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NASA’s Curiosity Captures Dawn Breaking on Wind-Carved Cliffs
NASA’s Curiosity Mars rover captured this panorama of sunrise illuminating distant, wind-carved features called yardangs on Aug. 11, 2026, the 4,982nd Martian
How to Intertwine the Science of Teaching With the Art of It (Opinion)
The best teachers rely on many strategies to meet the challenges that arise in the classroom.
Emma Navarro on the true cost of her rapid rise through the tennis ranks
As her results soared, the American tennis ace says her health was moving in the opposite direction. She reflects on under-fueling, pushing herself to the limit and learning to put health first.
“DWTS” contestants ‘gasped’ backstage when Ciara Miller and Brandon Armstrong were eliminated
Some of the remaining stars react to the surprise goodbye while speaking with EW.
New local effort begins to help small businesses grow
A new business has opened at Edison Mall in Fort Myers to help smaller enterprises grow. It's called the Business Growth Gallery.
The Politics of Sustainability Have Changed. The Business Case Hasn’t.
Corporate sustainability may have fallen out of favor in some executive and political circles, but the business case remains strong: Companies continue to invest because sustainability initiatives can deliver measurable gains in profitability, resilience, and growth. Drawing on research from NYU Stern’s Center for Sustainable Business and other recent studies, the article shows how four areas in particular—circularity, decarbonization, sustainable sourcing, and employee well-being—can lower costs, reduce risk, strengthen supply chains, improve productivity, and create new revenue opportunities. Examples from industries including automotive, healthcare, apparel, energy, consumer goods, and manufacturing illustrate how companies are capturing value through resource reuse, energy efficiency, resilient sourcing strategies, and investments in frontline workers. While the language of ESG may be losing momentum, the underlying business fundamentals have not changed: organizations that systematically address material environmental and social challenges, quantify the financial impact of their efforts, and embed sustainability into core decision-making are better positioned to improve operational performance and create long-term enterprise value.
The Politics of Sustainability Have Changed. The Business Case Hasn’t.
Corporate sustainability may have fallen out of favor in some executive and political circles, but the business case remains strong: Companies continue to invest because sustainability initiatives can deliver measurable gains in profitability, resilience, and growth. Drawing on research from NYU Stern’s Center for Sustainable Business and other recent studies, the article shows how four areas in particular—circularity, decarbonization, sustainable sourcing, and employee well-being—can lower costs, reduce risk, strengthen supply chains, improve productivity, and create new revenue opportunities. Examples from industries including automotive, healthcare, apparel, energy, consumer goods, and manufacturing illustrate how companies are capturing value through resource reuse, energy efficiency, resilient sourcing strategies, and investments in frontline workers. While the language of ESG may be losing momentum, the underlying business fundamentals have not changed: organizations that systematically address material environmental and social challenges, quantify the financial impact of their efforts, and embed sustainability into core decision-making are better positioned to improve operational performance and create long-term enterprise value.
To the top of the tower
From the top floor of the 515 Walnut Tower you can see the Des Moines metro roll out in front of you, the views cutting through even the darkest and gloomiest fall mornings. The Business Record toured the 33-story high-rise residential building on Wednesday, Sept. 30, riding the yellow freight elevator up the side of…
RISE brings 'Dracula' to the Assembly Theatre
WOONSOCKET – Rose Linnell recalls a production of “Dracula” 20 years or so ago when she was a student at New Mexico State University. “It was different,” said the Bellingham,
Teladoc Health unveils new AI capabilities within Solo platform for hospitals
Teladoc Health announced Wednesday the launch of two new artificial intelligence capabilities within its enterprise smart care platform Solo. | The two new tools aim to help health systems surface timely patient insights into their care environments while reducing technology fragmentation, executives say.
metaphactory by Digital Science Now Available on SAP Store
By integrating with SAP HANA Cloud Knowledge Graph Engine, metaphactory from Digital Science delivers a seamless, AI-ready Knowledge Graph experience to customers.London, United Kingdom--(Newsfile Corp. - October 7, 2026) - Digital Science today announced that its metaphactory is now available on SAP® Store, the online marketplace for SAP and partner offerings. metaphactory integrates with SAP HANA® Cloud Knowledge Graph Engine and delivers a faster route from enterprise data to knowledge graphs
Ohio reading scores rise. Is the science of reading working?
