frictionless

Welcome back to our 9️⃣ Nonprofit Trends that Matter in 2024 Series! As we near the end of our series, we're exploring how we can make generosity frictionless. We're used to frictionless payments in other aspects of our lives after all📱 With just a few taps on our phones, transactions are completed, and orders arrive at our doorsteps in a matter of hours.  Joining us today is Vance Roush, the founder and CEO of Overflow, a platform allowing orgs to accept non-cash donations seamlessly. Together, we'll explore the digital evolution of donor behavior, the upcoming wealth transfer, and how these factors intersect with the shift toward identity-driven philanthropy. This episode is packed with tips, real-world case studies, and actionable insights to streamline your nonprofit's giving journey in today's digital landscape. Tune in now to embrace frictionless philanthropy💸

Episode Highlights

• Tonesetting (1:50)
• The why behind making giving frictionless (3:15)
• We Are For Good Community’s take on this (5:15)
• Playlist to dive deeper into making giving frictionless (7:10)
• PRO tips to put this in action (8:25)
• How the wealth transfer to millennials  and Gen Z will alter generosity (11:00)
• Common obstacles donors face when trying to be generous + ways to overcome them (18:50)
• How organizations can streamline their donation process (12:35)
• Case studies of organization making generation frictionless (26:10)
• Vance’s One Good Thing: Make it so your organization can accept Apple Play. (32:25)
• How to connect with Vance and Overflow (33:45)

For more information + episode details visit:

About our Sponsor Good United

GoodUnited is a fundraising software that helps nonprofits of all shapes and sizes get the most out of social media. If you’re looking to Supercharge Your Social Fundraising, Good United is hosting a digital event on March 14th that’s just for you. Go to events.goodunited.io to register for this free event today. 

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Kyle Chayka joins us to discuss Filterworld, and the impact that algorithms have on culture and connection. Are we at the mercy of rapidly-changing algorithms and recommendations? How do we overcome ‘algorithm anxiety’ and become more intentional and thoughtful in our content consumption and decision-making? Listen now.

The Digital Front Porch

Key takeaways:

- The rise of huge social media platforms has led to algorithmic recommendations and feeds becoming the main way we experience culture on the internet.

- A personal algorithm cleanse can help reset our relationship with the internet and inspire us to think for ourselves.

- Friction is an important concept—algorithmic feeds try to eliminate friction, while slowing down our process of consumption allows for more intentional decision-making.

- Algorithm anxiety is real, particularly for those who make their living on the internet; they are at the mercy of constantly changing algorithms and recommendations.

- As consumers, our preferences are influenced by both algorithms and personal curators; we should recognize our role as tastemakers and actively participate in shaping our own cultural experiences.

• {00:08:17} - “Not being sort of plugged into the matrix doesn't mean that your life and the things that fill it in changes, it means that you're enduring more friction personally.” - Phillip
• {00:17:13} - “It's knowing who your customer is, and cultivating a longer-term relationship, and that requires a kind of friction or slowness or patience in a way. You don't just want them to frictionlessly convert from a viewer to a buyer. You want them to actually think about something.” - Kyle
• {00:19:29} - “The digital platforms treat us as passive consumers of content and as fungible user eyeballs. And so that's how we act. We act as these passive consumers who don't think about what we're consuming until we're given a reason to, and that's unfortunate.” - Kyle
• {00:33:25} - “We're seeing another wave of Internet development happening with smaller platforms that are not so algorithmically driven. I think user behavior is changing, albeit slowly.” - Kyle
• {00:39:53} - “I also grew up in AIM-era AOL chat rooms, and those aesthetics are still captured somewhere on the Internet, and they're memorable because they stuck around long enough to make an impression on us. I don't know that anyone pines for the 2019 brief interface change on Instagram as it was. There is no era anymore because it's constantly in motion.” - Phillip
• {00:52:41} - “You kind of have to ignore that someone else has already thought about the problem that you've thought about or come up with a good book on whatever. You have to have this willful amnesia to make something new.” - Kyle
• {00:59:14} - “The sheer ability of people to move quickly and change ideas and information is going to create that homogeneity. It's just that algorithmic recommendations and feeds make the speed of that exchange even faster, even more granular.” - Kyle
• {01:04:14} - “It's about connecting with what's around you, connecting with people who are in line with your philosophy or whatever. We can build communities without everything having to be for everyone, maybe.” - Kyle

Associated Links:

• Learn more about Kyle Chayka and get your copy of Filterworld
• Check out Future Commerce+ for exclusive content and save on merch and print
• The MUSES Journal is here! Grab your copy of our latest annual journal today at musesjournal.com
• Have you checked out our YouTube channel yet?
• Subscribe to Insiders and The Senses to read more about what we are witnessing in the commerce world
• Listen to our other episodes of Future Commerce

Have any questions or comments about the show? Let us know on futurecommerce.com, or reach out to us on Twitter, Facebook, Instagram, or LinkedIn. We love hearing from our listeners!

