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Blockchain Payment Processing: How Decentralised Payment Infrastructure Is Reshaping Modern Financial Operations

Blockchain Payment Processing

As digital transactions become increasingly embedded in global commerce, organisations are reassessing how financial systems should function in a more interconnected and technology-driven economy. Traditional payment infrastructures—built on layered intermediaries, regional limitations, and multi-day settlement cycles—are facing growing pressure to adapt. In this evolving environment, blockchain payment processing is emerging as one of the most significant technological shifts, offering an alternative model based on transparency, decentralisation, and operational efficiency.

The demand for faster, borderless, and more autonomous payment systems has accelerated across industries ranging from e-commerce to SaaS platforms and remote-first organisations. This shift has encouraged business leaders to explore how blockchain-based payment rails can provide improvements to speed, reliability, and security while aligning with long-term digital transformation strategies.

Understanding Blockchain Payment Processing

At its core, blockchain payment processing refers to the use of distributed ledger networks to send, receive, and verify payments without reliance on traditional financial intermediaries. Unlike bank-based systems, where central entities manage authentication, routing, and settlement, blockchain transactions are recorded across decentralised networks, allowing participants to transact directly.

This reduces the friction typically found in legacy systems and allows payments to be settled globally within minutes—or even seconds—at any time of day. The model appeals particularly to businesses operating internationally, where traditional cross-border transfers often introduce delays, unpredictable fees, and compliance bottlenecks.

As blockchain adoption expands, organisations increasingly recognise that on-chain payment systems offer not only technological innovation but also a structural rethinking of how financial operations can be managed in a digital economy.

Why Businesses Are Embracing Blockchain-Based Payments

Several factors are driving the rapid adoption of blockchain payment processing in corporate and institutional environments:

1. Speed and Global Reach

Traditional bank transfers may require days to settle, especially across borders. Blockchain networks process payments in near real time, enabling companies to move funds quickly and maintain operational agility.

2. Reduced Dependence on Intermediaries

Conventional payment chains involve banks, processors, and compliance layers that can delay transactions. Blockchain removes many of these intermediaries, allowing businesses to interact directly with the network.

3. Enhanced Transparency and Security

Each blockchain transaction is recorded immutably, improving auditability and reducing the risk of fraud. Cryptographic verification also strengthens transaction integrity.

4. Lower Operational Costs

With fewer intermediaries involved, organisations often see reductions in transaction fees, chargeback risks, and currency conversion losses.

5. Compatibility With Digital-First Business Models

Remote teams, online platforms, decentralised applications, and global marketplaces increasingly prioritise financial tools that operate 24/7 without institutional constraints.

Given these advantages, blockchain-based payments are not merely a convenience but a strategic asset for companies seeking resilient, borderless financial infrastructure.

Practical Applications Across Industries

Businesses are deploying blockchain payment processing in several high-impact areas:

  • Global payroll for distributed teams
  • E-commerce payments in regions with limited banking infrastructure
  • Subscription billing for SaaS platforms
  • Treasury operations using stablecoins
  • On-chain transactions for Web3 ecosystems

These use cases highlight the versatility of blockchain payments and their growing relevance across diverse operational models.

Navigating Challenges and Operational Considerations

Despite its advantages, blockchain-based payment infrastructure introduces considerations that organisations must manage effectively. Private key security is essential, as decentralised systems place responsibility directly on the user. Regulatory requirements may vary by jurisdiction, and companies must implement internal controls to stay compliant.
AML risk assessment also remains an important operational requirement, even when platforms do not mandate traditional identity verification.

These factors underline the need for tools that combine decentralised architecture with features that support secure, compliant business operations.

BitHide as an Example of a Secure Non-Custodial Blockchain Payment Solution

One platform illustrating this new category of infrastructure is BitHide, a non-custodial, self-hosted software solution designed for blockchain payment processing.

BitHide enables businesses to manage digital assets and payment flows while maintaining full control over private keys and operational processes. The solution is installed on the client’s own infrastructure, ensuring that all funds and data remain under their control.

BitHide provides:

  • multi-wallet management for operational and treasury structures 
  • automated and manual payment handling 
  • API-based integration for business workflows 
  • flexible configuration of payment and withdrawal processes 

These capabilities demonstrate how non-custodial infrastructure can support secure, automated, and scalable blockchain-based financial operations for modern businesses.

The Future of Blockchain-Based Payments

As global financial systems continue to evolve, blockchain payment processing is poised to become a foundational component of modern business infrastructure. Its ability to support fast, secure, and borderless transactions aligns with long-term trends in digital commerce and decentralised finance.

While challenges remain, businesses increasingly view blockchain-enabled payments as a practical solution—not merely a technological experiment. With platforms such as BitHide contributing to the ecosystem, the shift toward decentralised payment rails is expected to accelerate, reshaping how organisations manage digital assets and financial operations in the years ahead.

Japanese Companies Cite China Tensions, U.S. Trade as Key 2026 Concerns

Companies - Flags USA, China and Japan

Japanese businesses are entering 2026 with heightened anxiety over diplomatic strains with China and uncertainty surrounding U.S. trade policies, according to a Reuters survey published Thursday. Relations between Tokyo and Beijing have worsened since Prime Minister Sanae Takaichi suggested last month that a hypothetical Chinese attack on Taiwan could trigger a Japanese military response.

When asked about the most pressing issues for next year, 25 percent of survey respondents pointed to tensions with China, while 22 percent highlighted U.S. trade regulations. Both nations remain critical trading partners and suppliers of rare earth minerals, essential in sectors ranging from automobiles and electronics to defense technology.

Recent incidents have amplified these concerns. Japan reported that Chinese fighter jets targeted radar at Japanese military aircraft, an assertion China denied. Despite geopolitical worries, corporate sentiment on earnings is relatively optimistic. About 40 percent of companies expect growth in the fiscal year starting April 1, citing the ability to pass on rising costs and continued demand for semiconductors.

Roughly 33 percent of respondents forecast single-digit earnings gains, and 7 percent anticipate double-digit increases. In contrast, 14 percent expect a decline, while 46 percent predict earnings will remain largely unchanged. A transportation firm executive noted, “The cost of labour and other expenses are rising, but passing on costs through prices has enabled us to secure profit.” Electronics manufacturers credited robust chip demand for their positive outlook.

Industry analysts at World Semiconductor Trade Statistics project the global semiconductor market, driven by artificial intelligence demand, will grow over 26 percent to reach $975 billion in 2026.

