EU Launches Crypto-Assets Regulation

In September 2020, the European Commission adopted a digital finance package with the aim of creating a supportive regulatory framework to enable the digital transformation of the European Union’s financial industry. It established the groundbreaking piece of regulation – the Markets in Crypto-Assets Regulation (MiCAR) – to provide a harmonised regulatory framework for crypto-assets in the EU. MiCAR came into force on 29 June 2023, almost three years later, and…

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Working Assumption: Factors Slowing AI’s Impact on Jobs

“How will this affect my job?” “It could never do my job!” We hate to disagree, but it is almost certainly the case that at least part of your current role could be performed by an AI. The discussion of the possible impact of AI on the workforce is being played out in many places. AI’s impact on the world of work has an enormous number of possible legal implications,…

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  • Reading time:14 mins read
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European autonomy in payments: Digital euro is not the only option

Inspired by the overarching goal to strengthen the EU’s strategic autonomy, its authorities are pushing for a retail payment solution provided by European players and functioning in all member states as well as across national borders. European citizens already enjoy a wide choice of payment options. However, card and mobile/online payments are dominated by non-European providers in many countries. What is more, these are the only ones to enable euro…

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  • Reading time:6 mins read
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Africa can be the “Clean, Green Continent of the Future”

Committing to sustainable energy development can be achieved alongside socio-economic development First stated by President William Ruto in his welcome address on the opening morning of the conference and then reiterated throughout, it is clear that leaders on the African continent see sustainable energy development and socio-economic development as not only compatible, but inextricably linked as crucial factors in the present and future of their nations and continent as a…

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How are World markets faring in 2023?

At the halfway point of the year, some of the key themes which have influenced global markets through the early months of 2023 have continued to dominate. Charlie Buxton, our Head of Investment Management, spoke to Ian Hooper, Chief Investment Officer at Progeny, to explore some of the recent developments. When it comes to global investment markets, two factors continue to play out. Firstly, strong returns are largely down to…

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Dealing with Workplace Jerks

Different personalities exist in every workplace, and among them, some individuals can make work challenging for others. These individuals tend to be selfish, aggressive, and arrogant, causing disruptions to morale and productivity in the workplace. Unfortunately, the prevalence of toxic coworkers is increasing, making it a frustrating task to handle them. Toxic coworkers exhibit various behaviors that can complicate identification. However, they commonly demonstrate traits such as controlling, manipulating, and…

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The 3 Newest Companies on YC’s Top Revenue List and What They’re Doing So Right

Much of that list is made up of companies that have been up and running for a decade or more. That makes sense, of course — the longer a company has thrived, the more time it has had to nurture what works and build up that momentum. Even so, a handful of relatively new companies (including one that went through YC just three years ago!) managed to break onto the…

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  • Reading time:25 mins read
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Money matters – tackling tough conversations about finance

Talking about money can feel uncomfortable and be fraught with challenges. In this new series, Trust Executive Shannon Brightman, explores some of the tough conversations about finance that come up at different stages of life and offer some thoughts about how you can approach some of those challenging discussions. It’s no surprise that discussing any aspect of personal finance can be awkward and emotive. Knowing when and how to broach…

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China, Russia, Iran, Are Just Following The US Example

  The US’s historical ascent to global dominance, and the implications for China, Russia, and today’s geopolitical landscape On this week’s WhoWhatWhy podcast, we delve into the dynamics of rising powers with Sean A. Mirski, author of the new book, We May Dominate the World. Mirski, a lawyer and foreign policy scholar, has worked on national security issues for several US presidential administrations. He is a member of the Council…

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Helping adolescents feel competent and purposeful may improve grades

Encouraging adolescents to feel capable and purposeful – rather than just happy – could improve their academic results as well as their mental health, according to new research which recommends changing how wellbeing is supported in schools. The University of Cambridge study, involving over 600 teenagers from seven English schools, examined two separate aspects of their wellbeing: life satisfaction and ‘eudaimonia’. While life satisfaction roughly equates to how happy a…

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Accenture Song Helps smart Europe Reinvent the Car Shopping Experience

Accenture has teamed up with smart Europe to establish its data-driven, direct-to-consumer (DTC) business model in Europe, repositioning the iconic brand and supporting the launch of its new fully electrical car lines, starting with the smart #1, with an innovative take on the car customization experience. Together the companies’ ambition is to make the car shopping experience easier and personalized to each customer. Implementing the direct sales model including a…

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Macro-economic Scenario 2023-2024 – Normalisation plays hard to get

