• At a Thursday White House event, President Donald Trump said that he had a "very busy day" after posting over 90 tweets and retweets on his Twitter account throughout Thursday morning. 
• By Insider's count, Trump posted 95 tweets or retweets on his personal account before noon.
• "I had very busy time and a very busy day, but my daughter said, 'You will be here', so that was the end of that busy day, when a daughter says you have to be here," Trump said at Thursday's White House Summit on Child Care and Paid Leave.
• The summit, which began at 11:15 A.M., was Trump's first event of the day listed on his public schedule.
• Visit Business Insider's homepage for more stories.

At a Thursday White House event, President Donald Trump said that he had a "very busy day" after posting over 90 tweets and retweets on his Twitter account throughout Thursday morning. 

As the House prepares to impeach Trump on charges of abusing his office and obstructing Congress, Trump has gone on a multi-day retweet spree, flooding the Internet with clips of Republican members of Congress and op-eds from conservative pundits defending him. 

By Insider's count, Trump had posted 95 tweets or retweets on his personal account by noon Thursday. On Wednesday, Trump similarly tweeted over 60 times in three hours to rag on the impeachment inquiry and the FBI. 

"I had very busy time and a very busy day, but my daughter said, 'You will be here', so that was the end of that busy day, when a daughter says you have to be here," Trump said at the beginning of Thursday's White House Summit on Child Care and Paid Leave.

The summit, which began at 11:15 A.M., was Trump's first event of the day listed on his public schedule. Later, Trump is scheduled to receive an intelligence briefing and attend this year's Congressional Ball with First Lady Melania Trump. 

Trump was referring to his eldest daughter Ivanka, an unpaid White House advisor and mother of three with husband Jared Kushner, has taken up a push for child care and paid family leave as a major component of her policy portfolio. 

On Wednesday, the House passed a bipartisan defense authorization package that both secured one of Trump's top policy priorities by creating a Space Force and, for the first time, extended 12 weeks of paid parental leave to federal government employees. 

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• Goldman Sachs will adopt a more open floor plan, Business Insider's Dakin Campbell reported.
• While well-intentioned, science suggests a move toward open offices will leave employees stressed and unproductive.
• Employees will get more distracted, leading to more time wasted. They will also get sick more and might dampen enthusiasm for work.
• Visit Business Insider's homepage for more stories.

Goldman Sachs is ditching stuffy cubicles for an open floor plan — for better or worse.

Goldman Sachs CEO David Solomon told New York employees that executives like himself will adopt open offices instead of ones walled with glass, Business Insider's Dakin Campbell reported. Solomon said the move would allow executives greater ability to interact directly with workers.

While the move is one of many modern culture changes Solomon ushered in, open floor plans might lead his workers to resent him.

Years worth of scientific research suggests an open floor plan leaves workers stressed, burned out, dissatisfied, and overall worse at their jobs.

Here's why.

SEE ALSO: Goldman Sachs CEO David Solomon and his management team are ditching their stuffy offices and moving to an open floor plan closer to the people so they can feel the buzz of New York headquarters

The open office will make you less satisfied with your work, research finds.

Back in 2002, a study in the journal Environment and Behavior tracked employees in a Canadian energy company as they transferred from a traditional office to the open plan. As Julie Beck reports for the Atlantic, the results were grim: people reported that they felt worse about their work environment, their co-worker relationships, their performance, and their satisfaction with work after moving into the open office.

The open office takes away your privacy.

If you don't have what a psychologist calls "architectural privacy," or the ability to shut your door to the office, then you won't have "psychological privacy," the ability to control whether you're accessible to the group.

Psychological privacy, Beck says, leads to higher performance and satisfaction. The lack of privacy also means you'll be treated to a constant buzz of background noise. While the bustle of a coffee shop has been found to increase creativity, Scientific American reports that background noise disrupts concentration, impairs memory, and aggravates stress-related illness like migraines or ulcers. 

Open offices lead to more physiological stress.

Why do coffee shops aid productivity and open offices hinder it? There's a scientific answer.

UC Berkeley cognitive neuroscientist and workplace productivity consultant Sahar Yousef said human beings are "tribal," meaning they tend to form emotional relationships with their social group.

In an open office, people constantly interact with coworkers with whom they have emotional connections to, Yousef said. Psychologically, humans can become more engaged with the "tribe" around them instead of work tasks.

In a coffee shop, however, humans don't have an emotional connection with anyone around them, meaning they can focus better on work.

"The human brain isn't designed to be in a massive open space," Yousef said. "You're physiologically more stressed out. It's like trying to get work done at a daycare center."

The open office can cheapen your conversations.

Conversations do happen more frequently in open offices. But they're usually "short and superficial," Time reports, "precisely because there are so many other ears around to listen." 

Plus, open offices can cause tension between people sitting near each other. Talking loudly on the phone — a common practice among bankers taking calls from clients — annoys everyone within earshot, says Lynn Taylor, a national workplace expert and the author of "Tame Your Terrible Office Tyrant: How to Manage Childish Boss Behavior and Thrive in Your Job."

"Many employees need quiet time built into their day, and without it, their productivity can suffer," Taylor told Business Insider's Jacquelyn Smith. "Someone handling complex data, financials, or writing an in-depth strategic document is often best served to find a private conference room for those tasks, assuming the employer has built that into the space."

The open office especially aggravates introverts.

Introverts need privacy the most. 

Research suggests that background noise distracts them more than extroverts. Hans Eysneck, a psychologist who did formative work in the study of intelligence and personality, once remarked that solitude leads to people being more creative, since when you're all by your lonesome, you're "concentrating the mind on the tasks in hand, and preventing the dissipation of energy on social and sexual matters unrelated to work."

But where is the introvert to go in the open office? Into a nice set of headphones, for one.

The open office can make you feel exhausted.

Switching between your work and helping coworkers surrounding you — the "spontaneous collaboration" open offices were designed to foster — actually makes you worse at your job. 

This is because it takes a huge amount of mental effort to switch between helping your buddy and reacquainting yourself will the complexities of the task at hand. It takes time for the brain to focus on one task, so the body exerts extra energy constantly switching between two jobs. The time wasted in switching between tasks is called a "switch cost," neuroscientist Yousef said.

In effect, always being available to your colleagues means that you're always on the verge of being distracted. As the Wall Street Journal reports, it takes 27 minutes to get back into the flow of a task once you finally get a chance to resume it. 

The open office exposes you to other people's germs.

Stockholm University researchers found that people who work in open offices were more likely to take sick leave than folks who worked in private offices, since working so close to your colleague may increase the spread of infection. 

The open office tends to bake you beneath fluorescent lights.

Many open offices have a sea of desks arranged in the interior of the building, away from windows.

This is terrible for many reasons: people exposed to natural light are more alert than their fluorescent-lit peers. Another study shows that people who work without windows get 47 fewer minutes of sleep a night than those who sit next to windows.

The artificially lit workers also get worse sleep overall — and if you get crappy sleep all the time, you'll get sick more often, get mad more easily, and remember less. 

• Doctors advise that ultimately the best time to announce your pregnancy is when it feels right to you.
• Sharing your news early on can be a downside if you're not the type of person who likes to share your personal life all that often. Because your chance of miscarrying is higher in the first several weeks after conception than any other time in your pregnancy.
• On the other hand, if you decide to announce early and do miscarry, this can help you pool much-needed support from friends and family.
• Whether you've announced by 12 weeks, or not, it's a good time to remind everyone after that 12-week ultrasound. That's when your fetus starts to look like a baby and you can fit the whole fetus in a single image on ultrasound. Picture-perfect for sharing. 
• This article was reviewed by Julia Simon, MD, who is an assistant professor with the Department of Obstetrics and Gynecology at UChicago Medicine.
• Visit Insider's homepage for more stories.

Any parent will tell you that you make a seemingly countless number of decisions every day to ensure the safety, comfort, and well-being of your little one.  But one of the very first important decisions you ever make as a parent-to-be is when to announce you're pregnant in the first place.  

We can all agree that the right time is ultimately what feels best for each parent. However, there are a number of considerations to think about so that when the time finally comes, you can announce your pregnancy with confidence.

Announcing right after you see that positive pregnancy test

Some women just can't wait and announce very early – sometimes even right after they get a blood or urine test confirmed from their doctor. 

One thing to consider is that your chance of miscarrying is higher in the first several weeks after conception than at any other time in your pregnancy.

Sharing your news early on can be a downside if you're not the type of person who likes to share your personal life all that often as it is. On the other hand, if you decide to announce early and do miscarry, this can help you pool much-needed support from friends and family.

Announcing your pregnancy at 6 weeks

At 6 weeks you'll get a confirmation ultrasound that shows, "a fetus with a heartbeat," says Dr. Renee Wallenstein, DO, who is a double board-certified OB-GYN. 

You may also want to share within the first 6 weeks if you work where there may be physical or occupational hazards— like work with harmful chemicals in a lab — you need to adjust for during your pregnancy. 

Or certainly, if you are "feeling really sick or having early complications which cause them to miss work or social engagements," says Dr. Leena Nathan, MD, an OB-GYN for UCLA Health.

Plus, sharing earlier can also be wonderful for parents who find it helpful to have supportive people around during pregnancy. 

Announcing your pregnancy at 12 weeks

After the first trimester, at the end of week 12, your risk of miscarriage drops dramatically. That's also when "another ultrasound confirms that the fetus is growing well and that there is no [visual] evidence of genetic issues," says Nathan.

Even if you've chosen to announce earlier, this is a good time to remind everyone because the 12-week ultrasound is when your fetus starts to "look like a baby and is the ideal photographic time when you can fit the whole fetus in a single image on ultrasound," says Wallenstein. Picture-perfect for sharing. 

Wellenstein adds, "if an expectant mother is undergoing additional genetic screening, that happens around nine to 11 weeks, it makes sense to wait until then."  