The survey, conducted by Nikkei Research for Reuters between November 26 and December 5, reached 494 companies, with 236 responding under conditions of anonymity. Two-thirds of respondents supported Prime Minister Takaichi’s proposal to relax the annual primary budget balance as a fiscal consolidation target, describing the move as prudent. The adjustment aims to allow more flexible multi-year spending while easing strict commitments to fiscal tightening.

“Although we might see interest rates go up as a result, we would welcome the possibility of it creating a flow of funds to necessary investment,” said a representative from a non-ferrous metals firm. Japan’s debt exceeds twice the size of its economy, making fiscal management a longstanding challenge.

Currency expectations show further caution. About 55 percent of respondents anticipate the yen will trade between 150 and 160 per U.S. dollar in 2026, while 41 percent forecast a firmer range of 140 to 150 yen. Companies appear to be balancing optimism about domestic growth with the reality of geopolitical and financial pressures.

Related Readings:

Japan economic decline

Alliance - Japan and United States handshake

China and Japan

Trump’s National Security in the Multipolar World

US capitol with national security

By Dan Steinbock             

Last week, the Trump administration released its new national security strategy. It was quickly condemned by the neoconservatives. Perhaps because it is more realistic about multipolarity.

For months, Pentagon officials had been working on a new national security strategy (NSS) proposing the Trump administration prioritize protecting the homeland and Western Hemisphere over the neoconservatives’ “China threat.”

The more these allies and partners share the burden, the more Pentagon’s defense contracfors stand to profit.

It is a striking reversal from the military’s years-long mandate to focus on the “threat from China,” ever since the Obama-Clinton “pivot to Asia.” The new NSS, developed by the Trump loyalists, largely overturns the focus of the first Trump administration’s 2018 National Defense Strategy, which placed deterring China at the forefront of the Pentagon’s efforts.

Leading the NSS drafting, Elbridge Colby, the Pentagon’s policy chief, played a key role in writing the 2018 version during Trump’s first term. Despite his long track record as a China hawk, Colby aligned with Vice President JD Vance on the desire to disentangle the U.S. from foreign commitments.

The new NSS conflicts with the massive needs of the colossal U.S. military-industrial complex, which has fueled America’s costly, deadly and counter-productive wars since September 11, 2001, with more than $8 trillion in costs and millions of dead and wounded.

Colby with Cho Chang-rae
Colby with South Korean Deputy Defense Minister Cho Chang-rae in May 2025.
Source: Wikimedia

Eclipse of American interventionism?           

The NSS focuses on great-power competition and domestic renewal, rather than promoting democracy, global institutions, or an expansive U.S. role in nation-building.

As opposed to the Democratic administrations and most Americans who see climate change as a major strategic risk, the Trump NSS notably omits extreme climate as a national security threat. That’s its gravest mistake.

The Trump NSS also marks a significant shift from the post-Cold War consensus of both Republican and Democratic administrations. It treats alliances as transactional instruments and calls for real burden-sharing, critiquing allies for “free-riding” on U.S. defense spending.

This skepticism about neoconservative interventionism is highly objectionable to those interests that tout America’s continued entanglements in international affairs. Typically, U.S. media outlets like The Atlantic, a longtime champion of transatlantic economic and military cooperation, dismissed the document as “incoherent babble,” full of “sycophancy, lies, inconsistencies, and grotesque self-contradictions”.

Typically, too, the author, Eliot A. Cohen, is a veteran of the U.S. Department of Defense and intelligence community, worked under the neoconservative apostle Paul Wolfowitz and was the  co-founder of the Project for the New American Century (PNAC), the champion of the 2003 U.S. invasion of Iraq.

The NSS implications vis-à-vis Europe, Japan        

The Trump NSS explicitly criticizes European allies as facing “civilizational erasure” due to immigration and “anti-democratic restrictions.” Hence, the drastic tsunami of its rightful condemnations across Western Europe.

The NSS emphasis is on Europe becoming self-reliant for its defense, with warnings that the US might not honor collective security commitments unless allies meet specific spending targets. The strategy emphasizes “burden shifting” and a rebalancing of economic relationships.

In May, Colby told British officials that the United States wanted the British Armed Forces to focus less on the Indo-Pacific and more in the Europe. In the view of NSS, the UK’s job is to focus on Europe, not Asia.

The U.S. expects Japan to take on more of the defense burden in the Indo Pacific. Hence, the U.S.-Japan alliance is moving away from the consistent postwar pattern of U.S. leadership and security guarantees that did not always require strict reciprocity from allies. They were generous and their time is now over.

NATO as a cashcow

In June, Colby pushed for the Department of Defense to launch a review whether to scrap the AUKUS agreement with Australia and the UK. Colby also pushed for Japan to increase its military spending to 3.5% of its GDP, which led Tokyo to cancel a meeting between U.S. secretary of state Marco Rubio and defense secretary Pete Hegseth, and their Japanese peers.

These burden-sharing objectives are consistent with the NSS that allows the Trump administration to pressure its NATO allies and non-NATO partners alike to engage in greater military spending. But the goals are also shrewd. They will profit the U.S. and weaken its allies and partners. Washington provides 98% of arms supplies to Taiwan; 97% to Japan; 86% to the UK and South Korea, respectively; and 81% to Australia.

U.S share as % of total arms imports
Source: SIPRI, author

The more these allies and partners share the burden, the more Pentagon’s defense contracfors stand to profit. It is a multibillion-dollar racket. Since the U.S. is the greatest supplier of its allies and partners, the burden-sharing is very much in the interest of U.S. economic primacy and efforts to regionalize conflicts away from America.

To allies and partners, it’s a double-whammy. They pay the bill and they shoulder the risks. Consequently, the deals must be sold with misguided patriotism and inflated threats.

Views from Russia and China   

Some analysts agree that the emphasis on fiscal constraints and a return to the Monroe Doctrine in the Western Hemisphere are overdue shifts.

Perhaps that’s why reactions have been somewhat different in Russia, where analysts have been highly positive about the new U.S. strategy, with Kremlin officials stating it aligns with Moscow’s own worldview.

Despite the assertive rhetoric on Taiwan, the NSS’s explicit declaration of U.S. preference for non-interference in other nations’ affairs, respect for state sovereignty and prioritization of the Western Hemisphere might indicate a shift in regional focus.

