Things Have Changed

Send us a textToday, more than ever, industries are turning to tech to address inefficiencies that plague day-to-day operations. The legal industry, often viewed as one of the most traditional and slow-moving professions, is undergoing a silent revolution. Lawyers, known for their meticulous review processes and reliance on institutional knowledge, are increasingly overburdened by repetitive tasks like document review and answering the same questions multiple times.Ruli AI, co-founded by Bryan Lee, is at the forefront of this shift, leveraging artificial intelligence to redefine how lawyers work. On Things Have Changed, we recently hosted Bryan Lee, co-founder and CEO of Ruli AI, to discuss how AI could tremendously boost efficiencies within the legal space while giving lawyers the tools they need to focus on strategic, high-value work.Ruli AI: The AI Partner for LawyersBryan's career journey is far from the typical one - going from big law to launching an AI startup. After spending years juggling the demands of capital markets law, in-house legal counsel, and AI development at Google and Meta, Bryan observed a universal pain point: lawyers spending countless hours on tasks that could be automated.“Imagine if lawyers had an AI partner that could handle repetitive tasks, like summarizing contracts, reviewing for inconsistencies, or even answering basic questions,” Bryan explained. “That's where Ruli AI steps in.”Ruli AI offers a legal platform with two primary components:Legal Hub: Automates intake processes, answers FAQs, and centralizes organizational knowledge for seamless collaboration.Copilot: A personal assistant for lawyers, capable of summarizing documents, conducting research, and providing clear, actionable insights.This dual approach makes Ruli AI a trusted partner that helps lawyers focus on what they do best: solving complex legal challenges.The Legal Profession's Efficiency ProblemAt the heart of Ruli AI's mission is the drive to solve a problem that plagues the entire legal industry: inefficiency! The numbers are staggering. In a typical in-house legal team, a single lawyer might support 100 or more employees, resulting in a backlog of unanswered questions, delayed document reviews, and unproductive hours spent on repetitive tasks.Lawyers and AI are an Ideal FitRuli AI shows that AI & Law is a perfect fit. There is growing consensus that at least in the Legal field, AI is being viewed more as an Aid, and not a Replacement. By automating routine tasks, AI can empower lawyers to spend more time on complex cases, strategic thinking, and client relations. This technological shift allows legal teams to work more efficiently and cost-effectively while maintaining high-quality services.Support the showThings Have Changed

Send us a textIn this episode of Things Have Changed Podcast, we sit down with Sélim Benayat, co-founder of Bento and now Director of Product at Linktree, to explore the shifting landscape of the creator economy and how Bento is helping creators showcase their work in a whole new way. Sélim shares the story behind Bento's creation, their journey through Sequoia's Arc program, and how they scaled their vision into a platform now empowering creators worldwide to curate their digital identities effortlessly.Creators, from engineers and designers to artists, have always had a hard time trying to visually showcase their work when it's scattered across different platforms. Sélim and his co-founder, Mugeeb recognized this problem and built Bento, a slick and visually stunning platform that lets you pull in all your creative projects into one central hub, making it easier to keep your work & portfolio organized and presentable.Tune in as we dive deep into Bento's acquisition by Linktree, the lessons learned from building a startup, and where Sélim sees the future of the creator economy headed. If you're a creator, entrepreneur, or just curious about the evolving digital space, this episode is packed with insights you won't want to miss!Be sure to subscribe to Things Have Changed Podcast and share this episode with fellow creators and visionaries.Support the showThings Have Changed

Have you ever stumbled upon an article or a piece of content online and wondered, "Did someone actually write this, or is it the work of ChatGPT?" In today's world, where content is produced at an incredible pace, it's becoming increasingly difficult to tell the difference.. and that's a problem in the age of misinformation.Think about it: people are getting their news on social media, X, Youtube or Facebook! With the advancements of AI, it's hard to tell how something online can be truly authentic. With latest studies showing >12% of Google's search results being AI-generated, it's critical to ensure the integrity of the digital content we consume and create.  That's where Originality AI comes in! We're thrilled to host Jon Gillham, founder and CEO on Things Have Changed. as he shares how his team are tackling these issues head-on by developing cutting-edge tech to detect AI-generated content. In a short span of time, Originality AI have achieved remarkable results, and is the most accurate AI Detector in the market for ChatGPT, GPT-4o, Gemini Pro, Claude 3, Llama 3 etc.So today on Things Have Changed, we'll dive deep into how Originality AI works, its impact on various industries, and why ensuring content authenticity is more important than ever.The Growth GearExplore business growth and success strategies with Tim Jordan on 'The Growth Gear.Listen on: Apple Podcasts Spotify PodMatchPodMatch Automatically Matches Ideal Podcast Guests and Hosts For InterviewsSupport the Show.Things Have Changed

Revolutionizing Battery Recycling: The Future of Sustainable Energy ManagementAs the world embraces the electric vehicle (EV) revolution, with 1.3 million EVs sold in 2023 alone—a 40% increase from the previous year—the issue of battery disposal and recycling is becoming increasingly critical. The demand for lithium-ion batteries, essential for EVs and other electronics, has skyrocketed, yet the challenge of managing these batteries at the end of their life remains largely unaddressed.The Circular Economy and Battery RecyclingThe concept of a circular economy, where products are reused, recycled, and remade into new products, is gaining traction as a sustainable solution to the growing battery waste problem. Traditional fossil fuels are consumed and discarded, but batteries, composed of valuable materials such as lithium, nickel, and cobalt, present an opportunity for continuous reuse. This shift from a linear to a circular model could significantly reduce the environmental impact of battery disposal.Cling Systems: Pioneering CircularityWilliam Bergh, the Founder and CEO of Cling Systems, is at the forefront of this transformation. Cling Systems aims to revolutionize the battery supply chain through closed-loop recycling, ensuring that used batteries are efficiently reclaimed and repurposed. This approach not only reduces landfill waste but also conserves valuable raw materials, contributing to a more sustainable energy future.Bergh's vision extends beyond recycling. He advocates for urban mining, a process where waste batteries are harvested for their raw materials, effectively replacing traditional mining. This method capitalizes on the fact that batteries, unlike fossil fuels, are not consumed but stored, making their materials available for repeated use.Challenges and Innovations in Battery RecyclingDespite its potential, the battery recycling industry faces significant hurdles. One major challenge is the lack of standardization in battery design, which complicates the recycling process. Unlike lead-acid batteries, which are standardized and widely recycled, lithium-ion batteries vary greatly in their composition and design. This variability makes it difficult to develop efficient recycling processes that can handle the diverse range of batteries in use today.Additionally, the supply of end-of-life batteries is highly fragmented. Batteries reach the end of their life in various locations, often ending up in drawers or being exported to different countries. This dispersed supply chain complicates the logistics of collecting and recycling batteries. Cling Systems addresses this challenge by creating a comprehensive database of battery types and conditions, enabling more efficient tracking and management of used batteries.The Future of Battery RecyclingLooking ahead, the future of battery recycling hinges on continued innovation and collaboration. The industry must scale up recycling processes, standardize battery designs, and develop more efficient logistics systems. As urban mining becomes more prevalent, the reliance on traditional mining for battery materials could diminish, leading to a more sustainable and self-sufficient supply chain.Bergh envisions a world where the environmental and commercial value of batteries is maximized through seamless recycling and repurposing processes. By removing the costs and complexities of circulating batteries, companies like Cling Systems are paving the way for a greener, more sustainable future. The shift towards a circular economy in battery management not only addresses the immediate waste problem but also supports the broader transition to renewable energy and a low-carbon economy.Support the Show.Things Have Changed

