As extreme climate is evolving into the new norm in the Philippines, it will exacerbate the political and economic storms, which loom ahead.
As typhoon Tino (Kalmaegi, internationally) left over 200 Filipinos dead while affecting nearly 2 million people, President Marcos Jr declared “a state of national calamity.”
After the super typhoon Uwan (Fung-Wong) will add to the devastation, mass protests against huge flood control corruption are expected in the country.
In 2022, the Marcos Jr government pledged it would build on the legacy of the Duterte years and make Filipinos more prosperous and more secure. Critics claim both objectives have failed.
Billions of dollars lost to corruption
On July 27, Senator Panfilo Lacson warned that half of the 2 trillion pesos ($17 billion) allocated to the Department of Public Works and Highways (DPWH) for flood control projects may have been lost to corruption in the past 15 years.
And yet, almost in parallel, President Marcos Jr stated his administration had implemented over 5,500 flood control projects and announced new plans amounting to more than $10 billion over the next 13 years.
Ever since then, Manila’s political class has been swept by allegations on corruption, mismanagement, and irregularities in government-funded flood management projects. In August, the Senate Blue Ribbon Committee launched a high-profile investigation into the irregularities, focusing on the “ghost” projects, license renting schemes and contractor monopolies.
Corruption has long been pervasive in Philippine politics, economy and society. In the Corruption Perception Index, the country has consistently scored among the worst in the region. Even in peacetime, it is at par with the civil war-torn Sierra Leone and oil-cursed Angola.
In the era of former President Duterte, corruption fight was spotlighted. Now it thrives again. According to surveys, 81% of Filipinos believe corruption has worsened since martial law was declared 53 years ago. It is compounding misguided economic policies.
Rising trade deficits, slowing investment
In the Duterte era, exports were led by electronics, with significant growth in tourism and business process outsourcing. Those times are now gone.
In the Duterte era, the effort was to attract multinationals, particularly Chinese firms, to serve as anchor companies that would foster Philippine suppliers. But due to the government’s geopolitics, Chinese – and increasingly Western – multinationals see too much economic and geopolitical risk in the country. And so, the investments that could have come to the Philippines have gone to Vietnam, Malaysia and Thailand in the region.
In Southeast Asia, Chinese tourism has played a vital role in the post-pandemic recovery. Before the pandemic, Chinese tourists accounted for 40-60% of the regional total.
Subsequently, regional recovery was fueled by Chinese tourism. The only exception? The Philippines.
In 2019, Chinese tourist arrivals in the country soared to over 1.7 million. As of September 2025, the Philippines has reported less than 204,000 Chinese arrivals for the year, a figure that is far, far below the government target. The country was banking on a 2-million visitors from China.
The sharp decline is attributed to geopolitical tensions, the suspension of the e-visa program, even safety concerns.
Even if the 2025 total would climb closer to 300,000, that would be just 15-20% of the 2019 level. It’s a catastrophic missed opportunity.
Sources: Trade deficits: Author, Philippine Statistics Authority; Tourism: Author, National Statistical Coordination Board Philippines; Exchange rate: Bangko Sentral ng Pilipinas
BPO outsourcing at risk
Digital economy is a major component of the GDP. But in the absence of domestic ICT anchor firms, the sector is at the mercy of Western offshoring. And that spells huge trouble at a time, when the West prioritizes trade wars, as evidenced by Manila’s costly losses in US tariff wars.
Meanwhile, geopolitics has alienated investments by Chinese ICT giants, which could have catalyzed ICT ecosystems in the country.
And there’s worse ahead. The Philippine outsourcing sector is a $30 billion industry that accounts for 7% of the Philippines’ GDP and commands 15% of the global market. Yet, one-third of its jobs in the Philippines are at risk from artificial intelligence (AI), with those in the BPO sector most vulnerable. Sadly, college-educated, young, urban, female, and well-paid workers in the services sector will be most exposed.
In addition to AI, US protectionist initiatives could perfect the jobs devastation in the Philippine outsourcing industry. Introduced in July, the bipartisan “Keep Call Centers in America Act” proposes to penalize US companies that offshore a significant portion of their call center jobs. The recent Halting International Relocation of Employment Act (HIRE Act) aims to curb outsourcing by imposing a 25% excise tax on payments to foreign workers.
If these realities kick in, US vulture capitalists can be expected to target and short the Philippines, which could compound challenges, as in the past.
Economic growth, missed opportunities
In early 2024, US news agency Bloomberg asked President Marcos Jr whether the Philippines could achieve an 8% growth rate. “Why not?” the president replied. “Yes, I think it is, I think it is doable.”
Yet, at the time, GDP year-on-year growth decelerated to barely 5.2%.
Have things got better? No.
In 2025, the government’s target was reduced to 5.5-6.5%. Just weeks ago, the International Monetary Fund (IMF) downgraded the Philippine growth projection to 5.4% this year. More recently, economic growth slowed to just 4.0% in the third quarter – the slowest since early 2021, when the COVID-19 pandemic caused a contraction.
Unsurprisingly, critics claim the incumbent economic policies have failed. Here’s a thought experiment about the extent of that failure. During the Duterte era, Philippine GDP increased from $329 billion to $404 billion, despite the pandemic plunge. On the back of that performance, IMF expected Philippine GDP to climb close to $640 billion by 2028.
Current IMF estimates suggest that by 2028, Philippine GDP would be less than $560 billion. So, the government is set to underperform by $80 billion.
That’s the cost of missed opportunities – although the final cost could prove higher.
Dr. Dan Steinbockis 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
Taking a brand new car home is a big moment. In the excitement, the dealer may offer to add an insurance policy before you roll out. Saying yes is pleasing, but the choice you make now will shape your premium, claim experience, and peace of mind for the following year.
This honest comparison looks at dealer-provided insurance versus arranging your own new car insurance, weighing convenience, cost, flexibility, and support at claim time so you can decide what truly suits your budget, driving needs, and plans for the year ahead.
Why Dealer-Provided Insurance Feels Convenient
Dealer teams often have tie-ups with insurers, so they can:
Finish proposal forms along with the vehicle paperwork.
Start the cover from the exact delivery time, which some buyers find reassuring.
Add popular extras in a ready-made pack, such as zero depreciation, engine protection, and roadside assistance.
Offer hand-holding at claim time through their workshop relationship.
Why Buying Your Own Policy Gives You More Control
Sorting out new car insurance yourself opens up a choice. You can compare plans, tailor add-ons to your usage, and see a clear price and benefit breakdown. The primary wins are:
Custom fit: City driving, highway runs, monsoon-heavy regions, or regular night travel all call for different add-ons.
Flexibility on the insured value: You can check the declared value and ensure it reflects your comfort level on risk and premium.
Clarity on deductibles and limits: A lower upfront price sometimes hides a higher excess or tighter caps on parts.
The Must-Have Checklist for Policy Comparison
Use this quick checklist to weigh cover type, add-ons, insured value, and claims support, so your new car insurance fits your budget and day-to-day driving.
Third Party or Comprehensive
Every vehicle in India needs third party car insurance at a minimum. It protects against legal liability to others. For a new vehicle, most owners prefer comprehensive cover, which includes own-damage protection.
Add-Ons that Matter for a New Vehicle
Pointers:
Zero depreciation: Reduces your out-of-pocket expenses on plastic, fibre, and rubber parts.
Engine and hydrostatic lock protection: Worth considering in flood-prone zones.
Consumables cover: Covers small parts that add up during repairs.
Roadside assistance: Useful for long trips and late-night breakdowns.
Insured Value and Deductibles
Check the declared value and the compulsory and voluntary deductibles. A slightly higher voluntary deductible can shorten the premium, but only choose it if you are comfortable paying that amount during claims.
Cashless Network and Claims Help
Look for cashless garages near where you live and where you drive often. Ask about digital claim filing, pick-up and drop-off, and whether the workshop handles documentation for you.
When a Dealer Policy Makes Sense
Pointers:
You need delivery without delay and do not want to misrepresent quotes.
Your company lease or loan mandates a packaged plan for the first year.
