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Obliteration and the West’s Complicity: A Two-Part Q&A on Dr Steinbock’s The Obliteration Doctrine

By Dan Steinbock

Dr Steinbock’s highly topical new book The Obliteration Doctrine is about the genocide in Gaza, the West’s complicity and long struggle against genocide prevention.

In the Bosnian genocide, mass atrocities took place in just a few days in July 1995. In the Rwandan genocide, all hell broke loose in the course of just three months in 1994. Gaza is in a class of its own. Starting in October 2023, Israel’s genocidal atrocities in Gaza – reliant on arms transfers by US-led West – have been perpetrated 22 months, day after day, night after night, and they have happened in real time while “the world is watching.”

How is such indifference possible?

Question (Q): That is the central question addressed by your new book.

Dr Dan Steinbock (DS): Yes. In my previous book, The Fall of Israel (2024), I examined Israel’s economic, political, military and regional path to the Gaza catastrophe. In The Obliteration Doctrine, I examine the military doctrine and the US-led West’s complicity behind Gaza’s devastation and the West’s long failure of genocide prevention – and try to show the way out.

After Auschwitz and Hiroshima, indifference to genocide is not possible. It violates everything I revere in the Jewish legacy of social justice. With genocide, silence is not an option. 

Obliteration as a deliberate state policy

In his pained foreword for The Obliteration Doctrine, Dr. Mahathir Bin Mohamad, the longest-serving prime minister of Malaysia, cautions that the word genocide may not be adequate to describe “the deliberate mass killing of the Gaza Palestinians by Israel.”

According to Ahmet Davutoğlu, former Prime Minister of Türkiye and prominent scholar of international relations, “The Obliteration Doctrine is a timely theoretical framework that warns against the emerging destructive warfare in the 21st century.”

The notion that the decimation of Gaza is likely to be a harbinger of much worse to come runs through the book. “The West did not flounder into genocide complicity, it plunged into it willfully,” as former finance minister of Greece Yanis Varoufakis puts it.

Professor William Schabas, perhaps the leading scholar of genocide and international law believes that, with the term Obliteration Doctrine, the book “adds a new term to the lexicon on genocide.” 

These endorsements are seconded by Richard A. Falk, the former UN Special Rapporteur on Palestine; Alfred de Zayas, former UN and international expert on human rights and ethnic expulsions; Alex de Waal, an internationally renowned authority of famine at Tufts University; Edgar Morin, the French philosopher who has fought fascism since the Spanish Civil War; Curtis F.J. Doebbler, the highly-regarded international human rights lawyer; Scott Horton, Director of the Libertarian Institute and the Antiwar.com; and Dr Feroze Sidhwa, the trauma surgeon who has volunteered extensively in Gaza and elsewhere.   

Gazan genocide and weaponized starvation            

Q: When did the weaponization of starvation start in Gaza?

DS: Israel first weaponized famine in Gaza almost two decades ago (for a book excerpt on TRT World, click here). When Hamas won the Palestinian election, Israel blockaded the Strip with the support of the US-led West. After the Hamas offensive of October 7 and Israel’s ground assault in that fall, starvation deaths were seen already in early spring 2024. However, those images were largely suppressed in the West. The current media coverage is a belated effort at an absolution – but only after the genocide in and decimation of Gaza.

Q: The Obliteration Doctrine shows that famines have often served as a prelude to genocide and that starvation has occasionally been purposely weaponized.

DS: As the pioneering genocide scholar Raphael Lemkin stressed in 1945, murder is the most direct technique of genocide, but not the only one. Genocide may also “be the slow and scientific murder by mass starvation or the swift but no less scientific murder by mass extermination in gas chambers.” In the case of Gaza, cumulative evidence of mass starvation is abundant, overwhelming and impossible to deny.

Q: Among other things, you use data on daily calorie intake in a comparative historical analysis.

DS: It’s a rough measure, but better than nothing. The calorie level in certain parts of Gaza has been less than the daily intake needed for survival, but also lower than the level observed amid Imperial Britain’s human experiments in the late 19th century India, which caused the deaths of millions. In certain areas of Gaza, it has also been lower than in the German concentration camps in 1940 and at the end of World War II. 

