subscriptions

How to analyze your banking transactions and use artificial intelligence to find forgotten subscriptions

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Let’s teach you how to use AI to find forgotten subscriptions analyzing your banking movements. It is much more common than you think that there is a small subscription that, without you realizing it, month by month is gradually taking money away from your account. Therefore, if you want to eradicate subscriptions you no longer needthe first step is to find those that you don’t know you are paying for. You will be able to do this with any chatbot. artificial intelligence. In the example we have used ChatGPTbut you can also use Claude either Gemini. Before starting it is important that you know that By doing this you will be handing over your data to companies that own artificial intelligence. Nothing has to happen, but you should be aware before sharing sensitive information like your bank accounts. Download a PDF of your banking transactions The first step is to download a file where you have your bank transactions. For that, you have to go to your bank’s website or application and Click on the option to download movements of your account. When it comes to lowering movements, It is very important that you download several months’ worth of data. Because? Well, because this way the AI ​​will first be able to locate your subscriptions based on the movements that are repeated, and because then it will be able to know which ones you have stopped paying. It is also important to download the file in PDF, an easy-to-read format. This is important because what we want is not a list of all the subscriptions you have paid in recent months, but for the AI ​​to be able to detect which ones have stopped paying because they were there before and now they are not, and which ones you are still paying for. And for this it is essential to have the context of your movements for quite some time. Now ask the AI ​​correctly Now you just have to go to the artificial intelligence chat you want and upload the PDF that you have downloaded from your banking application. To do this, open a chat and click on the add files option, and choose the PDF. Don’t just send it, when it is uploaded you will have to add the prompt. And here comes the magic, in the request prompt. Because when you write it you will have to ask AI to find subscriptions you haven’t stopped paying for yet. To do this, you have to specify that you want it to review everything and only tell you those that you are still paying for. You can use the following: I’m going to upload a PDF with a bank statement, which shows the accounts for the last few months. I want you to analyze the content and tell me what recurring subscriptions I am paying for without realizing it. Tell me only the ones that I have not stopped paying in the last month. When you do this, the artificial intelligence will analyze all the entries in your bank statement. It will first look at all your subscriptions, finding recurring payments, and then see which of them you were paying for before and have now stopped paying. Then, it will show you some results where Only those that you are still paying for will appearas well as the amounts. In Xataka Basics | How to create a Telegram bot that sends you a summary made by Gemini of each email you receive in Gmail and other emails

We have crossed another line with subscriptions. LG now allows you to pay a fee to use a television in a European market

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What started as a practical formula to pay for digital content has, little by little, become a way of life. Subscriptions to listen to music, watch series, store photos, work, protect your computer. Based on small installments, has been normalized that an increasing part of our lives depends on a monthly payment. And when the time comes to do the math, that recognizable feeling of juggling the budget appears: we cancel one, reactivate another, adjust as best we can so as not to go overboard. Perhaps we pay more and more to access, and less and less to possess. That is why the latest twist in the phenomenon draws special attention: now you can also “rent” a television instead of buying it. Rent a TV if you can’t (or don’t want to) buy one. The scene comes from the United Kingdom. There, LG already offers a modality called LG Flex which allows access to a selection of televisions and sound bars through subscription, directly from the company’s website. The logic is similar to that of other services: you choose the product and, at the time of checkout, you select Raylo as an option, since LG presents it as its official partner for this program. The proposal is sold as “flexible access” to premium products, with no initial outlay, and with different subscription durations to adjust the monthly price. In practice, it is a paradigm shift in an object that we traditionally bought and amortized for years. What does “flex” mean? The subscription is proposed with two very different paths: a renewable monthly plan, designed for those who want maximum freedom, and closed plans of 12, 24 or 36 months, which reduce the monthly payment in exchange for a greater commitment. It is a well-known logic: the longer the term, the lower the fee. In addition, the proposal includes a 14-day free trial and, at the end of the period, the user can choose between continuing to pay month by month, requesting a change to a newer model at no additional cost or returning the device. Of course, this last option is not neutral: the withdrawal has a fee of 50 pounds (about 60 euros). The key is what you are paying. A television like LG OLED evo AI C54 83-inch 4K (2025) It is offered for 3,999 pounds (about 4,620 euros at the exchange rate in that market), with a subscription available from 123.90 pounds per month (about 145 euros at the exchange rate) with Raylo, while a LG QNED evo AI QNED9MA 86-inch 4K Mini LED It is listed for 2,499.98 pounds (about 2,890 euros at the exchange rate), with installments starting at 78.35 pounds per month (about 92 euros at the exchange rate). The difference is in the time horizon: if the subscription is maintained for a long time, the accumulated amount may end up exceeding the purchase price. That is why Flex is best understood as a formula to have the television “in use” without purchasing it directly, not as an alternative designed to pay less at the end of everything. Will it leave the United Kingdom? For now, the experiment remains in the United Kingdom. LG has not communicated plans to expand Flex beyond that market, so, at the moment, there is no basis to assume that it will reach other European countries. But even as an isolated case, the idea says a lot about the moment we are going through: subscriptions are no longer just a method to access digital content or tools, but a commercial language that is also beginning to be applied to physical objects. Images | LG In Xataka | Apple Creator Studio is not just a subscription. It’s Apple looking to conquer the little tiktoker who uses CapCut and Canva

