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How to protect yourself against financial fraud as a newcomer in Canada
As a newcomer in Canada, your financial security is of prime importance. However, fraudsters and scammers recognize that newcomers can be easy targets, as they don’t necessarily have the information needed to protect themselves against fraud. Being in a new country, you may not be aware of the ways in which financial fraud occurs, how to identify fraudulent situations, or where to report fraud. This article gives you an overview of the various types of financial fraud and scams that occur in Canada and provides valuable tips to help protect you against financial fraud as a newcomer. Recognizing common financial fraud and scams in Canada Phishing emails or text messages Phishing emails or text messages are often designed to look like they are from a source or website you trust, like your bank or an online store. The sender will ask you to click on a link or download a file, or will try to create a sense of urgency, such as saying there has been some suspicious activity from your account or that you need to update your payment information to keep your account active. Be sure to check the email address the email originated from. If the domain name doesn’t match the organization’s name, it’s likely a phishing attempt. Other red flags can be bad grammar, a generic greeting, or unsolicited attachments in the message. If you suspect that an email or text is fraudulent, call the organization to verify before clicking on any links or sharing any personal information. Generally, Canadian banks will never ask you to share personal information, such as account numbers or Social Insurance Number (SIN), over email or text message. Debit or credit card fraud Debit or credit card fraud happens when someone steals your credit card, PIN, or bank card information and uses it to make purchases or withdrawals from your account. Fraudsters can use different ways to get your credit card information, including stealing bank statements from your mailbox or garbage, hacking into company databases to steal information, prompting you to use your credit card on a fake website, or through phishing emails. You can prevent debit and credit card fraud by keeping your credit card and personal information safe. Check your bank statements or banking app regularly to ensure that you can identify all the transactions. If you think you have been a victim of credit card fraud, call the phone number on the back of your credit card immediately to get in touch with your bank and lock your card to avoid additional fraud. Immigration and citizenship fraud There are several private immigration consulting organizations that specialize in helping newcomers come to Canada. However, if you come across a website that asks you to pay for immigration or application forms or guides that are otherwise available for free on the Immigration, Refugees, and Citizenship Canada (IRCC) website, it might be fraudulent. You may also receive fraudulent phone calls or emails from someone posing as an immigration or citizenship service provider, claiming that they can guarantee entry into Canada, provide jobs, or fast-track your immigration processing for a fee. Never share your financial details with such organizations without contacting the website owner and checking online reviews to confirm the legitimacy of the business. Also, learn about the immigration and citizenship process so you can identify fake claims. Employment fraud While looking for a job as a newcomer in Canada, be on your guard against fake “employment agencies” who ask you to pay for “training” in order to get a job or promise you a guaranteed job if you pay a large upfront fee. Legitimate recruiters or agencies in Canada will never guarantee job placements or force you to undergo mandatory training. Typically, when employers use external recruiters or agencies to find candidates, the organization, not the candidate, pays the agency’s fee. Fake phone calls from “CRA” or tax fraud Many newcomers receive fraudulent phone calls from someone claiming to be from the Canada Revenue Agency (CRA) or Service Canada. Typically, the caller (or recorded message) will state that you have unpaid tax liabilities or that your Social Insurance Number (SIN) has been compromised. In some instances, scammers may even claim there is a warrant out for your arrest, which can be quite alarming. They may ask you to share your SIN number or make a payment through wire transfer, bitcoin, or prepaid gift cards. These callers are often aggressive and use threatening language to scare the recipient. In a variation of this type of fraud, the caller (supposedly the CRA) will claim that you’re entitled to a tax refund and will need to share your banking information to get it. The CRA typically contacts individuals by message in their secure online portal, so if there is an issue with your tax return, you will see a message about it there. If you’re unsure about the legitimacy of a call, hang up and call the agency to verify its authenticity. Educate yourself on the ways legitimate government agencies can contact you and the questions they may ask. Pyramid or Ponzi schemes A pyramid scheme is a business model where you’ll be offered payment or commission for enrolling other members, rather than for selling actual products or services. You’ll be asked to pay an upfront “membership fee,” with promises of being able to turn a profit once you start bringing in more members. A Ponzi scheme is a type of fraud where you’re lured into investing money with the promise of very attractive