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5 Reasons Why Experts Should Drive Your Content Marketing Strategy
It’s a fact: buyers today don’t want to be prospected, demoed, or closed. Whether it’s a procurement officer on the other end of the phone, a prospect reviewing a product online, or a journalist assessing the credibility of a potential spokesperson, “buyers” today expect a more authentic, reliable and practical experience when getting to know an organization, product or service. That’s why understanding how your expertise fits into the buyer’s journey to attract attention, drive interactions and earn trust is becoming critical to success. For marketers today the purchase process has increased in complexity. Today, audiences advance through a process known as the buyer’s journey” – the research and decision-making process that customers go through which progresses from awareness to evaluation and ultimately purchase. The Shift to Expertise Marketing In the early days of marketing and sales, organizations practiced a features oriented “buy what I have” approach; however, these traditional product-oriented marketing approaches are failing to yield the benefits they once did. Audiences have become far more sophisticated. Research clearly shows that expert content is setting the bar for relevance, credibility and attractiveness for every stage of the buyer journey. Here’s 5 major trends you need to know plus some helpful tips to help you deal with this reality. #1 – Buyers Have Shifted into Self-Serve Mode When Researching Purchases Approximately 67% of the buyer’s journey is complete prior to contacting a vendor (Source: Sirius Decisions) The research continues to show that many buyers would sooner help themselves to content rather than speak to a salesperson, especially in the early stage of the buyer journey. Audiences are increasingly venturing online to doing more of their own research to validate the buying decision. And they are digging deeper into content and are looking to see the people you have on board to support their decision-making. Tip: Remember that people buy from people. Think about how you can create a more human user experience by giving your experts and their content more profile on your website to drive engagement and build trust. It’s time to go beyond simple headshots and biographies to develop a richer amount of supporting information that feeds your website and search engines. #2- The Buyer Journey is More Collaborative & Non-Linear Than Ever Its clear that the traditional linear sales funnel has disappeared. In B2B markets, buyers now engage with an average of 11.4 pieces of content prior to making a purchase (Source: Forrester Research). They are now more likely to bounce around in a variety of sites. Tip: Evaluate the touchpoints you provide with expert content across your websites and how they interact at various buyer stages, from initial search to content to the connection process. In the end are you making it easy for buyers to engage with the content your experts have to offer? #3 – Experts are a Top Source of Influence in Purchase Behavior Research by the Information Technology Sales and Marketing Association (ITSMA) has consistently ranked subject-matter experts as a top source of information influencing purchase behavior in B2B, higher consideration purchases. In this new model, buyers validate the purchase decision by seeking out reliable information from trusted sources. Decisions such as what lawyer to choose; what IT platform to invest in or where to study for graduate school can be very positively influenced by expert content. Tip: Ensure you have engaging expert content available online to support buyers across all stages of the buyer journey. Remember they may be looking for additional validation as well as education. #4 – The Buying Process is More Inclusive than Ever with Multiple Personas Playing a Part In addition to consulting industry peers on social media channels, buyers work with colleagues inside their organizations when making purchase decisions. Marketers and salespeople cannot be content with focusing on key decision makers. If you aren’t known company-wide this will present challenges. Tip: Marketers must reach the broader buying group in an organization, which means making larger amounts of expert content with messages targeted to specific personas. Weaving experts into the discussion and engaging more departments within a buyer’s organization will help wield influence on the final buying decision. #5 – Feeding the Search Engines The Right Content Matters More Than Ever According to a Google/Millward Brown study, 71% of business purchases begin with a non-branded search. These generic queries, are from people looking for product first, not for a specific brand or organization name. Huge improvements in organic search rank are possible once when your content is optimized to support the customer at all phases of the buyer journey. Expert content, in the form of articles, infographics, or videos, not only strengthens the trust relationship with your buyer, but also reinforces your value and expertise with search engines. you pay a little more attention to the information structure on your website and add assets such as multimedia content to expert profiles. Search engines continue to reward well developed expert content that has personal attribution with higher trust and authority rankings as it views this content as more relevant. Tip: Start with some tests using Google and Bing to assess how your experts are surfacing on key topics. Also do some searches on the names of your experts to see what position they surface at organically. Where possible add videos, photos, audio, books and social content that you can add to their profiles. Also ensure that the information is properly tagged to allow search engines to properly index this content. About ExpertFile ExpertFile is changing the way organizations tap into the power of their experts to drive valuable inquiries, accelerate revenue growth, and enhance their brand reputation. Used by leading corporate, higher education and healthcare clients worldwide, our award-winning platform helps teams structure, manage and promote their expert content while our search engine features experts on over 50,000+ topics. Learn more at: www.expertfile.com/getstarted.
