Goldman Sachs Recommends 5 Stocks To Buy As It Updates About AI’s Role In The Music Industry
Goldman Sachs’s statements about the role of AI in the music industry in the future raise hopes for music shares. The investment company is optimistic about the structural change that is about to happen in the music industry.
Last month Goldman Sachs raised its estimates for the revenues regarding the music industry, where they predicted that the industry would be worth $94.9 billion by the end of 2023, and by 2023, it will be worth $153 billion. It described that AI would bring “significant opportunities” for the music industry in the next few years.
As per Goldman Sachs’ analysts’ claim on 28th June,
“Generative AI will super-charge music creation capabilities and improve productivity.”
Furthermore, regarding AI’s concerns in the music industry with fake syncing, the analysts claimed that many investors are overstating them.
The investment company named five stocks that are expected to remain in trend for a long time in the music industry. These are Universal Music Group, Warner Music Group, Live Nation, Believe, and NetEase. Goldman Sachs claims all five stocks as top stocks.
The Goldman analysts directed many eyes towards the music industry, as they added,
“We believe the music industry is on the cusp of another major structural change given the persistent under-monetisation of music content, outdated streaming royalty payout structures and the deployment of Generative AI.”
The analysts at Goldman Sachs reported that the music industry is properly set up to protect its intellectual property rights. This is because there are three large companies on the list that have already established in the industry for a protracted time.
The hopes for the music industry are lofty, as the new technology systems coming with AI will reportedly change the perception and the processes of music creation.
Read Also:
Tags:
Recent
Time Matters: The Role of Early Hazard Detection in Industrial Safety
Jan 20, 2026
Hidden Ignition Risks in Industrial Environments
Jan 17, 2026
Critical Thinking Exercises in the Digital Age and Emotional Intelligence Integration
Jan 14, 2026
Why Strategic Partnerships Matter More Than Ever
Jan 13, 2026
Related Articles
Instant Loan App: Top 25 Best Loan Apps Should You Know In 2023
With the rise in the level of digitization, there has been a simultaneous rise in the number of instant loan apps in the last few years. As per various sources, in the year 2022 itself, the demand for personal loans surged by 50% in the retail industry. However, a very interesting fact is that in the disbursement of personal loans, non-banking financial institutions were on top of banks. In this article, we will mainly discuss the top twenty-five instant loan apps that offer personal loans in 2023. These are the best loan apps that will allow you to avail of loans fast. However, these apps come with different types of service options, and the time of disbursal changes with the app. Hence, to get fully informed, read on through to the end of the article. The Best 25 Instant Loan Apps In 2023 The following are the best instant loan apps that you must look for before you try to avail yourself of personal loans fast in 2023: 1. Earnin If you are qualified to get loans in this app, you can get an emergency loan from this app if you are confident to pay it back. The advances are large. 2. Chime This is one of the best $50 Loan Instant Apps if you are looking for payday loans. However, lenders can still charge high interest. 3. Current The best thing about this app is that there are no overdraft fees associated with it. Furthermore, you can get overdraft protection of $200. 4. MoneyLion You can get an instant cash advance of up to $300 dollars, and you can also be able to access and improve your credit score. 5. Brigit This is one of the best cash advance apps. If you are an eligible member, cash advances are available to you between #50 and $250. 6. Dave This is one of the best $100 loan instant apps that you will come across. Cash advances start here at only $5, and there is also automatic overdraft protection. 7. Spotloan Once you do a SpotLoan login, they will inform you, "It’s an installment loan, which means you pay down the balance with each on-time payment.” It means that it is not a payday loan app. 8. Bright Lending You can get loans from $300 to $1000, but there are also triple-digit APRs, as well as short terms for repayment. 9. Cash App How to borrow money from Cash App? The Cash App borrow loan services allow you to use the app and access loans from multiple devices using the tag “$cashtag”. 10. MoneyLion With the help of Moneylion NYC, you will be able to avail of credit-builder loans without a credit check if you are a member. 11. SoFi The best thing about this loan app is that you can get even $5000 to $100,000 loans and can get your funds on the same day. 12. PayActiv You can get here early paycheck access, and also you will be able to get up to 50% of earned wages before your payday. 13. Even If you are eligible, you can get up to 50% of your earned wages early, and you can get budgeting tools to track your spending as well. 14. Branch Apart from getting 50% of your earned wages early, you will also benefit from no credit checks and zero-cost loans. 15. Grain If you have low credit scores, then this is one of the best loan apps for you. This is also great if you have a short credit history. 