Colby advocates for the U.S. to shift its military planning and resources to prepare for a conflict over Taiwan. Last March, he confirmed his intention to increase U.S. military resources in the Indo-Pacific and called on Taiwan to nearly quintuple its defense budget to 10% of GDP.

Military spending
Blue: Military spending of US NATO allies and major non-NATO partners in 2024
Red: U.S. preferences of their level of military spending

Source: SIPRI, author

However, Colby has also called for the destruction of TSMC, the Taiwanese semiconductor giant and one of the world’s most valuable semiconductor conglomerates, to keep it out of Chinese control should Chinese military forces capture Taiwan. 

In contrast to the neoconservatives, Colby rejects cartoonish accounts of the Chinese Communist Party and sees China as a rising power. As a nationalist realist, he supports efforts for a “genuinely mutually advantageous economic relationship” with China. 

Reconciliation with multipolarity         

Trump’s NSS could, in some aspects, be reconciled with a multipolar view of the world, though its ultimate goal is still American preeminence.

The NSS acknowledges the existence of powerful great power competitors like China and Russia and focuses on managing competition with them, which aligns with the multipolar reality.

The “America First” approach rejects traditional unipolar primacy. Its emphasis on strategic restraint and burden-sharing implicitly accept that U.S. resources are not limitless.

Transactional engagement that deals with nations as they are, rather than trying to change them, is more suited to a multipolar system where various powers assert influence based on their own interests.

Its emphasis on strategic restraint and burden-sharing implicitly accept that U.S. resources are not limitless.

Interestingly, some of these views could be reconciled with those of the Democratic progressives. The greatest difference between the two centers of global cooperation versus nationalism. Nonetheless, both stress the primacy of domestic and economic issues – a common denominator to many American lower-middle class and laboring poor wavering between Trump and democratic leaders in recent elections.

Most importantly, there is a partial overlap in a shared restraint against and skepticism toward interventionism, as reflected by “forever wars” and military over-extension.

Continentalism déjà vu   

There is a deep affinity between the Trump NSS and progressive ideas on continentalism, as envisioned by America’s pre-eminent prewar historian Charles A. Beard, a leading proponent of non-interventionism.

Beard advocated “American Continentalism” arguing that America had no vital interests at stake in Europe.

The core affinity between Beard’s continentalism and the Trump NSS is the shared emphasis on prioritizing domestic interests while avoiding foreign entanglements and alliances. 

Both doctrines promote a foreign policy rooted solely in the tangible, immediate U.S. interests, including “non-intervention in Europe.” In both, foreign policy has an inherent economic subtext and must serve the nation’s economic well-being.

There is more to the Trump NSS than meets the eye. It features longstanding strains of American thinking, including progressive ideas, that could be modified with 21st century ideas of multipolarity.

The original commentary was published by China-US Focus on December 10, 2025.

About the Author

Dr Dan SteinbockDr Dan Steinbock, an expert of the multipolar world, is the founder of Difference Group and has served at the India, China and America Institute (US), Shanghai Institute for International Studies (China) and the EU Center (Singapore). For more, see https://www.differencegroup.net/ 

US Europe Rift Widens As Russia Exploits Policy Divisions Over Ukraine

USA, Russia and EU flags

Growing tensions between Washington and its European allies are reshaping the geopolitical landscape, creating new strategic openings for Moscow as it seeks to weaken support for Ukraine. Statements from the White House, combined with a recently issued national security strategy, have triggered concern across European capitals and created fresh leverage for Russia in an already volatile information environment.

The latest friction stems from comments made by US President Donald Trump, who sharply criticised European governments for their immigration policies and labeled them “weak” and “decaying.” He argued that Russia holds the “upper hand” in its war on Ukraine and urged Ukrainian President Volodymyr Zelensky to “start accepting things” in negotiations. “He’s going to have to get on the ball and start accepting things, you know, when you’re losing,” Trump said in an interview.

These remarks came shortly after Washington released a national security strategy that faulted “European officials who hold unrealistic expectations for the war.” The document claims that those leaders are blocking a viable path toward a peace deal and argues that “a large European majority wants peace, yet that desire is not translated into policy, in large measure because of those governments’ subversion of democratic processes.”

Berlin responded swiftly. German Chancellor Friedrich Merz challenged the assertions, saying the strategy contained elements that were “comprehensible,” others that were “understandable,” but also parts that were “unacceptable to us from a European perspective.” He stressed that Europe does not require Washington’s guidance to “save democracy.”

While the statements have strained trans Atlantic relations, they have been welcomed in Moscow. Kremlin spokesman Dmitry Peskov praised the strategy, calling it “consistent with our vision,” and later noted that “the nuance we see in the new concept certainly appeals to us. It speaks of the need for dialogue and building constructive, good relations.”

Russian officials and figures close to the Kremlin have seized on the moment. Kirill Dmitriev, CEO of the Russian Direct Investment Fund, amplified Trump’s remarks on X and highlighted the warning that “Europe has to be very careful” and that it “is going in some bad directions … very bad for the people.” His posts echoed Trump’s comments following the European Union’s 140 million dollar fine against X for violating content rules. Elon Musk responded by calling for the abolition of the EU.

Despite Russia’s own record of suppressing opposition and blocking platforms such as Facebook and X, Moscow continues to weaponise Western debates to undermine European unity. Analysts see a deliberate strategy aimed at eroding EU support for Kyiv and raising doubts about NATO’s cohesion.

This dynamic has become familiar. Earlier in the year, European officials reacted with shock when US Vice President JD Vance criticised Europe at the Munich Security Conference. Russian state media celebrated those remarks, just as it celebrated harsh statements directed at Zelensky during his White House visit.

This week, Zelensky has been traveling across Europe to secure commitments from the United Kingdom, France and Germany, as well as key institutions in Brussels. Yet Russian messaging has intensified in parallel. Hardline political scientist Sergey Karaganov stated in a broadcast interview that Russia was “at war with Europe, not with a miserable, pitiful, misled Ukraine.” He added that the conflict would continue “until we smash Europe, morally and politically.”

Such rhetoric mirrors more formal warnings from the Kremlin. Before meeting Trump’s envoys Steve Witkoff and Jared Kushner in Moscow, President Vladimir Putin declared that Russia was prepared for confrontation if necessary. “We are not planning to go to war with Europe. I have already spoken about this a hundred times, but if Europe suddenly wants to go to war with us and starts, we are ready right now,” he said.

