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By Funto Omojola, NerdWallet Mobile wallets that allow you to pay using your phone have been around for well more than a decade, and over those years they’ve grown in popularity, becoming a key part of consumers’ credit card usage. According to a “state of credit card report” for 2025 from credit bureau Experian, 53% of Americans in a survey say they use digital wallets more frequently than traditional payment methods. To further incentivize mobile wallet usage, some credit card issuers offer bonus rewards when you elect to pay that way. But those incentives can go beyond just higher reward rates. In fact, mobile wallets in some ways are becoming an essential part of activating and holding a credit card. For example, they can offer immediate access to your credit line, and they can be easier and safer than paying with a physical card. From a rewards perspective, it can make a lot of sense to reach for your phone now instead of your physical card. The Apple Card offers its highest reward rates when you use it through the Apple Pay mobile wallet. Same goes for the PayPal Cashback Mastercard® when you use it to make purchases via the PayPal digital wallet. The Kroger grocery store giant has a co-branded credit card that earns the most when you pay using an eligible digital wallet, and some major credit cards with quarterly rotating bonus categories have a history of incentivizing digital wallet use. But again, these days it’s not just about the rewards. Mobile wallets like Apple Pay, Samsung Pay and PayPal can offer immediate access to your credit line while you wait for your physical card to arrive after approval. Indeed, most major issuers including Bank of America®, Capital One and Chase now offer instant virtual credit card numbers for eligible cards that can be used upon approval by adding them to a digital wallet. Additionally, many co-branded credit cards — those offered in partnership with another brand — commonly offer instant card access and can be used immediately on in-brand purchases. Credit cards typically take seven to 10 days to arrive after approval, so instant access to your credit line can be particularly useful if you need to make an urgent or unexpected purchase. Plus, they allow you to start spending toward a card’s sign-up bonus right away. As issuers push toward mobile payments, a growing number of merchants and businesses are similarly adopting the payment method. The percentage of U.S. businesses that used digital wallets increased to 62% in 2023, compared to 47% the previous year, according to a 2023 survey commissioned by the Federal Reserve Financial Services. Related Articles Business | Event promoters, hotels and lodging sites soon will have to disclose extra fees up front Business | Should you donate your points and miles to charity? Business | Skip the holiday debt by planning before you spend Business | 5 ways to tell if you’re on track for retirement — and 5 things to do if you need to catch up, according to experts Business | The White House is cracking down on overdraft fees Wider acceptance is potentially good news for the average American, who according to Experian has about four credit cards. While that won’t necessarily weigh down your wallet, it can be hard to manage multiple cards and rewards categories at once. Mobile wallets offer a more efficient way to store and organize all of your workhorse cards, while not having to carry around ones that you don’t use often. They can also help you more easily monitor your spending and rewards, and some even track your orders’ status and arrival time. Plus, paying with a digital wallet offers added security. That’s because it uses technology called tokenization when you pay, which masks your real credit card number and instead sends an encrypted “token” that’s unique to each payment. This is unlike swiping or dipping a physical card, during which your credit card number is more directly accessible. And again, because a mobile wallet doesn’t require you to have your physical cards present, there’s less chance of one falling out of your pocket or purse. More From NerdWallet Funto Omojola writes for NerdWallet. Email: fomojola@nerdwallet.com. The article Activating Your Credit Card? Don’t Skip the Mobile Wallet Step originally appeared on NerdWallet .China's economy in November has continued to demonstrate resilience and stability amidst global uncertainties. Several key features have emerged, shaping the economic landscape and providing insights into the country's economic performance. Here are four major characteristics that have defined China's economic operation in November:
As the audience dispersed, reflecting on the unexpected turn of events, there was a collective sense of appreciation for the passion and dedication exhibited by Cai Guoqiang and his team in their pursuit of artistic excellence. While the drone crash may have cast a shadow over the performance, it ultimately served as a testament to the resilience and creativity of the human spirit in the face of unforeseen challenges.DT Midstream Announces Pricing of Offering of Senior Secured Notes
