," Vodafone Idea tweeted with note that the changes are effective from December 6 onward.
 Both Bharti Airtel and Vodafone Idea have raised their mobile calls and internet plan prices by up to 50 per cent from December 3.
 Bharti Airtel increased its entry-level unlimited plan with a year-long validity by about 50 per cent to Rs 1,499 with 24 GB of data in place of Rs 998 plan with 12 GB data usage limit.
 The price of the 365-day valid plan with daily data usage limit of 1.5 GB per day now costs 41.2 per cent more at Rs 2,398 compared to Rs 1,699 plan. Vodafone Idea plans were priced about Re 1 higher compared to that of Airtel.
 Vodafone also announced three new plans -- Rs 219 with 28 days validity offering 1 GB per day, Rs 399 and Rs 449 plan with 56 days validity each, offering 1.5 Gb and 2 GB data usage, respectively.
 With removal of the limit, Airtel's new Rs 399 plans with 56 days validity became cheaper than that of Reliance Jio plan at the same price. Vodafone Idea has also added Rs 219 plan with same offering as announced by Bharti Airtel.
 The move to raise mobile services tariff follows the Supreme Court's judgment on adjusted gross revenue in October.
 Bharti Airtel has posted a staggering Rs 23,045 crore net loss for the second quarter ended September 30, due to provisioning of Rs 28,450 crore in the aftermath of the Supreme Court ruling on statutory dues.
 According to government data, the liabilities in the case of Bharti Airtel add up to nearly Rs 35,586 crore, of which Rs 21,682 crore is licence fee and another Rs 13,904.01 crore is the spectrum usage charge dues (excluding the dues of Telenor and Tata Teleservices).
 The government is currently not considering any proposal on waiver of penalties and interest on outstanding licence fee based on adjusted gross revenue, or on extending the timelines for telecom companies to pay up their statutory dues. PRS HRS

Average customer unlikely to pay for outgoing calls, says Jio

<div class="KonaFilter image-container float_right"><div class="image on-image"></div></div>Apple Pay has been a boon for Staples, <a href="http://www.fiercemobileit.com/story/staples-apple-pay-hit-app-not-stores/2015-02-17">according to FierceMobileIT's Nancy Gohring</a>."Right now it's the number one payment method for us in our iOS apps," said Prat Vemana, VP of mobile commerce for Staples, speaking at a panel in Seattle on Tuesday.3o% of Staples' in-app purchases on iOS are coming from Apple Pay, Vemana said.When Apple Pay came out last October, around 65% of Staples' Apple Pay transactions in its mobile apps were coming from new customers.Staples' success with Apple Pay stems from the fact that there hasn't been an easy way shop on mobile devices without having to enter your payment information, which can easily deter shoppers.Although Staples has benefitted from Apple Pay in its iOS apps, the same can't be said for in store purchases.Vemana said a "healthy" amount of people had tried Apple Pay in stores but didn't give any specific numbers. Apple Pay wasn't in the top three transaction types in Staples stores. <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/iphone-headphones-tricks-2015-2">14 things you didn't know your iPhone headphones could do</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="o2OGM3czpWcydnvhjbkDBd6feXPuExiD" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

