ResidentialBusiness

Uplift helps offset performance of domestic bank, for which French lender is launching a strategic planView the full article

Industry braces for tit-for-tat trade war that could spark wave of bankruptcies among parts makersView the full article

Search today sure ain’t what it used to be. On the one hand, you’ve got the escalating sense that Google’s once-reliable results are stuck in a downward spiral. It’s a perception we’ve been seeing take shape for some time now, even before Google Search started pushing accuracy-challenged AI answers into its search engine and steering people away from first-party sources. On the other hand, you’ve got AI-powered info engines ranging from ChatGPT and Perplexity to Google’s own Gemini chatbot now browsing the web for you and offering up immediate (if occasionally also inaccurate) answers. For the first time, that’s raising pressing questions about the long-term fate of the conventional search experience—all while Google and other providers struggle to keep junky AI-generated info from clouding their results. It’s a rare moment when something that’s long felt like an unshakable part of our lives suddenly seems vulnerable, and the way we seek out info online is open to reassessment. Amid all of that, Kagi—a company with a minuscule fraction of Google’s resources—sees an opportunity to convince people to stop turning to Google for search, quit leaning on inconsistent AI answers for important information, and start seeking out a smarter way to find what they need without all the cascading compromises. Kagi’s founder insists it isn’t a “Google killer”—and, quite critically, it was never meant to be. But two arenas’ worth of early adopters see it differently, including plenty of Redditors, Hacker News commenters, and even Apple oracle John Gruber, who recently declared Kagi “the best search engine in the world.” And the more you hear about this utopian vision for what the web could be, the easier it is to understand the enthusiasm. “red pill moment” Vladimir Prelovac started sensing a shift in the online search arena as far back as 2018, long before the name ChatGPT had entered the common vernacular or most people thought Google might be in any way vulnerable to a serious search competitor. Prelovac had just sold his former company, a WordPress management platform called ManageWP, to GoDaddy and was raring for a fresh challenge. While the exact price of the acquisition was never made public, Prelovac had enough cash in his coffers to bootstrap a new startup, without any outside funding, and he knew exactly what problem he wanted to pursue. “I had my red pill moment,” Prelovac says, referring to the scene in The Matrix when Keanu Reeves’s character takes a red pill, unplugs from the simulation he’s been living in, and sees the world as it actually exists for the first time. “I realized Google is basically insulting my intelligence, and the [Google Search] product wasn’t being built for me. It was pretty eye-opening.” (Kagi did eventually raise a small round of $670,000 in 2023 and then a second round of $1.9 million in 2024.) As Prelovac recounts the revelation, he increasingly saw signs that Google’s actual customers were the businesses paying to advertise on its search result pages—not the people looking to those same pages for information. He grew disillusioned with what he describes as a deteriorating experience and a lack of exceptional alternatives. So he decided to do something about it. “I thought it was ridiculous that we didn’t have a product that’s actually serving the users, not the advertisers,” he says. “I quickly realized the only way to [fix that] is to create a paid subscription-based service, because that’s the only business model that would align incentives.” Prelovac set out to prove his theory. Within about a year, he had an early prototype of a new service called Kagi—a Japanese word that rhymes with “froggy” and means key, suggesting the way Prelovac hoped to unlock a friendlier, more user-centric web model. Now, seven years later, Kagi boasts 38,000 paying subscribers, a figure that continues to grow, with rates running from $5 to $25 per month. (Most people should probably pick the middle-of-the-road $10 “Professional” plan, allows unlimited searches and access to some of the simpler AI features.) Those figures pale in comparison to the throngs of people who visit Google each day and the billions of dollars Google makes from its search product, of course. But in Prelovac’s mind, that’s precisely the point—and the key to Kagi’s future. Unlocking a smarter search journey The best way to describe Kagi is as a less cluttered, more capable, and more customizable version of what we’re all used to seeing from Google Search—only without the ads, the shopping results, and other assorted distractions. Kagi sports a refreshingly clutter-free and customizable interface. You also won’t find artificial intelligence “answers” forced in your face above regular web results, though you can get to Kagi’s own version of the chatbot concept if you like. (More on that and how it differs from the typical AI chatbot experience in a moment.) Primarily, Kagi is about taking you to the first-party web info related to whatever you’re seeking and making that experience as effective, premium-feeling, and pleasant as possible. It really is a refreshing change, too, once you get past the inevitable initial adjustment and the occasional muscle-memory-jarring moment—one that opens your eyes to the type of web experience that almost feels more aspirational than realistic in this day and age. And yet, here it is. “If the user is paying you as a search product company, then you’re incentivized to make search better and better,” Prelovac reasons. “Otherwise, they walk away with their wallet.” To that end, in addition to the lack of ads and sponsored elements within its results, Kagi empowers you to do things like block specific websites from your results, increase the weight of sites you like in results, and customize nearly everything about the interface—ranging from which widgets and types of results show up to all sorts of settings around the site’s appearance and behavior. Kagi continuously works to remind you that it’s your search experience, and you should be in control. It’s a lovely upgrade from the effort-requiring work-arounds we’ve all grown accustomed to pursuing for any manner of meaningful customization or unreliable-AI-answer avoiding in the standard search arena, and it’s something you really resent losing when you go back to Google or any other more conventional search service. You can customize practically everything about the way Kagi looks and functions. Kagi even allows you to create your own custom “lenses,” which are search filters that show you results only from specific sets of websites, making it easy to limit a search to something like academic sites, forums, or your own personal domains on demand and with virtually no ongoing effort. Kagi’s lenses are an interesting way to limit certain searches to specific sorts of sites. And all of that is still just scratching the surface of how Kagi works to reshape search, both inside and out. A revamped window to the web Even if you don’t customize a thing or exert much energy thinking about the interface, you’ll notice some significant differences in what Kagi’s like to use compared to the status quo. The service combines its custom web index with search results from “almost every other search engine in the world,” as Prelovac describes it—which, rather ironically, suggests you’re actually seeing at least some Google results within Kagi. But Kagi puts all of that