Genocide Convention and accessorial liability       

Q: Article 2 of the Convention defines genocide. Article 3 defines the crimes that can be punished under the convention, including “complicity in genocide.” When did you first conclude that Israel was engaged in genocide in Gaza?

DS: Toward the end of 2023. That’s when I began to use the term “genocidal atrocities.” In spring 2024, when I concluded in The Fall of Israel, these atrocities already fulfilled most conditions of legal genocide, as defined by the UN Genocide Convention… 

Q: … which highlights the issue of complicity. The Obliteration Doctrine asks how complicity should be defined: Who is responsible for Gaza?

DS: In 1945-46, the Nuremberg Tribunal sentenced 22 of the most important surviving Nazi leaders for their mass atrocities. In 1946-48, the Tokyo Tribunal tried 28 important leaders of Imperial Japan for their mass atrocities. By contrast, the International Criminal Court (ICC) has focused mainly on the operational leaders of genocidal atrocities. In spring 2024, ICC targeted Israeli Prime Minister Benjamin Netanyahu and his former defense minister Yoav Gallant.

Q: What about the others?

DS: For now, they have been ignored.

The Israeli case

Q: Who are they?

DS: Behind Netanyahu and Gallant, there have been at least half a dozen other Israeli cabinet members, including the far-right Itamar Ben-Gvir, the self-proclaimed fascist Bezazel Smotrich, defense minister Israel Katz with his key role in the devastation of Gaza and its infrastructure, the far-right Kahanite Amihai Eliyahu endorsing “nuking Gaza” and so on. All of them contributed directly to crimes against humanity, with some insisting on more destructive measures. And many were supported by Isaac Herzog, the Israeli president, and Ron Demer, Netanyahu’s US-born advisor.

There is also another set of cabinet members that’s less known internationally but they have played a vital role in the protracted genocidal atrocities. These include Miri Regev, the self-proclaimed “happy fascist” supporting torture in the notorious Sde Teiman detention camp; Galit-Distel Atbaryan tweeting for the “erasure of Gaza”; May Golan pushing openly for “another Nakba” to cleanse Palestinians from Gaza; and so on.

Finally, the Netanyahu cabinet has featured military leaders – the not-so-moderate Benny Gantz; and Gadi Eisenkot, the architect of the Obliteration Doctrine whose role was also vital in the aftermath of October 7.

Q: Are you saying that the ICC should charge them all?

DS: If the ICC is to deliver its promise, it should proceed according to the Articles 2 and 3 of the Genocide Convention, which should be enforced equally in genocidal atrocities – wherever they occur.

US-led West’s complicity            

Q: Does the accessorial liability also apply to the Biden administration and certain European leaders, due to their arms transfers and financing?

DS: According to the Genocide Convention, yes. Article 3 is explicit on crimes that can be punished under the convention, including “complicity in genocide.”

DS: In the US, accessorial liability would seem to start at the highest level of decisionmakers, including President Biden, Secretary of State Antony Blinken and Defense Secretary Lloyd J. Austin and a long list of their subordinates who failed to raise the alarm on the use of arms transfers to Israel in blatant disregard of U.S. foreign policy. But the broader net is more extensive. It features Vice President Kamala Harris touting continued military aid to Israel amid the atrocities; Treasury Secretary Janet Yellen enabling the ceaseless flow of arms in both Gaza and Ukraine at the same time; and so on.

Q: What about the Trump administration?

DS: With its continued arms transfers, intelligence and diplomatic support, coupled with open support for ethnic cleansing and direct participation in regional escalation, the Trump administration has managed to take the horrors of complicity to an entirely different, deeper and far more destructive level.

The beneficiaries of obliteration

Q: Has war profiteering overridden the humanitarian catastrophe?

DS: Yes, obviously. Worse, revolving doors prevail between the US administration, the Pentagon and the Big Defense, and their preferred think-tanks, as shown by The Obliteration Doctrine. These generate huge moral hazards and conflicts of interests.  Arms transfer fatten the margins of the defense contractors; peace doesn’t.

Q: Who are the beneficiaries of the genocide in Gaza?

DS: The US accounts for two thirds for arms transfers to Israel, but Europe – Germany and Italy, the UK and many smaller players – supply the rest. Israel depends on US for arms and Europe for trade.

