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The global electronic merchant services market is expected to reach USD 222.8 billion by 2023, according to a new study. The use of electronic card payments is growing rapidly due to the rising popularity of digital technologies and improved IT infrastructure. The increasing adoption of electronic payment methods such as mobile wallets, contactless cards, and e-wallets has led to a rise in the number of transactions processed through these systems worldwide

Overview and Industry Trends

Electronic merchant systems are growing in popularity. These systems allow businesses to accept payments from customers and are used by small, medium, and large companies. They can be used by online retailers as well as brick-and-mortar stores that want to expand their reach beyond the physical location of their business.
Electronic merchant systems have many benefits for businesses:

• They're easy to set up--you don't need any special equipment or training
• They're convenient for both customers and merchants (who don't have to deal with cash)
• There are no transaction fees

Market Segmentation by Type

Payment Gateway: A payment gateway is a service that allows you to accept credit card payments online, through your website or mobile app. These gateways connect directly into your merchant account and provide you with the ability to process transactions 24/7.
POS Solutions: Point of sale solutions allow retailers to process transactions at their physical locations using cash registers, kiosks, tablet devices and more. They're commonly used in restaurants but can also be used for other retail businesses as well.
eCommerce Platforms: An eCommerce platform is software that enables businesses (both small and large) to sell products online through their own websites or third-party marketplaces like Amazon or eBay without having any technical knowledge about how websites work.

Market Segmentation by Region

The market is segmented into North America, Europe, Asia Pacific and Rest of the World.
North America is expected to dominate the market with a share of around 40%. The region is followed by Europe and APAC in terms of revenue generation during the forecast period (2023).

Key Players

Amazon
Amazon is an American electronic commerce company that was founded in 1994 by Jeff Bezos. The company is based in Seattle, Washington and is the largest online retailer in the world. In 2018, it became the second most valuable public company in the world behind Apple Inc., with a market capitalization of $898 billion.
PayPal Inc.* (previously PayPal Holdings) is an American multinational digital payment company headquartered in San Jose, California. It operates as a processor for online vendors, auction sites and other commercial users; for consumers to send money to other people or businesses; for buyers to receive funds from sellers; for charities to collect donations; and for businesses to process transactions including import/export payments.

Electronic Merchant Systems 2023

Electronic merchant systems are used to process payments and provide merchants with an easy way to accept credit cards, debit cards, checks and cash. Electronic merchants can be either B2B or B2C. In the case of the latter, they are often called "e-commerce" sites--or simply e-commerce--for short.

Conclusion

We have seen the growth of electronic merchant services in the last few years. This is a trend that will continue as more people are becoming aware of the benefits of electronic payments over cash and checks. The market for these systems is expected to grow at a steady pace over the next five years as well.

International League AAA (total moves: 10)

• Durham Bulls (TB) Jose Lopez (Assigned) - LHP Jose Lopez assigned to Durham Bulls.
• Iowa Cubs (CHC) Chris Clarke (Assigned) - RHP Chris Clarke assigned to Iowa Cubs.
• Syracuse Mets (NYM) Brett Baty (Optioned) - New York Mets optioned 3B Brett Baty to Syracuse Mets.
• Nashville Sounds (OAK) Abraham Toro (Optioned) - Milwaukee Brewers optioned 3B Abraham Toro to Nashville Sounds.
• Syracuse Mets (NYM) Mark Vientos (Optioned) - New York Mets optioned SS Mark Vientos to Syracuse Mets.
• Nashville Sounds (OAK) Tyson Miller (Optioned) - Milwaukee Brewers optioned RHP Tyson Miller to Nashville Sounds.
• Syracuse Mets (NYM) Danny Mendick (Optioned) - New York Mets optioned SS Danny Mendick to Syracuse Mets.
• Jacksonville Jumbo Shrimp (MIA) Garrett Hampson (Optioned) - Miami Marlins optioned SS Garrett Hampson to Jacksonville Jumbo Shrimp.
• Jacksonville Jumbo Shrimp (MIA) Jordan Groshans (Optioned) - Miami Marlins optioned SS Jordan Groshans to Jacksonville Jumbo Shrimp.
• Syracuse Mets (NYM) Jeff Brigham (Optioned) - New York Mets optioned RHP Jeff Brigham to Syracuse Mets.