A final disbursement of $8.8 million completes the $17.8 million grant awarded by the Department of Defense (DoD) to Virginia Commonwealth University’s (VCU) Convergence Lab Initiative (CLI). The funding allows CLI to continue advancing research in the areas of quantum and photonic devices, microelectronics, artificial intelligence, neuromorphic computing, arts and biomedical science. “The Convergence Lab Initiative represents a unique opportunity to drive innovation at the intersection of advanced technologies, preparing our students to tackle the critical challenges of tomorrow,” said Nibir Dhar, Ph.D., electrical and computer engineering professor and CLI director. “By combining cutting-edge research in electro-optics, infrared, radio frequency and edge computing, we are equipping the next generation of engineers with the skills to shape the future of both defense and commercial industries.” Working with Industry Partnership is at the heart of CLI and what makes the initiative unique. CivilianCyber, Sivananthan Laboratories and the University of Connecticut are among several collaborators focusing on cutting-edge, multidisciplinary research and workforce development. The lightweight, low-power components CLI helps develop are capable of transforming military operations and also have commercial applications. The Convergence Lab Initiative has 25 collaborative projects in this area focused on: Electro-optic and Infrared Technologies: Enhancing thermal imaging for medical diagnostics, search-and-rescue operations and environmental monitoring. This improves military intelligence, surveillance and reconnaissance capabilities. Radio Frequency and Beyond 5G Communication: Developing ultra-fast, low-latency communication systems for autonomous vehicles, smart cities and telemedicine. Accelerating advancements in this area also address electronic warfare challenges and security vulnerabilities. Optical Communication in the Infrared Wavelength: Increasing data transmission rates to create more efficient networks that support cloud computing, data centers, AI research and covert military communications. Edge Technologies: Creating low size, weight and low power-consuming (SWaP) computing solutions for deployment in constrained environments, such as wearables, medical devices, internet of things devices and autonomous systems. These technologies enhance real-time decision-making capabilities for agriculture, healthcare, industrial automation and defense. Benefits for Students College of Engineering students at VCU have an opportunity to engage with cutting-edge research as part of the DoD grant. Specialized workforce development programs, like the Undergraduate CLI Scholars Program, provide hands-on experience in advanced technologies. The STEM training also includes students from a diverse range of educational backgrounds to encourage a cross-disciplinary environment. Students can also receive industry-specific training through CLI’s Skill-Bridge Program, which facilitates direct connections between business needs and academic education. Unlike the DoD program for transitioning military personnel, the CLI Skill-Bridge is open to students from VCU and other local universities, creating direct connections between industry needs and academic training. This two-way relationship between academia and industry is unlike traditional academic research centers. With the College of Engineering’s focus on public-private partnerships, VCU becomes a registered partner with the participating businesses, collaborating to design individualized training programs focused on the CLI’s core research areas. This approach ensures students receive relevant, up-to-date training while companies gain access to a pipeline of skilled talent familiar with the latest industry trends and innovations. “The significance of this grant extends beyond immediate research outcomes. It addresses critical capability gaps for both the DoD and commercial sectors,” says Dhar. “This dual-use approach maximizes DoD investment impacts and accelerates innovation in areas that affect everyday life — from healthcare and environmental monitoring to communication networks and smart infrastructure. Breakthroughs emerging from these collaborations will strengthen national security while creating commercial spinoffs that drive economic growth and improve quality of life for communities both locally and globally. Advances in infrared technology, in particular, will position the VCU College of Engineering as a center for defense technologies and new ideas.”
What's Your Retirement Plan B?
Chances are, you have seen the ups and downs in the financial markets, which can really cause seniors a lot of anxiety when looking at those portfolio statements. Add to that the ripple effects of the Canada-U.S. trade war, and it’s more essential than ever to have a Plan B. The Trade War Is Personal The Canada-U.S. trade tensions may appear to be a political issue, but their repercussions are directly impacting kitchen tables across the country. Inflation is increasing the cost of everyday essentials, while investments—on which many retirees depend for income—are suffering. For those who cannot easily re-enter the workforce, this situation is more than just inconvenient. It’s stressful. Withdrawing investments during a market dip can permanently reduce your savings. Meanwhile, rising prices on everything from apples to arthritis medication stretch fixed incomes thinner than ever. This isn’t just about budgeting anymore —it's about building a wise financial safety net. Plan B Matters More in Retirement You’ve worked hard to reach this point. Retirement should be about freedom, not fear. However, having a backup plan is essential since there are limited ways to generate new income. Think of Plan B as your financial airbag — something you hope you never need, but you're grateful it's there when life encounters a bump. And let’s be honest: even the most well-padded retirement can use a little backup when the economy’s doing somersaults. The Simple Economics of Cashflow Managing your finances boils down to a straightforward equation: money in versus money out. Think of it as balancing a seesaw—on one side, you have your income (cash in), and on the other, your expenses (cash out). For seniors, especially those on a fixed income, keeping this balance is crucial. Boosting Your Income Even in retirement, there are ways to add a little extra to your “money in” side. This could be through part-time work, turning a hobby into a small business, or renting out unused space in your home. Every additional dollar earned can provide more breathing room in your budget. Another option for many Canadians, is right