The combination of Washington’s harsh criticism of European policy and Russia’s aggressive posture has alarmed analysts who track trans Atlantic stability. For European business leaders and policymakers, the widening divide raises questions about future coordination on sanctions, defense spending and energy security. As diplomatic tensions escalate, the geopolitical uncertainty risks shaping investment decisions and long term economic planning across the continent.

Related Readings:

Ukraine and Europe Race to Respond After Trump-Putin Summit

Why Your Employees aren’t Hearing You on Gen AI Transformation

Employees making AI gen transformation in the workplace

By Dr. Gleb Tsipursky

Imagine a new technology poised to transform your organization — but its success hinges not only on the technology itself but on how effectively it’s communicated. That’s the reality for companies adopting Generative AI (Gen AI).

As organizations navigate the complexities of integrating these powerful tools, one truth becomes clear: communication is not an afterthought; it is the linchpin. Relying solely on emails or a single communication method risks leaving employees confused or disengaged. To bring everyone on board, leaders must employ a multi-channel communication strategy tailored to diverse preferences, fostering clarity, trust, and excitement.

Meeting Employees Where They Are on Gen AI Transformation

Employees process information differently. A one-size-fits-all approach won’t cut it. For some, face-to-face interactions or virtual meetings offer the best format for engaging directly with leadership. These sessions allow for real-time clarification and active participation.

Self-service portals empower employees to find answers on their own, reducing confusion while reinforcing transparency.

Picture an employee curious about how Gen AI will affect their role: an open dialogue in a meeting provides not only answers but reassurance. Leadership also benefits by gauging sentiment and adjusting messages accordingly.

On the other hand, many employees prefer digesting information on their own schedule. Written communications like emails or newsletters are invaluable here, delivering updates with precision and offering a reference point for the future.

A monthly newsletter showcasing Gen AI success stories — such as how customer service automation boosted response times — keeps employees informed and motivated.

Then there’s the company intranet. A centralized hub for Gen AI updates, training resources, FAQs, and project milestones, the intranet ensures that every employee has a reliable place to turn to for details. Self-service portals empower employees to find answers on their own, reducing confusion while reinforcing transparency.

By addressing varied preferences, organizations create a communication ecosystem that resonates with everyone.

The Power of Consistency in Gen AI Transformation

Effective communication is as much about how you say something as it is about what you say. Mixed messages or misaligned updates can quickly derail trust and engagement. Consistency is crucial, ensuring that employees hear a unified voice across all channels.

When leadership announces the successful rollout of a Gen AI-driven tool in a town hall, that message must echo in follow-up emails, intranet updates, and newsletters.

For example, consider a company implementing Gen AI tools to streamline project management. Leadership might present an overview of benefits in a video update, while the intranet hosts detailed step-by-step guides and case studies showing how the tools improve productivity.

Employees access different formats but absorb the same key information.

This cohesion builds trust. Employees see that leadership is aligned, reinforcing the credibility of the Gen AI initiative. Moreover, the messaging should be transparent.

If setbacks arise, acknowledging them openly — and explaining how they will be addressed — can strengthen, not weaken, employees’ trust in the process.

Creating Two-Way Conversations About Gen AI Transformation

Communication is about encouraging dialogue. Gen AI initiatives are complex, and employees need opportunities to ask questions, voice concerns, and share insights.

A live Q&A following a webinar allows employees to clarify uncertainties immediately, while feedback surveys after meetings or email updates create avenues for quieter voices to be heard.

Take an example of a company rolling out a Gen AI-driven customer engagement platform. After introducing the system in a department-wide meeting, leadership followed up with a survey asking for initial impressions and questions. Employees raised concerns about potential workflow disruptions, prompting leadership to schedule targeted training sessions. This back-and-forth strengthened buy-in and ensured that employees feel included in the process.

Interactive elements on the intranet, such as discussion boards, further encourage collaboration. Employees can share tips, seek guidance, discuss managing risks, or troubleshoot problems together, building a sense of community around the new technology. By prioritizing feedback loops, organizations demonstrate that they value employee input—creating an inclusive environment essential for a smooth Gen AI transition.

Client Case Study: Building a Custom Strategy for Gen AI Transformation

In my role as a consultant, I’ve seen firsthand how tailored communication strategies make or break Gen AI initiatives. One memorable project involved partnering with a healthcare organization integrating AI-driven diagnostics. Employees initially expressed skepticism, fearing job displacement and a loss of autonomy.

Poor communication risks alienating employees, jeopardizing adoption, and undermining the very goals of the technology.

The leadership team and I developed a multi-pronged communication plan. First, we held town halls to address concerns transparently, explaining how the AI tools would augment rather than replace human expertise. Second, we launched a series of videos showing real-world examples of AI improving patient outcomes, which were shared via email and hosted on the intranet. Finally, we created an anonymous feedback channel to capture employee sentiment and used the data to refine messaging.

Within six months, Gen AI engagement rates soared, with over 80% of employees reporting a better understanding of the technology and its benefits. The AI diagnostic tools ultimately reduced diagnostic errors by over 25%, while boosting diagnostic speed by 33%, a win for both employees and patients.

Conclusion

For businesses rolling out Gen AI initiatives, the stakes couldn’t be higher. Poor communication risks alienating employees, jeopardizing adoption, and undermining the very goals of the technology. By adopting a multi-channel approach, ensuring consistency in messaging, and fostering dialogue, companies can not only inform but inspire their teams.

At the heart of it all is a simple yet powerful principle: employees are more likely to embrace change when they feel informed, involved, and valued. Whether through a lively town hall, a thoughtful email, or an intuitive intranet portal, every touchpoint matters. In a world reshaped by Gen AI, the organizations that thrive will be those that communicate with purpose, clarity, and heart.

