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#ai
Artificial intelligence
fromFortune
21 hours ago

AI's next act: how Salesforce is turning efficiency gains into revenue | Fortune

AI is beginning to show measurable results in cost reduction and revenue impact, but few companies have achieved significant outcomes yet.
fromFast Company
3 days ago
Artificial intelligence

The idea that the internet is built for people is crumbling. That has huge implications for your business

Artificial intelligence
fromFortune
21 hours ago

AI's next act: how Salesforce is turning efficiency gains into revenue | Fortune

AI is beginning to show measurable results in cost reduction and revenue impact, but few companies have achieved significant outcomes yet.
E-Commerce
fromForbes
2 weeks ago

AI Shopping: Why The Universal Commerce Protocol Changes Everything

UCP enables AI agents to manage transactions directly with retailers, eliminating friction in the shopping journey.
Artificial intelligence
fromFast Company
3 days ago

The idea that the internet is built for people is crumbling. That has huge implications for your business

The internet is evolving to accommodate software agents that act on behalf of users, changing how websites are designed and interacted with.
Information security
fromBusiness Matters
2 days ago

Why Trust and Verification Are Critical for Modern Online Platform Businesses

Trust is essential yet fragile in the digital economy, with platforms facing increasing challenges from sophisticated online scams.
Cryptocurrency
fromnews.bitcoin.com
9 hours ago

XRP's Institutional Adoption Among Crypto's Fastest in US Spot ETFs, Ripple Says

XRP ETFs are enhancing institutional engagement by providing regulated access for traditional finance investors.
Data science
fromMarTech
1 day ago

Synthetic research is a promise with a catch | MarTech

Economic pressure for quick research results conflicts with the scientific demand for rigor, leading to potential biases in synthetic data outputs.
#airwallex
Venture
fromTechCrunch
1 day ago

Once close enough for an acquisition, Stripe and Airwallex are now going after each other | TechCrunch

Jack Zhang chose to reject a $1.2 billion acquisition offer from Stripe to continue building Airwallex, which has since grown significantly.
European startups
fromTechCrunch
3 days ago

Airwallex is about to take on Stripe and the rest of the payments industry - in the physical world | TechCrunch

Airwallex is launching a point-of-sale product for in-person payments, enhancing competition with Stripe, Square, and Adyen in the fintech space.
Venture
fromTechCrunch
1 day ago

Once close enough for an acquisition, Stripe and Airwallex are now going after each other | TechCrunch

Jack Zhang chose to reject a $1.2 billion acquisition offer from Stripe to continue building Airwallex, which has since grown significantly.
European startups
fromTechCrunch
3 days ago

Airwallex is about to take on Stripe and the rest of the payments industry - in the physical world | TechCrunch

Airwallex is launching a point-of-sale product for in-person payments, enhancing competition with Stripe, Square, and Adyen in the fintech space.
Startup companies
fromFast Company
1 day ago

Shuttered startups are selling old Slack chats and emails to AI companies

Defunct startups are monetizing their digital data by selling it to AI companies, raising significant privacy concerns.
EU data protection
fromwww.independent.co.uk
1 day ago

What are EU digital identity wallets? The benefits and risks explained

The Independent provides accessible journalism on critical issues like reproductive rights and digital identity, emphasizing the importance of on-the-ground reporting.
fromwww.housingwire.com
1 day ago

Disconnected systems fueling title, wire fraud risks

Disconnected systems, inconsistent definitions of data, and the manual nature of data movement create ongoing challenges in the title industry, according to FundingShield President Adam Chaudhary.
Real estate
Wearables
fromEngadget
1 day ago

Sam Altman's 'human verification' company thinks its eye-scanning orbs could solve ticket scalping

Concert Kit uses World ID to help artists combat ticket scalping by verifying real human buyers.
fromGamesBeat
1 day ago

10 years in gaming: Sportfive shares lessons from its first decade in interactive media

Sportfive's gaming department, which started with just three dedicated employees in 2016, has now expanded to a robust team of 80, highlighting the agency's commitment to the gaming sector.
Marketing
Media industry
fromObserver
1 day ago

Facing A.I. Slop and Shifting Algorithms, Brands Bet on Streamers to Stay Real

MrBeast exemplifies success in the creator economy, leveraging YouTube and livestreams while expanding into various media ventures.
Web frameworks
fromInfoQ
2 days ago