under their feet—their homes. Home equity can be a powerful tool, giving them access to funds without selling or downsizing. Here are some practical options you may want to consider: Home Equity Line of Credit (HELOC): If you qualify, a HELOC offers flexible access to funds and charges interest only on the amount you use. It’s perfect for short-term needs or emergency access. Remember, you’ll need to make monthly payments and provide proof of income to qualify. Manulife One is a creative and customizable solution that combines your mortgage, income, and savings into a single account. It allows you to borrow against your home with greater flexibility. Payments are required but can be made within the available limit. Qualifying is similar to a HELOC. Reverse Mortgage: For homeowners aged 55 and older, a reverse mortgage allows you to access your home equity without the need for monthly payments. The loan is repaid when you sell or move, providing you with freedom and cash flow while remaining in your home. These tools can help ensure you're not forced to withdraw from investments during market downturns, letting your money recover while you stay comfortable. Trimming Your Expenses On the flip side, reducing your “money out” can be equally, if not more, effective. Perhaps you have subscriptions you no longer use for streaming services or mobile phone plans. Or you find you are purchasing too many items at the store because you aren’t preparing a list. Or you are dining out multiple times a week. Remember, every dollar you don’t spend is a dollar saved. Let’s unpack this a bit more, looking at this from a tax perspective Understanding the After-Tax Advantage of Cost Reduction For seniors supplementing their income with part-time work, it’s crucial to recognize that reducing expenses can be more impactful than earning additional income, primarily due to the effects of taxation. For example, let’s consider part-time income at a marginal tax rate of 30%. -------------------------------------------------------------------------------------------------- • To have an extra $100 in your pocket after taxes, you’d need to earn approximately $142.86 before taxes. This is because 30% of $142.86 is $42.86, leaving you with $100 after tax. • Conversely, if you reduce your expenses by $100, you effectively save the full amount. There’s no tax on money you don’t spend. Why This Matters: Every dollar saved is equivalent to more than a dollar earned when considering taxes. This means that focusing on cost-saving measures can be a more efficient strategy for improving your financial situation than seeking additional taxable income. 3 Major Strategies to Help You Cut Costs Budgeting: Prioritize identifying and eliminating unnecessary expenses. Regularly review subscriptions, dining habits, and utility plans to find areas where you can cut back. Smart Shopping: Utilize discounts, loyalty programs, and bulk purchasing options to reduce spending on essentials. Tax Planning: Be aware of how additional income might affect your tax bracket and eligibility for income-tested benefits. Sometimes, earning more can inadvertently reduce certain government benefits. Saving Smart – Some Tips to Get Started Your Plan B doesn’t have to focus solely on earning more income or borrowing. Sometimes, the best backup plan begins with cutting the extras. Think of it as being retro cool — just like you were before it became trendy. Tip #1: Rethink Dining Out - A Once-A-Week Treat, Not a Routine I love to dine out. It’s great to leave the cooking to someone else, especially after a busy day. But this is also one of the fastest ways to drain your budget. In Toronto, the average cost of a casual dinner for two with wine is around $90–$120. Opt for a more upscale spot? You’re likely looking at $150+ after tax and tip. Savings Tips • Cutting out one dinner per week could save approximately $400–$500/month or $5,000–$6,000/year. • Think about hosting a monthly dinner with friends at home where everyone brings a dish. You’ll still enjoy social time—but for a fraction of the cost. Or maybe try organizing a game night. Perhaps it’s euchre or cribbage, or maybe charades they all have something in common (they don’t require a monthly fee). Organize a potluck to bring people together. Twister might be off the table (unless your chiropractor is on standby), but laughter and connection are always in season. • Also think about how you can share resources. From ride-shares to splitting bulk grocery purchases with a neighbor, the old-school approach of sharing is making a comeback. It’s like carpooling, but with avocados and streaming passwords. Tip #2 Review Your Subscriptions - What are you Really Using? Have you already binge-watched all the episodes of your favourite shows, but you are still paying for streaming services you haven’t used in months? Then it’s time to cancel some subscriptions. According to the Convergence Consulting Group The average Canadian household now spends $70–$90/month on streaming and digital services (Netflix, Disney+, Prime Video, Spotify, etc.). Many people are paying too much for mobile. According to the CRTC, the average Canadian pays $64/month for mobile service. Seniors who negotiate can often reduce this to $35–$45/month—a 30–40% savings. Savings Tips: • Audit Your Subscriptions: Write down every monthly and yearly subscription you have. Even cutting or optimizing 2 or 3 could save $30–$50/month. • Cancel subscriptions you don’t use often. You can always resubscribe later. Instead of paying for four platforms and using a few, consider rotating through them one at a time. You’ll be surprised at how quickly you can catch up on your favorites. Many streaming platforms also offer free trials or cheaper, ad-supported versions. • Call Your Mobile Phone & Internet Carrier Once a Year. Most people don’t realize how much loyalty can cost them. New customers often get much better deals than long-standing ones. When you call, here are some questions to ask: “Am I on the best plan for my usage?” “Are there any promotions I qualify for?” “Can I get a loyalty discount?” “Do you offer special discounts for seniors?” Keep in mind there are also senior-specific mobile plans from carriers like Zoomer Wireless, Public Mobile, or SpeakOut. • Don’t be shy about taking your business elsewhere. Carriers don’t want to lose subscribers and have special offers designed to make you want to stay. You’d be surprised how quickly they "find" a discount. Savings Tip #3: Don’t Throw Out Those Flyers and Coupons With inflation pushing up grocery prices, shopping smart matters more than ever. According to Statistics Canada, the average Canadian household now spends $1,065/month on