About the Author

Dr. Gleb TsipurskyDr. Gleb Tsipursky PhD, serves as the CEO of the hybrid work consultancy Disaster Avoidance Experts and authored the best-seller Returning to the Office and Leading Hybrid and Remote Teams. He was named “Office Whisperer” by The New York Times for helping leaders overcome frustrations with Generative AI. He serves as the CEO of the future-of-work consultancy Disaster Avoidance Experts. Dr. Gleb wrote seven best-selling books, and his two most recent ones are Returning to the Office and Leading Hybrid and Remote Teams and ChatGPT for Leaders and Content Creators: Unlocking the Potential of Generative AI. His cutting-edge thought leadership was featured in over 650 articles and 550 interviews in Harvard Business ReviewInc. MagazineUSA TodayCBS NewsFox NewsTimeBusiness InsiderFortuneThe New York Times, and elsewhere. His writing was translated into Chinese, Spanish, Russian, Polish, Korean, French, Vietnamese, German, and other languages. His expertise comes from over 20 years of consultingcoaching, and speaking and training for Fortune 500 companies from Aflac to Xerox. It also comes from over 15 years in academia as a behavioral scientist, with 8 years as a lecturer at UNC-Chapel Hill and 7 years as a professor at Ohio State. A proud Ukrainian American, Dr. Gleb lives in Columbus, Ohio.

The Lease-Driven Return-to-Office: Companies Say the Quiet Part Out Loud

employees returning back to office

By Dr. Gleb Tsipursky

It turns out the return-to-office movement isn’t just about productivity, collaboration, or company culture. For a significant number of companies, it’s about leases—those binding, long-term commitments to office spaces that are now sitting underused while hybrid work proves its staying power. A recent Resume.org survey of 900 business leaders peels back the polished justifications for RTO and reveals the financial tether that’s quietly shaping policy: the office lease.

Real Estate, Not Culture, Is Behind Many RTO Decisions

The corporate narrative surrounding return-to-office has largely centered on soft justifications—enhanced communication, team cohesion, and managerial convenience. Yet 40% of business leaders in the Resume.org survey admitted that making better use of paid-for office space is a core reason they’re mandating in-person attendance. That number climbs when lease agreements are considered directly. Among companies that lease office space, more than half acknowledged that those agreements are affecting their RTO policy decisions, with 16% citing them as a major influence.

Many companies are keeping offices full not because they must, but because they’re already paying for them.

These are not minor edge cases. Two-thirds of surveyed companies still lease office space, and nearly half of these leases won’t expire until 2028 or later. Many of these contracts were signed well before the seismic shift brought on by the pandemic. A full 43% of leases were inked before 2020, locking companies into traditional space commitments that no longer match operational realities.

By 2025, nearly three-quarters of these companies will require employees to be in the office at least three days a week, and almost one in three will mandate a full five-day schedule. Only 2% will permit once-a-week or less. In other words, many companies are keeping offices full not because they must, but because they’re already paying for them.

Similarly, the corporate real estate management giant JLL observes that after years of trimming space, 57% of corporate real-estate leaders now feel confident enough in hybrid patterns to start “rightsizing” portfolios. In the short term, however, many are locked into pre-pandemic leases that compel continued in-office attendance while they redesign or sublet surplus areas. JLL expects average mandated presence to settle near four days weekly until those contracts unwind, after which flexible layouts and shorter terms will dominate.

Quiet Calculations, Loud Mandates

Publicly, leaders tout culture, collaboration, and innovation as RTO drivers. Privately, they’re looking at balance sheets. The acknowledgment that real estate contracts are shaping policy represents a critical moment in the evolution of work. The lease has become a tail wagging the dog of corporate flexibility.

Companies are balancing optics against reality. Only 32% of leaders expressed real concern about employees quitting over RTO mandates, while nearly half aren’t worried at all. This confidence suggests a strategic calculus: endure short-term pushback while maximizing existing investments, then pivot when those investments expire.

That pivot is already on the horizon. One in ten companies surveyed said they will lessen or completely eliminate RTO requirements once their current leases expire. And 23% plan to downsize their office footprint altogether. Among these companies, 32% will reduce the number of required in-office days, and 8% will drop RTO mandates entirely. The end of a lease, it seems, is a convenient time to align policy with employee preference—and operational efficiency.

A Temporary RTO Masking a Permanent Shift

The writing is on the wall. As leases lapse, companies are finally preparing to walk the talk on workplace flexibility. Matt Morgan, a seasoned California real estate professional quoted in the Resume.org survey, has observed this firsthand. He describes clients transitioning to shorter lease terms or flexible space options, with some reducing office space by 30% and reallocating funds toward tech infrastructure to support hybrid and remote models.

This evolution isn’t just anecdotal. It’s becoming embedded in strategic planning. According to another source quoted in the survey, Kwame Darko, a real estate investor focused on commercial properties, companies are reconsidering the purpose of office space itself. He sees three key forces at play: cost optimization, employee preferences, and evolving operational models. Together, they’re redefining what the office is—and what it’s not.

According to Jeff Dewing, CEO of Cloudfm, mandating an office return primarily serves to gratify executive egos and rationalize sunk costs in underutilized corporate real estate. He critiques the move as a validation of prior expenditures rather than a forward-looking strategy. Dewing practiced what he preached by divesting his own company of six out of eight offices post-lockdown, transforming the remaining two into “collaboration hubs” designed for occasional use by a predominantly remote and hybrid workforce.

Organizations are adopting new approaches like hot-desking, rotating team schedules, and purpose-built teamwork hubs. These are not gestures of generosity toward remote work; they are responses to unavoidable economic logic. Long leases are expensive artifacts of a different era. When those contracts end, so too will many companies’ commitments to keeping butts in seats just to fill square footage.

The Inevitable Reckoning with Office Reality

There’s a certain irony in how the return-to-office debate is unfolding. While companies publicly emphasize the intangible benefits of shared physical space, privately, their decisions are being shaped by the cold, tangible reality of commercial real estate. This duality is starting to crack, exposing a deeper truth: RTO, in many cases, is a short-term necessity born from long-term commitments that no longer make sense.

It’s a business decision that makes strategic sense, especially when weighed against the cost of empty square footage.

And once those leases are up? A transformation is coming—not just in policy, but in how companies define the workplace altogether. Offices won’t disappear, but their function and footprint will look markedly different. The remote and hybrid era isn’t just a blip. It’s a business decision that makes strategic sense, especially when weighed against the cost of empty square footage.

For organizational leaders, this is a call to action. The end of the lease is more than a contractual milestone—it’s a strategic inflection point. Forward-looking companies will use it to right-size their real estate, recalibrate their workplace expectations, and align their operations with the realities of modern work. For everyone else, the quiet part will keep getting louder until the cost of pretending it’s not about the lease is too high to ignore.