The Two Books - The Obliteration Doctrine (2025) - The Fall of Israel (2024)

In Gaza, Israel pulled the trigger, but the supply of bullets and arms, financing and intelligence comes from the West. Complicity set the stage for genocide.

About the Author

Dr Dan SteinbockDr Dan Steinbock’s new book, The Obliteration Doctrine: Genocide Prevention, Israel, Gaza and the West (Clarity Press) builds on his previous The Fall of Israel. Dr. Dan Steinbock is an internationally recognized visionary of the multipolar world and the founder of Difference Group. He has served at the India, China and America Institute (US), Shanghai Institutes for International Studies (China) and the EU Center (Singapore). For more, see https://www.differencegroup.net

Dark Lessons of Prewar Protectionism: From Tariff Wars to Global Fragmentation

Symbolic image of US-China trade war showing cracked dollar and yuan banknotes, shipping containers, and country maps with flags.

By Dan Steinbock            

The new Trump administration’s tariff wars are causing costly, even dangerous global fragmentation, with coercive unilateralism that’s fostering 1930s-like xenophobia and far-right nationalism.

With its misguided tariff wars, the second Trump administration is not only fragmenting seven decades of globalization. It is also contributing to a kind of geopolitical climate that set the stage for the rise of fascism in the 1930s.

Times are different today, but like then, globalization is no longer at crossroads. It is unraveling. The White House has opted for an ominous path with a dark historical precedent. 

Dark legacies of the 1930 Smoot-Hawley Act    

After the “Soaring Twenties,” US economy drifted into the Great Depression. Presumably to protect American jobs and farmers, two Republicans, Reed Smoot and Willis C. Hawley, pushed for a major tariff increase. This led to the enactment of the Smoot-Hawley Tariff Act, despite opposition by over 1,000 leading US economists.

The ensuing tariffs were the second highest in US history. But instead of protecting American jobs and boosting US economy, the effect of the Act turned out to be precisely the opposite.

Following the retaliatory tariffs of America’s major trading partners, it reduced US exports and imports by more than half during the Depression. In Germany, however, international friction paved the way to the rise of the Nazi party.

The US economy recovered only with the war effort serving as a huge fiscal stimulus.

The Act of 1930 was a grossly misguided response to the economic crash. What it gained in the short-term, it lost in the long-term. It delivered neither US stability nor prosperity. Instead, it contributed to instability and worsened the economic malaise.

In brief, the Act made the Great Depression worse, compounding the chaotic international status quo that prolonged the lingering contraction, thus paving the way for World War II. 

The Trump tariffs              

With the new Trump administration, the first round of tariffs built on traditional trade wars focusing mainly on Canada, Mexico and China. The tariff costs amount to more than $1.3 trillion; that is, over 3.5 times more than the 2017-18 tariffs.

The second round began with President Trump’s “reciprocal tariffs.” It is an odd, Orwellian term for tariffs that are not multilateral, conceptually sound and appropriately estimated. Instead, the Trump tariffs are unilateral, flawed and mistakenly calculated – that is, coercive, illicit and miscalculated.

Subsequently, the Trump White House boasted that “every country in the world wants to make a deal with America.” But that did not happen. Instead, the reciprocal tariffs were followed by a series of retaliations, which heralded the ongoing third round of tariff wars.

Nonetheless, under the US tariff attacks, many economies have been compelled to make deals with the Trump administration. In the short-term, they may contribute tens of billions of dollars to the US. But in the long-term, such intimidation tactics will cost US economy hundreds of billions of dollars, fragment globalization and erode the rules-based international trading regime.

Figure: US tariff wars and Smoot-Hawley in history (stylized)

US tariff wars and Smoot-Hawley in history
Source: White House, Bloomberg, MUFR GMR, author

Dark parallels                     

Global economic prospects have been fragile since 2008. A decade later, in 2018, the first Trump administration’s tariffs and deglobalization undermined a promising recovery, with the US imposing punitive tariffs on $400 billion worth of Chinese goods which affected more than 90% of the trade affected.

Instead of building a multilateral front against trade protectionism, Western powers sought to appease the first Trump administration. That emboldened the Trump trade czars and contributed to the Biden administration’s fatal decision not to reverse his predecessor’s tariff decisions.

