New
Introducing Verify: Live agent verification for secure remote authorizations
Introducing Verify
Learn more
Notarize now
Log in
Blog
Notarize Joins Bank of America's Cardholder Rewards Program

Notarize Joins Bank of America's Cardholder Rewards Program

Notarize, a Proof brand, joins BankAmeriDeals. Now, 45M+ Bank of America customers can access 24/7 online notarization at a market-leading rate via their mobile app or online banking portal.
Phil Motto
October 18, 2024

We are excited to announce that Notarize, a Proof brand, is now featured in BankAmeriDeals, Bank of America's cardholder rewards program.

BankAmeriDeals offers Bank of America cardholders the opportunity to save on eligible purchases with participating merchants. Now, Bank of America customers can conveniently initiate an online notarization and connect with a notary from the Notarize Network at a market-leading rate, directly through their mobile banking app or online banking portal.

Launched in 2012, BankAmeriDeals allows over 45 million Bank of America clients to access personalized offers on everyday purchases. By logging into their account, customers can select and activate deals for eligible debit or credit card purchases.

Notarize joins around 100 global brands in Bank of America's premier rewards program, making it easier than ever for customers to notarize documents online.

The Notarize Network is a 24/7 on-demand network of licensed notaries, allowing users to connect with a notary in under two seconds on average. Millions of Americans have relied on the Notarize Network for critical transactions such as powers of attorney, trusts, wills, affidavits, deeds, leases, and more.

This new benefit makes it easier than ever for Bank of America customers to notarize documents online and save.

graphic of envelop on a square

Subscribe to our newsletter

Sign up

Related Articles

Product & News

Title lorem ipsum

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros.
Author name
11 Jan 2022
Product & News

Title lorem ipsum

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros.
Author name
11 Jan 2022
Product & News

Title lorem ipsum

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros.
Author name
11 Jan 2022
Product & News

New Tools and Features to Improve Document Accuracy and Speed

Discover how our latest features minimize mistakes, increase productivity, and make your document processes more efficient than ever.
Proof
December 18, 2024
Product & News

KVS Title seeks to Combat Real Estate Fraud with Proof’s Leading Identity Authorization Network

Proof, a leading identity authorization network, today announced a partnership with KVS Title, a well-known title and settlement company in the Washington, DC metropolitan area, to deploy Proof’s Identify solution on the seller side of real estate transactions.
Lauren Hintz
December 17, 2024
Legal

A Blueprint for the Incoming Administration: How to Save Americans $1 Trillion Per Year

Hundreds of billions of taxpayer dollars are lost each year by the federal government due to fraud. The following blueprint offers four key strategies for the incoming administration to deploy on Day 1 to streamline government operations, reduce delays, and make services more accessible.
Pat Kinsel
December 16, 2024
Product & News

Leandra Fishman Joins Proof as Chief Revenue Officer

Leandra brings over three decades of experience leading high-impact sales teams and scaling revenue in the technology sector, with a proven track record across both enterprise and consumer markets.
Lauren Hintz
December 6, 2024
Legal

New Law Delivers Seamless Transactions to New York

New York, the global center for business and finance, has adopted a new law delivering the seamless exchange of notarized documents across state lines.
James Fulgenzi
November 25, 2024
Product & News

Streamlining Your Transactions And Boosting Efficiency With Our Latest Enhancements

Discover how our latest features improve workflow efficiency, increase payment transparency, and keep your team informed.
Proof
December 11, 2024
Product & News

Introducing Verify: A New Era in Identity Verification with Deepfake Detection

Today, we announce Verify, a cutting-edge solution that combines live, human-assisted identity verification with deepfake detection to ensure safe, fraud-proof transactions.
Lauren Furey
November 8, 2024
Real Estate

Proof and ServiceLink Announce Integration to Strengthen Identity Verification and Fraud Prevention Across Real Estate Transactions

Proof announces a major integration with ServiceLink, the nation’s premier provider of digital mortgage services.
Lauren Hintz
November 8, 2024
Product & News

Notarize Joins Bank of America's Cardholder Rewards Program

Notarize, a Proof brand, joins BankAmeriDeals. Now, 45M+ Bank of America customers can access 24/7 online notarization at a market-leading rate via their mobile app or online banking portal.
Phil Motto
October 18, 2024
Product & News