About the Author

Dr. Gleb TsipurskyDr. Gleb Tsipursky PhD, serves as the CEO of the hybrid work consultancy Disaster Avoidance Experts and authored the best-seller Returning to the Office and Leading Hybrid and Remote Teams. He was named “Office Whisperer” by The New York Times for helping leaders overcome frustrations with Generative AI. He serves as the CEO of the future-of-work consultancy Disaster Avoidance Experts. Dr. Gleb wrote seven best-selling books, and his two most recent ones are Returning to the Office and Leading Hybrid and Remote Teams and ChatGPT for Leaders and Content Creators: Unlocking the Potential of Generative AI. His cutting-edge thought leadership was featured in over 650 articles and 550 interviews in Harvard Business ReviewInc. MagazineUSA TodayCBS NewsFox NewsTimeBusiness InsiderFortuneThe New York Times, and elsewhere. His writing was translated into Chinese, Spanish, Russian, Polish, Korean, French, Vietnamese, German, and other languages. His expertise comes from over 20 years of consultingcoaching, and speaking and training for Fortune 500 companies from Aflac to Xerox. It also comes from over 15 years in academia as a behavioral scientist, with 8 years as a lecturer at UNC-Chapel Hill and 7 years as a professor at Ohio State. A proud Ukrainian American, Dr. Gleb lives in Columbus, Ohio.

Solving Cash Flow Challenges: How Eboost Partners Supports Small Business Growth

Cash flow management

Running a small business is all about courage, creativity… and a whole lot of perseverance. Yet even highly determined entrepreneurs can face cash flow hurdles.

Delayed customer payments, seasonal dips, or sudden expenses put heavy pressure on their budget. It often leads to a prolonged standstill that many businesses fail to survive.

The truth is, in today’s unpredictable economy, staying financially steady is more important – and more challenging – than ever. But how do you succeed?

That’s where Eboost Partners becomes a valuable ally. They step exactly in the moment business owners need support the most – offering clarity, stability, and a sense of ‘we’ve got you’ that makes all the difference.

When Cash Flow Tightens, Stress Rises – Eboost Partners Gets It

Many business owners share a universal experience: refreshing online banking a little too often, hoping an invoice finally lands.

It’s not mismanagement. It’s the reality of growth. Bills don’t wait. Staff needs to be paid. Opportunities can slip away simply because capital isn’t available at the right time.

Eboost Partners understands the emotional weight behind these challenges. They know you’re not just running a business – you’re building something meaningful. And you deserve financial solutions that respect that.

Tailored Funding That Fits Your Business Reality

Traditional lenders often miss the mark. Long processing times, rigid loan structures, and high barriers can make accessing capital feel impossible. Small businesses need something more dynamic – something that moves at their pace.

Right at the heart of Eboost Partners’ approach is a commitment to delivering Funding Solutions for Small Business that are as adaptable and ambitious as the owners they support. Their offerings are:

  • Fast – so you never miss out due to slow approvals.
  • Flexible – structured around your actual business rhythms.
  • Practical – helping you stay stable without unnecessary debt.

From covering operational shortages to fueling marketing campaigns or stocking up for busy seasons, Eboost Partners provides the capital that keeps momentum going.

A Financial Partner Who Talks With You, Not At You

What truly sets Eboost Partners apart is their personal approach. They don’t just look at numbers. They look at your goals, your challenges, and your potential instead.

Their team takes time to understand:

  • How your industry operates
  • The rhythm of your cash flow
  • Your long-term vision and scale plans

This isn’t just funding – it’s a partnership. You get dedicated assistants that celebrate your wins, help you stay ahead of risks, and guide you toward decisions that strengthen your business’s financial foundation.

Powering Growth Your Way

Growth looks different for everyone. Maybe you want to expand your team. Maybe you dream of opening a second location. Or maybe you simply want breathing room so you can plan instead of panic.

No matter the path, Eboost Partners provides the financial boost to make it possible. Their solutions help business owners move forward with peace of mind even during turbulent times.

With stability and expert guidance, you can combat any cash challenges and turn obstacles into momentum.

8 Leading Platforms Providing Institutional-Level Coverage of Global Macro Trends in 2026

Global Macro Trends

This article explores eight of the most advanced platforms offering institutional-level coverage of global macro trends for investors, financial institutions, commodity traders, and research teams. It highlights their strengths, differentiators, and use cases, with a spotlight on Permutable AI’s explainable narrative intelligence. The piece is aimed at decision-makers seeking deeper, real-time macro visibility across global markets.

Introduction

In an era defined by geopolitical volatility, supply-chain fragility, monetary-policy divergence, and rapid technological disruption, financial institutions increasingly depend on platforms that deliver institutional-level coverage of global macro trends. These systems now combine AI, data science, and deep domain expertise to give traders, risk managers, and economists a clearer view of how global narratives evolve across commodities, energy markets, currencies, equities, and digital assets.

Below is a high-authority guide to the leading platforms in 2026 offering sophisticated, real-time intelligence – each with unique strengths for the institutional market.

1. Permutable AI 

Permutable AI has emerged as one of the most advanced sources of institutional-level coverage of global macro trends thanks to its AI-powered Macroeconomic, Political and Natural Disasters Intelligence Feeds. Rather than scraping headlines or aggregating sentiment, Permutable transforms vast volumes of unstructured data into structured, real-time macro analytics that reveal how events influence market behaviour across asset classes.

The platform continuously ingests global economic releases, fiscal policy developments, central bank commentary, geopolitical tensions and natural disasters, converting them into explainable sentiment and impact metrics that institutional investors can act on. For hedge funds, global asset managers, and central banks, this provides an unparalleled lens into how macro shocks spread through currencies, commodities, index futures and bond markets.

Its decade-long historical dataset allows rigorous backtesting of macro strategies, while its Co-Pilot API enables programmatic access to structured macro news intelligence with millisecond latency. This makes Permutable AI a leading provider of institutional-level coverage of global macro trends and a top choice for teams seeking predictive intelligence rather than backward-looking indicators.

2. Bloomberg Terminal 

Bloomberg remains the industry standard for data, analytics, and news delivery at global scale. Its macroeconomic dashboards, real-time economic releases, FX overlays, and commodities intelligence give users comprehensive visibility across global markets. While not AI-first, Bloomberg continues to expand its machine-learning integrations.
Institutions rely on Bloomberg for its breadth, pricing data, and trusted institutional-level coverage of global macro trends.