data through its own special blender before serving it up to you—and, as you’d imagine, it includes assurances that your search data will never be saved or used for any manner of advertising. The aim is to create the perfect mix of high-quality results that actually answer what you’re after without making you want to gouge your eyes out. “We push down sites that have a lot of ads and trackers, because that usually correlates with low-quality content, and we push up results that have very little ads or no ads and tracking on them, which usually correlates with high-quality content and somebody writing because it’s their passion,” Prelovac says. Kagi’s index also brings in an added emphasis on what Prelovac calls the “noncommercial” or “small” web—personal blogs, discussions, and other off-the-beaten-path sites that tend to get buried in results from Google as well as the newer breed of large language model chatbots. This atypical approach is apparent with practically every search you perform within Kagi. If I search for “best usb-c to 3.5mm adapter,” for instance, Google gives me a screen that’s heavy on ads and other sales-oriented offerings. Kagi, in contrast, focuses on Reddit threads and recommendations from lots of lesser-known sites that would never show up in a standard search setup. Google’s results, left, compared to Kagi’s If I enter a more specific, black-and-white question—like “Is the Galaxy S25 worth buying?”—Google gives me a bunch of YouTube videos followed by related queries, a block of news stories, and then a single Reddit thread and some more YouTube videos. Kagi serves up a simple summary of different opinions, with clear citations alongside each point, followed by articles at a variety of sites both big and small that seek to answer the inquiry. Kagi also offers a one-click “Quick Answer” option to get a summary of all the top results for any inquiry on the spot. Plus, within each individual result, it provides a handy “Summarize page” command that shows you the high points of any page’s contents right there, no extra clicks or browser tabs required. By and large, though, Kagi really does make its AI elements easy to avoid. The options are available if you want ’em—some tucked away into the service’s $25-per-month “Ultimate” subscription. That plan gives you access to Kagi’s Gemini- and ChatGPT-like Assistant chatbot, which combines large language models from OpenAI, Google, Anthropic, Meta, and other organizations together with Kagi’s own web results. The system keeps all of your data private and lets you see info from any of those sources with Kagi’s custom filtering in place, which Prelovac hopes will lead to more refined results than what you’d get directly from any of the associated chatbots. “AI is limited by what you feed into it,” Prelovac explains. “It all goes back to incentives.” The big question, then, is how many people are willing to cough up the cash to enjoy these enhancements. The search for sustainability Prelovac says Kagi is already profitable, achieving a level of success never experienced by the higher-profile Neeva, a paid search service launched by former Google executives in 2021 and shut down roughly two years later. In Prelovac’s view, the key differences between Neeva and his creation are the motivation and the metric for success. Neeva raised $77.5 million in funding, with investments from venture-capital bigwigs like Greylock and Sequoia. So despite amassing a pool of 2 million paying users—a number that dwarfs Kagi’s current base of paying members—it never managed to make enough money to be seen as sustainable. “It’s funny that for them, it’s a failure—[and] for us, it’s a success,” Prelovac says. On that note, Prelovac deliberately doesn’t think of his service as attempting to be a “Google killer,” as I alluded to earlier. In his eyes, Kagi and Google don’t share the same customers, so there’s no way they could be competing with each other directly—despite the fact that they serve similar surface-level purposes. “Google’s customers are the advertisers. Ours are the users,” he says. “The source of money for Google and source of money for us comes from totally different market segments.” ​Kagi is also working to set itself apart by developing its own WebKit-based browser, Orion, which includes a smattering of privacy-minded additions while putting the Kagi search service front and center. It’s available only for macOS and iOS at the moment, which means I wasn’t able to use it, personally, as I’m more of a Windows and Android kind of guy. But Prelovac says it’ll make its way to other platforms eventually. ​ ​Without Orion in the mix, getting other browsers to rely on Kagi for their native search functions can be a bit of an adventure. Kagi offers an extension that handles the setup for you, and if you’re using Safari, that’s the only choice you’ve got. With Chromium-based browsers and also Firefox, you can instead just make a few reasonably easy adjustments in your browser’s settings to accomplish the same feat. ​ The same applies for most mobile browsers—again with the exception of Safari, which requires the use of the Kagi extension—or you can just download the native Kagi Android and iOS apps and start your searches there. The real challenge, then, is continuing to convince people to deal with those hurdles while also paying for something they’ve so long seen as a freebie. “We are going against one of the most entrenched habits in society—that search is somehow God-given and free, almost like a right—where in reality, it’s just a service provided by one of the wealthiest tech companies in the world,” Prelovac says. One stat he finds encouraging is that once people get in the door at Kagi, they tend to stick around at unusually high numbers. All Kagi subscriptions start with a 100-search free trial, and Prelovac says about 20% of people who start a trial continue on to a paid plan from there. Even just in the few weeks that I’ve been watching the service closely, I’ve seen its self-reported stats of paying members climb by around 1,000 people—which is somewhere in the ballpark of 3% growth, at this scale. (Kagi has also grown internally, with 40 employees as of the start of 2025, up from 25 when Fast Company wrote about the company just over a year ago.) Still, convincing people to pony up $5 to $25 per month for something they’ve been trained to expect at no cost is a constant mountain to climb. “It’s easy to compete with cheap and bad [by offering] high-quality and expensive,” Prelovac says. “But there are very little analogies in the past where a company has tried to compete with free.” The real saving grace may be Kagi’s goal, which is less about stealing a significant share of Google’s users and more about simply finding enough interest to make itself sustainable long into the future. Speaking of that long-term view, Kagi’s next ambitions include releasing a stand-alone version of its Assistant AI chatbot later this year, launching more native apps across all desktop and mobile platforms after that, and eventually building up an entire integrated portfolio of cross-platform products that equip people to say so long to Big Tech in all sorts of areas beyond just search. But for now, it’s one day and one won-over user at a time. And as for the question of if and when a mass of internet citizens might join the movement and decide search is something worth paying for—for the moment, at least, that’s a question even Kagi can’t answer. Discover all sorts of off-the-beaten-path productivity treasures with my free Cool Tools newsletter—a single new inspiring discovery in your inbox every Wednesday! View the full article