16. Vola If you are able to pay a monthly fee, with the help of Vola, you can permanently avoid overdraft fees with the help of instant cash advances. 17. Empower Borrowing a small number of finances can be easy with the help of the Empower Loan App. Furthermore, there are budgeting tools to track expenses. 18. CLEO The app uses AI to help you analyze your spending and help you by giving actionable insights as well. You can also avoid overdraft charges with the help of rewards and auto savings. 19. SoLo Once you apply for a loan here, you will get a soft credit check, which will not affect your credit score. However, based on the credit check, lenders will have a better idea in regards to lending their money to you. 20. Upgrade Personal Loans You can get fast loans with Upgrade, You can get loans up to $50,000. However, there is a high origination fee associated with the borrowing. 21. Varo Apart from being a loan app, this is also a bank account, which gives you an account with a minimum balance with no monthly charges or overdraft. Furthermore, the credit card option is also secure. 22. Albert According to Business Insider, “Albert is a financial app offering automatic savings tools, cash accounts, cash-back rewards, auto-investing, and much more.” However, you can get some customer service issues, as per complaints of borrowers. 23. LendJet Although not a direct lender, you can get access to a variety of lenders through this platform. Hence, it will be easier to look for personal loans from various options. 24. ZippyLoan Like the other platforms, ZippyLoan also offers you to choose from a variety of lenders. You can get loan amounts from $100 to $15,000. 25. Viva Payday loans You can apply for loans in this app without having a credit history for yourself. The loans are hassle-free, and you will get fast approvals as well. Summing Up Hope this list is informative enough to give you a better idea of the best instant loan apps in 2023. If you are trying to avail of fast loans, then you must try one of these apps mentioned above to get the best services. However, we will still recommend you read all the information related to availing of loans. This will give you a better idea of what services are offered by the loan app that you are taking a loan from. Which of the aforementioned loan apps do you think is the best option for you? Share your reviews with us in the comments section below. Read Also About: Credit Card Frauds and What You Can Do to Avoid Them Home Credit: Information, Eligibility Criteria, Interest Rates, Review & More
Apr 20, 2023
Speed Up Your Funding: A Quick Guide To Business Loans
Business owners have many lending options, from traditional banks to digital lenders. Despite these lenders having similar requirements, the process isn't the same. So, you might feel like your loan approval is taking too long. For instance, a traditional bank can have you waiting more than two months. It's even more troubling when you have financial emergencies. If that is your financial situation, here's what you can do to speed up your next business loan. How to get Small Business Loans Fast Consider the Type of Loan and Lender Not all loans can take a day or less. Some have an arduous process from the day you send your loan application. For others, such as secured loans, immediately apply, and you get your money in days. Since your asset is the loan security, you only need to present it for valuation, provide original documents to prove ownership, and fill out an application form. You’ll also experience fast processing time when you apply for unsecured loans, such as personal installment loans. As you discover various lending options, match the lender to the business need. That way, you'll apply for a loan that comes out fast to meet the specific business need. For instance, if you need quick cash for the day-to-day operations of an existing business, it's different from borrowing to set up a new business. Understand the Application Process of the Lender For example, if you're looking for a mortgage, you'll have to submit a few documents. These include financial statements, proof of business incorporation, and tax returns. It's the same with business loans, as the lender needs to see your financial and repayment history. You require fewer documents for some loans, such as payday loans. For such, the lender may ask for pay stubs only to prove you have an income. But when getting title and auto loans, you have to prove you own the asset. If you're dealing with a land-based lender, submission is physical. It might take longer than when dealing with an online-based lender. Be Reachable Be easy to contact, whether the lender will reach you through email or phone. It helps to work with a lender who knows or handles applications from borrowers in your industry. On top of that, it's easier when you create a rapport with your lender. Hence, repay your loans within the repayment plan. Check Your Loan Eligibility Loan requirements vary. Therefore, you have to follow the process specified by the lender. If you miss some details while filling out your application, your loan approval will take longer. Also, you might have to redo the whole process. It's also wise to check whether you qualify for the loan. For instance, if the loan requires a good credit score, and you have defaulted payments recently, applying for such a loan is spending time you could have used to find