You value the dealer’s single point of contact for claims through their workshop.
A Simple Way to Decide in the Showroom
Ask the dealer to share the full proposal sheet and the premium split. Then, before you sign:
Confirm start time and delivery time align, so you are covered the moment you take possession.
Check the cancellation and refund process if you change your mind before registration.
Ensure the policy carries your details exactly as per registration documents to avoid claim delays.
Set Yourself Up for a Smooth Renewal
Good renewal planning saves money and stress later:
Review your driving pattern; remove add-ons you did not use and add ones you now need.
Keep your no-claim bonus certificate safe if no claim is filed; it can lower your next premium.
If the car will be used less in the coming year, consider adjusting coverage, but think carefully before dropping own-damage on a relatively new vehicle.
The Role of Third-Party Car Insurance Over Time
Minimum third-party car insurance keeps you legally compliant. For a brand new vehicle, comprehensive cover is usually the sensible route. As the car ages, some owners revisit the mix. Until then, safeguarding the value of a new purchase with a well-built plan tends to pay off during repairs and parts replacement.
Final Thoughts
Buying your own plan wins on choice, transparency, and long-term control. For most Indian buyers, the smart move is to compare like for like, choose comprehensive cover with the right add-ons, and make an informed call rather than a hurried one. Treat new car insurance as part of your buying decision, not an afterthought. A few careful checks today will reward you throughout the year, and when it matters most during a claim.
The rapid advancement of generative AI (Gen AI) presents both a tremendous opportunity and a significant challenge for organizations. To fully capitalize on this transformative technology, leaders must prioritize continuous learning and development, ensuring their workforce possesses the skills and knowledge necessary to thrive during workplace transitions.
By doing so, leaders will empower employees to embrace innovation and drive organizational success.
The Foundation: Gen AI Demands a Growth Mindset
Leaders can cultivate this mindset by providing ample opportunities for ongoing education and development.
At the heart of any successful continuous learning initiative lies a growth mindset. This belief that abilities and intelligence can be developed through dedication and hard work is essential for employees to embrace the challenges inherent in mastering new technologies like Gen AI, as a McKinsey report shows.
Leaders can cultivate this mindset by providing ample opportunities for ongoing education and development. This includes:
Targeted Training Programs: Offering access to advanced Gen AI courses, specialized workshops, and professional certifications focusing on the latest tools and techniques.
External Exposure: Sponsoring attendance at industry conferences and seminars to expose employees to cutting-edge developments and best practices for improving effectiveness and efficiency while ensuring ethical Gen AI deployment and managing risks.
Recognition and Rewards: Recognizing and rewarding learning achievements to sustain engagement and motivation. When employees feel valued for their efforts to expand their knowledge, they are more likely to continue investing in their own development.
Integrating Learning into the Workflow
Making continuous learning a seamless part of daily work routines is crucial. This ensures that learning is not viewed as a separate activity but rather as an ongoing process embedded in employees’ everyday tasks. Strategies for integration include:
Embedded Resources: Integrating learning resources, such as Gen AI tutorials, videos, and knowledge bases, directly into the tools and platforms employees use regularly, such as the company intranet or project management software.
Dedicated Learning Time: Scheduling regular “learning sprints” or “innovation hours” to allocate specific times for upskilling or experimenting with new tools, without the pressure of usual responsibilities.
Practical Application and Experimentation to Meet Gen AI Demands
Encouraging employees to immediately apply new knowledge in their work is vital for reinforcing learning and demonstrating its practical benefits. When employees use newly acquired skills in real-world scenarios, they are more likely to retain that knowledge and gain confidence. This can be achieved by:
Real-World Projects: Tasking employees with applying newly learned Gen AI techniques to current projects after completing relevant training. This immediate application solidifies understanding and showcases the tangible benefits of continuous learning.
Fostering Experimentation: Creating an environment that supports experimentation and innovation. Allowing employees the freedom to explore new ideas and test out the latest Gen AI tools can lead to breakthrough innovations.
Safe Testing Grounds: Providing access to sandbox environments or pilot projects where employees can safely experiment with new Gen AI tools before deploying them on a larger scale. This minimizes risk and encourages exploration.
Case Study: Transforming a Mid-Size Manufacturing Company with Gen AI
As a consultant specializing in organizational learning and development around the future of work, I recently worked with a mid-sized manufacturing company of about 250 staff looking to integrate Gen AI into their operations. The firm faced challenges in upskilling their workforce to effectively utilize these new technologies. Over a six-month deployment period, we implemented the following strategies:
Growth Mindset Training (Months 1-2): We conducted four two-day workshops (averaging 20 participants per workshop) emphasizing the growth mindset and its importance for embracing Gen AI. Pre- and post-workshop surveys revealed a 35% increase in employees’ self-reported confidence in learning new technical skills. This helped employees overcome initial anxieties and approach Gen AI with a more positive and receptive attitude.
Embedded Learning Platform (Month 2 onwards): We integrated Gen AI tutorials, short videos (averaging 5 minutes each), interactive quizzes, and a searchable knowledge base directly into their existing project management software (used by 100% of production staff). Usage metrics over the six months showed an average of 12 learning module completions per employee per month, with peak usage immediately following training sessions and prior to project implementations.
Pilot Project Implementation (Months 3-6): We launched a pilot project with a team of 15 maintenance technicians applying Gen AI-driven predictive maintenance techniques to their CNC machining centers. This provided a practical application of their new skills. Over the pilot period, we observed a 15% reduction in unplanned downtime on the targeted machinery, translating to an estimated cost savings of $75,000 in lost production time and repairs. The accuracy of predictive maintenance alerts increased from 60% (using previous methods) to 92% with the Gen AI system, reducing false alarms and wasted technician time.
Innovation Hour Initiative (Months 3-6): We implemented weekly “Innovation Hours” (one hour per week, participation optional) where employees could explore new Gen AI tools and experiment with different applications. Average weekly attendance was 30 employees. Over the six months, these sessions generated 12 distinct process improvement ideas, three of which were selected for further development and implementation. One implemented idea, using Gen AI for optimized material cutting layouts, resulted in a 5% reduction in raw material waste, equating to approximately $20,000 in material cost savings over three months of implementation.
Cultivating a continuous learning culture focused on Gen AI is not merely a trend but a necessity for organizations seeking to thrive in the age of AI.
Due to these interventions, the company saw not only a significant increase in employee engagement with Gen AI and a more proactive approach to leveraging it for business advantage, but also realized substantial cost savings and efficiency gains within a relatively short timeframe. This case study demonstrates the powerful impact of a structured, multi-faceted approach to upskilling and integrating Gen AI within a manufacturing environment.
Conclusion
Cultivating a continuous learning culture focused on Gen AI is not merely a trend but a necessity for organizations seeking to thrive in the age of AI. By fostering a growth mindset, integrating learning into the workflow, encouraging practical application and experimentation, and providing safe testing grounds, leaders can empower their workforce to embrace Gen AI and drive innovation. As the case study demonstrates, these strategies can lead to tangible results, transforming organizations into agile and adaptable entities ready to harness the full potential of this transformative technology. By investing in continuous learning, organizations are not just investing in their employees; they are investing in their future.
Seamless conversion between fiat and cryptocurrency is one of the most important pillars of a functioning digital economy. For businesses and institutions, reliable on- and off-ramp infrastructure determines how easily users can enter or exit the crypto market without friction. Among the leading solutions available today, the WhiteBIT institutional crypto off ramp solutions provide a secure, compliant, and highly scalable way to manage cross-border crypto-to-fiat settlements.
WhiteBIT’s institutional tools enable companies to conduct payments, settlements, and redemptions directly in crypto while retaining compliance with European banking standards. For example, users can buy bitcoin with SEPA transfer, execute fiat payouts to clients, or automate conversions between stablecoins and euros within the same platform environment.
Understanding On- and Off-Ramp Mechanics
Before choosing a provider, it’s essential to understand what are on ramp and off ramp in crypto. On-ramp refers to any service that allows users to purchase cryptocurrency using fiat money — such as euros, dollars, or pounds. Off-ramp, on the other hand, enables users to convert their crypto holdings back into fiat. Together, they form the financial gateway connecting traditional finance with the blockchain world.