This story was originally published by The 74. Ohio students’ reading scores rose slightly last school year, the first the science of reading was mandated, but it’s too soon to say whether the phonics-based lessons are making a difference. About 63 percent of Ohio third graders — the grade educators have long considered the most […]
Why Capital Markets Matter for National Development
The role of capital markets in development is not new. Prosperous societies developed mechanisms that connected savings with enterprise.
IMF chief warns energy shock, public debt and AI boom threaten global growth
Kristalina Georgieva’s warning comes as Brent crude rises above $101 a barrel
Market Logic's DeepSights MCP scales market insights reach and business impact through enterprise-wide AI workflows
/PRNewswire/ -- Market Logic Software, the company behind DeepSights. the leading AI market intelligence platform, today announced the general availability of...
Wrexham's Kop: The project matching the club's rise
Wrexham's new Kop stand a signal of their ambition to keep climbing from the Championship to the Premier League.
Republic Business Credit Provides $2MM Factoring Facility to Diesel Delivery Company
Republic Business Credit (RBC) formed a partnership with a diesel fuel supply and delivery enterprise, providing a $2 million factoring facility to accelerate
Climate change and farming gave rise to ‘genetically distinct’ swan goose: study
New population of the migratory waterbird has emerged in the Chinese capital over the past century, according to researchers.
Oil prices rise as storms and air strikes threaten supply
Oil prices rose on Wednesday as the market weighed supply constraints from a storm heading for US oil-producing regions and attacks by Yemen's Iran-backed Houthis on Saudi Arabia against increased supplies of Middle East crude.
Nevada's health insurance rates projected to rise 17%
(The Center Square) - Health insurance rates through Nevada’s public Health Link program are set to rise 17% in 2027. The increase comes after a state Division of Insurance's reluctant approval of a r...
Red Bulls visit clubs in the region
Karim Konate, Frans Krätzig & Co surprise youth teamsWe are always where football is lived and breathed - even over the international break! As part of our FC Red Bull Salzburg at Your Club series, o...
Health officials urge flu shots as Brown County sees early rise in hospitalizations
Officials are urging people to get a flu shot as respiratory virus season begins.
WealthPath managed assets rise to new level
The top-ranked locally-owned independent wealth management firms in Northwest Arkansas have exceeded $2 billion in managed assets, while another surpassed $1 billion in managed assets for the first time, according...
Why Citizen Science Is On The Rise
As scientific and environmental budgets across the world shrink, citizen science could be a key way to bridge the current gaps in institutional data across ecosystems.
Tickets available Holiday Home Tour
Support senior nutrition in Yolo County beginning by buying tickets to Friends of Meals on Wheels' 24th annual Dickens in the Valley Holiday Home Tour, taking place Saturday, Dec. 5,
Anne Hathaway Surprises D23’s Entertainment Showcase By Giving An Update On Princess Diaries 3
Remembering Kay Fredericks
Kay Fredericks created Scratch ’n’ Sniff stickers, founded Trend Enterprises, and spent decades as a board member for many organizations.
Carson Daly returning for huge 'TRL' reunion special with surprises in store — and it’s not for MTV
Carson Daly returning for huge 'TRL' reunion special with surprises in store — and it’s not for MTV
How Thomas Tuchel 'surprised' Jordan Pickford after breaking England record
Jordan Pickford playing for England and Thomas Tuchel looking concentrated
NASA’s SunRISE Mission Targets No Earlier Than Mid-2027 Launch
NASA’s SunRISE (Sun Radio Interferometer Space Experiment) mission will launch no earlier than mid-2027. The heliophysics mission will hitch a ride on a
Private owner closes downtown East Lansing parking lot, upsetting businesses
Bob Metzger followed through on threats to close a large portion of a downtown East Lansing parking lot because of a thwarted high-rise development.
