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2018-06-24T03:10:53.298Z
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BI Intelligence

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Generation Z, also known as iGen or Centennials, is arguably the most pivotal generation to the future of retail. By 2026, the majority of Gen Zers will reach adulthood, and their spending power will reach new heights. Retailers and brands need to start establishing relationships with Gen Zers now to ensure success in the years to come. 

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Cristiano Ronaldo is the most famous athlete on the planet.

With a Real Madrid salary in the tens of millions and some of the biggest endorsement deals in football, he has a ludicrous amount of cash to burn — according to Forbes, he was the third highest-paid athlete in the world in 2018, behind only Floyd Mayweather and fellow superstar Lionel Messi.

Find out how he earns his money and what he spends all that cash on below.

Tony Manfred and Melissa Stranger originally contributed to this slideshow.

Ronaldo earned $108 million (£81.5 million) in the last 12 months, according to Forbes, making him one of the highest-paid sports stars in the world. Getty Images

Source: Forbes



Almost half of that income ($47 million, £35.5 million) was from endorsement deals with companies like Tag Heuer, Herbalife, and Nike. cristiano / Instagram

Ronaldo's new deal with Nike will reportedly pay him over £19 million per year for the rest of his life. At that rate, the deal will reach £800 million ($1 billion) in total value when Ronaldo is 73 years old. cristiano / Instagram

Source: Forbes




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BII

The smartphone is an essential part of our everyday lives.

But as with all technology, things change. So the question becomes: What will be the next smartphone?

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BI Intelligence

This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here.

Mortgages are valuable for retail banks, but they're also complex products. In the UK alone, mortgages account for almost 60% of retail banks' profits. But mortgage lending can be a complicated process — it involves estate agents, appraisers, and conveyance agents.

This complexity has resulted in major consumer pain points, like a lack of understanding of mortgages, inconvenient access channels, and difficulty switching providers. In an increasingly digital landscape, tech-savvy consumers are starting to demand simpler ways to take out mortgages, and legacy providers are suffering. In the US, the top three incumbent lenders together captured about 45% of the overall mortgage market in 2011; they hold just 24% in 2017.

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Associated Press/David J. Phillips

  • Hundreds of demonstrators rallied in McAllen, Texas, on Saturday to protest the Trump administration's recently halted practice of separating immigrant families at the US-Mexico border.
  • Some 2,300 children were taken from their parents since May under the Trump administration's "zero-tolerance" policy.
  • Democratic lawmakers said they aren't convinced that the government has any real plans to reunite the families.

MCALLEN, Texas (AP) — Demonstrators led rallies and protests on Saturday to decry the separation of immigrant parents from their children by US border authorities, while Democratic lawmakers said they aren't convinced the Trump administration has any real plan to reunite them.

Hundreds of people rallied near a Homestead, Florida, facility where immigrant children are being held. Demonstrators also marched in San Diego carrying signs reading "Free the Kids" and "Keep Families Together."

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BII

The media landscape is almost shifting more quickly than consumers can keep up.

But certain trends have emerged that will carry the media industry into the future.

For the past eight years, IGNITION, Business Insider’s flagship conference, has collected the best minds in media and technology to share what they see as the future. Through unscripted interviews, cutting-edge demos, and insights from industry pioneers, attendees learn what key trends to be aware of and what they need to do to stay ahead.

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BII

This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here.

European and North American countries with advanced economies often serve as bellwethers for the payments industry when it comes to introducing new and disruptive technologies.

However, some of the greatest examples of digital payments disruption can be found in developing nations. In some cases, these countries not only adopt certain aspects of a digital payments ecosystem faster, but they also do so with more efficiency than their Western counterparts.

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Alexander Hassenstein/Getty Images

Germany breathed life into their 2018 World Cup campaign with a stoppage-time stunner from Toni Kroos to keep the team's hope of repeating as champions alive.

With Germany's win, Group F has fallen into chaos, with all four teams still alive heading into the final matchday of the group stage. Despite Mexico being the only undefeated remaining in the group, El Tri still has not yet punched its ticket yet to the knockout round.

Meanwhile, even South Korea, who have yet to steal a single point in the group, still isn't technically eliminated from the tournament. With just two matches remaining, the scenarios within Group F are still quite confounding — we did our best to break them down for you below.