dividends. In reality, your money is not being invested anywhere and is instead being used to pay “dividends” to other investors. Investors may receive lucrative dividends for some time until the pool of new investors dries up. If the promised returns seem too good to be true, it may be a Ponzi scheme. Be sure to carefully vet investment opportunities or speak to your financial advisor before making any investments. Catphishing or romance fraud If you’re active on dating sites or apps, keep an eye out for romance fraud. Catphishing, or catfishing, is when a person pretends to be someone else online, using a fake name, photograph, or story. A fraudster may spend time talking to you online, and once they’ve established a romantic connection, they’ll ask you for money, claiming that they need it to help a sick relative or get over a bad stretch. In some cases, the scammer may even meet you in person to make the relationship seem more legitimate. Fake computer virus or ransomware In this type of scan, the victim gets a call or email claiming that their computer has been infected with a virus. The scammer may ask for money to remove the virus or could try to access personal information and passwords through their device. Be sure to install an anti-virus to protect your laptop and mobile device. Fake prizes If you receive a message, email, or phone call saying you’ve won a prize for something you don’t remember participating in, it’s probably a scam. Fraudsters may use this opportunity to collect your personal information or verify your contact details, so avoid responding to such messages or sharing any information. If you’re unsure about the legitimacy of the prize, check the organization’s website to confirm whether the contest or offer is real. Tips to protect yourself against financial fraud as a newcomer Financial fraud can impact your financial stability and, as a newcomer, it’s important to safeguard yourself against potential threats and fraudulent activities. Here are some key things you should keep in mind to protect yourself against financial fraud: Keep close track of finances. Review your bank account, credit card statements, and credit report regularly and report any inconsistencies early. If you’re unsure about what to look for, speak to a financial advisor for more information. Protect your personal and financial information. Change your banking passwords often and don’t write them down. Keep your credit card and credit card information safe, and don’t use your credit card on untrustworthy websites. Don’t share your personal or financial information, including your SIN, unless you know why it’s needed and how it will be used. Educate yourself on who can ask for your SIN or credit history, and only share this information if it’s absolutely necessary. Learn to identify fraud. If an offer seems too good to be true, it’s likely fraudulent. Always review the terms and conditions of the service or financial product you’re purchasing before making any payments. Borrow only from trustworthy financial institutions. Credit is an essential part of Canada’s financial ecosystem. Financial institutions like banks, credit unions, mortgage providers can provide you with credit to cover your expenses. Avoid going to illegitimate local lenders or payday loan providers as they could misuse your financial information or lead you into debt. Verify suspicious phone calls or emails and report fraud. If you’re unsure about the legitimacy of an email or call you received, check for signs of phishing or contact the organization or agency to verify whether the information is accurate. Don’t share your financial or personal information with anyone or click on any links until you’ve verified the authenticity of the message. If you suspect that you’ve received a fraudulent phone call or email, report it to the Canadian Anti-Fraud Centre by telephone at 1-888-495-8501, through their website, or by email (info@antifraudcentre.ca). If your SIN has been stolen, report it to Service Canada at 1-866-274-6627 as soon as possible. Keep your laptop and mobile devices safe. Never give physical or virtual access to your devices to someone who isn’t an authorized service professional or someone you didn’t contact for service or repair. Your devices may contain saved passwords, login details, or other personal information that fraudsters can extract and misuse. Always wipe your devices by restoring factory settings before selling or scrapping used laptops or mobile phones. As a newcomer in Canada, receiving phone calls from someone posing as a CRA official can be alarming. By learning to recognize common financial scams and verifying potentially fraudulent claims, you can safeguard yourself against fraud. Remember, by reporting fraudsters, you are protecting not just yourself but also countless others who may otherwise be targeted by financial scams. Original article located here, published by Arrive. About Arrive Arrive is powered by RBC Ventures Inc, a subsidiary of Royal Bank of Canada. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada. An important part of establishing your financial life in Canada is finding the right partner to invest in your financial success. RBC is the largest bank in Canada* and here to be your partner in all of your financial needs. RBC supports Arrive, and with a 150-year commitment to newcomer success in Canada, RBC goes the extra mile in support and funding to ensure that the Arrive newcomer platform is FREE to all. Working with RBC, Arrive can help you get your financial life in Canada started – right now. Learn about your banking options in Canada and be prepared.