Kyle Chayka joins us to discuss Filterworld, and the impact that algorithms have on culture and connection. Are we at the mercy of rapidly-changing algorithms and recommendations? How do we overcome ‘algorithm anxiety’ and become more intentional and thoughtful in our content consumption and decision-making? Listen now.

The Digital Front Porch

Key takeaways:

- The rise of huge social media platforms has led to algorithmic recommendations and feeds becoming the main way we experience culture on the internet.

- A personal algorithm cleanse can help reset our relationship with the internet and inspire us to think for ourselves.

- Friction is an important concept—algorithmic feeds try to eliminate friction, while slowing down our process of consumption allows for more intentional decision-making.

- Algorithm anxiety is real, particularly for those who make their living on the internet; they are at the mercy of constantly changing algorithms and recommendations.

- As consumers, our preferences are influenced by both algorithms and personal curators; we should recognize our role as tastemakers and actively participate in shaping our own cultural experiences.

• {00:08:17} - “Not being sort of plugged into the matrix doesn't mean that your life and the things that fill it in changes, it means that you're enduring more friction personally.” - Phillip
• {00:17:13} - “It's knowing who your customer is, and cultivating a longer-term relationship, and that requires a kind of friction or slowness or patience in a way. You don't just want them to frictionlessly convert from a viewer to a buyer. You want them to actually think about something.” - Kyle
• {00:19:29} - “The digital platforms treat us as passive consumers of content and as fungible user eyeballs. And so that's how we act. We act as these passive consumers who don't think about what we're consuming until we're given a reason to, and that's unfortunate.” - Kyle
• {00:33:25} - “We're seeing another wave of Internet development happening with smaller platforms that are not so algorithmically driven. I think user behavior is changing, albeit slowly.” - Kyle
• {00:39:53} - “I also grew up in AIM-era AOL chat rooms, and those aesthetics are still captured somewhere on the Internet, and they're memorable because they stuck around long enough to make an impression on us. I don't know that anyone pines for the 2019 brief interface change on Instagram as it was. There is no era anymore because it's constantly in motion.” - Phillip
• {00:52:41} - “You kind of have to ignore that someone else has already thought about the problem that you've thought about or come up with a good book on whatever. You have to have this willful amnesia to make something new.” - Kyle
• {00:59:14} - “The sheer ability of people to move quickly and change ideas and information is going to create that homogeneity. It's just that algorithmic recommendations and feeds make the speed of that exchange even faster, even more granular.” - Kyle
• {01:04:14} - “It's about connecting with what's around you, connecting with people who are in line with your philosophy or whatever. We can build communities without everything having to be for everyone, maybe.” - Kyle

Associated Links:

• Learn more about Kyle Chayka and get your copy of Filterworld
• Check out Future Commerce+ for exclusive content and save on merch and print
• The MUSES Journal is here! Grab your copy of our latest annual journal today at musesjournal.com
• Have you checked out our YouTube channel yet?
• Subscribe to Insiders and The Senses to read more about what we are witnessing in the commerce world
• Listen to our other episodes of Future Commerce

Have any questions or comments about the show? Let us know on futurecommerce.com, or reach out to us on Twitter, Facebook, Instagram, or LinkedIn. We love hearing from our listeners!

In episode 1541, Jack and guest co-host Super Producer Joelle Monique are joined by comedian and musician, Caitlin Cook, to discuss… Ted Cruz: Awkwardly Guzzling Beer On TV To Own the Libs, Nobody Wants To Buy Rudy Giulliani’s Apartment, The “Plandemic 2.0” Conspiracy Theory Explained, Sorry Taco Bell... We Don’t Want A Cashless Future and more!