Proof Partners with the State Bar of Texas

Proof partners with the State Bar of Texas to offer online notarization services as a member benefit, providing over 114,000 attorneys with 24/7 access to the Notarize Network. Member attorneys can streamline workflows, reduce turnaround times, and access a full audit trail—all through Proof’s trusted platform.
Phil Motto
October 16, 2024
Fraud

The Hidden Threat in Your Hiring Process: Why Traditional Background Checks Are No Longer Enough

As companies increasingly rely on automation and AI-driven tools to screen resumes and conduct background checks, a new wave of sophisticated scams is exploiting the very systems meant to safeguard hiring.
Lauren Furey
November 8, 2024
Legal

New Law Allows More Closings Using Online Notarization in California

Legislation recently signed by California Governor Gavin Newsom, AB 2004, allows a copy of electronic documents to be submitted on paper and then recorded. Now, customers across California can use online notarization to close their property.
Dale Hardy
November 8, 2024
Fraud

Growing Trends in AI Impersonation Calls for a More Defensive Posture

With gen AI now threatening what has traditionally underpinned identity, we need a new approach to balance the benefits of digitization with the risks of AI impersonation.
Pat Kinsel
November 8, 2024
Fraud

Why Identity Verification with Human Oversight Is Critical to Detect Fraud

This post explores the impact fraud has on businesses and why integrating human decision-making alongside automated tools is essential.
Lauren Furey
November 8, 2024
Product & News

Command Center: A New Way To Administer, Secure, and Scale With Proof

Command Center is Proof’s new enterprise administration hub, built to offer teams precise control over corporate policies, authentication, access control, security, and settings at scale.
Proof
November 8, 2024
Product & News

New Tools Enable Customers to Sign More Things with Proof‍

Our September product release is live! With these features, your business can enjoy a more efficient, streamlined process, making your document workflows easier and more flexible than ever.
Proof
September 19, 2024
Product & News

Proof’s Latest Features Give You More Control When Completing Transactions

Our newest products and features give you more control and help you complete transactions with increased accuracy and efficiency.
Proof
August 19, 2024
Product & News

How You Can Bring Operation Chillax to Your Company

For the last four years, Proof has taken a week-long step away from our computers to rest and recharge during an annual "Operation Chillax." Here's how you can bring Chillax to your company.
Proof
August 21, 2024
Auto

Why Fraud Prevention is Key to the Auto Market

Any business that touches vehicle title and registration can benefit from transitioning to electronic documents. Learn how identity proofing list NIST IAL2 verification can help combat the growing risk of fraud in the auto market.
Gayle Weiswasser
September 16, 2024
Product & News

Operation Chillax 2024: What Team Proof Did With Its Week Away

Operation Chillax is a company-wide initiative for Proof team members to take time off to rest and recharge. Here's what the team did with its week away.
Proof
August 8, 2024
Product & News

Proof Launches On-Demand Witness for Online Notarizations

Proof's On-Demand Witnesses are now available for online notarizations, allowing signers to instantly connect with members of the Notarize Network trained to serve as impartial witnesses.
Gayle Weiswasser
August 7, 2024
Product & News

Proof Welcomes John Heasman as Chief Information Security Officer

Heasman joins Proof after serving five years as Chief Information Security Officer at Chegg, a student-first connected learning platform.
Proof
August 6, 2024
Product & News

Proof and NetLaw partner to bring online notarization to estate planning

The partnership will help NetLaw digitize the final piece of Hargrove Firm's client workflows by leveraging Proof's leading online notarization and on-demand witness solutions.
Lauren Hintz
August 5, 2024
Business Workflow

Using Proof Identify to Prevent Hiring Fraud and Impersonation

‍Fraud is becoming more common in the hiring and employment space. With Proof's Identify solution, you can ensure that the person who accepted your position is the same person who shows up for work on the first day.
Gayle Weiswasser
July 26, 2024
Product & News

Meet Julia Rodgers, a Trust Trailblazer in Online Notarization

Julia Rodgers is CEO of HelloPrenup, the leading online prenup platform. Learn how HelloPrenup leverages Proof's online notarization solution to help every couple get on the same page prior to marriage.
Lauren Hintz
July 18, 2024
Real Estate