Striking a chord! New Savannah museum tells the storied history of Gretsch instruments
Drums, guitars, history, business and education have come together in a spectacular new interactive museum and exhibit in downtown Savannah that will pique the interest of any music lover. That Great Gretsch Sound! museum is a new destination where Georgia Southern University helps tell the story of a family-owned company that is still regarded as one of the music industry’s most influential and innovative instrument manufacturers. The permanent display of music memorabilia, highlighting more than 135 years of Gretsch instruments, is featured in District Live’s new lobby and performance space on the banks of the Savannah River. The museum is the latest addition to the Plant Riverside District. The museum’s opening was recently featured in Premium Guitar : The exhibit space highlights some of the most popular and unique pieces of Gretsch's historic catalog. The museum lobby features some of the most iconic instruments the company has produced, including the White Falcon™, the Chet Atkins® Country Gentleman®, a Brian Setzer Signature G6120, and a vintage 1963 Jet™ Firebird popularized by AC/DC's Malcolm Young. In the District Live performance hall, visitors will be treated to a visual timeline that will allow them to explore the evolution of Gretsch instruments dating back to the 1920s. Approximately 100 guitars are on display in the exhibit, 48 of which were recently on display in Nashville's Country Music Hall of Fame. The museum was developed through a special partnership between the Fred and Dinah Gretsch School of Music at Georgia Southern University and The Kessler Collection. In addition to the instruments that line the performance hall and upper section of the lobby, the museum features three sound dome displays with original videos that highlight Gretsch history, instrument production, the worldwide community of past and present Gretsch artists from Chet Atkins and George Harrison to Phil Collins, and the family's storied commitment to music education. Several other display cases take guests on a visual journey from Gretsch's beginnings as a local manufacturer of calf-skin drums, banjos, and accordions to one of the most popular and sought-after producers of guitars and drums during the height of the Rock & Roll era. Downtown Savannah is now helping tell that Gretsch story. The Gretsch museum includes Gretsch instruments and storyboards with QR code links to detailed narratives. "We hope this new museum will preserve the long history and legacy of the Gretsch Family and the Gretsch Brand," Dinah Gretsch said. "It is wonderful to share our history with the city of Savannah, the loyal Gretsch fans and all the tourists that will visit the museum." The museum's artifacts were curated and installed by Aaron Phillips, Georgia Southern's project curator for the Fred and Dinah Gretsch Artifacts Collection. Through his research to prepare the museum, he is confident that the Gretsch Museum will provide a unique musical experience. "My goal was to create a space that is expressive, inspirational, and true to the roots of the Gretsch family and community," Phillips said. "I am in awe of how this turned out!" To learn more – the full media release from Georgia Southern is attached below: If you’re a journalist looking to cover That Great Gretsch Sound! – then let us help. Aaron Phillips, Georgia Southern's project curator for the Fred and Dinah Gretsch Artifacts Collection is available, simply reach out to Georgia Southern Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.