Speed at Scale: Optimizing the Largest CX Platform Out There

Optimizing performance in customer experience platforms involves addressing challenges rather than focusing solely on the latest technologies.
Business
from24/7 Wall St.
2 days ago

Visa vs. Mastercard: This One Is Built to Survive the Next Recession

Visa and Mastercard are diverging in strategy, with Visa focusing on infrastructure and Mastercard emphasizing value-added services.
Web design
fromTheStreet
3 days ago

PayPal turns Canva designs into payment machines

PayPal Payment Links are now integrated in Canva, allowing instant payments from designs without needing a separate e-commerce platform.
Podcast
fromRAIN News
4 days ago

RAIN Notes: April 14

TechSurvey 2026 will reveal insights on radio listening and media trends, while Cathy Csukas is honored as a leading female figure in audio.
Software development
fromInfoWorld
3 days ago

Mastering the dull reality of sexy AI

The gap in enterprise AI lies in building effective systems for retrieval, evaluation, memory, and governance, not just access to models.
Women in technology
fromFortune
3 days ago

Why insurance giant Travelers' CTO is placing fewer, bigger bets on AI | Fortune

Mojgan Lefebvre transitioned from aspiring doctor to technology leader, becoming CTO at Travelers Companies and spearheading AI initiatives.
fromNature
5 days ago

Researchers: here's how to audit your fragmented digital identity

A search for 'Guo Wei' in ORCID returned 616 profiles, none affiliated with the Jiangsu University of Science and Technology, highlighting the difficulty in verifying academic identities.
Higher education
Games
fromTechCrunch
4 days ago

How the rewards app Freecash scammed its way to the top of the app stores | TechCrunch

Freecash misled users by promoting itself as a money-making app while harvesting sensitive data.
E-Commerce
fromForbes
5 days ago

Why The AI Checkout Debate Misses The Real Shift In Retail

AI is reshaping retail by determining visibility and influencing consumer decisions through personalized insights and streamlined processes.
Growth hacking
fromThe Drum
5 days ago

Marketing impact. Facts, with receipts

Only 5-20% of business growth is driven by marketing; key strategies can elevate effectiveness beyond this range.
Cryptocurrency
fromnews.bitcoin.com
4 hours ago

This Week in Crypto Law (Apr. 12, 2026)

This week in crypto law showed a shift from experimentation to integration with federal authority reinforced and traditional finance deepening digital asset involvement.
Marketing tech
fromMarTech
1 day ago

Reclaiming the power of the story - fueled by data and AI | MarTech

Marketing teams can enhance storytelling and authenticity by integrating AI without sacrificing human connection.
Privacy professionals
fromThe Hacker News
2 days ago

Hidden Passenger? How Taboola Routes Logged-In Banking Sessions to Temu

A bank's Taboola pixel redirected users to a Temu tracking endpoint without consent or security controls detecting the violation.
Real estate
fromwww.housingwire.com
2 days ago

75% of homebuyers expect AI in the mortgage process

U.S. buyer confidence in homebuying has decreased, with younger generations seeing AI as a potential solution despite growing distrust in AI systems.
Marketing
fromThedrum
3 days ago

Balancing brand and performance for long-term growth

Enjoy transforms businesses by creating impactful digital experiences through insights and a focus on both short-term and long-term strategies.
Web design
fromMiami Herald
3 days ago

PayPal turns Canva designs into payment machines

PayPal's Payment Links feature is now integrated into Canva, allowing users to turn designs into checkout pages seamlessly.
Media industry
fromNieman Lab
3 days ago

Prediction markets are breaking the news and becoming their own beat

Prediction markets are evolving, becoming integral to news, with partnerships forming between market platforms and major news organizations.
E-Commerce
fromEntrepreneur
5 days ago

Why Price Isn't the Real Reason People Buy Anymore

People prioritize ease, safety, and familiarity over price, with trust and habit influencing buying decisions more than discounts.
Cryptocurrency
fromnews.bitcoin.com
1 day ago

Less Than 1% of Crypto Projects Disclose Market Maker Deals

91% of crypto protocols generate revenue, but less than 1% disclose market maker deals, highlighting transparency issues and risks for investors.
Marketing tech
fromThe Village Voice
3 days ago

