payments Archives

Tech Optimizer

July 1, 2026

Why Antivirus Is No Longer Just About Virus Protection

Antivirus software has evolved from focusing solely on detecting and eliminating computer viruses to providing comprehensive digital security solutions. The modern threat landscape includes advanced persistent threats, ransomware, phishing schemes, fraud apps, and AI-enabled cyber threats, necessitating a broader approach to cybersecurity. Current digital security systems must detect behavioral anomalies, protect user identities, monitor network activity, identify scam links, and provide multi-layered protection across various platforms. Contemporary antivirus solutions now incorporate AI-based threat detection, cloud intelligence, web protection, email security, identity protection, and ransomware monitoring, reflecting a shift from reactive measures to proactive prevention. Users are now active holders of digital identities, and antivirus software is expected to safeguard their entire digital lives.

Winsage

July 1, 2026

I love the PC, but I’m no longer a fan of Windows

Installing Windows 11 involves a complex setup process that emphasizes Microsoft accounts, OneDrive, and personalized advertising, making it feel more like an advertising campaign than a straightforward installation. Users are encouraged to create Microsoft accounts, with local accounts being less accessible. The installation prompts users to enable various services, which can be frustrating and intrusive. The Start menu has transformed to include recommendations and promotional content, cluttering its functionality. Microsoft makes it challenging to switch default applications, reinforcing reliance on its ecosystem. Windows 11 collects significant diagnostic data, raising privacy concerns, and users must actively seek to disable data collection features. Public institutions in Europe are considering alternatives to Microsoft due to these concerns. The trend towards subscription models, such as Microsoft 365, can feel burdensome for home users. Hardware requirements for Windows 11, including TPM 2.0 and Secure Boot, have rendered many older PCs obsolete. Despite criticisms, Windows remains a powerful operating system essential for many workflows. Linux is gaining popularity, especially among gamers, as a viable alternative. Users desire a less intrusive and more user-friendly version of Windows that restores their control over devices without constant interruptions.

Winsage

July 1, 2026

Steve Ballmer once trashed Linux as “a cancer” — now it’s saving Windows 10 holdouts

In 2001, Steve Ballmer, then CEO of Microsoft, referred to Linux as a "cancer" threatening Microsoft's intellectual property and likened its users to "communist thieves." By 2016, after Microsoft ported SQL Server to Linux, Ballmer expressed enthusiasm for the change and acknowledged that the conflict with open-source had benefited Microsoft's financial success. In 2020, Microsoft President Brad Smith admitted the company had been on the wrong side of history regarding open source and noted the need for change. Microsoft has since embraced open-source technologies, introducing products like Azure Linux 4.0, built on Fedora. As Windows 11's transition becomes difficult for users, advocacy groups have criticized Microsoft for ending support for Windows 10, which could lead to millions of discarded computers. Microsoft extended Windows 10's life through an Extended Security Updates program until October 14, 2026, with a recent announcement pushing it to 2027. Rising hardware costs and design flaws in Windows 11 have led some users to consider alternatives like Linux. A survey revealed that 30% of PCs are still running Windows 10, and a poll showed that 68% of respondents plan to stick with Windows 10 through 2027.

AppWizard

June 25, 2026

Google’s new rules for the app store will allow alternative billing next week

Google is overhauling its app store billing structure, moving away from the 30 percent commission rate. A tiered fee system will be introduced, allowing developers to potentially receive direct payments from users. Developers earning over one million dollars annually will have a reduced rate of 20 percent on new in-app purchases and 10 percent on subscriptions. Google is launching two new initiatives, the Games Level Up and Apps Experience programs, to reward developers who meet specific performance benchmarks and guidelines. Changes to the billing system will roll out in phases, with updates expected by the end of September 2026 and full implementation by September 30, 2027.

AppWizard

June 24, 2026

Grand Theft Auto 6 ‘VIP early access’ scam sites are already popping up, Malwarebytes warns

Grand Theft Auto 6 is set to release on November 19, with official preorders starting on June 25. Fraudulent websites are offering "VIP early access" for high fees, primarily in cryptocurrency. Malwarebytes has warned that these scams exploit the game's popularity, charging inflated prices for nonexistent access and mimicking legitimate platforms. The scams target younger audiences, using persuasive language to encourage impulsive decisions. Consumers are advised to be cautious, as there is currently no legitimate early access available.