Last Friday, Georgia Southern officially opened its new Engineering and Research Building for students and researchers, a facility that will serve as the epicenter for engineering excellence and innovation in southeast Georgia. The building is designed to facilitate academic and institutional partnerships, inspire creative engineering and accelerate academic success for students in the College of Engineering and Computing. Through the instructional research labs and academic spaces that bridge theory and practice, students will be prepared to solve today’s challenges and to make tomorrow’s discoveries. “Today marks the culmination of years of forethought and investment from a number of state leaders, industry leaders and local advocates, who paved the way for us to be here,” said Georgia Southern President Kyle Marrero. “Leaders who, dating back to the 90s, could see the future of a growing industry, a state on the precipice of being a national leader in technology and innovation, and a critical need to develop talent in applied engineering across south Georgia.” The Engineering and Research Building’s sleek, contemporary environment defined by glass and natural light, soaring high-bay ceilings and modern, industrial feel is strengthened by new, industry-relevant equipment, instrumentation and technology that encourage active learning and sustainability. The highly efficient facility includes sustainable features that complements existing spaces on campus. The three-story building houses applied research spaces with a strong focus on manufacturing engineering, civil engineering, electrical and computer engineering, and mechanical engineering. The workspaces can be easily reconfigured for various uses, projects and applications and provide students with access to industry-grade equipment as well as expanded opportunities for undergraduate research. “The investment of the Engineering and Research Building solidifies Georgia Southern University’s commitment to students in providing a world-class education in the engineering field, while providing the space and resources necessary to facilitate such,” said student Kristifer Bell. “I am enthusiastic to continue my research work and look forward to the interdepartmental collaboration that will be encouraged through the housing of new student and faculty labs under one roof.” The full media release about this historic occasion is attached – and if you are a journalist looking to know more about this facility or Southern Georgia University -- simply reach out to Georgia Southern Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to set and time and date.
Best-selling author Peter Singer talks with the Brunswick Review about winning the increasingly crowded and contentious war for attention What do Isis and Taylor Swift have in common? According to author and digital-security strategist Peter Singer, both the terrorist organization and pop star are fighting for your attention online and employing similar tactics to try and win it. ISIS kicked off its 2014 invasion of Mosul with the hashtag, “#AllEyesonISIS.” More recently, the terror group posted photos of its members holding cute cats in an effort to make them more relatable – tactics familiar to most celebrities and online marketers around the world. These online battles, the rules governing them, and their real-world impact are the focus of Mr. Singer’s latest book, LikeWar, which he coauthored with Emerson T. Brooking, at the time a research fellow with the Council of Foreign Relations. “A generation ago people talked about the emergence of cyber war, the hacking of networks. A ‘LikeWar’ is the flip side: the hacking of people and ideas on those networks. Power in this conflict is the command of attention,” says Mr. Singer, who in addition to his writing is also a strategist and Senior Fellow at the New America Foundation. Pretty much everyone who posts online – from governments to marketers to reality TV stars – is a combatant in this fight for virality, according to Mr. Singer. Triumph in a “LikeWar” and you command attention to your product or propaganda or personality. Lose and you cede control of the spotlight and the agenda. Mr. Singer recently spoke with Brunswick’s Siobhan Gorman about the trends he’s seeing in LikeWars around the world, and what companies can do to avoid being on the losing end. What were you most surprised by in researching LikeWar? One of the more interesting characters in the book was at one time voted TV’s greatest villain: Spencer Pratt, a reality TV star on MTV’s “The Hills.” He’s basically one of these people who became famous almost for nothing. But what Pratt figured out really early was the power of narrative, which allowed him to become famous through, as he put it, “manipulating the media.” In the same week, I interviewed both Pratt and the person at the US State Department who’s in charge of the US government’s efforts to battle ISIS online. And Pratt, this California bro who’s talking about how to manipulate the media to get attention, understood more of what was playing out online than the person at the State Department. Spencer Pratt, a reality TV star… understood more of what was playing out online than the person at the State Department.” How much have online conflicts changed the rules in the last few years? First, the internet has left adolescence. It’s only just now starting to flex its muscles and deal with some of its responsibilities. The structure of the network changes how these battles play out. So, it’s this contest of both psychological but also algorithmic manipulation. What you see go across your screen on social media is not always decided by you. The rule makers of this global fight are a handful of Silicon Valley engineers. Another aspect of it is that social media has effectively rendered secrets of any consequence almost impossible to keep. As one CIA person put it to us, “secrets now come with a half-life.” Virality matters more than veracity; the truth doesn’t always win out. In fact, the truth can be buried underneath a sea of lies and likes. And the last part is that we’re all part of it. All of our decisions as individuals shape which side gets attention, and therefore which side wins out. But you highlight that this is playing out differently in China. Exactly. There are two different models shaping the internet, and shaping people’s behavior through the internet, playing out in the West and in China. Essentially, internet activity in China is all combined. Look at WeChat, which is used for everything from social media to mobile payment; it’s Amazon meets Facebook meets Pizza Hut delivery. And you combine that with an authoritarian government that’s had a multi-decade plan for building out surveillance, and you get the