Pacific Coast League AAA (total moves: 7)

• Albuquerque Isotopes (COL) Peter Lambert (Optioned) - Colorado Rockies optioned RHP Peter Lambert to Albuquerque Isotopes.
• El Paso Chihuahuas (SD) Brandon Dixon (Optioned) - San Diego Padres optioned 3B Brandon Dixon to El Paso Chihuahuas.
• Albuquerque Isotopes (COL) Jake Bird (Optioned) - Colorado Rockies optioned RHP Jake Bird to Albuquerque Isotopes.
• Tacoma Rainiers (SEA) Justin Topa (Optioned) - Seattle Mariners optioned RHP Justin Topa to Tacoma Rainiers.
• Colorado Rockies (COL) Harold Castro (Selected) - Colorado Rockies selected the contract of SS Harold Castro from Albuquerque Isotopes.
• Colorado Rockies (COL) Ty Blach (Selected) - Colorado Rockies selected the contract of LHP Ty Blach from Albuquerque Isotopes.
• Colorado Rockies (COL) Mike Moustakas (Selected) - Colorado Rockies selected the contract of 3B Mike Moustakas from Albuquerque Isotopes.

Joseph
Joseph was an extremely good person with a big good heart. He loved people and decided to organize a party. He prepared food, drinks, and music and sent invitations to the whole village.
When it was time for guests to come to Joseph's party in the evening. No one showed up.
Joseph waited patiently all evening, but no guests came to his party.
Only his fat cat came to the party, which would have come anyway.
Joseph did not allow himself to be distracted by this. He thought that maybe the guests got lost along the way so they couldn’t come.
The following week, Joseph again prepared everything for the party and sent out invitations to guests with exact instructions on how to reach him.
No one showed up.
Joseph noticed that it was raining outside. He thought the guests hadn't come because it was raining outside. Joseph decided to keep an eye on the weather forecast.
For the next few days, he paid close attention to the weather forecast.
The day came when the weather was perfectly beautiful and Joseph sent out invitations to the party and prepared everything needed for one top party.
No one showed up.
As usual, only his fat cat came.
Joseph set out to walk through the village in the fresh air.
The village was deserted and in the distance, he heard music playing in the village hall building.
As he approached the village hall, he heard people having fun inside.
He reached the entrance and wanted to go inside.
The guard stopped him and said there was no place for him at the party. Joseph asked the guards why this was so, why there was no place for him at the party. The guards did not know the answer to that question.
Joseph, a little sad, headed back home.
Suddenly he saw the most beautiful woman he had ever seen.
Joseph's heart began to beat fast as he watched her.
He was delighted with her beauty and grace.
He approached her and said, "My name is Joseph, it would be a great pleasure to get to know you better."
The woman replied shortly, "I'm in a hurry to the party."
And the woman went to the building where the party was.
Joseph looked after the beautiful woman, determined to get to know her better.
Tomorrow was Sunday and Joseph got ready for church.
During Mass, he saw a beautiful woman from last night. She was even more beautiful, she looked like an angel. After Mass, Joseph hurried out of the church to greet the beautiful woman.
When he approached her and said that he was Joseph and that they had met last night in front of the building where the party was.
The woman laughed sweetly and asked him what he wanted.
Joseph offered to escort her home.
Together they headed for her house.
Along the way, they joked and laughed.
They were both extremely comfortable in each other company.
When they reached her house, Joseph asked her, "Do you want to go for a walk with me tomorrow morning?"
Woman agreed.
Tomorrow morning they went for a walk.
It was a wonderful morning for both of them.
In the afternoon, Joseph came under her balcony and brought her flowers. He had written a song for her.
"You are my maiden I am your knight I want forever Defend your beauty"
In the weeks that followed, Joseph spent the most beautiful days of his life.
In the morning the two of them would walk, and in the afternoon Joseph would come in front of her balcony, enjoying her company.
One evening while with a bouquet, a chocolate candy bar, and a new song in his heart, he walked towards the balcony of his sweetheart.
Joseph was left petrified when he saw the scene on the balcony.
His beautiful maiden was kissing passionately another man on the balcony.
Joseph rubbed his eyes, but it didn't help.
He saw well.
Just as he moved closer to the balcony to ask her what it was all about.
The father of his maiden came out.
The father looked at Joseph with contempt in his eyes and said, "Get out of here! My daughter is marrying a rich merchant next week! You are nobody and nothing! I never want to see you near my daughter and house again!"
Joseph looked towards the balcony at his darling who heard everything.
She just looked at him coldly, turned her head, and entered the house with her merchant.
Joseph was devastated.
He couldn't believe what had happened to him.
He felt a pain in his stomach and could not eat or sleep.
He decided to organize a party. Maybe the fun will cheer him up.
He sent out invitations and prepared food, drinks, and music.
No one came to his party.
Not even his fat cat showed up at his party that night. Joseph went out into the fresh air, all sad.