a loan suited to your low credit score. Use Online Lenders Most quick cash loans have countless online lenders. For example, if you're looking for a payday or auto loan, you only need to search for lenders in your state. If one lender rejects your application, you can try other digital lenders. Plus, they digitize repetitive tasks to save time for borrowers and employees. For example, while you may have to present duplicate or triplicate copies of documents while applying for a loan the traditional way, you only need digital copies while using online lenders. Additionally, digitization minimizes errors that may delay your application when doing it the traditional way. They may also use a checklist to confirm you've submitted all required. If not, you can't click to submit your application. Improve Your Credit Score Your credit score can delay loans from banks and credit unions. Therefore, if you're planning to take a loan in the future, work on your current repayments. Link Your Business Bank Account Your lender will ask about your finances, loans, debts, etc. To reduce the time it takes for such communication, link your business bank account to your loan application so that the lender can get all the information fast. Fill out the Application Accurately It'll take longer to get your loan if you leave out information the lender considers mandatory. Also, if you fill the documents dishonestly, your application will be rejected, or you'll have to verify the details first. Final Thoughts There are several steps to getting your business loan. These requirements might be similar across lenders, but the time it takes to process your loan will vary. As such, if you're looking to hasten the process, first compare lending options. Next, understand the requirements and submit all the documents they need. Then, as you wait for your loan, ensure your lender can reach you fast if necessary. Additional: Guaranteed Issue Life Insurance: Is it Worth It? How To Get A Mortgage As A Small Business Owner Tips to Update Your Manufacturing Business through CNC Machines SRNG Stock – Present Price, Forecast, Statistics – Should You Invest In It In 2022?
Jan 20, 2023
SmartCoin: Information, Eligibility Criteria, Interest Rates, Review & More
Smart Coin brings the easiest opportunity for people with low levels of income to afford short-term personal loans. Whether you are self-employed or a salaried worker, you can take short-term personal loans from this app-based loan service that works with RBI-registered NBFCs. However, what are the eligibility criteria for getting a smart coin loan? Is it safe? What do other customers who have taken loans from them have to say about Smart Coin? Calm down, I know you have all of these questions. But, once you give this article a read, you will learn about all that you need to know. So, without any delay, let us start. What Is A Smart Coin? No, it is no cryptocurrency; the name might make you think of it as a cryptocurrency, but in reality, it is an app-based consumer lending platform. The platform partners with RBI-registered NBFCs to offer short-term loans to salaries, individuals, and freelancers. Their vision is to address different concerns in the consumer loan sector in India. Although it started as a small lending corporation, its vision of micro-lending is evolving towards a larger dream. Their full suite offering will include gold savings, insurance, and more. They have more than 1 crore customers across India and more than 1700 CR disbursed in loan amount. SmartCoig gives you small amounts of loans for a short-term tenure. You can take loans of 1000 rupees to 70000 rupees that last for a tenure between 91 days to 270 days. But the loans come with a minimum interest rate of 20% and a maximum interest rate of 36%. Also, the platform is based on a patented algorithm, which helps the customers to do risk assessments before availing of their loans. The seamless online application of the Smartcoing app makes it easier for borrowers to get a loan. Once their application is deemed eligible, the money will be transferred to their account instantly. Read More: How To Get Personal Loan On Bajaj Markets? What Are The Offerings Of Smart Coin? So what does the SmartCoin platform offer to its borrowers? Here are the different offerings of the smart coin lending software – Instant Personal Loan Now, you can get a loan within an instant. With smart coins, customers can get instant personal loans in their smartphones within a few minutes. Yes, the process is digital, but your security is not compromised. It is completely safe. All you need is for your application to get approved. Gold Rewards Not only loans but you can also be rewarded based upon how good of a borrower you are. Once you repay your loans timely and refer the platform to your friends for similar use, you will get gold rewards. Is not that amazing? Gold Savings The platform also offers 99.95 pure digital gold helping you to save and grow your saving. You can save a minimum of 10 rupees on 24K with the gold savings offerings of SmartCoin. It is undoubtedly one of the best opportunities for those looking for a reward savings option within a lending platform. Credit Score Your credit score can put a good impression on your financial graph. That is why you need to have a good credit score. Smartcoin lets you check your credit score from the Credit Score Bureau for free. This is what you need to stay disciplined