Devoid of any meaningful economic rationale, the Trump tariffs go hand in hand with major austerity tremors, which are set to erode what is left of Roosevelt’s New Deal and Lyndon B. Johnson’s dream of Great Society. Perversely, the new focus is on massive rearmament, a new Cold War, and destructive geopolitics, including US complicity in the genocide in the Gaza Strip.

Once the tariffs’ full impact is felt, global economic prospects will suffer more shocks. Worse, the Trump administration is doing its best to obfuscate the destructive impact of its tariff stance by firing federal economists dedicated to monitoring economic data, in order to replace them with uber-conservative ideologues and data manipulation.

The result is a darkening economic picture that could cause a “big correction” in US markets, as America’s big investment banks are now alerting their clients.

Global costs of fragmentation  

Globalization fosters the flows of trade, investment and people. From 1950 to 2008, it reinforced integration among economies, thanks to technological progress, reduced transport costs, and offshoring of value activities across countries. Thereby, it also enabled the rise of the Asian dragons, China and India and more broadly the Global South.

Conversely, deglobalization reflects the retrenchment of such flows between countries. It fosters de-integration and fragmentation. During the first Trump administration, the Trump administration tried to exploit deglobalization to overcome the longstanding secular stagnation in the West, compounded by the US tariff wars. 

With the second Trump administration, the net effect is geoeconomic fragmentation, due to “a policy-driven reversal of global economic integration,” as the International Monetary Fund (IMF) calls it. It is neither automatic nor inevitable, but a US policy choice, with horrible economic and human consequences. With the resulting trade war contributing to the weakest global growth prospects in decades, geoeconomic fragmentation is feeding into another Cold War, which the world cannot afford.

In the late 2010s, deglobalization translated to slowing growth in the Global South. Today, global economic fragmentation is effectively curbing the rise of emerging and developing world.

The original commentary was published by China Daily on August 12, 2025. 

About the Author

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

Zelenskiy Gains NATO, EU Support Ahead of Putin-Trump Talks

nato

Ukrainian President Volodymyr Zelenskiy secured firm backing from NATO and European leaders on Sunday as fears mounted that President Donald Trump and Russian President Vladimir Putin could seek a deal to end the war that sidelines Kyiv.

Trump, who had been threatening fresh sanctions against Moscow, announced on Friday that he will meet Putin on August 15 in Alaska. While the White House has said Trump is open to including Zelenskiy, current plans focus on a bilateral meeting. The Kremlin has already dismissed the idea of a direct encounter with the Ukrainian leader, saying conditions are “unfortunately still far” from being met.

The stakes grew higher after Russian strikes in Ukraine’s Zaporizhzhia region injured at least 12 people, according to the country’s foreign ministry. “That is why sanctions are needed, pressure is needed,” Zelenskiy said in response.

Trump has suggested a potential agreement could involve “some swapping of territories to the betterment of both (sides),” stoking Ukrainian fears of being pressured into ceding land. Zelenskiy insists that any settlement without Ukraine’s involvement will be “stillborn” and unworkable.

On Saturday, leaders from Britain, France, Germany, Italy, Poland, Finland, and the European Commission issued a joint statement emphasizing that any diplomatic resolution must safeguard the security interests of Ukraine and Europe. “Any deal between the U.S. and Russia must have Ukraine and the EU included,” said EU foreign policy chief Kaja Kallas. NATO Secretary General Mark Rutte added that the Alaska summit will be a test of Putin’s willingness to end the war while affirming Ukraine’s right to decide its own geopolitical future.

Russia currently controls nearly a fifth of Ukraine, including Crimea and large parts of Luhansk, Donetsk, Kherson, and Zaporizhzhia. Moscow also holds smaller portions of other regions, while Kyiv controls a sliver of Russia’s Kursk region.

Western military analysts say Russia captured about 500 square kilometers in July alone, though at heavy cost. Some pro-Kremlin voices have floated territory swaps, but without evidence.

European officials have reportedly drafted a counter-proposal to Trump’s plan, though details remain undisclosed. Former Russian President Dmitry Medvedev accused Europe of trying to block U.S. efforts, while Russian Foreign Ministry spokeswoman Maria Zakharova issued a scathing attack on EU-Ukraine relations.