The US economy has been resilient but is starting to crack, and these cracks get deeper as the repressive effects of monetary and financial tightening make themselves known. Housing investment has already experienced a sharp adjustment, and real investment in turn should fall substantially. After dipping into their savings and relying on credit, the consumers who underpinned such resilient growth may be less confident and more thrifty. While a stronger-than-expected…

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  • Reading time:5 mins read
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Prepare today for tomorrow’s cyber crisis – Why incident response matters

Imagine you are driving a car and suddenly encounter a roadblock. Would you have a detour plan ready to navigate around it or would you continue driving, hoping it would disappear? You only have one choice, right? Now consider this in the context of cybersecurity incident response where only 30% of businesses are prepared for an attack; or to continue the analogy, where almost 70% would drive on before they…

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Resources for Building a Positive Work Culture

In the ever-evolving realm of modern organizations, there’s a shared understanding of the paramount importance of fostering a positive work culture. It’s no secret that a supportive and uplifting culture doesn’t just make employees happy, but it’s also the key for driving productivity and achieving remarkable outcomes. However, measuring the intangible aspects of work culture can be challenging.  To find out how you’re doing on your journey to build a…

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Cultivating a learning culture: Introduction to reverse mentoring

Good company culture is the holy grail that many companies aspire to have and the thing that prospective employees seek. Undoubtedly, organisations have shifted towards becoming more employee-centric and use these benefits to drive value for their clients. This raises the question: how can leadership better understand what employees truly desire to build a more employee-centric organisation? Creating such an organisational change requires both knowledge sharing and collaboration as an…

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  • Reading time:10 mins read
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Digital exclusion: 4 ways to create digitally inclusive strategies

What do we mean by ‘digital exclusion’? When we talk about digital exclusion, we mean people who don’t use the internet or digital devices such as smartphones, tablets, and laptops. And then there’s also a group we call ‘digitally disadvantaged’. Digitally disadvantaged people do use the internet, but only in a limited way. 1.    Come from a customer-driven perspective The most inclusive strategies are driven by the goals of your…

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How to become a pension millionaire

Retirement is a time when most of us can aim for a more relaxed pace of life and enjoy some long-held plans and dreams. But it’s been pretty impossible to escape the effect of higher inflation in the last 12 months, and its impact will ripple on for some time to come – perhaps into your retirement years. So with increasing costs is it likely that you’ll need a pension…

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5 lessons Wimbledon greats can teach you about financial planning

Every summer, the focus of world sport turns to a 42-acre site in the south-west of London. Since 1877, the All England Club has hosted the Wimbledon championships – one of the most prestigious tournaments in the tennis calendar. The only Grand Slam event to take place on grass courts, the tournament offers a cool £2.35 million to the winner of the gentleman’s and ladies’ singles – a far cry…

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Demographics Matters More Than Ever for Catching Tailwinds for Businesses and Investors

In November 2022, the United Nations announcement that the global population had crossed the 8 billion mark brought out the usual fearmongering regarding overpopulation, food shortages and environmental destruction. But what if this is the last flourish for population increases and, 50 years from now, we’ll reminisce of countries and economies that once grew? The UN’s gargantuan figure does not paint a complete picture of current demographic trends, nor does it capture…

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Whistleblowing and Financial Services

Whistleblowing, as set out in the Public Interest Disclosure Act 1998 (‘PIDA’), is the act of reporting wrongdoing within an organisation with the aim of preventing it, and any harm that may arise from it. This holds particular importance in the financial services industry due to the clear potential for serious wrongdoings such as insider trading, financial fraud, money laundering and corruption to undermine the integrity of the financial system.…

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More active Older adults have a better quality of life

The same was also true for increases in the amount of sedentary time, such as watching TV or reading. The researchers say this highlights the need to encourage older adults to remain active. Physical activity – particularly when it is moderate-intensity and raises your heart rate – is known to reduce the risk of a number of diseases, including heart disease, stroke, diabetes and cancer. The NHS recommends that adults…

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Customer Closeness

Customer Closeness – the ‘Why’ In our experience, business event organizers aren’t as close to their customers as they claim. Deep and segmented customer understanding is vital to any business’s success, particularly in events where the job of organizers is to facilitate meaningful connections. Tradeshows are increasingly competing for participants’ time, attention, and budgets. Major event brands that have disappeared due to losing touch with their audiences include Baselworld and…

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How can we train large language models Faster and Cheaper?