Beyond equities, other asset classes have also seen significant gains in the late-night trading sessions. The bond market, in particular, has witnessed heightened activity, as investors seek safe-haven assets in the midst of global uncertainties. Chinese government bonds, known for their relatively high yields and stability, have attracted a wave of interest from both domestic and international investors.As the dust settles on this case, the company can now begin the process of recovering from the financial damage caused by the embezzlement. This experience serves as a harsh reminder of the importance of transparency, accountability, and ethical conduct in financial management.One Georgia high school has gone all-in on artificial intelligence. Students at Seckinger High School learn math, science, English, and history through an AI lens. Teachers say students are more engaged and better prepared for the jobs of the future. Prior to joining the faculty at Seckinger High School, art teacher Megan Fowler's only experience with anything even resembling artificial intelligence was a single graphic design class in college. Advertisement But as her teaching career progressed, "I just felt like what I was teaching was not necessarily applicable to students' future careers ," she told Business Insider. Now, Fowler, who is in her 13th year of teaching, uses AI every day. Whether she's teaching students how to use large language models like ChatGPT as an artistic thought partner, introducing kids to the ethical considerations of generative art , or spearheading AI-centered professional development content for fellow teachers, Fowler has fully submitted to the power of machine learning. Advertisement Seckinger High School, located in Gwinnett County, Georgia , opened its doors in August 2022, right as AI went big. The public school, with an enrollment of about 2,000 students, operates like any other public school in Georgia's largest school district, with one critical distinction: Students at Seckinger learn all the standard fare — math, science, English, and social studies — via an AI-embedded educational experience. With outside help from tech partners and community collaborators, including Google and Microsoft, as well as higher ed experts and school district leaders, Gwinnett County Public Schools created an "AI-ready" framework for Seckinger students, replete with six components ranging from technical proficiency to ethics, said Sallie Holloway, director of artificial intelligence and computer science at the district. "Our students are making connections to their future that is not as common in other schools," Holloway said. Advertisement Teachers and administrators at the school see it as their responsibility to prepare students for the jobs of the future, many of which will require advanced knowledge of AI , four Seckinger educators told BI. And it's an approach that is likely to pay off, according to education experts. Bree Dusseault, managing director at the Center for Reinventing Education, cited an Institute for the Future statistic that approximately 85% of the jobs that will be available in 2030 don't yet exist. Advertisement "So, how do we build a school system that is helping prepare our students for this new future ?" Students at Seckinger have the option to dive into the AI pathway. Courtesy of Gwinnett County Public Schools How it works Seckinger staff members explain the school's AI approach using a water-based metaphor. Students can choose to swim, snorkel, or scuba dive in the oceans of AI. "We like to say that all of our kids are swimming in AI," said teacher Jason Hurd, who heads the AI career and technical education pathway at Seckinger. "They are exposed to it, have access to it, see it integrated into their lessons across all content areas at school." Advertisement Next are the snorkelers, students who want to dive a bit deeper into the tech. They might take an AI elective class or join the robotics team. Scuba divers, meanwhile, are the students who opt to enroll in the school's AI pathway, which immerses students to the nuanced mechanics of AI via three advanced courses. These students finish high school prepared to go into a specific field involving AI , Hurd said. AI integration at Seckinger looks very different depending on the class, subject, and teacher. Advertisement For example, Scott Gaffney, a social studies teacher, uses AI to teach students historical problem-solving. In one instance, Gaffney presented students with an outbreak of cholera in 1854 London and asked them to use AI to map the spread via dot distribution. The students then used AI to analyze the data and pinpoint the nexus of the outbreak to a specific street, he told BI. " Gen Z processes information way faster than previous generations," Gaffney said. "It's fun to present them with a challenge and task them to use AI to get the solution." Hurd's AI pathway course covers everything from programming to applied reasoning to ethics. Advertisement "I tell students that some days it will feel like a math class, some days it will like a philosophy class, some days it will feel like a history class," Hurd said. Teachers at Seckinger say students seem more engaged. Courtesy of Gwinnett County Public Schools How it's working so far The school, which is currently in its third