A robust ramp system guarantees:
Liquidity. The ability to instantly exchange large sums without market disruption.
Compliance. Adherence to AML/KYC regulations and transaction reporting standards.
Speed. Rapid settlements for both individual and institutional users.
Transparency. Clear conversion rates and minimal hidden fees.
Platforms that integrate both on- and off-ramp features serve as a bridge for payment providers, trading firms, fintech startups, and global businesses transitioning to blockchain-based finance.
The Growing Demand for Ramp Crypto Payments
In 2025, on- and off-ramp infrastructure has evolved far beyond simple retail tools. Institutional partners now rely on ramp crypto purchase systems that allow direct corporate transactions, recurring settlements, and cross-chain transfers. Businesses seeking to buy BTC with SEPA as well as to buy cryptocurrency with SEPA in general. Also businesses try to find the solution to enable customers to make international ramp crypto payments demand enterprise-grade systems with multi-currency support and security layers comparable to traditional banks.
These solutions are especially vital for sectors such as:
Fintech companies that integrate digital assets into mobile wallets.
Crypto exchanges and brokers expanding fiat coverage.
Institutional investors managing diversified portfolios with stablecoin exposure.
As adoption grows, ramp services become the backbone of real-world crypto usability.
Top 3 Best Crypto On and Off Ramp Solutions
MoonPay — Mainstream Accessibility
MoonPay remains one of the most recognizable names in fiat-to-crypto integration.
Strengths:
Supports 160+ countries and dozens of currencies.
User-friendly interface for retail and SME clients.
Credit-card and Apple Pay integration.
However, MoonPay focuses primarily on retail users rather than high-volume institutional settlements.
WhiteBIT — Institutional Precision and Compliance
The WhiteBIT institutional crypto off ramp solutions take second place due to their institutional orientation and regulatory reliability.
Advantages:
SEPA and SWIFT support. Businesses can buy bitcoin using SEPA or withdraw funds through direct bank transfers.
Full compliance. WhiteBIT adheres to European AML frameworks, making it suitable for corporate finance.
Multi-asset support. Enables conversions for BTC, ETH, stablecoins, and local fiat currencies.
Automation. API integration for continuous settlements and treasury management.
WhiteBIT’s hybrid model unites both buy crypto ramp and off-ramp services within one infrastructure, empowering institutions to scale their financial operations globally.
Transak — Developer-Focused Ramp API
Transak specializes in API-based on-ramp integrations for Web3 projects.
Highlights:
Seamless integration into wallets and dApps.
Global fiat coverage with AML compliance.
Quick KYC verification for end users.
While its developer-centric design makes it ideal for startups, it’s less optimized for institutional settlements compared to WhiteBIT.
Why Institutional Clients Prefer WhiteBIT
WhiteBIT has positioned itself as more than just a trading exchange — it’s a full-service provider for businesses that require liquidity and compliance at scale. Its best crypto exchange ramp services enable institutions to manage both inflows and outflows efficiently, whether handling salary payments in crypto or executing high-value treasury conversions.
Key strengths include:
Corporate onboarding. WhiteBIT simplifies KYC/AML for enterprise clients.
Liquidity depth. Access to one of Europe’s largest centralized exchanges.
Regulated ecosystem. Operating under European jurisdiction ensures financial transparency.
Integration flexibility. API and dashboard tools compatible with existing fintech infrastructure.
This holistic approach has made WhiteBIT a go-to partner for banks, payment processors, and fintech innovators exploring blockchain integration.
The Future of Ramp Infrastructure
As the crypto economy continues to expand, the role of on- and off-ramp solutions will only grow more significant. Businesses and institutions demand faster conversions, better compliance frameworks, and reduced operational friction. The best crypto market making program and liquidity services often complement these ramp solutions, helping maintain stable conversion rates.
WhiteBIT’s commitment to security, regulation, and technological innovation ensures that its institutional crypto off ramp solutions remain among the most advanced in the industry — bridging traditional finance and decentralized markets in a single, seamless experience.
Surely, we have hopes that the most brutal wars of the century will end soon through diplomatic simplicities that appear almost impossible to realize. As with all wars, all sides must make tough concessions; yielding on modest points shows weakness, and no side is willing to relinquish any perceived gain.
“The West, as understood as a unified political, economic, and security community, has been on the ropes for some time. Donald Trump’s second term as U.S. president could deliver the knockout blow.”
– Stewart Patrick, “What Happened to ‘The West’?”
All wars are political. The foreign affairs of the United States are once again entering a phase of insecure diplomatic steadiness. As a contextual example and core understanding of what starts and ends a war, I call attention, hesitantly, to specific wars and their political reasons for their continuations. I say “hesitantly” because my column is not about specific wars but rather about the abstract impulses that bring wars forward. I bring politics into examples because of the current woeful diplomatic and political factors that could bring war further to the brink.
My country, with all its past faults, the one that I loved from the beginning of my life, when my father received a purple heart and a bronze star while serving in the last world war, has not only become an embarrassment by its dangerous policies against public benefits of open trade, climate science, financial stability, health securities, and foreign aid; it has fallen into self-destructive stances on deportations of people seeking better lives, and autocratic restrictions on free speech. [1]
The Colossus of Rhodes Public Domain
In the absence of effective diplomacy, having the world look on to the three most brutal wars, the United States of America is no longer united by the Mother of Exiles.
“Keep, ancient lands, your storied pomp!” cries she With silent lips.
Give me your tired, your poor,
Your huddled masses yearning to breathe free,
The wretched refuse of your teeming shore.
Send these, the homeless, tempest-tost to me,
I lift my lamp beside the golden door!
– Emma Lazarus, The New Colossus.
And so here we are, with Donald Trump, hardly a match for Vladimir Putin, the President of Russia, who smirks at U.S. ceasefire diplomacy, entering an unstable era of world peace. For those 80 years since the end of the last world war, the U.S. was the principal war-surveillance guardian and deterrent, with over 750 military bases in 80 countries and territories. In Europe alone, there are 38 bases. It is an enormous expense, but with that level of military supremacy and its secure international order, it has prevented explosive conquests and national border skirmishes that could threaten the realignments of states and territories.
And so here we are, with Donald Trump, hardly a match for Vladimir Putin, the President of Russia, who smirks at U.S. ceasefire diplomacy
Now that deterrence is over and the United Nations is struggling with a budget crisis while wars rage, Richard Gowan, the UN director for the International Crisis Group, tells us, “We can actually say we are in an organization that is in sort of a ‘free fall.’” With the new U.S. administration being governed by a person in the White House who sees foreign policy as a real estate business scheme, not a program to smartly manage the calm of international war perpetuation, the world is likely to lose the European peace stability of the last 80 years. Keeping that stability is difficult, but it requires foreign aid that is just 0.25 per cent of the U.S. GDP, which is now reaching $30 trillion, an almost insignificant percentage, especially when it is 1.2 per cent of the U.S. federal budget. As Adam Posen puts it in his recent Foreign Affairs article, “The Trump administration has made clear that it wants the United States to operate a completely different kind of scheme, in which it weaponizes and maintains uncertainty to extract as much as it can for as little as possible in return.” [2] That is an almost direct definition of a real estate business scheme.
When a business deal fails, it is a loss and disappointment, not war. “History is littered with examples of leaders who, like Trump, came to power fueled by a sense of national grievance and promises to force adversaries into submission, only to end up mired in a military, diplomatic, or economic conflict they would come to regret.”[3]
Mr. Trump believes he is a master executive who can alter world views by repricing tariffs to benefit one country over another and ending foreign aid that for 64 years kept underdeveloped countries stable, so their borders remain settled. [4]He negotiates with blind forces of rushing decisions that plan strategies of subsequent doom, supported by shameless power opportunists and cowardly passive politicians fearing reprisals if they disagree. That policy is one of exploitation, a lose-lose opportunity for everyone. It ignores looming wars, ineptly attempts to stop some, and kindles others, a policy that attacks peace from every angle. He claims to be so smart about ending “seven un-endable wars”, some in “twenty-four hours.” Targeting contributions to the United Nations, with a cut in funding its peacekeeping operations, and the largely dismantled U.S. Agency for International Development (USAID), is a foolish move, with repercussions in this decade that will end in world chaos, an avoidable mess. And now he is blundering into a military action against neighbors in the Caribbean and the Pacific by murdering Venezuelans and Colombians (57 and counting) in international waters and pushing the CIA to conduct covert military operations in Venezuela to topple President Nicolas Maduro’s government. That could be the blundering into war that we might expect, one that Trump will later regret.