Announcing your pregnancy after 12 weeks 

"Sometimes women have a higher risk pregnancy which can predispose to complications throughout the pregnancy," says Nathan. Some factors that might cause a higher risk pregnancy include:

• A history of miscarriage. Your chances of having a miscarriage are greater if you've had a previous miscarriage. Wellenstein says that some women "may even wait longer, up until 20 weeks after the full anatomy ultrasound, for fear of it happening again." And the emotional impact of sharing the news can be sweeter knowing that things are looking good that far along.
• You're carrying multiples. Women who carry twins or triplets have higher miscarriage risk early on and higher risk of pregnancy complications later on.
• Certain health conditions. If you have high blood pressure, diabetes, are significantly overweight, or have an existing medical condition, you are at increased risk of complications throughout pregnancy.  
• You're older than 35. Doctors call this advanced maternal age, and it increases both miscarriage risk and risk of complications during each trimester.
• You're using fertility assistance, such as IVF. Fertility challenges arise for many reasons, but often there is more than one thing going on. Advanced age, previous miscarriage(s), along with medical issues. "The risk of multiples is greater and the risk of loss can be greater, too," says Wellenstein. 
• If you work for a company. Pregnancy discrimination is real, which is why some professional women may feel it's personally wiser to wait until they start showing, at around 20 weeks — or potentially sooner if it's your first pregnancy.

Taking all these factors into consideration, doctors advise that ultimately the best time to announce is when it feels right to you.

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• Cisco, the networking gear maker, announced Wednesday that it will now also sell chip processors to customers like Facebook or Microsoft. 
• CEO Chuck Robbins tells Business Insider that Cisco has embraced a more flexible strategy based on the different and evolving needs of customers in the cloud, which caused a disruption by allowing businesses to set up their networks on web-based platforms.
• It signals a new focus on serving so-called web-scalers — mega-companies like Facebook that have long built their own IT hardware, rather than rely on vendors like Cisco.
• Robbins told Business Insider: "From the day I took over, I declared that we were going to sell our technology to our customers in whatever way they wanted to consume it. A big piece of feedback that we got when I started re-engaging is, 'You guys need to do business with us the way we need you to do business with us, not the way you've done it for 25 years."
• Click here for more BI Prime stories.

Cisco on Wednesday unwrapped a host of new products, including something that seems odd coming from a company best known for networking gear like routers and switches: processors, of the kind most associated with companies like Broadcom and Intel.

CEO Chuck Robbins himself led the rollout in San Francisco which featured customers like Facebook, Microsoft and AT&T — tech giants with whom Cisco has formed stronger bonds with its new, more flexible approach to the cloud.

"We didn't have a great relationship with these guys four, five years ago," he told Business Insider. "And now you hear from them and it's primarily because we've agreed to sell to them and work with them in any way they like."

Robbins said this flexibility is at the core of Cisco's cloud game plan, which the tech giant has embraced ever since he took over as CEO four years ago. That plan is focused on the different and evolving ways businesses are taking to the cloud.

"From the day I took over, I declared that we were going to sell our technology to our customers in whatever way they wanted to consume it,"  Robbins said. "A big piece of feedback that we got when I started re-engaging is, 'You guys need to do business with us the way we need you to do business with us, not the way you've done it for 25 years."

For Cisco, that means pretty much meant selling hardware and software used by businesses to set up private data centers. The cloud changed that by allowing businesses, including big corporations, to set up their networks on web-based platforms run by the likes of Amazon, Microsoft and Google. This meant businesses could now scale down or even abandon private data centers, which was bad news for companies like Cisco.

Robbins said this trend led to worries about the company's direction about five years ago. "We had to be very clear about what is our role as Cisco in this transition to the cloud."

New cloud trends provided some answers. One was the hybrid cloud, in which businesses set up networks in public platforms, but maintained huge chunks of their data and applications in in-house data centers. The other was so-called multicloud, in which companies set up networks across different public clouds and on private data centers.

Cisco and other traditional tech companies, like IBM and Dell, are now focused on offering the gear and systems needed by customers that have embraced those those trends. 

Eventually, Cisco identified other new opportunities, Robbins said. 

The processor question

Cisco actually has been making its own semiconductors for its own networking equipment, but the decision to start selling them separately sprang from conversations with major customers, known as the web-scalers.

These are tech giants, such as Amazon, Microsoft and Facebook, that have been building massive data centers to power their networks. But unlike in the pre-cloud world, when businesses bought the equipment used for setting up data centers from traditional vendors like Cisco, these web-scalers have relied on their own customized servers and server infrastructure, via efforts like the Facebook-created Open Compute Project.

And so, these titans initially saw little need in turning to traditional tech vendors like Cisco.

But these data centers need state of the art and more powerful semiconductors for those machines, which are expensive to develop and manufacture, with heavy investments in R&D. This is where Cisco, which has invested millions in these processors for their own products, is now stepping in.

"As we engaged with the web scalers, it was clear that we had to approach them differently and do business with them differently," Robbins said. "And some of them wanted us to consider silicon. So in the last couple of years, when we really came to the conclusion that we're going to have to do this."

Selling its own processors is a big move that could pose a threat to companies like Juniper, a Cisco rival, and Broadcom, a communications chip company. But that decision fits into how Cisco plans to continue to adapt in the cloud era, Robbins said.

"I think that customers are going to have more flexibility in the future than they've had in the past," he said. 

Got a tip about Cisco or another tech company? Contact this reporter via email at bpimentel@businessinsider.com, message him on Twitter @benpimentelor send him a secure message through Signal at (510) 731-8429. You can also contact Business Insider securely via SecureDrop.

Join the conversation about this story »

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• Mohammed bin Salman is the 34-year-old crown prince of Saudi Arabia.
• He controls part of the royal family's vast wealth, which is estimated at up to $1.4 trillion.
• The royal family's empire includes Saudi Aramco, the massive, state-owned oil company that just went public and became the most valuable company in the world, with a record-breaking valuation of $2 trillion.
• Prince Mohammed has spent his fortune on a $500 million yacht, a $300 million French chateau, and a $450 million Leonardo da Vinci painting.
• In the fall of 2018, bin Salman faced global outcry over the death of journalist Jamal Khashoggi, who the CIA later concluded was assassinated on the prince's orders. 
• Visit Business Insider's homepage for more stories.

Prince Mohammed Bin Salman Al Saud, known as MBS, is the future king of Saudi Arabia.

The 34-year-old heir will ascend to the throne after the death of his father, 83-year-old King Salman bin Abdulaziz Al Saud. 

Prince Mohammed is known for his lavish spending. He has bought a $500 million yacht, a $300 million French chateau, and a $450 million Leonardo da Vinci painting. According to one estimate, the Saudi royal family — which has about 15,000 members — is worth up to $1.4 trillion.

The royal family's empire includes Saudi Aramco, the massive, state-owned oil company that just went public and is now valued at a record-breaking $2 trillion, making it the most valuable company in the world.

The crown prince has become a controversial global political figure, particularly in the fall of 2018, when he faced global outcry over the death of journalist Jamal Khashoggi, who the CIA later concluded was assassinated on the prince's orders. 

Here's a look at the lavish — and controversial — lifestyle of Crown Prince Mohammed bin Salman.

SEE ALSO: Saudi Arabia is on a roll with Aramco, Ruiz vs Joshua, and a new tourist visa. Mohammed bin Salman could use these 'wins' to whitewash his awful human-rights record.

DON'T MISS: From an unexplored desert to a near $2 trillion IPO: The 86-year history of Saudi Aramco in pictures

Mohammed bin Salman is the 34-year-old crown prince of Saudi Arabia.

He was born to King Salman and his third wife, Fahda bint Falah, in 1985.

He was named crown price in June 2017 after his father, King Salman, decided to remove Muhammad bin Nayef from the position.

Rumors later emerged that Mohammed bin Salman had secretly plotted to oust bin Nayef and take his place, The New York Times reported.

The prince has a bachelor's degree in law from King Saud University, the oldest university in Saudi Arabia.

After graduating, he worked for several state agencies before being appointed as a special adviser to his father in 2009, who was serving as governor of Riyadh at the time.

In 2012, Prince Mohammed's father was named crown prince after the death of Nayef bin Abdul Aziz. Three years later, King Abdullah bin Abdul Aziz died and the prince's father took the throne at the age of 79.

Prince Mohammed is not yet king, but he "essentially runs the country for his father," 83-year-old King Salman bin Abdulaziz, according to Bloomberg.

The prince is known to be a "workaholic" who spends 18 hours of the day in his office, according to The Guardian.

But he reportedly doesn't take criticism well.

"People who tried to say no even gently and diplomatically faced consequences," one source from Saudi Arabia told The Guardian.

The total wealth of the Saudi royal family is unknown, but it could be worth as much as $1.4 trillion, according to House of Saud, an English language Saudi Royal Family news resource.

The royal wealth has been accumulated over decades of oil revenue-generated expansion.

There are about 15,000 members of the Saudi royal family, but the majority of the vast fortune is distributed among 2,000 of them, according to CNBC.

The British royal family, for comparison, is worth an estimated $88 billion.

The Saudi royal family's empire includes Saudi Aramco, the state-owned oil giant that just went public and now has a record-high valuation of $2 trillion.

That makes it the most valuable company in the world, outstripping the market capitalizations of the biggest US giants, including Microsoft, Apple, and Google's parent, Alphabet.

It's worth more than Berkshire Hathaway, Facebook, and Amazon combined. 

Saudi officials had been seeking a valuation of $2 trillion for the company, but most banks had pegged their initial estimates much lower, Bloomberg reported.

Aramco announced revenue of $68 billion in the first nine months of 2019, making it the most profitable company in the world.

Prince Mohammed and his father, King Salman, are often found in "a network of marble-columned palaces and countryside retreats" in Riyadh, according to The New York Times.

Foreign dignitaries and politicians are often hosted at the Al-Yamamah Palace.

During a visit from President Obama to the opulent Erga Palace, reporters spotted gold-plated Kleenex dispensers and gold chairs, according to CBS News.