The Power of PR: Navigating Today's Media Landscape with Sneha SaigalIn our hyper-connected world, the stakes for corporate reputation are incredibly high. Remember Cristiano Ronaldo's simple gesture that caused a $5 billion drop in Coca-Cola's market value? Or the backlash against Pepsi's Kendall Jenner ad? These moments remind us how quickly public sentiment can shift.Today on the "Things Have Changed Podcast," we welcome Sneha Saigal, founder and CEO of Geeks&Experts, who has pioneered PR solutions that empower startups to turn crisis into opportunity. Her innovative approach helps startups navigate these volatile waters by providing scalable PR expertise, crucial for maintaining a positive public image.Join us as Sneha shares her invaluable insights into the vital role of PR in shaping public perception and brand integrity. We'll explore how effective PR strategies can help startups not just manage crises but also build enduring relationships and a robust corporate identity. Stay tuned as Sneha reveals the transformative potential of PR in the digital age and how it can make or break a company's reputation overnight.FinServ PodcastThe FinServ Podcast brings together legends and leaders in financial servicesListen on: Apple Podcasts SpotifySupport the Show.Things Have Changed

Bringing Coding to the Masses with AI.Can programming become accessible to all? This week on Things Have Changed podcast we have Filip C. Kozera (CEO) and Robert Chandler (CTO) from Wordware AI,  a startup that's simplifying app creation and making it more user-friendly for both experienced programmers and complete beginners!AI is the hottest topic in tech right now, and for good reason. Filip and Robert break down how they see the software landscape changing – moving away from traditional coding toward simply using plain English instructions with advanced technology.Imagine you have the next million-dollar app idea – and you're going to build it yourself! But instead of writing complex code, you're simply using...English. That's the vision driving the Wordware team, who are developing these impressive capabilities in a seamless, easy-to-use interface.Today's episode dives into topics like the rise of "prompt engineering" as a vital new skill, the wide-ranging impacts of easily accessible AI development, and a future where creativity and clear communication are more valued than traditional programming languages. Don't miss this fascinating look into making software development more intuitive and user-friendly!00:00 The Dawn of AI in Software Development00:46 The Evolution of Programming: From Code to English01:50 The Impact of AI on the Software Industry05:02 Exploring the Future of AI and Software with WordWare05:18 The Challenges and Innovations in AI Development07:48 WordWare: Revolutionizing Programming with AI09:33 The Expanding Role of AI in Various Industries10:02 The Future of Work: AI Engineers and Domain Experts12:31 Unlocking Creativity and Efficiency with AI18:49 WordWare: A New Paradigm for AI Development25:05 Empowering the Next Generation of Developers and Creatives30:09 WordWare's Vision: Making AI Accessible to All36:26 Closing Thoughts and Opportunities with WordWareSupport the Show.Things Have Changed

In February 2024, ChatGpt had 1.6 billion visits to its website and people have not stopped buzzing about “generative AI”. Basically, computers writing articles, doing homework or creating art. It's kind of reshaping how we think about work, creativity, and even “search”. As companies explore advanced AI, they often struggle with managing the necessary infrastructure, including the specialized chips that power these technologies, which can slow their progress. Brev, led by Nader Khalil offers a strategic solution that simplifies the complex landscape for companies striving to leverage AI.Brev's platform is designed to allow companies to focus on leveraging AI for innovation without the overhead of managing hardware, ensuring they can harness these powerful technologies efficiently.In the midst of this GPU capacity shortage, the need for more efficient resource management is highlighted. The lack of GPUs or the GPU availabilities out there in the world is not only affecting the largest customers in the world, but also startups and midsize companies that really need access to it.Today, on Things Have Changed Podcast, we're diving deep with Nader Khalil, Co-Founder and CEO of Brev into how they support the generative AI boom, ensuring that businesses can innovate freely with AI, reducing the trouble of managing infrastructure.Here are some helpful links:Nama Ventures InvestmentInfrastructure as a Service (IAAS) Article on BrevDevGenerative AI StatisticsSupport the showThings Have Changed

Tech companies today are building bigger and bigger campuses. Think about Google's sprawling complex in Mountain View, Facebook's expansive headquarters in Menlo Park, and Amazon's new HQ2 in Arlington, VA. These are not just workplaces; they are mini-cities, pulsating with thousands of employees every day. Just trying to get around campus becomes a rather daunting task and that's a problem that Jeral Poskey, founder of Swyft Cities, thinks about a lot:Swyft Cities was founded in 2019 by some Google Alums, behind the real estate and transportation programs for Google Campuses! The problem they were trying to solve? How do you move massive amounts of people in an increasingly growing campus?Jeral envisions a future where getting around tech campuses and cityscapes is as seamless as hopping on a ski lift, but with the urban flair of downtown gondola rides.Swift Cities isn't just about easing commutes; it's about transforming how we interact with our urban environments, making them more accessible, sustainable, and enjoyable. As Jeral puts it, it's about creating a 'Goldilocks density' of urban living, where communities thrive without the clutter and pollution of cars.Helpful links:Podcast - https://podcasts.apple.com/us/podcast/episode-35-why-swim-when-you-can-fly/id1687567073?i=1000645351345TechCrunch Win & Pitchhttps://www.holmessolutions.com/whoosh/https://www.businessinsider.com/america-parking-lot-spaces-addiction-economy-housing-costs-inflation-2023-4Support the showThings Have Changed

Picture this: You're kicking back, watching one of those jaw-dropping SpaceX rockets launch into the cosmos, carrying astronauts or top-secret cargo to the space station. Yeah, that's the same SpaceX we're talking about today on Things Have Changed. They've been lighting up the skies and our feeds with a whopping 96 launches last year alone. Impressive, right?But here's the kicker: even with all that rocket-fueled spectacle, we're left wondering, does all this bankroll Elon Musk's dream of an inter-planetary human?Enter the game-changer: Starlink. Imagine thousands of tiny satellites zooming above us, bringing high-speed internet across the globe. In just a blink (A few years), Starlink's morphed into a giant slice of SpaceX's revenue, raking in nearly 40%.And let's face it, in a world where the internet's as essential as the air we breathe, Starlink's looking to shake things up big time. So join us on Things Have Changed Podcast as we dive deep into the Starlink saga. It's more than just a tech tale; it's about connecting corners of the Earth that have been left in the digital shadows. Here are some helpful links:How Much Money Will Starlink Make?How Elon Musk's Starlink Is Bringing In Billions For SpaceXMore than 14M households across the US don't have internetDesign Flaw - 100 SatellitesStarlink SatellitesStarlinks Rapid GrowthBroadband Gaps Dirty Secret - redlining in Digital FormStarlink Subsidy DenialMilitary ImportanceThe I.T. Career Podcast Your ultimate guide to success in the I.T. industry. Helping you Grow your career!Listen on: Apple Podcasts SpotifySupport the showThings Have Changed

We've all been there: mid-conversation or deep into a work session, only for our digital lifeline to suddenly drop, leaving us stranded in a sea of silence. It's these moments of unexpected disconnection that highlight a pervasive gap in our modern, connected lives.Well, Today on Things Have Changed Podcast, we're joined by Damien Garot, CEO, and Hassan Aouisse, CTO of Stellar, a deep tech startup on a mission to perfect internet while on the move. Through their innovative blend of cellular, Wi-Fi, and satellite technologies, they're tackling the universal challenge of reliable connectivity, promising a future where digital accessibility knows no bounds.Join us as we delve into the journey of Stellar, uncovering the inspirations, challenges, and breakthroughs that mark their path towards a seamlessly connected world. This episode is more than just a peek into the future of technology; it's a conversation about how bridging the digital divide can reshape our daily lives, making every moment of connection count.So stay curious, and let's explore together how Stellar is lighting up the dark spots on our digital maps, ensuring that no call, no message, and no byte of data is ever lost in transit again.Support the showThings Have Changed