Inside Hyperbound's Bet on AI-Native Sales Intelligence - The Village Voice

AI is transforming sales organizations by providing insights and coaching opportunities that traditional tools cannot offer.
#retail-media
Marketing
fromDigiday
5 days ago

Creator content has become critical for retail media networks

Retail media and the creator economy are increasingly interconnected, enhancing advertising effectiveness through data-driven creator partnerships.
Marketing
fromAdExchanger
3 days ago

Hard Truths For Retail Media At The IAB Tech Lab Connected Commerce Summit | AdExchanger

The retail media industry faces challenges requiring strategic choices to avoid irrelevance and unrealistic expectations.
Marketing
fromDigiday
5 days ago

Creator content has become critical for retail media networks

Retail media and the creator economy are increasingly interconnected, enhancing advertising effectiveness through data-driven creator partnerships.
European startups
fromTearsheet
4 days ago

How Wise is betting on infrastructure and brand - Tearsheet

Cross-border payments face inefficiencies; Wise aims to streamline this with direct connections to local payment systems.
Web design
fromThedrum
4 days ago

QR Code Marketing

QR codes have evolved from low adoption rates to widespread use, driven by smartphone accessibility and the COVID-19 pandemic.
#bitcoin
Cryptocurrency
fromnews.bitcoin.com
8 hours ago

Arthur Hayes Warns Bitcoin May Stall Until Liquidity Returns

Bitcoin's price outlook is closely linked to global liquidity rather than interest rates, with potential upside dependent on policy-driven liquidity injections.
Cryptocurrency
fromnews.bitcoin.com
2 days ago

Cryptoquant Data Shows Whale Deposits at Highest Level Since July 2024 Near Bitcoin Key Resistance

Bitcoin is facing significant resistance at $76,800, which has historically capped bear market rebounds.
Cryptocurrency
fromBitcoin Magazine
1 day ago

Strategy (MSTR) Jumps Over 12% As Bitcoin Pumps Past $77k

Bitcoin proxy stock Strategy surged over 12% as Bitcoin price exceeded $77,000 amid volatile crypto markets influenced by geopolitical tensions.
Cryptocurrency
fromnews.bitcoin.com
2 days ago

Public Miners Sell Record Bitcoin as Industry Splits Between Selling and Quality Growth

Public miners sold over 32,000 BTC in Q1 2026, surpassing total sales of 2025 and setting a new industry record.
Cryptocurrency
fromnews.bitcoin.com
8 hours ago

Arthur Hayes Warns Bitcoin May Stall Until Liquidity Returns

Bitcoin's price outlook is closely linked to global liquidity rather than interest rates, with potential upside dependent on policy-driven liquidity injections.
Cryptocurrency
fromnews.bitcoin.com
17 hours ago

Bitcoin CME Options Open Interest Stays Put-Heavy as Price Stalls Around $76,000

Bitcoin futures open interest fell 4.2% to $58.44 billion, indicating institutional hedging amid declining leveraged exposure.
Cryptocurrency
fromnews.bitcoin.com
2 days ago

Cryptoquant Data Shows Whale Deposits at Highest Level Since July 2024 Near Bitcoin Key Resistance

Bitcoin is facing significant resistance at $76,800, which has historically capped bear market rebounds.
Cryptocurrency
fromBitcoin Magazine
1 day ago

Strategy (MSTR) Jumps Over 12% As Bitcoin Pumps Past $77k

Bitcoin proxy stock Strategy surged over 12% as Bitcoin price exceeded $77,000 amid volatile crypto markets influenced by geopolitical tensions.
Cryptocurrency
fromnews.bitcoin.com
2 days ago

Public Miners Sell Record Bitcoin as Industry Splits Between Selling and Quality Growth

Public miners sold over 32,000 BTC in Q1 2026, surpassing total sales of 2025 and setting a new industry record.
#agentic-commerce
fromTearsheet
2 days ago
Artificial intelligence

How American Express is fixing the weak link in agentic commerce - Tearsheet

fromFortune
4 days ago
Artificial intelligence

American Express releases tools to build AI payments-and pledges to pay the price if agents go awry | Fortune

Artificial intelligence
fromTearsheet
2 days ago

How American Express is fixing the weak link in agentic commerce - Tearsheet

Agentic commerce is evolving with AI agents that anticipate user needs, transforming transactions while maintaining user control and trust.
Artificial intelligence
fromFortune
4 days ago

