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China Travel Warning Threatens Japan’s Tourism Recovery and Economic Outlook

China and Japan

Japan’s already vulnerable economy faces fresh pressure after China urged its citizens to avoid travel to the country, a move that follows sharp diplomatic tensions triggered by Prime Minister Sanae Takaichi’s recent comments on Taiwan. The warning delivered on Friday sent tourism related Japanese stocks lower and raised concerns about long term fallout.

Mainland Chinese travelers have been the largest group of foreign visitors to Japan this year, totaling about 5.7 million, or nearly 23 percent of all inbound arrivals, according to the Japan National Tourism Organisation. Economists warn that a sharp drop in this flow could further strain an economy weakened by U.S. tariffs and a slump in property investment.

Takahide Kiuchi, executive economist at Nomura Research Institute, estimated that the tensions could wipe 1.79 trillion yen off Japan’s GDP over one year, a 0.29 percent hit. He noted that Chinese arrivals fell nearly 8 percent in 2013 during the dispute over the Senkaku, or Diaoyu, islands, and said a similar pattern could unfold again.

Travel spending remains a critical engine for growth. The Mastercard Economics Institute said inbound tourism added 0.4 percentage point to Japan’s 0.1 percent GDP expansion last year. Stefan Angrick, head of Japan at Moody’s Analytics, said that “a sharp drop in Chinese travel to Japan would sting.” He added that if Chinese visitor numbers were cut in half, GDP growth could slide by 0.2 percentage point. “Hardly catastrophic, but an unwelcome drag for an economy already struggling to find traction,” Angrick said.

Japan posted a 0.4 percent quarterly contraction from July to September, its first decline in six quarters. On an annualized basis, output shrank 1.8 percent.

The diplomatic rift began on Nov. 8 when Takaichi said a Chinese attempt to seize Taiwan by force would trigger a “survival-threatening situation” for Japan and potentially oblige Tokyo to aid U.S. warships in breaking a blockade. China’s consul general in Osaka, Xue Jian, fired back on X, saying “the dirty neck that sticks itself in must be cut off,” a comment later removed. Tokyo summoned China’s ambassador to protest the “extremely inappropriate” remark, and Beijing in turn summoned Japan’s envoy. China also issued travel advisories and stepped up maritime and drone activity near the Senkaku islands, prompting Japan to scramble fighter jets.

Chinese state media continued the criticism, with CCTV calling Takaichi’s remarks an “extremely egregious nature and impact” and a “gross interference in China’s internal affairs.” Beijing regards Taiwan as part of its territory and has not ruled out using force. Taiwan rejects Beijing’s claim and insists its people alone determine the island’s future.

Analysts say the tensions may persist for months. David Roche, president of Quantum Strategy, said the dispute will continue until Takaichi retreats from signaling possible Japanese military involvement over Taiwan. “This is a big red line for China,” he said, adding that Beijing sees the comments as a clear sign Japan may join efforts to deter China. He noted that even Washington maintains “strategic ambiguity” under the 1979 Taiwan Relations Act, which says the U.S. “would consider any effort to determine the future of Taiwan by other than peaceful means” a serious concern but does not commit to its defense.

Tobias Harris, founder of Japan Foresight, said neither government can easily back down. Taiwan’s importance to Beijing and Takaichi’s insistence that she did not shift policy leave little room for compromise. Harris said the Japanese leader may actually benefit politically from holding firm, with approval ratings at 69 percent as of Nov. 16, among the highest in modern Japanese history.

Experts warn the clash could evolve into a “THAAD-like episode,” referring to China’s retaliation against South Korea in 2016 after the deployment of the U.S. Terminal High Altitude Area Defense system. That episode included boycotts, blocked group tours, and a “soft ban” on K-pop, causing years of strain. Observers say the current dispute could inflict a similar chill on political ties, economic links, and people to people exchanges.

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The Genesis of Israeli Utra-apartheid

social discrimination concept with many little white paper men around a different one on wooden base and dark background front view

By Dan Steinbock             

Unlike South African apartheid which backed supremacy and exploitation, Israeli apartheid condones ethnic cleansing, even mass atrocities – as evidenced by the obliteration of Gaza and anti-Palestinian violence in the West Bank.

On November 10, the Israeli parliament passed the first reading of a bill to impose the death penalty on Palestinian prisoners convicted of killing Israeli individuals, with 39 votes in favor and 16 against out of 120 members.

The bill would make it mandatory for Israeli courts to impose death penalty against individuals convicted of killing an Israeli “either intentionally or recklessly” if the act is motivated by “racism or hostility towards the public” and “committed with the objective of harming the state of Israel or the rebirth of the Jewish people.”

The shift towards requiring courts to impose the death penalty against Palestinians is a dangerous and dramatic step backwards and a product of ongoing impunity for Israel’s system of apartheid.”

The controversial and murky bill has been widely condemned by international and Palestinian human rights organizations and prisoners’ groups. As Amnesty International put it, “The shift towards requiring courts to impose the death penalty against Palestinians is a dangerous and dramatic step backwards and a product of ongoing impunity for Israel’s system of apartheid and its genocide in Gaza.”

However, as I have argued (here and here), such shift would be consistent with the Israeli far-right’s redemptionist dreams of Jewish supremacy and Greater Israel, which the Netanyahu cabinet has effectively condoned. It would also codify the move beyond classic apartheid.

Institutionalization of apartheid   

In South Africa, racial discrimination against black people began with large-scale colonization over four centuries ago. By the early 19th century, British settlers began to colonize the frontier regions. As takeoffs accelerated in in the late 19th century Europe, South Africa industrialized on the back of mining and infrastructure investment. But the Mineral Revolution was a revolution by, of and for the white colonial settlers.

Following the European powers’ scramble for Africa, the Anglo-Zulu War and two Boer Wars, the Boer republics were incorporated into the British Empire. Meanwhile, South Africa began to introduce more segregationist policies towards non-whites. The goals were reflected by the Afrikaans term apartheid (“separateness,” or “apart-hood”).

After the 1948 all-white elections, the National Party enforced white supremacy and racial separation. When the South African republic was established in 1961, it withdrew from the British Commonwealth.

International counter-reaction, black resistance

A year later, the UN General Assembly passed resolution 1761, which requested member states to break off diplomatic relations and cease trading with South Africa and to deny passage to South African ships and aircraft.

A special committee was set up calling for a boycott of South Africa. Though initially ignored, it found allies in the West, including the UK-based Anti-Apartheid Movement.

By 1973, the UN General Assembly agreed on the International Convention on the Suppression and Punishment of the Crime of Apartheid. In the process, “apartheid was declared to be a crime against humanity, with a scope that went far beyond South Africa.”

Popular uprisings ensued in black and colored townships in 1976 and 1985. But it wasn’t until the mid-1990s that the last vestiges of apartheid were abolished, and a new constitution was promulgated into law: one person, one vote.

South Africa and Israel as “apartheid states”          

The apartheid association between South Africa and Israel is not something new. After the UN vote against the South African apartheid in the early 1960s, the country’s prime minister Hendrik Verwoerd was particularly annoyed by Israel’s vote against South Africa’s segregation.