groceries. So, it may be time to pay attention to those grocery store flyers you used to throw out. While Canadian data on potential savings is limited, US studies show that flyers and couponing can reduce costs by 10–25% for groceries and other household items if used consistently. Savings Tips: • Use apps like Flipp or visit sites like Smart Canuks to find online flyers you may have missed. • Sign up for loyalty cards to access extra discounts. One of the most popular savings programs, PC Optimum, offers frequent discounts and helps you collect points at Shoppers Drug Mart and Loblaws. Also, remember to swipe loyalty cards at the pump; many gas retailers offer discounts that can add up. • Consider shopping at stores like Walmart, which have pricing-matching policies for identical items you find advertised elsewhere. Saving Tip #4: Cut the “Daily Habits” That Add Up Remember, it’s not just the big expenses—it’s the daily ones that sneak up on you. Let’s look at a few “seemingly small” indulgences as examples: • 3 Starbucks Grande Lattes ($6.45 + tax) x 3 days/week = $1,137/year • Take-Out Lunch (for $12 + Tax) x 3 days/week = $2,115/year That’s over $3,000/year in “small” daily purchases! Savings Tips: • Prepare Meals in Advance: Cooking larger portions and planning for leftovers can minimize the temptation of ordering takeout. Planning meals and shopping with a list can prevent impulse purchases and reduce food waste. • Embrace the Home Café Trend: Investing in a quality coffee maker and brewing your own coffee can add joy to your day but also reduce your costs. • Set a Food Budget: Establishing a clear budget for dining out and groceries helps you track expenses and make more mindful spending decisions. Try allocating specific amounts to avoid overspending. Saving Tip #5: Leverage Senior Discounts if you are 60+ From transit to museums to groceries and drugstores, there are dozens of businesses that offer 10–20% off for seniors—but they don’t always advertise it. Many stores also have a set day of the week for seniors' discounts. Consider this: A $50 weekly purchase with 20% off saves $10—over $500/year. Savings Tips: • Shoppers Drug Mart has a 20% Seniors Day on Thursdays (for those 65+) • Rexall offers a 20% discount on Tuesdays • Many major retailers (e.g., Canadian Tire, Sobeys) offer senior discounts that vary by location—ask at checkout. Cineplex has special pricing for seniors plus seasonal promos like $5 Tuesdays if you want to take the grandkids with you. Saving Tip #6: Mind Your Utilities and Insurance Reviewing these bills once a year can result in hundreds of dollars saved. Consider switching to time-of-use electricity plans, which are offered in most areas. Check to see when cheaper rates are offered during off-peak hours, and look at using appliances such as your clothes dryer on off-peak hours. You can also lower your insurance premiums by looking at options such as raising your deductible (if you’re comfortable with the risk). Also, look at rates offered by providers for “pay as you drive” insurance, especially if you aren’t using your car a lot. Also, if you are not bundling your home and auto insurance, you may be missing out on some savings. Saving Tip #7: Buy & Sell Online Many items we need can be found for a fraction of the cost used on platforms such as Facebook Marketplace and Kijiji. And remember, buying a used item also saves on tax. Many retirees have extra furniture, tools, collectibles, or tech they don’t need. It's now easier than ever to declutter and turn these unused items into extra cash. It’s All About Small Changes and Big Rewards Recessions are hard on everyone, but especially on those living on fixed incomes. The good news is that there are plenty of smart, manageable ways to reduce expenses without giving up all the good things in life. By becoming a more conscious consumer and checking in on your spending habits once or twice a year, you can save thousands of dollars annually—money that can be redirected toward travel, gifts for grandkids, or, if nothing else, it just may calm your nerves. Another Tip: Don’t Wait — Timing Matters If this trade war continues, housing values may dip, which means the equity you can access could shrink. Getting your Plan B in place now ensures you lock in flexibility and peace of mind before things tighten up. Remember, it’s easier to get approved for a HELOC or reverse mortgage when you don’t urgently need it. It's better to set it up and keep it on standby than to wait until it’s too late. Talk It Out Stress develops in silence. Speak to family and friends about your concerns. They may not have all the answers, but they’ll provide emotional support — and possibly assist with paperwork or technical hurdles. If you have senior loved ones, check in and ask how they’re feeling about rising costs and uncertainty. These conversations go a long way and might even lead to better solutions. This trade war isn’t solely about economics. It involves peace of mind, dignity, and stability in retirement. While it may not be the type of Plan B that preoccupies the younger generation, it is equally important — perhaps even more so. So, take a breath. Make a plan. Get creative with your budget, and look at ways to save. Tap into your home equity if necessary, and don’t hesitate to ask for help. With the right Plan B, you can face the future with confidence — and perhaps even enjoy a little fun along the way. Here's a handy checklist to help you get started. Quick Wins Checklist ❏ Cancel one unused subscription ❏ Call your mobile carrier for a better deal ❏ Bring lunch instead of dining out 1x/week ❏ Use a coupon or flyer on your next grocery trip ❏ Look for a senior discount before you pay ❏ Brew your coffee at home 3 days this week ❏ Research potential discounts on your car insurance (bundling or pay-as-you-drive options) ❏ Use your clothes dryer or other appliances during off-peak hours to save on electricity Don’t Retire … Re-Wire! Sue
Decoding the Future of AI: From Disruption to Democratisation and Beyond