As he approached the center of the village, he saw a huge party.
It was his maiden's wedding.
The whole village was at the party.
Joseph had had enough of everything.
He decided to change things.
At night, Joseph crept into the church and took off the holy diamond that stood above the altar in the church.
He went back to his house and took the necessary tools.
He climbed the highest hill above the village.
Joseph threw himself into the work.
He built the most beautiful throne in the world.
A throne is worthy of the king himself.
When he had finished his work, he began to shout at the top of his voice, "Oh, great and mighty Devil! I, Joseph, have built this most beautiful throne in the world just for you! I have brought you this holy diamond as a gift!"
Suddenly the sky darkened, and lightning and thunder began to strike in all directions.
In front of Joseph, the wicked himself was created, the Devil.
Devil asked Joseph, "What do you want, you poor thing? Why are you bothering me?"
Joseph told the Devil that he wanted to be his loyal servant.
Devil told Joseph that he already had enough loyal agents and why he would accept him into his service.
Joseph said, "O great and mighty Devil, I have built this throne on the most beautiful lookout in the world. From here you can sit comfortably and watch the world. And I have brought you this holy diamond."
Devil looked at Joseph, then at the truly beautiful throne.
Devil asked Joseph, "And why is there a hole in the seat on the throne?"
Joseph said, "Your Highness does not have to rise from the throne when you want to shit."
Devil thinks for a moment and realizes that there is a logic behind Joseph's design of the throne.
Devil hated it when he got hooked in the middle of an important meeting, so he would have to run to the toilet.
Devil has sat on the throne.
Devil was extremely pleased with the comfort of the throne, so he said, "All right, Joseph. Give me my holy diamond."
Joseph sets out to give the diamond to the Devil, but the diamond falls out of his hand and rolls under the throne.
Devil starts laughing at Joseph for being clumsy.
Joseph bent down for the diamond, which was right under the Devil's ass.
He takes out the scissors and quickly cuts off the Devil's balls.
Devil let out a cry that the whole earth shook.
Joseph grabbed the balls and diamond and fled.
Devil starts yelling, "Where are you, you cheater ?! The earth is going to eat you!"
Joseph was ten yards lower hidden behind a bush.
Suddenly, Joseph got up behind the bush and started crawling his tongue and mocking him.
Devil was so angry that steam began to come out of his ears.
He became redder than usual.
Devil turned around and tore off a stone from a nearby mountain and started throwing stones at Joseph.
Joseph ran down the hill as fast as his feet could carry him.
Behind him fell stones that the Devil threw at him.
When he came to the foot of the hill, Joseph began to shout, "You coward! You will never catch me! And I will make these eggs of yours on scrambled eggs and eat them!"
Devil was so angry that the strongest thunderstruck from the sky at the place where the Devil was.
Devil has disappeared.
Joseph went all happy in the middle of the village and began to shout: "Gather people! Gather people! Gather people, let me tell you the heroic deed I did!"
Little by little, the people began to gather.
When the whole village had gathered, Joseph told how he had cut off the balls of the Devil himself and showed balls to the people.
The people have been silent for a few moments.
So, you hear one of them say, "And that's why you called us? I cut my bull's balls last week, so I'm not bragging!" To this, another local said, "Don't they look like real balls to me ?!" A third resident answered and said, "You interrupted me from watching Santa Barbara because of that !?" Another local came forward and said he could get much better balls.
The people began to disperse to their homes, and Joseph was left alone.
Joseph realized that evening, that not only the Devil was left without balls.
Joseph went to return the holy diamond from the altar to the church and went into the night.
Tomorrow, the excited cries of the children break through the village.
The children shouted, "Come quickly, people! Stairs have formed up to the highest hill above our village!"
People gathered and went to see what it was all about.
When they reached the foot of the hill, they began to climb the stairs to the top of the hill.
Stairs that didn't exist before.
When they reached the top of the hill, they saw a beautiful cherry tree in bloom.
It was the most beautiful lookout point in the world.
The people returned to the village and gathered in the square.
The people concluded that Joseph was still telling the truth and that he had been misjudged.
They began to look for Joseph in the village. Joseph was nowhere to be seen.
They went to the house of Joseph, but the house was empty, and no one answered.
The locals decided to forcibly enter Joseph's house to search for him.
The house was empty. There was no sign or voice for Joseph. They found only a message written by Joseph.
"My dear When I'm gone You have drinks there in the house You also have great music in the house Bring your food Have fun In my memory."