American Express releases tools to build AI payments-and pledges to pay the price if agents go awry | Fortune

Agentic commerce is gaining traction, with American Express introducing a developer kit and purchase protection for AI-driven transactions.
E-Commerce
from24/7 Wall St.
1 week ago

2 Stocks I'd Add to the Shopping Cart for the Agentic Commerce Revolution

AI shopping has the potential to revolutionize e-commerce by enhancing transaction ease and price comparison.
Marketing tech
fromTechCrunch
2 days ago

AI traffic to US retailers rose 393% in Q1, and it's boosting their revenue too | TechCrunch

AI traffic to U.S. retailers' websites surged by 269% in March, with AI visitors converting better and driving higher revenue per visit.
Cryptocurrency
fromnews.bitcoin.com
1 day ago

Tempo Launches Private Stablecoin Zones for Enterprise Payroll and Treasury Settlements

Tempo launched Zones, a private execution environment for stablecoin transactions, ensuring transaction-level privacy for enterprises.
Marketing tech
fromExchangewire
2 days ago

The Stack: Advertising's Next Phase - ExchangeWire.com

Advertising, streaming, and regulation are converging as platforms focus on monetization amid increasing scrutiny and evolving industry standards.
Artificial intelligence
fromTechRepublic
1 day ago

AI Upgrades, Security Breaches, and Industry Shifts Define This Week in Tech - TechRepublic

AI innovation and security threats are reshaping technology and corporate strategies across various platforms and applications.
Cryptocurrency
fromnews.bitcoin.com
1 day ago

Bitcoin, Ether Lead Sustained Gains for Crypto ETFs

Crypto ETFs experienced significant inflows, with Bitcoin and Ether leading the recovery, while XRP and Solana also showed strong gains.
Marketing tech
fromAmazon Web Services
1 day ago

From hours to minutes: How Agentic AI gave marketers time back for what matters | Amazon Web Services

AWS Marketing's TAA team developed an AI solution that drastically reduces webpage assembly time, enhancing efficiency and content quality for marketing teams.
E-Commerce
fromFast Company
2 weeks ago

Visa says AI could start making purchases for you. Not everyone wants that, but here's how close we are

AI is influencing consumer purchases and acting on behalf of shoppers in commerce.
Cryptocurrency
fromnews.bitcoin.com
19 hours ago

Circle Launches USDC Bridge for Native Cross-Chain Transfers Across EVM Networks

Circle launched the USDC Bridge, enabling direct cross-chain USDC transfers without third-party involvement.
Artificial intelligence
fromnews.bitcoin.com
2 days ago

The Translation Layer: Why AI Is Necessary to Scale Decentralized Finance

AI agents in decentralized finance automate tasks, enhancing user interaction with smart contracts and reducing reliance on centralized intermediaries.
Cryptocurrency
fromnews.bitcoin.com
11 hours ago

Morgan Stanley's MSBT Bitcoin ETF Wallets Now Publicly Trackable via Arkham

Arkham Intelligence publicly labeled wallets backing Morgan Stanley's bitcoin ETF, allowing real-time tracking of its BTC holdings.
Marketing tech
fromAdExchanger
2 days ago

The OpenAI Pixel Has Landed; Amazon's Credit Card Ban Triggers An Ad Boycott | AdExchanger

OpenAI is developing ad infrastructure, but the effectiveness of AI search for advertisers remains uncertain due to varying commercial intent in queries.
Cryptocurrency
fromFortune
1 day ago

Meet the crypto guru to the Fortune 500 | Fortune

CFOs are hesitant to adopt blockchain despite its existing infrastructure and Fortune 500 companies experimenting with it.
Marketing tech
fromeLearning Industry
1 day ago

How To Build A Marketing Technology (MarTech) Stack: Crafting A Digital Arsenal For Future Growth

A well-structured MarTech stack is essential for business growth and effective demand generation.
Artificial intelligence
fromMarTech
3 days ago

3 AI shifts reshaping market research | MarTech

AI is transforming market research by evolving from a tool for tasks to a collaborative research environment that enhances data-driven insights.
Marketing tech
fromExchangewire
2 days ago

Speed, Data, and the Great Consolidation: What's Powering MENA's Quick Commerce?

