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"The measure, called AB 701, was approved by the state Assembly earlier in the month and signed into law by Newsom on Sept. 23. The law, which goes into effect on Jan. 1, 2022, bars mega-retailers such as Amazon from firing or retaliating against warehouse workers for missing quotas that interfere with bathroom and rest breaks."

Describes pressure on retailers (primarily the mega retailers) to reduce emissions from shipping efforts. Target/goal is ZERO emissions by 2030.

The supply chain issue has been escalated to where the government is getting involved. Biden is talking with big retailers and looking for solutions as the problem seems to be getting worse and more likel to affect the economy

More than 80 percent of Gen Z and Millenials are using a money transfer app - compared to 50 percent of baby boomers More than 80 percent of respondents have not used a buy-now-pay-later (BNPL) and nearly 75 percent avoid credit card debt generally or entirely MX, Finn AI, Q2 and Rival Technologies' white paper explores the use of financial products and services by baby boomers, millennials, and Gen Z

Yes, don't forget the Retail Trading boom with the increase in investment app usage. The 0% commissions a trade started by RobinHood disrupted major Brokers to compete. Think Or Swim and China's Webull are also big ones.

"This book tells a tale of innovation, disruption, and transformation. Mobile money, e-money, e-float, e-wallets, mobile banking, however you characterise it, is not just a cool app. It s a killer app, the first for mobile phones in the developing world. It s also a disruptive innovation that threatens incumbent businesses and is sparking new business formation and entrepreneurship. Nowhere is this mobile money phenomenon more prevalent and successful than in Kenya. In five years, 19 million Kenyans, more than 70% of the adult population, have signed up for mobile money services. Fifteen million are customers of M-PESA ( M for Mobile and pesa means money in Swahili). Now, one out of every two people in the world who sends money over a mobile phone is a Kenyan. Mobile money is the rare case in which an African country is the global market leader and an exporter of innovation." The author says, "It has been so successful in these markets because it leapfrogged the payment card industry," he said, "which requires expensive ATM and Point of Sale (POS) networks to function. ATMs and POS Terminals require regular maintenance and, with ATMs, regular liquidity balancing. By leveraging third party retail outlets and making the phone the primary means of exchange, mobile money bypassed the need to distribute ATMs and POS Terminals. The reverse is true in the US: mobile money isn't leapfrogging the payment card industry, it's augmenting it."