AppWizard

June 23, 2026

Telegram’s ad business: How the messaging app makes money

Telegram has established an advertising model that focuses on monetizing public channels, selling ads based on channel topics rather than user identity. Revenue generated from ads is split evenly between Telegram and the channel owner, with no data-mining or behavioral targeting involved. The primary ad format is Sponsored Messages, which appear in public channels with at least 1,000 subscribers and consist of a text block and optional call-to-action button. Advertisers can purchase these ads through a self-serve portal without demographic targeting, ensuring no personal data is used for placements. Public channels are treated as independent units, with 50% of ad revenue going to channel owners, paid in Toncoin. Telegram's ad system has become more accessible by lowering minimum spend requirements. In addition to Sponsored Messages, Telegram is developing Mini Apps funded by its in-app currency, Stars. Regulatory scrutiny has increased, with various countries imposing bans or restrictions on Telegram for reasons related to content moderation and compliance, such as a temporary ban in India in June 2026 due to exam fraud investigations.

BetaBeacon

June 20, 2026

Epic Games Store 2026: $400M Record, 317M Users [AU]

Total revenue from the Epic Games Store reached .16 billion in 2025, up 6 per cent from .09 billion in 2024 and 22 per cent from 0 million in 2023.

AppWizard

June 18, 2026

India’s solution to entrance exam fraud: A temporary ban on Telegram

On June 13, 2026, the National Students Union of India (NSUI) held a protest in Hyderabad against alleged exam paper leaks related to the National Eligibility-cum-Entrance Test (NEET). The Indian government temporarily blocked access to the messaging platform Telegram to combat exam fraud, with the National Testing Agency (NTA) announcing the ban will last until June 22 and disabling the message editing feature until June 30. The NEET-UG exam was canceled on May 12, affecting approximately 2.2 million students, following allegations of a paper leak. Telegram channels were found soliciting payments for leaked exam papers, while the NTA denied any papers were available outside secured channels. Political ramifications included calls from opposition leader Rahul Gandhi for the resignation of Education Minister Dharmendra Pradhan. The Cockroach Janta Party organized protests nationwide demanding accountability for the examination discrepancies.

AppWizard

June 16, 2026

New Rokarolla Android Malware Steals PINs, SMS Codes, and Crypto Wallet Funds

Security researchers at Zimperium's zLabs have identified a new Android banking trojan named Rokarolla, which can target 217 banking and cryptocurrency applications and execute 137 remote commands. The malware spreads through deceptive websites that impersonate popular apps, installing a dropper that mimics Google Play Protect to gain Accessibility access. It uses overlay techniques to capture sensitive information by displaying counterfeit login pages and can intercept SMS messages, including one-time codes from banks. Rokarolla also features a keylogger, screen logger, and can rewrite clipboard contents to divert cryptocurrency payments. It employs advanced methods for discreet data capture and has multiple fallback command-and-control domains, making it resilient against takedowns. There is no patch available for this malware, and users are advised to install apps only from Google Play and remain cautious of unexpected Accessibility requests. Zimperium's products can detect this malware, and indicators of compromise are available on their GitHub repository.

AppWizard

June 8, 2026

Average pocket money received by children revealed by money app

Children aged seven to 18 received an average of £9.90 per week in pocket money from January to April 2026, reflecting a 1.2% increase from £9.78 in 2025. Girls earned an average of £9.89, while boys received £9.91. The consumer prices index (CPI) inflation rate was 2.8% in April 2026. Children in the South East of England had the highest average weekly pocket money at £12.88, while those in the East of England had the lowest at £8.57. The most common task for earning pocket money was tidying bedrooms, averaging £1.14, with music practice being the highest-paying chore at £1.84. The most popular savings goals among children were holidays, birthdays, and electronics. Grocery stores and supermarkets were the primary spending venues, followed by restaurants, clothing shops, transport, and health and beauty outlets. Children saved an average of £3.93 per week. The average weekly pocket money payments by age for 2026 were as follows: - Seven: £4.30 - Eight: £4.44 - Nine: £4.78 - Ten: £5.38 - Eleven: £6.46 - Twelve: £8.12 - Thirteen: £10.68 - Fourteen: £12.86 - Fifteen: £14.54 - Sixteen: £16.66 - Seventeen: £18.61 - Eighteen: £16.57 Average weekly pocket money payments by region from January to April 2026 were: - East Midlands: £9.47 - East of England: £8.57 - London: £10.02 - North East: £8.75 - North West: £9.74 - Scotland: £10.67 - South East: £12.88 - South West: £8.69 - Wales: £8.89 - West Midlands: £9.90 - Yorkshire and the Humber: £8.93 Popular tasks for pocket money payments in 2026 included: - Tidying bedroom: £1.14 - Helping around the house: £1.21 - Brushing teeth: £1.31 - Doing homework: £1.39 - Looking after pets: £1.42