Dive into the heart of strategic innovation and cross-continental expansion with Dylan Terrill, the visionary Chief Business Officer of Asaak, on the latest episode of Things Have Changed podcast. Asaak, a fintech powerhouse initially taking Uganda by storm, is now making a bold leap into the vibrant markets of Latin America with its recent acquisition of FlexClub Mexico. This episode peels back the layers of Asaak's journey, offering a rare glimpse into the mechanics of startup acquisitions and the strategic maneuvers that drive them.In an engaging narrative, Dylan shares the compelling story of Asaak's evolution from a company addressing the financial void in Uganda by providing loans for motorcycles and smartphones to an ambitious entity setting its sights on Mexico's vast unbanked population. With over 300,000 active Uber drivers and a smartphone penetration of 93%, yet with less than half the adult population banked, Mexico presents a fertile ground for Asaak's mission-driven approach. The episode is peppered with intriguing data points, such as the staggering absence of usury laws in Mexico, offering a unique opportunity for Asaak to introduce fair and ethical financial services in contrast to the predatory lending rates that currently plague the market.Listeners will be captivated by Dylan's candid reflections on the lessons learned in Uganda and how these experiences are shaping Asaak's strategies in Mexico. From tackling the challenges of a cash-based economy to fostering financial inclusion and stability through innovative lending models, this episode is a treasure trove of insights for anyone interested in the dynamic interplay between fintech innovation and socio-economic empowerment. Join us on Things Have Changed for a deep dive into Asaak's groundbreaking journey and the visionary leadership steering it into new frontiers.Support the showThings Have Changed

Palmer Luckey, once synonymous with the virtual reality revolution through the Oculus Rift, catapulted into tech stardom when Facebook acquired Oculus for an astonishing $2 billion. This pivotal moment not only validated VR's potential as the next major computing platform but also marked a turning point in Luckey's career. His journey from crafting immersive digital worlds to influencing tangible, real-world outcomes began here, setting the stage for an unexpected pivot towards a sector far removed from gaming and entertainment: defense.Transitioning from virtual reality to the defense industry, Luckey embarked on a new venture, founding Anduril Industries. This shift was motivated by a desire to innovate within a sector known for its resistance to change, leveraging cutting-edge technology to address modern security challenges. Anduril's inception represented a bold move into a domain dominated by longstanding giants, with Luckey aiming to infuse the agility and innovation of Silicon Valley into the traditionally conservative defense industry.Anduril Industries stands as a testament to this vision, actively dismantling the traditional cost-plus model that has long governed defense procurement. By adopting a tech-driven approach, Anduril is navigating the "Valley of Death" – the daunting gap between prototype development and full-scale production that many defense startups face. Through strategic investments in autonomous systems and AI, Anduril is not just surviving this transitional phase but thriving, offering scalable, efficient solutions that promise to reshape the landscape of global defense, signaling a new era where technology drives strategy, and innovation ensures security.Support the showThings Have Changed

In the past two decades, technology has dramatically reshaped numerous industries, from newspapers to travel agencies. Once thriving sectors have been disrupted, evidenced by the decline of traditional newspapers, which lost $6 billion in ad revenue to Craigslist alone between 2000 and 2006. Similarly, the rise of platforms like DoorDash, Uber Eats, and Airbnb reflects a significant shift in consumer behavior. Now, this wave of technological disruption is poised to redefine the defense industry, a sector traditionally characterized by unique procurement practices and significant government contracts.

E-bike sales outpaced EVs and hybrid cars in both 2021 and 2022. In fact, research shows that by 2030, E-Bike sales are expected to 3x, outpacing even the rapid growth of passenger cars! There is a Bike Revolution taking place across the world and it is not only reshaping personal commuting but also freight and last-mile delivery services.In today's episode of Things Have Changed Podcast, we dive into the world of urban mobility with Mikko Ampuja, the founder and former CEO of Vapaus, a Helsinki-based startup reshaping the way we think about city commuting. Miko brings a unique blend of personal experience and industry expertise, making this episode a must-listen for anyone interested in the intersection of technology, sustainability, and urban planning.Miko delves into the evolving bicycle industry across Europe, particularly in cycling-friendly cities like Copenhagen and Amsterdam, highlighting how innovations in cycling are not just about transportation, but also about fostering healthier, more sustainable cities. Join us on Things Have Changed Podcast as we explore how Vapaus is leading the global movement, with their unique approach to making cycling an accessible and attractive option for commuters.Learn New Ways to Improve the World of Work with the People and Performance PodcastWe provide insights into the skills needed to increase employee performance.Support the show

There is an alarming trend taking place in South America : the steady rise in obesity rates. Despite all the ads and talk about eating healthy, the truth is that getting  access to nutritious foods is still a struggle.In response to this growing health crisis, The Wild Foods has emerged as a game-changer. Our guest today is Patrick Hardy, the Chief Operating Officer of Wild Foods, is at the forefront of this revolution. Hailing from Chile, WildFoods is a consumer packaged goods company committed to disrupting the entire food and beverage industry by producing healthy and sustainable food products.Patrick takes us through Wild Foods' remarkable journey, sharing the CPG company's strategies that include:Focus not just on Healthy products but one that is easily accessible, delicious, and appealing to consumersLeveraging unique digital marketing and bold ad campaigns, to set itself apart in the competitive food industryGrowth to new markets like Mexico by adapting to local tastes and regulations.Join us on the Things Have Changed Podcast to hear from Patrick Hardy and find out how Wild Foods is making healthy eating fun and doable, turning things around in a world full of processed food, and setting new standards for what's on our plates.Helpful links:Patrick Hardy, COO The Wild FoodsThe Wild Foods WebsiteUS website — https://thewildprotein.com/Supermarkets pushing junk foodObesity in South AmericaAbout Wild Foods:Wild Foods is a healthy food company focused on developing tech-enabled products with the aim of disrupting the Food & Beverages (F&B) industry in Latin America. They have developed a portfolio of +200 SKUs that has allowed them to capture +30% of the market share in Chile in the bars category, on-top of multinational incumbents such as Kellogs, Pepsico, Nutresa, among others. They have a business model based on innovation in product development, digital brand building, digital marketing, technology and talent acquisition. Wild Foods has built a strong, profitable, high-growth business that has experienced 2-3x yoy growth for the past five years with consistently positive EBITDA. Wild Foods continues with its growth and international expansion plans with presence in Chile, Mexico, USA, Colombia and Peru.Life's 3 Things - Author Manny Garcia's Podcast5-minute happiness advice, translated from history's greatest books and wisest sages.Listen on: Apple Podcasts SpotifySupport the show

Join us on a captivating journey to the heart of the Middle East as we unravel the extraordinary transformation of Dubai. In this episode, we delve deep into the city's meteoric rise from a regional trading post reliant on oil to a buzzing global hub for investment, tourism, and technology. Discover how Dubai's strategic diversification efforts led to an economy where oil now contributes less than 1% to its GDP, a stark contrast to the 50% it once commanded. We'll explore the pivotal roles of initiatives like the Jebel Ali Free Zone Authority, which revolutionized trade, and examine how Dubai's strategic location and business-friendly policies catapulted it into a major player in global finance. This episode is not just about economic growth; it's a story of vision, innovation, and ambition. Tune in to see how Dubai emerged as the tech hub of the Arab world, setting a new standard for urban transformation and development.Helpful Links:https://www.brookings.edu/articles/what-the-united-arab-emirates-can-teach-resource-rich-countries-in-africa/https://www.wsj.com/articles/dubai-emerges-as-tech-hub-of-the-arab-world-11646568001https://web.archive.org/web/20180317113009/https://www.bloomberg.com/view/articles/2018-01-14/dubai-s-the-very-model-of-a-modern-mideast-economyhttps://www.investmentmonitor.ai/features/where-are-the-global-islamic-finance-hubs/https://abcnews.go.com/International/wireStory/dubais-stock-market-hits-8-year-high-lifted-101519465https://www.youtube.com/watch?v=oc5tHbEK0IQSupport the show

