Digital business models

Swiss city deepens crypto adoption as 350 businesses now accept Bitcoin

The Swiss city of Lugano has advanced one of Europe’s most ambitious crypto-adoption programmes, with more than 350 shops and restaurants now accepting Bitcoin for everyday purchases, alongside municipal services such as pre-school childcare.

The city has distributed crypto-payment terminals free to local merchants, part of its Plan B initiative, launched in partnership with Tether to position Lugano as a European bitcoin hub.

Merchants cite lower transaction fees compared to credit cards, though adoption remains limited in practice. City officials and advocates envision a future ‘circular economy,’ where residents earn and spend bitcoin locally.

Early real-world tests suggest residents can conduct most daily purchases in Bitcoin, though gaps remain in public transport, fuel and utilities.

Lugano’s strategy comes as other national or city-level cryptocurrency initiatives have struggled. El Salvador’s experiment with making Bitcoin legal tender has seen minimal uptake, while cities such as Ljubljana and Zurich have been more successful in encouraging crypto-friendly ecosystems.

Analysts and academics warn that Lugano faces significant risks, including bitcoin’s volatility, reputational exposure linked to illicit use, and vulnerabilities tied to custodial digital wallets.

Switzerland’s deposit-guarantee protections do not extend to crypto assets, which raises concerns about consumer protection. The mayor, however, dismisses fears of criminal finance, arguing that cash remains far more attractive for illicit transactions.

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Norges Bank says digital krone not required for now

Norway’s central bank has concluded that a central bank digital currency is not needed for now, ending several years of research and reaffirming that the country’s existing payment system remains secure, efficient, and widely used.

Norges Bank stated that it found no current requirement for a digital krone to maintain confidence in payments. Cash usage in Norway is among the lowest globally, but authorities argue the present system continues to serve consumers, merchants, and banks effectively.

The decision is not final. Governor Ida Wolden Bache said the assessment reflects timing rather than a rejection of CBDCs, noting the bank could introduce one if conditions change or if new risks emerge in the domestic payments landscape.

Norges Bank continues to examine both retail and wholesale models under the broader EU AI Act framework for digital resilience. It also sees potential in tokenisation, which could deliver efficiency gains and lower settlement risk even if a full CBDC is not introduced.

Experiments with tokenised platforms will continue in collaboration with industry partners. At the same time, the bank prepares a new report for early next year and monitors international work on shared digital currency infrastructure, including a possible digital €.

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Adobe brings its leading creative tools straight into ChatGPT

Yesterday, Adobe opened a new chapter for digital creativity by introducing Photoshop, Adobe Express and Adobe Acrobat inside ChatGPT.

The integration gives 800 million weekly users direct access to trusted creative and productivity tools through a conversational interface. Adobe aims to make creative work easier for newcomers by linking its technology to simple written instructions.

Photoshop inside ChatGPT offers selective edits, tone adjustments and creative effects, while Adobe Express brings quick design templates and animation features to people who want polished content without switching between applications.

Acrobat adds powerful document controls, allowing users to organise, edit or redact PDFs inside the chat. Each action blends conversation with Adobe’s familiar toolsets, giving users either simple text-driven commands or fine control through intuitive sliders.

The launch reflects Adobe’s broader investment in agentic AI and its Model Context Protocol. Earlier releases such as Acrobat Studio and AI Assistants for Photoshop and Adobe Express signalled Adobe’s ambition to expand conversational creative experiences.

Adobe also plans to extend an upcoming Firefly AI Assistant across multiple apps to support faster movement from an idea to a finished design.

All three apps are now available to ChatGPT users on desktop, web and iOS, with Android support expanding soon. Adobe positions the integration as an entry point for new audiences who may later move into the full desktop versions for deeper control.

The company expects the partnership to widen access to creative expression by letting anyone edit images, produce designs or transform documents simply by describing what they want to achieve.

