Saturday, November 30, 2024 Facebook Instagram Twitter WhatsApp Youtube Personal Finance Education Entertainment Jobs Alert Sports Hindi Technology Complaint Redressal. Fact-Checking Policy Correction policy Authors and Team DNPA Code of Ethics Onwership and Funding Cookie Policy Terms of Service Disclaimer Contact US About Us More Search Home Personal Finance Post Office Scheme: Earn 2 lakh rupees in interest by investing this... Personal Finance Post Office Scheme: Earn 2 lakh rupees in interest by investing this much in this Post Office scheme, check scheme details By Shyamu Maurya November 30, 2024 0 20 Share Facebook Twitter Pinterest WhatsApp Telegram Post Office Scheme: Earn 2 lakh rupees in interest by investing this much in this Post Office scheme, check scheme details Post Office Time Deposit Scheme: This five-year scheme not only keeps your money safe but also gives you great returns. Post Office Scheme: Many small savings schemes are run under the post office, under which you can get good profit by investing a small amount. Also, investment in these schemes is also considered safe and tax benefits are also available. These schemes are run for everyone from children to the elderly. Today we are telling you about one such scheme under the post office, which also provides tax exemption benefits and can also earn lakhs of rupees through interest. We are talking about the Post Office Time Deposit Scheme, in this five-year scheme, along with keeping the money safe, the return is also strong. Strong interest is available Often people look for investment in such a place where their money is safe as well as they can get great returns on it. In this case, now the small savings schemes run by the post office are quite popular. Talking about the Post Office Time Deposit Scheme, it offers tremendous interest as well as great benefits. The interest received on investment in this scheme is 7.5 percent. In April 2023, the interest rate on this five-year post office time deposit scheme was increased from 7 percent to 7.5 percent. Along with these savings schemes, this post office scheme is one of the best savings schemes, because this scheme provides guaranteed income. Along with this, tax benefits are also available. Money will double in 5 years Under this scheme of post office, you can invest for different tenures. In this, money can be deposited for 1 year, 2 years, 3 years and 5 years. Investing for one year gives 6.9 percent interest, investing for 2 or 3 years gives 7 percent interest and investing in post office time deposit for 5 years gives 7.5 percent interest. This scheme doubles the investors’ money in five years. You will earn more than 2 lakhs from interest alone If an investor invests Rs 5 lakh for five years in post office time deposit and gets interest at the rate of 7.5 percent, then in this period he will get interest of Rs 2,24,974 on the deposit. At the same time, the total amount on maturity will increase to Rs 7,24,974. This means that you will get a benefit of lakhs of rupees on interest. Tax exemption is also available In the Time Deposit scheme, the customer is also given the benefit of tax exemption under section 80C of the Income Tax Department Act 1961. In this saving scheme, a single account or a joint account can be opened. The account of a child above 10 years of age can be opened through his/her family member. In this, an account can be opened with a minimum of Rs 1,000. In which interest money is added on an annual basis. Join Informal Newz Tags post office scheme Post Office Time Deposit Scheme Share Facebook Twitter Pinterest WhatsApp Telegram Previous article Cyclone Fengal: Heavy rain in many districts of Tamil Nadu, roads submerged in Chennai; International airport closed Shyamu Maurya Shyamu has done Degree in Fine Arts and has knowledge about bollywood industry. He started writing in 2018. Since then he has been associated with Informalnewz. In case of any complain or feedback, please contact me @informalnewz@gmail.com RELATED ARTICLES India Cyclone Fengal: Heavy rain in many districts of Tamil Nadu, roads submerged in Chennai; International airport closed November 30, 2024 Personal Finance Jio Recharge: 3 cheapest recharge plans with 28 days validity, benefit of free calling and data November 30, 2024 Personal Finance Income Tax: Government announced reward for those giving information about tax evasion – Details November 30, 2024 - Advertisment - Most Popular Cyclone Fengal: Heavy rain in many districts of Tamil Nadu, roads submerged in Chennai; International airport closed November 30, 2024 Jio Recharge: 3 cheapest recharge plans with 28 days validity, benefit of free calling and data November 30, 2024 Income Tax: Government announced reward for those giving information about tax evasion – Details November 30, 2024 Rule Change: 5 big changes are going to be implemented from December 1, the impact will be visible on every pocket! 