Staples is raking in new mobile customers thanks to Apple Pay

<ul class="summary-list"><li>Chipotle customers in California should brace themselves for higher menu prices this year.</li><li>Chipotle's CFO said it needed "significant" price increases to offset a new wage law.</li></ul>Chipotle's Californian customers should expect a "significant" price increase to make up for the state's new wage law for fast-food workers, executives at the burrito chain warned on Tuesday."We know we have to take something as a significant increase when you talk about a 20%-ish increase in wages," Jack Hartung, Chipotle's chief financial and administrative officer, told investors during its fourth-quarter earnings call.Minimum wages for California fast-food workers will increase to $20 an hour in April under a law signed by Gov. Gavin Newsom in September. California raised its state minimum wage from $15.50 to <a target="_blank" href="https://www.dir.ca.gov/dlse/FAQ_MinimumWage.htm">$16</a> on January 1, though some cities and counties use a higher rate. The federal minimum wage is <a target="_blank" rel="" href="https://www.dol.gov/general/topic/wages/minimumwage">$7.25</a>.Hartung previously said that the chain's average wage in California was about <a target="_blank" href="https://www.businessinsider.com/chipotle-california-fast-food-minimum-wage-definitely-pass-menu-prices-2023-10?r=US&amp;IR=T">$17 an hour</a>."We haven't made a final decision, in terms of pricing," Hartung said. "We'll wait and see just what the landscape looks like, what the consumer sentiment is, what other companies are going to do."Laurie Schalow, Chipotle's chief corporate affairs officer, later told Business Insider that the chain anticipates a price increase to be in the mid-single digits. Chipotle is based in California and has <a target="_blank" rel=" nofollow" href="https://locations.chipotle.com/">475</a> restaurants in the state —around 14% of the company's total stated restaurant count on its website.Hartung said that Chipotle could put prices up to a level where the chain breaks even, or it could "take a higher price increase and you protect margins as well."<a target="_blank" href="https://www.gov.ca.gov/2023/09/28/california-increases-minimum-wage-protections-for-fast-food-workers/">The new legislation, known as AB 1228,</a> won't just bring a wage increase in April. Under the law, a fast-food council will be able to increase the minimum wage of workers in California by up to 3.5% a year, depending on inflation.<a target="_blank" href="https://www.businessinsider.com/california-fast-food-mcdonalds-chipotle-menu-price-increase-minimum-wage-2024-2?r=US&amp;IR=T">McDonald's CEO Chris Kempczinski</a> said in October that the burger giant's menu prices would increase in California because of the law.<h2>Chipotle spends nearly as much on labor as it does on food, drinks, and packaging</h2>Fast-food chains are experimenting with technology and automation to become more efficient and to reduce how much they have to spend on wages.Chipotle, for example, is working on a <a target="_blank" href="https://www.businessinsider.com/chipotle-hiring-a-robot-to-do-a-task-employees-hate-2023-7">robot</a> to cut, core, and peel the avocados it uses for its guacamole which it plans to roll out at some restaurants. CEO Brian Niccol said on Tuesday that the chain was looking into other robots to help out in its kitchens, like ones to chop jalapeños and onions.Chipotle is also developing a <a target="_blank" href="https://www.businessinsider.com/chipotle-burrito-bowl-robot-tests-automation-faster-food-delivery-2023-9">robot</a> to make burrito bowls for digital orders, which it says can prepare about six times as many an hour as a human can.Chipotle, which has roughly 115,000 workers, spent <a target="_blank" href="https://ir.chipotle.com/2024-02-06-CHIPOTLE-ANNOUNCES-FOURTH-QUARTER-AND-FULL-YEAR-2023-RESULTS">$2.44 billion</a> on labor in 2023, up about 11% from the previous year. In comparison, it spent $2.91 billion on food, beverage, and packaging costs in 2023 — just a fifth more than it spent on labor.

Chipotle says California customers will soon be paying more for their burritos

<ul class="summary-list"><li><keyword id="10296" type="ENTERTAINMENT" weightage="60" keywordseo="Zoom">Zoom</keyword> now says it plans to offer end-to-end <keyword id="207797" type="TECHNOLOGY" weightage="60" keywordseo="encryption">encryption</keyword> to all users — free and paid.</li><li>Zoom's previous plan to only offer it to paying customers was met with backlash, especially after CEO <keyword id="9011175" type="UNKNOWN" weightage="60" keywordseo="eric-yuan">Eric Yuan</keyword> said that not giving it to free users was intended to assist law enforcement in tracking bad actors using the app.</li><li>Zoom says that while all users will be able to opt-in for end-to-end encryption, free users will have to take some additional steps to enable it, including verifying their phone number.</li></ul>Zoom announced on Wednesday that it plans to offer end-to-end encryption on its platform for all users, free and paid — a revision to its May announcement that the privacy-boosting technology would only be available to paying customers.The <a href="https://blog.zoom.us/wordpress/2020/06/17/end-to-end-encryption-update/">company said in a blog post</a> that after talking to civil liberties organizations, child safety advocates, and encryption experts, it decided that it could offer this extra layer of privacy while also fighting bad actors using the videoconferencing tool to nefarious ends. End-to-end encryption will be available in beta in July, the company says."We are confident that by implementing risk-based authentication, in combination with our current mix of tools — including our Report a User function — we can continue to prevent and fight abuse," Zoom wrote in the blog post. This is important because <a href="https://www.businessinsider.com/zoom-security-update-free-calls-not-encrypted-police-fbi-2020-6">Zoom CEO Eric Yuan said earlier in June</a> that it originally made the decision not to offer this kind of encryption to free users because "we also want to work together with FBI, with local law enforcement in case some people use Zoom for a bad purpose." Yuan's comments were highly criticized by civil rights groups, information security experts and others. <a href="https://foundation.mozilla.org/en/blog/zoom-making-privacy-and-security-luxury/">Critics like those at the Mozilla Foundation</a>, sent a letter to Zoom saying its plan would create a two-tiered system of security — privileging those who could afford to pay for Zoom, while leaving low-income users on the free tier exposed.Free users who wish to opt-in to end-to-end encryption have to go through a one-time process that may include verifying a phone number via a text message, the company says. For those who don't opt-in, they'll still use Zoom's current default level of encryption — called AES 256 GCM. The reason it's opt-in, the company says, is because enabling end-to-end encryption will make users unable to dial into Zoom calls via phone, among other features.Hosts can turn on end-to-end to encryption on a per-meeting basis. For business users, the IT department who runs the company's account can turn the feature on and off for certain accounts or groups. Zoom has faced issues of '<a href="https://www.businessinsider.com/zoom-security-passwords-waiting-rooms-stop-zoombombing-2020-4">Zoombombing',</a> where trolls or bad actors enter Zoom meetings and share disturbing material and harass participants, and has gotten a lot of backlash for not preventing these incidents early on. Zoom's plan to add end-to-end encryption to its platform is part of its 90-day plan to address the numerous privacy and security issues its faced while its user base swelled due to the coronavirus pandemic. One of those issues was its <a href="https://theintercept.com/2020/03/31/zoom-meeting-encryption/">lack of end-to-end encryption</a>, despite misleading marketing materials that said otherwise.In order to build end-to-end encryption, <a href="https://www.businessinsider.com/zoom-alex-stamos-keybase-acquisition-security-encryption-2020-5">Zoom acquired startup Keybase</a> in early May. <a href="https://www.businessinsider.com/zoom-power-players-eric-yuan-security-hiring-2020-6">Keybase founder Max Krohn</a> is now Zoom's head of new head of security engineering. Zoom also <a href="https://www.businessinsider.com/zoom-5-updates-aimed-addressing-privacy-scandals-zoom-bombing-2020-4">updated the level of encryption on its platform in April</a>. Do you work at Zoom? Contact this reporter via email at <a href="mailto:pzaveri@businessinsider.com">pzaveri@businessinsider.com</a> or Signal at 925-364-4258. (PR pitches by email only, please.) You can also <a href="https://www.businessinsider.com/how-to-tip-business-insider-securely-guide-signal-securedrop-2017-6">contact Business Insider securely via SecureDrop</a>.