Trump’s first-term foreign policy messages were aimed at fixing the world order in the East and the Middle East through his confrontational negotiating style of bargaining, unpredictable madman theory policies with Iran and North Korea. At that time, his “art of the deal” policies were recklessly impulsive, but forgivable, given that he had no political background and was working his way along a steep learning curve that had some razor-sharp inflection points. North Korea took no notice and went full throttle with its nuclear program. Iran dismissed Trump’s threats and continued testing its missiles and shipping its arms to Yemen and Syria, and eventually to Hezbollah and Hamas militants. He blasted the Iran nuclear deal, saying it is “the worst deal ever negotiated … an aggressive push to destabilize and dominate” the Middle East.[5] He ended Iran’s economic benefits tied to the nuclear deal that was in place. The United States withdrew from the Joint Comprehensive Plan of Action (JCPOA), a 2018 nuclear deal to undo Iran’s nuclear program. That move, misleading the public about the program, essentially ended the deal, and so Iran continues the practice of arming its allies in the Middle East.
With the new U.S. administration being governed by a person in the White House who sees foreign policy as a real estate business scheme
We can now ask: how did Trump’s art of the deal go, and how is it going now? Trump, as a newcomer to intelligent foreign policy norms, didn’t account for Iranian nationalist vehemence; Iran rebelled with the revenge of hardline boldness, of course! No longer bound by the (JCPOA), it banished UN inspectors, escalated secret uranium enrichment to higher levels, advanced its centrifuges, stockpiled somewhat enriched uranium, and restrained international inspections. Oh, and add that Iran then increased its support for the Houthi rebels and Hamas.
Foreign policy is always thorny and so fiascoes happen, but Mr. Trump’s temperament and wishful thinking instincts are not evident kismets. He may believe they are, but the danger there is that a single unwise decision and defective plan can lead to a global catastrophe that could be almost impossible to undo.
I generally avoid writing about individual wars and concentrate on the nonspecific perceptions of why we have wars and why we must find ways to limit them or at least diminish the resulting humanitarian horrors. Breaking my self-imposed constraint, this article digs into the two international wars in Ukraine and Gaza. So, I ask: How will two of the most brutal international wars of attrition in this century end and when?
The Gaza ceasefire: will it hold?
Trump’s diplomatic success in achieving a limited Gaza War ceasefire is worthy of praise, though his negotiations are misguidedly off-balance in sidestepping security guarantees. James Rubin, a senior advisor to two U.S. secretaries of state, wrote in a recent New York Times op-ed, “The tenuous nature of the deal, along with reports of Washington’s potentially divisive recent proposal to split Gaza in two, shows that high hopes for a long-term peace in the region were premature.” [6] The U.S. peace plan is a good one; however, for a lasting peace, it should immediately create and deploy an international force to fill the vacuum in Gaza, permit Palestinian self-governance, and protect Israel from militant armed attacks. As I write this, I am full of hope for the release of detainees and hostages, Hamas surrendering its guns, and Israel pulling its troops out of Gaza. Those agreements are not maintained. Yet we are delighted by the fall of the Bashar al-Assad regime in Syria, the Hezbollah demise in Lebanon, and the current weakness in Iran’s government.
Yes, Trump may have paused the war between Israel and Gaza by pulling together a Middle East peace deal and, for that, he should be given credit. But ending wars while they are in full force is not easy. “Just stopping this terrible Gaza war — if it holds — is worthy of praise and the stuff of wonderful headlines. But seeing this whole plan through would be the stuff of history.” [7] Securing the trust of eight Middle East countries is challenging and praiseworthy; however, that deal is just the first stage, and certainly not enough to win the one award of praise Trump wished for. A Nobel Peace Prize is an esteem of integrity, not one to honor a solitary single achievement that is uncertain, and certainly not one for starting a domestic war in America and a covert war with Venezuela and Colombia when we need to bond with countries to protect us from drug lords. Let’s see what happens with stage two, which is tough and far more complex, given that there are two million people scattered without homes in Gaza and without a presiding government for the region to stop Hamas from regrouping when Israel withdraws its troops.
The latest Gaza War agreement is a temporary cessation of hostilities that makes everyone happy with the deal of hostage releases, as few as they are. To end that war with at least a ceasefire, it will take commitments of highly focused diplomacy from the United States, Israel, Hamas, Qatar, Turkey, the Palestinian Authority, Saudi Arabia, Egypt, and the U.A.E. to achieve an indefinite end to active combat. Yesterday, I received a newsflash alert that Prime Minister Benjamin Netanyahu is accusing Hamas of not returning the bodies of dead hostages and therefore, Israel has resumed military strikes in Gaza. Today, Israel resumed the ceasefire. We do not know how the tenuous truce will play out tomorrow, but there is always hope.
The Russia-Ukraine War seems so much further away[8]
Emboldened by his fragile Gaza ceasefire negotiations, Mr. Trump is hoping to do the same for the war in Ukraine.
The Kremlin is not interested in peace but in escalation. If you are surprised by that, you have not been paying attention.
These drones did not veer off course. They did not drift into a NATO country by mistake. My government is certain that it was a provocation orchestrated by the Russian regime.
— Radosław Sikorski, foreign minister of Poland
Russia is not trying to rebuild its empire. It cannot annex a few small territories within independent states by military incursions; its odds of returning to its golden glory years are extremely close to zero. Putin knows that, but he is betting on an attempt to get him far enough. He has no designs on Western Europe. For him, annexing the original Eastern Bloc – Poland, East Germany, Czechoslovakia, Hungary, and Romania – would be enough. That alone demonstrates his aggressive expansionist mind that hints at imperialism.
And here we are with Russian military drones flying over Poland, Romania, and Estonia, three NATO states. On September 9, NATO aircraft intercepted and shot down three of the 19 Russian drones that entered Poland. The next day, Rafał Leszkiewicz, a spokesman for the president of Poland, said it was “an act of Russian aggression.” And it surely was, contrary to how Donald Trump sardonically addressed it. “What’s with Russia violating Poland’s airspace with drones? Here we go!” he said. “Could have been a mistake.” His “Here we go” wisecrack was his undercut to side with Putin, suggesting, “Here we go again with fake news.” Fake news for Trump means bad news, but bad news can sometimes get us into conflicts that are dangerous and difficult to manage when the world economy and stability of reason can ignite conflicts or alter truths that start wars.
Now that Ukraine has become one of the leading creative drone developers in the world, it has a viable chance to confront Russia at a peace table, if one will ever be forthcoming. Ukraine has advanced drone inventive resourcefulness to alter warfare forever. It can send cheap drones into the heart of Russia. Ukraine has been hitting key Russian energy sites 2,000 km along its border. Refineries, pumping stations, storage depots, and export terminals have been hit by sending swarms of decoys (20 to 30 and sometimes hundreds) to first drain Russian air defenses just seconds before their Liutyi and FP-1 drones laden with explosives hit their targets.
Ukraine’s drones already knocked out almost 17 per cent of Russia’s refining capacity, adding 10 per cent to prices at domestic filling stations. By the brilliance of Ukraine’s drone operations, their navigation and targeting do not rely on satellite imagery. An onboard camera links to a preloaded map, so the Russian air defense system cannot hack or jam Ukraine’s drone navigation. That is just one of the clever military tool systems the Ukrainians have devised. With each Ukrainian military tool advance, the struggle gets more balanced between the two combatant sides, making diplomacy harder to settle the conflict.