The royal family is rumored to own several other lavish residences around the world, including in Switzerland, London, France, and Morocco.

Prince Mohammed is known for his extravagant purchases.

He's spent hundreds of millions on superyachts, private jets, helicopters, French chateaus, and rare paintings.

The crown prince reportedly owns a $500 million, 440-foot yacht named Serene, which includes multiple swimming pools and hot tubs, two helipads, a helicopter hangar, a gym, and a movie theater.

The yacht can sleep 24 guests in 15 cabins.

The prince reportedly bought the superyacht after spotting it while vacationing in the south of France.

In 2015, Prince Mohammed bought a chateau in France for $300 million, which was dubbed "the world's most expensive home" by Fortune at the time.

It wasn't until 2017 that news broke that it was the Saudi prince who had bought the Chateau Louis XIV in Louveciennes, which is located west of Paris.

The 17th-century chateau reportedly includes fountains, a sound system, lights, and air conditioning that can all be controlled by an iPhone.

The lavish property also has a wine cellar, a movie theater, and a moat with a transparent underwater chamber.

The prince also picked up a Leonardo da Vinci painting for $450 million at a Christie's auction in 2017.

Prince Mohammed made the winning bid on da Vinci's "Salvator Mundi" anonymously by phone.

The painting had been estimated to sell for around $100 million leading into the auction.

Prince Mohammed has been in the news in recent years for a variety of scandals.

Saudi Arabia has faced criticism for human rights abuses and repressive laws, such as the one that says all Saudi women must have a male guardian.

In February 2019, INSIDER published an investigation detailing how a Saudi app called Absherallows men in Saudi Arabia to track and control where women travel. The reporting prompted Apple CEO Tim Cook to launch an investigation into the app, which is sold on the App Store.

In the fall of 2017, the crown prince was reportedly behind a corruption crackdown that saw more than 200 people arrested and some detained for weeks in a Ritz-Carlton hotel.Saudi Arabia reportedly use coercion and physical abuse during the interrogations.

And according to Al Jazeera, the number of executions in Saudi Arabia has been on the rise: 133 people were executed in the first eight months after MBS became crown prince.

In the fall of 2018, the crown prince faced global outcry over the death of journalist Jamal Khashoggi in the Saudi embassy in Istanbul.

In November 2018, the CIA concluded the journalist was assassinated on the prince's orders.

Saudi Arabia has repeatedly denied that the crown prince had any role in Khashoggi's death.

The Saudis denied for weeks that Khashoggi had been killed and repeatedly changed their story. The kingdom later announced that 18 people had been arrested in connection with the killing and said in January 2019 that prosecutors would be seeking the death penalty for five suspects.

While many world leaders have publicly condemned Prince Mohammed after Khashoggi's death, President Trump has said we may never know if Prince Mohammed ordered the killing of the journalist or not.

After the CIA concluded that MBS ordered the killing of Khashoggi, Trump expressed support for MBS, Al Jazeera reported in December 2018.

As Business Insider previously reported, Trump has had deep business ties with the Saudi Arabian court for more than two decades.

And Jared Kushner, the president's son-in-law, has reportedly pushed for closer ties with Saudi Arabia and particularly with Prince Mohammed.

Kushner and the crown prince have had a close relationship for more than two years, Business Insider's Ellen Cranley reported.

At the G20 Summit in Argentina in December 2018, Russian President Vladimir Putin was seen enthusiastically greeting the Saudi prince.

Putin's enthusiastic greeting of the Saudi prince at G20 came right after other world leaders had condemned Saudi Arabia for the killing of Khashoggi.

Other world leaders appeared to ignore the crown prince in a group photo at the summit.

Beyond politics, the prince has ties to top US technology companies and has toured some of Silicon Valley's top firms, including Google and Apple.

In the spring of 2018, Prince Mohammed met with Apple CEO Tim Cook, Google CEO Sundar Pichai, and Google founders Larry Page and Sergey Brin.

His west coast tour also included a stop in Seattle to meet with Amazon CEO Jeff Bezos.

Saudi Arabia's Public Investment Fund owns 5% of Uber, according to the ride-sharing company's most recent S-1 filing. The fund is also a top investor in Softbank's massive Vision Fund, which owns 16% of Uber as well as sizable stakes in companies like Slack, WeWork, and DoorDash.

• Saudi Aramco's initial public offering broke the record for size and largest proceeds when it raised $26 billion in early December. 
• But banks that worked on the deal will be paid a combined $64 million, roughly 0.25% of the total deal value, Bloomberg reported Thursday, citing sources familiar with the matter. 
• The payout is so low because Saudi Aramco decided to keep its mega-IPO local, according to the report. 
• Watch Saudi Aramco trade live on Markets Insider.

Saudi Aramco's record-breaking $1.7 trillion IPO won't lead to a similarly exorbitant payday for investment bankers who aided the oil giant in the going-public process. 

Banks that worked on the IPO are slated to be paid a combined $64 million, Bloomberg reported Thursday, citing sources familiar with the matter.

That's just 0.25% of the total value of the behemoth IPO, which raised roughly $26 billion for Saudi Aramco. The measly payout is because Saudi Aramco decided to keep the IPO a local affair, according to the report. 

The top local banks that helped Aramco as joint global coordinators will be paid 39 million riyals, or $10.4 million each, according to Bloomberg. Aramco had nine joint global coordinators, including Goldman Sachs, Morgan Stanley, and JPMorgan. 

The top foreign banks — a total of 16 worked with the oil company —will get a lesser sum of 13 million riyals or $3.5 million for helping with the deal. Local banks that acted as bookrunners will get about 5 million riyals, while foreign bookrunners will take home about 2 million riyals each, according to the report. 

That means that foreign banks that worked with Aramco will likely not make enough to cover the costs of the deal, Bloomberg reported previously. 

The Saudi Aramco payout is also a far cry from what banks generally make in the IPO process. When Alibaba went public, the former record holder for the world's largest IPO paid banks that it worked with about $300 million, according to the report.

Since its blockbuster IPO, Saudi Aramco has swelled to a market valuation of $2 trillion, breaking yet another world record. Still, at least one Wall Street analyst has urged investors to sell the stock now, saying the company's price surge is "too much, too soon."

Join the conversation about this story »

NOW WATCH: A big-money investor in juggernauts like Facebook and Netflix breaks down the '3rd wave' firms that are leading the next round of tech disruption

• Microsoft made another batch of "ugly" holiday sweaters that a lot of people want, but that they most likely can't have. 
• This year's theme is Windows XP, with the iconic "Bliss" desktop wallpaper knitted on the sweater.
• Just like last year, the sweater can't be bought — Microsoft is giving them away to certain Windows fans on Twitter.
• Only around 250 were made, and Microsoft's official Twitter account for Windows has 6.3 million followers. Good luck. 
• Visit Business Insider's homepage for more stories.

Microsoft is at it again with its 2019 holiday season "ugly" sweater. 

Last year, Microsoft's ugly holiday sweater theme was Windows 95— producing a sweater that everyone wanted, but most couldn't have. Only "lucky fans" who followed the @Windows Twitter account could obtain one of the highly-limited edition batch of 100 sweaters.

This year's ugly Microsoft holiday sweater theme is the classic Windows XP operating system (first released in 2001), and it's equally rare and desirable. Only about 250 were made this year, but you still can't buy one, despite the outcry from Microsoft fans on Twitter.

Microsoft is, however, giving away its Windows XP sweaters to those who follow Microsoft's Windows social handles, like the @Windows Twitter account, and tweet with the "#WindowsUglySweater" hashtag.

Those who have interacted with the @Windows Twitter account lin the past ikely have a better shot of getting a sweater than someone who just followed @Windows today, but there are so few sweaters that you should approach this like you would with the lottery — don't get your hopes up. 

SEE ALSO: Microsoft's latest 15-inch Surface Pro 3 laptop is a masterpiece for people who like big screens and are willing to pay more for a cutting-edge design

The sweater itself evokes the signature and iconic Windows XP desktop wallpaper, called "Bliss."

Tweet Embed:
//twitter.com/mims/statuses/1205114919995215873?ref_src=twsrc%5Etfw
On one hand I know it's an ad and they got us all talking about Microsoft... but on the other hand I'm wearing it while testing the Mac Pro, so it's totally balancing everything out (and also this is now the best #uglysweater I own) pic.twitter.com/GeCwkvGtZI

It also comes in a box that looks almost identical to the one you'd get when you bought the Windows XP operating system.

Tweet Embed:
//twitter.com/mims/statuses/1205157168854360064?ref_src=twsrc%5Etfw
Um @Windows has an ugly sweater and this is the box it came in. I want this so bad. pic.twitter.com/wP3Wavw3fF

Only around 250 sweaters were made this year, and they can't be bought. The combination of nostalgia and limited availability has some people clamoring.

You may have a chance of getting a sweater if you followed and interacted with the @Windows Twitter account. Still, the @Windows Twitter account has 6.3 million followers. Only 250 people have a chance of getting a sweater. Be real with yourself now and don't get your hopes up!

• TikTok has produced a number of viral trends and memes over the past year, and that includes the rise of the e-girl and e-boy.
• E-girls and e-boys are the newest community emerging from the ever-online Gen Z: Teens who shirk the mainstream, manicured Instagram aesthetic for a grungy vibe and a love of video games.
• These aesthetics have become so popular that they topped Google's end-of-the-year roundup of the top trending fashion and outfit search terms in 2019.
• Here's what you should know about the subculture of e-girls and e-boys that have emerged on social media in the wake of the era of influencers.
• Visit Business Insider's homepage for more stories.

The perfected Instagrammable influencer has met her match: the TikTok e-girl.

The e-girl's emergence this year has corresponded with the rise of TikTok, the short-form video app Generation Z turns to for its latest viral memes and internet entertainment. Thousands of TikTok videos tagged with #egirl show girls with thick eyeliner and dyed hair and guys in beanies wearing belt chains — teens who have embraced an aesthetic separate from the VSCO girls and hipsters sporting Supreme and streetwear.