Tech Journey Time Capsule:From the nostalgic dial-up buzz to today's quick digital clicks, this section reflects on the monumental moments and stories shaping our tech-dominated world. Remember when social media was just media? The series takes a nostalgic look back while connecting the dots to our present-day digital reality.The GPS Revolution:Think back to a time when handwritten directions were the norm and getting lost was part of the journey. Now, a $100 billion satellite system ensures we rarely stray off course. This section highlights the immeasurable impact of GPS on modern society, how it's transformed everything from aviation to social media, and shines a light on unsung heroes like Gladys West.From Space Exploration to Personal Navigation:The global positioning system, or GPS, didn't just pop into existence. This segment delves into the history, starting with the Vanguard satellite launch in 1958 and continuing through groundbreaking innovations driven by pioneers like Dr. Ivan Getting and Roger L Easton. Get the lowdown on how the U.S. Navy's celestial ambitions became the silent, guiding force we rely on today.GPS: Beyond Just Location:More than just a map in your pocket, GPS impacts numerous industries, from agriculture to construction. This segment emphasizes the omnipresence of GPS in modern society and its pivotal role in reshaping various sectors. It also touches on how foundational models, like the one created by Dr. Gladys West, play a crucial role in its accuracy.The Socio-Economic Ripple Effect:GPS isn't just about technology; it's big business. This section breaks down its economic impact, revealing how it contributes a whopping $100 billion annually to the American economy. Additionally, with its integration into over 70% of smartphones by 2010, discover how GPS reshaped daily life, social interactions, and modern conveniences.The Future of GPS and Its Broadening Horizons:GPS has come a long way, but where is it headed? From safeguarding lost devices to its pivotal role during events like COVID, this segment delves into its future potential. As we speculate about upcoming innovations and the balance of security with accessibility, one thing's clear: the journey of GPS and its possibilities is far from over.Sign Off with a Thought:End your tech journey with a nod to the endless possibilities ahead. With all the advanced tools at our disposal, the path of discovery remains infinite. Whether it's in the real world or the digital realm, the question persists: Where will you navigate next? Safe travels!Support the show

Imagine compressing a decade of research into mere weeks or turning a failure rate of 90% in clinical drug development on its head. That's exactly what's on the horizon with the incorporation of artificial intelligence (AI) in the realm of drug discovery, and the person leading this charge is none other than Dr. Max Jakobs, CEO and co-founder of DeepMirror. Prepare to be blown away as we navigate the potential AI holds for revolutionizing healthcare, making it possible to sift through massive datasets with unprecedented speed and accuracy.In our exciting conversation with Dr. Jakobs, we dig into the gritty realities of drug discovery in its current state and the formidable issues researchers face without the aid of AI algorithms. Get ready to discover how AI not only hastens the drug-to-market journey but also boosts the clinical hit rates, saving ample time and a fortune in the process. Plus, we probe into the daunting challenge of FDA approval and how DeepMirror is working to dismantle the bias inherent in traditional drug development.To conclude, we delve into the groundbreaking advancements in small molecule drug discovery and how cloud-based AI is honing laboratory processes. Dr. Jakobs illustrates how DeepMirror is utilizing AI to unearth the most promising drug candidates more efficiently. We bring to light riveting customer success stories and the promising future that lies ahead with AI-based data analysis in the pharmaceutical industry. Brace yourselves for a riveting exploration of AI's impact on drug discovery and healthcare.Support the show

Are you prepared for the future? What if we told you that philosophers will play a key role in it? We had a fascinating conversation with the brilliant Dr. Seth Benzel, a Digital Economist from MIT and Assistant Professor at Chapman University. He shared his insights about the transformation of job market landscape, the rise of new types of jobs, and the profound impact of AI on jobs and productivity. We explored how universities are stepping up, investing in STEM education, and how they can play a pivotal role in reducing inequalities and stimulating growth. Ever heard of luxury jobs, last mile jobs, or new tech jobs? These are part of David Autor's taxonomy of future jobs and they're not as far away as you might think. We also delved into the increasing wealth of the top 3% and the subsequent rise in demand for luxury services. What does this mean for you? Well, we chatted about the importance of teaching philosophy in universities and striking a balance between STEM skills and interpersonal skills. We rounded out our conversation by discussing the increasing compensation for leadership and cooperative jobs. Ready to equip yourself with the right skills to remain competitive in the modern job market? Then you don't want to miss this episode!Support the show

Ever wondered how a nation transforms from a war-torn past to a thriving economic powerhouse? Prepare to be enlightened as we journey through Vietnam's economic renaissance, examining how it has maneuvered through technological advancements and strategic alliances to secure its spot as a key player in global trade. This Asian tiger, now a manufacturing hub, churns out everything from shoes to high-tech products, leveraging the power of the internet, cell phones, the cloud, and data.But that's not all. We're also illuminating the electric vehicle pathway, specifically charting the bold strides of Vietnamese EV company, VINFest. This ambitious start-up is not only navigating the tempestuous waters of the EV industry but also presenting a unique business model that could disrupt the market. Then we're taking a flight to Africa, where we'll scout out Nigeria's burgeoning economy and tech landscape, exploring how this resource-rich nation could be the harbinger of what's to come for emerging economies. So buckle up, as we tackle the pulsating interplay of trade, geopolitics, and technology that's reshaping the global economic map.IntroductionIf you're listening to this podcast on a smart phone, there is a good chance that you are looking at a device that was made in Vietnam! Mobile phones are Vietnam's number one export, generating export revenues of more than $45 billion in 2017. While global trade has stagnated, Vietnam's trade has soared to 190 percent of GDP in 2017 from 70 percent in 2007!So how did Vietnam emerge as a juggernaut in manufacturing? On this episode of Things Have Changed Podcast, we spotlight Vietnam and how the country has anchored itself as a critical global trade partner in Asia and painting a fresh narrative of prosperity in this era of Slowbalization. Dive with us into the heart of Vietnam's economic renaissance!Links:Joe Biden's Visit to Hanoi is a signal to ChinaWhy are Vietnam's schools so good?Vietnam is emerging as a winner from the era of deglobalisationVietnams Richest Man wants to sell EV's to AmericaSupport the show

Ready to embark on an enlightening journey exploring the economic evolution of Brazil? Strap in as we navigate through dramatic GDP growth, a thriving digital revolution, and Brazil's robust role in global agriculture and natural resources. This intriguing exploration uncovers the shifting landscape of globalization and how Brazil, as part of the BRICSA coalition, is carving its own path towards becoming a top five economy.As we traverse through Brazil's economic terrain, we'll cast a spotlight on its burgeoning agricultural exports and reliance on the same. We'll also examine how the Covid-19 pandemic has impacted its economic momentum while highlighting the significance of monetary policy, past inflation hurdles, and the current favorable trends fostering business growth. From there, we segue into Brazil's burgeoning tech space and the potential growth there, underscoring its sustainability initiatives.Lastly, we broaden our lens to capture the pulsating industries in Latin America, discussing the EU-Mercosur trade pact and its economic implications. We'll touch upon the rising tech companies in Brazil and the immense benefits of regional partnerships within Latin America. Together, we'll dissect the need for sustainable leadership in Brazil and the broader region, and Brazil's role in global economics amidst the challenges of the Covid-19 pandemic. Be prepared for an informative journey that dissects Brazil's economic strategies and its resilience in weathering global economic storms. So, are you ready to explore Brazil's exciting role in globalization and economics? Because we're ready to take you there. Join us in this enlightening journey of discovery and insight, as we navigate the fascinating economic landscape of Brazil.Venturing into Fashion TechExploring the convergence of fashion tech, entrepreneurship, and fashion business. Listen on: Apple Podcasts SpotifySupport the show