The global AI landscape has become a melting pot for innovation, with diverse thinking pushing the boundaries of what is possible. Its application extends beyond just technology, reshaping traditional business models and redefining how enterprises, governments, and societies operate. Advancements in model architectures, training techniques and the proliferation of open-source tools are lowering barriers to entry, enabling organisations of all sizes to develop competitive AI solutions with significantly fewer resources. As a result, the long-standing notion that AI leadership is reserved for entities with vast computational and financial resources is being challenged. This shift is also redrawing the global AI power balance, with a decentralised approach to AI where competition and collaboration coexist across different regions. As AI development becomes more distributed, investment strategies, enterprise innovation and global technological leadership are being reshaped. However, established AI powerhouses still wield significant leverage, driving an intense competitive cycle of rapid innovation. Amid this acceleration, it is critical to distinguish true technological breakthroughs from over-hyped narratives, adopting a measured, data-driven approach that balances innovation with demonstrable business value and robust ethical AI guardrails. Implications of the Evolving AI Landscape The democratisation of AI advancements, intensifying competitive pressures, the critical need for efficiency and sustainability, evolving geopolitical dynamics and the global race for skilled talent are all fuelling the development of AI worldwide. These dynamics are paving the way for a global balance of technological leadership. Democratisation of AI Potential The ability to develop competitive AI models at lower costs is not only broadening participation but also reshaping how AI is created, deployed and controlled. Open-source AI fosters innovation by enabling startups, researchers, and enterprises to collaborate and iterate rapidly, leading to diverse applications across industries. For example, xAI has made a significant move in the tech world by open sourcing its Grok AI chatbot model, potentially accelerating the democratisation of AI and fostering innovation. However, greater accessibility can also introduce challenges, including risks of misuse, uneven governance, and concerns over intellectual property. Additionally, as companies strategically leverage open-source AI to influence market dynamics, questions arise about the evolving balance between open innovation and proprietary control. Increased Competitive Pressure The AI industry is fuelled by a relentless drive to stay ahead of the competition, a pressure felt equally by Big Tech and startups. This is accelerating the release of new AI services, as companies strive to meet growing consumer demand for intelligent solutions. The risk of market disruption is significant; those who lag, face being eclipsed by more agile players. To survive and thrive, differentiation is paramount. Companies are laser-focused on developing unique AI capabilities and applications, creating a marketplace where constant adaptation and strategic innovation are crucial for success. Resource Optimisation and Sustainability The trend toward accessible AI necessitates resource optimisation, which means developing models with significantly less computational power, energy consumption and training data. This is not just about cost; it is crucial for sustainability. Training large AI models is energy-intensive; for example, training GPT-3, a 175-billion-parameter model, is believed to have consumed 1,287 MWh of electricity, equivalent to an average American household’s use over 120 years1. This drives innovation in model compression, transfer learning, and specialised hardware, like NVIDIA’s TensorRT. Small language models (SLMs) are a key development, offering comparable performance to larger models with drastically reduced resource needs. This makes them ideal for edge devices and resource-constrained environments, furthering both accessibility and sustainability across the AI lifecycle. Multifaceted Global AI Landscape The global AI landscape is increasingly defined by regional strengths and priorities. The US, with its strength in cloud infrastructure and software ecosystem, leads in “short-chain innovation”, rapidly translating AI research into commercial products. Meanwhile, China excels in “long-chain innovation”, deeply integrating AI into its extended manufacturing and industrial processes. Europe prioritises ethical, open and collaborative AI, while the APAC counterparts showcase a diversity of approaches. Underlying these regional variations is a shared trajectory for the evolution of AI, increasingly guided by principles of responsible AI: encompassing ethics, sustainability and open innovation, although the specific implementations and stages of advancement differ across regions. The Critical Talent Factor The evolving AI landscape necessitates a skilled workforce. Demand for professionals with expertise in AI and machine learning, data analysis, and related fields is rapidly increasing. This creates a talent gap that businesses must address through upskilling and reskilling initiatives. For example, Microsoft has launched an AI Skills Initiative, including free coursework and a grant program, to help individuals and organisations globally develop generative AI skills. What does this mean for today’s enterprise? New Business Horizons AI is no longer just an efficiency tool; it is a catalyst for entirely new business models. Enterprises that rethink their value propositions through AI-driven specialisation will unlock niche opportunities and reshape industries. In financial services, for example, AI is fundamentally transforming operations, risk management, customer interactions, and product development, leading to new levels of efficiency, personalisation and innovation. Navigating AI Integration and Adoption Integrating AI is not just about deployment; it is about ensuring enterprises are structurally prepared. Legacy IT architectures, fragmented data ecosystems and rigid workflows can hinder the full potential of AI. Organisations must invest in cloud scalability, intelligent automation and agile operating models to make AI a seamless extension of their business. Equally critical is ensuring workforce readiness, which involves strategically embedding AI literacy across all organisational functions and proactively reskilling talent to collaborate effectively with intelligent systems. Embracing Responsible AI Ethical considerations, data security and privacy are no longer afterthoughts but are becoming key differentiators. Organisations that embed responsible AI principles at the core of their strategy, rather than treating them as compliance check boxes, will build stronger customer trust and long-term resilience. This requires proactive bias mitigation, explainable AI frameworks, robust data governance and continuous monitoring for potential risks. Call to Action: Embracing a Balanced Approach The AI revolution is underway. It demands a balanced and proactive response. Enterprises must invest in their talent and reskilling initiatives to bridge the AI skills gap, modernise their infrastructure to support AI integration and scalability and embed