The e-girl (and e-boy) are just the latest iteration of mainstream counterculture, similar to the emo and scene kids who posted grainy pictures on Tumblr in the 2000s. These e-teens live on the internet and are fluent in the latest video games, and their goal is to push the boundaries, in spite of what parents and older generations may think.

The popularity of e-girls and e-boys has become such a staple of 2019 culture that they were among the most popular Google search terms for fashion- and outfit-related queries, according to Google's annual "Year in Search" report.

Here's everything you need to know about the e-girl, Gen Z's radical antithesis of the Instagram influencer:

SEE ALSO: The Caroline Calloway story is a Fyre Festival-like drama playing out in real time, and we can't stop paying attention to see how far it goes

The e-girl is, simply, the modern-day scene girl: Both were created as a counterculture to the mainstream aesthetic and standards of beauty. They are tuned into video games, as well as in internet slang on Discord and YouTube.

The basic look of the e-girl and e-boy can be broken down with this starter pack, a group of typical items these teens are frequently found with or associated with.

An e-girl or e-boy is commonly sporting:

• Dyed hair: Frequently, hair is dyed 50-50 between two colors. Sometimes, in pigtails.
• Heavy black eyeliner: Dark, thick, winged eyeliner, and sometimes also applied right below each eye to make tiny shapes or icons.
• Pink blush on nose and cheeks, and maybe some intense highlighter.
• Jewelry: Septum or another facial piercing, and an O-ring collar or chain necklace.
• Part anime-, part goth-inspired clothing: Long layered shirts (perhaps a band t-shirt over a striped long sleeve) or a crop top, belt-loop chains, and A-line skirts or high-waisted cargo pants.
• Sad, moody music: Think Billie Eilish, or Twenty One Pilots

The term "e-girl" started off as a derogatory term, used by men to objectify women who they saw as simply looking for male attention online. The first entry of "egirl" on slang-tracking website Urban Dictionary is from June 2009, and it paints a stark picture compared to what e-girl has come to mean in 2019.

Another Urban Dictionary user-submitted definition of e-girl from 2014 referred to her as an "internet slut" who flirts with guys online for attention. Some may point toward notable Instagram stars like Belle Delphine— who capitalized on the "thirsty gamer boys" willing to pay $30 for a bottle of her bathwater — as a symbol of the first wave of the e-girl.

However, a new type and definition of e-girl has risen just this year.

E-girls got a lot more attention this summer after the murder of Bianca Devins, a 17-year-old teen who was allegedly killed by a man she knew from Instagram and Discord. Much attention was put on Devins' online life as part of the e-girl community, where other teens have shared that they're regularly harassed, threatened, and scared they could be stalked or doxxed in real life.

Source: Vice

E-girls have risen into the mainstream in 2019 thanks to TikTok, the short-form video app known as a launching pad for Gen Z's favorite memes and viral trends. On TikTok, videos tagged with #egirl have more than 1.4 billion views. E-girls and e-boys have established themselves with hundreds of thousands of followers, while others have capitalized solely on parodying the e-girl aesthetic.

Some have attributed the roots of the e-girl to Tumblr, where a sad and moody aesthetic for the sad and moody teens reigned supreme in the late 1990s and early 2000s. Both eras are defined by teens spending time alone in their rooms, from which a lot of their content is created.

Source: Vox

The e-girl aesthetic draws from characteristics of anime, where female characters are often skimpily dressed and fetishized as innocent, helpless victims. One TikToker referred to this as the "I'm Baby" quality in a story for Vox.

If you're not familiar with the "I'm Baby" phrase, it's a popular line used in memes across the internet to be used by someone who's incapable or in need of help, or a reason for being unable to get something done. 

Source: Vox

The terms e-girl and e-boy aren't necessarily used as gender-specific terms. Instead, they're used to refer to two different type of aesthetics: While the e-boy is a vulnerable"softboi" and embraces skate culture, the e-girl is cute and seemingly innocent.

Source: Vice

Accordingly, the e-girl concept has spurred its own parodies and memes. You'll find teens in TikToks entering "e-girl factories" or drinking "e-girl juice," which magically transforms them into a stereotypical e-girl.

Ultimately, the e-girl and the e-boy are the anti-influencers. "Scene girls and emo girls were a counter to the preppy, Juicy Couture look of the era (see: Paris Hilton) the way e-girls may be a counter to the polished, Facetuned Instagram influencer," BuzzFeed wrote about e-girls in February.

Source: BuzzFeed News

There's probably no coincidence that e-girls have risen in popularity hand-in-hand with the VSCO girl, the ultra-hipster, ocean-loving teen who found her home on a photo-editing, aesthetic-building app. Where the VSCO girl may be bright and bubbly, the e-girl is quiet and moody.

The e-girl's influence on 2019 culture was solidified when Google released its annual "Year in Search" report. The end-of-year review showed that e-girls and e-boys were among the top trending fashion- and outfit-related search terms on Google this year.

Source: Business Insider

It only seems fitting that at the singer Grimes was chosen to perform at the 2019 Game Awards, which celebrates the best of the video game industry. Grimes may be the closest the e-girl gets to celebrity status: she's dating tech CEO (and internet troll) Elon Musk, frequently dyes her hair, and produces music that's been described as the "kind of music you imagine a group of vampires would listen to if this group of vampires also happened to be on a cheerleading squad."

Tweet Embed:
//twitter.com/mims/statuses/1205130181511282688?ref_src=twsrc%5Etfw
🚨JUST ANNOUNCED: Tonight @Grimezsz takes #TheGameAwards stage for a musical performance you won't want to miss. Watch the free livestream worldwide at https://t.co/Cp7TpQ7uC3 starting at 8:30 PM ET/ 5:30 PM PT pic.twitter.com/QR70ReNAih

Source: Wall Street Journal

• Southwest reached a confidential agreement with Boeing for compensation over the ongoing 737 Max grounding.
• The airline did not disclose the total, but said that $125 million would be shared with employees in a profit sharing program.
• Southwest, which currently has the world's biggest 737 Max fleet, said that it's in continuing talks with Boeing for additional compensation.
• Sign up for Business Insider's transportation newsletter, Shifting Gears, to get more stories like this in your inbox.
• Visit Business Insider's homepage for more stories.

Southwest Airlines said on Thursday it had reached a confidential compensation agreement with Boeing for a portion of projected financial damages related to its 737 Max aircraft grounding.

The US airline also said it would share the proceeds from Boeing with its employees. The world's largest 737 Max operator expects the profit sharing accrual to be about $125 million.

Southwest, which currently has the largest grounded 737 Max fleet in the world, said it continues to engage in talks with Boeing for further compensation related to the Max grounding, adding that the details of the talks and the settlement were confidential. Boeing declined to make an immediate comment.

Southwest, American Airlines, and United Airlines are scheduling flights without use of the aircraft until early March 2020, nearly a year since the plane was grounded after crashes killed 346 people in Indonesia and Ethiopia.

American and United both remain in discussions with Boeing about compensation. American has 24 Max aircraft in its fleet and had expected 40 by the end of 2019. American has said it expects to be compensated for lost revenue from the grounding.

"The missed deadlines and extended grounding have hurt our customers, our team members and our shareholders," American spokesman Ross Feinstein said on Thursday. "We are working to ensure that Boeing's shareholders bear the cost of Boeing's failures, not American Airlines' shareholders."

United declined to comment.

Boeing took a nearly $5 billion after-tax charge in the second quarter for expected compensation to airline customers with grounded planes. However, the total cost of customer compensation may be higher, because most agreements have not yet been negotiated, and the grounding is ongoing.

On Wednesday, Federal Aviation Administration chief Steve Dickson confirmed the agency will not unground the 737 Max before the end of 2019. As recently as November, Boeing had forecast that the plane would be cleared to fly by year's end.

With the Max parked, Southwest has scaled back growth plans and canceled more than 100 daily flights, wiping $435 million from its earnings between January and September.

Southwest had 34 Max jets in its fleet when global regulators grounded the aircraft in March, the most of any US airline. The airline was supposed to receive 41 more 737 Max planes in 2019, but most of those deliveries are now scheduled for 2020.

In October, the Southwest Airlines Pilots Association filed a lawsuit against Boeing alleging the Max grounding caused over $100 million in lost wages.

Federal officials told Reuters earlier this week the FAA is not expected to authorize the plane to fly until January at the earliest, citing significant work still to be done. Some US officials think it may not be until at least February that Dickson gives the green light.

SEE ALSO: Inside the closed-door meeting where Boeing tried to reassure 737 Max stakeholders as airlines and passengers get ready to fly the plane again

Join the conversation about this story »

• You can easily print emails from your iPhone, as long as you have a printer set up nearby with wireless capabilities.
• You can print emails from your iPhone from the built-in Mail app or from a downloaded app like Gmail.
• Your iPhone and printer need to be on the same Wi-Fi network in order for you to print emails (or anything else) from your iPhone.
• Visit Business Insider's homepage for more stories.

Technology really does keep making our lives easier and easier. Printing was once a laborious task, needing a physical connection between the printer and computer. So if you had something you wanted to print from your phone, you'd need to send it to your computer first.

Today, if you have an iPhone and a wireless printer using the same Wi-Fi network, you can print a photo, note, or email off your phone in less time than it took me to write this sentence. 

If you want to print an email from an iPhone, you just need to know where to tap.