In the past few decades, it's been like watching the world shrink right in front of us. Globalization has turned our planet into this super connected place where everything's buzzing. Borders? They've become kinda blurry. Businesses? Oh man, they're popping up all over the globe. And tech? Well, it's like the ultimate game-changer, making even the most remote spots possible market hotspots.But winds of change are blowing once again. Enter: Slowbalization. While it might sound like we're hitting the brakes, it's a bit more complicated than that. Countries are revisiting the whole global trade angle thanks to the volatile past few years we've witnessed - from rising trade tensions, evolving geopolitics, and supply chain crises driven by COVID. We're moving from that whole worldwide party mode to a chill regional hangout scene.In this series on Things Have Changed Podcast, we're going to unravel the layers behind this shift. Specifically, Mexico is emerging as a standout beneficiary, as US companies aim to divest from China and invest closer to home!Amidst the intricacies of Slowbalization, Mexico emerges as a standout beneficiary. As the whirlwind of global trade cools and countries seek more regional, strategic partnerships, Mexico's geographical proximity to the US and robust trade agreements place it at a pivotal position.As companies reevaluate supply chains and lean towards nearshoring, Mexico's blend of competitive labor costs, established manufacturing prowess, and its strengthened ties with the U.S. through agreements like the USMCA, makes it a beacon for businesses looking for agility and resilience in this new economic landscape. In essence, Slowbalization is opening doors for Mexico that globalization merely hinted at.Helpful Links:https://www.morganstanley.com/ideas/mexico-nearshoring-gdp-growthhttps://www.wsj.com/articles/mexicos-industrial-hubs-grow-as-part-of-trade-shift-toward-nearshoring-11675257070https://www.wsj.com/articles/how-u-s-and-china-are-breaking-up-in-charts-282bd878?mod=Searchresults_pos5&page=1https://www.bloomberg.com/news/newsletters/2023-06-28/supply-chain-latest-us-nearshoring-proof-grows-as-mexico-exports-jump?in_source=embedded-checkout-banner#xj4y7vzkgDisclaimer: The information and opinions expressed in this episode are for informational purposes only and are not intended as financial, investment, or professional advice. Always consult with a qualified professional before making any decisions based on the content provided. Neither the podcast nor its creators are responsible for any actions taken as a result of listening to this episode.Support the show

Imagine navigating the often-complex world of equity management with ease. Picture illuminating the path to growth opportunities that you were previously oblivious to. That's exactly what our guest, Peter Walker, head of insights at CARTA, is here to discuss. CARTA is reshaping equity management and providing invaluable insights to companies like Slack, Coinbase, and Robinhood, enabling them to focus on their core mission - building their company. Peter stresses the importance of a clear cap table for investors and how CARTA is revolutionizing this process. Ever wondered how first-time founders transform into second-time founders, and in the process, create more owners in the ecosystem? CARTA's insights can guide you on this journey. Peter shares how CARTA's cross-functional collaborations between data and marketing teams make their data more valuable for the ecosystem. CARTA's mission to become the infrastructure for startups, and its data-driven approach, is indeed intriguing and holds immense potential for entrepreneurs.Lastly, we delve into Peter's exciting journey in DataViz and CARTA's bold moves in the VC and liquidity space. He reveals the importance of tooling and iteration in data storytelling and how companies can optimize their buying process. We also discuss trends in startup valuations, employee options and their implications on company acquisitions. CARTA's role in educating employees on equity management and making informed financial decisions is also brought to light. It's a captivating discussion you don't want to miss. Hop in for an enlightening conversation on the future of equity management.Support the show

On our previous episode, we spoke about the Buy Now Pay Later industry and the players that rode the pandemic to all time highs! But what we didn't talk about was the chaos that ensued post covid!..Affirm's stock price dropped over 90% since November 2021, AfterPay fell more than 80%, and Klarna saw a decline of over 70%.So what's behind this turbulence? Rising interest rates, inflation concerns, and worries about consumer debt have left investors scratching their heads. But don't worry, we're here to make sense of it all!In this episode, we'll explore the challenges facing the BNPL industry and how it's adapting to the economic storm. We'll also discuss the importance of responsible spending and share some tips to ensure you're making informed decisions when using BNPL services.Regulatory Scrutiny. BNPL is a relatively new product, and there is no clear regulatory framework for it. This has led to concerns about consumer protection and financial stability. Some BNPL companies have been fined for violating regulations. For example, in 2022, the Financial Conduct Authority (FCA) in the United Kingdom fined Klarna £39 million for failing to adequately assess the affordability of its products to consumers. The FCA also fined Clearpay £20 million for similar reasons.Helpful LinksSupport the show

Imagine this: you're browsing through an online store, eyeing that perfect item you've had your heart set on like the new iPhone 15 or a brand new Leather Couch to pass out on. In today's world, you can bring it home today and pay later, without the hassle of upfront payments or credit checks. It's like having a financial genie granting your wishes! It's called “Buy Now, Pay Later” or BNPL.This new form of payment, BNPL aims to disrupt traditional credit cards, by helping customers indulge in that must-have item and spread the cost over manageable installments. So this idea has spawned some billion-dollar businesses, but is it all sunshine and rainbows?Join us on "Things Have Changed Podcast" as we delve into the stories of how this new wave in finance is changing the way you shop online.Links:Klarna, a Swedish payments unicorn, wants to conquer AmericaWhat is Buy Now Pay LaterSome Buy Now Pay Later Users Face RejectionHere are some Companies in the space:Afterpay - The Rebellious TrendsetterThe trailblazer in the BNPL industry, boasting over 16 million users in 17 countries and processed over $12.7 billion in transactions in 2021Origin Story: Delve into the audacious tale of Afterpay's founding in 2014 by Nick Molnar and Anthony Eisen, who started the company with just two employees and transformed it into a global phenomenon with a market capitalization exceeding $37 billion.The Fashion Forward Movement: Explore Afterpay's success in partnering with over 86,000 global retailers, including industry giants like Sephora and Urban Outfitters, attracting millions of fashion-forward users who account for a significant portion of the company's average of 14 million monthly active users.Customers often leverage Afterpay to splurge on trendy clothing, shoes, and accessories, allowing them to stay on top of the latest fashion trends without breaking the bank. It's also popular for beauty and grooming products, allowing individuals to pamper themselves with skincare essentials, cosmetics, and hair care items.Revolutionizing the FinTech Landscape: Witness how Afterpay's unique approach to responsible spending has led to over 98% of its transactions being interest-free, providing users with a convenient and transparent payment option that challenges the conventional credit card model.Klarna - The Quirky ScandinavianKlarna serves over 250,000 retailers and has amassed more than 140 million users in 45 countries and processed over $15.8 billion in transactions in 2021Scandinavian Influence: Discover how Klarna's Scandinavian heritage, led by CEO Sebastian Siemiatkowski, has propelled the company to process an average of 1 million transactions per day, with a transaction volume surpassing $53 billion in 2022.From Frustration to Innovation: Uncover the story behind Klarna's inception in 2005, when Sebastian Siemiatkowski, Niklas Adalberth, and Victor Jacobsson set out to simplify online checkouts. Today, Klarna's innovative solutions drive customer satisfaction, resulting in a net promoter score higher than the industry average.Customers frequently utilize Klarna for purchasing electronics, gadgets, and home appliances. Klarna also appeals to those seeking furniture and home decor items, enabling them to revamp their living spaces with ease. Additionally, Klarna's "try before you buy" feature makes it popular for trying Support the show

In today's episode, we delve into the remarkable story of how JP Morgan Chase became the largest bank in the world. From its humble beginnings to its rise as a global financial powerhouse, we'll uncover the key milestones, strategic decisions, and factors that propelled this iconic institution to its prominent position in the banking industry. Join us as we explore the vision, innovation, and determination that shaped the legacy of JP Morgan Chase.JP Morgan Chase's journey begins in the late 19th century when a visionary named John Pierpont Morgan, known as J.P. Morgan, laid the foundation for what would become an influential banking empire. Through his shrewd business acumen and deep understanding of finance, J.P. Morgan navigated the rapidly changing landscape of the industrial revolution, capitalizing on opportunities that propelled him to the forefront of the financial world.Throughout its history, JP Morgan Chase has demonstrated its ability to adapt and evolve, solidifying its position as a leader in the industry. From strategic acquisitions and partnerships to technological innovation and a relentless commitment to exceptional service, the bank has consistently stayed ahead of the curve.JP Morgan Chase played a pivotal role in the face of economic crises, such as the financial downturn of 2008, and how the institution's resilience and prudent risk management helped it emerge stronger than ever before.So, sit back, relax, and get ready to embark on an enlightening journey through the history, triumphs, and continued success of JP Morgan Chase. Helpful Links:Viva Wallet AcquisitionBattle of ScaleWhat is Bear worth?Support the show