responsible AI principles at the core of their strategy, ensuring fairness, transparency and accountability. Simultaneously, researchers must continue to push the boundaries of AI’s potential while prioritising energy efficiency and minimising environmental impact; policymakers must create frameworks that foster responsible innovation and sustainable growth. This necessitates combining innovative research with practical enterprise applications and a steadfast commitment to ethical and sustainable AI principles. The rapid evolution of AI presents both an imperative and an opportunity. The next chapter of AI will be defined by those who harness its potential responsibly while balancing technological progress with real-world impact. Resources Sudhir Pai: Executive Vice President and Chief Technology & Innovation Officer, Global Financial Services, Capgemini Professor Aleks Subic: Vice-Chancellor and Chief Executive, Aston University, Birmingham, UK Alexeis Garcia Perez: Professor of Digital Business & Society, Aston University, Birmingham, UK Gareth Wilson: Executive Vice President | Global Banking Industry Lead, Capgemini 1 https://www.datacenterdynamics.com/en/news/researchers-claim-they-can-cut-ai-training-energy-demands-by-75/?itm_source=Bibblio&itm_campaign=Bibblio-related&itm_medium=Bibblio-article-related
Tariffs and Trade Series - The Potential Impacts of Tariffs and Global Trade Shifts
This is the first installment in a series examining the multifaceted impacts of tariff and trade policies. By delving into the nuances of these policies, we aim to provide valuable insights and perspectives that will inform strategic business decision-making and foster resilience in an increasingly volatile global market. Future papers in this series will explore the specific implications for key sectors such as agriculture, energy, and construction, offering targeted analysis and recommendations to help businesses navigate and thrive amidst evolving trade landscapes. The global trade landscape is experiencing rapid shifts driven by escalating tariffs, geopolitical realignments, and supply chain disruptions. In North America, businesses must navigate changing US trade policies, evolving trade agreements such as the United States-Mexico-Canada Agreement (USMCA), and the broader implications of international trade tensions. These developments may have significant economic implications which impact supply chains, regulatory compliance, financial strategies, and heighten geopolitical risk. Trade policies across the world are being redefined, with tariffs increasingly used as economic and political tools. The US, China, and the European Union are at the center of these shifts, reshaping global supply chains and trade routes. Businesses must reassess their sourcing strategies, financial models, and regulatory compliance efforts in response to these evolving dynamics. In North America, the US has intensified its use of tariffs, impacting trade with Canada, Mexico, and numerous global partners. While these policies aim to boost domestic industries, they have introduced supply chain challenges and regulatory complexities. As a result, companies must proactively adapt to maintain operational efficiency and financial stability. This article examines the challenges and opportunities that may arise from these trade shifts and provides insights for businesses to mitigate risks and maintain competitiveness. At J.S. Held, we help businesses navigate these challenges by providing insights into regulatory changes, trade risks, and strategic adaptations to ensure long-term resilience. "With the sweeping April 2 tariff announcement, U.S. trade policy has entered a new phase. One where national security, economic leverage, and regulatory unpredictability intersect. Businesses are now navigating not just targeted tariffs, but a universal cost layer that may touch nearly every sector. The urgency to adapt through exemption strategies, supply chain restructuring, and trade compliance has never been greater." The full report is accessible below, and is a must read for anyone covering the impacts of the tariffs announced by President Trump on April 02, 2025. Looking to know more or connect with Andrea Korney? Simply click on the expert's icon now to arrange an interview today. For any other media inquiries - contact : Kristi L. Stathis, J.S. Held +1 786 833 4864 Kristi.Stathis@JSHeld.com
The Lost Girls of Autism is published on 3 April 2025, coinciding with Autism Awareness Month in April In the book, Professor Rippon explores the ‘male’ history of autism, and why autism in women has been misunderstood and ignored Professor Rippon will give a free public lecture on the book at Aston University on 6 May 2025. Gina Rippon, professor emeritus of cognitive neuroimaging at Aston University Institute of Health and Neurodevelopment (IHN), has written a new book, entitled The Lost Girls of Autism. The book will be released on 3 April 2025, coinciding with Autism Acceptance Month in April. It has the subtitle ‘How Science Failed Autistic Women and the New Research that’s Changing the Story’. Historically, doctors believed that autism was a male condition, and simply did not look for it in girls and women. This has meant that autistic girls visiting a doctor have been misdiagnosed with anxiety, depression or personality disorders, or are missed altogether. Many women only discover they have the condition when they are much older, missing decades of support. In more recent years, it has become apparent that girls and women with autism have different traits and behaviours to boys and men, and are more likely to hide autistic traits to fit in – known as camouflaging. In The Lost Girls of Autism, Professor Rippon explores the emerging science of female autism, and examines why it has been systematically ignored and misunderstood for so long. Professor Rippon will give a free public lecture about her book on Tuesday 6 May 2025 at 18:00 BST at Aston Business School. Visit https://www.eventbrite.co.uk/e/the-lost-girls-of-autism-an-audience-with-author-gina-rippon-tickets-1304020734119 for more information and tickets. Copies of the book will be on sale at the event. Professor Rippon said: “This book reveals how a ‘male spotlight’ problem has biased many aspects of the autism story, from what autism is, to how we recognise it, and even how brain imagers like me search for answers. It shows how and why autistic women have been unrecognised, overlooked and unsupported. It shines a new light on how the story is changing and how we are now beginning to recognise the full spectrum of the autistic experience. It is for anyone with an interest in autism in all its presentations.”