The locals searched for Joseph for a few more days, and since they could not find him, they concluded that Joseph must have gone to another world.
The locals threw a party in Joseph's honor.
Joseph had left a great drink and very good music. And the food at the party was good too.
Afterward, everyone had a good time.
After the party, they went to their homes.
After a few days, no one remembered Joseph.
A couple of weeks passed and the men in the village started having nightmares. Every man in the village had the same nightmare. The devil personally comes to their dreams and laughs at them by saying, "You are not even half a man of Joseph!"
It torments and provokes them in different ways.
The men in the village felt bad.
None of them could get a good night's sleep.
Everyone gathered in the village square and held a meeting.
None of the men had a solution.
Suddenly the woman spoke. Women are otherwise known to be wiser and smarter than men.
One woman spoke on behalf of the other women's: "We as a village did not treat Joseph very well! With all this, Joseph did a heroic deed that no one ever did! Joseph deserved much more! Especially now that he is gone!"
The locals all agree that this is the case and decide to erect the largest monument to Joseph, a statue that can be built.
The locals began to build a statue of Joseph in the center of the village.
As the construction of the statue progressed, so did the nightmares to the men stop coming.
When they finished building the statue.
Everyone was thrilled at how magnificent the statue was.
Joseph stood proud and high.
He looked into the distance toward the sea and the sunset.
His left hand was above his eyes and cast a shadow. He held the Devil's balls in his right hand. And his smartphone was tucked behind his belt.
As the years went by.
The legend of Joseph grew.
New generations were coming, who were much smarter than the previous ones, and proudly said that the legend, the man, was from their village.
The man who cut off the Devil's balls.
Napomena: AI, zbog dužine priče nije u stanju analizirati sami kraj priče. Interesantno je kako zbog ovakvih trenutačnih ograničenja AI, može lako doći do gubitka poruke.
AI Analiza 1: Priča "Joseph" prati protagonistu koji organizira zabavu za selo, ali nitko se ne pojavi na zabavi osim njegove mačke. Joseph ne dopušta da ga to obeshrabri, nego pretpostavlja da su se gosti izgubili na putu, ili da je kiša bila razlog njihova izostanka. Kad se Joseph ponovno odluči organizirati zabavu i nitko se ne pojavi, odluči prošetati selom i čuje zabavu koja se održava u dvorani. Kad pokuša ući, stražar mu zabrani ulazak, ali Joseph kasnije susretne najljepšu ženu koju je ikad vidio i dogovore se za šetnju i druženje. Tjednima nakon toga, oni provode vrijeme zajedno, ali kad Joseph otkrije da ga vara s bogatim trgovcem, slomi mu se srce. Odluči organizirati zabavu za sebe i pozove cijelo selo, ali nitko ne dođe. Kada sazna da se njegova draga udaje za bogatog trgovca, odluči podići najljepši prijestolje u čast vraga i pokloni mu dragulj koji je ukraden iz crkve. Kao rezultat toga, sam vrag se pojavljuje ispred njega i Joseph mu daje dragulj.
Ova priča prikazuje kako Joseph ima veliko srce i spremnost za organiziranje zabave za selo, bez obzira na to što nitko ne dođe. Međutim, kasnije se dogodi situacija u kojoj njegova srce slomi i odlučuje učiniti nešto neuobičajeno da bi se osvetio svojoj bivšoj djevojci. Ova priča može se protumačiti kao da ukazuje na važnost samopouzdanja i prihvaćanja stvari onakvima kakve jesu, umjesto da se oslanjamo na druge ili na materijalne stvari kako bismo bili sretni.
AI Analiza 2: Priča "Joseph" je priča o čovjeku koji je imao dobro srce i želio organizirati zabavu za cijelo selo, ali nitko nije došao. Nakon neuspješnog pokušaja, on nije dopustio da ga to obeshrabi te je odlučio ponovno organizirati zabavu, no ni tada nitko nije došao. On je mislio da ljudi nisu došli jer je kiša padala pa je sljedećih dana pažljivo pratio vremensku prognozu. Nakon što je vidio da je vrijeme savršeno, poslao je pozivnice i pripremio sve potrebno za još jednu zabavu, ali nitko nije došao, osim njegove mačke. Nakon što je krenuo u šetnju, čuo je glazbu u seljačkom domu i otišao tamo, no čuvar mu nije dopustio da uđe. Nakon što je vidio najljepšu ženu koju je ikad vidio, pokušao ju je upoznati, ali ona je požurila na zabavu na koju je na kraju došao i vidio je kako je ta ista žena bila u vezi s drugim muškarcem. Kasnije je saznao da je taj muškarac bogati trgovac i da će se ona uskoro udati za njega. Nakon što je organizirao zabavu za sebe i nitko nije došao, odlučio je uzeti sveti dijamant iz crkve i sagraditi najljepši prijestol za đavla. Kada je završio, vikao je da ga pozove. Priča ukazuje na teme poput usamljenosti, ljubavi, zavisti i očajanja.
AI Analiza 3: Priča "Joseph" prikazuje život i odnose između ljudi kroz protagonistu Josepha, koji predstavlja čistu i dobru osobu s velikim srcem, koja se trudi organizirati zabavu i uživati u društvu drugih ljudi. Kroz njegovu nesebičnost i dobre namjere, vidimo kako čak i najbolje namjere mogu biti zanemarene ili neshvaćene, a da to ne ovisi samo o našoj vlastitoj volji i akcijama. Joseph je bio nesebičan i uvijek je mislio na dobrobit drugih, ali se suočio s odbacivanjem i izolacijom od ostatka zajednice.
Vjerujem da ste i sami primjetili kako je kontekst promijenjen. Napišite svoje razmišljanje o priči i Umjetnoj inteligenciji.