Meet Trish Martinez, a Trust Trailblazer in Online Closings

Trish Martinez worked in escrow for ten years and later transitioned to the Shared Services Department. Her team manages the processes for remote online notarization (RON).
Gayle Weiswasser
July 18, 2024
Product & News

Proof Welcomes Kelley Pidhirsky as VP of Solutions Consulting

At Proof, Kelley oversees a team of industry specialists who serve as trusted advisors to Proof’s customers during and after the sales process. They have a deep understanding of our customers’ challenges and help them overcome them using Proof’s solutions.
Gayle Weiswasser
July 11, 2024
Real Estate

To Prevent Seller Fraud, Verify Seller Identity Long Before The Closing Date

There is a simple and inexpensive way to stop seller fraud before it has a chance to happen: identity verification at the beginning of the transaction, instead of at the end.
Eddie Oddo
August 5, 2024
Product & News

Introducing Identify: Securing the Entire Customer Journey

Identify is first ever ‘plug and play’ customer verification solution that can be deployed into all critical customer interactions with no code.
Hilary Walker
June 18, 2024
Product & News

Product Highlight: EasyLinks

An EasyLink is Proof's no-code solution that lets your customers self-serve their transactions.
Lauren Hintz
August 5, 2024
Product & News

Discover Proof’s Latest Products and Features to Combat Fraud and Enhance Security

Learn what new features are coming to the product in June 2024.
Melissa Norton
August 5, 2024
Fraud

Partnering with Trusted Providers to Stop Deed Fraud: Understanding Important Industry Standards for Online Notarization

This post is part of a series about deed fraud and focuses on online notarization's role in preventing it. We will explore why certified remote online notarization (RON) vendors are the only RON platforms you can trust for deed transfer transactions.
Gayle Weiswasser
August 5, 2024
Product & News

Proof Welcomes New CFO, Mark Crowley

Mark’s a key addition to the growing Proof executive team, and brings decades of experience as a finance leader and strategic business partner to rapidly growing software companies.
Lauren Hintz
June 5, 2024
Business Workflow

8 Forms Colleges Need To Notarize And Why Remote Online Notarization Works Best

Colleges and universities are complex ecosystems, with various departments - housing, enrollment, employment, financial, and more - that require identities to be verified and documents to be notarized.
Gayle Weiswasser
August 5, 2024
Real Estate

Meet Sally Taylor, a Trust Trailblazer in Online Closings

Sally Taylor has been in the title and escrow business for 23 years. She is the Digital eClosing Manager (Direct Division) at First American, based in Kansas City.
Gayle Weiswasser
May 29, 2024
Legal

Our Statement on the Future of US Data Privacy

We are encouraged by Congress’s recent efforts to deliver on a federal privacy standard with the introduction of the American Privacy Rights Act of 2024 (APRA).
James Fulgenzi
May 29, 2024
Fraud

How digital transactions could have prevented the Graceland sale fraud scheme

The Graceland fraud scheme naturally caught our attention. We are, after all, in the notarization and digital identity proofing business. This post outlines how fraud of this nature, which regularly affects everyday people making everyday transactions, could be prevented.
James Fulgenzi
August 5, 2024
Digital Identity

Proof and Socure partner to combat fraud and forgery in the $200 trillion exchanged through contracts, authorizations, and forms

We're partnering to help businesses combat fraud in the agreements and forms that consumers rely on, which is a $200 trillion market opportunity. 
Lauren Hintz
May 21, 2024
Product & News

Introducing Defend

Proof is the only signature platform with AI-powered fraud detection to combat the $81B in annual losses to U.S. businesses due to false records and identity theft.
Hilary Walker
July 1, 2024
Product & News

Proof Expands On-Demand Notarize Network to Include Pennsylvania Notaries

Today, we proudly announce that Pennsylvania’s notaries may now join the Notarize Network.
Gayle Weiswasser
August 5, 2024
Financial Services

How Seek Business Capital Funds Loans 60% Faster with Proof

Seek Business Capital partnered with Proof to help their customers notarize critical, timely documents at their convenience.
Proof
August 12, 2024
Product & News

Proof Digital Certificates Now Available for Notaries on the Proof Platform

Digital Certificates are now available for the Notarize Network and in-house notaries using Proof
Lauren Furey
August 5, 2024
Product & News