financially. Why Should Take Smart Coin Loans? My point exactly. You can take loans from other lenders or lending partners. But why smart coin? Go through the points to know the benefits of taking loans from SmartCoin – This a collateral-free loan-providing platform: In other words, you don’t have to provide any collateral when applying for loans in Smart Coin. So, if you are thinking of borrowing some money, you don’t have to arrange money to pay collateral when applying for loans. Repeat loan is easier with Smart Coin: If you have repaid your loan and want to avail of another loan from smart coin, they don't need you to submit the documents again. Once you have submitted your documents, it stays with them, and you can apply for a repeated loan without resubmission of your documents. The easy application process for borrowers: most banks and loan providers make the application process way too hectic. Going through all that difficult process only to get your application rejected is exhausting. But, with smart coins, the process is quite simple. They require only some minimal documents for the application. Direct Fund transmission: The application needs only a few minutes to be approved. Once approved, the fund gets transferred to the borrower’s account directly. As a result, you don’t have to wait around for days or weeks to get your loan approved and transmitted during a crisis. Who Is Eligible To Use Smart Coin App? If you want to avail of a loan from Smart Coin, you need to fulfill the below-mentioned eligibility criteria - Applicants need to be at least 23 years old to apply for a loan. The loans are only available to Indian residents. People who can apply for a loan are usually salaried individuals, business owners, and support executives. Applicants should have a minimum monthly income of 15000. Documents You Need To Apply For Smart Coin Loans You need the below-mentioned documents to apply for a loan at the Smart Coin platform – Bank statement Selfie of applicant Address Proof PAN card How To Use Smart Coin App? So, how to use the Smart Coin App? Here are the simple steps that you need to follow for that – First, go to your App Store or Google Play Store to download the app on your smartphone. Users can log in to the app using their Facebook or Google accounts. Now, they have to fill in the application for the loan. Now, they must upload the documents required for the approval of the loan. Once the application is approved, users will get the fund transmitted directly to their bank account. You should follow these steps to get your loan funded in your bank. However, if you need more help, you can contact us through smartcoin customer care number ( Toll Free: 91483 80504). Read More: StashFin Personal Loan Review – Interest Rates, Loan Amount, Eligibility, And More Bottom Line So, that was all the important info you needed to know on Smart Coin. This article can help you install, use and apply for loans on Smart coin. You can use the how-to-use section for smartcoin login also. Hopefully, this article was helpful. However, if you have more queries, please let me know in the comment section. I will get back to you ASAP. Read Also: FlexSalary: Information, Eligibility Criteria, Interest Rates, Review & More Dhani Loans & Services Limited – Background And Services NIRA Instant Personal Loans: Are They Really Instant?
May 11, 2023
Family Budgeting 101: Tools And Tips For Managing Household Finances
If you’re the breadwinner, you’re likely very well aware of the financial challenges of raising a family. From staying on top of bills to keeping your kids healthy and happy, there’s a constant push-and-pull of financial responsibilities that requires constant analysis on your part to resolve. In some cases, it can feel all too easy to just buckle down and fall behind financially. However, formulating a foolproof family budgeting strategy is indeed a possibility, regardless of how your finances currently stand at present. This can come in various forms, from cutting down on unnecessary costs to using tools to help break down your household’s cash flow. Here are some tools and tips to help you manage your household finances more effectively. 1. Track your budget If you don’t have a budget tracker for your household, prioritize creating one as soon as you can. A financial tracker is one of the easiest ways to get a good look at your finances, whether it’s your income or bills. This is not only useful in a corporate-level setting, but it’s also helpful for households in monitoring their cash movements. Some trackers even enable users to create financial ratios to help provide them with a clearer picture of their financial standing. For instance, some trackers have an emergency fund ratio, a ratio that measures how easy it is for liquid assets to be converted to cash in a pinch. There’s also a savings rate, which is a percentage of how much money you saved over how much you spent on a given period, typically a month. More often than not, budget trackers are used for the simple stuff, namely, inputting your income and expenses. Forming a habit of updating your budget helps keep you mindful of your spending patterns, which can help you make more informed decisions for future spending. 