social credit system, which is like Orwellian surveillance crossed with marketing. The social credit system allows both companies and the government to mine and combine all the different points of information that an online citizen in China reveals of themselves, and then use that to create a single score – think of it as your financial credit score of your “trustworthiness.” For example, if you buy diapers your score goes up, because that indicates you’re a parent and a good parent. If you play video games for longer than an hour your score goes down because you’re wasting time online. And it’s all networked. Your friends and family know your score. It creates a soft form of collective censorship; if your brother posts something that’s critical of the government, you’re the one who goes to him and says, “Knock it off ’cause you’re hurting my score.” And you do that because the score has real consequences. Already it’s being used for everything from seating on trains and job applications to online dating. Your score literally shapes your romantic prospects. So, you have this massive global competition between Chinese tech companies and other global tech companies not only for access to markets, but also for whose vision of the internet is going to win out. How can companies win a “LikeWar”? Everyone’s wondering: What are the best ways to drive your message out there and have it triumph over others? The best companies I’ve seen create a narrative, have a story and have emotion – in particular, they have emotion that provokes a reaction of some kind. It’s all about planned authenticity. That sounds like a contradiction, but it’s about acting in ways that are genuine, but are also tailored because you’re aware that the world is watching you. A good comparison here is Wendy’s versus Hillary Clinton. Wendy’s is a hamburger chain – not a real person – but it acts and comes across as “authentic” online and has developed a massive following. They’re funny, irreverent. Yet Hillary Clinton – a very real person – never felt very authentic in her online messaging. And that’s because it involved a large number of people – by one account, 11 different people – all weighing in on what should be tweeted out. Inundation and experimentation are also key. Throwing not just one message out there, but massive amounts of them. Treating each message as both a kind of weapon, but also an experiment that allows you to then learn, refine, do it again, do it again, do it again. How do you measure and gauge battles online now? Is it just volume? It all depends on what your battle is, what your end goal is. Is it driving sales? Is it getting people to vote for you, to show up to your conference? This is what the US gets wrong about Russian propaganda and its disinformation campaigns. We think they’re designed to make people love or trust a government. From its very start back in the 1920s, the goal of propaganda coming from the Soviet Union, and today Russia, has been instead to make you distrust – distrust everything, disbelieve everything. And we can see it’s been incredibly effective for them. First, we need to recognize that we’re a part of the battle. In fact, we’re a target of most of the battles. How effective have disinformation campaigns actually been in the US? What can be done? One of the scariest and maybe saddest things we discovered is that the US is now the story that other nations point to as the example of what you don’t want to have happen. There’s no silver bullet, of course. But one example was something called the Active Measures Working Group, a Cold War organization that brought together the intelligence community, diplomats and communicators to identify incoming KGB disinformation campaigns and then develop responses to them. We’re dealing with the modern, way more effective online version of something similar, and we haven’t got anything like that. There are also digital literacy programs. I find it stunning that the US supports education programs to help citizens and kids in Ukraine learn about what to do and how to think about online disinformation, but we don’t do that for our own students. What can people like you or me do? First, we need to recognize that we’re a part of the battle. In fact, we’re a target of most of the battles. And we need to better understand how the platforms work that we use all the time. A majority of people actually still don’t understand how social media companies make money. The other is to seek out the truth. How do we do that? And the best way is to remember the ancient parable of the blind man and the elephant – don’t just rely on one source, pull from multiple different sources. That’s been proven in a series of academic studies as the best way to find the facts online. It’s not exactly new, but it’s effective. Where will the next online war be fought? The cell phone in your pocket, or if we’re being futuristic, the augmented reality glasses that you wear as you walk down the street. It’ll come from the keepsake videos that you play on them. If you want to know what comes next in the internet there have always been two places to go: university research labs and the porn industry. That’s been the case with webcams, chat rooms and so on. What we’re seeing playing out now are called “deep fakes,” which use artificial intelligence to create hyper-realistic videos and images. There’s also “madcoms,” which are hyper-realistic chat bots that make it seem like you’re talking to another person online. Combine the two, and the voices, the images, the information that we’ll increasingly see online might be fake, but hyper-realistic. The tools that militaries and tech companies are using to fight back against the AI-created deep fakes are other AI. So, the future of online conflict looks like it’ll be two AIs battling back and forth. Let me give you a historic parallel, because we’ve been dealing with these issues for a very long time. The first newspaper came when a German printer figured out a way to monetize his press’s downtime by publishing a weekly collection of news and advice. And in publishing the first newspaper, he created an entire industry, a new profession that sold information itself. And it created a market for something that had never before existed – but in creating that market, truth has often fallen by the wayside. One of the very first newspapers in America about a century later was called the New England Courant. It published a series of letters by a woman named Mrs. Silence Do-good. The actual writer of the letters was a 16-year-old apprentice at the newspaper named Benjamin Franklin, making him the founding father of fake news in America. In some sense it’s always been there, using deception and marketing to persuade people to your view.