year of operations, is still in pilot mode as the district waits to see what aspects of Seckinger's AI approach are ready to scale and share across the rest of the 142-school system, Holloway said. But the anecdotal results thus far have been overwhelmingly positive, educators said. Advertisement "Kids aren't skipping class as much and there's a genuine interest in how teachers are teaching this content," Holloway said. "It's not a magic bullet, but they really are seeing an increase in engagement." It helps that students at Seckinger generally feel like they know why they're learning something and how it might help them down the line , teachers said. While there was some early community skepticism around Seckinger's AI concept, educators said that parent attitudes have done a 180 in the last three years. Advertisement "Parents want their kids to go here, and kids want to be here," Fowler said. Still in its infancy, the school has yet to graduate a cohort that spent a full four years at Seckinger. Hurd, who runs the AI pathway, said he's gotten great feedback from former students who have gone on to enroll at Georgia Tech. Similarly, Fowler said she's seen some students go on to study digital art or user experience after graduating from Seckinger. Related stories Looking to the future Part of the fun — and challenge — for Seckinger teachers is staying up-to-date with the rapidly evolving technology . When the district first began discussing the idea behind Seckinger in 2019, ChatGPT had yet to be released. Today, it has over 180 million users. Advertisement "Algebra has always been algebra and will be forever," Hurd said. "But the field of AI is constantly changing. While some schools and districts are taking a hard-line approach to dealing with AI in education — banning tools like ChatGPT or Gemini from school servers — Seckinger staff are excited to see how their students can use AI to one day change the world. "There were once things called Google and Wikipedia that people thought would ruin education ," Gaffney said. "They haven't. They've actually sharpened our future leaders."Trump to name hedge fund manager Scott Bessent as Treasury chief: US media
BIOVAXYS ANNOUNCES CLOSING OF SECOND TRANCHE OF PRIVATE PLACEMENT
On Football analyzes the biggest topics in the NFL from week to week. For more On Football analysis, head here . ___ Getting benched may have been the best thing that happened to Bryce Young and Anthony Richardson. Both second-year quarterbacks are playing well since returning to the starting lineup. Young has steadily improved after coming back in Week 8. He’s displayed the skills that earned him a Heisman Trophy at Alabama and convinced the Carolina Panthers to draft him ahead of C.J. Stroud with the No. 1 overall pick in 2023. Young had his best game on Sunday, nearly leading Carolina to an overtime win over Tampa Bay if it weren’t for Chuba Hubbard’s fumble in field-goal range. He threw for 298 yards and a go-ahead touchdown pass in the final minute of a 26-23 loss . Young almost led the Panthers to a win over the two-time defending Super Bowl champion Chiefs a week earlier only to see Patrick Mahomes drive Kansas City into position for a winning field goal as time expired. Rookie coach Dave Canales benched Young for veteran Andy Dalton after just two games in which he had a 44.1 passer rating. The 23-year-old has completed 60.4% of his passes for 1,062 yards, six TDs and three interceptions — none in the past three games — while going 2-3 in the five starts since Young got another opportunity to lead the Panthers (3-9). Richardson has led Indianapolis to a pair of comeback wins late in the fourth quarter in three starts after he regained his starting job. The Colts (6-7) selected Richardson No. 4 last year and he started just 10 games before coach Shane Steichen benched him for Joe Flacco in Week 9. Richardson completed only 44.4% of his passes with four TDs and seven picks in his first six starts. He’s improved to 52.4% with three TDs and two picks since coming back. The 22-year-old tossed a 3-yard TD pass to Alec Pierce on fourth-and-goal with 12 seconds remaining and then ran in for a 2-point conversion to lift the Colts to a 25-24 win over New England on Sunday. Young and Richardson both have a long way to go to prove they can be franchise quarterbacks. But there’s far more optimism now that they’re not busts. Young is on his third head coach and second offensive coordinator in two seasons. Canales is known for getting the best out of quarterbacks, helping Geno Smith and Baker Mayfield revive their careers. He made a bold decision to bench Young after just two games but that allowed him to watch, grow and learn without the pressure of having to perform. Now it appears Young might have a future in Carolina when that seemed unlikely in September. Richardson just needs more experience. He threw only 393 passes in college and started four games as a rookie before he was injured. Steichen’s decision to bench him for Flacco didn’t work out. Flacco, who was the AP NFL Comeback Player of the Year last year after leading Cleveland to the playoffs by going 4-1 in five starts, struggled in two games. Still, that gave Richardson a chance to reset after tapping