2. Utilise digital tools Technology has seeped its way into every corner of daily life, and in the realm of financial tracking, this is no different. In fact, many software tools and applications today can streamline the budgeting and tracking process, turning what may be minutes or hours of mind-numbing work into mere seconds of computerized processing. This calculator from Westpac is one such tool, among many other budget calculators, that can help you crunch data and project how much money you’ll need before you reach a financial benchmark. Furthermore, some tools can help keep you informed and notified about any issues related to your finances. For instance, some apps can remind you when your latest bills are due. Other apps can also provide an easy-to-read graph of your expense breakdown. Budgeting is a comprehensive activity that involves a lot of moving parts. There’s bound to be a digital app or extension that helps make that one budgeting process much easier and more approachable. Some good budgeting apps to help start you off include Mint, YNAB, and Quicken. 3. Set budget goals Every family has different budget goals that set them apart. Some families may be saving up for a new car, while other families are saving up to buy a new house. A few households may not have such grand purchases in mind and would rather climb out of a hole of debt. Having a goal is important because it gives you a target to aim for. The presence of this goal allows you to reverse engineer your decisions and strategize your financial behavior to actualize that goal. If the financial goal seems like a far-off fantasy, you can start breaking it down into smaller and more achievable chunks. You can establish figure-related milestones, like saving a certain amount each month or lowering your weekly expenditures. By having these short-term goals, you can find it easier to track your progress and adjust your purchase behaviour accordingly. 4. Pay off your debts immediately Financial management isn’t only about saving money and boosting your income—it also requires proper debt management. Debt, on its own, isn’t inherently bad. If you can guarantee that you can pay it on time, then having this infusion of funds in your hands can be used to pay off bills and other critical expenses. That said, having unpaid debt can be disastrous for your financial health. For instance, unpaid credit card and loan dues can incur high interest rates over time. Some loan types may also require borrowers to pay late fees for delayed payments. These can all add up, especially if you let the debt run for multiple months. So as soon as you earn income or receive money, be sure to pay off these debts immediately, starting with the debts that have been around the longest. 5. Uphold family financial values Family financial management is a team effort. You don’t want to be the only one restricting your spending while your spouse and/or children splurge for whatever they want, especially if they’re dependent on your income. As such, you should teach your kid key financial values as early as possible. Teach them the scarcity of money, the value of money, the importance of saving, the importance of holding off from wants, and other healthy money habits. You should also communicate finances with your spouse honestly and openly. Being on the same page is important for not just your financial health, but also your relationship at large. This can promote harmony and stability within the family unit, as well as foster the right foundation for proper money management. 6. Minimise unnecessary spending It’s crucial for all members of the family to commit to lowering their spending. Living below your means can seem tough, but it can be approached in several ways. For instance, instead of buying lunch in the cafeteria or at restaurants, just prepare a packed lunch from home. Also, avoid buying random snacks and drinks throughout the day. You should also look into your monthly subscriptions and see if there are any monthly payments you’re making that aren’t being used. Cancel these unused subscriptions, and urge your family to do the same. Furthermore, find ways you can lower your expenditure by buying things at lower rates. You can use discounts, coupons, and vouchers to lower the cost of products and services that you and your family need. Being proactive and scouring for these discounts through email newsletters or partnered websites can be a good way to score a good deal. 7. Be flexible Here’s a cold, hard truth: things will never always go as planned. Emergencies can and often will happen, and many of these emergencies are capable of wiping a significant portion of your savings away. As such, it’s important to develop contingency plans in your budget in case these events do occur. For starters, you can try to make an emergency fund as a financial cushion in case a sudden bad event happens. Besides that, always be mindful of your and your family’s lifestyle habits and make the necessary financial adjustments. If you find that your savings rate is decreasing month-on-month because of added expenses, for instance, you may have to think hard and reevaluate your budget’s goals. Being flexible is an important value to possess to be able to navigate financial difficulties effectively. Sticking with one goal stubbornly when the situation around you changes can spell your downfall, so be receptive to change and be prepared to call new shots. Read Also: A Brief Guide To Business Integrated Planning Maximizing Tax Refunds: Tips And Tricks For Canadians Seven Potential Tax Credits Available To Small Businesses In 2023
Dec 20, 2023