🌻
美國聯準會(Fed)在美東時間22日下午2時(台灣23日凌晨2時)宣布利率維持在趨近零的水準,但暗示升息可能會比預期來得快一些,同時也大幅下修今年的經濟展望。
https://udn.com/news/story/6811/5764746
🌻Adobe(ADBE)電話會議內容讀後感
ADBE前兩天發表財報了.
這次ADBE在財報後下跌, 主要是兩個原因(如下). 不過個人覺得是瑕不掩瑜:
1. 因為之前已經漲了不少(投資人期望太高)
2. 因為Digital Marketing這部分的業務受到季節性的影響, 所以表現不是很突出(沒有比預期高出很多)
a. net new Digital Media ARR (3% beat vs guide, vs 15% beat in 2Q21 vs 35% beat in 3Q20).
b. 有分析師在問(“Maybe just -- can we double-click on the seasonality commentary in the quarter? Because if we look at the beat versus guidance on net new digital media ARR, it looks, at the same time you had the weakest beat, but then the strongest guide in the last three years, which kind of speaks to and confirm some of those seasonality comments that you made.)
i. 高層對此的回答是, 主要是疫情後, 加上正值夏季, 大家的日子回復到正常&放假外出, 所以這部分的業務有受到影響(I think going into the quarter, we had expected that the consumer with a little bit more return to normalcy as what's happening in the environment.)
ii. 高層又說了一些話, 不過重點就是他不認為這是甚麼大事”So, net-net, I would say that the growth prospects for that particular business and the growth drivers remain intact. But again, very much in line. And this is what we feel good about the insights that we're getting on the business.”
iii. 也提到, Q4通常會是digital marketing業務的旺季(表現會不俗的意思)
另外, 覺得這次令我印象深刻的是, 當高層與分析師提到這些事情:
• 常在一些公司的電話會議中提到omnichannel這個字(疫情後, 更明顯了). 這次高層也有提到. ADBE可說是omnichannel概念股:
o “I mean, a big part of that is more and more companies are thirdly doing the multi-channel omnichannel, whatever they want to call it. And I think that's only going to continue to be a driver of our Digital Experience Solutions. Because today that stable stakes and so we just look at it and say whether you're shopping in-store over they are shopping online. You need a solution that treats you like a customer that we know of.”
• 網路上影片(video)的興起, 以及串流影音, 有提高了Adobe的營收天花板(用句分析師的術語, 就是TAM (total addressable market) expansion.
• 當使用者製作了越來越多的內容, 內容管理(content management)的能力就越顯重要, 內容上的流程管理(workflow)也越顯重要. Adobe的產品能夠幫內容製作者解決這樣的問題.
• 而Adobe各產品間的相容性, 標準化, 整合能力, 是它的競爭優勢之一:
o And one of the things we did really well is what we called our named user deployment and how, you know, when we have these enterprise licensing agreements, we offer enterprises the ability to download and distribute within the companies. And the more we do training and evangelism of the products, that leads to adoption. So, I would say there's an element of standardization, there's an element of more content.
而最近ADBE有個新聞, 引起了我的注意, 就是它即將在自己的平台上, 提供付款服務(payment service). 根據之前研究SHOP的經驗, 這有可能會對股價造成一定的漲幅:
On Sept. 15, Adobe announced that it will add payment services to its e-commerce platform this year to help merchants accept credit cards and other ways of paying. The move will deepen Adobe's rivalry with e-commerce firm Shopify (SHOP).
For the service, Adobe has partnered with PayPal (PYPL), which will process a variety of payment types, including credit and debit cards as well as PayPal's own payment and buy-now-pay-later offerings.
https://www.investors.com/news/technology/adbe-stock-adobe-beats-fiscal-q3-targets/
接下來該怎麼辦? 對於基本面良好的公司如ADBE, 我能說的就是buy the dip(逢低買進)了. 供參.
🌻The Facebook Files
一個星期前, WSJ上面有個關於FB的大篇幅調查報導. 有興趣的可以看看.
