Regulation and innovation – Federal Trade Commission

Federal Trade Commission Chair Lina Khan delivered a sharp warning to the technology industry in a speech at Stanford on Thursday: Antitrust enforcers are watching what you do in the race to profit from artificial intelligence. “Much is uncertain about what the future of this technology will look like,” said…

Data Collection and Privacy Concerns for At-Home Diagnostics

With the increasing availability of health information, there has been a rise in demand for at-home diagnostics companies that enable individuals to test their own samples and receive results without visiting a healthcare provider. This raises concerns about the data and privacy of consumer health information. At-home diagnostics testing handles highly…

How Generative AI Is Transforming the Music Industry

It’s been an eventful year in the world of generative music. In April, the first viral AI cover dropped: ghostwriter’s “Heart on My Sleeve,” which woke up the music world to the fact that AI content could not only exist, but could be good. Soon after, Google unveiled MusicLM, a…

Cross-authority roadmap on innovation in payments

UK regulators set out their approach to innovation in payments, money and money-like instruments. This paper explains how UK authorities’ current and proposed regulatory regimes will interact and it should be read in conjunction with the respective discussion papers from the Bank and FCA as well as PRA’s letter to bank Chief Executive Officers.

What is Product blog and product-led

  • Post category:Elabor8
  • Reading time:9 mins read

For the first time in a while, I recently delivered a short, in-person talk, entitled “Lessons Learned from Becoming a Product-led Organisation.” The contents comprised an introduction into what it means to be Product-led, why we should aspire to be more Product-led, selecting a starting point and 5 key learnings…

Embedded finance: unlocking the $500Bn opportunity

  • Post category:CapGemini
  • Reading time:6 mins read

The revised Payment Services Directive (PSD2) was passed by the Council of the European Union in 2015, and widely implemented in 2017. The regulation ushered the banking industry to the Open Banking era of seamless data exchange. The implications of this regulation were not restricted to only Europe. We witnessed…

Glasses can land you a Job

Seeking a programming gig? Wear glasses and keep your laptop in frame if you want your profile picture to attract recruiters on hiring platforms. A new study finds freelancers are more likely to land work when they “look the part” for a particular job. But, as companies increasingly tap into…

Hidden costs of agri-food systems revealed by Oxford research

Dr Lord, a senior researcher in food system economics with Oxford’s Environmental Change Institute, found nearly 75% of the hidden costs were associated with poor dietary patterns that lead to obesity and lifestyle diseases – which, in turn, will lead to near-term and long-term productivity losses. This was particularly stark…

Doctors: communication style can boost patients’ weight loss success – Oxford study

The researchers analysed 246 recordings of doctor-patient conversations and found that subtle aspects of communication, like word choice and tone of voice, influenced patient outcomes and suggests training providers on compassionate communication could aid weight loss efforts. The research comes at a time when obesity treatment guidelines encourage doctors to…

What happens to pensions after death?

  • Post category:The Fry Group - UK
  • Reading time:5 mins read

Pensions are likely to form the foundation of your retirement planning – helping ensure financial freedom through your later years. But what happens to your pension pot when you die. Jack Lear, UK Financial Planning Manager, looks at what to be aware of. Most of us carefully save into pensions…

How Investors Use the Media to Hurt Their Competitors

When Mark DesJardine was working on his Ph.D., in 2015, he studied a few of the organizations that certify lumber harvested from responsibly managed forests. As he dug into the details, he noticed a troubling pattern. A CFA charterholder, Tuck professor Mark DesJardine teaches the MBA elective Social Entrepreneurship. He…

Fabio Panetta on Extending the benefits of digital technologies to cross-border payments

Making cross-border payments cheaper, faster, and easily accessible would bring huge benefits to businesses and households alike, especially in emerging markets and developing economies. By Fabio Panetta In recent decades, the world has witnessed a remarkable surge in cross-border payments, driven by the globalisation of trade, capital and migration flows.…

California Adopts Digital Financial Assets Law

  • Post category:Latham & Watkins
  • Reading time:14 mins read

Licensees, exchanges, and other market participants should prepare to comply with the listing, disclosure, capital, and other requirements that the new law imposes. By Jenny Cieplak, Nima Mohebbi, Parag Patel, Stephen P. Wink, Ian Irlander, Adam Zuckerman, Luca Marquard, and Deric Behar On October 13, 2023, California Governor Gavin Newsom…