A World with High Integrity Digital Transactions: Announcing Proof Certificates

Today, we are introducing a program that makes transactions notarized through Proof the safest and most trustworthy in the industry: the Proof Digital Certificate. We've taken another step forward in securing the digital signature of all notaries. 
Darren Louie
August 5, 2024
Product & News

Combating AI’s Existential Threat to Trust in our Society

According to FINCEN, fraudulent activity associated with impersonation is a $200 billion problem. In an era where everything can be faked, we’re creating a future where every interaction and every record can instantly be trusted with Proof.
Pat Kinsel
April 22, 2024
Real Estate

Meet Barbara Battersby, a Trust Trailblazer in Online Notarization

Barbara Battersby of Premier Title Agency in Arizona is a trailblazer in online notarization. She started doing online closings almost three years ago and has completed more than 700 online notarizations on Proof.
Gayle Weiswasser
April 22, 2024
Fraud

Stop Healthcare Fraud Before It Starts With Identity Verification In Medical Licensing

Strengthening the identity verification process in medical licensing will play a role in fighting healthcare fraud by ensuring that providers are who they say they are.
Gayle Weiswasser
September 9, 2024
Product & News

Giving Docs and Proof Partner to Digitize Estate Planning Agreements

We’re proud to announce our new partnership with Giving Docs. Now, their customers can create their legacy today – without the need to print out estate planning documents and chase down a notary and witnesses.
Lauren Hintz
August 5, 2024
Real Estate

Real Estate Wire Fraud: The Biggest Threat to the Real Estate Industry?

Wire fraud happens when somebody tricks a buyer into wiring money to the wrong place. Sadly for these buyers, once the money has been wired to the criminals, it is usually gone forever.
Gayle Weiswasser
August 5, 2024
Fraud

Why Online Notarization is Critical to Stopping Deed Fraud

Online notarization creates a more trusted record than a paper notarization and can help prevent fraud.
Andrew MacDougall
April 8, 2024
Fraud

Rental Fraud on the Rise: How to Prevent Scammer Tenants from Moving In

Rental fraud happens when renters lie about who they are, or lie about their income and ability to pay. Unsurprisingly, there is a high correlation between cities with low eviction rates and high levels of rental fraud, which underscores the need for managers to verify applicant identity before leasing a property.
Gayle Weiswasser
August 5, 2024
Legal

Amended Law Introduces Fully Remote Online Notarization to South Dakota

South Dakota's governor signed a bill to amend the state's notarization laws. This change made improvements to the signer identification process and authorized the use of electronic documents.
James Fulgenzi
August 5, 2024
Real Estate

How Champion Title Became a Leader in Early eClose Investment

Champion Title hasn't been afraid to pioneer new technologies as it looks to stay ahead in a competitive settlement space.
Proof
August 12, 2024
Legal

USPTO adopts eSign for patent and trademark correspondence

On March 22, 2024, the United States Patent and Trademark Office (USPTO) adopted a new rule allowing for electronic signatures on all patent-related correspondence with the USPTO.
Dale Hardy
April 3, 2024
Product & News

Introducing On-Demand Witness: Available Anytime, Anywhere

Proof’s network of on-demand notaries now have the flexibility to incorporate witnesses into transactions quickly and efficiently, regardless of location, relationship, or availability.
Lauren Furey
August 30, 2024
Financial Services

Fighting Deepfake Fraud Takes a Layered Approach

Deepfake scams are driving a new wave of financial fraud, usually in the form of new financial account openings, account takeovers, phishing, impersonation and the creation of fake identities. 
Gayle Weiswasser
March 25, 2024
Financial Services

How Remote Witnessing Helps Your Customers Plan for Retirement

Recent changes at the IRS enable remote witnessing to complete spousal consent waivers for businesses in the financial services industry.
James Fulgenzi
March 25, 2024
Product & News

Signing Groups: Enhancing the Signing Experience

Need to send documents to a group of signers and not sure who to specify when preparing transactions? With our new support for signing groups, simply send to a group of signers using a shared email address.
Melissa Norton
August 5, 2024
Digital Identity

KYC is for onboarding. But after that, can businesses trust they’re interacting with their real customers?