The Facebook Files
https://www.wsj.com/articles/the-facebook-files-11631713039
這篇文章挺長, 也沒有看到華爾街中文版本的完整翻譯, 不過可以看看這篇:
https://on.wsj.com/2ZmFimp
"《華爾街日報》的相關調查顯示,這家社交媒體巨頭心知肚明,其平台會傷害用戶,而且是以該公司常常完全了解的方式造成傷害。目前,全球近半數人口都是Facebook旗下平台的用戶。其中一些證據尤其令人不安:據《華爾街日報》報導,Facebook的內部研究顯示,在報告稱有過自殺念頭的青少年中當中,有13%的英國用戶和6%的美國用戶把這種念頭歸結於Instagram。"
另一篇相關新聞:
https://www.thenewslens.com/article/156683
"《華爾街日報》於13日揭露Facebook的XCheck系統,也就是內部系統中的VIP名單,數百萬名人、政治人物與記者等知名公眾人物都在特別的一份「白名單」之內。"
"這些「貴賓」在社群上發布的內容可以躲過一般的審查系統,即使發布明顯的不當內容,也不會立即被刪除。《衛報》報導,Facebook的獨立監督委員會表示,在閱讀該篇報導後,決定要審查XCheck系統,並要求Facebook對其進行報告與解釋。"
🌻我喜歡的Apple TV影集, "Ted Lasso", 是這次艾美獎的大贏家, 很多主要演員都得獎了.
很高興這兩年, 因為有這部戲的陪伴, 讓我撐過了疫情, 家人離世, 以及一些烏煙瘴氣的事情.
前幾天看演員的得獎影片, 一位娛樂記者問得獎的男配角(也是編劇之一)說, 你覺得這部片的核心思想是甚麼. 他說, be curious, not judgemental.
就像得獎的女演員在劇中一開始是很鴨霸很壞心的球隊主人, 但這樣做是因為被前夫傷透了心, 所以想要弄垮離婚後分到的財產(也是前夫的最愛--球隊); 外表看起來永遠陽光燦爛做啦啦隊的男主角, 在青少年時父親自殺, 造成了他心裡永遠的痛&障礙(讓他在球賽時, 會有突發恐懼症).
我們每個人其實都有很多面, 很多個故事. 尤其在社群, 大家都是萍水相逢, 對彼此的了解都是非常片面的; 而有時候在社群裡, 看到有人會因為只看到一個面向, 就去下斷語. 這其實是人之常情很難避免, 所以我們需要常用第二層思考去提醒自己. 社群裡需要更多的同理心.
“Be curious, not judgmental” – Walt Whitman(惠特曼)(美國詩人)
Picture來源:
https://www.apple.com/newsroom/2021/09/apples-global-hit-comedy-series-ted-lasso-sweeps-the-2021-primetime-emmy-awards-scoring-history-making-win-for-outstanding-comedy-series/
同時也有115部Youtube影片,追蹤數超過0的網紅CarDebuts,也在其Youtube影片中提到,ส่องสายการผลิตและประกอบ Mercedes-Benz EQA 2021-2022 เมอร์เซเดส เบนซ์ อีคิวเอ รถเอสยูวีไฟฟ้ารุ่นเริ่มต้น และมีขนาดเล็กที่สุดของบริษัท Electric athlet...
customer payment 在 Facebook 的最讚貼文
🚩想分享很久的:環保省電小回贈❤️
(因為家住九龍所以只能分享中電的🤣🙈)
就是隔月收到電費單我都覺得是🙈成績單
雖然也不是什麼全港最省電家庭!但!