subscriptions and getting away from mobile

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These are not good times for movie theaters. In fact, not even big titles like ‘Avatar: Fire and Ashes’one of the films of the year, they get the bills. In fact, new movies have a harder time filling theaters than historic blockbusters like ‘Back to the Future’. they have come to the rescue. In the midst of this endless journey through the desert of movie theaters, some small green shoots can be seen and come from a side that invites us to have a certain optimism with a dropper: Generation Z, which has already shown that it likes to swim against the current on different issues, ranging from banish alcohol to write letters again either the taste for cruises. Generation Z goes to the movies more. a report This same December from the trade organization Cinema United highlights that the frequency of attendance of Generation Z increased 25% year over year. Thus, in 2025 this generation watched an average of 6.1 movies, a slight increase compared to the 4.9 visits the previous year. In this latest survey, 41% of participating people said they went to the cinema at least six times a year compared to 31% in 2022. Why is it important. Because cinema is going through a pressing crisis, both in theaters and the economic one that hits Hollywood. In the case of Spain, neither TV, nor cinema nor books: only interested in going to concertsamong other things, for the search for unique experiences. And it shows: in the Spanish state is going through one of its worst moments: Most indicators have fallen in 2024 and do not reach the 2019 box office. The evil that devastates movie theaters has several aspects, from transformation of the entertainment economic model towards a streaming where competition and the search for profitability is fierce. As a consequence they have reduced their budgets and the number of projects), but also the different industrial strikes, the emergence of artificial intelligence and of course, the price of tickets. The reasons for young people to return to cinema. We mentioned above that living experiences is a compelling reason to opt for concerts over other forms of leisure, but enjoying a movie in a movie theater is light years away from doing so in your living room, no matter how many large TVs or sound bars you have. In Business Insider they collect statements from different young people that range from covering the need for an activity and being in a community to doing an activity without a cell phone, as long as you should leave it aside in the room (don’t be one of those people who illuminates their surroundings with the screen). And what about the prices? If today I wanted to see ‘Avatar 3’ in my nearest cinemas I would pay 9 euros to see the film in 2D at 8pm at the Yelmo de Itaroa (Pamplona). 10 euros if it is in 3D. This is where subscriptions and the current inflationary context come in. Avatar 3 in 3D in Yelmo Itaroa cinemas in Huarte (Navarra) Subscriptions are taking effect The burning nail of flat rates. Monthly subscriptions to go to the movies are not something new or exclusive to Spain: in the United States, for example, they have MoviePass or AMC A-List for movie theater chains. AMC Theatersin the UK CineWorld Unlimited Card, in France it is UGC Poster. In the Spanish state, Cinesa has its Unlimited Carda flat rate for people over 18 years old that starts from 17.90 euros per month. And although anyone can subscribe, it must be taken into account that the Young Cultural Bonus of 400 euros. An in-person subscription to an experience. The Cinema United report collect that loyalty program members in the United States increased by 15% since 2024, reinforcing it as a compelling reason: for a fixed monthly fee you have almost unlimited access to movies and the guarantee of an experience. For a generation that does not hesitate when it comes to canceling streaming subscriptions when they go up in price and have seen some of their favorite content disappear, an in-person subscription is attractive. An analysis IBISWorld’s industry analysis for U.S. theaters points the way for movie theaters to climb out of the hole: Investing in experiences through better food and facilities and a greater emphasis on subscriptions and partnerships can help theater revenue grow from $16 billion in 2025 to a projected $17.3 billion in 2030. When everything goes up, going to the movies is a more sensible option for your pocket. Flat cinema rates are not the cheapest form of entertainment out there, and if we take into account the added prices of food and drink there (although always you can bring your food to reduce costs) even less so, but in this inflationary scenario in which almost everything has gone up, they seem more reasonable if you think about a plan that lasts several hours. If you do the math, it’s even cheap if you compare it to going out to dinner or drinks (and that’s not to mention the particular Spanish scene with its young bonus). In Xataka | “I cried 152 times in 2025”: Generation Z lists their emotional crises and turns them into infographics In Xataka | The remake of ‘Agárralo como puede’ has performed very well at the box office. Excellent news for an almost dead genre: comedy Cover | Toni Pomar and Mahdi chaghari