Beijing announces measures as 10 per cent levy on Chinese imports comes into effectView the full article

Botox can be expensive. You know what isn’t? Bananas. A new beauty hack making the rounds online involves rubbing the inside of a banana peel all over your face for a few minutes to brighten and tighten skin. You’ve heard of chemical peels for your skin? Now it’s all about the banana peel. “This actually made my face feel so much tighter,” one TikToker said after giving the hack a go. “Me, after seeing a banana peel can help with hydration, brightening, hyperpigmentation & be preventative Botox,” wrote another over a video of them rubbing the peel on their skin. “POV: When you’re 37 years old & do banana peel scrubs instead of Botox,” a third creator posted. “Why didn’t I see this 5,000 bananas ago,” read one of the comments. Can it be that the key to glowing skin has been sitting in our fruit bowls all this time? Dermatologist Geeta Yadav posted a TikTok video sharing her thoughts on the hack: “First off, ew,” she says. And while yes, she acknowledges that bananas contain antioxidants, anti-inflammatories, and antimicrobial properties, Dr. Yadav wouldn’t recommend using banana peels in place of an over-the-counter skincare product. As for being “nature’s Botox”? “There’s no topical or food supplement that is going to give you the same effect Botox can when [it’s injected],” she adds. One TikToker points to the lutein in the banana peel as the reason for its possible brightening, hydrating, and soothing properties. “It’s more like preventative Botox,” she says. Skin and aesthetics expert Nina Prisk, founder of Update Aesthetics clinics in the U.K., cautions that while bananas do contain lutein, an antioxidant that may help brighten the skin, it won’t be absorbed properly simply by rubbing a banana all over your face. “It may, in fact, result in skin irritation, especially for those with sensitive skin,” she adds. Unless you are allergic to bananas, this beauty hack is unlikely to do any harm. As for the Botox claims, “rubbing banana skins on the face is simply not comparable to something which has scientific backing and has been used for over 20 years with proven results,” Prisk says. “Although some people might experience a temporary feeling of skin tightening, this will be short-lived, and it will not offer long-lasting results like injectable aesthetic treatments can.” That doesn’t mean bananas don’t have a host of benefits when used as nature intended (i.e., eaten). Naturally rich in potassium, bananas can help keep your skin moisturized and hydrated from the inside out. So just eat the banana, compost the tossed peel, and book an appointment with a professional for any Botox needs. View the full article

