Disney Streaming > Parks & Mortgage Rates FINALLY Drop
2024/8/8
Morning Brew Daily
N
Neil Freiman
T
Toby Howell
播客主持人，专注于新闻分析和评论
Neil Freiman: 奥运选手赛后喝可乐的习惯，是为了清除体内潜在的污染物，但这种说法缺乏科学依据。可乐中的糖分可以补充运动后消耗的能量，这部分说法是正确的。
Toby Howell: 奥运选手喝可乐主要是因为运动后血糖水平下降，可乐中的糖分可以快速补充能量。
Neil Freiman & Toby Howell: 美国监管机构正在调查几家大型银行对Zelle支付诈骗的处理方式，因为Zelle平台存在大量诈骗行为，消费者维权困难。Zelle平台诈骗问题严重，银行的退款比例下降，消费者损失巨大，引发监管机构关注。消费者金融保护局正在调查Zelle平台的诈骗问题，关注消费者在被骗后缺乏有效法律追索权的问题。立法者正在考虑修改法律，即使是授权交易，如果消费者是被骗，银行也应该承担责任。有人建议将Zelle的退款保护机制与信用卡类似，但这样可能会导致Zelle不再免费。Zelle平台的免费和便捷性使其成为诈骗者的目标，但其普及性也使其难以被取代。
Deep Dive
Zelle, a popular money transfer service, faces scrutiny over fraud and scams. Regulators are investigating major banks for their handling of customer disputes, while customers express concerns about limited recourse for scams. The debate centers on balancing consumer protection with the convenience and cost-effectiveness of the service.
- Zelle's transaction volume exceeds $490 billion annually, surpassing Venmo.
- Banks reimbursed only about 38% of customers reporting unauthorized Zelle transactions in 2023.
- Regulators are investigating whether banks should reimburse customers for scams, even if the customer technically authorized the payment.
- The debate involves balancing consumer protection with maintaining Zelle as a free and easy-to-use service.
Shownotes Transcript