3. Refinitiv 

Refinitiv’s Workspace platform provides robust analytical tools, economic forecasts, commodity flows, financial research, and real-time news. For macro strategists and risk teams, it offers customizable dashboards and historical modelling tools, helping users interpret global events with speed and discipline. Its strength lies in data completeness, making it a critical provider of institutional-level coverage of global macro trends.

4. FactSet 

FactSet combines traditional economic datasets with quant tools, portfolio analytics, and risk engines. Its macro surveillance tools allow users to evaluate shocks, scenario-test portfolios, and track global risk indicators. Because of its integrative modelling capabilities, FactSet remains a trusted contributor to institutional-level coverage of global macro trends for asset managers.

5. MSCI 

MSCI’s platform provides deep analytics on systemic risks, ESG-linked macro drivers, and geopolitical factors affecting global markets. Its climate stress models and multi-asset risk frameworks position MSCI as a leader in cross-border risk interpretation. For institutions tracking non-linear macro influences, MSCI delivers essential institutional-level coverage of global macro trends.

6. Oxford Economics 

Oxford Economics offers rigorous macroeconomic forecasts, country risk assessments, and long-horizon scenario analyses. Its models are widely used by banks, governments, and multinational corporations seeking structured insights into global conditions. As a research powerhouse, it supports clients with premium institutional-level coverage of global macro trends backed by academically grounded methodologies.

7. S&P Global Market Intelligence 

S&P provides deep intelligence on commodities, global supply networks, credit cycles, and regulatory trends. With extensive datasets and sector-specific research, S&P Global offers granular outlooks that complement traditional macro views.
Its supply-chain mapping tools make it indispensable for tracking institutional-level coverage of global macro trends tied to physical markets.

8. Capital Economics 

Capital Economics specialises in delivering timely macroeconomic commentary and forecasting across more than 100 markets. The firm’s independence and high-conviction approach make its insights widely trusted among institutional investors and government bodies. Its succinct analysis style contributes meaningfully to the landscape of institutional-level coverage of global macro trends.

The demand for real-time, data-rich, and explainable institutional-level coverage of global macro trends has never been higher. While legacy platforms continue to deliver essential data and modelling, new AI-driven systems – led by Permutable AI – are redefining how institutions understand and anticipate global market behaviour. Together, these eight platforms represent the most complete intelligence capabilities available to the world’s leading financial and commodity market participants.

European Leaders Push Ukraine Security Guarantees As Peace Talks Intensify

European officials are deepening efforts to shape the trajectory of ongoing peace negotiations between Kyiv, Washington and Moscow, seeking a settlement that protects the continent’s long term security interests. Their growing involvement reflects rising unease across EU capitals that decisions taken in Washington could prioritise speed over strategic stability.

This anxiety has sharpened as the United States continues to press for rapid progress in talks, even as recent diplomacy between US and Russian envoys produced few tangible results. A five hour meeting in Moscow between US envoy Steve Witkoff and Russian President Vladimir Putin last week failed to deliver momentum. Follow up discussions in Miami, where Zelensky’s chief negotiator Rustem Umerov met US officials for three days, ended with broad statements of “progress” but no breakthrough.

Complicating matters further, Trump claimed on Sunday that President Volodymyr Zelensky had not yet reviewed the revised deal. “I’m a little disappointed that President Zelensky hasn’t yet read the proposal,” he said, insisting that Putin was “fine with it”. Zelensky responded by noting that he expected a full briefing from Umerov during his meetings in London or Brussels. “Some issues can only be discussed in person,” he added.

Battlefield realities continue to underscore the urgency of diplomacy. From Sunday to Monday, 10 people were killed and 47 wounded as Russian strikes hit nine regions with drones, glide bombs and missiles. The Kremlin remains committed to its objectives. Last week, Putin reiterated his determination to seize full control of the Donetsk and Luhansk regions, of which Russia currently occupies roughly 85 percent. He also maintained opposition to any future path for Ukraine toward Nato membership.

European leaders fear that any rushed settlement could weaken Kyiv’s defenses while leaving the continent exposed to future aggression. The latest talks in London aimed to reinforce Europe’s presence in negotiations and prevent the continent’s interests from being sidelined in a US Russia compromise.

Speaking ahead of the discussions at Downing Street, UK Prime Minister Keir Starmer said a durable agreement must include “hard-edged security guarantees” for Ukraine. A spokesperson for his office later said: “The leaders all agreed that now is a critical moment and that we must continue to ramp up support to Ukraine and economic pressure on Putin to bring an end to this barbaric war.” The statement added that they “underscored the need for a just and lasting peace in Ukraine, which includes robust security guarantees”.

German Chancellor Friedrich Merz voiced reservations about elements of the emerging framework. He acknowledged he was “sceptical” about certain points in the US-backed proposal, but stressed the need for continued dialogue. France said that efforts would be “intensified” to secure a stronger protective framework for Kyiv.

The push for European involvement comes as Kyiv and Washington debate a revised peace blueprint. Ukrainian officials spent three days in Florida last week negotiating changes to the US proposal, which many in Ukraine have criticised as overly favourable to Russia. Zelensky said that the “most certainly anti-Ukrainian points have been removed” from the November draft, but acknowledged that compromise on territorial concessions had “not yet been found there”.

One of the most contentious issues is a US suggestion that Ukraine withdraw its forces entirely from eastern regions that Russia has tried, but failed, to fully capture. In exchange, Russia would pull troops back elsewhere and halt offensive operations. Zelensky maintains that conceding territory would reward aggression and leave Ukraine vulnerable to renewed attacks. “Americans are inclined, in principle, to finding a compromise,” he said, while emphasising that meaningful security guarantees remain unresolved.

Zelensky held meetings in London on Monday with Starmer, French President Emmanuel Macron and Merz to discuss the updated peace plan. All leaders stressed the need for stronger protective commitments to prevent future Russian assaults. After the talks, Zelensky traveled to Brussels for consultations with Nato officials and said Ukraine would present a revised proposal to the US on Tuesday.

The European push highlights a broader recognition that the outcome of these negotiations will shape the region’s security landscape for decades. As the war approaches its third year, with thousands of civilian and military casualties and Ukrainian cities still under near nightly attack, European leaders appear determined to influence the terms of any eventual settlement, ensuring it delivers not only a ceasefire, but long term stability for the continent.