This post was written by Alison Green and published on Ask a Manager. It’s five answers to five questions. Here we go… 1. My company’s head of DEI outed me to 800 people I’m a nonbinary trans person working in sales for a multinational company. I’m out-ish at work. I’ve told my direct team I’m nonbinary, I have they/them pronouns in my email signature, and I wear a mixed wardrobe. I’ve not told anyone I’m trans directly, but I wouldn’t deny it if it came up. That said, the industry is conservative. Most colleagues assume I’m a man regardless of what I wear and everyone still get my pronouns wrong, even those who’ve asked. I mention this to say that I’m open but cautious about declaring my status at work. Our leadership has spoken up a lot about working on DEI in the last few years. Part of the plan to improve culture has been roundtables between senior leadership, the DEI team, and volunteer employees on their experiences with the company and where there have been struggles (think “improving the work environment for neurodivergent staff,” that sort of thing). I’d taken part in several of these before (as someone with ADHD) and found them a positive experience. Because of this, I didn’t think anything of it when our head of DEI asked if I would be comfortable speaking with the DEI team on my experience as a trans person in the workplace. She knew I was trans as I’d spoken to her previously about problems with our benefit system (a whole other story, but if you’re in charge of benefits, maybe don’t assume all your staff are cis and lock your healthcare options accordingly?). I assumed this invitation was more of the same and accepted. It was not more of the same. Four days later, I get an email invite to an all-staff Zoom panel for Pride Month. I’m named as one of the three speakers about “navigating changes to the industry while trans” and it explicitly outs me in the description. The Zoom panel is scheduled for the next day. The invite has gone out to all 800+ employees across the country. I immediately emailed the head of DEI, said this wasn’t what I expected and I didn’t appreciate being put on the spot this way, and pulled out of the panel. Was this a huge error on her part or just a miscommunication? I was probably at least partly to blame for not checking what exactly she was asking of me, but her original email just said “speaking with the DEI team,” not “speaking with the DEI team in front of all of your colleagues.” But it’s weighed on my mind since and I can’t help but wonder if being outed this way has impacted my career opportunities. It’s definitely made me feel less safe speaking with HR. It was absolutely a huge error on her part. This was different than what she had invited you to participate in previously, and she should have spelled out what she meant — and if the wording in your letter about how she approached you (“asked if I would be comfortable speaking with the DEI team on my experience”) is the wording she used with you, her wording wasn’t at all in sync with what the event actually was. This isn’t on you — it’s on her. I’m curious how she handled it once you pointed out what had happened. Your company sounds like they’ve tried to invest in safety and inclusion, so unless she was profoundly apologetic and has talked to you about what will change as a result, you could consider speaking to someone above her about what happened. Related: a VP wants me to out myself at work and won’t take no for an answer 2. My coworker keeps interfering with my work I am having problems with a coworker who repeatedly oversteps onto my tasks. She and I have the same role, me being three years her senior. We used to be on the same team but after a recent reorganization, she moved to another team under the same department. I have never been very fond of her working style: she is very diligent and proactive but tends to act first and ask later, causing unnecessary friction and sometimes overstepping onto other people’s work. Since she changed teams, she has been “suggesting improvements” or inserting herself in tasks that are under my scope and outside of hers. She tends to bypass me and my team — she goes straight to the client to propose her solutions although I am the person who has to implement them, and I am either not interested or have already identified and documented the same solutions. I am getting more and more upset at this because I feel that, at the very least, she needs to communicate with my team before going to the client. I have explained this to her, her manager, and my manager. She just reacts to my messages with a thumbs-up, her manager promises to work with her to improve the miscommunication, and my manager sides with me. However, the situation is still the same and I am at my wits end. Is there anything else I can do to resolve this problem? It sounds like you’ve just been messaging her about it (“she reacts to my messages with a thumbs-up”). Since that hasn’t solved the problem, it’s time to move to an in-person meeting with her about it (or Zoom, if you’re remote), ideally with your manager and her manager there, where you can lay out the pattern, why it’s a problem, and what you need her to do differently. As part of that conversation, ask why this keeps happening when you’ve asked her multiple times to stop — is something getting lost in translation? Is she getting conflicting direction from someone else? Does she think every instance is different and she needs to extrapolate “don’t do X” to a broader variety of situations? Sometimes this kind of meeting will surface that there really was some sort of misunderstanding or miscommunication. Other times, it’ll just drive home to the person that they need to take it more seriously, it’s a big deal if they don’t, and they can’t continue being cavalier about it. If that doesn’t work, you need to escalate it to both your managers each time it happens. Be the squeaky wheel if necessary — but start with a real conversation with her, not just a message. 3. We have to choose between a building with no heat or a building without equipment Where I work, we have two buildings about one mile apart from each other. I have worked out of the original building (#1) most of my time with this company. In 2020, we all transitioned to WFH. Two years ago, we went to one day in the office as a group as mandated from above. However, this entire time we were all coming into the office more often; our group has always done better than most at closing profitable projects, mainly because of our constant contact. This past spring, my group was relocated to a new area in the new building (#2). Both buildings removed our large desks and replaced them with small desks. All these desks were to be used for hot-desking and were supposed to have dual monitors with keyboards and mice at each one. The original space in building #1 did not get set up for a long time, and there are many desks without anything on them because they ran out of monitors and keyboards and are not getting more in from, what we are told. We now have a mandate from above that we must be in the office three days a week and, according to rumors, it can be grounds for termination if not followed. However, the new office area in building #2 is without heat due to a problem with the heating system and it will be for several more weeks (months?). We are in the mid-Atlantic area and it gets below 0 at times. The coldest I saw it in the office was 60 degrees one day (it was below 0 outside). 60 doesn’t sound that cold but it is if all you are doing is sitting at a computer. Our manager has said he will not enforce the mandatory three days a week, but I am worried because our big boss demanded it. Should we continue to go to our new office and freeze, go to the old office and suffer low productivity due to not having a proper computer setup, or continue to work from home and only come in as needed and risk repercussions from upper management? That’s ridiculous. OSHA doesn’t require specific temperatures, but they do recommend temperatures of 68-76° F. Your manager needs to go to his management and explain that until either (a) the heat is fixed or (b) building #1 is given enough equipment, your team can’t come in three days a week — that you’ll be happy to as soon as one of those is remedied, but until then there’s no feasible way to meet the mandate. It’s absurd to expect you to work without heat in the middle of winter or without monitors and keyboards. But your manager needs to spell that out to someone above him (and you should ask him to do that if he hasn’t yet). 4. New employee is billing more time than he works I am a project manager and oversee a team of five. One of my direct reports, “Marty,” was hired in October and has proven to be a quick learner and generally a good employee. However, there’s a recurring issue with his timekeeping. Marty has been routinely not working a full eight hours but is still billing for all eight. He typically arrives around 8:15 am, leaves at 4:30 pm, and takes an hour for lunch, effectively billing about 45 extra minutes each day. While I was deciding how best to address this, another team member, “Hamilton,” who can be a bit nosy but means well, stopped by my office to point out the discrepancy with Marty’s timesheet. I spoke to Marty, explaining that while it’s okay to work outside the standard 8-5 hours, he needs to inform me beforehand. I also asked if this was a workload issue, which he assured me it was not. I thought the conversation went well and he seemed to understand. Cue post holidays and Marty has pinged me every day this week at 4:30 pm, notifying me he is signing off, even though he continues to arrive after 8 am. Given that the job requires billing clients in 15-minute increments, transparency about hours worked is crucial. I am also concerned about potential animosity among team members who might feel that Marty is receiving special treatment. How should I handle this situation to ensure fairness and maintain team morale? It sounds like when you talked to him, you just told him to let you know if he works non-standard hours — but that’s not what the real issue is. The real issue is that he’s billing more hours than he’s working, so you need to go back to him now and clarify that. Since the message somehow got muddled the first time, be very, very clear now: “You have been working less than eight hours a day but billing for eight. We need to make sure your billing matches your hours worked exactly, because ____.” There are some workplaces that tell exempt employees to just bill a straight eight hours per day, regardless of the exact hours they actually worked (typically when it’s for internal purposes and not client billing) and it’s possible he came from one of those. Or maybe he’s sloppy or deliberately deceptive, who knows. But the first step is to tell him clearly what he needs to do differently. If that doesn’t solve it, you’d need a more serious conversation — but so far it doesn’t sound like you’ve clearly told him what needs to change. 5. I’m worried clients think I’m a nepo baby, but I’m not! I have a fairly common last name, and I recently started working at a small company where my boss has the same name as my dad. We are not related at all. I would be less worried if it was a bigger company, but since it’s so small (and if anyone were to look at socials, they would see my dad has the same name), it feels like people might assume a familial connection instead of a coincidence. It’s been fine so far, but I’m starting to shift to a more client-facing role, so I’ve been thinking about how I’m being perceived and how to build my reputation in our field. Is there a chance of my reputation being harmed if people think I got my job through nepotism, or is this something where it’s weirder to address it? Since it’s a common last name, I wouldn’t worry — people will know it’s a common last name, and they’re unlikely to know what your dad’s first name is. That said, if you want to be extra sure, you can always introduce yourself by saying, “Tangerina Murphy (no relation to Percival on our team).” View the full article