Quick commerce in MENA has rapidly evolved into a necessity, driven by high smartphone usage and cashless payment adoption.
Cryptocurrency
fromnews.bitcoin.com
1 day ago

Chainalysis Details 'Shadow Crypto Economy' Exposure as Grinex Suspends Operations

Grinex's shutdown reveals crypto laundering tactics that evade typical enforcement actions, raising concerns about illicit fund movements.
Marketing tech
fromThe Cool Down
5 days ago

AI chatbots are subtly trying to make you buy more stuff - here's how to protect yourself

AI can influence consumer purchasing decisions without their awareness, often through subtle persuasion methods.
#cryptocurrency
Cryptocurrency
from24/7 Wall St.
1 day ago

Strive Soars 12%, Bitmine Jumps 5% as Bitcoin and Ethereum's Surge Lifts the Crypto Proxy Trade

Strive and Bitmine stocks rise sharply due to a crypto rally, driven by significant gains in Bitcoin and Ethereum prices.
Cryptocurrency
fromnews.bitcoin.com
2 days ago

Grayscale Predicts Elon Musk's X Could Use Crypto to Power Next Wave of Financial Ecosystems

Grayscale forecasts crypto will drive the next evolution of consumer finance, with X leveraging smart cashtags for deeper integration.
Cryptocurrency
fromnews.bitcoin.com
3 days ago

Heleket Crypto Payment Processing Platform Brings Low-Fee Transactions to Online Business

Cryptocurrency payment systems like Heleket offer lower fees and faster transactions compared to traditional payment methods.
Cryptocurrency
fromFortune
4 days ago

Bitcoin, Ethereum approach two-month highs as markets grow optimistic over U.S.-Iran peace negotiations | Fortune

Crypto markets are optimistic about peace between the U.S. and Iran, driving Bitcoin and Ethereum prices higher.
Cryptocurrency
fromBitcoin Magazine
1 week ago

Demand For Crypto Pay Surges, But Payroll Systems Fall Behind: Research

A significant portion of workers are interested in receiving part of their pay in cryptocurrency, despite limited employer offerings.
Cryptocurrency
from24/7 Wall St.
1 day ago

Strive Soars 12%, Bitmine Jumps 5% as Bitcoin and Ethereum's Surge Lifts the Crypto Proxy Trade

Strive and Bitmine stocks rise sharply due to a crypto rally, driven by significant gains in Bitcoin and Ethereum prices.
Cryptocurrency
fromnews.bitcoin.com
2 days ago

Grayscale Predicts Elon Musk's X Could Use Crypto to Power Next Wave of Financial Ecosystems

Grayscale forecasts crypto will drive the next evolution of consumer finance, with X leveraging smart cashtags for deeper integration.
Cryptocurrency
fromnews.bitcoin.com
3 days ago

Heleket Crypto Payment Processing Platform Brings Low-Fee Transactions to Online Business

Cryptocurrency payment systems like Heleket offer lower fees and faster transactions compared to traditional payment methods.
Cryptocurrency
fromFortune
4 days ago

Bitcoin, Ethereum approach two-month highs as markets grow optimistic over U.S.-Iran peace negotiations | Fortune

Crypto markets are optimistic about peace between the U.S. and Iran, driving Bitcoin and Ethereum prices higher.
Cryptocurrency
fromBitcoin Magazine
1 week ago

Demand For Crypto Pay Surges, But Payroll Systems Fall Behind: Research

A significant portion of workers are interested in receiving part of their pay in cryptocurrency, despite limited employer offerings.
Marketing tech
fromAdExchanger
4 days ago

Betterment's 'AntiMarketing' Machine | AdExchanger

Betterment's marketing strategy focuses on long-term investment and customer retention rather than short-term trading engagement.
Cryptocurrency
from24/7 Wall St.
1 day ago

Strategy Climbs 6% as Bitcoin Surges: 762,000 Coins and a Mountain of Debt Keep Investors Divided

MSTR stock rises 6% as Bitcoin hits a two-month high, reflecting its strong correlation with Bitcoin prices.
#kraken
Cryptocurrency
fromBitcoin Magazine
1 day ago

Kraken Owner Payward To Acquire Bitnomial For $550M, Securing Full CFTC-Licensed U.S. Crypto Derivatives Stack