只要每個月的用電量降低就代表減了碳排
所以我幾乎是每個月都會看一下用電狀況
今天夏天終於完全做到不開冷氣的🤧
(過往我不開但家人都會開今年完全沒開)
所以要繳的錢低得可怕(加上政府補助電費)
然後冬天不用開電扇用電一定會再減少
最近頭髮剪短了也減少了用吹風機時間
最想分享的是中電儲分方法會讓環保有感
像是申請了電子帳單每期都有積分
不同的慳電情況又會有積分進帳
(如果可以打入全年最省電家庭會很興奮🤣)
儲了積分有超多東西都可以換
我自己比較傾向換禮券因為比較會用到
每一陣子換領的東西都不一樣
我都是放了一兩年才會換一次
有興趣自己可以去看
省電減碳排都是每天的一點一滴
少吃一點肉少吹冷氣少購物棄用即棄物
都很可以
一起加油
支持環保是一種生活態度🥰🥰🥰
中電電子帳單:https://www.clp.com.hk/zh/customer-service/billing/ebill
港燈電子帳單:https://www.hkelectric.com/zh/customer-services/billing-payment-electricity-tariffs/e-bill
請follow💩的MeWe & IG
MeWe : mewe.com/p/imsheeppoo
IG: www.instagram.com/imsheeppoo/
#大便妹 #環保 #源頭減廢 #減碳 #走塑日常 #不塑之客
customer payment 在 eCloudvalley Facebook 的最讚貼文
Data AI/ML experts from eCloudvalley include AWS Big Data Specialty and Machine Learning Specialty certified engineers and data scientists. We look forward to assisting enterprises in internal optimization and development by building the platform, designing the scheme, and training the AI model to suit each customer's needs.
Founded in 2011, Red Dot Payment is a trusted online payment company that provides premium payment solutions and expertise to the brightest merchants across the Asia Pacific. Since the primary goal of the online payment process is to assist customers in making online transactions easier, the speed of transaction data will have a positive impact on customer satisfaction.
With the Data AI/ML solutions of eCloudvalley, Red Dot has significantly reduced the transaction conversion time by approximately 75% and saved about 98.23% of the cost. Not only have they achieved an efficient and secure payment process, but this allows Red Dot and its customers to monitor transactions via real-time dashboards.
Learn more about the project on Red Dot, please clink in follow 👉 https://www.ecloudvalley.com/red-dot-payment/
customer payment 在 CarDebuts Youtube 的最佳貼文
ส่องสายการผลิตและประกอบ Mercedes-Benz EQA 2021-2022 เมอร์เซเดส เบนซ์ อีคิวเอ รถเอสยูวีไฟฟ้ารุ่นเริ่มต้น และมีขนาดเล็กที่สุดของบริษัท
Electric athlete in the successful format of the GLA:
EQA is the name of the new entry-level model to the all-electric world of Mercedes-EQ vehicles. The dynamic design of its SUV body is an indicator of the driving enjoyment to be found on board. Offering an excellent compromise between performance, costs and time to market, the EQA is the first all-electric member of the compact car vehicle from Mercedes-Benz. A close relation of the GLA, it delivers all the thrilling characteristics of that vehicle, combined in this case with an efficient electric power train. Prices in Germany start at 47,540.50 euros[1].
Efficient driving pleasure:
The EQA is being launched as the EQA 250 (combined electrical consumption: 15.7 kWh/100 km; combined CO2 emissions: 0 g/km) with 140 kW and a range according to NEDC of 486 kilometres[2][3][4]. Further variants to meet specific customer requirements will follow. These will include on the one hand a series of even more athletic all-wheel-drive models with an additional electric powertrain (eATS) and an output of 200 kW or more, and on the other hand a version with a range of more than 500 kilometres (WLTP)4. Mercedes-EQ sees the key to a bigger range not in ever-larger batteries, but in systematic improvement in the efficiency of all vehicle components.
Automatic anticipatory driving:
Navigation with Electric Intelligence calculates as a matter of course the route that will get you to your destination fastest, taking into account charging times, thus taking the stress out of route planning for the driver. On the basis of continual range simulations, the system makes allowance for any necessary charging stops as well as for numerous other factors, such as the topography and the weather. It is also able to react dynamically to changes, for instance in the traffic situation or personal driving style.
Convenient charging and payment:
With Mercedes me Charge, customers have access to what is currently the world's biggest charging network: this currently comprises more than 450,000 AC and DC charging points across 31 countries. Mercedes me Charge allows customers convenient use of the charging stations of various providers, even when travelling abroad. By registering just once, they can benefit from an integrated payment function with a simple billing process.
Green Charging:
Mercedes me Charge enables customers to charge at more than 175,000 public charging points throughout Europe; Mercedes-Benz ensures a subsequent offset with green power.
customer payment 在 美女健身聯盟 Youtube 的最讚貼文
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customer payment 在 美女健身聯盟 Youtube 的最佳解答
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