Digital Media Consumption in Canada is Being Dramatically Impacted by the Coronavirus Crisis
A Canadian perspective on Comscore’s ongoing special investigation into how the COVID-19 pandemic is leading to significant audience and consumer behaviour changes across digital platforms. Insights from our Analysis: News, news and more news: Canadians are consuming news at a record pace Social media and messaging: Canadians are staying ultra-connected with their communities Entertainment, music, and spirituality content: increased consumption seen as behaviours change Government: information from government websites are becoming top-of-mind Finance: increased focus on investments and payments Analysis of News & Information Category We have seen an explosion on engagement with news and information sites. In looking at the news categories and its subcategories, the week of Mar 9-15, 2020 saw big increases in engagement over the benchmark week of Dec 30, 2019 - Jan 5, 2020. As a trend, news consumption in general is also on the rise in Canada in terms of aggregate daily unique visitors and visits over time. Analysis of Social Media and Messaging Category As Canadians respond to the Coronavirus reality, we are seeing that their engagement with digital communication channels has increased significantly. When comparing daily engagement with email, instant messengers and social networking sites between the week of March 9-15, 2020 and the benchmark week of Dec 30, 2019 -Jan 5, 2020 as it relates to the % change in usage, we saw large increase in activity. The raw increase in numbers in social media provides greater detailsof the growth in usage: Analysis of Entertainment, Misc and Religious / Spiritual Category Content is Queen, King, Prince, and Princess – between the weeks of Dec 30– January 5 and March 9-15, greater amounts of time at home and the associated increased screen time drove incremental usage of the Entertainment category and the Religious/Spiritual subcategory. Driving the growth is the explosion of Entertainment – Music, which saw an increase of 32% in aggregate daily UV, a 33% increase in visits, and a 31% increase in minutes during this time. Analysis of Government Category Another category that has seen an explosion of visitation and engagement is government sites. Overall there has been huge audience and time spent with government-related content. Here is the build of visits and aggregate Daily UV over the past 10 weeks: We reviewed the Government category between week of Dec 30, 2019 – January 5, 2020 to March 9 – March 15, 2020 and looked at the % change in usage, which really showed a large increase in activity by Canadians. Based on this trend and growing global cases of Coronavirus, it is expected that Canadian audiences will continue to flock to the content from the government in these uncertain times. Analysis of Finance Category There is a saying that we hear in society – “Follow the Money”. The digital behavior of Canadians has been analogous in recent weeks as we have seen increased measures taken relating to the Coronavirus. Overall the Business/Finance category has seen some increased usage over the time period reviewed. Banking, Payments, Investments, and especially Taxes have seen high visitation. Between the week of Dec 30, 2019 – January 5, 2020 to March 9 – March 15, 2020 we saw an increase of +19% and +59%, respectively, in visits in the Investments and Payments subcategories. Additional insights from Comscore’s initial COVID-19 insights for Canada show that: Overall Digital Consumption across the Total Internet has increased. During the time period of this review visits have increased by 10% and time spent has increased by 14% In a time of crisis, people turn to News/Information Websites There have been significant increases in activity by Canadians on Social Media, Email, and Messaging pointing to the need for communication. Social distancing is safe on the internet. Interest soars for government information sources – where we see an explosion of usage. Increases in certain content Categories like Entertainment, Games, Music, Dating, and Religion/Spirituality have spiked Spikes in traffic are occurring for the e-commerce giants as social distancing and local restrictions impact in-store retail – with specific focus on Food and Supermarket Global movement restrictions lead to tumultuous traffic for travel sites