I wish Trump good luck, but my doubts about his methods suggest he is missing the strongest points necessary to end that bloody war. To settle a peace deal between Ukraine and Russia, he cannot use language as he did with the Hamas deal as a warning – “We will have no choice but to go in and kill them.” Who is he referring to as “we,” and whom will he kill? That jab does not work in a Ukraine–Russia agreement. His usual bullying tactics would only make things worse. Trump’s strategy against the European Union, which in 2025 donated $23.8 billion (€20.5 billion) to the war effort, is a 50 per cent tariff on steel, aluminum, and copper. The U.S. has provided nearly $175 billion to Ukraine since the war began; however, the war is still active. During Trump’s second term in office, the U.S. has given $20 billion (€17.2 billion) as a loan, not a gift. Since the EU GDP is two-thirds of the U.S. GDP, geo-economics suggest that Trump’s tariff policy with the EU is an unfair, imbalanced deal, especially when he wishes to secure a Ukraine–Russia ceasefire deal. He wants credit for his peace deals, even when they fade, and EU leaders now play essential roles in support of Ukraine.
Russia’s combat actions in Ukraine are not about Ukraine but, rather, they are about Europe, not all of Europe, but all the old Soviet Eastern Bloc.
Russia’s combat actions in Ukraine are not about Ukraine but, rather, they are about Europe, not all of Europe, but all the old Soviet Eastern Bloc. Unless Trump knows of a scheme that could convince Putin to pull back and stop the war, it will continue for years, with Putin not caring about how many soldiers from both sides will die. To achieve any serious ceasefire, Trump must threaten to punish Russia. Perhaps his new thoughts of sanctioning Russian oil will pave the way.
Putin can afford as many troop deaths as he will need after the latest military conscription of 135,000 men. [9]Mediazona, a Russian independent media outlet working with the BBC, put the death toll of Russian forces, counting only Russian servicemen and contractors, at 206,300–298,000, and the monthly average of Russian deaths continuing at 11,700. At that rate, if the war continues for 25 months with that same monthly death average, the number of deployed conscripts will shrink to almost 5,500. Will that war be worth it for Putin, if it goes on another two years, when he will lose so many fighters for so little territory? Possibly. We see, the war is not about Ukraine; it is about Europe.
As Celeste Wallander, former U.S. Assistant Secretary of Defense for International Security Affairs, put it: “Stronger than ever, Putin can continue his war against Ukraine for as long as it takes to win on his terms.” [10]Putin has little to gain by a ceasefire and almost everything to gain if he can capture more territory. The Russian economy is, to an extent, circumventing international sanctions and, surprisingly – by high defense spending – keeping GDP growth above 4 per cent, and “there are no outward signs that discontent within the elite or society at large threatens Putin’s rule.” That said, the country is seeing high inflation, shrinking trade, and labor shortages of highly trained technicians who have left the country. In every one of Trump’s commercially photo-op attempts to bring an end to that war, Putin “reminded the world that Moscow stands resolute in its demands that Ukraine cede not just territory but its autonomy and sovereignty as well.”[11]Trump is no match for Putin, who is a thousand times more skilled as an authoritarian. Wallander agrees with me. “In fact,” she wrote, “[Trump] helped Putin legitimize Moscow’s grievances, giving Russians who might doubt the wisdom of the invasion reason to believe that it was, as Putin promised, just.” Putin has and always will believe that he can win his military attempt to capture a significant amount of Ukrainian territory to collapse the government and bend the nation to his puppetry.[12]
Tests and challenges
The strength, stability, and wisdom of alliances and partnerships that recognize the viewpoints of conflicting governmental systems are being tested. Russia is glad to test how far the United States and Europeans are willing to defend Ukraine. To Putin, destruction, maiming, and death are not issues of affordability. His war could, and probably will, continue for a long, long time, if not indefinitely. “As [Ukrainians] see it,” the Ukrainian journalist and author of The Lost Island: Dispatches From Occupied Crimea, Gumenyuk, wrote, “the Trump-Putin summit only confirmed the sense that they will need to keep fighting for a long time to come—and that the United States can no longer be counted on to support [Ukraine].” [13]
If we examine the history of significant war endings, we find that either one side surrendered, or diplomacy ended battles to bring a ceasefire or an armistice. How they ended is complex. Though Trump said in a campaign speech that he could stop the Ukraine–Russia War in 24 hours, there is no war in all the 385 recorded years of war, save for the Anglo-Zanzibar War, and a few other rebellions and clashes, that ended in less than a day of negotiations. Still, there are 54 ongoing unresolved issues through diplomatic attempts.
Mr. Trump may have influenced some intermissions in ongoing conflicts that have paused and, in some cases, intensified. The Nagorno-Karabakh conflict that had been ongoing for 35 years ended on the first day of 2024, when Joe Biden was president, and Nagorno-Karabakh, an undisputed Armenian-populated region in Azerbaijan claiming independence as the Republic of Artsakh, was defeated and officially occupied by Azerbaijan. After negotiations were frozen, Trump invited Ilham Aliyev, President of the Republic of Azerbaijan, and Samvel Shahramanyan, the former leader of Artsakh, to the White House for an agreement on a peace declaration. The agreement was through the OSCE Minsk Group, the Organization for Security and Cooperation in Europe, an organization co-chaired by France, Russia, and the United States, that conducts high-level conflict resolution talks to find agreements to promote peace, primarily focusing on the Nagorno-Karabakh territory dispute over regions around Armenia and Azerbaijan. Though major hurdles to durable peace remain, the agreement for peace granted a dissolution of the OSCE Mink Group and established what is called the “Trump Route for International Peace and Prosperity,” a route that grants to the United States the sole development rights of an exclave route from the Nakhichevan Autonomous Republic through southern Armenia to Azerbaijan.
As for the international war between Rwanda and the Democratic Republic of Congo, again, Trump claims the agreement for ending that war as his “glorious triumph.” Although Qatar brokered a key part of the peace agreement, it was endorsed at the White House and named the Washington Accord. Since the signing, M23, a rebel group backed by Rwanda, claimed that the Congolese army broke the deal. So, the glorious triumph remains on hold.
Rope bridges from endless wars to lasting peace
The history of failed diplomacies and extended peace treaties shows how complex the issue of peace can be. The Pig War between America and Britain started in 1859 with continuous compromising negotiations that lasted 13 years, with no casualties other than the death of a pig. Peace diplomacies are themselves wars, talking wars, negotiation wars, battles of chairs, tables, and pens that change the boundary markings of any weak nation that gets in the way of powerful neighbors. Before the start of the Trojan War (admittedly a fictional one), Menelaus and Odysseus were sent as envoys of peace, hoping for the return of Helen. It was a diplomatic failure. One that mimicked negotiations of a historical conflict in Hisarlik, a city once called Troy, not caused by the abductions of anyone by the name of Helen, but rather by battles over crucial, coveted market territories, intersecting coastal waterways, and trade routes. The 5th century historian Thucydides named dozens of diplomatic envoys and ambassadors who sought peace during the non-fictional Peloponnesian Wars. They were successful in signing a relatively short pause, but not an end to that war.
The Ratification of the Spanish-Dutch Treaty of Münster, 15 May 1648 Source: Gerard ter Borch (II) Public Domain
For 30 years, a war raged in Europe over religious and political tensions between Protestant and Catholic states in the Holy Roman Empire. An estimated 8 million people died from battle, famine, and disease. But, in 1648, the Peace of Westphalia was signed to end the Thirty Years’ War. That treaty was an offshoot of a series of treaties that worked hard to accept state sovereignty and the right to govern themselves and permitted them to enter alliances with other independent states, kingdoms, duchies, and free cities. The Peace of Augsburg, an earlier treaty, allowed citizens to choose between religions by recognizing and accommodating two faiths. It took enormous negotiating skills to procure a deal, but it happened through clever diplomacy. That brutal war changed the map of Europe.