Analysts warn the Putin-Trump meeting could leave both Kyiv and Europe confronting hard choices. “What we will see emerge from Alaska will almost certainly be a catastrophe for Ukraine and Europe,” wrote Phillips P. O’Brien, professor of strategic studies at the University of St Andrews.

Zelenskiy stressed the need for a united stance with Europe, calling it Kyiv’s “main resource” in resisting exclusion from talks. U.S. Vice President JD Vance, meanwhile, said any negotiated settlement would likely leave both Moscow and Kyiv dissatisfied.

Related Readings:

NATO Commits to Boosting Defence Spending to 5 Percent by 2035

NATO

Hands putting puzzle piece together on bright city background

Gen AI for 3-D Modeling

Factory Digitalization: Two Industrial Engineers Use Tablet Computer, Analysing Data about a 3D Model of Green Energy Engine. Industry 4 High-Tech Electronics Facility with Manufacturing Products

By Dr. Gleb Tsipursky

The world of design and manufacturing is being quietly but powerfully transformed by a new wave of artificial intelligence. Helping lead this revolution is Paul Powers, the founder and CEO of Physna, a company whose name is derived from “physical DNA.” In a recent interview, Powers offered a glimpse into how Gen AI is being used to decode the complexities of 3-D modeling, creating tools that not only understand the physical world but help shape its digital twin with precision.

Unlocking the Language of 3-D Geometry

Physna doesn’t just interpret 3-D models—it translates them into code. This translation forms the basis of a novel approach where geometry is no longer locked in static visualizations but becomes a searchable, comparable, and analyzable data form. Powers describes this as building a “bridge between what’s physical and digital,” allowing machines to understand shapes and structures as intuitively as they parse text.

By transforming these models into a format readable by AI, the company has developed capabilities far beyond surface-level geometry.

At the core of Physna’s value proposition is its ability to extract more meaningful data from 3-D models than traditional systems. By transforming these models into a format readable by AI, the company has developed capabilities far beyond surface-level geometry. Their tools can decipher internal structures, assess proper scale and measurements, and ultimately enable both analytical and generative AI applications.

From Insight to Innovation: The Lifecycle of an AI-Driven Project

Physna’s projects follow a sequence that begins with ingestion and analysis of a company’s 3-D model data. “Instead of starting with a giant training dataset to make something generalized,” Powers explains, “we focus on data specific to a company or industry.” This specificity is crucial. A part designed for aerospace functions vastly differently than one built for automotive applications, even if they might appear similar on the surface.

The early stages of a project are analytical. By understanding the relationships between a part’s geometry and its metadata—such as how it’s manufactured or how it performs in the field—Physna provides immediate benefits. Companies can deduplicate parts, identify alternative suppliers, and streamline design processes by leveraging existing knowledge. This alone can significantly reduce costs and engineering cycle times.

Only after these foundational insights are established does generative AI come into play. Here, Gen AI doesn’t attempt to create entire planes or vehicles from scratch. Instead, it is used to optimize individual components—say, a more wear-resistant fuel valve under a specific weight threshold. Powers emphasizes that reliable generative outputs stem from deep analytical understanding. “You need to understand what works and what doesn’t based on past data before you can responsibly generate new designs.”

Enhancing, Not Replacing, Human Ingenuity

The specter of job displacement often shadows AI discussions. But in Powers’ experience, engineers and designers inside companies aren’t threatened by these tools. “They’re thinking, ‘You’re making my job way easier,’” he notes. Physna helps these professionals move away from redundant tasks like redesigning already existing parts and toward higher-value activities such as innovation and optimization.

The fear of obsolescence, he argues, is largely external. Inside organizations, the reaction tends to be pragmatic. If a tool prevents engineers from inadvertently reinventing the wheel, it’s not eliminating jobs—it’s enhancing human capability. “You’re making them able to make faster, more accurate, and better decisions more rapidly,” he says.

Breaking the Learning Curve with Intuitive Design

One of the clearest insights from Powers is his view on adoption. “If we have to spend too long training somebody, we’ve messed up,” he says. His goal is to make Physna’s platform so intuitive that even highly technical tasks become accessible without extensive onboarding. This is achieved by designing interfaces that mirror natural human interactions—point, click, and increasingly, converse.