Mr. Cooper is set to launch a pilot program by midyear, integrating previously released components into a unified platform. View the full article

Brussels set to issue guidance on banned uses of AI, even as US president threatens retaliation over treatment of Big TechView the full article

Ana Botín is building the Spanish bank’s US arm though its future in the UK is less certain View the full article

1869 scheme will invest in the Wall Street bank’s private market vehiclesView the full article

Critics say fragmented ownership, weak culture and a fixation on financial results have harmed innovationView the full article

Global estates are being restructured ahead of planned change in April View the full article

Ruling coalition is divided over whether to exempt US satellite company from post-apartheid Black empowerment rulesView the full article

Simply adding a human review process to an algorithmic decision doesn’t make tricky trade-offs disappearView the full article

Equities recover some ground after US president delays levies on Canada and MexicoView the full article

US president’s trade offensive pushes producers to seek other markets as Beijing mulls retaliation optionsView the full article

Chief executive says government efficiency department will be ‘very good’ for data analytics groupView the full article

Bluevine has announced a new partnership with Xero, a global small business accounting platform, aimed at providing small business owners and accountants in the U.S. with improved financial management tools. The collaboration allows Bluevine customers to sync their banking data with Xero, enhancing efficiency, financial tracking, and overall business growth. Through this partnership, small businesses and their accountants will be able to integrate banking data from Bluevine directly into Xero. This enables streamlined collaboration, easier financial management, and improved tracking of expenses and cash flow. In Bluevine’s accountant dashboard, accountants can securely access their clients’ Bluevine accounts, simplifying the process of managing business finances. The partnership includes special promotional offers for customers: Bluevine Plus and Premier customers receive a six-month free trial of Xero’s accounting software. US-based Xero customers can access a three-month free trial of Bluevine’s Plus or Premier banking plans. Bluevine Standard customers receive a three-month free trial of Xero’s accounting software. Xero customers opening a Bluevine account may qualify for a $300 sign-up bonus, subject to eligibility requirements. Bluevine Premier customers gain additional benefits, including a 3.7% annual percentage yield, low-cost payment fees, ACH positive pay, and priority customer support. “We’re proud to partner with Xero to simplify financial management for small business owners and their accountants, and unlock value for both groups,” said Kyle Cooper, VP and GM of Checking and Payments at Bluevine. Vikram Grover, Executive General Manager, Global Partnerships at Xero, added, “Small businesses thrive when they have access to accurate, real-time financial data at their fingertips. Our integration with Bluevine will sync financial data into Xero, giving businesses a clear view of their cash flow so they can make informed decisions that fuel growth. We’re providing a holistic view of business finances, empowering small businesses and their advisors with the knowledge they need to succeed.” The Bluevine-Xero integration is now available to customers. For further details on plans, pricing, and eligibility for promotional offers, visit the Plans and Pricing page or the Xero promotion page. This article, "Bluevine Partners with Xero to Enhance Small Business Banking and Accounting" was first published on Small Business Trends View the full article

Bluevine has announced a new partnership with Xero, a global small business accounting platform, aimed at providing small business owners and accountants in the U.S. with improved financial management tools. The collaboration allows Bluevine customers to sync their banking data with Xero, enhancing efficiency, financial tracking, and overall business growth. Through this partnership, small businesses and their accountants will be able to integrate banking data from Bluevine directly into Xero. This enables streamlined collaboration, easier financial management, and improved tracking of expenses and cash flow. In Bluevine’s accountant dashboard, accountants can securely access their clients’ Bluevine accounts, simplifying the process of managing business finances. The partnership includes special promotional offers for customers: Bluevine Plus and Premier customers receive a six-month free trial of Xero’s accounting software. US-based Xero customers can access a three-month free trial of Bluevine’s Plus or Premier banking plans. Bluevine Standard customers receive a three-month free trial of Xero’s accounting software. Xero customers opening a Bluevine account may qualify for a $300 sign-up bonus, subject to eligibility requirements. Bluevine Premier customers gain additional benefits, including a 3.7% annual percentage yield, low-cost payment fees, ACH positive pay, and priority customer support. “We’re proud to partner with Xero to simplify financial management for small business owners and their accountants, and unlock value for both groups,” said Kyle Cooper, VP and GM of Checking and Payments at Bluevine. Vikram Grover, Executive General Manager, Global Partnerships at Xero, added, “Small businesses thrive when they have access to accurate, real-time financial data at their fingertips. Our integration with Bluevine will sync financial data into Xero, giving businesses a clear view of their cash flow so they can make informed decisions that fuel growth. We’re providing a holistic view of business finances, empowering small businesses and their advisors with the knowledge they need to succeed.” The Bluevine-Xero integration is now available to customers. For further details on plans, pricing, and eligibility for promotional offers, visit the Plans and Pricing page or the Xero promotion page. This article, "Bluevine Partners with Xero to Enhance Small Business Banking and Accounting" was first published on Small Business Trends View the full article