In today's episode of Things Have Changed podcast we explore the world of tech companies invading the finance industry.That's right, so let's talk about Apple, the tech giant that's not satisfied with just dominating the smartphone market. No, no, no. Apple decided to dive headfirst into the finance industry, and boy did they make a splash. With Apple Pay, you can now buy a coffee, a burrito, or even a new pair of sneakers with just a flick of your wrist. It's like magic, except it's technology.But what's even crazier is how successful it's become. Some people even say that using Apple Pay is easier than trying to navigate the maze that is your bank's mobile app. And who can blame them? With Apple Pay, you don't need to remember your pin, your password, or even your mother's maiden name. All you need is your iPhone and a few taps, and voila, you've just made a purchase.The Worlds most valuable company has its own Credit Card, is providing Loans, and even just announced a Savings Account! Is this the start of the tech domination within finance as well? Tune in!Helpful Links:Apple and Goldman Sachs Launching Credit Card - 2019Apple Should Shrink its Finance Arm before it goes Bananas - 2017Big Tech pushes further into Finance - 2022Why APples Partnership with Goldman is the future of Banking - 2023Apple is a Hedgefund that makes iPhones - 2018Watchdogs take a swipe at Apple Pay - 2022Apple Pay and Taking over your Wallet - 2022Apple Pay Fees Vex Credit Card Issuers - 2021Goldmans Subprime Problem - 2022Apples Buy Now Pay Later Roll-out - 2023Support the show

Starting and scaling a successful startup has never been easy, but in today's climate, it's more challenging than ever. With recent events, such as the collapse of SVB and the slowdown in venture capital, access to funding and resources has become increasingly difficult. For startups to survive, they must have access to the right support and resources. That's where Microsoft for Startups comes in, providing startups with a unique approach to help early-stage companies succeed.In this episode of the Things Have Changed Podcast, On today's episode, we'll dive into how Microsoft for Startups is helping early-stage companies overcome the challenges of building and scaling their businesses. Microsoft is a new player in the startup accelerator game, but the company has a rich history as a startup itself. They started from humble beginnings in the 70s, with just two employees, and now they're a tech giant with a market cap of over $2 trillion.With Microsoft for Startups, the company is making a significant investment in the startup space. Their unique approach is designed to help early-stage companies succeed by providing access to Microsoft resources, technology, and expertise. Joining us on this episode is Lahini Arunachalam, Senior Director of Platform & Growth at Microsoft for Startups. Lahini has spent a lot of time solving problems for startups and is a leader in Microsoft's efforts to invest in the startup space.Whether you're a startup founder looking for guidance, an investor interested in the latest trends and innovations, or simply curious about the world of entrepreneurship, this episode is for you. So stay tuned as we dive into the challenges facing startups, the importance of startup accelerators, and how Microsoft for Startups is helping early-stage companies scale.Helpful Links:TechCrunch Article on How Microsoft For Startups can HelpMicrosoft for Startup adds LInkedin BenefitsMicrosoft for Startups WebsiteMicrosoft for Startups LaunchHungry for Cloud Credits?Microsoft for Startups in the Middle EastAWS vs Azure vs GoogleMicrosoft Revamps with OpenAISupport the show

Every minute, 990,000 Tinder profiles are swiped, 156 million emails are sent, and 16 million text messages are sent out.Moreover, Google processes 40,000 searches a second and 1.4 billion people log into Facebook every day.We live in a digital economy, and it runs on data!Just think about it, every time you check your Instagram or Twitter feed, Google a new recipe, or search the web for the latest sneaker drop, you are providing tons of data that companies can then leverage to sell you personalized ads, which equals big money. The digital ad revenue business is a whopping $200 billion industry thanks to our generous data contributions.Our guest today is Nicholas Vincent, a post-doc researcher at Northwestern University, who is studying this very interaction between technology and social behavior. Nick is leading the charge to balance the scales between data providers (us) and data brokers (the personal data industry).Nick puts forward the concept: "What if those organizations profiting from your data had to pay you a share of that earning?" These data dividends have been getting a lot of traction, with presidential candidate Andrew Yang launching the Data Dividend Project, which is pushing tech companies to pay users for their data.Additionally, Nick and colleague Hanlin Li are suggesting new ways to address the power imbalance:

Governments are going BIG on batteries! As the world transitions towards cleaner energy sources, Governments have recognized the importance of securing battery supply chains in the transition towards a more sustainable future!Some of the biggest government spending packages on battery production incentives include:The US Department of Energy's Advanced Technology Vehicles Manufacturing (ATVM) loan program, which provides up to $25 billion in loan guarantees to support the development and production of fuel-efficient vehicles and related components, including batteries.The European Union's Horizon 2020 program, which includes funding for research and development of batteries and related technologies as part of its Clean Energy for All Europeans package.China's National New Energy Vehicle Industry Development Plan, which includes significant government subsidies and incentives for the development and production of electric vehicles and batteries.The UK's Faraday Battery Challenge, which includes £274 million in government funding to support the development of battery technology and promote the growth of the UK's battery manufacturing sector.South Korea's Electric Vehicle Battery Industry Cultivation Plan, which includes government funding and support for the development of the country's electric vehicle and battery manufacturing industries.These government spending packages reflect a growing global commitment to supporting the development and production of battery technology, which is seen as essential for achieving a more sustainable future. By providing incentives and funding for battery technology research and development, these packages are helping to drive innovation and accelerate the adoption of clean energy technologies.In Ep 2 with Gavin White, Co-Founder and CEO of About: Energy, we explore the various initiatives and policies implemented by countries to encourage the production of batteries.So whether you're interested in clean energy, electric vehicles, or the future of sustainability, this episode is for you! So, let's dive in!Helpful Links:https://www.technologyreview.com/2022/10/20/1062000/billions-in-funding-could-kick-start-the-us-battery-materials-industry/2022 was a record year for EV battery factories in the U.S. - NPRCATL plans Europe's biggest battery gigafactory - C&ENSupport the show

It seems like every electronic device these days involves some type of battery - your phone, your laptop, and even your CAR! We had another year of SuperBowls boasting new EV production cars from traditional manufacturers like GM, Honda, and Hyundai. The consumers have spoken and the demand for EV's cannot be stopped!But what's taking so long to get to an electrified future? Have you ever wondered why it's so hard to create battery technology? Traditionally, battery research has been a slow and expensive process, with many iterations of trial and error required to find the optimal combination of materials and design. About:Energy aims to change this!Today, on Things Have Changed, we chat with Gavin White, Co-Founder & CEO of About:Energy, revolutionizing the battery industry by building a software platform that helps researchers & institutions design and optimize batteries more efficiently.Gavin discusses in detail the process of building a battery tech company in the age of sustainability:

Transporting people and cargo across the globe is almost as old as time itself! With shipping accounting for 90% of World Trade, it was surprising for us to learn how outdated the industry is with regards to technology! The maritime industry is still very manual, and highly regulated making it a herculean task to even propose bringing about change! But COVID flipped this entire narrative! The pandemic revealed how fragile the global supply chains of essential items are. Shortages in medicines, lumber, to semiconductor chips and cars highlighted the weaknesses & risks in global trade!  Recent global challenges & conflicts have made supply-chain resilience a must-have for businesses across the world. The need for advanced technology to predict & adapt to sharp fluctuations between supply and demand is all the more essential! In today's episode we re-visit our discussion with Martin Verhaegen, Founder & CEO of Qwyk, a digital logistics platform, aimed at revolutionizing one of the oldest industries in the world. Since we recorded this conversation, the THC team was thrilled to hear that Qwyk's incredible cloud-based shipping platform was acquired by Magaya Corporation, the leading provider of logistics and supply chain automation software. Tune in to hear Martin's incredible vision, resilience and drive to digitize the Trillion dollar shipping industry!Support the show