Insights and Analysis of Canadian Digital Media Consumption During the Coronavirus Pandemic
In the midst of the COVID-19 crisis, millions of Canadians are staying home and turning to their computers, smartphones, and tablets as a core source of news, information, education, and entertainment. This article is part of a series of insights that reveal a Canadian perspective on the impact of the COVID-19 pandemic on consumer behavior and significant audience shifts across digital platforms. This week we will highlight some of the major category changes reflected as of the week March 23 - 29, 2020. Key Insights from Our Analysis: Digital consumption continues to grow, although at a slower pace Canadians are still consuming news at a record pace, but growth is slowing Sports and Real Estate declines are slowing Retail overall is stable but key categories like Toys, Apparel, and Books are increasing in consumption Canadian usage in Dating, Pets, Food, and Family & Youth Education on the rise Canada's Total Digital Population An analysis of Canadian Total Digital Media consumption looking at the percent change from week of March 23, 2020 to March 29, 2020 from the previous week of March 16, 2020 to March 22, 2020 showed continued increase of Unique Visitors (UVs), Visits, and Minutes, but does reveal that some increases are at a slower rate than previous weeks. Unique Visitors grew by +1%, Visits by +2%, and Minutes by +5%. At a top line that is still substantial growth, but throughout this release we will give insights into what is driving these increases, and in some cases highlight categories that are starting to show recovery. Analysis from the News and Information Category This category has been a huge focus over the past few releases given the amazing growth of Unique Visitors, Visits, and Minutes as COVID-19 became more prevalent in Canada. Canadians flocked to News/Information websites in record numbers driven by General News, Local News, Weather, and Politics. With that being said, during our latest week of data (week of March 23, 2020 to March 29, 2020) we have seen a lower percentage increase for the category. There is still growth, but the growth is at a slower rate. The category is still a huge area of focus and visitation and engagement are near record high levels. Analysis from the Retail Category The Retail category has also been a particular focus as bricks and mortar shopping has significantly changed, and in some places closed where they are deemed non-essential. Overall, the Retail category has seen a pretty flat line of growth in Unique Visitors, Visits, and Minutes. That being said, we have seen some sub-categories show growth that is greatly over-indexing. This growth in the Retail category is being driven by these subcategories: Toys, Books, Apparel, Sports/Outdoor, Department Stores/Malls. Toys is leading the charge with a 27% week-over-week growth in Unique Visitors. Analysis from Sports and Real Estate Categories The Sports and Real Estate categories have been two of several categories hit by major decreases in visitation and engagement during the COVID-19 pandemic in Canada. With live sports on hold for most of the major sports leagues in North America – there has been a decline across the board. That being said, during the week of March 23, 2020 to March 29, 2020 for the first time since our COVID-19 analysis began we have seen a decrease in the rate of decline in Visitation, and an in fact an increase in week-over-week Minutes. In terms of the Real Estate category, we have seen small week-over-week decreases with -3% in Unique Visitors, -7% in Visits, and -6% in Minutes – compared to the double-digit declines in the past few weeks. Insights from Other Categories of Interest There were a few other categories that hit our radar this week when looking at the data. These categories have seen week-over-week increases – that show Canadians are increasing Visitation and Engagement with this content. Many of these categories reflect the reality that people are isolated at home – with either kids (whom they must entertain and educate) or without kids or a partner – and they are looking to meet new people (Dating). The Pets category showed big increases, and Lifestyle – Food showed increases in activity. Canadians are apparently focused on love, kids, pets, and their tummies!