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Fact-Checking Policy Correction policy हिन्दीDaily Post Nigeria Gov Alia to establish Benue University campuses in two senatorial districts Home News Politics Metro Entertainment Sport News Gov Alia to establish Benue University campuses in two senatorial districts Published on December 7, 2024 By Ejembi Ogwuche Benue State Governor, Hyacinth Alia, has said that he will facilitate the establishment of satellite campuses of Benue State University in Benue North-East and South senatorial districts. He said this is to bring education closer to the people and cater to the growing demand for higher education at the grassroots. This was contained in a statement on Saturday by the Chief Press Secretary to the Governor, Tersoo Kula. Gov. Alia said, “This strategic expansion will enhance access to education and strengthen the university’s role in developing the human capital base across the state.” He further announced the donation of five hundred computers to the university’s computer-based test centre. He also awarded a 100 per cent master’s degree scholarship to all the graduates who had first-class degrees. He charged them to be good ambassadors of the institution and Benue State by upholding the values of integrity and hard work, arguing that success is not only about personal development but also positive impact on society. The governor made the pronouncements on Saturday at the university during the combined convocation ceremony. He informed that his administration had sent an executive bill to the Benue State House of Assembly for the renaming of the university as Reverend Father Moses Adasu University as a way of honouring the founder of the institution, saying he looked forward to when the university would break records and place itself on the global map of excellence. Gov. Alia commended the management of Benue State University for the effective implementation of CEFTER with a promise to ensure the institution’s partnership with the World Bank is sustained towards handling post-harvest losses by revamping the Wannune Tomato Company and Taraku Mills to improve the economy of Benue while creating more job opportunities for the youth. He called on youths, especially graduates, to take advantage of the numerous agricultural policies of his administration by venturing into farming. He stressed that the government would provide funds and all farm inputs free of charge to enable them to earn legitimate means of livelihood instead of continually looking for white-collar jobs, which he noted are not readily available for now. Gov. Alia called on those who wish to further their education to remain committed to tasks of acquiring knowledge in the hope of offering solutions to societal problems and being a role model to their communities by using their education as a tool for positive change. Related Topics: Alia Benue University Don't Miss Economy tough, Nigerians facing challenges – Tinubu You may like Benue: Gov Alia appoints Aondoakaa Special Adviser on LG Bureau Benue: Gov Alia makes new appointments Benue probe panel: Ortom floors Alia at Court of Appeal Gov Alia approves N75,000 minimum wage for Benue workers Benue: Gov Alia reinstates suspended Attorney General Disruption of thanksgiving service: Benue PDP accuses Alia of high-handedness Advertise About Us Contact Us Privacy-Policy Terms Copyright © Daily Post Media LtdThe Memphis Tigers made two technical free throws in the final minute of their overtime victory over UConn Huskies. The Memphis Tigers won the game by, well, two points in a 99-97 final. But UConn head coach Dan Hurley doesn't believe his technical foul cost his team the game. "I think it was the s--ty calls," he said, per Matt Norlander of CBS Sports. "I would expect to come to play in an event, and I don't know too many back-to-back national championship teams that get that type of a whistle." He also said he believes the technical was issued because he fell to the ground protesting an over-the-back call on an offensive rebound, adding "what I gave the cameras today was Oppenheimer" when discussing how he comes across on camera. "That was a joke," Hurley said of the technical, per Brendan Marks of The Athletic. "I mean, I just watched it ... I had a lot of issues with what went on in the game ... For that call to be made at that point in the game is a complete joke." He didn't stop there when complaining about the whistle: This article will be updated soon to provide more information and analysis. For more from Bleacher Report on this topic and from around the sports world, check out our B/R app , homepage and social feeds—including Twitter , Instagram , Facebook and TikTok .
FORT MYERS, Fla. (AP) — Ahmad Robinson scored 25 points as Mercer beat Jacksonville 90-89 in overtime on Monday. Robinson had three steals for the Bears (3-3). Tyler Johnson scored 18 points while shooting 7 for 13 (0 for 4 from 3-point range) and 4 of 5 from the free-throw line and added five rebounds. Alex Holt had 14 points and finished 7 of 10 from the floor. The Dolphins (3-3) were led by Robert McCray, who recorded 20 points, eight rebounds, five assists and two steals. Kendall Munson added 14 points, six rebounds and two steals for Jacksonville. Zach Bell also had 13 points and two steals. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .Revolutionary bioengineering research may transform type 1 diabetes care, pave way for tackling cancer and autoimmune disease November 25, 2024 Medical University of South Carolina Researchers recently collaborated on a novel, highly specific strategy to treat type 1 diabetes (T1D) using a tagged beta cell transplant in tandem with localized immune protection provided by specialized immune cells also tagged with a complementary but inert targeting molecule. Facebook Twitter Pinterest LinkedIN Email Regenerative medicine holds the extraordinary promise that future patients in need of new cells, tissues or organs will no longer have to rely on donors. Organ shortages and cell type mismatches will become past problems, replaced by safe, on-demand options for anyone who needs a transplant. This revolutionary field still faces many challenges, including the nontrivial task of convincing stem cells to differentiate into desired cell types for treatment. And even if the correct cells or tissues are created and can function successfully in the body, immune rejection presents a formidable barrier to their use. To overcome this obstacle, regenerative medicine treatments in use today require systemic immunosuppression, leaving patients vulnerable to environmental hazards like viruses, bacteria and cancer cells. In a novel approach to tackle these obstacles, researchers at the Medical University of South Carolina and the University of Florida recently collaborated on a novel, highly specific strategy to treat type 1 diabetes (T1D) using a tagged beta cell transplant in tandem with localized immune protection provided by specialized immune cells also tagged with a complementary but inert targeting molecule. According to Leonardo Ferreira, Ph.D., a researcher at MUSC Hollings Cancer Center and one of the principal investigators on the study, marrying stem cell engineering and regulatory T cell (Treg) engineering allowed the first step toward a readily available, off-the-shelf solution to treating T1D. In their recent study published in the journal Cell Reports , the researchers described a unique collaboration that leveraged the beta cell engineering expertise of the lab of Holger Russ, an associate professor of pharmacology and therapeutics at the University of Florida, combined with the delicate surgical expertise and chimeric antigen receptor (CAR) T cell expertise available at Hollings. For T1D patients, the trouble begins with an immune system self-attack on pancreatic beta cells, the cells that produce the hormone insulin to regulate blood sugar levels. Without a reliable way to self-regulate blood glucose levels, patients are forced to live with a high-maintenance regimen of glucose monitoring and insulin management to maintain health and avoid dangerous complications like neuropathy, amputation and blindness. For now, some patients with poorly controlled T1D may consider islet cell transplantation using beta cells from a donor. Beta cells are isolated from a donor pancreas, purified and delivered to the patient's liver, where they can take up residence and begin secreting insulin. However, this option requires patients to undergo immunosuppression for the rest of their lives to keep the body from rejecting the foreign beta cells. It also requires the availability of donor cells, which might require long waits or may not happen at all. To focus on an alternative solution, the researchers used an engineering strategy with tagged beta cells generated from stem cells. And to induce localized immune protection, the researchers chose to use Tregs, a type of immune cell that monitors and controls the immune response. "Most of the cells of the immune system are focused on killing invasive elements," Ferreira said. "But Tregs are the generals of the immune system. They make sure that nothing goes overboard, and they train the immune system on how to respond in the future." The researchers used a mouse model to test their strategy. By transplanting beta cells that were engineered from stem cells and included a nonreactive tag -- an inactivated version of epidermal growth factor receptor -- into the kidney capsules of immunodeficient mice, they showed that the cells were incorporated and began to manufacture functional insulin. In the next phase of testing, the mice were exposed to an aggressive type of immune cell to check on the viability of the transplanted beta cells in the face of a simulated immune response. As expected, all of the beta cells were killed by the immune response, the same thing that happens in people with T1D. To avoid the killing response in the next phase, the researchers added specialized Tregs along with the immune challenge. These cells were tagged with CAR technology using a receptor that specifically recognized the inert EGFR tag present on the transplanted beta cells. With this added step, the researchers observed the immune protection they hoped for, as they observed the transplanted beta cells remaining safe, sound and functional in their new home. Ferreira was delighted with the results and energized to take the next steps. "With this approach," he said, "we made both the lock and the key for creating immune tolerance." Now that Ferreira and colleagues have shown the feasibility of their approach to T1D treatment, they plan to continue their research efforts, including building a whole library of locks and keys -- differentiated stem cells and tagged protective Tregs -- for multiple purposes, such as targeting certain cancers, lupus and other autoimmune diseases. A few questions remain, such as the specific ligand that should be used for human transplantation and the longevity of Treg-mediated immune protection. The ligand or tag must be inert and have no negative impact on the function of the cells or create any reaction that could cause side effects. And it is still unknown if one Treg treatment will be effective or might need to be repeated at intervals that have yet to be established. Because Tregs can educate immune cells to maintain immune tolerance, it is possible that one treatment will be adequate, but further research is needed to understand the long-term effects. Answering these questions and confirming the validity of the approach in humans may soon transform T1D from a chronic, high-maintenance disease with many complications to one that can be managed much more easily. Story Source: Materials provided by Medical University of South Carolina . Original written by Shawn Oberrath. Note: Content may be edited for style and length. Journal Reference : Cite This Page :