Usage-Based Pricing Is Popular, But Is It Right For You? A Rule of Thumb

One of the most common pricing questions we get from late-stage SaaS companies is: should we switch to a usage-based pricing model (also known as consumption-based pricing)? Often, these companies have an existing subscription model, and usage-based pricing sounds like it would further align their incentives with their customers’. After…

The Importance of Intercreditor Agreements

What is an Intercreditor agreement? An Intercreditor agreement outlines the rights and obligations of multiple creditors when lending to the same borrower. These are often referred to interchangeably as Deeds of Priority, however, an intercreditor agreement tends to be a more complex document which does not merely order the priority…

Excess savings and the dilemma… To spend or not to spend

During the pandemic many people put more money aside than usual. So what is happening with these additional funds? The ECB Blog looks at which households built up excess savings and how they are using the money. By Niccolò Battistini and Johannes Gareis Being forced to stay home during the…

Ethics: Would You Speak Up in These 3 Sticky Situations?

Imagine you’re a consultant and you notice a few eyebrow-raising behaviors, such as a colleague who misuses a client’s meal stipend or an executive who screams inappropriately at his staff. Should you step in and speak up? For consultants, especially those starting out, the tug of war of values and…

Encryption: Best practices for meeting your legal obligations

  • Post category:Gowling WLG
  • Reading time:8 mins read

What does it mean to "encrypt" information? And how does an organization know whether its existing encryption protocols are sufficient? The Protection of Personal Information and Electronic Documents Act (PIPEDA) imposes an obligation on businesses to use security safeguards to protect personal information in a manner appropriate to the sensitivity…

What Indicators Help in Identifying Low Performers on Your Team?

  • Post category:Civility Partners
  • Reading time:6 mins read

Every successful team depends on its members to contribute effectively and work together cohesively. As a manager or team leader, it is important to make sure that your team is working effectively and efficiently. Every team should have people who do their job that lives up to the company’s standards…

Protected by Europe

  • Post category:Avenir Suisse
  • Reading time:5 mins read

Since the beginning of the Russian invasion of Ukraine more than a year ago, almost 10,000 civilians have been killed, most of them by air strikes on civilian infrastructures. This has been a wake-up call for other European countries, none of which could currently provide sufficient protection for its population…

Navigating digital transformation in law firms

  • Post category:Clarasys
  • Reading time:8 mins read

The global economy is increasingly a digital one, and businesses are rapidly changing in response to keep pace with technology. Despite exponential-seeming increases in data, businesses, especially those in the legal sector, have not realised the potential gains. Law firms, specifically, are often partner-led organisations (Limited Liability partnerships, “LLP”) where…

Separated Parents: Deciding where your child goes to school

It’s that time of year when parents are required to make school place applications. Deciding on a school for your child can be a challenging task, and when parents cannot agree on this important decision, it can add additional complexity to an already delicate situation. When must school applications be…

Cost of living: meaningful customer communication takes more than money talk 

  • Post category:Yonder Consulting
  • Reading time:6 mins read

Long-term financial services solutions for a pervasive financial problem With money talk at the top of the agenda, striking the right tone is paramount to the financial future of businesses – as well as their customers. With just over half of customers (52%) believing their financial provider hits the mark…

I hear you

This week neuro-linguist Laura Gwilliams breaks down how sound becomes information in the human brain, specifically focusing on how speech is transformed into meaning.   Welcome back to "From Our Neurons to Yours," a podcast where we criss-cross scientific disciplines to take you to the cutting edge of brain science.…

How To Keep Email Subscribers Engaged for Life

  • Post category:Salesforce
  • Reading time:10 mins read

If you’re an email marketer, building a strong subscriber list is one of your top goals. But it’s also crucial to keep those email subscribers over the long term. Sending them great content is a given. But there’s an underrated factor that also determines success: email deliverability. Email platforms Gmail…

Let’s Stop Milking The Cow Twice

  • Post category:Avenir Suisse
  • Reading time:3 mins read

Contrary to what Martin Rufer, Director of the Swiss Farmers’ Union (SBC), wrote in his guest commentary for the NZZ on 4th September 2023, farmers and their families are not victims of a misguided fiscal policy. They are victims of Switzerland’s failed agricultural policy, that has been significantly shaped by…

Consumer Rights for Online Returns: Switzerland vs. the United Kingdom

  • Post category:Logan & Partners
  • Reading time:4 mins read

Online shopping has become a staple of modern commerce, and with it comes the necessity for clear consumer protection laws. Here’s a comparison of the rights of consumers in Switzerland and the United Kingdom (UK) when it comes to returning goods purchased online. Switzerland: 1. Right of Withdrawal: Switzerland does…

Open Banking: are businesses getting real value for their data?