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Three in ten US teens now use AI chatbots every day, survey finds

According to new data from the Pew Research Center, roughly 64% of US teens (aged 13–17) say they have used an AI chatbot; about three in ten (≈ 30%) report daily use. Among those teens, the leading chatbot is ChatGPT (used by 59%), followed by Gemini (23%) and Meta AI (20%).

The widespread adoption raises growing safety and welfare concerns. As teenagers increasingly rely on AI for information, companionship or emotional support, critics point to potential risks, including exposure to biased content, misinformation, or emotionally manipulative interactions, particularly among vulnerable youth.

Legal action has already followed, with families of at least two minors suing AI-developer companies after alleged harmful advice from chatbots.

Demographic patterns reveal that Black and Hispanic teens report higher daily usage rates (around 33-35%) compared to their White peers (≈ 22%). Daily use is also more common among older teens (15–17) than younger ones.

For policymakers and digital governance stakeholders, the findings add urgency to calls for AI-specific safeguarding frameworks, especially where young people are concerned. As AI tools become embedded in adolescent life, ensuring transparency, responsible design, and robust oversight will be critical to preventing unintended harms.

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AI model predicts prediabetes with high accuracy

Researchers have developed an AI model that enhances prediabetes prediction by integrating oxidative stress markers with traditional clinical indicators. The Pattern Neural Network model achieved 98.3% accuracy in Indian adults, outperforming other machine learning methods.

Total antioxidant status emerged as a key predictor, with lower antioxidant capacity observed in individuals with prediabetes. Waist circumference and BMI were also highly informative, alongside glucose markers such as HbA1c and OGTT.

The inclusion of oxidative stress measures provides a deeper understanding of the mechanisms underlying metabolic risk.

The study used clinical and biochemical data from 199 adults, with the PNN trained on 14 features, including demographic and biochemical variables. High accuracy across all sets indicates strong potential for quick, low-cost screening and personalised early interventions.

While the results are promising, the single-centre design and limited sample size indicate that external validation is needed. Future studies should test the model in larger, multi-site cohorts and integrate longitudinal data to enhance its real-world applicability and public health impact.

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EU proposes easing environmental rules for datacentres and housing

The European Commission has proposed a significant overhaul of environmental rules, potentially exempting datacentres, AI facilities, and affordable housing from mandatory impact assessments.

Member states would retain discretion over whether such projects require full environmental scrutiny, as part of a broader plan to expedite permitting and reduce reporting obligations for businesses.

The package also repeals a hazardous chemical database, eases polluter obligations, and moves environmental management rules from individual plants to whole companies. The commission states that the changes could save firms €1 billion annually, but green groups warn of potential costs to health and biodiversity.

The proposals align with plans to modernise the EU electricity grid and new climate targets to reduce emissions by 90% compared to 1990. Experts have cautioned that loopholes allowing international carbon credits could weaken domestic emissions reductions.

Corporate sustainability laws are also being scaled back. The revised rules limit the number of companies covered, postpone compliance deadlines to 2029, and remove obligations to implement climate transition plans.

Business lobby groups have welcomed the changes as a more realistic approach to corporate social responsibility and due diligence.

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Australian families receive eSafety support as the social media age limit takes effect

Australia has introduced a minimum age requirement of 16 for social media accounts during the week, marking a significant shift in its online safety framework.

The eSafety Commissioner has begun monitoring compliance, offering a protective buffer for young people as they develop digital skills and resilience. Platforms now face stricter oversight, with potential penalties for systemic breaches, and age assurance requirements for both new and current users.

Authorities stress that the new age rule forms part of a broader effort aimed at promoting safer online environments, rather than relying on isolated interventions. Australia’s online safety programmes continue to combine regulation, education and industry engagement.

Families and educators are encouraged to utilise the resources on the eSafety website, which now features information hubs that explain the changes, how age assurance works, and what young people can expect during the transition.