“Israel is not consistent in its new anti-apartheid attitude,” Verwoerd lamented. “They took Israel away from the Arabs after the Arabs lived there for a thousand years. In that, I agree with them. Israel, like South Africa, is an apartheid state.”

In effect, martial law had been imposed on the Arab citizens of Israel from 1948 to 1966, and it continues to be intermittently enforced to the present.

Effectively, the Israeli government imposed various restrictions on Palestinians, including on their mobility, with security checkpoints set up to enforce these permits allowing entry. Meanwhile, requests for government services for Arab Israelis were directed to military courts instead of civil courts. These measures were subsequently adopted in the occupied territories, particularly the West Bank.

Subsequently, the UN adopted the (non-binding) Declaration on the Elimination of All Forms of Racial Discrimination, sponsored mainly by the Arab League, the Soviet bloc and many new African states.

After the 1967 Six-Day-War and the Israeli occupation of Gaza and the West Bank, Palestinian resistance intensified, domestically and internationally. 

The debate on Israeli segregation   

Following the Yom Kippur War, the UN General Assembly’s Resolution 3236 recognized the Palestinian people’s right to self-determination, inviting the Palestine Liberation Organization (PLO) to participate in international diplomacy.

The oil crisis in 1975 paved the way to resolution 3379, which stated that “Zionism is a form of racism and racial discrimination.” In the UN, Israeli ambassador Chaim Herzog, the future president of Israel, stated the decision was “devoid of any moral or legal value.” Then, he tore the resolution in half.

At the end of the Cold War, Resolution 3379 was revoked by the UN Resolution 46/86, introduced by U.S. President George H. W. Bush. It contributed to Israel’s sense of impunity and the rise of its Messianic far-right. But Bush’s UN address wasn’t just about Zionism and racism. It was about wheeling and dealing. The revocation was Israel’s precondition for participation in the Madrid Conference of 1991, which paved the way to the Oslo Accords – which the Netanyahu cabinets have shunned ever since then.

In 2021, Isaac Herzog, the son of Chaim Herzog, became Israel’s president. When South Africa launched its genocide case against Israel, he declared it a “blood libel” against Jews. Later he shredded the UN Charter in protest of the UN General Assembly vote to boost the status of the Palestinian mission.

And yet it was in 2021 that Human Rights Watch warned that Israel had crossed the apartheid threshold. Many Israeli leaders agreed. A year later, Israel’s former attorney general, Michael Ben-Yair, said that “my country has sunk to such political and moral depths that it is now an apartheid regime.”

Two years later, he was seconded by the former speaker of the Israeli parliament, Avraham Burg. A month before the October 7 offensive, Mossad’s ex-chief Tamir Pardo concurred: “There is an apartheid state here,” since “two people are judged under two legal systems.”

In the case of South African apartheid, international restrictions fostered domestic opposition. But in the case of Israel, those measures proved soft. It was the ineptitude of the international community that reinforced the marginalization of the Israeli anti-apartheid opposition and the rise of Netanyahu’s far-right cabinet in late 2022.

Apartheid and ultra-apartheid   

In South Africa and Israel, apartheid rule has sought to crush all opposition by fragmenting territories, restricting mobility, forcing inequality and imposing segregation. Under the Likud and Netanyahu governments, Israel has been morphing into an apartheid state and its occupied territories into Palestinian Bantustans.

Yet, there are major differences with classic apartheid as enforced in South Africa and its Israeli version in the occupied territories. Apartheid policies can be formal and legal as in South African apartheid, or informal and semi-legal as in Israel’s treatment of the Palestinians.

In apartheid South Africa, a white minority dominated a black majority, whereas in Israel a Jewish majority discriminates against a Palestinian minority, keeping the Palestinians under military occupation.

Third, in South Africa, the objective of apartheid was to sustain a system of racial segregation in which one group is deprived of political and civil rights, and exploited as low-cost labor. During apartheid rule, the per capita income of South African blacks relative to the whites climbed from 8.6 to 13.5 percent. The Palestinians’ starting point relative to the Israelis was almost twice as high in percentage terms. But even before October 7, 2023, it had plunged to a lower level than that of South Africa’s blacks at the end of apartheid rule.

But the ultimate difference between South African apartheid and Israel’s ultra-apartheid is ethnic cleansing – as a prelude to worse.

The ultimate difference   

Unlike classic apartheid and its territorial fragmentation, degree of formality and labor exploitation, Israeli apartheid aims further. Since the UN Partition Plan, its ultimate purpose has been the Judaization of Arab Palestine and the drastic expansion of Israeli borders. Apartheid is an instrument to that goal.

Going beyond the norm, ultra-apartheid officially shuns classic apartheid, yet benefits from the low-cost labor while ultimately seeking its obliteration.

Apartheid South Africa was willing to live with segregated, exploited and underprivileged black people. By contrast, since the late 1970s, the Israeli system has sought to use segregation as an interim instrument to ethnically cleanse the occupied territories through Palestinian displacement, dispossession and, if necessary, abject devastation.

In this sense, Israeli apartheid differs from South African apartheid. It is ultra-apartheid. In Latin, ultra means “beyond”, or “on the far side of.” Going beyond the norm, ultra-apartheid officially shuns classic apartheid, yet benefits from the low-cost labor while ultimately seeking its obliteration.

Today, ultra-apartheid is the inspiration of settler violence in the West Bank and the “judicial reforms” by the Netanyahu cabinet, to accelerate the transformation of the secular and democratic Jewish state into a religious and autocratic regime.

The original version was published by Informed Comment (US) on November 18, 2025.

About the Author

Dr Dan SteinbockThe author of The Obliteration Doctrine (2025) and The Fall of Israel (2024), Dr 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/  For the books and related commentaries, see https://www.differencegroup.net/new-books

Why AI Agents Aren’t Replacing Remote Workers Anytime Soon

AI Agent

By Dr. Gleb Tsipursky

The demos look slick, the promises even slicker. In slides and keynotes, agentic assistants plan, click, and ship your work while you sip coffee. Promoters like McKinsey call it the agentic AI advantage.

Then you put these systems on real client work and the wheels come off. The newest empirical benchmark from researchers at the Center for AI Safety and Scale AI finds current AI agents completing only a tiny fraction of jobs at a professional standard

Benchmarks, Not Buzzwords, Describe Reality

Headlines say “agents are here.” Data says otherwise. The new Remote Labor Index (RLI), a multi-domain benchmark built from 240 real freelance-type projects across 23 categories, reports an automation rate topping out at 2.5 percent across leading agents, meaning almost all deliverables would be rejected by a reasonable client. The dataset spans design, operations, BI, audio-video, game development, CAD, architecture, and more, reflecting the work that actually shows up in remote markets, not cherry-picked lab tasks.

The point is not that AI fails everywhere. RLI documents scattered wins in text-heavy data visualization, audio editing, and simple image generation.