Small Business Financial Exchange, Inc. (SBFE) and bluCognition have announced a strategic partnership aimed at enhancing small business lending analytics. By integrating bluCognition’s advanced bank transaction data analysis with SBFE’s extensive credit payment performance data, the collaboration seeks to provide lenders with a more comprehensive view of borrower financial health. The partnership is expected to strengthen SBFE’s existing credit bureau relationships while expanding its membership base among U.S. lending institutions. The goal is to improve risk assessment and provide lenders with deeper insights into small business financial stability. “I am thrilled to have bluCognition partnering with SBFE to bring new products and services that will complement existing offerings from our credit bureau partners,” said Elisabeth Hughes MacDonald, Chief Executive Officer of SBFE. “Our members will benefit greatly from the availability of these new tools.” SBFE’s data exchange network includes information from over 140 members, including the top 10 commercial banks. By integrating bluCognition’s AI and machine learning capabilities, lenders will gain access to real-time financial insights based on borrower banking transactions. “In today’s rapidly changing financial environment, bluCognition’s strategic partnership with the SBFE will significantly advance the accuracy of currently available solutions to predict the financial health of any borrower. This partnership with SBFE will allow us to provide lenders an integrated view of any borrower by combining their credit payment performance with insights derived from leveraging their banking and financial transactions in real time,” said Sangarsh Nigam, President & CEO of bluCognition. This article, "SBFE and bluCognition Partner to Improve Small Business Lending Analytics" was first published on Small Business Trends View the full article

Small Business Financial Exchange, Inc. (SBFE) and bluCognition have announced a strategic partnership aimed at enhancing small business lending analytics. By integrating bluCognition’s advanced bank transaction data analysis with SBFE’s extensive credit payment performance data, the collaboration seeks to provide lenders with a more comprehensive view of borrower financial health. The partnership is expected to strengthen SBFE’s existing credit bureau relationships while expanding its membership base among U.S. lending institutions. The goal is to improve risk assessment and provide lenders with deeper insights into small business financial stability. “I am thrilled to have bluCognition partnering with SBFE to bring new products and services that will complement existing offerings from our credit bureau partners,” said Elisabeth Hughes MacDonald, Chief Executive Officer of SBFE. “Our members will benefit greatly from the availability of these new tools.” SBFE’s data exchange network includes information from over 140 members, including the top 10 commercial banks. By integrating bluCognition’s AI and machine learning capabilities, lenders will gain access to real-time financial insights based on borrower banking transactions. “In today’s rapidly changing financial environment, bluCognition’s strategic partnership with the SBFE will significantly advance the accuracy of currently available solutions to predict the financial health of any borrower. This partnership with SBFE will allow us to provide lenders an integrated view of any borrower by combining their credit payment performance with insights derived from leveraging their banking and financial transactions in real time,” said Sangarsh Nigam, President & CEO of bluCognition. This article, "SBFE and bluCognition Partner to Improve Small Business Lending Analytics" was first published on Small Business Trends View the full article

A strong supply chain ensures the right goods are available at the right time, in the right place, and in the right quantities. An effective supply chain strengthens everything from customer loyalty and company reputation to market resilience and consumer safety. But supply chains are notoriously vulnerable to costly disruption, tampering, and theft. In today’s world of rapidly shifting consumer demands, ensuring supply chain integrity is critical to maintaining a healthy supply chain, which can mean the difference between keeping pace with and falling behind the competition. Impinj surveyed 1,000 US supply chain professionals across a variety of industries for its Supply Chain Integrity Outlook 2025 report. We defined supply chain integrity as the reliability, security, and accuracy of all elements within the supply chain, ensuring that products and services are delivered as intended. We discovered that integrity matters a great deal to supply chain leaders. But there’s also a glaring supply chain data accuracy gap that could mean significant headaches for organizations in 2025. Supply chain managers facing data blind spot More than nine out of 10 supply chain managers believe they are equipped to achieve accurate, 360°, real-time inventory visibility, yet just 33% consistently do so. This data blind spot affects the ability to make the informed, data-driven decisions necessary to optimize inventory, boost efficiency, and lower costs. As a result, many companies are struggling to reach the level of insights, visibility, and accuracy required to support supply chain integrity and respond quickly to demand, leading to system-wide impacts across a range of issues, including counterfeiting, theft, sustainability, and the effective use of AI across the supply chain. Disruption from viral trends Viral trends can be a boon to retailers by driving increased sales. But they become a headache for supply chain leaders when they lack visibility into the goods in their supply chain. As a result, more than half of supply chain leaders say they face challenges in responding quickly to shifting demand. They’re also struggling to keep pace with changes in customer shopping habits and demand driven by popular online storefronts like Facebook Marketplace and Instagram Shops. Rapid peaks in customer demand, driven by viral trends, can happen without warning, potentially putting organizations without real-time inventory insights on the back foot. Effective AI strategies require accurate data AI has the potential to revolutionize supply chains. Think efficiency, real-time decision-making, and predictive analytics for inventory management. But effective AI strategies are built on accurate data. In the survey, inaccurate data is the most frequently cited obstacle to implementing AI for supply chain improvements, followed by data availability and real-time data access. These findings emphasize the need to correct supply chain inaccuracies now, giving supply chain leaders a solid foundation for adopting AI and other groundbreaking future innovations that rely on good data. Fighting faux merchandise, shrink, and theft Most respondents, particularly in retail (65%), say they are plagued with counterfeit goods in the supply chain, regardless of the size of their business. Reducing shrink and theft is also a challenge for most (60%) organizations. These remain systemic issues for supply chain leaders, particularly those in the food, grocery, and restaurant sector, where 82% report challenges reducing shrink. Improving supply chain sustainability Supply chain managers are under pressure to reduce the environmental impact of their operations. Over a quarter of respondents report difficulties in reducing the environmental impact of their organization’s supply chain, while nearly half (49%) are concerned about meeting the EU’s upcoming Digital Product Passport (DPP) mandate. A scattershot approach to addressing supply chain integrity Almost all supply chain professionals surveyed say they plan to invest in improving their organization’s supply chain in the next year. However, the best course of action may not be obvious, which is why many respondents are attempting a mix of strategies. Retail supply managers are adopting new technologies for the authentication of goods in transit and general goods verification, and they’re introducing more authentication checkpoints throughout the supply chain. Meanwhile, the food sector is looking to technology for shopfloor surveillance and food waste reduction. To improve sustainability, respondents across sectors cite several strategies, including measurement of their sustainability efforts and improving last-mile delivery efficiency. This scattershot approach may portend an underlying problem: putting narrowly scoped measures into practice could contribute to the general lack of real-time visibility and data accuracy. Real-time visibility can bridge the gap Supply chain integrity matters. Without it, supply chains become insecure and unreliable. Our research shows a pressing need for organizations to address data accuracy gaps for greater supply chain – and business — resiliency. Visibility into everything that enters and moves through a supply chain can have enormous positive impact, delivering real-time insights that help organizations power more robust forecasting and decision-making for a nimbler response to supply chain stressors. Technologies like RAIN RFID are helping supply chain managers drive more accurate data insights to power everything from supply chain automation and AI to advanced anti-counterfeiting, loss prevention and shipment planning. As today’s supply chains face increasing threats from climate change, geopolitical instability, and constantly changing consumer tastes, unaddressed supply chain data gaps are a growing liability that organizations cannot afford to ignore. Jeff Dossett is Chief Revenue Officer at Impinj View the full article