out for a play in the game before he was benched. Quarterbacks need time to develop. They can’t be judged fairly after one or two seasons, especially when they were high draft picks who joined bad teams that lacked talent. Clock management blunders Matt Eberflus lost his job as Chicago’s head coach a day after he watched the offense run out of time with a timeout in hand, missing an opportunity to push Detroit to overtime on Thanksgiving. But Antonio Pierce made an even worse decision on Black Friday that cost the Raiders a chance to beat the Chiefs. Aidan O’Donnell drove Las Vegas to the Chiefs 32 with 15 seconds left. Instead of trying for a game-winning field goal down 19-17, Pierce wanted O’Donnell to take the snap, allow more time to tick and throw the ball away. But O’Donnell wasn’t ready for the snap, the Chiefs recovered the fumble and escaped with the win. aManaging the clock shouldn’t be this difficult for NFL head coaches. Tucker’s troubles Ravens kicker Justin Tucker is having the worst season of his 13-year career. If he wasn’t one of the best kickers in NFL history, Baltimore would’ve made a switch already. But coach John Harbaugh has too much respect for Tucker, who began the season as the most accurate kicker in league history. Tucker has missed a career-high eight field-goal attempts, including two in a 24-19 loss to Philadelphia. Harbaugh, a former special teams coach, isn’t planning to replace Tucker. But the Ravens (8-5) have Super Bowl aspirations and Tucker needs to straighten things out. One solution would be to place him on injured reserve to work on his technique. In this case, Tucker has earned the right not to be released. Plus, he’s signed through 2027. ___ AP NFL: https://apnews.com/hub/nfl Rob Maaddi, The Associated PressActivating your credit card? Don’t skip the mobile wallet step
Another point of contention is how the new rule may affect user privacy and data security. Some users worry that Tencent Video's monitoring of device usage could lead to potential privacy breaches or data leakage. However, the company has reassured users that the device monitoring is solely for the purpose of enforcing the new rule and ensuring compliance.
Activating your credit card? Don’t skip the mobile wallet step
As preparations for the Spring Festival Gala continue, the inclusion of language programs and the participation of Yue Yunpeng and Sun Yue in the review process have set the stage for an exciting and diverse evening of entertainment. With a lineup that spans multiple languages and cultures, the gala promises to be a celebration of unity, diversity, and entertainment. Audiences can look forward to a gala that not only showcases the best of Chinese culture but also embraces the richness and diversity of languages and traditions from around the world.NoneThe ancient wooden documents are believed to have been used for administrative purposes, recording important information related to government affairs, trade, and communication. The Chinese characters inscribed on the wooden documents suggest the strong influence of Chinese culture and writing systems in ancient Korea, highlighting the close ties between the two civilizations.
Wayne Rooney encourages I’m A Celeb viewers to vote for Coleen to do a trialTitle: Central Politburo Meeting on December 9: Stabilizing the Real Estate Market
With 67 million viewers tuning in to watch Xiaohua give Xiangzuo the cute hairstyle, it's clear that their charm and charisma have captured the hearts of millions. The couple's genuine connection and playful dynamic continue to resonate with fans, making them a beloved and enduring presence in the world of entertainment.Parkinson’s community ‘felt left out in the cold’ – Rory Cellan-Jones
Croatia's outspoken President Zoran Milanovic won Sunday's election in the first round as he scooped up more than 50 percent of the vote, according to an exit poll. Milanovic, backed by the opposition left-wing Social Democrats, won 51.48 percent of the vote while Dragan Primorac, the candidate of the ruling conservative HDZ party, came second with 19.29 percent, showed the exit poll released by the state-run HRT television immediately after polling stations closed. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.The positive impact of tax incentives on the real estate market is also reflected in the improved confidence of both buyers and sellers. Buyers are more willing to make long-term investments in property, knowing that they can enjoy tax benefits and potential returns in the future. On the other hand, sellers are more motivated to list their properties for sale, confident that there is a strong demand in the market.
Simbisa records 12% customer count growthIn conclusion, Ivan Rakitic's resolute attitude amidst the escalating conflict with Barcelona exemplifies the power of loyalty, determination, and personal integrity in the world of football. As he navigates the uncertainties and challenges ahead, Rakitic's unwavering commitment to his principles and his teammates serves as a testament to his enduring legacy as a player who values loyalty above all else. Whether he stays or departs, Rakitic's impact on Barcelona and football as a whole will be remembered for years to come.