What if devices could read your mood? Here's how skin conductance could help tech understand your emotionsNEW YORK , Nov. 25, 2024 /PRNewswire/ -- The global electronic health records market size is estimated to grow by USD 54.7 billion from 2024-2028, according to Technavio. The market is estimated to grow at a CAGR of over 17.57% during the forecast period. Market Driver The Electronic Health Records (EHR) market is experiencing significant growth as healthcare providers shift from paper records to digital solutions. Hospitals and healthcare units are major adopters, with the professional services segment driving demand. Chronic diseases require extensive patient records, making digitalization essential. The acute and post-acute segments, including rehabilitation centers, benefit from EHRs' efficiency. Doctors and pharmacies also use EHRs for patient health history, medicines, allergies, and immunization status. Web-based EHRs offer convenience, while Client server-based EHRs ensure data security. Advanced healthcare facilities utilize EHRs for clinical documentation, lab systems, radiology systems, and clinical applications. Healthcare financing, administrative applications, and healthcare financing are also managed through EHRs. EHR service providers leverage software technology, artificial intelligence, and cloud storage technology to offer advanced solutions. Geriatric population and diseases require specialized EHRs. Inpatient EHRs, ambulatory care, ambulatory surgical centers, and clinical trials also use EHRs for data storage and administrative data. Devices and drugs are integrated into EHR systems for seamless patient care. The UN projects that over half of the global population will be aged 65 and above by 2039, leading to significant growth in the healthcare sector, particularly in developed countries. In response, the industry is transitioning from diagnosis and treatment to prevention. This trend is also emerging in Asia and the Middle East , where population growth is most pronounced. The demand for remote healthcare, wireless treatments, and minimally invasive procedures is escalating. Healthcare providers are investing in home care, remote monitoring, telehealth, and self-monitoring solutions to cater to this preventive care focus. Market Challenges The Electronic Health Records (EHR) market is witnessing significant growth due to the digitalization of healthcare. However, challenges persist in various segments. In the professional services segment, integrating EHR systems across hospitals, healthcare units, rehabilitation centers, and clinics requires expertise. Chronic diseases demand efficient management of patient health history, medicines, allergies, and immunization status. Hospitals face challenges with paperwork, digitalization, and big data management in acute and post-acute segments. Doctors and physicians in ambulatory services need user-friendly Web-based EHR solutions for easy access to patient records. Pharmacies, laboratories, and clinics require seamless integration with EHR systems for efficient clinical documentation and administrative applications. EHR service providers must address the unique needs of advanced healthcare facilities, specialty centers, and geriatric population. Software technology, artificial intelligence, and cloud storage technology play crucial roles in addressing these challenges. Healthcare financing, drug development, and device integration are also essential considerations. Inpatient EHR, clinical trials, and administrative data management are key areas of focus. The electronic health records (EHR) market is experiencing significant growth due to the digitalization of healthcare workflows. However, this trend comes with concerns over privacy and data protection. With the integration of devices generating data into healthcare systems and the availability of data from hospitals and insurance companies in a centralized place, healthcare organizations and patient information are at risk of cyberattacks. This issue restricts the healthcare industry from fully adopting advanced technologies, despite the potential benefits of improved healthcare quality, insights, and cost reduction. It is crucial for industry players to prioritize security measures to mitigate these risks and ensure patient data confidentiality. Research report provides comprehensive data on impact of trend, driver and challenges - Request a sample report! Segment Overview This electronic health records market report extensively covers market segmentation by 1.1 On-premises 1.2 Cloud-based 2.1 Services 2.2 Software 2.3 Hardware 3.1 North America 3.2 Europe 3.3 Asia 3.4 Rest of World (ROW) 1.1 On-premises- On-premises Electronic Health Records (EHR) are self-hosted systems where the software and hardware are installed and managed on the native IT infrastructure of businesses and enterprises. These systems