OpenAI and Google deny that they are going to put ads in ChatGPT and Gemini. The reality is that accounts do not come only with subscriptions

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What AI has a profitability problem It is something well known. All you have to do is look at the OpenAI accounts, which in the last consolidated quarter lost a whopping $11.5 billion. The subscriptions were presented as a way to monetize chatbotsbut ChatGPT barely has 5% of the total users on one of your payment plans. The numbers do not come out and, although companies deny it, the shadow of advertising hangs over AI. what’s happening. Rumors that some very popular chatbots are integrating ads are intensifying in recent days. First they began to circulate alleged screenshots of an ad on ChatGPT and later a media specialized in advertising claimed that Gemini will have announcements in 2026. Companies deny it. Google has been quick to deny the information, ensuring that Gemini has no ads and “there are currently no plans in place to change it.” What stands out above all is that “currently”, which continues to leave the door open to include advertising in the future. For its part, OpenAI has come out to deny it ensuring that what appeared in that screenshot “was either not real or it was not an advertisement.” What was seen was a suggestion to connect the account of Target, the popular American hypermarket chain. When the river sounds… Despite the forcefulness in denying it, a few days ago we learned that OpenAI is preparing the ground to include advertising in ChatGPT. ChatGPT beta version for Android includes explicit references to an ad feature and tags like “content bazaar” and “ad carousel.” Additionally, the company is hiring experts in advertising platformsso the appearance of ads is not a question of “if”, but of “when.” In the case of Google, we haven’t seen any screenshots or traces in the code, so there isn’t that sense of imminence. However, there are rumors that there will be announcements in AI summaries and taking into account that advertising is the company’s main business, it does not sound crazy that they end up integrating ads into their chatbot. Investment vs return. The imbalance between what technology companies are spending on AI with what they are earning is totally unbalanced. Big tech companies like Google are increasing their revenue, but It is not thanks to AI, but to its cloud services. In the case of OpenAI, without an infrastructure to minimize the impact, the disconnection between expenses and income is brutal. Subscriptions are not enough. AI has managed to penetrate the general public and, according to the consulting firm Menlo Venturesalready has 1.8 billion users around the world. The problem is that only 3% pay any type of subscription. OpenAI currently has 5% paying users and expects that by 2030 the figure will increase to 8.5%. It is still not enough to achieve the desired profitability. According to a study by JP Morgan, For the AI ​​industry to achieve a 10% return on everything they have spent, it would take $650 billion a year, which is the same as saying that 1.4 billion people pay more than $400 each year to use AI. They may succeed, but for now ads seem like a faster way to generate income. Image | Generated with Gemini In Xataka | AI has become the best example that if you don’t pay for the product, you are the product