Payward is acquiring Bitnomial for up to $550 million to enhance its U.S. crypto derivatives capabilities.
Cryptocurrency
fromnews.bitcoin.com
1 day ago

Kraken Parent Payward Enters $550M Deal to Acquire Bitnomial, Accelerating Regulated US Crypto Derivatives Push

Payward is acquiring Bitnomial to enhance Kraken's position in U.S. crypto derivatives with a fully licensed platform.
Cryptocurrency
fromBitcoin Magazine
1 day ago

Kraken Owner Payward To Acquire Bitnomial For $550M, Securing Full CFTC-Licensed U.S. Crypto Derivatives Stack

Payward is acquiring Bitnomial for up to $550 million to enhance its U.S. crypto derivatives capabilities.
Cryptocurrency
fromnews.bitcoin.com
1 day ago

Kraken Parent Payward Enters $550M Deal to Acquire Bitnomial, Accelerating Regulated US Crypto Derivatives Push

Payward is acquiring Bitnomial to enhance Kraken's position in U.S. crypto derivatives with a fully licensed platform.
Cryptocurrency
fromnews.bitcoin.com
1 day ago

TRON Integrates deBridge MCP, Unlocking Seamless Cross-Chain Execution for AI Agents

TRON DAO integrates deBridge's Model Context Protocol for seamless cross-chain execution, enhancing developer access to liquidity and transaction management across multiple blockchains.
fromEntrepreneur
1 month ago

Why the Payments Industry Is Being Rebuilt From the Inside

The problem was not growth or demand or even competition. It was settlement. Payments took days to clear. Reconciliation took weeks. Cash piled up in the wrong places. Finance teams spent their time explaining why the numbers did not match instead of planning what came next.
Miscellaneous
Cryptocurrency
fromnews.bitcoin.com
2 days ago

Crossmint's Lobster.cash Integrates Mastercard Agent Pay for Agentic Commerce

Lobster.cash and Mastercard enable Openclaw's AI agents to charge purchases to Mastercard cards with user approval through a secure framework.
Cryptocurrency
fromnews.bitcoin.com
3 days ago

Binance Chat Launches as Part of Broader Super App Push Into Everyday Finance

Binance introduced in-app chat to integrate communication and crypto transfers, enhancing its platform as a comprehensive financial hub.
fromZacks
2 months ago

Pardon Our Interruption

As you were browsing something about your browser made us think you were a bot. There are a few reasons this might happen: You've disabled JavaScript in your web browser. You're a power user moving through this website with super-human speed. You've disabled cookies in your web browser. A third-party browser plugin, such as Ghostery or NoScript, is preventing JavaScript from running. Additional information is available in this support article.
Cryptocurrency
fromnews.bitcoin.com
4 days ago

X Launches Interactive Cashtags With Real-Time Stock and Crypto Data for US and Canada iPhone Users

X launched interactive Cashtags for iPhone users, providing real-time stock and crypto data, with plans for broader rollout and trading integration.
Cryptocurrency
fromBitcoin Magazine
4 days ago

Back-To-Back Billion-Dollar Days: Strategy's STRC ATM Clears $2.7B In 48 Hours

Strategy's STRC ATM achieved over $2.7 billion in volume this week, absorbing nearly 30,000 BTC in just two trading sessions.
Cryptocurrency
fromnews.bitcoin.com
4 days ago

Tether Launches Consumer Wallet App With Human-Readable Addresses and No Gas Tokens

Tether launched tether.wallet, a self-custodial digital wallet, on April 14, 2026, for 570 million users to access USDT, XAUT, and bitcoin.
fromBitcoin Magazine
5 days ago

Strategy's STRC ATM Just Did $1 Billion In A Single Day - And The Machine Is Only Accelerating

April 13, 2026 marked a milestone that even the most aggressive STRC bulls didn't see coming this fast. Strategy's Variable Rate Series A Perpetual Stretch Preferred Stock - ticker STRC - just printed over $1 billion in single-day trading volume. Not over a week. Not a rolling average. One session.
Cryptocurrency
from24/7 Wall St.
5 days ago

I've Always Paid with a Debit Card, But Is a Credit Card Better?

Using a credit card can help build better credit, earn rewards like frequent flyer miles, and take advantage of other benefits that debit cards do not offer.
Cryptocurrency
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