The point is not that AI fails everywhere. RLI documents scattered wins in text-heavy data visualization, audio editing, and simple image generation. But the failures are systematic. Reviewers cite empty or corrupt files, missing assets, low-grade visuals, and inconsistencies across deliverables, the kinds of misses that doom client work regardless of clever reasoning traces. These aren’t close calls. Inter-annotator agreement sits at 94.4 percent for the accept-or-reject decision, so we are not talking about taste.

If you need a concrete sense of difficulty, the benchmark’s human reference projects averaged 28.9 hours to complete, with a median of 11.5 hours and an average price of $632.6. Those are realistic project sizes. They include work like a World Happiness Report dashboard, a 2D promo for a tree services firm, 3D animations for new earbuds, an IEEE-formatted paper, an architectural concept for a container home, and a “Watermelon Game”-style casual web game. This is the right yardstick for agent claims. a

Other grounded evaluations tell a similar story, such as the WebArena benchmark. And in software, SWE-bench shows that turning model skill into working patches across real repositories remains hard without tight scaffolding.

Tasks Automate: Projects Still Require Adults In The Room

When I work with companies on AI adoption, I push a simple framing. Use AI to do well-scoped tasks inside a project, not to run the project. That rule aligns with the published evidence from benchmarks. The RLI team notes pockets of success in content drafting, audio cleanup, image assets, and basic data visualization, which pair nicely with human review in marketing, product, and analytics teams. In my client work, this shows up as faster ad variants, cleaner query logic, quicker explainer scripts, and first-pass chart code that a developer can polish.

Contrast those gains with multi-hour, multi-file builds that require iterative verification. In METR’s HCAST findings, agents succeed 70–80 percent on tasks humans do in under an hour, and under 20 percent on tasks that take humans more than four hours. That is the difference between automating a component and carrying a project across the finish line.

This gap explains why the RLI authors also track a relative “Elo” progress signal, which rises over time even as absolute project completion stays low. Improvement is real. Hype overstates what that improvement means for near-term automation of whole projects.

Plan For Augmentation Now, Not Mass Replacement

Hype has a business model. The agentic AI advantage storyline promises proactive, goal-driven assistants that automate complex processes across the firm. Markets respond to bold claims, then teams inherit the risk. Gartner even warns that more than two out of five so-called agentic initiatives will be scrapped by 2027 due to unclear value and rising costs, a wave of “agent washing” where conventional tooling gets relabeled as autonomy.

The balanced plan is to redesign work so humans direct, verify, and integrate agent outputs, then let evidence guide scope increase. OpenAI’s GDPval report shows that with human oversight, frontier models are approaching expert quality on carefully defined, economically valuable tasks. That supports staffing models where you automate slices of jobs, not the jobs themselves. It also matches early labor data. A recent Stanford employment analysis reports wage gains in AI-exposed roles without broad, immediate job loss, consistent with a world where AI changes task mix before it wipes out occupations.

Expect headcount to shift as pieces of marketing, writing, programming, and analysis take fewer people, while roles that specify goals, judge quality, and integrate outputs become more central.

The near-term playbook is straightforward. Use AI to reduce cycle time on repeatable tasks. Assign owners to verify outputs. Track acceptance rates and defect types, the same way the RLI evaluators categorized corrupt files, missing components, inconsistent renders, and low-quality assets. Expect headcount to shift as pieces of marketing, writing, programming, and analysis take fewer people, while roles that specify goals, judge quality, and integrate outputs become more central. On current trend lines, more capable AI agents will arrive over the next few years, helped by scaffolded workflows and better tool use, yet the evidence says whole-project autonomy for general remote-capable work is not a short-term outcome, regardless of hype from McKinsey and others.

Conclusion

Agentic AI is exciting, but real benchmarks beat glossy promises. The Remote Labor Index shows tiny automation rates on the kinds of projects companies actually pay for, backed by strong evaluation methods and consistent with other grounded benchmarks on web and desktop tasks. Progress will continue, and the smart move is to treat agents as force multipliers inside projects while humans stay accountable for outcomes. Leaders who adopt with discipline will bank the gains today and be ready for tomorrow without buying into a bubble.

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.

Fed Officials Signal Growing Concern Over Weakening U.S. Job Market

Two senior Federal Reserve policymakers warned Monday that the labor market is losing strength, sharpening the debate over whether the central bank should deliver another rate cut at its final meeting of the year.

Fed governor Chris Waller said he supports lowering interest rates next month, arguing that a softening job market is now a greater risk than a resurgence in inflation. He signaled that upcoming data, including the September jobs report due this week, is unlikely to change his view.

“The data leads me, at this moment, to support a cut in the FOMC’s policy rate at our next meeting on December 9 and 10 as a matter of risk management,” Waller said in a speech titled “The Case for Continuing Rate Cuts.” He added that “a December cut will provide additional insurance against an acceleration in the weakening of the labor market and move policy toward a more neutral setting.”

Waller said he believes the labor market is “still weak and near stall speed,” pointing to Labor Department figures from May through August that showed job creation slowed sharply. After revisions, he said it is likely employment actually declined during that period. He argued that weaker demand for workers, rather than reduced labor supply from lower immigration, is driving the downturn.

He also dismissed concerns that data uncertainty should delay action, adding that he sees no signs of rising wage growth, increasing job openings or a higher quits rate that would suggest a worker shortage rather than weakening demand.

Fed vice chair Philip Jefferson struck a more cautious tone. While acknowledging that “downside risks to employment have increased” relative to inflation pressures, he urged a slower pace in easing.

“The current policy stance is still somewhat restrictive, but we have moved it closer to its neutral level that neither restricts nor stimulates the economy,” Jefferson said in a speech in Kansas City. He stressed that “the evolving balance of risks underscores the need to proceed slowly as we approach the neutral rate.”

Jefferson noted that the central bank may receive limited government data ahead of the Dec. 9 to 10 meeting because of delays linked to the recent shutdown, saying that a “meeting-by-meeting approach” is “an especially prudent approach” in the current environment.

He said inflation may have stalled around 3 percent due to tariffs, but he still expects the tariff impact to be a one time price increase instead of the start of broader inflation pressures. He pointed to unemployment insurance claims that have moved sideways in recent weeks and said anecdotal evidence on the labor market remains mixed.

Waller said inflation data through September continued to show only small effects from tariffs, reinforcing his view that tariffs are raising prices temporarily rather than driving a sustained rise. Excluding these effects, he believes inflation is close to the Fed’s 2 percent goal.

He also cited “soft” data such as the steep October decline in consumer sentiment measured by the University of Michigan. He noted the drop was broad based across demographic groups, except among stockholders, and added that past declines in sentiment have often preceded recessions.

Their remarks highlight growing divisions inside the Fed. Kansas City Fed president Jeff Schmid and Boston Fed president Susan Collins have recently voiced concerns about cutting rates further, warning that inflation remains too high.

Market expectations for a December rate cut have fallen sharply. Traders now see a 42 percent chance of easing next month, down from 94 percent only a month ago, as uncertainty builds over how the Fed will interpret weakening labor data and sticky prices.