VE Day Celebrations in London, England, May 8, 1945 Public Domain
Many books and war analysts tell how wars begin and end. We know how they start; ending one is far more complicated. Even after the end of World War II, with all the evidence of a defeated Germany and an unconditional surrender on May 8, 1945, the Allies took two years to negotiate a lasting peace treaty. For six years, the peace negotiations focused on Poland, a victor of the war, but not strong enough to counter Russia’s insistence, because a large portion of Polish territory belonged to the Russian Empire before World War I. And even though Japan surrendered on September 2, 1945, the Allied Treaty with Japan was finally signed on September 8, 1951. When settled by the final World War II treaty, it gave hope for an end to all wars.
Few wars end in unconditional surrender. Most end through diplomatic assurances that both sides agree to, such as ceasefires, armistices, and treaties marking the end of hostilities. Wars are not sports competitions where sides play to win for glory and advancement. We should assess every war differently but, in general, the point of war is not about winning. Soldiers, sailors, marines, and airmen at war, from junior rank to general and admiral, fight to win. Heads of state and their advisors, however, should have a different mandate: not to win but to compromise to a balanced level that benefits all sides. Nobody wants deaths, and we should expect that the goals of war are to balance arguments with concessions, perhaps by territory or material given for this or that, or public opinion. The notion of victory is not in the winning of wars, but rather the settlement that brings peace and prosperity to both sides. Otherwise, we will always be at war with one another; of the 195 countries that share the resources of this one planet, some will be winners that eventually become losers, and losers that later become winners in a cycle of power changes that continues until the sun becomes a white dwarf.
Joseph Mazuris an Emeritus Professor of Mathematics at Emerson College’s Marlboro Institute for Liberal Arts & Interdisciplinary Studies. He is a recipient of fellowships from the Guggenheim, Bogliasco, and Rockefeller Foundations, and the author of eight acclaimed popular nonfiction books. His latest book is The Clock Mirage: Our Myth of Measured Time (Yale).
The Supreme Court pressed the Trump administration on Wednesday over its sweeping use of a decades old law to justify global tariffs, raising doubts about the president’s authority and setting up a ruling that could reshape executive power and U.S. trade policy.
During more than two hours of argument, several conservative justices questioned whether the International Emergency Economic Powers Act allows a president to impose tariffs that ultimately fall on American consumers. The law, enacted in the 1970s, has never been used to authorize broad duties on imports.
Chief Justice John Roberts quickly zeroed in on the administration’s position. He noted that Congress specifically granted tariff powers in other statutes but did not do so in the law at issue. Roberts said the administration’s reading would give presidents unchecked power to tax “any product, from any country, in any amount, for any length of time,” a claim he suggested did not fit the law’s intent.
Justice Amy Coney Barrett pressed the government to identify any historical or legal precedent tying the phrase “regulate importation” to tariff authority. When the administration pointed to a Nixon era ruling, Barrett dismissed it as an intermediate court decision, not binding precedent.
Justice Brett Kavanaugh focused on the Nixon comparison, repeatedly asking why Congress kept identical language when it adopted IEEPA if lawmakers objected to the earlier use of emergency powers to raise duties. But Kavanaugh also noted that Nixon did not initially rely on the law to impose the tariffs, raising questions about how much weight to give that history.
The justices also wrestled with what could happen if they strike down Trump’s tariffs. Barrett voiced concern that refunding nearly 90 billion dollars in collected duties could become “a mess,” while Justice Samuel Alito suggested the court may need to address the issue sooner rather than later.
The court’s liberal wing forcefully challenged the administration’s claims. Justice Ketanji Brown Jackson argued that Congress intended to limit presidential emergency powers, not expand them. Justice Elena Kagan criticized Trump’s pattern of declaring emergencies to advance policy goals, saying the executive branch had treated crisis authority as a catch all justification.
Several justices raised the court’s own recent decisions restricting the Biden administration’s ability to act without clear congressional approval. Business groups challenging the tariffs urged the court to apply the same “major questions” standard to Trump.
Skeptical, Justice Sonia Sotomayor noted that emergency declarations cannot resolve ambiguity in the law. “This is a tariff. This is a tax,” she said.
A ruling against the administration would mark the first major break between the 6 to 3 conservative court and President Trump since he returned to office in January. The decision, expected next year, could determine the limits of presidential power in trade and foreign economic policy.
Democrats scored decisive victories in the nation’s most closely watched elections Tuesday, winning high profile contests across several states and delivering a sharp political setback to Republicans.
In New York City, Zohran Mamdani, a Muslim and self described democratic socialist, is projected by NBC News to become the city’s next mayor. In New Jersey, Mikie Sherrill is set to secure the governorship. Virginia voters elected Abigail Spanberger as the state’s first female governor, while fellow Democrat Jay Jones is projected to unseat Republican Attorney General Jason Miyares.
Democrats also gained ground in statewide measures. California voters approved Proposition 50, authorizing a new congressional map that benefits the party. In Pennsylvania, three Democratic justices retained their seats on the state Supreme Court, preserving the party’s 5 2 majority.
Senate Minority Leader Chuck Schumer hailed the results before all races were finalized, calling them a clear rejection of President Donald Trump and his policies. “Tonight’s results are a repudiation of the Trump agenda,” Schumer said, arguing that voters rejected “cruelty, chaos, and greed.”
Trump, in a social media post, blamed the defeats on his absence from the ballot and ongoing frustration over the federal shutdown that began October 1.
Jones’ win in Virginia came as one of the night’s biggest surprises. His campaign faced turbulence after text messages surfaced from 2022 in which he fantasized about shooting then House Speaker Todd Gilbert. Despite the controversy, voters delivered him the upset victory.
Democrats framed the night as evidence that their message on lowering costs, expanding healthcare and stabilizing government is resonating with voters nationwide.
Independent hoteliers don’t compete with scale; they win with speed, clarity, and guest love. The right hotel PMS system turns those strengths into measurable results, higher occupancy when it counts, fewer errors at the desk, and cleaner numbers for decisions. If you’re mapping capabilities to outcomes, start with our practical checklist of independent hotel PMS features; it breaks down the essentials owners should demand and keeps your team aligned on what truly moves the needle.
Why your PMS is a business engine, not just software
Think like a publisher of cash flow. Every reservation, price change, add-on, and refund is a line in your story. A fit-for-purpose independent hotel PMS doesn’t simply record that story; it shapes it. The best systems reduce busywork so staff serve rather than scramble, keep distribution in lockstep to protect last-room value, and present daily KPIs so you can steer in minutes, not meetings. That’s hotel PMS business innovation and productivity in practice: fewer manual patches, faster cycles from idea to offer, and a flywheel of better data → better decisions → better revenue.
The three profit levers a PMS should strengthen
Revenue precision. Your PMS should make the “right room, right guest, right price” happen automatically by clearly defining rate ladders (Flexible, Semi-Flex, Non-Refundable), simple length-of-stay rules, and consistent availability across channels. Innovation shows up as less leakage, steadier ADR, and smoother shoulder nights.
Cost discipline. Productivity isn’t more hustle; it’s fewer mistakes. An intense PMS reduces corrections, chargebacks, and rework through transparent folios, audit trails, and clean reservation write-backs. You reclaim hours that can be redeployed to upsell, reviews, or local partnerships.
Decision speed. Yesterday’s occupancy, ADR, RevPAR, and forward pace should be one glance away. When the next three weekends look soft, you adjust fences or craft a targeted offer today, not after the month closes.
A features framework translated into business outcomes
Forget the buzzwords. Here’s what “good” looks like for an owner running an independent hotel PMS:
Unified availability across channels
Outcome: No stranded rooms or double-sells. Your last room sells once, at your best yield.
Derived rates and simple rules
Outcome: One master price drives Semi-Flex and Non-Ref automatically, so staff aren’t hand-copying numbers (and creating disputes).
Guest-clear folios and policies
Outcome: Fewer front-desk debates, fewer chargebacks. Taxes/fees and deposit logic are obvious online and on paper.
Housekeeping in the loop
Outcome: Rooms turn faster with a live board (Dirty/Clean/Inspected), photo notes for maintenance, and fewer “Is 204 ready?” calls.
Lightweight messaging
Outcome: Timely pre-arrival notes capture ETA and upsells; post-stay messages drive reviews and repeat business without extra typing.