offer physical control and improved data security as the data is managed in-house, and there is no reliance on the Internet for access. However, the adoption of on-premises EHR by small and medium-sized enterprises (SMEs) is hindered due to the higher costs associated with the additional requirements for servers, hardware, and floor space. Large enterprises with sufficient funds and existing infrastructure continue to prefer on-premises EHR due to the enhanced data security and control. The growing concerns around data privacy and security are driving the demand for on-premises EHR solutions, contributing to the market's growth during the forecast period. For more information on market segmentation with geographical analysis including forecast (2024-2028) and historic data (2018 - 2022) - Download a Sample Report Research Analysis The Electronic Health Records (EHR) market is witnessing significant growth due to the digitalization of healthcare and the increasing adoption of advanced technologies in the healthcare industry. The market caters to various segments including hospitals, healthcare units, and advanced healthcare facilities in both the acute and post-acute segments. Chronic diseases management is a major application area for EHRs, helping healthcare providers manage patient health history, medicines, allergies, and clinical documentation more effectively. EHR systems come in different formats such as Web-based and client server-based, with Ambulatory EHR and Acute EHR being the most common types. These systems integrate with various healthcare systems including lab systems, radiology systems, and pharmacy systems, streamlining workflows and reducing paperwork. The post-acute segment, including rehabilitation centers, is also adopting EHRs to manage patient care more efficiently. Big data analytics is a key trend in the EHR market, enabling healthcare providers to gain insights from patient data and improve patient outcomes. Overall, the EHR market is transforming healthcare delivery by making patient records more accessible and manageable. Market Research Overview The Electronic Health Records (EHR) market is a rapidly growing segment in the healthcare industry, driven by the digitalization of paperwork and the need for efficient and accurate patient care. EHR systems are used by hospitals, healthcare units, rehabilitation centers, and other advanced healthcare facilities to manage patient's healthcare records. These records include health history, medicines, allergies, immunization status, lab test results, hospital discharge instructions, billing information, and more. EHR systems are available in various formats such as Web-based EHR, Client server-based EHR, Acute EHR, Ambulatory EHR, and Post-acute EHR. They cater to different segments like hospitals, ambulatory services, pharmacies, laboratories, clinics, and specialty centers. The market is segmented into professional services, acute segment, post-acute segment, and the chronic diseases segment. The professional services segment includes services related to the implementation, customization, and maintenance of EHR systems. The acute segment caters to the needs of hospitals and inpatient care, while the post-acute segment serves the needs of long-term care facilities and rehabilitation centers. EHR systems use advanced software technology, artificial intelligence, and cloud storage technology to provide clinical applications, administrative applications, healthcare financing, and clinical documentation. They also offer integration with lab systems, radiology systems, pharmacy systems, and clinical trial data. The geriatric population and patients with chronic diseases benefit significantly from EHR systems as they require continuous care and monitoring. EHR service providers offer on-premise software and cloud-based software to cater to the varying needs of healthcare providers. The market also includes drug, devices, and administrative data. Table of Contents: 1 Executive Summary 2 Market Landscape 3 Market Sizing 4 Historic Market Size 5 Five Forces Analysis 6 Market Segmentation Deployment On-premises Cloud-based Component Services Software Hardware Type Application Geography North America Europe Asia Rest Of World (ROW) 7 Customer Landscape 8 Geographic Landscape 9 Drivers, Challenges, and Trends 10 Company Landscape 11 Company Analysis 12 Appendix About Technavio Technavio is a leading global technology research and advisory company. Their research and analysis focuses on emerging market trends and provides actionable insights to help businesses identify market opportunities and develop effective strategies to optimize their market positions. With over 500 specialized analysts, Technavio's report library consists of more than 17,000 reports and counting, covering 800 technologies, spanning across 50 countries. Their client base consists of enterprises of all sizes, including more than 100 Fortune 500 companies. This growing client base relies on Technavio's comprehensive coverage, extensive research, and actionable market insights to identify opportunities in existing and potential markets and assess their competitive positions within changing market scenarios. Contacts Technavio Research Jesse Maida Media & Marketing Executive US: +1 844 364 1100 UK: +44 203 893 3200 Email: [email protected] Website: www.technavio.com/ SOURCE Technavio