Check out the products mentioned in this article:

iPhone 11 (From $699.99 at Best Buy)

Canon Pixma (From $69.99 at Best Buy)

How to print an email from an iPhone in the Mail app

1. Find and open the email you want to print.

2. Tap the little arrow in the bottom-right corner of the screen.

3. Scroll down in the menu and tap "Print."

4. Select the printer that you want to use.

5. Adjust any settings as you'd like and then tap "Print" at the top-right.

How to print an email from an iPhone in the Gmail app

1. In the Gmail app, find and tap on the email you want to print.

2. Tap the three little dots to the right of the sender's name.

3. Tap "Print" and then select AirPrint to locate your wireless printer.

4. Check your settings, then hit "Print."

Related coverage from How To Do Everything: Tech:

• How to print a file from your iPhone or iPad in a few easy steps

• How to add a wireless printer to your iPad and print from it, using AirPrint or a third-party app

• How to print double-sided documents on a Mac computer with any printer

• How to print directly from Google Docs, and how to check if your printer is Google Cloud-enabled

• How to change your account username on a Mac computer, if you bought a pre-owned Mac or otherwise need a name change

SEE ALSO: The best iPhone accessories from cases to lightning cables

Join the conversation about this story »

NOW WATCH: Inside the US government's top-secret bioweapons lab

Apple is deepening its financial services play as a means of invigorating revenue, and its expertise could make it a legitimate threat to legacy players. Google's platform-agnostic approach, wide international penetration, and top talent position it as a hub with unrivaled global reach beyond just consumer payments. And Amazon — which has eaten up market share in every industry it's touched, and now has its sights on financial services — could swiftly undercut legacy players.

In The Tech Companies In Financial Services report, Business Insider Intelligence will examine the moves that Apple, Google, and Amazon are making to gain a larger foothold in the global financial services industry. We will then detail each tech company's threat to incumbents and outline potential next steps based on their existing moves in the financial services sphere.

The companies mentioned in the report include: Apple, Amazon, Google, Goldman Sachs, Mastercard, Barclaycard, Citi, Chase, Capital One, Paytm, and PhonePe.

Here are some key takeaways from the report:

• Apple's expertise in consumer-facing tech products makes it a legitimate threat to legacy players. Its next move could be a debit card or PFM app, both of which would be cohesive with its existing offerings.
• Google's money movement and commerce services form a payments hub with unrivaled global reach. Google could pursue global expansion by modifying its offerings in other markets like it did in India, pursuing Europe, and even delving into digital remittances.
• Amazon is an expert disruptor — and it has its sights set on the financial services industry next. Amazon could develop checking and savings accounts, bring Amazon Pay in-store, and white-label its Amazon Go store technology to deepen its financial services footprint.

In full, the report:

• Outlines the threat posed by Apple, Amazon, and Google to legacy financial players.
• Identifies each tech giant's strengths, weaknesses, opportunities, and threats moving further into financial services.
• Discusses each company's moves in financial services and their anticipated next steps in the space.

Join the conversation about this story »

We rounded up the 11 best sales and deals happening online today, with savings on KitchenAid Stand Mixer attachments, outdoor gear and clothing at REI, L.L.Bean clothing and boots, video games at Target, and more. 

Deals in this story are subject to change throughout the day. The prices listed reflect the deal at the time of publication. For even more deals and savings across the web, check out Business Insider Coupons.

The best sales and deals happening today at a glance:

• Save 20% on Disney, Pixar, Marvel, and Star Wars cases at OtterBox
• Save $150 on the KitchenAid Stand Mixer pasta and prep attachment bundle at Best Buy
• Save up to 40% on outdoor gear and clothing at REI*
• Save up to 40% at Madewell
• Save 25% on engagement rings and 30% on wedding bands at Ritani
• Save 20% sitewide at L.L.Bean
• Get a free $50 gift card when you buy two select games at Target

Additional Business Insider-exclusive deals and longer-term sales going on now:

• Get $750 worth of travel points when you sign up for the Chase Sapphire Preferred and spend $4,000 in the first three months
• Save 25% on Gravity Blankets and more
• Save up to $250 on Bear Mattresses and get two free pillows
• Save 15% on your order at Framebridge

Find the details of each sale below:

SEE ALSO: The best mattresses you can buy

DON'T MISS: I got my teeth straightened through an online service called Candid for under $2,000 — here’s how it works

1. Save 20% on Disney, Pixar, Marvel, and Star Wars cases at OtterBox

Shop the OtterBox sale now. 

OtterBox is mostly known for its super rugged and durable cases, but the brand also has plenty of fun designs. For a limited time, you can save 20% on Disney, Pixar, Marvel, and Star Wars products. Whether you're looking for a smartphone case with your favorite Disney princess or this cool "Toy Story"-themed Echo Show 5 case, you'll find it here. 

2. Save $150 on the KitchenAid Stand Mixer pasta and prep attachment bundle at Best Buy

KitchenAid Pasta Cutter and Fresh Prep Attachment Bundle, $99.99 (Originally $249.99) [You save $150]

With the right attachments, KitchenAid Stand Mixers can be used for a lot more than mixing cake batter or cookies — and one of the most useful attachment bundles, the pasta cutter and fresh prep kit, is on sale now. The kit includes a pasta roller and cutter set for making spaghetti and fettuccine, and a fresh prep slicer and shredder, which can be used to efficiently slice or shred cucumbers, carrots, potatoes, and cheese. For a limited time, you can save $150 on the kit at Best Buy. 

3. Save up to 40% on outdoor gear and clothing at REI*

Shop the REI sale now. 

The holidays are less than two weeks away, and time to shop is running out. If you're looking for outdoorsy gifts, REI has the perfect sale for you. Now through December 16, you can save up to 40% on a huge selection of outdoor gear and clothing. Cleverly named the "shop now and be done" sale, REI is giving you a solid reason to shop now rather than at the last minute.

This deal features Sponsored Products that have been suggested by REI and that also meet our editorial criteria in terms of quality and value.*

4. Save up to 40% at Madewell

Shop the Madewell sale now. 

J.Crew's popular sister site Madewell is a great place to find premium women's denim and other wardrobe basics. While fair prices are pretty standard at Madewell (and J.Crew), the current holiday sale makes them even better. Until December 15, you can save 40% on more than 300 selected styles and 25% on everything else by using the promo code "YULELOVEIT" at checkout. 

5. Save 25% on wedding rings and 30% on wedding bands at Ritani

Shop the Ritani sale now. 

Named the best place to engagement rings online with an in-store experience in our buying guide, Ritani combines the best of both shopping experiences together. If you're planning to pop the question soon, Ritani has a sale you'll want to take a look at. Right now, you can save 30% on wedding bands, 25% on engagement rings, and 15% on other jewelry with the promo codes "SAVE30", "SAVE25", and "SAVE15" at checkout. 

6. Save 20% sitewide at L.L.Bean

Shop the L.L.Bean sale now. 

L.L.Bean is following up Cyber Week with another great sale in time for the holidays. Until December 17, you can save 20% sitewide by using the promo code "CHEER20" at checkout. The sale includes the brand's popular Bean Boots, fleeces, sweaters, outerwear, and more.

7. Get a free $50 gift card when you buy two select games at Target

Shop the Target sale now. 

Video games are likely on your holiday shopping list — and Target is where you'll want to shop (today, anyway). For a limited time, you can get a $50 gift card when you buy two select games, including popular titles like Mario + Rabbids Kingdom Battle, Assassin's Creed Odyssey, Rainbow Six Siege, and Far Cry 5. While you can't apply the gift card to the video games, you can use it toward another game or anything else available at Target during your next purchase.

8. Get $750 worth of travel points when you sign up for the Chase Sapphire Preferred

Learn more about the Chase Sapphire Preferred from our partner The Points Guy.

The Chase Sapphire Preferred Card is a great option if you're new to earning points and miles, as it has a reasonable $95 annual fee. You'll earn 2 points per dollar on all travel and dining purchases and 1 point on everything else, and the card includes some valuable benefits like trip delay coverage and primary car rental insurance.

You can earn 60,000 Chase points with the Chase Sapphire Preferred when you spend $4,000 in the first three months from account opening. That's worth at least $750 toward travel. Read our review to learn more about the card's benefits.

Business Insider may receive a commission from The Points Guy Affiliate Network if you apply for a credit card, but our reporting and recommendations are always independent and objective.

9. Save 25% on Gravity Blankets and more

Shop the Gravity Blanket sale now. 

Weighted blankets are becoming an increasingly popular method for reducing stress and getting a good night's sleep — and the popular Gravity Blanket is on sale now. For a limited time, you can save 25% sitewide with the promo code "HOLIDAY2019" at checkout. In addition to the original Gravity Blanket, the sale also includes travel blankets, weighted sleep masks, aromatherapy pillows, and more. 

10. Save 25% on a Bear mattress, plus get two free pillows

Shop the Bear Mattress sale now. 

Named the best mattress for hot sleepers in our buying guide, Bear Mattresses are designed to keep you cool and comfortable at night. Additionally, the mattresses feature Celliant, a material that converts heat from the body into far infrared — a type of energy that's been proven to help rebuild cells. The technology can help you wake up feeling well-rested and free of aches and pains, plus you won't break a sweat in your sleep. You can get $150 off when you spend $700+ (code "WS150"), $200 off orders of $1,000+ (code "WS200"), $250 off orders of $1,300+ (code "WS250") along with two free pillows.

11. Save 15% on your order at Framebridge

Shop the Framebridge sale now. 

In addition to offering customizable framing options for your prints and original paintings, Framebridge will turn your favorite digital images and smartphone pictures into beautifully framed artwork that's suitable for display. Simply pick a frame, upload or send in your image, and Framebridge will it back ready to be shown off. For a limited time, new customers can save 15% sitewide by using the promo code "INSIDER15" at checkout. 

• Some of the oldest Gen Zers will graduate college in 2020 and many are choosing to start their own businesses.
• Forbes released its "30 Under 30" list and it features 20 entrepreneurs, 22 years old or younger, who belong to Gen Z, which includes anyone born after the year 1996.
• Business Insider rounded up the 20 Gen-Z entrepreneurs on the list who founded or own a for-profit business. (We did not include founders of nonprofit businesses or social activism organizations.)
• Visit BI Prime for more stories.