Related Readings:

How Philippines Chose to Sideline Climate Security

Houses in the Philippines destroyed by Typhoon

By Dan Steinbock             

In climate risk rankings, the Philippines is ground zero. Yet, given the choice to redefine the notion of security in 2022, it chose to shun it.

Despite seven decades of climate denialism, funded primarily by the world’s largest energy giants in the United States and, to a lesser degree, in Western Europe, the elevated risks associated with climate change and extreme weather events are today widely recognized.

In the climate risk and disaster rankings, the Philippines is not just any other nation. The disaster-prone archipelago nation is ground zero of climate disaster risk.   

World’s greatest disaster-risk zone  

The World Risk Index 2025 indicates the disaster risk for 193 countries, or over 99% of the global population. The Philippines is once again at the top of the Index; way ahead of other disaster-prone countries, including India, Indonesia, Colombia, Mexico and Myanmar.

Thanks to its great geographic fragmentation and extraordinarily high exposure to weather-related extremes, the Philippine risk profile is characterized by a variety of natural hazards, with river and coastal flooding playing a particularly central role.

Even before the recent typhoons, the findings showed that the country’s exposure is particularly high in regions with flat topography, high population density, and inadequate drainage infrastructure.

And when extreme weather events are on the rise, vulnerable communities are bearing the brunt.

Floods are among the most severe hazards of our time — with devastating consequences for people, infrastructure, and ecosystems. Climate change is exacerbating this threat. And when extreme weather events are on the rise, vulnerable communities are bearing the brunt. In the Philippines where half of the population defines itself as poor, the implications are severe.

Furthermore, uncontrolled urbanization, industrial agriculture as a driver of soil degradation, and inadequate preventive measures further increase the vulnerability of many regions – not to mention pervasive corruption.

The Philippines is a textbook case of what happens when disaster risk is amplified.

Figure 1: The World Risk Leader: The Philippines

The World Risk Leader: The Philippines
Source: WorldRiskIndex 2025

Increasing GDP losses are coming   

Climate change poses major risks for development in the Philippines, with temperature increases, changing rainfall patterns, and rising sea levels that hamper economic activities, damage infrastructure, and induce deep social disruptions. Just one example: According to the National Mapping and Resource Information Authority (NAMRIA), sea level in Metro Manila has risen by an average of 8.4 millimeters a year from 1901 until 2022, almost three times the global average of 3.4 mm/year in the same period.

Projections made by the Intergovernmental Panel on Climate Change’s (IPCC) suggest that temperatures in the Philippines will continue to increase by about 1-2°C by the end of the 21st century, depending on the climate scenario. (I believe that these estimates may actually prove conservative because the IPCC modeling downplays feedback effects. The climate impact is likely to hit harder, earlier and broader than expected.)

According to World Bank’s 2022 Philippines report, annual losses from typhoons are estimated to reach 1.2% of the GDP and as much as 4.6% of GDP in extreme cases like Super Typhoon Yolanda (Haiyan) in 2013. After all, variability and intensity of rainfall are likely to increase. And extreme events will become stronger and more frequent.

Figure 2: The High Economic and Human Costs to Come

The High Economic and Human Costs to Come
Source: The Philippines World Bank Climate and Development Report, 2022

The economic damages in the Philippines could reach up to 7.6% of GDP by 2030 and 13.6% of GDP by 2040. While climate change effects will vary across and within regions, all sectors will be affected.

And yet, even today the scarce economic resources in the Philippines are too often misallocated (rearmament drive instead of inter-state diplomacy), mismanaged (neoliberalism instead of human security) and misplaced (corruption instead of people’s welfare).

As World Bank warned in 2022, “policy inaction would impose substantial economic and human costs, especially for the poor.” 

Could the government have opted an alternative policy approach that would have tackled the devastating climate losses? Yes. But that approach was deliberately killed – ironically, in the name of national security.

The promise of human security

From the standpoint of disaster risk and extreme climate, one of the most inspiring appointments after the election of 2022 was that of Clarita Carlos to serve as President Marcos Jr’s National Security Adviser. She was the first female and the first civilian to lead the institution.

Upon assuming office, Carlos, a highly-regarded political scientist, planned to undertake a “human security” approach that focuses more on the daily lives of the Filipinos. It was the right idea in the right time and in the right place.

Historically, this broader view of human security builds on the 1994 Human Development Report by the UN Development Program, which equated it “with people rather than territories and with development rather than arms.” [my italics, DS]

Accordingly, threats to human security may be classified into economic, food, health, environmental, personal, community, and political security. This approach would encourage the government to focus its strengths on its greatest enemy: the risk of climate disaster.

But what about the South China Sea tensions? During Carlos’s reign, the Philippines reaffirmed its commitment to international law and the rule of law in inter-state relations. In territorial maritime disputes, Manila would defend its views by being at the forefront of diplomatic efforts aiming at ASEAN-China South China Sea Code of Conduct.

The objective was to ensure peace and stability in the region, while focusing on economic development that had made Asia the global growth engine. That, in turn, is vital to garner the resources to fight the climate disaster risks in the coming decades.

Yet, that’s when the government made its U-turn.

Ignoring the climate focus   

In mid-January 2023, Carlos resigned after the president relayed to her “some information” which she could not disclose in public “because it is a delicate national security issue.”

As she acknowledged two weeks later, she had been opposed by the military since day one. In contrast to Carlos, the military saw as the prime security issue “the perceived external threat beyond our shores.”

The longer it will take to embrace a human security approach, the heavier will be the penalties of disaster risks.

Barely a day after Carlos’s interview, President Marcos Jr granted U.S. wider access to military bases. Soon thereafter, the Duterte-Marcos alliance fell apart, mud-slinging superseded politics as usual, former President Duterte was deported to the Hague, ASEAN unity was undermined, geopolitical tensions soared and Filipinos’ livelihoods were ignored.

The longer it will take to embrace a human security approach, the heavier will be the penalties of disaster risks and extreme weather as the Philippines continues its descent into the ground zero of extreme climate.

But that course is not inevitable. It, too, could be reversed. After all, climate risk is not just a political matter. In the Philippines, it is an existential issue.

The original version was released by The Manila Times on November 16, 2025.

About the Author

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

The Ultimate Goal of Jewish Settler Violence in the West Bank

Violence in the West Bank

By Dan Steinbock             

In October, amid the two-year anniversary of the Gaza genocide, Jewish settler attacks on Palestinians in the West Bank hit an all-time high. And they will escalate – as long as they are allowed by U.S.-led West.

On Thursday dawn, Israeli settlers set fire to the Hajja Hamida Mosque in the Palestinian village of Deir Istiya in the north of the West Bank. Photographs taken at the scene showed racist, anti-Palestinian slogans sprayed on the walls of the mosque, which was damaged in the blaze. Copies of the Quran – the Islamic holy book – were also burned.

October 2025 recorded the highest monthly number of Israeli settler attacks since the UN Humanitarian office (OCHA) began documenting such incidents in 2006. That’s more than 260 attacks resulting in casualties, property damage or both – an average of eight incidents per day.