Here is how each of the teams can advance to the knockout round:

Chances of advancing based on FiveThirtyEight's SPI ratings.

Germany Alexander Hassenstein/Getty Images

Chances to advance: 87% Scenarios to advance: Germany advances if they beat South Korea and Mexico defeats or draws with Sweden Germany advances if they draw with South Korea and Mexico defeats Sweden If Germany and Sweden both win, they would both be in a 3-way tie with Mexico. The team to advance would be determined on tiebreakers (goal differential, goals scored, discipline). Mexico currently holds a 2-goal advantage on goal differential, and Germany and Sweden are tied on goal differential and goals scored. If Germany and Sweden both...

Cisco

  • Cisco announced its intent to acquire July Systems, a startup that uses wifi to gather insights about visitor behavior in physical spaces like malls, stadiums and airports. 
  • Cisco, which already partnered with July Systems, plans to scale the startup's technology and apply it to new physical spaces such as hospitals and government buildings. 
  • It's unclear how much Cisco will pay for July Systems. But the Sequoia and Intel Capital-backed start up was last valued at $45 million in a 2012 funding round.

July SystemsCisco plans to acquire July Systems, a startup that uses wifi to gather data about visitor behavior in physical spaces like airports and malls for enhanced customer insights and visitor engagement programs. 

In an announcement Tuesday, Cisco Vice President Rob Salvagno described the acquisition as part of the company's "journey to intent-based networking —a fundamentally new way of building and managing networks for the digital era."

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Panacea

  • We're often led to believe that the more products you slap on your face, the more effective they'll be. 
  • Skin care brand Panacea supports the opposite: with only a few products — a cleanser ($22), moisturizer ($46), and sunscreen ($38) — you can have soft, hydrated, and protected skin. 
  • It focuses on the contents, rather than the quantity of the skin care products, and uses cruelty-, paraben-, and sulfate-free ingredients to achieve natural, healthy results. 
  • The simple, gender-neutral products streamline your daily skin care routine so you focus on the day ahead of you. 

Starting your day with purpose and intention is easier when you have fewer things trying to capture your attention all at once. This philosophy of simplicity drives decluttering guru Marie Kondo's organization empire, the morning routines of founders and executives, and clothing brands that, for once, are okay with customers buying just a few of their pieces, because those pieces are all they need.  

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Blockchain isn't just for bankers anymore. Most of the buzz around the distributed ledger has focused on its uses in finance, where it originated. But one of the most promising blockchain trends is its growing disruptive presence in the Internet of Things (IoT).

Companies are pioneering innovative new solutions that use blockchain for tasks like tracking goods as they move and change hands in the supply chain, monitoring the location and condition of assets like industrial machinery at remote work sites, or storing medical data, and they are transforming the IoT

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The healthcare industry is facing disruption due to accelerating technological innovation and growing demand for improved delivery of healthcare and lower costs. Tech startups are leading the way by seizing opportunities in the areas of the industry that are most vulnerable to disruption, including genomics, pharmaceuticals, administration, clinical operations, and insurance.

Venture funds and businesses are taking notice of these startups' potential. In the US, digital health funding reached $1.6 billion in Q1 2018, according to Rock Health — the largest first quarter on record, surpassing the $1.4 billion in venture funding seen in Q1 2016. These high-potential startups provide a glimpse into the future of the healthcare space and demonstrate how we’ll get there.

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  • The acting director of the Office of Government Ethics said some of President Donald Trump's business deals "raise serious concerns," but the agency doesn't have the authority to investigate.
  • Congressional Democrats are concerned about an Indonesian real estate development with Trump-brand properties receiving $500 million in loans for from the Chinese government.
  • The ethics office's response says the Constitution's Emoluments Clause, which prohibits any person holding office cannot accept a gift from a foreign power without congressional consent, does not fall under the office's authority. 

The acting director of the Office of Government Ethics said some of President Donald Trump's business deals "raise serious concerns," but the agency lacks the authority to investigate, The Washington Post reported.

In a letter responding to congressional Democrats who had requested an ethics investigation, David Apol, who heads the ethics office, said he agreed Trump's dealings were concerning. But he said the president is exempt from the conflict-of-interest laws that govern other federal employees' business deals.  

