Capacity development Archives | Page 81 of 295

Ripple transforms cross-border payments with XRP

Cross-border payments have long struggled with delays and high costs, but networks like SWIFT could be transformed by systems that leverage blockchain. Ripple, launched by Ripple Labs in 2012, enables faster, more transparent, and cost-effective international transfers.

RippleNet, the company’s unified payment network, connects multiple banks via the interledger standard, removing intermediaries and enabling near-instant settlement. XRP, Ripple’s digital token, acts as a bridge currency to provide liquidity, though transactions can occur without it.

XRP boasts low fees, high scalability, and settlement times of just a few seconds.

Since its creation, Ripple has evolved from individual protocols to the unified RippleNet platform, supported by the XRPL Foundation. Unlike Bitcoin, XRP is premined and relies on a select group of validators, offering a different governance model and centralisation approach.

The network also supports broader financial applications, including central bank digital currencies, DeFi, and NFTs.

Despite its potential, investing in Ripple carries risks typical of crypto assets, including volatility, lack of regulation, and complexity. Investors are advised to research thoroughly and limit high-risk exposure to ensure a diversified portfolio.

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Mac users lose ChatGPT voice access in 2026

OpenAI has confirmed that Voice interactions will stop working in the ChatGPT macOS app as of 15 January 2026, affecting users who rely on spoken conversations instead of typing.

The company states that the change is part of a broader effort to streamline voice experiences across its platforms.

Currently, the Mac app allows hands-free, real-time conversations with ChatGPT. After the deadline, voice functionality will remain accessible through chatgpt.com, as well as on iOS, Android, and the Windows app. OpenAI stresses that no other macOS features will be removed.

According to OpenAI, recent updates have already brought Voice mode closer to standard chat interactions on mobile and the web, allowing users to review earlier messages and engage with visual content while speaking.

The company has suggested that the existing macOS Voice feature may not support its next-generation approach.

Mac users will be able to continue using Voice mode until mid-January 2026. After this date, voice-based interactions will require switching to other supported platforms until a potential macOS update is introduced.

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Civil servants and AI will work together in 2050

Public administrations worldwide are facing unprecedented change as AI reshapes automation, procurement, and decision-making. Governments must stay flexible, open, and resilient, preparing for multiple futures with foresight, continuous learning, and adaptability.

During World Futures Day, experts from the SPARK-AI Alliance and representatives from governments, academia, and the private sector explored four potential scenarios for public service in 2050.

Scenarios ranged from human-centred administrations that reinforce trust, to algorithmic bureaucracies focused on oversight, agentic administrations with semi-autonomous AI actors, and data-eroded futures that require renewed governance of poor-quality data.

Key insights highlighted the growing importance of anticipatory capacity, positioning AI as a ‘co-worker’ rather than a replacement, and emphasising the need to safeguard public trust.

Civil servants will increasingly focus on ethical reasoning, interpretation of automated processes, and cross-disciplinary collaboration, supported by robust accountability and transparent data governance.

The SPARK-AI Alliance has launched a Working Group on the Future of Work in the Public Sector to help governments anticipate and prepare for change. Its focus will be on building resilient public administrations, evolving civil-service roles, and maintaining trust in AI-enabled governance.

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TSA introduces a fee for travellers without ID

From 1 February, the US Transportation Security Administration will charge a $45 fee to travellers who arrive at airports without a valid form of identification, such as a REAL ID or passport.

A measure that is linked to the rollout of a new alternative identity verification system designed to modernise security checks.

The fee applies to passengers using TSA Confirm.ID, a process that may involve biometric or biographic verification. Even after payment, access to the secure area is not guaranteed, and the charge will remain non-refundable, valid for a period of ten days.

According to the TSA, the policy ensures that the traveller, instead of taxpayers, bears the cost of verifying insufficient identification. Officials have urged passengers to obtain a REAL ID or other approved documentation to avoid delays or missed flights.

The agency has indicated that travellers will be encouraged to pay the fee online before arrival. At the same time, further details are expected on how advance payment and verification will operate across different airports.

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Bank of England governor warns AI could displace jobs at Industrial Revolution scale

Bank of England Governor Andrew Bailey said the widespread adoption of AI is likely to displace workers from existing roles, drawing parallels with the labour disruption caused by the Industrial Revolution.

He emphasised that while AI can boost productivity and economic growth, the UK must invest in training and education to help workers transition into jobs that are AI-enabled.

Bailey expressed particular concern about the impact on younger and inexperienced workers, warning that AI may reduce entry-level opportunities in sectors such as law, accountancy and administration. He noted that firms may hire fewer junior staff as AI systems replace routine data and document analysis.

Despite these risks, Bailey described AI as a potential driver of future UK growth, although he cautioned that productivity gains may take time to materialise.