  • Post category:Credit Agricole
  • Reading time:7 mins read

Thanks to the proliferation of APIs1 and the advent of Open Banking2, these FinTechs have specialised first and foremost in collecting, refining and structuring business data, notably banking and financial data.  They mass process information such as bank statements, customer and supplier billing histories and activity data from e-commerce and…

Have We Been Sleeping Well? Samsung Answers With Sleep Health Study

Today, more and more are prioritizing sleep as it relates to health. The growing interest in sleep is clear from recent trends observed with the Samsung Health app. Over the past two years, there has been a 182% increase1 in the number of users who actively tracked sleep2 at least…

Why Money Can’t Buy Employee Engagement

  • Post category:Civility Partners
  • Reading time:8 mins read

Right after I wrapped up my university degree, I was super excited to dive into my career. But let me tell you, it was no walk in the park trying to land my very first job. Finding a job, especially in my hometown, was a real challenge. After a whole…

How to Scale Nuclear Power

Nearly all of our electricity is generated from heat powering a steam turbine. Historically, this energy conversion has been achieved through burning wood or fossil fuels. However, while these sorts of reactions release a large amount of chemical energy, they are nothing compared to the energy of a nuclear reaction.…

The New Marketing, According to Tuck Faculty and Alumni

Marketing today looks nothing like it did in the 1960s, the start of “The Golden Age of Advertising,” when television gave brands new opportunities to connect with audiences. by Betsy Vereckey Technology has transformed the space, whether that’s machine learning algorithms that can pick the perfect image or curated social…

Wear Makeup – Reasonable Request or Sexual Harassment?

In a recent case against the high-end restaurant Tattu, based in Soho, London, the Employment Tribunal found that instructing female employees to wear makeup can constitute sexual harassment under the Equality Act 2010. In this particular case, Tattu’s deputy manager, Ms Joanne Huang told 24 year old waitress, Ms Jahnayde…

How to choose the right executor for your Will

Doris Duke, the heiress to a huge tobacco fortune, did not name a trusted family member as the executor of her Will. Instead, she chose her personal butler, Bernard Lafferty, to manage her estate. Concerns about his intentions grew when Duke became ill, and Lafferty already had a hearse waiting…

Welcome news for employers: Former fiduciary ordered to pay $50,000 in punitive damages

  • Post category:Gowling WLG
  • Reading time:6 mins read

In a welcome surprise to employers, the Alberta Court of King's Bench dismissed an employee's claim of wrongful dismissal. In its dismissal, the Court remarkably awarded both compensatory and punitive damages to the employer as a result of the employee's misconduct. Amid a pro-employee legal landscape, this decision serves as…

Four simple words to transform how you show up as a leader

As the old adage says (and I quote Marshall Goldsmith), “What got you here won’t get you there.” In other words, later in your career, moving fast and having all the answers is actually detrimental to your executive presence and your ability to motivate and engage others. Let’s unpack this…

Are Legal Advisors Over Cautious When Working with Experts?

  • Post category:HKA
  • Reading time:6 mins read

Maintaining an expert’s independence is of utmost importance. All participants in an arbitration or court proceedings know that a situation where an expert’s independence is being questioned should be avoided. However, what is a reasonable level of caution for legal advisors to hold when working with experts? Rebecca Ruthven Associate…

Build America, Buy America Act (BABA): Applicability and Implications

  • Post category:HKA
  • Reading time:6 mins read

As part of the Infrastructure Investment and Jobs Act passed by Congress on November 15, 2021, BABA established a domestic content preference for federal financial assistance obligated for infrastructure projects. The domestic content preference applies to three separate product categories: (i) iron or steel products, (ii) manufactured products, and (iii)…