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Alexander Hassenstein/Getty Images

  • Germany scored in the final minute of stoppage time to breathe life into the team's campaign to repeat as World Cup champions.
  • The goal came despite Germany playing with just ten men and facing a Swedish side that showed no interest in manufacturing any offensive attack beyond a counter.
  • With the win, Germany remains in control of its destiny to escape the group stage of the tournament.


Germany scored a last-minute, stoppage-time goal against Sweden to save their World Cup hopes on Saturday.

Despite dominating with 71% possession and control of the entire match, the reigning World Cup champions found themselves stifled by a stubborn Swedish team, who chose to play the majority of the game with 11 players behind the ball.

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Andrew Harnik/AP

  • Basic income functions differently for different people — for some it's fuel for cultural development, for others it's a food subsidy or an educational grant, and for others it's a small-business booster.
  • About 4,000 people in Ontario, Canada are getting monthly stipends to boost them to at least 75% of the poverty line.
  • The three-year trial funded by the provincial government is one of the world's biggest tests of a guaranteed basic income.
  • Although it serves as an example for the US, skeptics say this it wouldn't work in the US.
  • Canada does much more to strengthen its safety net and reduce inequality, such as providing universal health care and funding schools by province level.

Fresh produce

Dana Bowman, 56, expresses gratitude for fresh produce at least 10 times in the hour and a half we're having coffee on a frigid spring day in Lindsay, Ontario. Over the many years she scraped by on government disability payments, she tended to stick to frozen vegetables. She'd also save by visiting a food bank or buying marked-down items near or past their sell-by date.

But since December, Bowman has felt secure enough to buy fresh fruit and vegetables. She's freer, she says, to "do what nanas do" for her grandchildren, like having all four of them over for turkey on Easter. Now that she can afford the transportation, she might start taking classes in social work in a nearby city. She feels happier...

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Fuego

  • Summer has arrived, and so too has the time to cook over an open flame.
  • We’re talking, of course, about grilling, and if you’re looking for an efficient way to get your prehistoric (wo)man on, look no further than the Fuego grill.
  • This beautifully designed grill can not only be set up in a jiffy, but will also heat up to 500 degrees Fahrenheit in the blink of an eye (or rather, in five minutes).
  • For $299, this is an excellent investment to make if you’re planning on doing a lot of outdoor cooking this summer, or any other season.

There are few things that scream summer in quite the same way as a screaming hot grill. The problem, of course, is that with most grills, you have to wait quite some time in order to reach the temperatures needed to channel your inner prehistoric (wo)man. But that is by no means the case with the Fuego Element F21C.

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Hannah Mckay/Reuters

  • Germany beat Sweden, 2-1, in the second round of group play at the World Cup with a gorgeous free-kick goal in the final minute of stoppage time.
  • The match had huge implications as a win by Sweden would have secured their spot in the knockout stage and eliminated the defending World Cup champions.
  • Sweden was robbed of an excellent opportunity to win or draw the match when the referee missed a blatant foul in the penalty area early in the first half.
  • Despite the use of VAR at the World Cup, the play was never reviewed.


Germany beat Sweden, 2-1, in a crucial Group F match at the World Cup on Saturday and a missed call may have cost Sweden a huge shot to upset or draw with the defending champs and secure a place in the knockout stage.

In the 12th minute of the match, the referee appeared to miss an obvious foul on Germany in the penalty box. Despite the use of the Video Assistant Referee system (VAR), the play was not reviewed, and Sweden was not awarded a penalty kick.

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BI Intelligence

This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here.

The downfall of US brick-and-mortar commerce is overblown — despite sharp gains in e-commerce, which will nearly double between now and 2021, the lion’s share of purchasing continues to take place in-store. And that’s unlikely to change anytime soon, since the online environment can’t yet compensate for the reasons customers like brick-and-mortar shopping.

That means the point-of-sale (POS) terminal, which merchants use to accept payments of all types and to complete transactions, isn’t going anywhere. But that doesn’t mean it’s not changing. As merchants look to cut costs amidst shifts in consumer shopping habits, POS terminals, which were once predominantly hardware offerings used exclusively for payment acceptance, are evolving into full-service, comprehensive solutions. These new POS terminals are providing an array of business management solutions and connected offerings to complement payment services. 

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