Zoom now plans to offer end-to-end encryption to free users, not just paying customers

<div class="KonaFilter image-container display-table"><div><div class="image on-image"></div></div></div><ul class="summary-list"><li>Las Vegas has tapped Elon Musk's <a href="https://www.businessinsider.com/category/boring-company" target="_blank" rel="noopener">Boring Company</a> to build a one-mile tunnel underneath its downtown convention center.&#xa0;</li><li>The tunnel will connect one end of the building to the other, at a cost of $48 million, the city's convention and visitor's authority said in a press release.&#xa0;</li><li>Transit experts have criticized the Boring Company's plans for traffic mitigation as less-than-innovative.&#xa0;</li></ul><a href="https://www.businessinsider.com/category/boring-company">The Boring Company</a>'s first project should be completed by the end of the year, CEO Elon Musk said Wednesday.<div class="KonaFilter image-container display-table float_right click-to-enlarge"><div><div class="image on-image"><a title_source="Las Vegas" title_caption="" class="zoomin" href="https://static-ssl.businessinsider.com/image/5ce6990d828ac12c250ac4a3-960/potential%20lvcc%20loop%20station%20locations-final%20configuration%20to%20be%20determined%20by%20the%20lvcva%20board.jpg"></a>Las Vegas</div></div></div>The company, born out of the billionaire's hatred of freeway traffic, has been tapped to build a one-mile tunnel to connect two ends of the Las Vegas Convention Center at a total cost of $48 million, the city's convention and visitors authority said in a press release.Details for the contract include three underground passenger stations, a pedestrian tunnel and two vehicular tubes, which will all be outfitted with escalator access, lighting, WiFi coverage, cell phone data, and video surveillance systems."Las Vegas will continue to elevate the experience of our visitors with innovation, such as with this project, and by focusing on the current and future needs of our guests," Steve Hill, LVCVA CEO and president, <a href="https://press.lvcva.com/Events/las-vegas-moves-forward-with-first-underground-people-mover/s/a55fe1f7-bd53-405e-920e-32d194dda925">said in a press release. </a><div class="KonaFilter image-container display-table float_right click-to-enlarge"><div><div class="image on-image"><a title_source="Boring Co" title_caption="" class="zoomin" href="https://static-ssl.businessinsider.com/image/5ce6993018fe602d44588b23-960/190311-lvccexpansion.jpg"></a>Boring Co</div></div></div>Eventually, the Boring Company proposes, the tunnels could stretch beyond the convention center, to connect the Casino-lined Strip and to the airport at speeds of 155 miles per hour. At its <a href="https://www.businessinsider.com/elon-musk-firm-pitched-to-build-transit-system-in-las-vegas-2019-3">first unveiling in December 2018</a>, the company showed off a small-scale tunnel which reached about one-third of those targeted speeds.Las Vegas is notably the first paying customer to seal a deal with Musk's tunneling venture, after a $1 billion bid to connect Chicago's downtown Loop to O'Hare airport hit the skids. Other proposed projects in Los Angeles and Washington D.C. are also in holding patterns awaiting environmental assessments and other public input.<keyword id="34991" type="ORGANIZATION" weightage="100" keywordseo="transportation">Transportation</keyword> experts have criticized Musk's plan for small-scale people movers in smaller-than-usual tunnel diameters as near-sighted and less effective than traditional public transit. In Los Angeles, for example, the proposed system would travel only three miles to Dodger Stadium, and carry far fewer people than a subway or dedicated bus lane."His machines that build tunnels look pretty standard. I've not seen anything from him that is different from what other people do except for the smaller diameter," Herbert Einstein, an MIT engineering professor and tunneling expert<a href="https://www.forbes.com/sites/alanohnsman/2018/04/25/there-are-holes-in-elon-musks-plans-to-tunnel-through-l-a-with-boring-co/#6de704146844"> told Forbes in April 2018</a>. "What is new, or somewhat new, is that pod, the thing that goes into it and goes over long distances. … This really looks like more a vehicle development, rather than tunnel development."<h2>Now read:&#xa0;</h2><ul><li><a href="https://www.businessinsider.com/new-york-officials-spoke-to-elon-musk-about-jfk-tunnel-report-2019-2">New York officials reportedly approached Elon Musk's Boring Company about building a tunnel to JFK airport</a></li><li><a href="https://www.businessinsider.com/elon-musk-boring-company-tunnel-revealed-pictures-details-2018-12" data-analytics-position="1">See inside the Boring Company's first 1.14-mile tunnel, which Elon Musk hopes can solve LA's 'soul-destroying' traffic</a></li><li><a href="https://www.businessinsider.com/elon-musk-boring-company-abandons-la-westside-tunnel-plans-2018-11" data-analytics-position="1">Elon Musk's Boring Company axes plans to build a massive tunnel under Los Angeles</a></li></ul><div></div><div></div> <div class="margin-top"> <h3>NOW WATCH: <a href="https://www.businessinsider.com/emirates-airline-airplane-food-how-makes-flight-meals-2019-5">How Emirates makes 225,000 region-specific meals a day for its passengers</a></h3> <div> </div> </div>

