I know I’m real. And you, dear reader, know you’re real. But do you ever suspect that everyone else on the internet is acting strange? That the spaces you used to frequent feel a bit … dead? You aren’t alone. “Dead internet theory” first hit the web almost three years ago, propelled to the mainstream by an essay in the Atlantic by Kaitlyn Tiffany:
Dead-internet theory suggests that the internet has been almost entirely taken over by artificial intelligence. Like lots of other online conspiracy theories, the audience for this one is growing because of discussion led by a mix of true believers, sarcastic trolls and idly curious lovers of chitchat … But unlike lots of other online conspiracy theories, this one has a morsel of truth to it. Person or bot: Does it really matter?
On Twitter itself, after Musk rescued the site from the frying pan and tossed it in a volcano, an ill-conceived monetisation scheme has made it profitable to buy a blue checkmark, attach it to a large language model, and set it running wild replying to viral content. The social network now pays verified users a proportion of the ad revenue received from their own comment threads, turning the most viral posts on the site into a low-stakes all-bot battle royale.
Death permeates Google. The top of its search results is a valuable position – so valuable that businesses competing to be there have no spare money to actually write their articles. No problem: ChatGPT can churn something out in a second. Of course, that’s only valuable if the resultant visitors are humans who you can make money from. Bad news, because …
… across the web, bots account for around half of all internet traffic, according to research from cybersecurity firm Imperva. Almost one-third of all traffic is what the company calls “bad bots”, doing anything from ad fraud to brute force hacking attacks. But even the “good bots” are struggling to earn that categorisation: Google’s “crawler” was a welcome sight when it was updating your search entry, but less so when it was simply training an AI to repeat what you wrote without sending any users over.
And then there’s Crab Jesus. An unholy marriage of Facebook content farms, AI-generated imagery, and automated testing to work out what goes the most viral led to weeks of viral content featuring combinations of Jesus, crustaceans and female flight attendants. In one such image, Jesus was pictured eating shellfish wearing a jacket made of prawns. More confusing was the image of a sort of crab-centaur saviour walking along a beach arm-in-arm with what appears to be the entire crew from a long-haul flight. It was, at least, interestingly bizarre – a step up from the previous viral chum of the 122-year-old woman posing in front of her homemade birthday cake.
The supreme court on Monday rejected an appeal from Elon Musk over a settlement with securities regulators that requires him to get approval in advance of some tweets that relate to Tesla, the electric vehicle company he leads.
The justices did not comment in leaving in place lower-court rulings against Musk, who complained that the requirement amounts to “prior restraint” on his speech in violation of the first amendment. The ruling comes a day after he made an unannounced visit to China aimed at sealing a deal to roll out Tesla’s driver assistance features there.
Swift codes are handled by the SWIFT organization, and in particular from a division called “SWIFT Standards”. SWIFT stands for “Society for Worldwide Interbank Financial Telecommunication” and is a member-owned cooperative that is used by the financial world to conduct business operations. These codes were initially referred to as “swift codes” but were later standardized as BIC which stands for “Business Identifier Codes”. Both terms are used today and mean exactly the same thing: a BIC code is a unique alphanumeric identification code, consisting of combinations of letters and numbers, which is used to uniquely identify an institution's branch among the members of the swift network.
Why do I need this code?
The swift code is usually required by web banking applications for money transfers between two different banks (that are members of the swift network). We are not only asked to provide the beneficiary’s bank account number (or IBAN account number) that we want to send money to, but we must also provide the exact BIC code of the branch of the beneficiary’s bank. This site aims to simplify the process of finding this code. Note: please read our disclaimer at the bottom of this page BEFORE using any of the information found on this site.
The downside of international transfers with you bank:
Banks use SWIFT for international transfers, but it's not the most efficient or cost-effective solution. When you receive or send a wire transfer internationally with your bank, you might get a bad exchange rate, and pay high hidden fees as a result. We recommend using HUBFX, to get a great rate and low, transparent fee every time. Learn more.
A swift code consists of 11 or 8 characters, which is the standard format standardized by ISO (International Organization for Standardization). Here is an example code: CHASUS33XXX. This swift code is for the head offices of “JPMORGAN CHASE BANK, N.A.” in the U.S.A. and can be broken down to four parts:
CHAS - US - 33 - XXX
- First four characters: These 4 characters (“CHAS” in our example) identify the bank (“JP Morgan Chase”). This 4-letter code is used to identify this particular financial institution’s branches and divisions all over the world.
- Fifth and sixth characters: These 2 characters identify the country in which the bank is located. “US” in this example means “UNITED STATES”.
- Seventh and eighth characters: These 2 characters represent a location code (“33” in this example).
- Last three characters: These 3 characters form the branch code. “XXX” is used to identify the HEAD OFFICE or the institution, but this particular branch code is optional, and if omitted, the 8-character remaining code (“CHASUS33” in our example) is assumed to refer to the head office (primary office) of the institution.
Most requested SWIFT codes:
CHASUS33 CHASUS33XXX JPMORGAN CHASE BANK, N.A.
BOFAUS3N BOFAUS3NXXX BANK OF AMERICA, N.A.
MIDLGB22 MIDLGB22XXX HSBC BANK PLC
BARCGB22 BARCGB22XXX BARCLAYS BANK PLC
ABNANL2A ABNANL2AXXX ABN AMRO BANK N.V.
CITIUS33 CITIUS33XXX CITIBANK N.A.
WFBIUS6S WFBIUS6SXXX WELLS FARGO BANK, N.A.
NWBKGB2L NWBKGB2LXXX NATIONAL WESTMINSTER BANK PLC
COBADEFF COBADEFFXXX COMMERZBANK AG (BANKING COMMUNICATION SYSTEM)
BNPAFRPP BNPAFRPPXXX BNP PARIBAS SA (FORMELY BANQUE NATIONALE DE PARIS S.A.)
POALILIT POALILITXXX BANK HAPOALIM B.M.
LOYDGB2L LOYDGB2LXXX LLOYDS BANK PLC
NTSBDEB1 NTSBDEB1XXX N26 BANK GMBH (Used for NUMBER26 bank accounts)
DEUTDEDBPAL DEUTSCHE BANK PRIVAT-UND GESCHAEFTSKUNDEN AG (DEUTSCHE BANK VIRTUAL ACCOUNTING)
AXISINBB002 AXIS BANK LIMITED
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