Off-channel communications (OCC) occur when employees use unapproved and inadequately protected devices – such as personal cellphones – or applications to communicate with co-workers, counterparties and / or clients. Many financial services firms are required to maintain copies of all communications regarding their business, supervise the same, and produce them in response to regulatory requests. Firms cannot meet those compliance obligations when employees resort to unauthorized OCC for business-related matters. In charging 15 broker-dealers and one affiliated investment advisor in September 2022 with record-keeping violations, the SEC noted that its investigation uncovered employees at all levels of these firms who routinely used text messaging apps on their personal devices to discuss business matters between January 2018 and September 2021 [1]. The firms settled the charges and agreed to pay penalties totaling more than $1.1 billion. Just as important, the firms also agreed to engage independent compliance consultants to ensure the use of OCC meets regulatory standards as part of the settlements. In a related move [2], the Commodity Futures Trading Commission (CFTC) ordered 11 financial institutions to pay more than $710 million for recordkeeping and supervision failures for widespread use of unapproved communication methods such as personal texts, WhatsApp, and Signal. Additionally, the Financial Industry Regulatory Authority (FINRA) has also taken action when it comes to OCC. Antonio Rega, digital forensics, data governance, privacy, security, emerging technology, and discovery expert with J.S. Held, observes, “While the current administration has loosened certain regulatory enforcement near-term, we continue to observe requests from clients in supporting management of “off-channel” communications, with a particular focus on 3rd party chat messaging platforms on mobile devices, such as Whatsapp. These inquiries include supporting corporate stakeholders with internal auditing of their organizational platforms, policies and procedures.” By implementing effective processes and utilizing software and outside experts to monitor and detect OCC, broker-dealers, investment advisers, and other financial institutions can reduce the risk of regulatory enforcement and penalties and ensure that they remain in compliance with regulations. Steve Strombelline, regulatory and enterprise risk management expert with J.S. Held adds, “Although concerns typically impact broker-dealers, firms outside of financial sectors are looking closely at their messaging processes as well, which is advisable." In addition to guaranteeing that these communications are properly documented and retained, the regulations are set up to prevent the use of OCC to manipulate securities transactions or commit fraud and to ensure that it is not used to violate any other securities laws. Firms’ supervisory procedures must be reasonably designed to detect for OCC when they monitor for such activity. The following article discusses the risks that OCC pose for financial services firms, especially as the SEC, FINRA, and the CFTC have made it clear that they are now targeting firms throughout the industry about their OCC to see if they are recording and preserving business information according to regulations. The piece also explains how firms, including broker-dealers of all sizes, should manage their OCC to ensure that they and their employees comply with federal securities laws and regulations. Finally, the authors address the complexity related to the collection of OCC in response to regulatory enforcement investigative requests. As the fines and settlements between those firms and the SEC exemplify, financial services firms of all sizes need to take this regulatory focus seriously and take the proactive step of engaging an independent third-party with expertise and experience in both digital forensics and compliance issues. To read the full article and learn more about the risk of off-channel communications and how companies should manage their OCC to remain compliant, click on the button below: To connect with Antonio Rega simply click on his icon now. To arrange a conversation with Steve Strombelline or any other media inquiries - contact : Kristi L. Stathis, J.S. Held +1 786 833 4864 Kristi.Stathis@JSHeld.com References [1] https://www.sec.gov/news/press-release/2022-174 [2] https://www.cftc.gov/PressRoom/PressReleases/8599-22
Data Analysis: Commercial Real Estate Troubles Threaten U.S. Banks
The U.S. banking system is on a precipice as exposures to commercial real estate grow and banks grapple with high interest rates, according to an analysis by a finance professor at Florida Atlantic University. Of the 158 largest banks, 59 in the country are facing exposures to commercial real estate greater than 300% of their total equity capital, as reported in the fourth quarter 2024 regulatory data and shown by the U.S. Banks’ Exposure to Risk from Commercial Real Estate screener. “Regulators have been putting pressure on banks to reduce their exposures. However, it’s a very difficult thing to do without sending a signal of weakness to the market and creating more problems,” said Rebel A. Cole, Ph.D., Lynn Eminent Scholar Chaired Professor of Finance in FAU’s College of Business. “To get around this, many banks are ‘extending and pretending’ by restructuring their loans.” The U.S. Banks’ Exposure to Risk from Real Estate screener, a part of the Banking Initiative at Florida Atlantic University, measures the risk to exposure from commercial real estate at the 158 largest banks in the country with more than $10 billion in total assets. Using publicly available data released quarterly from the Federal Financial Institutions Examination Council (FFIEC) Central Data Repository, Cole calculates each bank’s total CRE exposure as a percentage of the bank’s total equity. Bank regulators view any ratio over 300% as excess exposure to CRE, which puts the bank at greater risk of failure. Troubled debt restructuring for commercial construction, multifamily, owner-occupied and owner-non-occupied mortgages tripled since 2023. They reached $18 billion in the fourth quarter of 2024, up from $6 billion in Q2 2023, according to data from the FFIEC. While non-owner occupied nonfarm, non-residential accounts for more than half of these amounts, there is also serious deterioration in multifamily and commercial construction loans. “Banks choose to extend these loans, hoping interest rates might drop. While the Fed did cut rates,” Cole said. “If a loan is maturing from five years ago in today’s rate environment, rather than refinance it with today’s terms, they will restructure the loan under the same terms from five years ago for another year. This all depends on interest rates falling, which is not likely to happen this year.” Among banks of any size, 1,788 have total CRE exposures greater than 300%, up from 1,697 in Q3; 1,077 have exposures greater than 400%, up from 971 in Q3; 504 have exposures greater than 500%, up from 426 in Q3; 216 have exposures greater than 600%, up from 166 in Q3. For comparison, the aggregate industry total CRE exposure is 132% of the total, unchanged from the third quarter of 2024. Looking to know more? We can help. Rebel Cole is available to speak with media about commercial real estate and the potential threats to the American banking system, Simply click on his icon now to arrange an interview today.