ChatGPT and other applications that rely on large language models (LLMs) are gaining widespread use and drawing abundant media attention. But a handful of large well-funded tech companies dominate the LLM space because pretraining these models is extremely expensive, with cost estimates starting at $10 million and potentially reaching tens or hundreds of times that. “Large language models are not very accessible to smaller organizations or academic groups,” says Hong…

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How Logistics Disruptors use Data insights for greener shipping

ZeroNorth uses data to help shipping companies become more efficient and, by extension, greener. Its interactive platform provides simulations, predictions, analysis, and data-driven insights that can aid shipping companies in their quest to traverse oceans while consuming less fuel. Founded in June 2020, the Copenhagen-based start-up now has about 200 employees in six locations around the globe. ZeroNorth says it helped prevent more than 440,000 tons of CO2 from being…

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Nature has its own highways

Human ingenuity can solve all kinds of complex problems and find solutions to overcome all sorts of obstacles. But sometimes nature provides the best answer. To transport heavy, bulky goods to the sea, for example, we could build roads, bridges and petrol-powered trucks that emit climate-changing CO2. Or… we could simply float them down rivers, nature’s natural highways. The Nemunas River flows for nearly a thousand kilometres from the uplands…

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Access to Resources Support Influences Employee Engagement

Building on the first article in our two-part series, "Decoding Employee Needs for Resources and Support with Listening," this piece will explore the critical interplay between resources, support, and employee engagement. As emphasized in our previous discussion, effective employee listening not only helps translate employee voices into data-driven insights. It can also serve as a compass guiding the organization toward continual improvement and success. What Employees Want: Fulfillment and Productivity…

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Patch me if you can

Many organizations utilize third-party apps for identity security solutions to automate and unburden overtaxed IT admins from tedious tasks that employees can perform via self-service without IT assistance. But in September 2021, our researchers observed threat actors exploiting one such third-party app at several US-based entities. The vulnerability was publicly reported on September 6, 2021 as CVE-2021-40539 Zoho ManageEngine ADSelfService.1 The application in question was a multifactor authentication, single sign-on,…

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When open source AI falls into the wrong (bad) hands

A researcher was granted access earlier this year by Facebook’s parent company, Meta, to incredibly potent artificial intelligence software – and leaked it to the world. As a former researcher on Meta’s civic integrity and responsible AI teams, I am terrified by what could happen next. Though Meta was violated by the leak, it came ... Continue reading »

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Influencers and Psychological Strategies

Nathalie made a living promoting fashion brands and products on social media. Initially, she found her work as an influencer liberating as it allowed her to express herself. However, over time, the responsibility and pressure that came with having her whole life displayed online took a toll on her physical and mental health. The constant need to churn out fresh, digital material for mass consumption, often by sharing intimate details…

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Understanding Depopulation Could Be Good For Business

In November 2022, the United Nations announcement that the global population had crossed the 8 billion mark brought out the usual fearmongering regarding overpopulation, food shortages and environmental destruction. But what if this is the last flourish for population increases and we will look back 50 years from now with fond memories of countries and economies that once grew? The UN’s gargantuan figure does not paint a complete picture of…

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  • Reading time:8 mins read
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Yes, there are business lessons to learn from the sports world

You might have seen our recent campaign, which draws on the parallels between CEOs and professional athletes. If not, you can check it out here. Since its launch, both the sports and business domains, and their synergies, have become front of mind for us at Elixirr. Whilst the overlap between the two worlds is by no means a new comparison, the more widely we spoke on it, the more it…

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How to change Abrasive Leaders

Abrasive leaders, also known as “workplace bullies,” engage in aggressive behavior because they are truly unaware that their actions cause so much damage to those around them. A lot of times, they are labeled as narcissists or gaslighters because they display these kinds of behaviors. Sure, they know they’re seen as hard managers to work with, but they probably think their management style makes them effective leaders. This lack of…

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Beyond Borders: How HR Can Help International Employees Thrive

Today’s business environment operates on a global scale. Sending employees overseas is becoming increasingly common and many organizations can take advantage of the vast benefits of doing so. For companies operating across borders, having staff with an understanding of working internationally is not just an added advantage, but a competitive necessity. In fact, over 65% of multinational companies operate international relocation programs, and guess what? Malt does too. However, sending…

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Social Media Marketing for Doctors – How To Do It Right

Are you still relying on word-of-mouth referrals to get new patients? Wake up and smell the antiseptic, Doc. Social media marketing for doctors is the new Yellow Pages. We get it. You’re from a prescriptive world full of rules and regulations. The wild west of advertising on social media can seem like extra work on your busy plate or simply not for you. But social media in healthcare is not…

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  • Reading time:21 mins read
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