The young entrepreneurs on this year's Forbes' "30 under 30" list aren't wasting any time. The list includes inventors, designers, and technologists shaking up their industries and leading social impact ventures.

This year the list features 20 entrepreneurs, 22 years old or younger, in the US and Canada, who belong to Gen Z, which includes anyone born after the year 1996, according to the Pew Research Center.Gen Z is the youngest, most ethnically-diverse, and largest generation in US history.

While many millennials, or anyone born between 1981 and 1996, have turned to side gigs and freelance, Gen Z values working for themselves. A report from the student resource site Online School Center found about 41% of Gen Z plans to become entrepreneurs and 45% plan to invent something that will change the world.

The Forbes' list features a number of Gen Z entrepreneurs including Charu Thomas, 21, who created Oculogx, a company that makes augmented-reality glasses for order-picking in warehouses. Danya Sherman, 22, also made the list. Sherman invented KnoNap, a napkin that can test if a drink has been laced with drugs. 

We rounded up the Gen-Z entrepreneurs who founded or own a for-profit business. (We did not include founders of nonprofit businesses or social activism organizations.)

Here are the 20 young entrepreneurs trailblazing their industries, in order from oldest to youngest.

SEE ALSO: Gen Z is changing the world — meet the powerhouses aged 22 or younger who made it onto this year's Forbes 30 Under 30 list

MUST READ: Successful founders match their funding to their revenue. Here are 12 options to consider, from early days to venture.

Reese Cooper

Age: 22

Industry: Art and style

Known for: Cooper is known for his eponymous clothing line, which he launched in 2016 with no formal training in fashion design.

Danya Sherman

Age: 22

Industry: Social entrepreneurship

Known for: Sherman is the creator and CEO of KnoNap, a cocktail napkin that can indicate whether a drink has been laced with drugs.

Rohit Kalyanpur

Age: 22

Industry: Energy

Known for: Kalyanpur is the founder of Optivolt Labs, a system that aims to use solar energy to power machines.

Scott Wu

Age: 22

Industry: Consumer technology

Known for: Wu is the cofounder of Lunchclub, a service that uses Al technology for in-person meetings.

Claire Coder

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Age: 22

Industry: Social entrepreneurship

Known for: Coder is the founder of Aunt Flow, a company that provides feminine care products. 

Lisa Qu

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Age: 22

Industry: Art and style

Known for: Qu is the CEO and founder of her namesake fashion line.

Matthew Asir

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Age: 22

Industry: Law and policy

Known for: Asir is the founder of The Legal Bullet, an organization which makes legal services affordable and accessible to immigrants. 

Caroline Danehy

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Age: 22

Industry: Manufacturing & Industry

Known for: Danehy is the cofounder of Fair Harbor, a company that aims to reduce plastic pollution in the ocean by turning plastic bottles into sustainable swimwear.

Tyler Bernstein and Jonathan Segal

Ages: Bernstein, 21; Segal, 22

Industry: Science

Known for: The two are cofounders of Zeno Power Systems, a company that is developing a system to safely turn nuclear waste into clean energy.

Paige Brown, John Dean, Kai Marshland

Age: Brown, 21; Dean, 22; Marshland, 22

Industry: Science

Known for: Brown, Dean, and Marshland are three of the cofounders of Windborn Systems, a company which builds weather balloons.

Kyle Carberry, John Entwistle, Ammar Bandukwala

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Age: Carberry, 22; Entwistle, 22; Bandukwala, 21

Industry: Enterprise technology

Known for: Carberry, Entwistle, and Bandukwala are cofounders of the company Coder, which seeks to improve the efficiency of software development.

Jeremiah Pate

Age: 21

Industry: Manufacturing and industry 

Known for: Pate is the founder of LunaSonde, a radar satellite system which can scan up to two kilometers underground.

Charu Thomas

Age: 21

Industry: Manufacturing and industry

Known for: Thomas created Oculogx, an augmented-reality, wearable technology that makes order-picking in warehouses faster and more accurate. Oculogx customers include Walmart, Google, and Newell Brands.

Scott Xiao

Age: 21

Industry: Healthcare

Known for: Xiao is the cofounder of Luminopia, which is a startup focused on children's healthcare. 

Rachel Zietz

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Width: 540px

Age: 19

Industry: Retail and ecommerce

Known for: Zietz is the founder of Gladiator Lacrosse, a sports equipment company.

• Amex recently unveiled a new credit card option, the American Express® Green Card. This card offers a big welcome bonus, lucrative ongoing rewards, and the opportunity to earn Membership Rewards points.
• The American Express® Gold Card is also worth considering if the Amex Green Card caught your eye. This card offers a bigger welcome bonus and a higher earning rate for dining and US supermarkets.
• Make sure to consider how both cards might work with your spending style before you sign up. The chart and details below can help you decide.
• See Business Insider's picks for the best rewards credit cards available now »

American Express recently updated one of its oldest rewards cards aimed at consumers who want to earn American Express Membership Rewards points. The new Amex Green card hit the scene with an enticing welcome bonus, an interesting earning structure, and some very specific annual credits that can benefit certain types of consumers.

Still, the fact that the updated Amex Green card is new on the scene doesn't necessarily make it the best. In fact, many would say the Amex Gold card is a better deal since it offers a bigger bonus and a higher earning rate in popular categories like dining and US supermarkets.

If you're considering both of these cards, it makes sense to compare their earning rates and benefits side by side. We did all the hard work for you in this comparison guide, so keep reading to learn what these two cards are all about.

Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. It's important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back.

Amex Gold vs. Amex Green: The biggest differences

Welcome offer

The welcome offers on these two cards are similar, but the Amex Gold card comes with a much higher minimum spending requirement. At the moment, you can earn 35,000 Membership Rewards points when you spend $4,000 within the first three months with the Amex Gold, whereas the Amex Green card gives you 30,000 Membership Rewards points for spending just $2,000 within the first three months.

It's good to note, however, that both of these cards earn flexible Membership Rewards points. You can cash in these points for gift cards or merchandise, but you can also use them for travel through AmexTravel.com. Finally, you can transfer Membership Rewards point to a wide range of airline and hotel loyalty partners.

Earning rate for purchases

The earning rates for both of these cards can be lucrative, but you might earn more points with one card over another depending on how you spend. The Amex Gold card gives you 4x points on dining worldwide and on up to $25,000 spent at US supermarkets each year (then 1x), plus 3x points on flights booked with airlines or AmexTravel.com and 1x points on all other purchases.

The Amex Green card, on the other hand, gives you 3x points on travel (including flights, hotels, transit, taxis, tours, and ridesharing services) and dining worldwide and 1x point on all other purchases.

With these rates in mind, it's easy to see how the Amex Green card might work better if you spend a lot on travel each year. Likewise, the Amex Gold card could be a better deal (and worth the higher annual fee) if you spend a ton on dining and at US supermarkets.

Read more:The best credit cards for buying groceries »

Annual fee

The annual fee on the Amex Gold card is $250, whereas the Amex Green card charges just $150 per year. Both card's annual fees can be well worth it if you're able to use their annual credits and make the most of the rewards you earn, but you should still keep this detail in mind.

Benefits — what's different?

Before we dive into the benefits and credits each card offers, it's important to note that American Express tends to make its credits harder to use than other issuers. This is mostly because the credits its credit cards offer are very specific, whereas many other card issuers like Chase and Citi offer annual credits that can be used easily and for a wide range of purchases.

With that being said, here are some of the credits you can earn with either the Amex Gold or the Amex Green Card.

Airline fee credit with the Amex Gold card

The Amex Gold card gives you up to a $100 airline fee credit each year. However, keep in mind that this credit online applies to one airline you pick ahead of time, and that it's only good for incidentals like in-flight internet access in-flight meals, and checked baggage. That makes a lot more difficult to use than, say, the annual travel credit offered by the Chase Sapphire Reserve.

Dining credits with the Amex Gold card

The Amex Gold card also offers up to $120 in dining credits each year, but once again, this credit is only good for specific purchases. The fine print for this credit clearly states that you can earn up to $10 in credits monthly for purchases made with GrubHub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed.com, and participating Shake Shack locations.

If you rarely dine at any of these establishments, this $120 credit won't do much for you at all.

Read more:Amex Gold card review »

Credit for Away luggage with the Amex Green card

If you apply by January 15, 2020, the Amex Green card is offering up to $100 in statement credits when you make an eligible purchase with Away luggage within the first three months of account opening. This credit seems a bit random — maybe it could help you save on holiday shopping? — and it will only benefit you if you plan to buy pricey Away luggage to begin with.

LoungeBuddy credits with the Amex Green card

The Amex Green card also gives you up to $100 in LoungeBuddy credits each year. LoungeBuddy is an airport lounge program that is not quite as good as Priority Pass. You get up to $100 in credits for lounge entry booked through the LoungeBuddy app each year, which may not go far since entry into the 700+ LoungeBuddy lounges can cost anywhere from $29 to $75 each time.

Credit for CLEAR with the Amex Green card

The Amex Green card also gives you a $100 credit toward CLEAR membership, which works similarly to TSA PreCheck. Once again, this credit is very specific and may not matter to everyone since CLEAR isn't available at nearly as many airports as TSA PreCheck. It also costs $179 per year, so you'll still have to pay $79 out of pocket for CLEAR membership.

Read more:Amex Green card review »

Benefits shared by both cards

The Amex Gold card and Amex Green card share a handful of benefits that can help you get more value in exchange for your annual fee. Here are the perks you can get with either card:

No foreign transaction fees

Both cards let you avoid paying foreign transaction fees on purchases you make outside the United States. This perk will save you from having to pay an additional 3% for purchases you make when you travel.

Car rental coverage

Both cards offer up to $50,000 in coverage for damage or theft of a rental vehicle. You do have to pay the full rental amount with your credit card to qualify for this coverage.