Comptroller’s report shows that as mobile sports gambling rises, so do concerns
NYS Deputy Comptroller Maria Doulis explains how the popularity of mobile sports gambling is growing with concerns about problem gambling.
Indian jeweller Titan reports 25% growth in quarterly consumer business sales
India's Titan on Tuesday reported a 25% rise in sales in its consumer business in the second quarter, driven by demand for jewellery, watches and eyewear.
Alito says Supreme Court can’t stem rise of emergency appeals, 'not pleased' with Trump's rhetoric
The justice told The Associated Press in a rare interview that the rhetoric about the court from Trump and his administration doesn't sit well with him.
Pence Gallery: Moving in circles at the Pence
October at the Pence brings three new art exhibits, following our hugely successful Art Auction event.
Dani Carvajal set to remain in Madrid
Dani Carvajal is still a free agent and could soon make a surprise decision, according to the Spanish press. The right-back is expected to stay in the capital, although not at the club where he made ...
CD&R and McKesson Corporation Sign Agreement to Acquire Option Care Health
NEW YORK & IRVING, Texas & BANNOCKBURN, Ill., October 06, 2026--CD&R, McKesson Corporation (NYSE: MCK) ("McKesson"), and Option Care Health, Inc. (Nasdaq: OPCH) ("Option Care Health") announced today that they have entered into a definitive agreement, under which CD&R and McKesson will acquire Option Care Health, an independent provider of home and alternate site infusion services, for $32.05 per share, reflecting a total enterprise value of approximately $5.8 billion. At the closing of the tran
New Study in Health Affairs Documents Rapid Rise in Healthcare Spending in Massachusetts After COVID-19 Pandemic
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Austin Simmons Headlines Missouri's Biggest Offensive Threats to Texas A&M
Austin Simmons leads a Missouri offense that has emerged as one of the SEC's biggest early surprises, but Texas A&M will have to account for three other playmakers as well.
Connecticut fined surplus lines brokers $856K in fiscal 2026
The CID's FY2026 results show a 51% rise in surplus lines penalties and 25 producer license revocations
Keeping up with the Bolsonaros: Flávio’s surprise first-round election win heralds rise of a political dynasty
Four members of disgraced ex-president Jair Bolsonaro’s family have been elected to office, most notably his wife and son Flávio, who won the first round of voting to be Brazil’s new president
Why So Many Social Science Claims Are False
One of the most urgent questions facing society today is the potential impact of AI on education and labor markets. So it’s no surprise that two scientists attempted to provide
Musical residencies: Business is booming, but who pays the most for pop stars playing in Europe?
Musical residencies are on the rise in Europe for major pop stars, but costs are increasingly being heaped upon audiences with travel, accommodation and extras pushing up ticket prices, according to S...
Elon Musk regains trillionaire status with SpaceX stock rise
Elon Musk is once again a trillionaire, a title he initially held in June after SpaceX's blockbuster IPO.
What control! Zidane oozes class during France match 🎥
Zinedine Zidane has reasons to make fans optimistic about the future of the French national team.And on Monday (5), he gave fans another reason to rise from their seats at the Stade de France.During t...
New Editorial Calls for Investing in Hospital Nursing Workforce to Address Health Impacts of Extreme Heat
Hospitals should make nurse staffing and supportive nurse work environments a core part of extreme heat emergency preparedness, according to a new editorial from Penn Nursing’s Center for Health Outcomes and Policy Research (CHOPR), as record-breaking temperatures and heat-related emergency department visits continue to rise across the United States. The editorial appears in Public Health Nursing.