Exportable, trustworthy reports
Outcome: Your accountant reconciles without hand edits, and you spend mornings steering, not spreadsheeting.
This is the practical core of hotel PMS business innovation and productivity, not theory, but repeatable behaviors your team can execute daily.
What “best” really means for independents
The best hotel PMS systems for small properties share three traits:
They vanish into the work. New hires grasp the calendar and check in under an hour. Every extra click is an invisible cost.
They play nicely with others. Booking engine, channel manager, payments, and (if you have them) door locks and POS working as one storefront.
They tell the truth quickly. Yesterday’s reality and tomorrow’s risk, visible in a 10-minute ritual: occupancy, ADR, RevPAR, pickup, and channel mix.
“Best” is not a features arms race; it’s the shortest path from decision to impact.
A 30-day owner’s plan (business-first, not technical)
Week 1 – Clarify your selling story. Choose the three rate plans you actually sell and describe them in guest-friendly language. Standardize room names and photos across your site and channels. Decide how you explain deposits, cancellations, and local taxes, then use that wording everywhere.
Week 2 – Connect your storefronts. Make the PMS the source of truth, your channel partner the broadcaster, and the booking engine the easiest place to buy. The business goal: change a rate or set a two-night minimum and see it reflected everywhere fast; accept a booking at midnight and watch that room close out across channels instantly.
Week 3 – Prove it with real journeys. Book a 1-night midweek stay on your site, a 3-night weekend on an OTA, a corporate booking needing a company invoice, and a family reservation that changes dates, and process one partial refund. Prices should match, totals should add up, and emails should make sense. If anything wobbles, fix the message and the mapping before you scale.
Week 4 – Institutionalize the rhythm. Hold a 10-minute stand-up: yesterday’s KPIs, 30/60-day pace, channel mix, and any failed updates. Assign one owner to rates/restrictions, one to folios/taxes, and one to content/photos. Small hotels win through clear accountability.
Metrics that matter (and what to do with them)
ADR rises when your flexible rate stays firm and discounts are purposeful, not panicked. If ADR sag during intense-demand weeks, tighten the fences and simplify visible offers.
RevPAR blends rate and occupancy; treat it as your “one number” to beat. If occupancy dips but RevPAR holds, you’re prioritizing profit over volume, which is often the right call.
Pace (booked rooms/revenue at future checkpoints) is your early-warning system. Soft shoulder weeks? Push midweek packages or local partnership add-ons; keep weekends protected.
A capable hotel PMS system surfaces these numbers without a hunt, making your morning review a habit that compounds.
Innovation that pays for itself
Owners often ask, “Where’s the ROI?” Here’s where it hides:
Time reclaimed: fewer manual fixes, cleaner night-audit exports, one version of the truth for staff.
Revenue caught: restrictions aligned across storefronts, better shoulder-night strategies, and direct booking nudges that cost less than OTA commission.
Reputation protected: fewer billing surprises and smoother arrivals translate into higher review averages and the pricing power that follows.
When you frame your PMS as a business asset, not a line item, investment decisions get simpler.
Mistakes to avoid (so your team stays productive)
Manual rate copying. Use derived rates; manual clones drift under pressure.
Hidden fees. If a charge exists, disclose it early and label it clearly. Surprise fees become reviews and chargebacks.
Unlimited permissions. One “quick fix” can break parity. Guardrail who can change base rates, taxes, and policies.
Skipping a soft launch. Prove live pricing, emails, and refunds in a controlled week before you bet payroll on it.
Your short, printable shortlist
Clear rate ladder and rules you can explain in 60 seconds
One inventory pool across website and channels
Guest-clear folios and confirmations (policies, taxes, deposits)
Daily KPIs and forward pace in a single glance
Role-based access and a visible audit trail
Fast support with real humans and simple docs
If a vendor can’t tick these without caveats, keep looking.
The closing argument for independent owners
You don’t need enterprise budgets to operate with enterprise discipline. You need a hotel PMS system that makes smart habits easy: consistent pricing, tidy folios, and fast insights anchored in outcomes you can see and times you can reuse. With the right independent hotel PMS, hotel PMS business innovation and productivity stops being a buzz phrase and becomes your daily operating rhythm: more direct revenue, fewer apologies at the desk, and a confident path from great hospitality to great business.
The Trump administration said Monday it will provide partial November food assistance for millions of Americans, but warned that many states may need weeks or even months to deliver the aid. The plan was outlined in a federal court filing after a judge in Rhode Island ordered the Department of Agriculture to use emergency funds to cover at least part of the Supplemental Nutrition Assistance Program, or SNAP.
A USDA official said states must make significant system changes before they can calculate and issue reduced payments. Those adjustments could take “a few weeks to up to several months,” according to Patrick Penn, the agency’s deputy under secretary for food, nutrition, and consumer services.
SNAP payments lapsed on November 1 for the first time in the program’s six-decade history due to the ongoing federal shutdown. Some states have raced to cover benefits on their own or have increased support for food banks as demand grows.
The Justice Department said the USDA will exhaust the program’s $5.25 billion contingency fund as ordered by the court, but the administration will not tap additional sources that would fully fund SNAP, which costs roughly $8 billion to $9 billion each month. Officials said tariff revenue, some of which was used last week to support the WIC program, cannot cover the much larger cost of full food assistance.
Democratic-led states that sued the administration argue that other federal reserves should be used to restore full payments. Senator Amy Klobuchar said the administration is “playing politics with hunger” and urged officials to use all available funds.
The administration said $600 million will go toward state administrative costs, leaving $4.65 billion to fund about half of eligible households’ normal benefits. States must now calculate partial allotments and send updated information to EBT processors. Conduent, which handles cards for 37 states, said it can act quickly once states provide the data.
Meanwhile, several governors are stepping in. Alaska issued a disaster declaration to release funds, while New Jersey deployed National Guard members to assist food banks. Other states, including Connecticut, New Mexico and West Virginia, are sending additional resources to food pantries strained by rising food prices and increased need.
The efficiency of your invoice-to-cash process determines the rhythm of your cash flow, impacts supplier and customer relationships, and ultimately drives business growth or stagnation. Finance teams can no longer afford to wait for checks in the mail, chase down clients for payments, or sort through stacks of spreadsheets to determine when revenue will truly hit the books. As business complexity grows with multi-location operations, varying payment methods, and rising compliance demands, the manual and semi-automated methods of the past create friction, bottlenecks, and lost opportunities.
Unlocking Business Value with Invoice-to-Cash Automation Platforms
The true payoff of advanced invoice-to-cash automation is visible across every layer of the organization. Among the most significant benefits are:
Shortening Days Sales Outstanding (DSO): Faster processing, more effective reminders, and instant payments bring overdue balances down, improving working capital for investment or growth.
Elevating Customer Satisfaction: Streamlined processes, transparent status updates, and flexible, self-service payment options mean happier clients and stronger business partnerships.
Reducing Manual Workloads: Automation decreases the number of human touchpoints required, freeing skilled staff to focus on exceptions, strategy, and value-added finance operations.
Improving Accuracy and Reducing Risk: Machine-driven matching and data capture minimize errors, lost invoices, and duplicate entries, fortifying compliance with regulations and audit trails.
Enhancing Predictive Insight: Machine learning forecasts cash inflows and payment risks with ever-increasing accuracy, helping CFOs project financial health with confidence.
Scaling Efficiently: Whether processing 100 invoices a month or 100,000, leading solutions scale up effortlessly as business expands, supporting multi-entity, multi-currency, and multi-lingual operations.
The Top 5 Invoice-to-Cash Automation Software Solutions
1. Gaviti
Gaviti is a specialized platform designed to transform the entire accounts receivable spectrum and collections process for mid-sized and enterprise organizations. With a sharp focus on cash flow acceleration and team productivity, Gaviti provides a powerful suite of tools that take AR from manual, reactive processes to high-velocity, data-driven operations.
Key Features:
AI-Orchestrated Collections: Gaviti leverages machine learning to create adaptive, account-specific dunning sequences. Each client receives communication tailored to their specific needs, including timing, channel, escalation, and tone, based on their payment patterns and responsiveness.