Baggage insurance

Both cards offer the same baggage insurance coverage. When you pay for travel with a common carrier with your credit card, you'll get up to $1,250 in coverage for the replacement of carry-on baggage and up to $500 for replacement of checked luggage. You can also qualify for an additional $250 in coverage for each person per covered trip for high-risk items like jewelry, sports equipment, electronics, and more.

Which card is best for you?

Both the Amex Gold card and Amex Green card can be extremely lucrative if you are able to use their annual credits, but you may find one card could help you earn more points each year depending on how you spend. Make sure you compare both cards in terms of their earning rates, welcome bonuses, and ongoing benefits before you decide.

If you're unsure about either of these cards, it also makes sense to compare other travel credit cards and general rewards cards before you pull the trigger.

Click here to learn more about the Amex Green card »

Click here to learn more about the Amex Gold card »

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• This is a preview of The Stories Report from Business Insider Intelligence.
• Purchase this report.
• To check to see if you already have access to Business Insider Intelligence through your company, click here.

Social media stories could be more prevalent than ever in 2020, particularly for advertisers.

Instagram Stories now account for nea lry 10% of all ad spending across Facebook's proprieties as of the end of Q3 2019, according to a new report from social media marketing company Socialbakers. That same report notes that ad spending on Instagram Stories surged almost 70% year-over-year.

Pioneered by Snapchat and popularized by Instagram, Stories are temporary photos or videos on a user's account that can be annotated with messages, emojis, or other flair. Brands began to take notice of this growing feature in recent years and have since crafted their own means of leveraging it.

Fortunately for our subscribers, Business Insider Intelligence saw this growth coming one year ago. In our Top 10 Trends in Digital Media 2019 slide deck, we predicted that "Stories are the next big opportunity for advertisers and publishers."

The authentic, native ad format and immersive full screen video, coupled with call-to-action integrations and the ability to reach younger audiences make Stories a tantalizing prospect for advertisers. On the publisher side, Stories offer a strong distribution channel, a mobile traffic source, immersive and conversational storytelling, and the potential for sponsored content.

To provide an even greater understanding of the future of this format, Business Insider Intelligence has written The StoriesReport, which identifies the most popular platforms for Stories features, defines best practices to maximize engagement without alienating users, and pinpoints challenges hindering brand adoption for the future.

Here are some of the key takeaways from the report:

• Millennial users are more likely to watch Stories on Instagram (60%) than Snapchat (53%) and Facebook (48%), according to VidMob.
• Gen Z — comprised mainly of teens — favors Snapchat for watching Stories. Teens are heavy viewers of Stories, and 73% of Snapchat's Gen Z audience consume content via Stories, compared with 70% of Instagram's and 34% of Facebook's, per VidMob.
• Brands looking to build successful Stories campaigns and make meaningful connections with customers should shoot vertical content that's uncluttered and post no more than seven Stories within a 24-hour period, among other best practices.

In full, the report:

• Provides insight into which platforms brands should prioritize based on their target audience segments.
• Offers an inside look into marketers' best practices for Stories creation.
• Explores the hurdles the industry will need to clear so brands can take full advantage of the format.

Interested in getting the full report? Here's how to get access:

1. Purchase & download the full report from our research store. >> Purchase & Download Now
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3. Current subscribers can read the report here.

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• Amazon is rapidly in-housing its transportation network — particularly in the last mile, where the retailer is buying hundreds of thousands of home delivery vans. 
• But not all of Amazon's customers will spot the vans on their blocks. That's because Amazon is leaving the US Postal Service to deliver packages for rural customers, according to a lengthy Morgan Stanley report.
• That's a great way for Amazon to slash costs at its quickly scaling transportation network. But it will only likely bleed out the USPS even more. 
• Visit Business Insider's homepage for more stories.

Amazon's delivery vans are becoming an increasingly common sight on America's streets. 

As long as you live in a big city or a suburb.

According to a recent Morgan Stanley report, Amazon is "disproportionately servicing" the United States' densest areas alone. 

That's a win for Amazon's bottom line as the company seeks to manage its massive transportation investment, which will total $3 billion this year.

Servicing the densest areas is a way to keep costs low, but it could bleed out the USPS, which has the legal imperative to serve all US addresses — even the low-margin, low-density rural neighborhoods. 

Amazon is a quietly expanding transportation company

Amazon began building out its delivery network in 2013. The past few years have seen a remarkable evolution in Amazon's logistics network spanning rail, trucking, and ocean freighters. 

The company's last-mile, or home delivery, network is a major threat to UPS, FedEx, the US Postal Service, and other traditional parcel carriers. That's not just because Amazon is lessening its dependence on those companies, but also because the retailer is slated to start moving non-Amazon packages in its network.

Through a combination of Amazon's own packages and other e-commerce packages, Amazon stands to become a larger last-mile deliverer than FedEx and UPS by 2020 and 2022 respectively, according to the Morgan Stanley report.

But Amazon Logistics isn't servicing all 41,702 of America's zip codes equally. Instead, Morgan Stanley's report says the burgeoning logistics company is focusing on urban and suburban areas.

Amazon and the USPS did not respond to a Business Insider request for comment.

Industry-wide, 60% of packages go to suburban homes, 20% are urban, and another 20% are rural. But Amazon Logistics' share of rural packages totals just 11%. Urban (28%) and suburban (61%) dominate the package share, according to Morgan Stanley's research.

Building up density is key for any transportation company. Servicing big cities makes it easier for Amazon drivers to, say, park their van and make several dozen or even hundred deliveries in one block. As areas have fewer and fewer customers in one square mile, Amazon would have to spend more and more on sortation costs, fuel, and labor to make deliveries.

Indeed, rural America is so costly to service that McKinsey recently reported that even drone delivery may not offset the costs.

Morgan Stanley pointed to internal AlphaWise data that shows about 78% of Americans live in 28% of zip codes. The analysts wrote that Amazon is "cherry picking" the densest zip codes, and only hiring delivery service partners in those areas.

"To build a B2C network from scratch, we believe it makes more sense to build a network that only services dense urban areas (the aforementioned 28% of the zip codes) and rely on the USPS or third-party delivery partner to go to rural or other areas with lower delivery density," Morgan Stanley's analysts wrote. 

That only puts the USPS in a worse situation

Amazon's bottom line win is a loss for the USPS, the quasi-governmental agency that's been struggling with billions of dollars in losses in recent years.

The USPS lost $3.9 billion in fiscal year 2018, according to a December 4 report from the Task Force on the United States Postal System. Its cumulative losses are nearing $70 billion.

One major contributor to USPS' woes is a 2006 law passed under President George W. Bush surrounding prefunding retirement benefits. That law required the USPS to determine how much it would spend on pension over the next 75 years and quickly build up a fund to cover all of it. According to USPS' Inspector General, the new requirement to prefund retiree benefits accounted for $54.8 billion of the agency's $62.4 billion loss incurred between 2007 and 2016. 

Previously, the boon of e-commerce packages had served to buoy the USPS. But Amazon's increasing in-housing, along with moves from FedEx to outsource fewer parcels, has fostered a decline in USPS volume. In August, the agency reported its first volume decline since 2010.

The fact that Amazon is outsourcing fewer parcel deliveries to the USPS already alarmed experts like Nicholas Farhi, a partner at OC&C Strategy Consultants.

"It's extremely hard for USPS to reverse that decline," Farhi told Business Insider in August. "If they're not delivering packages and obviously not really delivering letters, it seems like it's definitely going to be eroding in the next decade."

Do you work for Amazon? What do you think about its quest to take over transportation? Email rpremack@businessinsider.com.

Read more about Amazon's quest to in-source its deliveries and become a transportation company: 

An internal doc reveals Amazon is ditching the trucking industry's most common pay practice — and it's a brilliant maneuver that could give the e-commerce giant a massive advantage

Amazon is set to spend $3 billion on its in-house delivery network this year. It's about to face the ultimate test as it doubles down on competing with UPS and FedEx.

'This is just another piece of the puzzle': Amazon is now rolling out branded tractors in its latest move to become a full-fledged trucking company

Amazon took over the $176 billion market for cloud computing. Now it's using the same playbook in logistics."

Join the conversation about this story »

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• Lamar Jackson and the Baltimore Ravens put together another dominant win on Thursday night, taking down the New York Jets 42-21.
• Jackson threw for five touchdowns on the night, and also ran for 86 yards, breaking Michael Vick's record for most rushing yards by a quarterback in a season.
• After the game, Jackson said he was unaware when he broke the record, but running back and hype man Mark Ingram was there to help him out.
• Visit Business Insider's homepage for more stories.

Lamar Jackson is running away with the NFL MVP award this season.

With just three games left on the schedule, Jackson has led the Ravens to a 12-2 record and a likely top seed in the AFC playoffs.

All of his talents were on display throughout a Thursday night dismantling of the New York Jets, with Jackson throwing for 212 yards and five touchdowns — the third time this season he's thrown for five scores.

Jackson also ran for 86 yards on eight rushes on Thursday night, bringing his season total to 1,103 yards on the ground to surpass Michael Vick as the most ever recorded in a season by a quarterback.

After the game, Jackson was clearly unaware that he had surpassed Vick's mark, but teammate and hype man Mark Ingram was there to let him know.

"It's pretty cool!" Jackson said, when asked by Fox's Erin Andrews how it felt to break Vick's record. "I don't know when I broke it, but..."

"Very early," Andrews said, as Ingram jumped into the conversation, saying "When I told you congratulations!"

Later on in the interview, Ingram spoke at length about what Jackson meant to the team, before turning to interview his quarterback on his own.

It's not the first time Ingram has worked as a hype man for Jackson after a stellar performance. After the Ravens dominant 41-7 win over the Texans in Week 11, Ingram took to the post-game press conference podium ahead of Jackson to put his quarterback over.

Jackson and Ingram are clearly having a ball, all while playing like Super Bowl favorites.

Not bad for a running back.