Make mine a nothing, I’ll have none of that, No accoutrements or flair, Writhe, unclothed maniacs
Step with stone breath, Kissing in change, Bled on the grass, While living estranged
Bit above waves, Iced crème de la crème, Given to taking, In psychopathic realms
Sleepless in slumber, Dozed in a daze, Cold cucumber hunger, And fog clogged refrains

San Jose Sharks goalie James Reimer defended his decision to forgo wearing a Pride-themed jersey and miss warmups completely before a game earlier this month. Reimer cited his religious beliefs, as others have this season, as the reason he would not wear the jersey to show support for the LGBTQ+ community in San Jose. In … Continue reading Sharks’ James Reimer talks refusal to wear Pride-themed warmup, believes ‘everyone has value and worth’

Genuinely curious. I don’t dislike the guy; I even remember being a fan as a kid. I’m watching an old Nitro from 1996 right around the time he debuted in WCW and he’s gettin the serious rub from Flair and being made to look like a vital part of the WCW vs. NWO storyline. Rewind to 1995: he’s the WWF IC champion (when it seemed to at least carry a bit of prestige) in 1999, he’s back in the E and they’re trying to book him in a feud with Stone Cold before it’s vetoed by Austin. Fast forward another few years and he’s back in WCW winning the title.
Just looking at the guy, he doesn’t seem to be overly impressive (compared to other wrestlers obviously) in terms of aesthetic attractiveness or physique. I mean, I can understand why they tried to push Luger so often because of those factors. He also never truly seems to be over with the crowd in any meaningful way. Was he pushed so much because of connections or is there something I’m missing?