The broadcaster’s former technology correspondent, 66, was formally made an OBE by the Princess Royal for his services to journalism on Wednesday. Cellan-Jones announced in 2019 that he had been diagnosed with Parkinson’s and he has since contributed to a podcast, Movers And Shakers, discussing life with the disease. Discussing the success of the podcast, which also features Jeremy Paxman, Cellan-Jones told the PA news agency: “It’s been an absolute scream. “We’ve had the most extraordinary reaction from the Parkinson’s community. “There is a community which felt absolutely left out in the cold and this award was for services to journalism, but I can’t help but think that maybe that played some part too.” Cellan-Jones said he talked to Anne about fundraising for Parkinson’s and how technology could possibly be used to monitor the disease. The journalist added: “She showed real interest in it. “Mike Tindall, whose father’s got it, is very active in fundraising – so we talked about that.” Cellan-Jones said the OBE was “very unexpected when it came”, adding that he felt “very privileged”. He said his rescue dog from Romania, named Sophie, was “making slow progress” after becoming a social media sensation with thousands of people following her recovery online. Speaking at Buckingham Palace, Cellan-Jones said several courtiers had asked after Sophie, adding: “She’s still incredibly nervous. She’s waiting at home, she wouldn’t have liked it here – a bit too busy. “She’s making slow progress, but she’s wonderful, and she’s been very important to us.” Earlier on Wednesday, broadcaster Alan Yentob, 77, was formally made a Commander of the Order of the British Empire (CBE) by the King for services to the arts and media. The retired television executive, who was born in Stepney, London, joined the BBC as a trainee in 1968. He devised the flagship arts programme Imagine..., which he presented on, and was creative director of the broadcaster from 2004 until 2015. Yentob stepped down from the role in the wake of the collapse of the charity Kids Company, where he was chairman. The broadcaster said Charles had been “incredibly supportive” of him. Discussing Charles, Yentob told the PA news agency: “He’s been incredibly supportive, as I said to him, on many fronts, including the fact that I was the chairman of Kids Company, and he was incredibly supportive of that in the most difficult times. “And I think the way he’s come out about his illness, and the way the Princess of Wales has too, has been admirable.” Yentob said it would be “reckless” to not support the BBC, adding “it’s a place which embraces everyone”. The broadcaster added: “If you look at the figures, it’s still doing well, even though a very substantial part of its income has been removed.” Roxy Music lead guitarist Phil Manzanera, 73, was formally made an OBE by the Princess Royal for his services to music. His most well-known band, featuring singer Bryan Ferry, is famed for hits such as Love Is The Drug and More Than This – topping the singles charts once with a cover of John Lennon’s Jealous Guy. Discussing the honour, Manzanera told the PA news agency: “It’s very moving and humbling to be amongst all these people who do absolutely incredible things. “But, obviously, I am very happy to get it for services to music and music production, because I think music helps us all in our lives in terms of improving the fabric of our lives, and it’s a great support for so many people.” The musician said he discussed his upbringing in South America and central America with Anne, having grown up in Colombia, Venezuela and Cuba. Manzanera said Anne told him that her father, Prince Philip, “once flew a Viscount plane to Caracas airport”. He said his upbringing was central to his musicianship, adding: “It’s in my DNA, the rhythms of South America. “And the musicians that we’ve all come to know through the Buena Vista Social Club were the kind of music that I started playing guitar with. “It wasn’t Bert Weedon’s Play in a Day for me, it was the music of Cuba.” Actress Shobna Gulati, 58, was formally made an MBE for services to the cultural industries, Scottish professional golfer Stephen Gallacher, 50, was made an MBE and former Arup deputy chairwoman Dervilla Mitchell, 66, received a damehood for services to engineering.My Honest Review Of Alpha Heat Heated Vest Exposed
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. 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 .TEMPE, Ariz. (AP) — Marcus Johnson scored 23 points and Javontae Campbell secured the victory with a free throw with 12 seconds remaining as Bowling Green knocked off New Mexico State 61-60 on Saturday. Johnson had five rebounds and three steals for the Falcons (3-5). Derrick Butler scored 15 points while going 4 of 15 from the floor, including 2 for 7 from 3-point range, and 5 for 5 from the line and added five rebounds. Campbell had 12 points and shot 1 of 9 from the field and 10 of 12 from the free-throw line. The Aggies (3-4) were led by Jaden Harris, who posted 18 points and nine rebounds. New Mexico State also got 10 points and seven rebounds from Robert Carpenter. Christian Cook finished with nine points and four assists. Campbell scored a team-high 12 points for Bowling Green in the second half, including their game-winner. NEXT UP Up next for Bowling Green is a Saturday matchup with Morgan State at home, and New Mexico State hosts Abilene Christian on Wednesday. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .