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How “AI Workslop” is Draining Modern Enterprises

Woman feeling tired of AI workslop

By Dr. Gleb Tsipursky

A troubling phenomenon is spreading through corporate America, creating friction where artificial intelligence promised efficiency. Researchers at BetterUp and Stanford’s Social Media Lab coined the term “workslop” to describe AI-generated content that appears polished but lacks the substance to meaningfully advance any task. This represents more than a minor irritation. The research estimates that workers waste nearly two hours correcting or redoing each instance of workslop they receive, creating a financial burden that amounts to roughly $9 million annually for a company of 10,000 employees.

The damage extends beyond lost productivity. The research reveals that over half of workers who receive workslop report diminished confidence in their colleagues’ capabilities and reliability. This creates what researchers describe as a “sinking feeling of suspicion” that degrades collaboration across teams. When 54 percent view AI-using colleagues as less creative, 42 percent as less trustworthy, and 37 percent as less intelligent, the interpersonal costs may ultimately exceed the financial ones.

Artificial intelligence makes this productivity-draining behavior scalable, enabling the rapid creation of useless content with minimal effort.

The instinctive response targets either the technology itself or employee laziness, but this view misses the mark entirely. Workslop proliferates in environments where employees view AI as a mysterious “black box,” a powerful tool they feel pressured to use but do not truly understand. This pressure frequently stems from pervasive automation anxiety. Recent surveys show that 89 percent of workers express concern about AI’s impact on their job security, with 65 percent anxious that AI might replace their specific role. When workers see headlines about AI-driven layoffs and fear obsolescence, they engage in what becomes performative adoption.

This creates a toxic cycle. Individuals use AI to generate content quickly just to prove they are using it, regardless of underlying quality. The goal shifts from solving a business problem to simply checking the “used AI” box. One project manager explained the predicament: “Receiving this poor quality work created a huge time waste and inconvenience for me. Since it was provided by my supervisor, I felt uncomfortable confronting her about its poor quality and requesting she redo it. So instead, I had to take on effort to do something that should have been her responsibility.”

The result follows a predictable pattern. The sender saves a few minutes of effort while the receiver inherits hours of work trying to decipher, edit, or simply redo the task from scratch. Artificial intelligence makes this productivity-draining behavior scalable, enabling the rapid creation of useless content with minimal effort.

Forward-thinking organizations combat this trend by fostering an AI culture of agency and co-creation. The foundational principle proves simple but profound: people support what they create. Instead of treating employees as passive consumers of AI-generated content, this approach transforms them into active builders of their own AI solutions. By leveraging accessible no-code and low-code platforms, non-technical employees from departments like marketing, HR, or operations can design and construct AI assistants tailored to their specific, real-world workflows.

When an employee builds a tool, they must think critically about the entire process. They define a successful outcome, structure the necessary inputs, and iteratively refine prompts to ensure quality and relevance. The AI transforms from a mysterious black box into a transparent partner in solving a well-understood problem. This hands-on experience not only demystifies the technology but also instills a deep sense of ownership over the quality of output. Low-code platforms empower workers to build confidence while learning AI’s inherent limitations, which paradoxically increases their comfort and makes them more discerning critical thinkers.

This capability-building model has proven effective in practice. Consider the example of a mid-sized law firm where paralegals began using public AI tools for first drafts of legal documents. The results often contained boilerplate language that missed crucial jurisdictional nuances, creating significant friction and wasting senior attorneys’ billable hours. After shifting to a co-creation model, a team of paralegals and junior associates built their own “Contract Review Assistant,” training it on a curated library of the firm’s most successful briefs and contracts. The AI-assisted drafts became highly aligned with the firm’s standards from the start, reducing senior review time by 55 percent and recovering over 3,200 billable hours annually.

In another instance, a manufacturing company’s quality control team initially used a generic data analysis tool that produced reports too high-level to be actionable. The team then participated in a workshop where they built their own “Defect Tracking Bot,” designing it to cross-reference sensor data with maintenance logs. Because they designed the logic themselves, the bot produced specific, actionable insights, contributing to $1.2 million in savings from productivity gains and defect reduction in its first year.

Eradicating workslop requires a deliberate strategic shift from leadership. This begins by prioritizing strategy over tools, conducting readiness assessments to understand cultural and technical gaps before deploying any platform. Leaders should cultivate agency rather than dependency by framing AI as a set of building blocks and investing in training non-technical teams to create their own solutions.

Leaders should cultivate agency rather than dependency by framing AI as a set of building blocks and investing in training non-technical teams

Organizations must establish clear quality standards by facilitating team conversations about what constitutes high-quality, AI-assisted work and creating communities of practice where employees share best practices. Finally, measuring outcomes rather than just activity becomes crucial. Incentives should reward substantive results like tools that solve real problems, improve team collaboration, or enhance deliverable quality, not vanity metrics like the number of AI prompts generated.

Workslop signals a shallow and ultimately ineffective AI implementation. The path forward lies not in finding a better AI model but in adopting a more thoughtful leadership approach that empowers people, fosters a culture of creation, and builds genuine, human-centric AI capability. This represents the only sustainable path to turning technological potential into a true, defensible competitive advantage.

About the Author

Dr. Gleb TsipurskyDr. Gleb Tsipursky PhD, serves as the CEO of the hybrid work consultancy Disaster Avoidance Experts and authored the best-seller Returning to the Office and Leading Hybrid and Remote Teams. He was named “Office Whisperer” by The New York Times for helping leaders overcome frustrations with Generative AI. He serves as the CEO of the future-of-work consultancy Disaster Avoidance Experts. Dr. Gleb wrote seven best-selling books, and his two most recent ones are Returning to the Office and Leading Hybrid and Remote Teams and ChatGPT for Leaders and Content Creators: Unlocking the Potential of Generative AI. His cutting-edge thought leadership was featured in over 650 articles and 550 interviews in Harvard Business ReviewInc. MagazineUSA TodayCBS NewsFox NewsTimeBusiness InsiderFortuneThe New York Times, and elsewhere. His writing was translated into Chinese, Spanish, Russian, Polish, Korean, French, Vietnamese, German, and other languages. His expertise comes from over 20 years of consultingcoaching, and speaking and training for Fortune 500 companies from Aflac to Xerox. It also comes from over 15 years in academia as a behavioral scientist, with 8 years as a lecturer at UNC-Chapel Hill and 7 years as a professor at Ohio State. A proud Ukrainian American, Dr. Gleb lives in Columbus, Ohio.

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CFO's new mandate. CFO explaining the presentation

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