It’s this variety that fuels the hybrid approach, combining credit cards, bank transfers and digital wallets to pay bills.

“So I got a new debit card, ’cause someone kept doing fraud on my last one,” she explains. The TikToker opens up a piece of mail. It’s a card that she received from Bank of America. Packaged with the ...

Similar to the way they are used on aircraft, America needs a "flight data recorder,” or black box, for AI systems—capturing important information when things go wrong so we can learn from and ...