In the past 2 years, inflation has been making headlines all over the world! To add to the higher grocery and utility bills, payments processing companies added on higher fees in 2022.Now, as an average consumer, you may not notice these increases so much! But small businesses, the backbone of the economy, is once-again feeling the squeeze. For a business, it's almost impossible to succeed in today's world without accepting Credit cards. Merchants hand over $138bn in fees each year; according to the National Retail Federation, it is their second-biggest cost after wages.So how is this impacting you as a consumer?Today on Things Have Changed, we dive into why your Credit Card is getting more expensive to use, and how those Swipe Fees are crippling small business owners.Helpful Links:Average Credit Card Processing FeesRetailers call out VISA and Mastercard for fee hikes that could make inflation worseCredit Card Marketshare in the USUnderstanding Credit Card Swipe FeesHow VISA became the TOP DOG in FinanceSupport the show

In the previous episodes, we've chatted about currencies and how cash was increasingly playing a smaller role, even in fast growing countries like China & India! The disruptor, that helped transition countries into cashless economies: Credit Cards and Debit Cards.In 2021, transactions on these plastic cards hit $6.7 TRILLION USD. Like many other technology industries, COVID helped accelerate the shift from cash to cashless. For the average American, more than half of their transactions were done using a credit or debit card!My first thought on the largest benefactor is the banking industry but there is an even larger player in this field that caught our attention… Payment processing companies like VISA surpassed JP Morgan Chase as the biggest financial services company in America in 2020, boasting operating margins of up to 65%.Today, on Things Have Changed, we're going to tackle a question of: How did VISA become the most valuable payment card company in the world?Helpful Links:Average Credit Card Processing FeesRetailers call out VISA and Mastercard for fee hikes that could make inflation worseCredit Card Marketshare in the USUnderstanding Credit Card Swipe FeesHow VISA became the TOP DOG in FinanceCan the Visa-Mastercard duopoly be broken?As merchants complain of Visa's high swipe fees, experts weigh in on the company's role in the retail marketHow Visa Makes MoneySupport the show

Technology is changing finance in developing countries. The Pandemic turbocharged it. With a staggering 650 million Internet users, India has been one of the biggest winners of digitization and by some degree!Just a decade ago, India's millions of small business owners used only cash to transact. Now they use phones. This has been nothing short of a financial revolution, as Mobile payments, powered by a technology called the UPI, have more than doubled to a staggering $1 trillion in 2021 from the year before!Similar accounts of financial transformations across the globe have taken decades! So how did India's cash heavy economy manage to turn, in the matter of years, to a more inclusive digital economy from the bottom up?The Indian digital payments story is one of success when it comes to financial inclusion and immense growth. It's been so successful, Google had suggested our own Federal Reserve adopt something similar - so we'll hear a lot more about FedNow in 2023, something that will be our version of UPI. Although UPI has brought financial inclusion to India, it also opens the door for an extra level of control of the government, which has a whole new set of risks for an institution with access to, in the future, 1.2B peoples biometric information.This has been really fun to learn about the Indian story of Financial inclusion and we hope to see initiatives like this grow around the world to reduce friction in transacting! Until next time, stay curious!Helpful Links:UPI supercharged mobile payments in India. It's now gearing up for next phase of growthIndians living in the US, UK, and Gulf can now use UPI - QuartzFintech: India's UPI is beating blockchain in the paymentsUPI, the Made-in-India Payments System, is Rocking Not .What is UPI?India is likely to be the world's fastest-growing big economy this yearIndia UPI WikiIndia Digital Payments Win PraiseIndias Digital PlatformsZero MDR the PriceSupport the show

The dollar tumbled to a nine-month low against the euro this past week, after data showed U.S. inflation was easing, prompting bets that the Federal Reserve will be less aggressive with rate hikes going forward. But this isn't new.. The greenback's share of global foreign-exchange reserves has extended a two-decade decline, but it's still used more than all other currencies combined. For decades, the dollar has been the worlds most important currency. You buy energy in dollars, you pay back debts in dollars, and most of world trade is done in dollars. This gives the United States a unique amount of influence which some countries acknowledge is a challenge. Recently, developing countries including Brazil, Russia, India & China have been steering away from the surging US Dollar, in their global transactions. China, the worlds biggest trading partner, could also start demanding “Yuan” for it's exports instead of dollars - I mean they're starting to do that already! BRICS (Brazil, Russia, Inida, China, and South Africa) recently hinted at a plan to “dethrone” the dollar. A system of trade between the countries that could reduce the importance of the dollar for more than 40% of the world population. The dollar will remain the worlds reserve currency for a while but as the United States sanction countries that do not align with its political agenda, it becomes increasingly clear that dollar dominance comes at the risk of US policy alignment. Will we see the US dollar become less relevant? So today, on Things Have Changed, we're going to talk about the US Dollar declines, why the rest of the world celebrates when this happens & the possibility of the US Dollar becoming less dominant as new contenders around the globe emerge! Support the show

Two months ago, the British government released a “Growth Plan” that talked about tax cuts worth about $45B. That led to a series of events that culminated in Lis Truss going into the history books as the shortest-termed Prime Minister in the UK.Things are not looking good for the UK economy, with interest rate hikes and soaring inflation! Add to that the Sterling PoundSpecifically, Sterling Pound has fallen against the dollar by around 20% since the start of the year and inflation is at 9.3% as of November 2022. So - How did this happen?Today on Things Have Changed Podcast, we're going to talk about how the pound sterling is getting POUNDED! Tune in.Helpful Links:The pound is plumbing near-historical depths. Why?Britains Chancellor Offers up a Reckless Budget, Fiscally and Politically[UK Data on Inflation](https://www.ons.gov.uk/economy/inflationandpriceindices#:~:text=Consumer price inflation%2C UK%3A November 2022&text=On a monthly basis%2C CPIH,of 0.6%25 in November 2021.)A weaker pound does not spell disaster for BritainUK interest rates raised to highest level for 14 yearsHow to Invest a Million DollarsForbes Best Safe Haven InvestmentsSupport the show

In early 2021 the dollar was near its lowest level in more than five years against a broad basket of currenciesFast forward to July of 2022, the dollar reached parity with the euro for the first time since 2002! The dollar has been on a tear! climbing by around 20% over the past year against a basket of global currencies, and is at its highest level in 20 years.And this has been a wrecking ball to the global economy!Stock markets are bleeding, corporate bonds have been pummelled and crypto is dead!In this season of Things Have Changed Podcast, we're going to talk about Currencies. and today we're going to talk about how USD crushed foreign exchange markets!Helpful Links:Global rate rises are happening on an unprecedented scaleCentral Banks May Stoke Risks by Raising Interest Rates TogetherDollar-euro parity may be justified. But the yen looks cheap as chipsThe Dollar is Strong as Ever, Isn't it?Why the dollar is strong and why that is a problemWhat's behind the dollars strength?Things to buy when the dollar is strongSupport the show

During the pandemic, the way you've eaten has likely changed. Either you ate out less, you cooked more, or you wholeheartedly embraced food delivery such as DoorDash, Deliveroo, Grab, Swiggy or Zomato based on where you live.The Food Service industry was worth over $900B in 2021 just in North America and it's only getting bigger. It's also changing.. you may have experienced it already - with all sorts of new experiences, like food delivery, home chefs, and even robot-made food!As robots become more and more complex, the tasks they're able to complete is growing! Roomba's can clean your house, mow your lawn, The Da Vinci robot by Intuitive aids in surgeries and we haven't even touched on the scale of robotics in manufacturing industries.So what about a robot that makes you a meal?Today, on Things Have Changed, we chat with Rajagopal (Raja) Natarajan, CEO & Co-Founder of Xook, to talk about how his team are pioneering a different type of food experience which involves sophisticated robotics, software and some very delicious meals.One day soon, a robot will make you a salad. And it might just be a Xook machine

One of the highest consumers of electric power are data centers. According to the International Energy Agency (IEA), the data center industry, accounts for approximately 4% of global electricity consumption and 1% of global greenhouse gas emissions. To top it off, the carbon dioxide emissions of data centers are comparable to that of the aviation industry.The data center industry is responsible for more greenhouse gases than commercial flights  