High costs and inflexible immigration system deter talent, say peersView the full article

Imagine this: A team meeting is scheduled for 4 p.m. in California. For software developers in Mumbai, it’s 5:30 a.m. the next day—prime sleeping hours or, at best, the tail end of an exhausting night shift. In Poland, where other team members are based, it’s already 1 a.m., and the developers are long offline. Awkward timing for a call, to say the least. How do these time zone differences impact overall efficiency? As more projects rely on globally distributed teams with members from every corner of the world, this question is becoming increasingly urgent. This is underscored by a study conducted by Harvard Business School professor Prithwiraj Choudhury. It found that even a one-hour time difference leads to an 11% drop in real-time communication, like calls or video chats, and a 19% reduction in opportunities to connect during the workday. Communication gaps like these ripple through team dynamics, causing stress, forcing employees to catch up outside work hours, and reducing overall efficiency. The cost of poor communication is significant. Grammarly reported that U.S. businesses lose over $1.2 trillion annually due to inefficiencies caused by miscommunication. This is why time zone alignment makes such a big difference. Teams operating within overlapping hours collaborate more effectively, experience less stress, and work more efficiently. This is the driving force behind nearshoring—the practice of outsourcing to nearby regions with overlapping working hours. Harmony across time zones: How nearshoring drives collaboration Nearshoring solves the headaches of time zone misalignment. By working with LATAM teams, U.S. companies can collaborate in real time and have fewer scheduling conflicts. The region’s expanding tech talent, driven by investments in education and connectivity, makes it an ideal partner. Nearshoring means real-time communication, stronger relationships, and a workforce that boosts both productivity and mental health. As distributed teams strive for efficiency and balance, time zone alignment shouldn’t be an afterthought. Prioritizing schedules that support seamless collaboration and reduce stress enables companies to unlock the true potential of remote work. It’s about more than convenience—it’s about creating frameworks that build trust, clarity, and alignment across teams. How? Observing our distributed teams at work, a handful of recommendations come to mind: Implement a collaboration framework: Working remotely across close time zones requires clear guidelines for communication, support, and task ownership. A well-structured framework ensures that responsibilities are clear and minimizes interventions—like being pulled into a late-night Zoom meeting when family time beckons. This clarity and communication allows team members to focus on their work without sacrificing their personal lives. Poor collaboration doesn’t just create personal frustration; it can significantly impact business. When teammates are constantly catching up, replying to endless emails, or joining irrelevant calls, stress levels quickly escalate. Stress-related conditions cost U.S. businesses over $300 billion annually due to absenteeism. With the right framework, teams stay productive and maintain mental well-being. Minimize time zone-related challenges: To secure top tech talent, we’ve expanded our hiring reach to ensure both expertise and seamless collaboration with U.S.-based clients. We focus on time zones that allow overlapping schedules, making nearshoring a clear advantage over traditional outsourcing. Nearshoring eliminates the complexity of scheduling across divergent time zones, enabling real-time collaboration, removing blockers, and supporting time-sensitive solutions. Our team members frequently highlight the mental health benefits of this alignment. Adequate sleep and greater control over their schedules stand out as key contributors to their well-being. Shared schedules also streamline Agile and Scrum methodologies, ensuring planning, daily standups, and retrospectives happen without conflicts. Get Culture Right: While diverse perspectives foster creative problem-solving, mismatched working styles can create friction. In our experience working with distributed teams across LATAM, we’ve found that clear communication, prompt resolution of blockers, and a strong sense of ownership are critical to success. These traits—paired with a hands-on approach to tackling bottlenecks—build trust and ensure progress. Nearshoring supports these expectations by fostering a shared work culture where feedback is encouraged, mistakes are treated as learning opportunities, and collaboration thrives. This alignment ensures teams deliver both innovation and reliability. Optimize scheduling with the right tools: As recent studies show, work schedules have a direct impact on mental health. Effective scheduling is key to maintaining mental health and productivity. Tools like Jira and Asana enable asynchronous work by tracking tasks, assigning ownership, and setting clear deadlines. Platforms like Slack and Zoom keep teams connected and ensure communication is well-documented. Integrations between tools, such as Slack notifications for Google Calendar or Jira updates, centralize information and prevent missed tasks. Leveraging these solutions simplifies collaboration and supports balanced, efficient workflows. As we become more attuned to the importance of mental health, it’s clear that aligning time zones isn’t just practical—it’s transformative. Collaborating with teams in aligned time zones simplifies workflows, reduces stress, and fosters a healthier, more efficient work environment. Thoughtful scheduling, cultural alignment, and nearshoring make remote collaboration effective and enjoyable simply by paying better attention to how we manage the most precious resource at our disposal: time. Nacho De Marco is the cofounder and CEO of BairesDev. View the full article