He draws parallels with ChatGPT, noting how the lack of a traditional menu system allows users to engage in a more natural, conversational flow. While complex design tasks still require precision, the goal is to move toward an interface where users can communicate intentions directly and get results without elaborate instructions.

Trust, however, remains the biggest barrier. Not blind trust, but a willingness to “dare to try something new.” Powers sees this psychological leap as more significant than any technical hurdle. Once users see the productivity gains, resistance fades.

The Future of Gen AI in Design

Looking ahead, Powers anticipates a future where AI systems become both more specialized and more generalized. It sounds paradoxical, but what he means is that domain-specific tools like Physna will offer generalized, intuitive interfaces. Users won’t need to understand the inner workings of 3-D modeling or AI to get meaningful results—they’ll simply describe what they need, and the system will do the heavy lifting in the background.

Gen AI tools, like language models today, will become increasingly attuned to individual users.

He also sees deeper personalization on the horizon. Gen AI tools, like language models today, will become increasingly attuned to individual users. Preferences, habits, and workflows will be learned and adapted to, allowing the AI to anticipate needs instead of just responding to commands.

And the physical-digital divide will continue to shrink. Physna is already experimenting with integrations involving augmented reality, providing real-time interactions with 3-D models. In the near future, your glasses might not only display a model but also predict what you’re about to ask about it—and take action accordingly.

Designing the Future, One Model at a Time

Paul Powers and his team at Physna aren’t just digitizing design—they’re reimagining it. By blending the strengths of analytical and generative AI, they’re creating a platform that empowers engineers to innovate faster, smarter, and with more context than ever before. In this world, design becomes less about drawing from scratch and more about evolving with insight.

As Gen AI continues to evolve, so too will its role in shaping the physical world. With leaders like Powers at the helm, the promise of AI in design feels less like a distant horizon and more like a rapidly unfolding reality.

About the Author

Dr. Gleb TsipurskyDr. Gleb Tsipursky, called the “Office Whisperer” by The New York Times, helps SME leaders in professional and financial services transform AI hype into real-world results. 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.

Why Your Team Fails to Use Gen AI Effectively and How to Change It

By Dr. Gleb Tsipursky

In today’s rapidly evolving technological landscape, generative artificial intelligence (Gen AI) has emerged as a transformative force, reshaping industries and redefining operational paradigms. It offers unprecedented opportunities for organizations to enhance efficiency, innovation, and competitiveness. For organizational leaders, the imperative is clear: to harness the full potential of Gen AI, a meticulously crafted learning program is essential. Such a program must address the diverse needs of the workforce, ensuring that employees are not only knowledgeable but also proficient in applying Gen AI tools within their specific roles. As Gen AI adoption accelerates, training programs must prioritize relevance, accessibility, and equity to ensure maximum impact.

Tailoring Learning Content to Specific Roles to Use Gen AI

A universal training approach often falls short in addressing the unique requirements of different roles within an organization. To maximize the impact of Gen AI, it’s crucial to develop role-specific learning modules that align with the distinct responsibilities and expertise levels of employees. This targeted strategy ensures that each team member acquires relevant knowledge and skills pertinent to their function, driving both efficiency and innovation.

By tailoring training to specific job functions, organizations foster greater engagement, ensuring employees see direct applications of their learning.

For instance, in a law firm setting, attorneys might focus on leveraging Gen AI for legal research, contract analysis, and drafting legal documents, while paralegals could concentrate on automating routine administrative tasks. Similarly, in the healthcare sector, clinicians might utilize Gen AI for diagnostic insights, while administrative staff employ it for scheduling and patient communications. Personalized and role-based learning has traditionally been challenging to implement at scale, but Gen AI offers solutions that enable organizations to overcome these barriers. By tailoring training to specific job functions, organizations foster greater engagement, ensuring employees see direct applications of their learning.

Balancing Theory with Practical Application to use Gen AI

While understanding the theoretical foundations of Gen AI is important, the true value emerges from practical application. Incorporating hands-on exercises and real-world case studies into training programs bridges the gap between abstract concepts and day-to-day practice. This experiential learning approach enables employees to apply Gen AI tools effectively, fostering both confidence and competence.

An effective Gen AI learning program must be accessible and inclusive, catering to employees with varying technical backgrounds and learning preferences. Offering training materials in multiple formats—such as video tutorials, written guides, and interactive simulations—ensures that all employees can engage with the content effectively. For example, some employees may prefer step-by-step video demonstrations, while others might favor detailed textual instructions.