Whether you're streaming "House of the Dragon" on HBO or just chatting with your friends on Whatsapp, both cause a chain reaction and use energy. Today nearly all the world's Internet traffic goes through data centers or DCs for short. and it all the crazy things we do on the internet from cloud computing, AI, self driving to streaming your favourite shows on Netflix.There are big costs to running these massive servers! These DCs, need a huuuuge amount of electricity to run their equipment and make the internet that we use possible. They also need a lot of it to keep the machines cool. Research shows that DCs consume close to 1% of the worlds electricity consumption!If DCs were a country, it would be the 3rd biggest electricity consuming nation, just behind the 2 biggest economies today in the US & China! And that is staggering! All those memes you share with your friends is consuming so much energy.In this episode, we continue our cloud series conversations with Bharath Ramakrishnan, Senior Thermal Engineer at Microsoft. Bharath understands the technology of data centers intimately and at the same time, is working to answer the question: “What's the best way to keep Data Centers ‘Cool'?”Support the show

As of 2022, approximately 95% of organizations are using cloud computing for their work and nearly 85% of companies have deployed their workload on cloud in 2021. Furthermore, with the rising usage of internet and mobile phones & laptops, digitization is flourishing rapidly.Cloud computing is clearly here to stay.. and it's still growing.. but what drives the cloud in the physical space?To continuously expand the capabilities and the capacity of the cloud, we need to build data centers.. and to build data centers.. we need semiconductors. This has been the core technology enabling us to build the future of the cloud. The leading principle of the semiconductor technology can be traced back to the 1960's into the empirical observation of Gordon Moore.Anything exponential in this world is typically paired with something called "Moore's Law".. Founder of Intel forecasted that the number of components on a chip would double every two years, roughly. That prediction really defined the trajectory of technology as we know it today and it's been a huge growth driver of our economy. A few years ago, leading economists credited the information technology made possible by integrated circuits with a third of US productivity growth since 1974. But as we know in this show, things ALWAYS change and they have.In this episode, we explore the validity of Moore's law for the foreseeable future and we also speak with an expert in the space of preparing for that inevitable future, Bharath RamakrishnanHere are some cool links to read up on:Why Liquid Cooling May Soon Be the Hottest Thing in Thermal ManagementCost-Efficient CoolingLiquid Cooling Options for Data CentersThe 5 Best Liquid Cooled Gaming PC in 2022Support the show

Hey THC Listeners! Jed has had a family emergency come up and had to fly to the Philippines to take care of family.As a result we at THC are taking a short break and we'll have an impressive lineup of  of guests for our awesome listeners when we're back. So stay tuned, as you'll be treated with an incredible pipeline, of ideas and conversation about the ever-changing digital economy right here starting October 25th.   Farewell for now but hey... stay curious!Support the show

It's happening. AWS is no longer the only cloud heavyweight doing business with the US Government. Azure has recently signed a $10 Billion deal with the DoD.Gartner reports that AWS is still a better product than most competitors, in terms of what they offer and the quality! But some ask if it's fair that the DoD is only doing business with Amazon, a representation of perpetuating the monopoly Amazon is clinging onto. Amazon and Oracle both raised questions about “political interference”.Microsoft's resurgence has been nothing short of extraordinary! With almost a year and a half of revenues more than 30% of AWS', has Microsoft officially trumped Amazon in Cloud? And don't forget Google, the small fish in this race aggressively ramping up in high growth markets like India & South East Asia.If you're curious about how the Cloud Wars are pitting the biggest tech companies against each other, tune in!Some helpful links:Monopoly to DuopolyAmazon LawsuitMicrosoft Come-Back with AzureBig Tech BattleGroundGovernments Erecting Borders for DataBattle for Cloud DominanceCloud MarketshareSupport the show

IBM, Google, Microsoft, and Amazon are all taking the helm for the cloud renaissance. Gartner says that in 2021, spending on public cloud services could go over $330B. All types of industries and even GOVERNMENTS are moving their infrastructure and technology to the cloud.There is tremendous opportunity to build on the infrastructure of the cloud. AWS has been the clear winner for a while now, spanning almost 14 years, the margins and scale are unlike any other business in the world, and those incredible margins are attracting some pretty big fish like Microsoft and Google.  If you've ever wondered how you're able to watch Netflix or hail a cab through Lyft with a click of a button, you are basically using the cloud. So ‘What is the cloud?' Join us as we make sense of the highly-coveted industry!Stories and Strategies for Public RelationsCommunication is in every facet of our daily business.Listen on: Apple Podcasts SpotifySupport the show

Happy Labor Day Weekend for our American listeners! We hope you have a long and restful weekend!We're revisiting some of our episode favorites - and for this week - we're doing the gaming industry!In the last decade, the gaming industry has been smashing Hollywood's earnings out of the park! Just in 2021, the Global “Games Market” had a whopping $180BN in revenue. In fact, Gaming is bigger than Hollywood and the music industry combined.Top games are earning more than the big blockbusters. The top sellers include Grand Theft Auto V, Red Dead Redemption Two, Fall Out 4 and the Call of Duty franchise. Looking into the numbers... The Grand Theft Auto V game has raked in more than $6BN, according to Marketwatch. Compare that to Avatar, the highest grossing movie ever at $2.8BN.As a result, Video game companies have become hot commodities and @thingshavechangedpod we break down the feeding frenzy that has taken over the gaming industry!Links:Gaming Makes More Money than Movies!Gaming is the new Big Tech battlegroundMicrosoft, Sony acquisitions are just the start of massive video game industry consolidationSupport the show

We're revisiting some of our favorite deep dives with industry experts from past episodes.A global transition to clean energy is underway.  What technologies will be essential to this zero emission future?Well, Battery costs have decreased significantly - Lithium battery costs have fallen by a STAGGERING 98% in 3 decades! All the growth and investments in renewable electricity are starting to add up, and now the battery industry is moving at a breathtaking pace. We speak to Nicholas Yiu and Yen Yeh, two of the most credible voices within the climate tech space.Recently, Nick and Yen, through their organizations  Intercalation and BatteryBits (Volta Foundation) have published the 2021 Battery Report, which is an accessible overview of the latest battery research, policy and business landscape.It's a phenomenal piece of work from our brilliant guests, and we at Things Have Changed, highly recommend it.Support the show

THC Turns 2 

Since the start of the pandemic, there has been one app that has taken over Social Media. Tiktok is the most downloaded app in the App store & despite being the new kid on the block, the Chinese company is breaking records that the incumbents could only dream of.From launch to a billion users, Tiktok only took half the time that Facebook did to get there. It's insane!The company has proven that it can grab attention like no other social media company - But can it also win the advertising dollars that make Facebook and Instagram the 100 billion dollar behemoths they are today?3 Ways Tiktok is Changing the Business Model in America: Advertising: inviting brands to work with creators to make potentially viral content, such as skateboarders swigging Ocean Spray juice to the sound of Fleetwood Mac.E-Commerce: TikTok now enables viewers to buy goods directly by tapping a shopping tab on a video. It has teamed up with Shopify, an e-commerce platform, to bring more merchants to the siteSocial Commerce (Way bigger in China - Douyin kills this game)Ticketmaster and Tiktok partnerCreator Economy Growth: Tiktok's seven highest-paid stars earned a total of $55.5M from work on and off the platform last year (Triple the sum it counted in 2020). This boosts incentives to create fresh content!Today, on Things Have Changed - we're going to explore how TikTok has become the TV for Gen Z and as a result eating the rest of social media.Stay Tuned!Important Links:Kids Spending More on Tiktok than YouTubeTikTok Grabs More Ad Dollars, as Marketers Look to Attract Gen Z and MillennialsPersonal Finance is a Hit on TiktokTiktoks Rapid Growth Shows the Potency of VideoTiktok Isn't Silly It's SeriousSocial Media Briefing - The Economist (All-Conquering Quaver)Tiktok Bursts the ZuckerbubbleTiktok Overtaking Facebook in Influencer Marketing Spend this Year, Youtube by 2024Support the show