1. Ted Cruz: Awkwardly Guzzling Beer On TV To Own the Libs
2. America's Alcohol Czar Wants Stricter Federal Guidelines for Drinking
3. Ted Cruz Roasted for Bizarre, Beer-Chugging Newsmax Rant: ‘Everything He Does is Cringe’
4. Health Canada recommends limiting alcohol to just 2 drinks per week
5. Nobody Wants To Buy Rudy Giulliani’s Apartment
6. Can Rudy Giuliani Get $6.5M for His Upper East Side Apartment?
7. Rudy Giuliani, who keeps telling courts he's broke, just got hit with a $132,000 bill from a judge
8. No Support for Viral Claim That COVID-19 ‘Lockdowns’ Are Returning This Fall
9. Hollywood studio Lionsgate brings back mask mandate amid Covid spike
10. What Is Lockdown 2.0?
11. NOT REAL NEWS: A look at what didn't happen this week
12. COVID Relief Spending
13. Sorry Taco Bell... We Don’t Want A Cashless Future
14. Yum! Brands plan for fully digital transactions at restaurants
15. Retailers want to go cashless. But opponents say that’s discriminatory
16. Say No to the “Cashless Future” — and to Cashless Stores
17. Cashless Retail Transactions Promotes Discrimination in our Communities
18. Fact check: There are no federal laws on cashless payment, but some states prohibit businesses refusing cash
19. LA considers ban on cashless businesses because they exclude low-income people, people of color, and seniors
20. Rep. Payne, Jr.’s Bill to Protect Cash Passes House
21. New Jersey Bans Cashless Stores
22. Cashless Cafés And Businesses Are Breaking New Jersey Law: State
23. The Psychology of Cashless Transactions
24. Reverse ATMs take bills, dispense cards as stores go cashless
25. Another Move Toward a Cashless Society

Get Tickets for Caitlin Cook's One-Woman Bathroom Graffiti Musical The Writing On The Stall!

LISTEN: Starlight by THE ØĐĐ ĐREAMERS, D NOTE

See omnystudio.com/listener for privacy information.

When logging into devices and applications that hold the key to a user's identity, how can that user tell who is at the other end of the line? When it comes to internet safety and securing a user's identity online, Phil Dunkelberger, President and CEO of Nok Nok Labs, shares that the future of online security is cybersecurity that can be simplified through public private key cryptography. On this episode, Phil explains what that means, plus the purpose of FIDO and how it can create frictionless security for users logging into their devices and applications.

Tune in to learn:

• What FIDO is designed to do for users (9:55)
• Why public private keys used for authentication benefits the customer (14:00)
• How pass keys have evolved to render the need for two devices for personal and work purposes unnecessary (28:00)
• About Nok Nok’s Study on the IT Support side of the problem with authentication (35:36)

Mentions:

• Vanguard 
• Totem Tech
• Alli Bey, CEO of Totem Tech
• Dr. Larry Ponemon, Founder and Chairman of Ponemon Institute
• PYMNTS
• Karen Webster, CEO of PYMNTS
• Karen webster’s study
• “Shoe Dog: A Memoir by the Creator of Nike” by Phil Knight
• Xerox 
• Phil Zimmermann
• Symantec

IT Visionaries is brought to you by Salesforce. With Salesforce’s low-code app dev tools, you can be more efficient, more productive and save money by reducing development time by up to 90%. Get Salesforce’s Low-Code Playbook and increase time to value for your team and your customers. Download the free playbook today.

Mission.org is a media studio producing content for world-class clients. Learn more at mission.org.

In this Pocket Sized Pep Talk, you'll learn:

• What Bill means by “Frictionless" customer service.  
• The impact frictionless customer service has on customer service costs.
• A handful of questions that reveal if being frictionless is right for your business.
• Why the customers’ experience is far more important than price in the customer's eyes.
• Steps you can create to refocus your entire business on solving customer issues and problems and rethinking the way products and services are created from top to bottom. 
• One of Bill's key mentors, Tom Peters, and the impact he had on this guest.

For more information regarding this guest:

GUEST PHONE cell  206-321-0841

GUEST EMAIL bill@drivasolutions.com

GUEST WEBSITE: https://www.frictionlessorg.com

SOCIAL MEDIA: 

https://www.linkedin.com/in/bill-price-34686/

“Don’t underestimate the value of the human touch.” - Jeff Keltner

Thank you for tuning in to episode 24 of The CUInsight Network, with your host, Lauren Culp, Publisher & CEO of CUInsight.com. In The CUInsight Network, we take a deeper dive with the thought leaders who support the credit union community. We discuss issues and challenges facing credit unions and identify best practices to learn and grow together.

My guest today is Jeff Keltner, SVP of Business Development at Upstart. Upstart is a leading artificial intelligence (AI) lending platform designed to improve access to affordable credit while reducing the risk and costs of lending for their lender partners. They leverage AI to empower credit unions to an inclusive, frictionless member experience in lending.