Beyond delivery methods, inclusivity extends to addressing potential biases in training materials and the Gen AI tools themselves. Research from Harvard Business Review underscores that AI systems can inadvertently perpetuate bias if not carefully monitored. Organizations should conduct regular audits of their training content and AI algorithms to promote fairness and equity. Partnering with external experts or adopting frameworks like the Responsible AI approach from Microsoft can help organizations maintain high standards of inclusivity and ethics.

Inclusivity also means providing additional support for employees who may face barriers to learning, such as offering extra training sessions or creating peer mentoring programs. By prioritizing inclusivity, organizations foster a learning environment where every employee feels empowered to develop their Gen AI skills, enhancing organizational capability and morale.

Case Study: A Law Firm’s Gen AI Transformation

A regional law firm recognized the strategic importance of Gen AI in maintaining its competitive edge. To standardize knowledge and leverage AI’s potential, the firm asked me to help them launch a comprehensive learning program tailored to its diverse workforce. Attorneys focused on applications like legal research, drafting, and risk analysis, while paralegals and administrative staff concentrated on automating scheduling, data management, and communications.

The program’s cornerstone was its emphasis on practical application. Employees participated in workshops where they applied AI tools to real-world scenarios, such as automating the review of case documents or drafting responses to legal inquiries. Training materials were made accessible in various formats—video, interactive modules, and written guides—ensuring all staff could engage effectively.

Within six months, the firm observed significant improvements:

  • Adoption rates of Gen AI tools surged from under 20% to over 85%.
  • Attorneys reported a 30% increase in efficiency for document drafting and analysis.
  • Administrative staff reduced time spent on routine tasks by 20%, freeing them to focus on higher-value activities.

These results underscore the transformative potential of a well-designed Gen AI learning program, demonstrating measurable benefits across multiple dimensions of organizational performance.

Overcoming Common Challenges

Many employees suffer from automation anxiety, the fear that their skills may become obsolete.

Despite its promise, implementing a Gen AI learning program is not without challenges. One common obstacle is resistance to change, particularly among employees unfamiliar with AI technologies. Likewise, many employees suffer from automation anxiety, the fear that their skills may become obsolete. To address this, leaders should emphasize the tangible benefits of Gen AI through clear communication and success stories of upskilling from within the organization.

Another challenge is maintaining engagement throughout the training process. Gen AI learning programs should incorporate gamification elements, such as quizzes and progress tracking, to sustain interest.

Lastly, organizations must allocate sufficient resources—both financial and human—to develop and sustain their training initiatives. Securing leadership buy-in is essential to ensure that Gen AI training receives the necessary support and aligns with broader organizational goals, while managing risks.

Conclusion

Designing an effective Gen AI learning program is a strategic imperative for organizational leaders in the era of artificial intelligence. By tailoring content to specific roles, balancing theoretical knowledge with practical application, and ensuring accessibility and inclusivity, organizations can empower their workforce to harness the full potential of Gen AI. The success of these initiatives lies not only in enhancing individual capabilities but also in driving broader organizational transformation. As demonstrated by real-world case studies, a thoughtfully designed learning program can unlock significant efficiency gains, foster innovation, and position organizations as leaders in their industries.

About the Author

Dr. Gleb TsipurskyDr. Gleb Tsipursky, called the “Office Whisperer” by The New York Times, helps SME leaders in professional and financial services transform AI hype into real-world results. 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.

QI Group: From Startup to Global Conglomerate

QI Group

Building a multinational conglomerate requires more than business acumen—it demands a unifying philosophy that transcends borders and cultures. QI Group has achieved this through what co-founder Vijay Eswaran calls their “secret sauce”: a commitment to stakeholder capitalism and guiding values of sustainability, integrity, service, and leadership that began with two entrepreneurs in 1998 and now spans operations across five continents. 

During the 1998 Asian financial crisis, most entrepreneurs avoided launching new ventures. Yet Vijay Eswaran and Joseph Bismark chose this turbulent period to establish QI Group, transforming an initial direct selling operation into a multinational enterprise spanning education, wellness and lifestyle, travel and leisure, luxury goods, and retail across more than 30 countries

The enterprise operates from dual command centers designed to maximize global reach while maintaining operational efficiency. This Hong Kong-registered organization coordinates worldwide activities through its corporate headquarters in Hong Kong, complemented by an operational center housed within Malaysia’s first Green Mark Gold-certified high-rise building.