Football has become the anchor of operator subscriptions. And LaLiga is making more money than ever

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It is not necessary to consult reports to understand that, for many, life has become more expensive faster than salaries. Many of us check this when making a purchase, looking for a home or renewing insurance. Even so, there are few consumer decisions that endure as much as football. Not only do we continue to see it, but it is more present than ever in the television packages, in the bars, on the platforms and in the subscriptions we take out. This prominence is not only reflected in the way we consume it, but also in how it is valued as a product. LaLiga, the organization that manages professional competitions in Spain, has awarded the domestic audiovisual rights for the new cyclewhich will cover from 2027/28 to 2031/32. The result marks a historical maximum: 6,135 million euros, 9% more than the previous cycle. Telefónica and DAZN will repeat as partners, ensuring the broadcast and exploitation of the content for five more seasons. Where do the 6,135 million come from? The record figure is not explained only by households, but by the diversification of the product. The residential block represents 5,250 million euros, but the segment HORECAwhich includes bars, public premises and hospitality establishments, is close to 650 million. LaLiga Hypermotionwhich is the Second Division and takes its name from the Hypermotion technology used in soccer video games, contributes about 175 million. Added to this are more than 60 million in open rights and summaries. Football is no longer sold in a single format. Football as an anchor for subscriptions. For streaming operators and platforms, football has become the product capable of sustaining their business models. It’s no longer just about gaining users, as PwC warns and Simon-Kucher Consultingbecause the market is beginning to show clear signs of saturation, but of obtaining more income from each subscriber. And there football is decisive. Telefónica, with Movistar Plus+, and DAZN have opted to maintain the rights because it allows them to maintain customers, justify prices and build packages that cannot be understood without this content. That football continues to be part of our social life is reflected in the figure for the HORECA segment: close to 650 million euros, compared to 500 million in the previous cycle. The bars and restaurants that hire the service not only offer the content, they offer a place to experience it in company. LaLiga knows that the value is not only in the broadcast, but in the environment that accompanies it. Second division, HYPERMOTION brand and added value. With Hypermotion, LaLiga has turned its Second Division into an audiovisual product with its own entity. Not only does the name change: the way of presenting and exploiting it changes. This block, as we say, will contribute around 175 million euros, 40% more than in the previous cycle. The crusade against illegal emissions. Part of the increase in value is explained byLaLiga’s crusade against illegal broadcasts. The organization has intensified control over platforms that distributed content without authorization, with legal actions that have generated debate, like the case of Cloudflare. Javier Tebas defends that this strategy It has allowed “increasing the number of operators’ users” and reinforcing confidence in the product. It has not been without controversy, but LaLiga maintains that it has had a real impact on the market. The agreement not only brings income, but also time. LaLiga points out that a five-year cycle offers clubs and operators sufficient margin to plan, renew contracts, invest in technology and reinforce the audiovisual structure. By bringing forward the trend and detaching it from the new UEFA framework, the competition avoided the negative effects that other European leagues have faced. The message we want to convey is stability, legal security and continuity of the model. What does all this mean? This model has a direct link with consumer habits. Increasingly, platforms are designing their packages thinking about who is willing to pay more for certain content, and football fits into that category. It doesn’t just attract users, it retains them and gives them reasons to stay. This behavior explains why football maintains its central position in the catalog and why companies consider it a strategic piece. Images | LaLiga In Xataka | The NFL was going to place the Bernabéu in the center of the United States. Americans have not been impressed

How to request the 400 euros to buy music, video games and subscriptions if you are 18 years old