Carson Daly returning for huge “TRL” reunion special with surprises in store — and it’s not for MTV (exclusive)
EW has exclusively learned that Daly will return to reunite with major “TRL” personalities and music stars in the original Times Square studio.
Carson Daly returning for ‘TRL’ reunion special — but it’s not on MTV (exclusive)
Carson Daly will return for a ‘TRL’ reunion special recorded at the MTV Times Square studio where ‘Total Request Live’ used to air. Major surprises are in store for the Roku special.
The Hunt for Consciousness Is Moving Deeper Into the Brain
A research team is using ultrasound to map the deep-brain circuits that may give rise to conscious experience.
Chargers' Omarion Hampton numbers may shock you after four weeks
These Chargers running back Omarion Hampton's stats may surprise you over the first four weeks of the season.
Museum of Life and Science seeks additional $2M from Durham County as costs rise
The Museum of Life and Science is asking Durham County for an additional $2 million as rising construction costs have left the museum facing a $3.5 million funding gap.
Mass. business confidence rises in September but remains pessimistic
Massachusetts business confidence rose modestly in September after a sharp decline in August.
Enterprise Veteran to Mentor Oregon Consulting Group
Oregon Executive MBA alumnus Todd Grigsby, MBA ’00, has joined the University of Oregon as Professor of Practice and faculty director of the student-run Oregon Consulting Group (OCG) at the Lundquist College of Business.
Rural and Urban Health Center Patients and Financing
This brief reports on rural and urban health center patients and financing in 2025 using national data from the Uniform Data System (UDS) and examines potential impacts of recent federal policy changes.
Pokémon GO Halloween 2026: Part One
Pokémon GO’s Halloween 2026 Part One event runs from October 27 at 10:00 a.m. to November 1 at 10:00 a.m. local time, bringing three new costume Pokémon: Pikachu wearing a hat and capelet, Zubat wearing a top hat, and Sinistea wearing a bow! Expect spooky wild encounters, costume raids, and trick-or-treat surprises that can reward […]
Dennis Hastert, speaker disgraced by sex abuse, dies at 84
Dennis Hastert, whose rise to U.S. House speaker in 1999 was as unexpected as the criminal conviction that sullied his reputation and sent him to prison years later, has died.
Mary McNamara: As David Ellison names his new empire Skydance, the message is clear: He owns Hollywood
LOS ANGELES — What a surprise. David Ellison has decided to name the Frankenstudio media company created by the merger of Paramount Skydance and Warner Bros. Discovery simply Skydance. And
Silly Dillys Wins $30,000 at RISE Up Harlingen Business Pitch Competition
Silly Dillys captured first place and a $30,000 award at the third annual RISE Up Harlingen Business Pitch Competition, leading a group of local entrepreneurs receiving financial support to develop and expand their businesses.
Dennis Hastert, House speaker sullied by abuse case, dies at 84
Dennis Hastert, whose rise to US House speaker in 1996 was as unexpected as the criminal conviction that sullied his reputation and sent him to prison years later, has died. He was 84.
Eurozone business activity grows at fastest pace in 41 months in September
Private sector growth accelerates as demand improves, while input costs, selling prices rise at fastest rates since May | Anadolu
College Football biggest risers & fallers after Week 5
Who are the biggest risers and fallers this week in college football?
Fiserv Small Business Index Shows Small Business Sales Rise in September as Back-to-School Lifts Retail
Index rises to 146 as sales increase +2.2% year over year and +0.7% month over month MILWAUKEE, Oct. 05, 2026 (GLOBE NEWSWIRE) -- Fiserv, Inc. (NASDAQ: FISV), a leading global provider of payments and financial services technology, today published the Fiserv Small Business Index for September 2026,
Two More Games Revealed For Xbox Game Pass In 2026, Including A Surprise Shadow Drop
It's coming home
Integral Ad Science to Provide Brand Safety and Suitability Measurement in ChatGPT Ads
NEW YORK, October 05, 2026--As artificial intelligence rapidly reshapes digital advertising, marketers face a critical new challenge: ensuring brand safety and suitability within dynamic, generative AI-native environments. Without independent verification, advertising in conversational channels risks creating a blind spot for enterprise brands seeking reliable media quality standards.