Reminiscent of the Gaza atrocities, one in every five Palestinians killed by Israeli forces in 2025 across the West Bank, including East Jerusalem, is a child.

During this olive harvest season, settler violence has reached the highest level recorded in recent years, with the injury of more than 150 Palestinians and the vandalism of over 5,700 trees.

It is ethnic cleansing aiming at involuntary population transfer and, unless disrupted, mass atrocities.

This violence is not a fringe phenomenon. It is deliberate, systematic and escalatory. Shunning all international condemnation, it seeks to establish new “facts on the ground.” It is ethnic cleansing aiming at involuntary population transfer and, unless disrupted, mass atrocities.  

From vigilantes to state terror   

At the beginning of 2024, Zvi Sukkot, Knesset member of the Religious Zionist Party and a colleague of the self-proclaimed fascist Bezalel Smotrich, urged the government to “occupy, annex, and demolish all the houses [in Gaza], and build large neighborhoods and settlements.” It sounded harsh, but the zealot was consistent. He had a dream. What happened in Gaza would not stay there but spread to the West Bank.

A far-right Jewish settler living illegally in the West Bank, Sukkot is a former member of The Revolt, a violent Jewish terror group, which has engaged in numerous arson attacks. The group advocates the dismantling of the Israeli state to establish the Kingdom of Israel that follows Jewish Law rather than the rule of (secular) law.

In 2010, Sukkot was arrested in an investigation of a mosque arson and expelled from the West Bank for violent anti-Palestinian attacks. He had defended Jews suspected of firebombing a Palestinian family and been arrested for alleged involvement in “price tagging”; that is, vandalism and violent settler attacks against Palestinians.

As of 2017, the group was still active, in what the Shin Bet internal security agency calls “the second generation of…The Revolt.”

By early 2023, Sukkot had made it to the Knesset, the Israeli parliament. And after October 7, Prime Minister Netanyahu appointed him to chair the Knesset Subcommittee for “Judea and Samaria” (read: the West Bank).

https://www.facebook.com/trtworld/videos/far-right-israeli-knesset-member-to-head-subcommittee-on-the-occupied-west-bank/357092423383774/

To the settlers, Sukkot is a success story reflecting the march of extremist settlers to the Israeli institutions in the past two decades.

As a member of The Revolt, Sukkot could only firebomb a few Palestinians, mosques and churches. It wasn’t efficient. Now he is in a position to shape the future of the land. He is no longer fighting those in charge. He is in charge.

How did the Messianic far-right march into institutions they once hoped to pull to pieces? Ostensibly, democratically. With the rise of the Jewish dual state, the Netanyahu cabinets have subverted the secular democratic state. The parallels are alarming. Similar trajectories broke the back of the Weimar Republic a century ago.

Ironically, the Israeli settlement policy was first developed by the Labor governments, which paved the way for the foxes to take over the henhouse.

The rise of Jewish settlements   

Since the 1970s there has been a tacit collusion between the Israeli state and the settlers. It is a symbiotic system. The state takes over land, while the settlers, who seek land to further their agenda, engage in violence against Palestinians to achieve their expulsion.

Occasionally, the two cooperate directly, but the preference is to retain an arm’s length distance, to preserve the semblance of the rule of law. The ultimate aim of settler violence is to foster Greater Israel; that is, a Jewish-only space between the Jordan River and the Mediterranean.

A new stage ensued in 2018, when the Basic Law codified that “the State views the development of Jewish settlement as a national value, and shall act to encourage and promote its establishment and strengthening.” In keeping with this principle, Israel has dispossessed Palestinians in the West Bank to use their land to build new settlements and to expand existing ones.

According to international law, an occupier must not confiscate land for the needs of the occupier. So, Israel came up with the legal acrobatics of “declaring” instead of “confiscating” land. Based on a subversion of the Ottoman land law from 1858, this bizarre interpretation allowed Israel to take over 16 percent of the West Bank prior to October 7; or 500 to 5,000 dunams per year. Amid the Gaza genocide in the first half of 2024, declarations of state land shot to 24,000 dunams. In other words, while Gaza was burning, Israeli occupation authorities were rushing to take over the West Bank.

Under the labor coalition, the number of settlements grew slowly until the election triumph of the Israeli hard right in the late 1970s. That’s when Prime Minister Begin initiated a huge and purposeful settlement policy to take over the West Bank. In the process, the Jewish settler population soared from a few thousands to over half a million in the West Bank prior to October 7, 2023.

Source: Israeli CBS

In parallel, Israeli governments have encouraged increasing Jewish settlement in Jerusalem. Since 1967, it has more than tripled to 600,000, whereas the number of Palestinians is close to 390,000. The tacit objective has been to maximize the number of Jewish settlers in the West Bank, while increasing the Jewish population in Arab East Jerusalem.

Settler violence   

Following the rise of Netanyahu’s far-right cabinet in late 2022, the efforts to achieve Jewish supremacy in the West Bank have escalated dramatically. Taking advantage of the Gaza War, groups of violent settlers have carried out organized operations to expel Palestinian communities, through threats, intimidation, property damage, and physical assaults.

Settler Violence Incidents

Settler Violence Incidents
Source: Author, data from OCHA (Jan 2006- Oct 2025)

Until recently, Israeli and international media have characterized instances of settler violence as “rampages,” which suggests violent but uncontrollable behavior, involving a large group of people. In reality, the violence has been systemic and coordinated.

After the settler violence in Huwara in February 2023, Maj. Gen. Yehuda Fuchs, head of the military’s Central Command in charge of the West Bank, described the rampage as “a pogrom done by outlaws.” He deliberately used the term referring to mob attacks against Jews in Eastern Europe at the turn of the 20th century. As a result, Fuchs himself was targeted for assassination by Kahanite settlers, according to Shin Bet. It wasn’t the first time. In 2007, then-prime minister Ehud Olmert lashed out at settlers in Hebron, who attacked Palestinians and their property. Like some other Israeli leaders, Olmert called the attacks a pogrom, which made him the target of far-right settlers, supported by U.S. billionaires like the late casino tycoon, Sheldon Adelson.

Referring to antisemitic violence in Russia, the term “pogrom” is usually defined as an officially tolerated organized massacre. In this sense, the pogroms by the Jewish settlers in the West Bank are indeed reminiscent of those in Kishinev and elsewhere, as many Israelis suggest.

<a style=”color: #999999;” href=”https://www.tiktok.com

Today, Palestinians know exactly what will follow when Jewish settlers burst into Arab neighborhoods crying for the “Death to the Arabs!”

Settlements as a Security Burden   

Ever since the 1970s, the settlers and their U.S. financiers have argued that the settlements ensure Israel’s security. In this view, settlers allow the residents of Tel Aviv to breathe easy because the settlements are good for national security.

The line of defense that the Israeli Defense Force (IDF) is required to protect is today about five times the length it would be without the settlements.