Elon Musk's Boring Company finally has a paying customer for its first tunnel project

<ul class="summary-list"><li><keyword id="11928905" type="UNKNOWN" weightage="60" keywordseo="paypal" source="Orion">PayPal</keyword> is exploring a stock-trading service for US customers, CNBC first reported.</li><li>To help launch the effort, the firm hired Rich Hagen to lead a previously unreported division.</li><li>It is unlikely that the service would be launched this year.</li></ul><a href="https://markets.businessinsider.com/stocks/pypl-stock">PayPal Holdings</a> is exploring a stock-trading service for US customers amid a boom in retail investing, <a href="https://www.cnbc.com/2021/08/30/paypal-is-looking-to-launch-a-stock-trading-platform-for-its-customers.html">CNBC</a> first reported Monday. To help launch the effort, the San Jose, California-based firm hired Rich Hagen to be the CEO of a division called "Invest at PayPal," <a href="https://www.cnbc.com/2021/08/30/paypal-is-looking-to-launch-a-stock-trading-platform-for-its-customers.html">CNBC</a> reported. This is reflected on Hagen's <a href="https://www.linkedin.com/in/richjhagen/">LinkedIn</a> profile. An industry veteran, Hagen was previously with Ally Invest. "Leading PayPal's efforts to explore opportunities in the consumer investment business," Hagen's profile said. It is unlikely, however, that the service would be launched this year, sources told <a href="https://www.cnbc.com/2021/08/30/paypal-is-looking-to-launch-a-stock-trading-platform-for-its-customers.html">CNBC</a>.Still, PayPal's foray into <keyword id="11984873" type="UNKNOWN" weightage="60" keywordseo="stock-trading" source="Orion">stock trading</keyword> comes at a time when retail investing has surged in popularity borne out of the meme stock craze, pandemic lockdowns, and additional income for millions of American via three rounds of stimulus checks from the US government.The move comes after the online payments company allowed US users to buy and sell cryptocurrencies last year, a service it recently <a href="https://www.businessinsider.com/paypal-expands-cryptocurrency-services-into-uk-2021-8">expanded</a> to the UK in August 2021.PayPal's competitor, <a href="https://markets.businessinsider.com/stocks/sq-stock">Square</a>, currently offers clients stock and cryptocurrency trading through its mobile payment service, Cash App. Other rivals such as <a href="https://markets.businessinsider.com/stocks/hood-stock">Robinhood</a> and <a href="https://markets.businessinsider.com/stocks/sofi-stock">SoFi</a> already also offer both trading options. PayPal's userbase dwarfs other services, however, with roughly 400 million global customers. Shares of PayPal jumped more than 3.5% on news of the stock trading service.

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