The was rated as a strong one last spring, a bunch of potential game-changers. And now that the fantasy football season is all but complete, we can emphatically give the final conclusion. The kids are alright. Rookies splashed all over TV screens in the fantasy football finals, intent on delivering championships to managers who believed in youth over experience. as the early Sunday window closed, with 12 games in the books. Malik Nabers (7-171-2 good for 32.6 fantasy points) ranked as the WR2 for the week, Ladd McConkey (9-84-2 for 25.4 points) the WR7. Jalen McMillan (5-51-2 for 20.5 points), Brian Thomas Jr. (7-91-1 for 20.4 points) and Xavier Worthy (8-79-1 for 18.9 points) were all in a row, holding down the 10-11-12 spots, respectively. Heck, even Marvin Harrison Jr. (6-96-0) had a solid game from Saturday, while Keon Coleman (3-27-1) . Thomas and Nabers were college teammates at LSU (along with another super rookie, QB Jayden Daniels), and the Thomas vs. Nabers fantasy draft debate should be a fun one next year. Thomas has been remarkably productive and consistent this year despite mediocre quarterback play from Trevor Lawrence and Mac Jones (to be fair, the touchdown Thomas caught on Sunday ). The New York quarterback situation has held Nabers down at times, although Drew Lock had his good stuff in Sunday's upset of Indianapolis. The Giants are sure to draft a signature quarterback next year. Nabers and Thomas could push into Round 1 of 2025 drafts Nabers, of course, went . But it was Thomas who was the . Given what Thomas overcame this year, I give him the slight edge over Nabers in 2025, but it's a tiny difference. They might go back-to-back in a lot of leagues. For now, I figure they'll land somewhere around the Pick 12-13 turn, but I wouldn't be shocked if they become even pricier than that. Forget landing them in Round 3, that's not going to happen. McConkey will be a fantasy building block in Year 2 McConkey's was doubly stinging for the Patriots, who traded the pick that became McConkey to the Chargers back in April, then shortly after selected one of the rookie flops of the year, WR Ja'Lynn Polk. McConkey's true upside was likely shielded at Georgia, where he and TE Brock Bowers didn't get to play in weekly shootouts. Does McConkey have potential Cooper Kupp upside down the road? It sure seems like the rookie is constantly open. He feels like a perfect Round 3 pick next year. Worthy's stock on the rise The flow of Worthy's rookie season was similar to how the Chiefs handled Rashee Rice last year — soft-pedal things early, then turn it on late. Of course, Worthy and Rice play much different roles, but the cadence of their seasons was similar. I suspect Worthy probably lands around Round 5 in 2025 drafts. Bucs' offseason decisions will impact McMillan McMillan was slow to earn fantasy trust from managers, as he finally climbed over the 50% rostered tag late this week. But with two touchdowns Sunday, that gives him six spikes in his last four games, part of the reliable Tampa Bay carnival. It will be interesting to see how Tampa Bay handles Chris Godwin, a pending free agent, after the season. If Godwin doesn't return, McMillan probably makes sense around Rounds 5-6. With Godwin back, it's a trickier call. The Buccaneers might also lose OC Liam Coen, who's been brilliant with the play sheet. Harrison, you ask? I suspect Harrison is a third-round pick next year — a bet on the talent, even if you don't trust the infrastructure. Kyler Murray and Harrison never completely worked out the kinks. Two other non-quarterback rookies deserve a Week 17 nod as we complete this look-ahead. Bucky Irving, star in the making Bucky Irving grabbed the RB3 slot in championship week on the strength of 190 total yards against the Carolina sieve. He basically threw Rachaad White out of the way in the Tampa backfield — Irving collected 20 carries and 24 touches compared to six and seven, respectively, for White. I don't think White is a bad player but Irving sure looks like a special one. Sounds like Irving might be a second-round pick next year, no later than Round 3. Brock Bowers is the new TE1 Bowers, of course, rewrote all those rookie tight end rules that Sam LaPorta worked on a year ago. Bowers came on late in Sunday's win over the Saints, securing all of his targets for a solid 7-77-0 line. His touchdown count of four is a little light, but consider the limited quarterbacks he's been playing with. And let's also acknowledge on the all-time rookie TE yardage chart, albeit Bowers had the benefit of a thicker schedule. Kyle Pitts once challenged that Ditka yardage record, falling just short. Pitts has been a maddening fantasy player since, but Bowers looks like something that will last. Maybe the Raiders upgrade at QB, maybe not, but I don't think it matters. Bowers should be the first tight end selected next year, figuring that will be Round 2-3 in pretty much every league.