He also stated that the Bank of England is experimenting with AI internally while monitoring concerns about a potential AI market bubble and the risks of a sharp valuation correction.

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Dubai charities open doors to crypto donations

Dubai charities now accept donations in cryptocurrencies and virtual assets through a new service launched by the Islamic Affairs and Charitable Activities Department. The move signals a shift towards modernised fundraising channels across the emirate.

The service supports Dubai’s wider digital transformation strategy and aims to improve efficiency within the charitable donation ecosystem. Donors can now use globally recognised payment options, highlighting the rising use of virtual assets as valid financial tools.

Regulation remains central to the initiative, with IACAD introducing clear policies to protect donors, enhance transparency, and ensure compliance with approved standards. Introductory workshops have also been organised to guide charities through operational and procedural requirements.

Officials stressed that charities need preliminary authorisation to ensure donations are processed securely and in accordance with regulations. The initiative further reinforces Dubai’s ambition to lead in innovative and technology-driven humanitarian work.

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Google study shows teens embrace AI

Google’s new study, The Future Report, surveyed over 7,000 teenagers across Europe about their use of digital technologies. Most respondents describe themselves as curious, critical, and optimistic about AI in their daily lives.

Many teens use AI daily or several times a week for learning, creativity, and exploring new topics. They report benefits such as instant feedback and more engaging learning while remaining cautious about over-reliance.

Young people value personalised content recommendations and algorithmic suggestions, but emphasise verifying information and avoiding bias. They adopt strategies to verify sources and ensure the trustworthiness of online content.

The report emphasises the importance of digital literacy, safety, balanced technology use, and youth engagement in shaping the digital future. Participants request guidance from educators and transparent AI design to promote the responsible and ethical use of AI.

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Major IBM training programme to boost India’s AI, cybersecurity and quantum skills

Technology giant IBM has announced a major education initiative to skill 5 million people in India by 2030 in frontier areas such as AI, cybersecurity and quantum computing.

The programme will be delivered via IBM’s SkillsBuild ecosystem, which offers over 1,000 courses and has already reached more than 16 million learners globally.

The initiative will span students and adult learners across schools, universities and vocational training ecosystems, with partnerships planned with bodies such as the All India Council for Technical Education (AICTE) to integrate hands-on learning, curriculum modules, faculty training, hackathons and internships.

IBM also plans to strengthen foundational AI skills at the school level by co-developing curricula, teaching resources and explainers to embed computational thinking and responsible AI concepts early in education.

The CEO of IBM has described India as having the talent and ambition to be a global leader in AI and quantum technologies, with broader access to these skills seen as vital for future economic competitiveness and innovation.

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Digital fraud declines in Russia after rollout of Cyberbez measures

Russia has reported a sharp decline in cyber fraud following the introduction of new regulatory measures in 2025. Officials say legislative action targeting telephone and online scams has begun to deliver measurable results.

State Secretary and Deputy Minister of Digital Development Ivan Lebedev told the State Duma that crimes covered by the first package of reforms, known as ‘Cyberbez 1.0’, have fallen by 40%, according to confirmed statistics.

Earlier this year, Lebedev said Russia records roughly 677,000 cases of phone and online fraud annually, with incidents rising by more than 35% since 2022, highlighting the scale of the challenge faced by authorities.

In April, President Vladimir Putin signed a law introducing a range of countermeasures, including a state information system to combat fraud, limits on unsolicited marketing calls, stricter SIM card issuance rules, and new compliance obligations for banks.

Further steps are now under discussion. Officials say a second package is being prepared, while a third set of initiatives was announced in December as Russia continues to strengthen its digital security framework.

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UK report quantifies rapid advances in frontier AI capabilities

For the first time, the UK has published a detailed, evidence-based assessment of frontier AI capabilities. The Frontier AI Trends Report draws on two years of structured testing across areas including cybersecurity, software engineering, chemistry, and biology.

The findings show rapid progress in technical performance. Success rates on apprentice-level cyber tasks rose from under 9% in 2023 to around 50% in 2025, while models also completed expert-level cyber challenges previously requiring a decade of experience.

Safeguards designed to limit misuse are also improving, according to the report. Red-team testing found that the time required to identify universal jailbreaks increased from minutes to several hours between model generations, representing an estimated forty-fold improvement in resistance.

The analysis highlights advances beyond cybersecurity. AI systems now complete hour-long software engineering tasks more than 40% of the time, while biology and chemistry models outperform PhD-level researchers in controlled knowledge tests and support non-experts in laboratory-style workflows.

While the report avoids policy recommendations, UK officials say it strengthens transparency around advanced AI systems. The government plans to continue investing in evaluation science through the AI Security Institute, supporting independent testing and international collaboration.

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