In reality, the settlements are a security burden for Israel. ln the past decades, there have been no major war between Israel and its Arab neighbors. Yet, due to the Separation Wall and fragmentation of the West Bank, the line of defense that the Israeli Defense Force (IDF) is required to protect is today about five times the length it would be without the settlements.

Stunningly, before October 7, the IDF had to deploy more than half its active forces, and in crisis situations even two-thirds of them, in the West Bank. That was more than the forces allocated to guarding all other fronts combined (Lebanon, Syria, Gaza, and the Jordanian border along the Arava).

Worse, these allocations had to be coupled with a large contingent required to protect the settlements. According to estimates, some 80 percent of IDF forces in the West Bank were allocated to settlement guard duty, while the only 20 percent focused on defending the borders of the pre-1967 Israel.

Furthermore, the IDF presence and operations have contributed to several major uprisings, which penalized economic prospects in Israel as well. If Israeli military presence in southern Lebanon was the architect of Hezbollah, its presence in the West Bank and Gaza has served as the midwife of Hamas.

The brutal occupation has divided Israel internally and isolated it externally. It is responsible for the ethnic cleansing of Palestinians and the genocidal atrocities in Gaza. None of this was inevitable. None of it was warranted.

And none of it could have happened without the continuous flows of arms and financing by the U.S.-led West.

A version of the commentary was published by Informed Comment (US) on November 15, 2025.

About the Author 

Dr Dan SteinbockThe author of The Obliteration Doctrine (2025) and The Fall of Israel (2024), Dr 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/  For the books and related commentaries, see https://www.differencegroup.net/new-books

Creative Ideas for Teen Bedroom Walls

Bedroom Wall
Image from Costa Cover

Designing a teen bedroom can be both exciting and challenging. Teenagers often want their personal space to reflect their evolving tastes, hobbies, and identity, while parents look for functionality and longevity. Cute wallpapers for teens provide the perfect balance – offering personality, color, and versatility without permanent commitment. From playful patterns to stylish graphics, these wallpapers allow teens to express themselves and transform their rooms into inspiring, comfortable spaces. 

Why Wallpaper Matters in a Teen Room

Teen bedrooms are more than just sleeping areas-they are study zones, creative studios, social hubs, and safe havens. Walls that are lively, expressive, and visually engaging can enhance the mood, encourage creativity, and create a sense of ownership for the teen. Cute wallpapers, in particular, bring color, fun, and personality to these spaces. Patterns like stars, florals, whimsical animals, or modern graphics can make a bedroom feel vibrant without overwhelming the senses.

Bedroom Wall
Image from Costa Cover

Theme-Based Inspiration

Choosing a theme is an effective way to create cohesion in a teen bedroom. Some popular ideas in 2025 include:

  • Nature-Inspired Walls: Soft floral, leafy, or sky motifs bring calm and freshness to a room. These designs work well for both study areas and relaxation corners.
  • Pop Culture & Hobbies: Wallpapers reflecting music, movies, gaming, or sports let teens showcase their interests while keeping the room stylish.
  • Abstract & Geometric Patterns: Bold shapes and color blocks provide energy and modern flair, suitable for teens who prefer contemporary aesthetics.
  • Pastel & Soft Tones: Gentle pinks, blues, or lavender hues paired with subtle patterns create a cozy, soothing environment for sleep and study.
Bedroom Wall
Image from Costa Cover

Creative Layouts and Wall Ideas

Wallpaper doesn’t need to cover every wall. Mixing and matching different techniques can make a space feel dynamic:

  1. Accent Walls: Highlight one wall behind the bed or desk with a bold wallpaper to create a focal point.
  2. Half-Wall Design: Apply wallpaper to the lower half of the wall and paint the upper half, providing balance and flexibility.
  3. Murals & Feature Zones: Use murals for gaming corners, study nooks, or reading areas to visually define sections of the room.
  4. Mixing Patterns: Combine different wallpapers for a playful, eclectic look-just ensure color tones complement each other.

Functional Considerations

While aesthetics are important, teen bedrooms also need to be practical. Removable wallpapers, like peel-and-stick options, are ideal for growing teens whose tastes change rapidly. Durable, washable surfaces make it easier to maintain a clean and inviting space. Light-reflecting finishes can help brighten darker rooms, while textured patterns add dimension without requiring extra decor.

Bedroom Wall
Image from Costa Cover

Personalization Tips

Encouraging teens to participate in the design process ensures their personality shines through. Add shelves to display favorite books or collectibles, pinboards for personal achievements, and artwork that complements the wallpaper’s design. Layering textiles-like rugs, cushions, and bedding – can enhance the room’s atmosphere while keeping it cozy and functional.

Creating a Room That Evolves

Teenagers’ tastes evolve quickly, and their room should evolve with them. Choosing cute wallpapers allows for an easy update when preferences change, offering flexibility and long-term value. With creative combinations, thoughtful layouts, and personalized accents, teen bedrooms can remain engaging, comfortable, and reflective of their unique identity throughout the years.

For a wide range of designs and inspiration to transform teen bedrooms into fun, expressive, and stylish spaces, visit CostaCover and explore the full collection of wallpapers for teens.

The photos in the article are provided by the company(s) mentioned in the article and are used with permission. 

Human Synergy is the Gen AI Secret Weapon

Business professionals in a modern office discussing artificial intelligence strategy. A woman wearing a VR headset gestures while presenting. Concept of innovation, technology, and AI integration.

By Dr. Gleb Tsipursky

The integration of Generative AI (Gen AI) is rapidly transforming industries, offering unprecedented opportunities for innovation and efficiency. However, the true potential of Gen AI can only be unlocked, and its challenges can only be overcome, through a culture of collaboration and shared success. A truly impactful Gen AI strategy requires a collaborative ecosystem where employees from diverse departments work together to harness the technology’s potential.

The true potential of Gen AI can only be unlocked, and its challenges can only be overcome, through a culture of collaboration and shared success.

This collaborative approach accelerates adoption, breaks down organizational silos, and ensures that Gen AI is strategically aligned with business goals. When employees from different departments work together to harness the potential of Gen AI, they not only accelerate the adoption of new technologies but also create a sense of unity and shared achievement. Collaboration encourages knowledge-sharing, reduces organizational silos, helps manage risks, and ensures that Gen AI tools and projects are applied comprehensively to meet the company’s strategic goals. 