Automated Reminders and Multi-Channel Outreach: Collectors automate repetitive tasks, reaching out to customers via email, phone, SMS, and in-app notifications, all of which are logged for full auditability.
Collaborative Workflows: Central dashboards and task assignment help AR teams focus energy where it matters most, while visibility tools make performance, exceptions, and escalation needs clear across the department.
Customer Self-Service Portal: Clients can pay instantly, download invoices and statements, and resolve disputes, all through a branded web environment.
Intelligent Analytics: Gaviti’s reporting suite maps trends in overdue balances, payment delinquencies, collector activity, customer responsiveness, and more, supporting ongoing AR process optimization.
Robust Integration: Connects directly to systems, ensuring seamless data flow and eliminating manual syncs.
Global Scalability: The platform adapts to new markets, currencies, languages, and workflows, making it an excellent choice for multinational growth.
2. Stripe Invoicing
Stripe Invoicing is a global, developer-friendly solution that automates the invoice-to-cash journey directly within the Stripe payments ecosystem. Stripe’s relentless focus on frictionless transactions makes this tool a natural fit for innovative startups, SaaS providers, agencies, and digital businesses processing payments worldwide.
Key Features:
Seamless Invoice Generation and Delivery: Automate invoice creation from order data or recurring subscriptions, complete with customizable branding and global payment instructions.
Integrated Payments: Stripe supports an unmatched array of payment methods, major cards, direct debit/ACH, wallets, SEPA, and more, letting clients pay instantly and securely from their inbox or portal.
Automated Dunning and Confirmations: Schedule smart emails and reminders for upcoming, due, and overdue invoices, with links to pay and real-time status updates visible to both employees and customers.
Global Compliance Support: Invoicing includes tax/VAT handling, country localization, and compliance with PSD2/SCA and data residency regulations.
Customer Portals: Customers access, pay, download, and dispute invoices from a single dashboard, reducing AR friction and support tickets.
Powerful API Integration: Developers can build embedded invoicing, white-label payment experiences, and connect Stripe with popular ERP and CRM tools in minutes, not months.
Real-Time Dashboards: Visualize outstanding balances, payment cycle speed, and financial health via Stripe’s analytics suite, with exportable data for CFO review.
3. Zoho Invoice
Zoho Invoice is a highly accessible invoice-to-cash automation solution aimed at small and mid-sized businesses, consultants, service agencies, and project-based firms looking for cost-effective, robust AR management. Known for its intuitive design and integration with the Zoho suite, Zoho Invoice brings enterprise-grade power to the SMB market.
Key Features:
Automated and Recurring Invoicing: Generate one-off or schedule recurring invoices, all branded with your company’s identity, and tailored for client preferences.
Automation of Reminders: Schedule automated, customizable reminders, before, on, and after due dates, to keep cash moving in while reducing human follow-up effort.
Multichannel Payment Collection: Integrates natively with payment gateways like Stripe, PayPal, and Authorize.net, supporting client payments by card or bank with one click.
Customer Portal Experience: Clients can access statements, pay, download documents, and communicate directly with the AR team in real time, streamlining dispute resolution.
Expense and Time Tracking Integration: Record billable hours or expenses per project and convert with a single click to client-ready invoices, consolidating AR and project finance.
Comprehensive Reporting: Dashboards for AR aging, payment velocity, customer balances, and team productivity empower smart decision-making.
Cloud-Based and Mobile-First: Enable remote teams and on-the-go finance leaders to manage invoicing, follow-ups, and approvals from any device.
4. Plooto
Plooto delivers a holistic approach to automated payments and accounts receivable, streamlining approval workflows, reconciliation, and secure global payments for finance leaders demanding control and transparency.
Key Features:
Integrated End-to-End AR Workflows: Automate the full journey, from invoice delivery to approval routing to instant collections, seamlessly updating accounting systems without keying errors.
Rules-Based Approvals: Set up routing chains for invoice review, supporting robust segregation of duties and adapting to changes in org charts or authority levels.
Bank and Payment Network Connectivity: Direct integration to an expansive network (over 1,000 financial institutions) supports both domestic and cross-border payments, ACH, wire transfers, and more.
Automated Reconciliation Engines: Payments are instantly matched to open AR, updating ledgers in real time and eliminating common reconciliation traps.
Automated Reminders and Confirmation: Plooto handles communications for due and overdue payments, with branded notifications increasing professional touch.
Powerful Audit and Security Controls: SOC2 certifications, user permissioning, and activity logs protect sensitive data and speed up compliance checks.
Dashboard Analytics: Finance teams track cash flow, outstanding accounts, and approval bottlenecks, aligning AR with broader treasury and AP operations.
5. QuickBooks Online
QuickBooks Online is a renowned accounting platform offering deeply embedded invoice-to-cash automation features for millions of small businesses, entrepreneurs, and solo practitioners. Its widespread adoption stems from its blend of flexibility, rich integrations, and a gentle ramp to advanced financial operations.
Key Features:
Rapid Invoice Creation: Instantly turn quotes, sales orders, or completed milestones into detailed, branded invoices with automated delivery scheduling.
Online Payments Integration: Accept card, ACH, Apple Pay, and more, directly from the invoice, settlements are reflected automatically, reducing manual bookkeeping.
Smart Reminder Scheduling: Built-in, tailored email follow-ups for payment deadlines, overdue notices, and thank-you confirmations drive higher on-time payments.
Complete AR Workflow Integration: All invoicing and payment activity rolls seamlessly into cash flow statements, expense tracking, and real-time financial health dashboards.
Comprehensive AR Reporting Tools: Drill down on payment trends, long-overdue balances, DSO, cash projections, and potential risk all from one location.
Mobile and Remote Accessibility: Manage invoicing, see payment status, and approve or decline invoices from anywhere on a secure cloud platform.
Customer Self-Service Portals: Clients can log in to view, pay, communicate, and resolve disputes, all while maintaining an auditable record of every transaction and message.
Broader Financial Automation: Connect AR with inventory, payroll, budgeting, and CRM tools, one platform for all business finance needs.
Choosing the Ideal Invoice-to-Cash Automation Platform: Strategic Considerations
A successful investment in an invoice-to-cash automation solution rests on more than ticking boxes on a feature list. Decision-makers should consider:
Integration Ecosystem: Does the platform plug directly into your ERP, accounting, CRM, and payment partners? Will it future-proof as your stack evolves?
Configurability and User Experience: Can AR teams and management customize workflows, dashboards, approval chains, and communication templates to fit local policies and customer preferences?
Security and Compliance Readiness: Are audit logs, access controls, data residency, and regulatory features built-in for your sector and regions?
Scalability: How will the platform handle growing transaction volumes, new international offices, or dramatic business model changes?
Support and Client Success: Does the vendor offer dedicated onboarding, customer education, and hands-on troubleshooting?
Real-World Referenceability: Has the platform successfully delivered results in peer organizations similar to yours, and can you validate those success stories?
Pilot Success and Measurable ROI: Will the solution show visible results within a test period, with clear KPIs for faster cash collection, reduced disputes, and increased team productivity?
Invoice-to-cash automation has proven itself to be more than a technology trend, it’s a strategic driver that distinguishes leading organizations from their competitors. By eliminating manual steps, accelerating collections, and drastically reducing reconciliation errors, these platforms enhance every aspect of financial health. The ability to offer a seamless customer experience, schedule intelligent reminders, and centralize insights lets finance teams not just react, but steer the business with data-backed foresight.
By Terence Tse
CFOs are evolving into AI-driven transformation orchestrators, balancing finance, technology, and strategy while upskilling teams, managing risks, and driving measurable business value.
A key insight from this year’s AI for CFOs event, organized...
The World Financial Review uses cookies to improve site functionality, provide you with a better browsing experience, and to enable our partners to advertise to you. Detailed information on the use of cookies on this Site, and how you can decline them, is provided in our Privacy Policy and Terms and Conditions. By clicking on the accept button and using this Site, you consent to our Privacy Policy and Terms and Conditions. ACCEPT
Privacy & Cookies Policy
Privacy Overview
This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.