Jeff shares that more people are creditworthy than we think. Artificial intelligence and machine learning can help a lender understand who is truly creditworthy and how much risk a loan actually represents. Upstart enables financial institutions to use AI in lending with over 800 different variables, both traditional and non-traditional (including occupation, field of work, and stability of income, for example), in their underwriting process, better understanding those in the subprime pool and identifying hidden prime borrowers. This process improves funding rates and reduces friction for borrowers in all demographics. 

We chat about inclusive lending and the mission of credit unions to serve the consumer, not just maximize profits. Jeff explains the importance of an transformed digital experience for each lending product, and the need to optimize the whole process from end-to-end rather than digitizing a legacy experience. He believes the financial institutions that will win are those that can leverage artificial intelligence technology and digital transformation, while still providing the human touch where needed. 

In our rapid-fire questions, we learn a hobby Jeff has picked up, a book he recommends, and the beverage he’s been enjoying recently. Tune in to hear his perspective on work success and family success, and much more. Enjoy my conversation with Jeff Keltner!

Find the full show notes on cuinsight.com.

Connect with Jeff:
Jeff Keltner, SVP of Business Development at Upstart
jeff@upstart.com
www.upstart.com
LinkedIn | Facebook | Twitter  

In this episode of the Big Rethink, we discuss the airport of the future with two seasoned experts. Satyaki Raghunath, the Chief Strategy & Development Officer for Bangalore International Airport Limited sat down with Amadeus’ Sarah Samuel, Head of Airport IT in Asia Pacific to discuss a multitude of pressing topics including: 

• How airports are adapting to the demands of travel 
• How airport digital strategy had evolved 
• How the travel industry can come together to provide an exceptional experience for passengers 
• A view towards the future of airports in India 

 For more information, visit https://amadeus.com/en/insights.podcast 

Paris Marx is joined by Chris Gilliard to discuss how decisions by powerful institutions over how to implement new technologies in cities, education, health, and more have the effect of creating a form of digital redlining that hides existing social problems.

Chris Gilliard is a Visiting Research Fellow at Harvard Kennedy School Shorenstein Center and teaches at Macomb Community College. You can follow Chris on Twitter as @hypervisible.

🎉 In April 2021, Tech Won’t Save Us celebrates its first birthday. If we get 30 new supporters at $5+ per month, we’ll start a weekly newsletter in addition to the weekly podcast to provide a new way for people to access critical perspectives on technology. If you like the show, become a supporter and help us reach our goal!

Tech Won’t Save Us offers a critical perspective on tech, its worldview, and wider society with the goal of inspiring people to demand better tech and a better world. Follow the podcast (@techwontsaveus) and host Paris Marx (@parismarx) on Twitter, and support the show on Patreon.

Find out more about Harbinger Media Network at harbingermedianetwork.com.

Also mentioned in this episode:

• Chris wrote about how technology can hide racism in the "frictionless" society. He also wrote about digital redlining in education.
• Despite redlining being outlawed, the effects can still be seen in many outcomes, including health. See the redlining maps at Mapping Inequality.
• Amazon originally excluded predominantly Black communities when it rolled out same-day delivery in Boston.
• In 2019, Facebook was sued by the Department of Housing and Urban Development for allowing discrimination in its housing ads. In 2020, it was found to still be doing it.
• Bots are getting US vaccine appointments, and programmers are having to help relatives get appointments.

PayByFace is on a mission to create a customer-centric, seamless, and secure digital payment ecosystem for a safer, faster, and more convenient shopping experience.

Listen to the podcast to find out:

• The effects on contactless payments as a result of the COVID crisis
• The future of interactions between customers and merchants
• The biggest gain in using facial recognition in the UX for merchants towards consumers
• Data Security for biometrical payments processing in a world of GDPR and PSD2
• Technical developments shaping the future of payments
• The next big disruptor in the payments value chain
• The PayByFace Global Full Remote Company Structure
• Even more!

If you’re curious to find out more about how PayByFace's Innovative Cardless Payment Processing creates a safer, faster, and more convenient shopping experience, please reach out to Mihai Draghici(PayByFace) for a conversation.

One of the leading design entrepreneurs and experts in the US for home décor and furnishings, and author, Christiane Lemieux (Founder of THE INSIDE a new direct-to-consumer home furnishings brand and author of the new book Frictionless) joins Marc Raco and guest host Rebecca Fitts to share huge lessons on why the "future of everything will be fast, fluid, and made just for you."

See omnystudio.com/listener for privacy information.

This week we are delighted to have Pravin Halady, PeerNova's Head of Product join the podcast. We are talking about internal friction points vs. external friction points at and in-between financial institutions, respectively.  Tune in to find out why we think fixing the friction inside out is the only way this makes sense.