Key Strategies to Unlocking the Gen AI Secret Weapon of Collaboration

  1. Cross-Functional Teams: Forming cross-functional teams is crucial for developing well-rounded Gen AI solutions. These teams bring together employees from various departments, such as marketing, operations, IT, finance, and HR, fostering diverse perspectives and expertise. For instance, a team of customer service and data analytics personnel could collaborate on developing a Gen AI-driven tool for sentiment analysis, leading to more robust and customer-centric applications.
  2. Regular Forums and Workshops: Creating platforms for regular interaction, such as lunch-and-learn sessions, hackathons, or dedicated “Gen AI Innovation Days,” facilitates knowledge sharing and experimentation. These forums provide opportunities for employees to collaborate on specific challenges, experiment with Gen AI tools, and learn from both successes and failures. These regular interactions also help break down silos between departments, encouraging cross-pollination of ideas and creating a more integrated approach to Gen AI implementation.
  3. Mentorship Programs: Pairing experienced employees with those new to Gen AI through mentorship programs accelerates knowledge transfer and builds strong internal networks. A data scientist could mentor a marketing professional on leveraging Gen AI for customer segmentation, providing practical guidance and fostering continuous learning. Mentorship not only helps spread Gen AI knowledge more broadly across the organization but also builds strong relationships and networks that enhance collaboration.
  4. Robust Internal Communication: Establishing a strong internal communication network is essential for sharing information and resources related to Gen AI. Dedicated intranet pages, Slack channels, or other digital platforms can serve as central hubs for Gen AI-related discussions, enabling employees to connect and collaborate across departments and geographies. This enhanced communication directly supports both idea submission and recognition efforts, as employees are more likely to engage in platforms where they see active discussions and shared learnings.
  5. Sharing Success Stories: Publicizing successful Gen AI projects through internal newsletters, intranet articles, or company-wide meetings demonstrates the tangible impact of Gen AI and reinforces the value of collaborative efforts. By showcasing how teamwork leads to meaningful outcomes, organizations can inspire other teams to explore similar opportunities and participate more actively in Gen AI initiatives.
  6. Targeted Recognition Programs: Implementing recognition programs that specifically focus on teamwork and collaboration in Gen AI projects further strengthens a culture of shared success. Awards like a “Gen AI Collaboration Award” recognize cross-functional teams and provide a model for others to emulate.
  7. Documenting and Sharing Best Practices: Creating case studies or internal white papers based on successful Gen AI projects builds a knowledge repository that employees can reference. These documents should detail the project’s goals, the collaborative process, the Gen AI tools used, and the outcomes achieved.
  8. Cultivating a Psychologically Safe Environment for Experimentation: Fostering a culture where experimentation and open communication are encouraged is essential. Employees should feel comfortable sharing results, discussing challenges, and learning from both successes and failures without fear of criticism.

Client Case Study: Transforming a Mid-Sized Law Firm with Gen AI Collaboration

Consider a mid-sized law firm specializing in corporate law, with approximately 100 staff, including partners, associates, paralegals, and administrative staff. The firm faced increasing pressure to improve efficiency, manage growing volumes of legal documents, and maintain a competitive edge in a rapidly evolving legal landscape. While individual lawyers explored various Gen AI tools for tasks like legal research and document drafting, these efforts were fragmented and lacked a cohesive strategy. This resulted in duplicated efforts, inconsistent adoption of technology, and a failure to fully leverage the potential of Gen AI.

As a consultant, I worked with the firm over a six-month period to implement a collaborative approach to Gen AI integration. We began by doing a survey and focus groups to diagnose problems, and then forming a cross-functional “Gen AI Steering Committee” of six members. This committee included two partners (one specializing in litigation and the other in contract law), one senior associate, one paralegal, the IT manager, and the firm’s head of professional development. This diverse group ensured that various perspectives and needs within the firm were represented.

The committee’s initial task was to identify key areas where Gen AI could provide the most significant impact. After conducting surveys and workshops with the broader firm, we prioritized two key areas: contract review and legal research. The firm was handling an increasing volume of complex contracts, and the manual review process was time-consuming and prone to human error. Similarly, legal research was a significant time investment for associates, often involving sifting through vast amounts of case law and legal documents.

The committee decided to focus on implementing two specific Gen AI solutions:

  1. Gen AI-Powered Contract Review Tool: This tool was trained on a large dataset of the firm’s past contracts and legal precedents. It could automatically analyze new contracts, identifying potential risks, inconsistencies, and deviations from standard clauses.
  2. Gen AI-Enhanced Legal Research Platform: This platform leveraged Gen AI to provide more targeted and efficient legal research. It could analyze complex legal queries, summarize relevant case law, and identify potentially relevant documents that might have been missed with traditional search methods.

To ensure successful implementation, we focused on fostering collaboration and knowledge sharing within the firm:

  • Training and Workshops: We conducted comprehensive training sessions for all lawyers and paralegals on how to use the new Gen AI tools effectively. These sessions emphasized hands-on practice and provided opportunities for users to ask questions and share best practices.
  • Mentorship Program: We established a mentorship program pairing tech-savvy lawyers with those less familiar with Gen AI. This peer-to-peer support system facilitated knowledge transfer and encouraged adoption across the firm.
  • Internal Communication Platform: We created a dedicated Slack channel for Gen AI-related discussions, allowing lawyers and staff to share tips, ask questions, and collaborate on using the new tools.
  • Pilot Projects and Feedback Loops: We launched pilot projects in both contract review and legal research, allowing small teams to test the Gen AI tools in real-world scenarios. We established regular feedback loops to gather user input and make necessary adjustments to the tools and training materials.

After six months of implementation, the firm saw significant positive outcomes:

  • Contract Review Efficiency: The Gen AI-powered contract review tool reduced the average time spent on contract review by 40%. This freed up lawyers’ time to focus on higher-value tasks, such as client interaction and strategic advising.
  • Improved Contract Accuracy: The tool also reduced the number of errors and inconsistencies in contracts by 25%, mitigating potential legal risks for the firm and its clients.
  • Reduced Research Time: The Gen AI-enhanced legal research platform reduced the average time spent on legal research by 30%, allowing associates to complete research tasks more quickly and efficiently.
  • Increased Associate Satisfaction: Surveys conducted after the implementation showed a 38% increase in associate satisfaction, with many reporting that the new tools had made their work more efficient and less tedious.
  • Increased Partner Confidence: Partners expressed increased confidence in the accuracy and efficiency of legal work by more junior associates, particularly in contract review and legal research. This enabled the partners to empower associates to take on more complex and demanding components of legal cases.
This holistic approach not only accelerates the adoption and effective use of Gen AI but also builds a more connected, innovative, and future-ready organization.

The collaborative approach to Gen AI implementation was crucial to the firm’s success. By involving representatives from all levels of the firm, fostering open communication, and providing ongoing training and support, we were able to overcome initial resistance to change and create a culture of shared ownership and adoption of Gen AI technologies. This case study highlights the importance of collaboration in unlocking the true potential of Gen AI within a professional services organization.

Conclusion

Promoting a culture of collaboration and shared success is paramount for maximizing the impact of Gen AI initiatives. By implementing the strategies outlined in this article, leaders can create an environment where Gen AI thrives, driving innovation, efficiency, and organizational resilience. This holistic approach not only accelerates the adoption and effective use of Gen AI but also builds a more connected, innovative, and future-ready organization.

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.

How to Choose the Right API-Driven Digital Wallet Solution

White label digital wallet

The world of payments is evolving faster than ever. Customers no longer want to stand in queues or depend on traditional banking hours. They expect instant, secure, and affordable transactions anytime, anywhere. 

According to Statista, global digital wallet transaction value is projected to surpass $14 trillion by 2027, proving how quickly people are shifting to digital-first experiences.