Regional and rural communities in Australia are receiving targeted support, acknowledging that the change may affect them more sharply due to limited local services and higher reliance on online platforms.

Tailored guidance, conversation prompts, and step-by-step materials have been produced in partnership with national mental health organisations.

Young people are reminded that they retain access to group messaging tools, gaming services and video conferencing apps while they await eligibility for full social media accounts.

eSafety officials underline that the new limit introduces a delay rather than a ban. The aim is to reduce exposure to persuasive design and potential harm while encouraging stronger digital literacy, emotional resilience and critical thinking.

Ongoing webinars and on-demand sessions provide additional support as the enforcement phase progresses.

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UK partners with DeepMind to boost AI innovation

The UK Department for Science, Innovation and Technology (DSIT) has entered a strategic partnership with Google DeepMind to advance AI across public services, research, and security.

The non-legally binding memorandum of understanding outlines a shared commitment to responsible AI development, while enhancing national readiness for transformative technologies.

The collaboration will explore AI solutions for public services, including education, government departments, and the Incubator for AI (i.AI). Google DeepMind may provide engineering support and develop AI tools, including a government-focused version of Gemini aligned with the national curriculum.

Researchers will gain priority access to DeepMind’s AI models, including AlphaEvolve, AlphaGenome, and WeatherNext, with joint initiatives supporting automated R&D and lab facilities in the UK. The partnership seeks to accelerate innovation in strategically important areas such as fusion energy.

AI security will be strengthened through the UK AI Security Institute, which will share model insights, address emerging risks, and enhance national cyber preparedness. The MoU is voluntary, spans 36 months, and ensures compliance with data privacy laws, including UK GDPR.

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Vietnam passes first AI law to strict safeguards

Vietnam’s National Assembly has passed its first AI Law, advancing the regulation and development of AI nationwide. The legislation was approved with overwhelming support, alongside amendments to the Intellectual Property Law and a revised High Technology Law.

The AI Law will take effect on March 1, 2026.

The law establishes core principles, prohibits certain acts, and outlines a risk management framework for AI systems. The law combines safeguards for high-risk AI with incentives for innovation, including sandbox testing, a National AI Development Fund, and startup vouchers.

AI oversight will be centralised under the Government, led by the Ministry of Science and Technology, with assessments needed only for high-risk systems approved by the Prime Minister. The law allows real-time updates to this list to keep pace with technological advances.

Flexible provisions prevent obsolescence by avoiding fixed technology lists or rigid risk classifications. Lawmakers emphasised the balance between regulation and innovation, aiming to create a safe yet supportive environment for AI growth in Vietnam.

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EU advances ambitious gigafactory programme for AI leadership

The Council has agreed on a significant amendment to the EuroHPC Joint Undertaking regulation, aiming to establish AI gigafactories across Europe alongside a new quantum pillar.

The plan advances earlier efforts to build AI factories and redirects unused EU funds toward larger and more ambitious facilities. Up to five gigafactories are expected, supported through public and private partnerships that promise a stronger technological base for European research and industry.

AI gigafactories will combine high-performance computing, energy-efficient data centres and automated systems to give Europe world-class AI capacity. The regulation sets out firm rules for funding and procurement while protecting start-ups and scale-ups.

It also allows gigafactories to be spread across multiple countries, creating a flexible model that can strengthen European resilience, competitiveness and security instead of relying heavily on American or Chinese infrastructure.

An agreement that updates the governance of EuroHPC and introduces safeguards for participation from partners outside the EU. Quantum research and innovation activities will move from Horizon Europe to EuroHPC in order to consolidate work on critical technologies.

In a shift that aims to widen the impact of supercomputing and quantum infrastructure while supporting the development of essential skills for science and industry.

The next stage involves the European Parliament delivering its opinion on 17 December.

A final Council adoption will follow once legal and linguistic checks have been completed, marking a decisive step towards Europe’s new AI and quantum capability.

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