Between forged signatures, forged documents and forged activity online, there’s fraud everywhere. Fraud is impacting your business on all fronts, and now companies are the ones responsible for preventing it. 
Lauren Hintz
August 5, 2024
Product & News

Proof Welcomes Eric Fleischman as CTO to Help Build the Identity Layer for the Internet

Eric Fleischman joins Proof as Chief Technology Officer (CTO)
Lauren Hintz
March 25, 2024
Product & News

Proof is the leading eNotaryLog alternative

eNotaryLog recently shared that it will soon cease operations. As the leader in online notarization, Proof is the perfect eNotaryLog alternative to help businesses manage their notarization needs.
Lauren Hintz
March 25, 2024
Business Workflow

HelloPrenup and Proof Partner to Digitize Prenuptial Agreements

Proof is proud to partner with HelloPrenup, the premier online prenup platform that allows couples to create valid binding prenup agreements quickly and for a fraction of the cost.
Pat Kinsel
August 5, 2024
Product & News

Improve security, compliance with new role-based access

Business Premium and Enterprise customers can request three new roles that grant precise access to important areas of their Proof account.
Andrew MacDougall
September 26, 2024
Financial Services

Baxter Credit Union Enhances Member Experience with Proof

Learn how Baxter Credit Union is using Proof to improve its member experience and drive business growth.
Proof
August 12, 2024
Real Estate

Industry Impact: How remote online notarization is changing the real estate game in the Golden State

CA Senate Bill 696 unlocks remote online notarization for real estate closings in the state of California, the cornerstone of the national real estate market.
Eddie Oddo
August 5, 2024
Product & News

Signer Scroll: The newest feature bringing ease to every meeting

Our newest features make it easier — and more efficient — than ever for your customers to sign and complete their documents.
Melissa Norton
August 5, 2024
Legal

Open for Business: Everything you need to know about California’s new online notarization law

On Jan. 1, California will begin the implementation of its new online notarization law. Here's everything you need to know.
Mackenzie Pautler & James Fulgenzi
February 5, 2024
Product & News

Loan modifications: The newest transaction with Proof

The transaction type is one of several new features added to the Proof platform, which includes new tools to help Owners and Admins manage their teams.
Andrew MacDougall
September 26, 2024
Product & News

Product Teaser: Proof Certificates

Proof Certificates for notaries are coming soon.
Darren Louie
April 18, 2024
Product & News

Best of 2023: National Notary Day Edition

In honor of National Notary Public Day, here's a look at what we accomplished in 2023 with — and thanks to — notaries across the country.
Mackenzie Pautler
July 1, 2024
Product & News

Provide a professional experience with notary backgrounds

With notary backgrounds, we’re helping notaries offer a professional signing experience – from anywhere.
Andrew MacDougall
September 26, 2024
Product & News

Proof: Our Brand Story

Learn all about our brand identity and how it will shape the future of our product.
Lauren Hintz
September 26, 2024
Product & News

Product Highlight: Smart Execution Engine

Mitigate the risk of fraud and forgery in every transaction with Proof.
Darren Louie
May 21, 2024
Product & News

What is a Proof transaction?

Learn about the Proof transaction type and the additional identity assurance features it can bring to your eSign workflows.
Andrew MacDougall
September 26, 2024
Legal

OFFICIAL: California signs online notarization into law

Legislative history was made by Gov. Gavin Newsom over the weekend when he signed SB 696 — the California RON Bill — into law.
Proof
February 5, 2024
Legal

4 Tips for Combatting the Rising Property Fraud Crisis with Proof

Real estate fraud is rampant. Here are four tips to help you stay vigilant and be proactive when buying or selling property.
Renée Hunter
August 5, 2024
Legal

How a Government Shutdown Impacts the U.S. Real Estate Industry‍

The U.S. government is heading towards the first government shutdown since December 2018, which could have drastic implications for prospective homeowners.
Proof
August 5, 2024
Product & News

Proof Receives NIST IAL2 Certification from Kantara Initiative

New accreditation further validates that Proof is leading the industry by raising the standards for both electronic signatures and online notarizations.
Proof
September 26, 2024
Product & News

IAL2 Requirements for Electronic Prescription of Controlled Substances

What to know, how to comply, and the benefits of switching from physical to digital prescriptions.
Andrew MacDougall
August 5, 2024
Legal

What is NIST IAL2 identity verification?