• Read more:

NFL WEEK 15: Our official predictions for who wins this weekend

The Patriots are once again embroiled in a cheating controversy. Here are other examples of how teams have accused them of bending the rules

The Patriots signed a 'trick-shot' kicker who can kick an 80-yard field goal

Odell Beckham Jr. reportedly wants out of Cleveland, and a resurfaced video suggests he wants to move to the 49ers in the offseason

Join the conversation about this story »

NOW WATCH: 5 things about the NFL that football fans may not know

• Up to 20% of women will experience cramps so severe that it interferes with daily activities. For most, cramping occurs when you shed part of the inner lining of your uterus, called the endometrium. 
• Hormonal birth control thins the endometrial lining of the uterus. This can help relieve cramping because you're not building up that extra lining of your endometrium that causes intense contractions.
• To ease menstrual cramps, your doctor may recommend hormonal birth control in the form of an oral contraceptive, skin patch, injection, IUD, implant, or vaginal ring. But some methods are better at relieving pain than others.
• Dr. Kecia Gaither recommends women take combination contraceptive pills that have both estrogen and progestin. Other combination methods are the contraceptive patch and the vaginal ring. 
• This article was reviewed by Olivia P. Myrick, MD, who is a clinical assistant professor with the Department of Obstetrics and Gynecology at NYU Langone.
• Visit Insider's homepage for more stories.

Painful period cramps, aka dysmenorrhea, affects more than half of women who menstruate. What's more, up to 20% of women will experience cramps so severe that it interferes with daily activities. 

Fortunately, many women find relief from hormonal birth control. 

How hormonal birth control can relieve period cramps

To ease menstrual cramps, your doctor may recommend hormonal birth control in the form of an oral contraceptive, skin patch, injection, IUD, implant, or vaginal ring. 

For most women, cramping occurs when a woman sheds part of the inner lining of her uterus, called the endometrium. During ovulation, the endometrium thickens. That extra lining is there to nourish a fertilized egg in case you become pregnant.

However, when you don't become pregnant, your uterus contracts to shed that extra lining of the endometrium. And it's those contractions that cause pain and cramping. So, if you want to relieve cramping, you need to reduce contractions. That's where birth control comes in.  

The primary purpose of birth control is to prevent pregnancy, which it's designed to do by halting ovulation and thinning the endometrial lining of your uterus. This can help relieve cramping because you're not building up that extra lining of your endometrium that causes intense contractions. Problem solved, right? Well, not all birth control is created equal.    

How to choose the right birth control for cramps

Hormonal birth control contains either a combination of synthetic versions of estrogen and progestin or a progestin-only formula. 

Progestin-only pills are not as consistent as combination birth control pills at preventing ovulation. In fact, the American College of Gynecologists and Obstetricians estimates that 40% of women who use progestin-only pills will continue to ovulate.

That's why Dr. Kecia Gaither, MD, an OB-GYN and Director of Perinatal Services at NYC Health + Hospitals/Lincoln recommends women take combination contraceptive pills that have both estrogen and progestin. Other combination methods that contain both estrogen and progestin are the contraceptive patch and the vaginal ring. 

That said, progestin-only birth control may still help with cramping even if it doesn't prevent you from ovulating. Because it can still thin your endometrium and reduce the level of hormones, called prostaglandins, that cause your uterus to contract in the first place.

The same goes for progestin IUDs (like the Mirena, Skyla, or Liletta), which keep your endometrial lining so thin that cramping and bleeding may disappear altogether.

Your doctor may prescribe progestin-only birth control for cramping over combination contraception if you are breastfeeding, since estrogen may reduce your milk production. It's also recommended if you have certain health conditions that could worsen with high blood pressure since combination birth control has been shown to increase blood pressure whereas progestin-only birth control has not. 

If you're going the progestin-only route, your doctor will likely recommend the mini-pill, Depo-Provera shot, or hormonal IUDs such as Mirena.

You'll start to feel relief within 1 to 3 cycles

Each woman is different, but Gaither says you can generally expect to see a change in your period cramps within one to three cycles. 

The only way to determine which method will be right for you is to talk to your doctor. Since both the combination hormonal birth control and the progestin-only methods can reduce or prevent intense period cramps, you need to consider the side effects of each and make a decision that best fits your needs. 

Related stories about birth control:

• How long it takes for condoms, birth control pills, and other types of birth control to expire
• You can take Plan B up to 120 hours after unprotected sex, but that's not when it's the most effective
• Birth control pills can help treat acne, but some types are better than others
• There are three types of birth control. Here's how each type works and how well it prevents pregnancy
• You can get pregnant with an IUD but it's extremely rare

Join the conversation about this story »

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This is a preview of a five-part slide deck from Business Insider Intelligence. To learn more about Business Insider Intelligence, click here. 

The pace of change in financial services has never been faster. In only the first quarter of 2019, Apple Card sent a shock wave through the credit card space, FIS' $35 billion Wirecard acquisition set a record in the payments industry, and Fifth Third's acquisition of MB Financial minted a new top-five bank. 

Looking ahead, the mix of investor capital, sweeping global regulations, technological developments, and financial services globalization will promise to ignite more major developments before the year ends.  

The incumbent banking and payment providers presiding over this landscape will face a mounting challenge to keep up. Firms must stay ahead of technology demands, preserve their bottom lines, grow their customer bases, and stay on the right side of regulators. 

Meanwhile, fintech threats keep growing in scale and breadth, buoyed by disruptive business models, agility, an advantageous regulatory position, and low overhead. These companies are reaching ever further across the financial services value chain, from banking to insurance, wealth management, and payments. 

In THE FUTURE OF FINTECH 2019, Business Insider Intelligence's fintech research team analyzes the five most important megatrends reshaping financial services with detailed data, analysis, and and actionable insights for financial services providers. 

Here are some key takeaways from the 130+ slide deck:

• New geographical fintech centers, investor focus on late-stage mega-rounds, and the emergence of specialized fintech funds are driving a surge in funding.
• The global open banking movement, led by regulators in most countries and industry players in some, is reshaping financial services and winning strategies to take advantage of this shift are emerging.
• As fintechs and tech companies are broadening their payments and banking offerings beyond core services,  incumbent firms are forced to shore up their defenses.
• Increasing regulatory scrutiny is driving change in the financial services industry, making winners and losers of incumbents, entrants, and consumers. 
• Technologies like AI and blockchain are moving from hype to reality, creating threats and opportunities. 

In full, the deck:

• Analyzes the five largest megatrends shaping financial services
• Identifies the best-of-breed providers getting ahead of industry developments
• Outlines key strategies other firms can use to mirror their success

Interested in getting the full report? Here are two ways to access it:

1. Purchase & download the full report from our research store. >>Purchase & Download Now
2. Subscribe to a Premium pass to Business Insider Intelligence and gain immediate access to this report and more than 250 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >>Learn More Now

The choice is yours. But however you decide to acquire this report, you've given yourself a powerful advantage in your understanding of the fast-moving world of Fintech.

The companies mentioned in the report are: Apple, Alibaba, Amazon, Ant Financial, Bank of America, Barclays, BBVA, BNP Paribas, BPCE, Brex, Credit Suisse, Circle, Citi, Clover, Danske Bank, Facebook, Fidelity, Flipkart, Grab, Goldman Sachs, Google, HSBC, IBM, ING Lemonade, JPMorgan Chase, MarketInvoice, Monzo, MUFG, N26, Nubank, OnDeck, Paypal, Paytm, PensionBee, Plaid, Policybazaar, PNC, R3, RBS, Ribbit Capital Robinhood, TransferWise, Toss, Simudyne, SBI Holdings, Square, SoftBank, Starling, Viola Group, Wealthify, Wealthsimple, and Wells Fargo, among others

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• A Wall Street analyst says Oracle's "greatest opportunity" for growth is in cloud software applications, but it may take a long time for the tech giant to see a meaningful lift in that market.
• "This may be a multi-decade, slow-moving migration to the cloud and may be difficult for Oracle with substantial growth in any given year," Instinet analyst Christopher Eberle told clients in a note.
• Oracle is a leading provider of software installed in private data centers, but the cloud, which let businesses run networks on and access applications through web-based platforms, has disrupted the market it has dominated for decades.
• Oracle is a contender in the cloud applications market, although it faces stiff competition from the likes of Microsoft and Salesforce. Oracle shares slipped Friday after the company posted weaker than expected revenue.
• Click here for more BI Prime stories.

The cloud continues to be challenging for Oracle, but a Wall Street analyst says there's one arena where the tech giant could definitely kill it: cloud applications.

There's just one catch: growing that business could take a long time.

"We believe Oracle's greatest opportunity is with Cloud ERP," Instinet analyst Christopher Eberle told clients in a note. But "this may be a multi-decade, slow-moving migration to the cloud and may be difficult for Oracle with substantial growth in any given year."

Enterprise resource planning software refers to the applications that businesses use to perform different tasks, from managing inventory to monitoring financial transactions. Businesses, including big corporations, have generally accessed these applications through in-house data centers. That's a market that Oracle has dominated for decades, together with another enterprise software powerhouse, SAP.

But the rise of the cloud disrupted that market. It made it possible for businesses to set up their networks on web-based platforms run by the likes of Amazon, Microsoft and Google. It also gave rise to software as a service, which allows businesses to pay a subscription usually based on the number of users for access to applications.

While Oracle is not widely seen as a major player in the infrastructure and platform segments of cloud computing, it is a contender in the cloud software market where it offers a broad suite of applications. 

But the company is battling it out with other strong players. Microsoft controlled 17.2% of the $71.9 billion software as a service market in 2018 followed by Salesforce with 13.1%, according to Gartner. Oracle was third with 6.2%.

Shares of Oracle slipped nearly 3% to $54.99 in late Friday morning trades, after the company posted weaker than expected revenue.

Got a tip about Oracle or another tech company? Contact this reporter via email at bpimentel@businessinsider.com, message him on Twitter @benpimentelor send him a secure message through Signal at (510) 731-8429. You can also contact Business Insider securely via SecureDrop.

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