Defining Oligarchy: The Fusion of Wealth and Power in American Democracy
Oligarchy is being thrown around a lot these days. But what does the term mean? Is America an oligarchy? And how does oligarchy help explain American democracy today? Political rhetoric scholar Luke Winslow, Ph.D., associate professor of communication at Baylor University and author of “Oligarchy in America: Power, Justice, and the Rule of the Few,” has traced the evolution of oligarchy in the United States to shed light on how modern oligarchy is reshaping America through the increasing fusion of economic power and political influence. Winslow’s research focuses on how the influence of oligarchy has impacted American political rhetoric, as well as how it is showing up in modern politics and political communications. Defining Oligarchy Oligarchy is a term that most people associate with other countries, but it “is not something that just happens in Russia. It's something that happens everywhere, and it always has,” Winslow said. In the simplest of terms, oligarchy attempts to explain the convergence of economic and political power. Winslow offered four key distinctions on oligarchy: Oligarchy is exclusive. It represents a form of governance focused on preserving the political and economic influence of the wealthy by securing the approval of the rest of the population. “It assumes not everyone is qualified to deliberate, participate and legislate,” Winslow said. When it comes to oligarchy, there is a belief that extreme wealth is equated to intellectual fitness across all domains, including governance. Wealth vs. income. It is important to distinguish between wealth and income. Income covers daily expenses, whereas wealth is more easily used to exert political power. “What truly sets an oligarch apart is the political power their wealth can command,” Winslow said. Understated and subtle. Modern oligarchy operates through persuasion by “enticing rather than commanding citizens and maintaining what seems like an absence from political authority,” Winslow said. It is in this absence that oligarchs can influence indirect political actions, especially since they are not (typically) elected officials and cannot be removed from office. Legal Immunity. Oligarchs have no fear of legal consequences because oligarchy itself is not against the law, Winslow said. The First Amendment protects the right “to petition the Government for a redress of grievances,” legitimizing lobbying and campaign donations. A robust system of campaign contributions and political lobbying – both of which are perfectly legal – can shape media narratives and put pressure on state and local governments. While wealth and politics have always coexisted, oligarchy is about how these forces merge to create a system where the ultra-rich exert undue influence over democratic institutions, Winslow said. “This convergence has long existed in history but is now unfolding in the U.S. more visibly – and perhaps more accepted – than ever before,” he said. Communication of Oligarchy Winslow’s research shows that American society has come to view billionaires as transcendent figures – individuals whose success in business qualifies them to lead in politics – a mindset that is not new. The Gilded Age of the late 19th century saw figures like Andrew Carnegie and John D. Rockefeller wield enormous economic and political power, shaping legislation to favor their interests. Winslow’s research traces this historical precedent, suggesting that today’s tech titans are the latest iteration of a long-standing trend. Perhaps the most intriguing question Winslow raises is not just how oligarchy and its fusion of wealth and governance has taken root, but why the American public has been so willing to accept it as natural – perhaps even beneficial. “The arguments being made in public discourse encourage us to go along with it,” he said. “We’re being told, implicitly, that this is just how things work now.” Yet, these practices also reveal how the government serves the narrow interests of the ultra-wealthy, diverting resources from productive economic opportunities for the majority toward political wins that benefit a small, affluent minority, Winslow said. “What's so interesting about oligarchy now is that the cover has been ripped off, the veil has been thrown open and we’re not even hiding the fact that money gets you more influence,” he said. Ultimately, Winslow hopes his work will get people to be curious as to why Americans are now accepting oligarchy in the U.S. “The ways that the extremely wealthy are yielded political power is seemingly acceptable now, and that is a question that we all should be asking,” Winslow said. Looking to know more? Then let us help. To connect with Luke Winslow, simply contact Shelby Cefaratti-Bertin, M.A, Assistant Director of Media and Public Relations now to arrange an interview today.
In an age where social media promises to connect us, a new Baylor University study reveals a sobering paradox – the more time we spend interacting online, the lonelier we may feel. Researchers James A. Roberts, Ph.D., The Ben H. Williams Professor of Marketing in Baylor's Hankamer School of Business, and co-authors Philip Young, Ph.D., and Meredith David, Ph.D., analyzed a study that followed nearly 7,000 Dutch adults for nine years to understand how our digital habits shape well-being. Published in the journal Personality and Social Psychology Bulletin, the Baylor study – The Epidemic of Loneliness: A Nine-Year Longitudinal Study of the Impact of Passive and Active Social Media Use on Loneliness – investigated how social media use impacts loneliness over time. This eye-opening research suggests that the very platforms designed to bring people together contribute to an "epidemic of loneliness." The findings showed that both passive and active social media use were associated with increased feelings of loneliness over time. While passive social media use – like browsing without interaction – predictably led to heightened loneliness, active use – which involved posting and engaging with others – also was linked to increased feelings of loneliness. These results suggest that the quality of digital interactions may not fulfill the social needs that are met in face-to-face communication. “This research underscores the complexity of social media’s impact on mental health,” Roberts said. “While social media offers unprecedented access to online communities, it appears that extensive use – whether active or passive – does not alleviate feelings of loneliness and may, in fact, intensify them.” The study also found a two-way relationship between loneliness and social media use. "It appears that a continuous feedback loop exists between the two,” Roberts said. “Lonely people turn to social media to address their feelings, but it is possible that such social media use merely fans the flames of loneliness." The findings emphasize an urgent need for further research into the effects of digital interaction, underlining the essential role of in-person connections in supporting well-being. This study also adds a valuable perspective to the conversation on how digital habits influence mental health, offering insights to shape future mental health initiatives, policies and guidelines for healthier social media use. Are you covering social media and its impact on people? Then let us help. These experts are available to speak with media, simply click or contact Shelby Cefaratti-Bertin, M.A, Assistant Director of Media and Public Relations now to arrange an interview today.