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Let’s explain How to request the Young Cultural Bonus of 2025the new edition that offers those who turn 18 a credit of 400 euros that can spend on cultural products. He Young Cultural Bonus It was launched in 2022 to bring young people closer to the cultural sectors punished during the pandemic, but since then it has been maintained. We are going to start the article telling you what this bonus is and all the details, specifying what money will be spent. Then, we will explain what the process you must follow to request it. Finally, remember that in addition to turning 18 in this 2025, the aid is aimed at young people from Spanish nationalitythose that have legal residence in Spain, and asylum seekers, temporary displaced or extended foreigners. What is the young cultural bonus The young cultural bond is the help that is given every year Young people who turn 18. Come on, that they are going to give 400 euros to all those who fulfill the age of majority in 2025. This money is not to spend where they want, but for the acquisition of products, services and activities related to the world of culture. This aid was born to finance and revitalize the Spanish cultural sector after the quarantines of the COVID-19, although once they return to normal they have been maintained. It is not known for how long this cultural bonus will exist, because it is something that is approved every year. It is an indirect help, so that instead of giving money to establishments without more, young people are given to consume the culture they want in pre -established cultural products. This part is important: you will not spend the help where you want or all the money on a single type of product: The 400 euros are distributed in three types of productsand in each of them you can spend a maximum of this bonus that has been given to you. Nor can you spend it anywherebut in establishments that have adhered to the program. Help is only for those who turn 18. Therefore, it will only benefit those who have Born in 2007while people and young people of other ages cannot benefit. Only those who turn 18 during this 2025. In addition, it will be necessary to have Spanish nationality or Aid management is centralized to a website, in which young people can request the bonus. And then, In your city you will see what establishments participatesince they usually put in the showcase that they accept cultural bonus, and you will know that you can spend the money there. What can the bonate be spent As we have told you, You cannot spend all the help on the same type of product cultural. You are 400 euros, but these are distributed in different types of products in which you will be able to make the expenses. Here you have the list with the specific product types: A maximum of 200 euros in live arts, cultural heritage and audiovisual arts: This will be distributed between entries and subscriptions for performing arts, including live music, cinema, museums, libraries, exhibitions and scenic, literary, musical or audiovisual festivals. Also for bullfighting shows. A maximum of 100 euros in cultural products in physical support: This will be distributed among books, magazines, press and periodic publications. It can also be spent In video gamesmusical scores, Vinyl discsCD, DVD or Blu-ray. A maximum of 100 euros in digital or online consumption: This will be distributed between subscriptions and rentals to musical platforms, reading or audiolecture, audiovisuals, audiobook purchase, purchase of ebooks, subscription for podcasts, subscriptions to online video games, digital subscriptions to press, magazines or other periodic publications. Yes indeed, Subscriptions will be limited to a maximum of four months. The purchase of some stationery products such as printed or digital curricular textbooks, in addition to equipment, software, hardware and consumables of computer science and electronics. Nor can you buy musical instruments, go to sports shows, or buy pornographic material. And the last condition is that You can only use the bonus in certain establishments or institutions attached to the program. These businesses must operate within Spain or exercise activities for sale or made available to cultural products, activities and services. How to request the Young Cultural Bonus 2025 To request the young cultural bond of this 2025 you have to enter its official website, which this year is beneficiaries. 2025. Bonoculturajoven.gob.es. which is the officer of the program. In it, click on Registerand create an account using your email and a password. Once you have registered, on this same website you can log in with your created account. Once you have created your user and password, you will get an email with a confirmation link, and you must press it to complete the process. Once you do it, click on the button Request bonus That will appear. The first time you do you will have to verify your information and age using the Digital certificate either Cl@go. Then, you will have to fill in the rest of your main data. Once you have done this, you can Choose how you want the cultural bond. The simplest thing is to have a virtual card that you can add in Google Pay or Apple Pay to pay with the NFC of the mobile, although you will also have the possibility of requesting a physical card. When you finish the configuration, you will have to verify your application using Autofirms. Once you have everything, remember that you will only be able to use this balance that is given in the establishments attached to the bonus program. Besides, You will have to raise all the receipts from your purchases To the program’s website to verify them, and it will be then when you get money. In Xataka Basics | How to request the discount of the young summer 2025: What do you need and step by step for bonds of up … Read more

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