Now, imagine being a bank or fintech in this race. Your customers expect flawless transactions across channels, while regulators demand airtight compliance. 

A single disruption, delay, or failed transaction can cost you trust, and in the digital era, trust is everything. That’s where API-driven digital wallet solutions make all the difference.

These solutions don’t just help you keep up with market demand; they help you lead it. They enable faster integration, real-time transactions, and interoperable systems that connect your services across borders. 

Choosing the right one isn’t just about technology; it’s about setting the foundation for growth, scalability, and customer loyalty.

So, how do you ensure you pick the right one? Let’s break it down in today’s blog.

In this blog, you will learn about how to choose the right API-driven white label digital wallet solution.

So, let’s get going.

Key factors to consider when choosing a digital wallet API

Before selecting a solution, you must evaluate some crucial aspects. These factors will directly impact your ability to provide seamless and secure digital payment services. 

So, let’s have a look at them.

Security and compliance standards

Your wallet must meet global security standards and local compliance regulations. Hence, you must look for features like PCI DSS certification, tokenization, and strong encryption to protect sensitive data.

Interoperability across multiple payment channels

Your customers want freedom in payment. They expect to pay through cards, QR codes, UPI, or mobile wallets. And you should choose a digital wallet API that supports multiple payment methods without friction.

Scalability to handle high transaction volumes

As your user base grows, so will your transaction volume. And that’s why your digital wallet API must scale smoothly to handle millions of transactions without delays or failures.

Flexibility and customization options

Every business is different. Therefore, you need an API that allows you to tailor features like user interface, loyalty programs, and add-ons as per your business model.

Integration with core banking and third-party systems

Seamless integration is a must for your business. And the right API connects easily with your core banking systems, CRMs, and third-party services without heavy development costs.

Cost-effectiveness and long-term ROI

Don’t just look at upfront costs only. Evaluate the total cost of ownership, including scalability, upgrades, and maintenance. A slightly higher investment today can save you recurring costs in the future.

Essential features of a robust digital wallet API

Beyond factors, you must check if the wallet offers critical features that guarantee performance and reliability. These features define how smooth your customers’ experience will be.

Seamless onboarding and eKYC verification

Friction in onboarding means abandoned sign-ups. Hence, ensure your API supports fast, paperless, and compliant eKYC to build trust from the start.

Real-time transaction processing

Your customers expect instant payments from you. That’s why you should choose an API that ensures real-time settlements without errors or downtimes.

Multi-currency and cross-border support

Your users may transact globally. And that’s why you must support multiple currencies and real-time forex conversions, as it is important in your system, it ensures you don’t lose customers to competitors.

Advanced fraud detection and risk management

Fraud can damage your reputation in seconds. So, look for features like AI-driven risk scoring, transaction monitoring, and instant alerts to protect your platform.

Analytics and reporting capabilities

Data drives your business decisions, as your entire business depends on your customers’ user experience. And APIs that provide real-time dashboards and reporting help you monitor performance, identify risks, and improve strategies.

How the right digital wallet API impacts your business

Once you choose the right wallet API, you unlock long-term business advantages. These benefits go beyond transactions and directly support your growth.

Enhance customer experience

A smooth and reliable wallet builds loyalty for you. This way, your customers stay when they enjoy faster payments, personalized features, and hassle-free usage.

Drive faster digital transformation

With a robust wallet API, you can speed up innovation. Plus, new services, partner integrations, and market launches become easier and faster for you.

Support seamless global expansion

Expanding to new regions becomes easier with an API that supports cross-border payments, compliance, and multiple currencies.

Conclusion

In the modern digital-first economy, your customers expect nothing less than speed, security, and simplicity. 

The right digital wallet API makes this possible while helping you stay compliant, scalable, and profitable. But the wrong choice can hold back your growth.

That’s why choosing a trusted partner matters. 

A robust wallet partner can deliver you proven digital payment solutions designed to help banks, fintechs, and financial institutions like yours succeed. 

With secure, scalable, and easy-to-integrate wallet APIs, you get the freedom to focus on growth while we handle the complexity.

Your customers are ready for seamless payments. Are you ready to give it to them?

Take the next step to unlock your growth with your right digital wallet API today.

BBC Apologises to Trump Over Edited Clip as Lawsuit Threat Looms

BBC London Headquarters

The BBC apologised to former US President Donald Trump on Thursday for an edited Panorama segment that fused separate parts of his 6 January 2021 speech and “gave the mistaken impression that President Trump had made a direct call for violent action.” The corporation rejected his demand for $1 billion in compensation and said it would not re-air the 2024 programme.

The issue triggered the resignations of director general Tim Davie and head of news Deborah Turness on Sunday, deepening the crisis at the broadcaster. BBC News has requested comment from the White House.

The apology came hours after the Daily Telegraph highlighted a second edited clip, aired on Newsnight in 2022, that similarly stitched together different lines from the same speech.

In its Thursday evening Corrections and Clarifications notice, the BBC said a review found the Panorama edit “unintentionally created the impression” of a continuous passage. “We accept that our edit unintentionally created the impression that we were showing a single continuous section of the speech,” it said.

A spokesperson confirmed that BBC lawyers had written to Trump’s legal team in response to a letter received Sunday. “BBC chair Samir Shah has separately sent a personal letter to the White House making clear to President Trump that he and the corporation are sorry for the edit of the president’s speech on 6 January 2021,” the spokesperson said, while emphasising that “we strongly disagree there is a basis for a defamation claim.”

The segment in question combined Trump’s lines “We’re going to walk down to the Capitol, and we’re going to cheer on our brave senators and congressmen and women” with his later remark “And we fight. We fight like hell.” In Panorama, the edit presented the lines as one continuous statement.

Speaking to Fox News, Trump said the speech had been “butchered” and argued that viewers had been “defrauded.”

His lawyers have demanded a “full and fair retraction,” an apology and financial compensation for alleged harm. They set a deadline of 22:00 GMT Friday. In its reply, the BBC outlined five reasons it believes the defamation threat lacks merit.

The corporation argued the programme did not air on its US channels and was available only in the UK. It said the broadcast caused no harm, citing Trump’s re-election soon after, and maintained the clip was shortened for editorial purposes rather than to mislead. It also said the 12 second excerpt appeared within a much broader documentary containing voices supportive of Trump. Finally, it noted that opinions related to political matters are strongly protected under US defamation law.

A BBC insider said staff believe firmly in the strength of the corporation’s case.

Earlier Thursday, the Telegraph reported that a 2022 Newsnight segment also joined separate lines from the speech. Afterwards, former White House chief of staff Mick Mulvaney said the edit had “spliced together” remarks that were not delivered consecutively.

A BBC spokesperson said the broadcaster “holds itself to the highest editorial standards” and is reviewing the issue.

Trump’s legal team told the Telegraph it is “now clear that BBC engaged in a pattern of defamation against President Trump.”

The controversy intensified after the leak of an internal memo by a former adviser to the BBC’s editorial standards committee, which also criticised the broadcaster’s coverage of other sensitive topics.

Related Readings:

Trump - Lawsuit Gavel

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