Multiple earthquakes are rattling Santorini, a volcanic island in Greece, prompting authorities to dispatch rescuers with tents, a sniffer dog and drones, and to shut schools on four islands. Residents have been warned to avoid indoor gatherings, check escape routes, stay away from cliffs and to drain swimming pools to reduce potential structural damage to buildings in the event of a large earthquake. Greece lies in a highly seismically active part of the world, and earthquakes are frequent. The vast majority cause no injuries and little or no damage, but the country has also seen deadly quakes. Earthquakes can’t be predicted, but authorities are taking measures as a precaution. Santorini, one of Greece’s most popular tourist destinations, took its present crescent shape following a massive volcanic eruption in antiquity. Now, millions of visitors each year come to see its dramatic scenery of whitewashed houses and blue-domed churches clinging to the cliff along the flooded caldera, or volcanic crater. Last week, scientists said they had noticed increased volcanic activity in the caldera, but say this isn’t linked to the earthquakes. Here’s a look at the current situation: What’s going on? About 200 quakes with magnitudes between 3 and 4.9 were registered from Saturday to Monday afternoon between Santorini and the nearby island of Amorgos, authorities said. Seismologist Gerasimos Papadopoulos said on Greece’s ERT television that the seismic activity began on Jan. 24, but intensified Saturday, with increasing frequency and magnitudes. The fault line producing the current earthquakes runs for about 120 kilometers (75 miles), but only the southern part between Santorini and Amorgos has been activated. The earthquakes have epicenters beneath the seabed, roughly 30-40 kilometers (18-25 miles) from any of the islands. Scientists say this is good news, as an epicenter beneath land could potentially be more destructive. But a large quake could also trigger a tsunami, so authorities have warned people to stay away from coastal areas and head inland if they feel a significant earthquake. So far, there has been no damage or injuries reported, although some minor rock slides have occurred. Could the earthquakes trigger a volcanic eruption? Santorini lies along the Hellenic Volcanic Arc, which stretches from the Peloponnese in southern Greece through the Cycladic islands. Last Wednesday, Greece’s Climate Crisis and Civil Protection Ministry announced monitoring sensors had picked up “mild seismic-volcanic activity” inside the island’s caldera. Similar volcanic activity had been recorded in 2011, when it lasted for 14 months and ended without any major issues. Another volcano — a submarine one called Kolumbo — lies about 8 kilometers (5 miles) northeast of Santorini, nearer to the epicenter of the current earthquakes. But seismologists say the quakes aren’t related to the volcanoes. A meeting between government officials and scientists determined that seismic activity within Santorini’s caldera “remains at the same low levels as in recent days,” the Civil Protection Ministry said Monday, but that it was “particularly increased” between Santorini and Amorgos. What are authorities worried about? Scientists are still trying to determine definitively whether the multiple quakes are foreshocks — smaller earthquakes before a major temblor. Papadopoulos said that there was a “high probability” they are. Santorini’s main villages are built along the rim of the volcano’s caldera — producing the dramatic scenery of cascading whitewashed houses and sunset viewpoints that make the island so popular, but also raising concerns in the event of a major earthquake. The sheer cliffs also make some areas prone to rock slides. What precautions are being taken? Authorities sent a team of rescuers with a sniffer dog and drones to Santorini, where they set up tents in a basketball court next to the island’s main hospital as a staging area. Push alerts have been sent to cellphones warning people to stay away from areas where rock slides could occur, and banning access to some coastal areas. Residents and hotels have been asked to drain swimming pools, as the water movement in a major quake could destabilize buildings. People have been told to avoid old buildings and check for exit routes when in built-up areas. Schools on Santorini, as well as the nearby islands of Anafi, Amorgos and Ios, will remain shut all week. What’s the history? The fault line that has been activated was the site of Greece’s largest quake in the last century: a 7.7 magnitude temblor dubbed the Amorgos earthquake that struck in 1956, triggering a roughly 20-meter (65-foot) tsunami, causing significant damage in Amorgos and Santorini and killing more than 50 people. Santorini is also the site of one of the largest volcanic eruptions in human history. Known as the Minoan eruption, it occurred around 1,600 B.C. and destroyed much of the formerly round island, giving Santorini its current shape. The eruption is believed to have contributed to the decline of the ancient Minoan civilization. Although it’s still an active volcano, the last notable eruption occurred in 1950. “What we must realize is that the Santorini volcano produces very large explosions every 20,000 years,” Efthymios Lekkas, seismologist and head of the scientific monitoring committee for the Hellenic Volcanic Arc, said last week. “It’s been 3,000 years since the last explosion, so we have a very long time ahead of us before we face a big explosion.” —Elena Becatoros, Associated Press View the full article