Retail

PayPal enteres Buy Now Pay Later

PayPal is trying to take the steam out of the leaders in the Buy Now Pay Later (BNPL) market by introducing it’s own Buy Now Pay Later product which will be a pay in 4 option. This pay in 4 option will allow customers to pay four interest free payments with no fees for late payments. This is in contrast to other Buy Now Pay Later businesses who charge late fees.
This new product is a direct attack on the world’s largest Buy now Pay Later company, Afterpay who is estimated to make over $70 million a year from late fees last year and over $100 million this year. This figure has been rising over the years with more active users and new Buy Now Pay Later players entering the market.
Corporate regulators have not been happy with the fees charged buy the providers with the charges being seen as excessive or unnecessary in some cases. Investigations have shown that one in five people using the service miss one of their payments. Concerns around the target market of the providers are coming to the forefront with many of the younger generation using these payment schemes generally go without essentials to meet payment obligations.
Buy Now Pay Later is big business in Australia with transactions on the platform growing 90 percent over the last couple of years. Transaction numbers are well over 30 million.
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Retail

Telstra ditching live pass for AFL and NFL

Telstra’s free AFL and NRL games for their mobile customers is no longer. Telstra has made the decision to cease streaming of AFL and NRL games and instead, offer discounted access to Foxtel’s Kayo Sports streaming service.
Many Telstra customers will be outraged that they will lose their free access to the AFL and NRL games as part of the plan so Telstra will need to do a convince customers to not vent. The product has been available to Telstra customers since 2014 and many customers will be disappointed that it will be removed.
The change comes as Telstra and Foxtel announced a new partnership where Kayo will take over Telstra’s NRL and AFL apps. This partnership is of no surprise considering Telstra owns a 35 per cent share of Foxtel with News Corp owning the remaining 65 per cent of the venture. To help boost the viewership and in turn, the value of Kayo it makes good business sense for Telstra to promote Kayo.
Telstra who were existing Live Pass customers will now be able to pay $5 a month for NRL or AFL with a Kayo discounted subscription. Those Telstra customers that do not have Live Pass will need to pay $15 a month.
Fortunately for Netball and A-League customers, they will still continue to get their free matches.
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Health

Alcohol Reduction will improve your health

Have you ever wondered what happens to your body with the consumption of alcohol? Australians love a good drink and some of us drink a few a week but some of us go way overboard and get drunk on a regular basis.

Giving up alcohol completely is generally not an option for many people however it has been researched that giving up alcohol does have some significant health benefits. Even if you don’t give it up completely, going dry for a month or so also has benefits.

Trying to convince people to go complete off alcohol is almost impossible and will likely receive backlash however asking them to give it up short term for big health benefits would be more palatable. Health experts want people to view alcohol so that the consumer is in control of what they want rather than alcohol being in control of them.

Drinking guidelines suggest that adults should not drink anymore than 10 standard drinks a week and no more than four drinks a day and survey results suggest that most people follow these guidelines.

Health experts have suggested reducing your alcohol consumption will have the following benefits. The first is an improvement in your quality of sleep with alcohol causing an imbalance in your REM and deep sleep. Reducing alcohol should increase the quality of your sleep as you ween off.

The second benefit is your sex life is likely to be greatly improved as Alcohol affects hormones and chemicals associated with arousal.

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