AtkinsRéalis on human-centric themed entertainment
AtkinsRéalis reveals how engineering, storytelling and strategy combine to create meaningful, lasting experiences in a fast-evolving market
Minnesota health insurance premiums set to soar 17% next year
Minnesota health insurance rates will rise 17% in 2027 as hospital consolidation drives up medical costs.
Gambling Is Sending More People to the ER
Recent research suggests that the rise of gambling is leading to a surge of mental-health problems.
Rethinking discovery: how powerful screening tools are redefining the search for new medicines
In medicine discovery, identifying the right biological target has always been a critical and complex step. Today, the rise of powerful screening tools is fundamentally reshaping this process, creating a step-change in how we move from scientific hypotheses to transformative medicines. Advances in high-throughput screening, genomics and AI-driven analytics are enabling scientists to interrogate disease biology at unprecedented scale, bringing forward opportunities that were previously beyond reach.
Processed meat may be causing rise in bowel cancer
Food safety expert says chemicals in bacon and ham giving them their pink colour are ‘one of the main suspects’
Search for life on Mars takes major leap forward. Scientists detect longest organic molecules on planet to date | BBC Sky at Night Magazine
Scientists make discovery analysing rock pulverised for study by Curiosity rover. Largest organic compounds found on the Red Planet to date.
Are Babies Conscious?
By pinpointing when it begins in young humans, scientists hope to better understand what consciousness is, and how it arises, in all of us.
As flu season approaches, here’s why you should you get your vaccine now
While flu activity is still relatively low, officials say now is the time to get vaccinated before cases begin to rise later this year.
Yale New Haven Hospital designed new center to calm mental health crises
Amid rising pediatric mental health emergencies, Yale New Haven Hospital opened the state’s only hospital-based center for children experiencing mental health crises this July. The center prides itself on therapeutic services and patient autonomy.
Golden Knights hang on to continue dominance over Canucks
VANCOUVER—It should be no surprise that the Vegas Golden Knights have displayed dominance over some of their Pacific Division foes, due to how long they have remained at the top.
Euro drops to 17-month low as political and fiscal risks rise
Euro hits 17-month low as French politics and fiscal worries shake markets.
Trump fights on home turf as Democratic midterm hopes rise
Republicans are defending territory they never expected to be at risk four weeks before Election Day, as President Donald Trump implores voters not to desert his party with the promise of more cash giveaways.
WHO joins Pre-COP31 to advance climate action that delivers for people’s health
The World Health Organization (WHO) is joining Pacific leaders, governments and partners at Pre-COP31 in Fiji from 5 to 8 October to advance health priorities in climate action and strengthen the Pacific voice ahead of the 31st Conference of the Parties (COP31) to the United Nations Framework Convention on Climate Change (UNFCCC).COP31, to be held next month in Antalya, Türkiye, marks an important step for global climate and health action. Health is one of the 10 priority themes of the COP31 Action Agenda, “Dynamic and Resilient Health Systems”, and a dedicated Health Day will take place on 9 November, the first day of COP31. The inclusion of health reflects growing global recognition that climate action and health are closely connected. The climate crisis is affecting population health globally. Across the WHO Western Pacific Region, which includes Pacific island countries and areas, the consequences of climate change include extreme heat, cyclones, floods, rising sea levels, food and water insecurity, infectious diseases and disruptions to essential health services. The Pacific in particular faces additional challenges. A recent review of 76 hospitals in 14 Pacific island countries found that 62% of health facilities are located within 500 metres of the sea or a river, leaving them particularly exposed to flooding, storm surges and sea-level rise.Bringing Pacific priorities to the global climate agendaThe Pacific Pre-COP31 provides an important opportunity for Pacific countries and partners to consolidate regional priorities and bring the experiences and leadership of Pacific communities into global climate discussions.Pacific countries have been advancing practical approaches to protect health in a changing climate, including strengthening climate-resilient health systems, improving preparedness for extreme weather events, building resilient health infrastructure and mobilizing climate finance for health. “This Pre-COP is an important moment for the Pacific, bringing global climate discussions to a region that has long been at the forefront of the climate crisis. It provides an opportunity for Pacific countries and areas to set their priorities, experiences and leadership on the global stage, and to ensure that the realities of Pacific communities are genuinely reflected in the decisions made on climate action,” said Dr Saia Ma’u Piukala, WHO Regional Director for the Western Pacific.Throughout this week, WHO will co-convene and participate in high-level discussions and events focused on climate and health, climate resilience, adaptation, financing and implementation. “Climate finance is essential for resilient and healthy Pacific communities,” emphasized Dr Mark Jacobs, WHO Representative to the South Pacific and Director of Pacific Technical Support. “We must ensure that financing reaches the people, communities and essential services most exposed to climate risks, supporting locally defined priorities and investments.”WHO will work with partners to strengthen the integration of health considerations across climate policies and investments, including national climate plans and resilience initiatives.Health as a driver of climate actionAmid the risks to health and pressures on health systems, well-strategized and implemented climate action can deliver significant health benefits. Investments in clean energy, sustainable transport, resilient infrastructure, food systems and nature-based solutions have proven to reduce health risks while contributing to climate mitigation and adaptation.“Climate action is truly an investment in health. Cleaner energy, healthier food systems and climate-resilient health services can protect lives while building stronger communities. We now need to turn these opportunities into action and make health a core part of climate investments,” said Dr Sandro Demaio, Director and Head of Office, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region. “These benefits demonstrate that climate action is not only about reducing future risks. It is also an opportunity to improve lives today while building healthier, safer and more resilient societies.”At COP31 next month, WHO will also support the Health Pavilion, which will bring together the global health community and partners to advance health and equity within climate negotiations. With COP31 poised to move health higher on the global climate agenda, WHO will continue working with countries and partners across the Western Pacific Region and globally to strengthen climate-resilient and low-carbon health systems, and ensure that climate action protects and improves people’s health.____________________Media contactsElizabeth Bennett, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region, elizabeth.bennett@who.intJulia Dongwhan Shin, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region, dong.shin@who.intWHO Western Pacific Communications, wprocom@who.int
Google froze its open source bug bounty program due to a 'significant rise' in AI submissions
AI slop seems to be overwhelming bug bounty programs.
NH state retirees face 85% health premium hike
New Hampshire retirees in the state health plan will see premiums rise 85% in January under a one-year Anthem extension, while the state prepares to seek compet...
Dark Sheik Walked Out On GCW Over Drake Wuertz - Fightful | WWE News, AEW News, Pro Wrestling Backstage News
At GCW Homecoming in August, Drake Wuertz made a surprise appearance, helping Joseph Sawyer win the GCW Title.
Florida appears set to tumble while Bama hopes to rise
A week after a huge promotion in the poll, Florida is bound to come down in the newest AP Top 25 after a lopsided loss. 25 Missouri on a Saturday while other ranked teams generally won in workmanlike fashion.
‘In the Grey’: An engaging guilty pleasure
Droll British humor fuels this improbable crime thriller
Jets fan confidence rises despite loss to Lions
The Jets might have lost in Week 3 to the Detroit Lions, but fans took real positives from the game. That statement is true if you believe our latest SB Nation Reacts poll. Fan confidence in the team fell to 48 percent a week ago in the aftermath of the Jets’ crushing Week 2 overtime […]
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
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