Learn about Identity Assurance Level 2 and the confidence this identity proofing can bring to your business.
Grant Salisbury
December 19, 2023
Product & News

With IAL2 certification, we’re bringing proof to every signature

With IAL2 certification, Proof delivers the first eSignature platform that meets this high remote identity verification standards.
Hilary Walker
September 26, 2024
Auto

Understanding IAL2 Requirements for Electronic Odometer Disclosures

What to know, how to comply, and the benefits of switching from physical to digital.
Grant Salisbury
August 5, 2024
Product & News

Announcing Enhanced Signer Identification, for When eSign Isn't Enough

Auditable identification and cryptographic evidence with every Proof transaction.
Andrew MacDougall
November 8, 2024
Legal

SBA Announces New IAL2 Electronic Signature Requirements

Here's what to know, how to comply, and the benefits of these new standards.
Grant Salisbury
December 19, 2023
Product & News

Execute Signings Your Way: Introducing Signing Order

Signing Order gives businesses even more control over how their customers receive and sign documents.
Andrew MacDougall
December 19, 2023
Product & News

Introducing Background Blur, Allowing Notaries to Meet Signers from Anywhere

Background blur will remove distractions and allow your notaries to shine in their role.
Andrew MacDougall
August 5, 2024
Product & News

Everything You Need to Know About Notarize’s Transition to Proof

Notarize will rebrand as Proof on September 14. Here's what you and your teams need to know to be prepared.
Andrew MacDougall
August 5, 2024
Technology

Technical Updates Required to Support Notarize’s Transition to Proof

Everything IT teams and Developers need to know to prepare for Notarize's transition to Proof on September 14.
Slava Asipenko
September 26, 2024
Product & News

Proof Launches First On-Demand Network of Trusted Referees

Proof now features on-demand trusted referees who can support transactions where trust is at risk.
Andrew MacDougall
November 8, 2024
Product & News

Lock in Proof, Unlock Trust: Securing All Critical Commerce With Proof

Everything from notarization to identity-assured eSign, all in one platform.
Darren Louie
September 26, 2024
Product & News

A Word on Our Future: Introducing Proof

Eight years ago, we launched Notarize with the goal of digitizing trust. With Proof, we take the next step in our journey towards bringing trust to every transaction.
Pat Kinsel
September 26, 2024
Product & News

Trusted Referees: Real Humans for When Trust Is at Risk

Here’s everything you need to know about trusted referees: what they are, why they matter, and the role they play in identity verification.
Mackenzie Pautler
December 19, 2023
Product & News

The Future of Digital Identity

The role of digital identity continues to grow in our everyday lives. Here's what you can expect to see next.
Mackenzie Pautler
September 26, 2024
Product & News

Top 3 Types of Digital Identity Fraud

Learn about the most common types of digital identity fraud and what you can do to stay safe online.
Mackenzie Pautler
August 9, 2024
Product & News

Product Highlight: Enhanced Signer Identification

Each Proof transaction comes with auditable identification and cryptographic evidence of your signer’s identity.
Darren Louie
December 19, 2023
Product & News

Product Highlight: Fraud and Forgery Prevention

Mitigate the risk of fraud and forgery in every transaction with Proof.
Darren Louie
December 19, 2023
Digital Identity

What Is Identification, Authentication and Authorization?

The concept of identity is complicated, but the ways in which we verify it can be far more simple.
Proof
December 19, 2023
Financial Services

HELOCs and Tech: How to Keep Loan Volume Up

By using eClosings, lenders can process significantly more HELOCs in the same amount of time while providing a better customer experience.
Proof
December 19, 2023
Real Estate

Digital Identity Management: Why It's Essential for Business

Digital identity management is a must in today's digital-first landscape. Here is everything you need to know.
Proof
August 5, 2024
Legal

3 Different Types of Digital Signatures and When to Use Them

With digital signatures, businesses can establish legally binding documentation. Here are the different types of signatures you should know.
Proof
July 1, 2024
Real Estate

What Is a Hybrid eClosing?

A hybrid eClosing allows borrowers to sign most documents ahead of time, with the exception of those that require notarization.
Proof
December 19, 2023