“Leadership is not about telling people what to do,” Eswaran explained in a recent interview. “A true leader is one who knows how to serve.” This servant leadership philosophy has guided the company’s expansion from its founding to its current status as a diversified international enterprise.

Who is the CEO of QI Group of Companies?

The CEO-equivalent role at QI Group is held by Group Managing Director Kuna Senathirajah. He has been a member of the QI Board for over two decades and currently oversees the company’s global operations across all business units.

While QI Group does not use the traditional “CEO” title, Kuna Senathirajah functions as the company’s top executive, responsible for driving strategy, operational leadership, and long-term growth initiatives. His appointment reflects a governance model that emphasizes collective leadership and continuity, shaped by deep institutional knowledge.

The company is overseen by a Board of Directors, led by Executive Chairman Vijay Eswaran and Deputy Chairman Joseph Bismark, the co-founders of QI Group. Together, the Board provides strategic direction, upholds the company’s RYTHM philosophy (Raise Yourself To Help Mankind), and ensures alignment with its core values of sustainability, service, integrity, and leadership.

Where is QI Group headquarters?

QI Group is headquartered in Hong Kong, with an operational center in Malaysia’s Selangor state.

This dual-hub model allows the company to coordinate global activities efficiently while anchoring its sustainability goals in Asia.

  • Hong Kong: Chosen for its financial infrastructure, strategic location, and international access
  • Malaysia: Home to QI Tower, a 15-story green-certified office building that became the first existing high-rise in Malaysia to receive Singapore’s Green Mark Gold certification

This geographic structure enables the group to manage operations in 30+ countries across five continents.

What Industries and Companies Does QI Group Invest In?

QI Group’s portfolio demonstrates calculated risk distribution across multiple industries and geographic regions. The organization channels expansion through QI Capital, its dedicated investment division, which maintains active positions in companies throughout Malaysia, Sri Lanka, India, Hong Kong, New Zealand, the United Kingdom, and the United States.

These investments encompass financial services institutions, educational enterprises, telecommunications companies, luxury manufacturing, organic retail operations, hospitality management, and digital marketplace platforms.

Educational investment centers on Quest International University, QI Group’s Malaysian institution that has enrolled students from 50 nations since launching in 2011. The university’s financial stability received validation through a groundbreaking $21.48 million Sukuk Ijarah program—an Islamic financing structure that marked QI Group’s debut in Malaysian capital markets.

The company’s luxury market positioning relies on Swiss timepiece heritage. The company owns Cimier, a historic watchmaker that reached its 100th anniversary in 2024, alongside the Bernhard H. Mayer Collection, which traces its origins to 1871. These acquisitions provide QI Group with authentic luxury credentials in markets that value craftsmanship and tradition.

Its hospitality investments emphasize sustainable tourism through eco-certified properties. Operations span Thailand, Malaysia, Sri Lanka, and Turkey, with flagship property Prana Resort Nandana earning Thailand’s Green Hotel Standard gold rating for comprehensive environmental practices

How Does QI Group Support Employees and Communities?

QI Group’s human capital approach reflects its international scope through deliberate diversity cultivation. The workforce encompasses individuals from approximately 50 countries, creating an environment where multiple languages and cultural perspectives inform business decisions.

Gender representation achieves near-parity, with women comprising 47% of total employees. Age diversity spans from 19 to 65 years, ensuring multigenerational perspectives influence long-term planning and operational execution.

“I am a proponent of management by consensus,” Eswaran explained in discussing workforce management. “If you want to create an environment that fosters creativity and innovation, then you need to allow diversity of opinions. It’s not about giving up control but about making an informed decision.”

Employee engagement extends beyond traditional workplace boundaries through community service. Staff members have accumulated more than 125,000 volunteer hours since 2013, participating in local environmental projects, educational initiatives, and community development programs. The 2021 Green Legacy program has established 25,000 trees across 11 countries, beginning with dedicated forests in Kenya, the United Arab Emirates, and the Philippines before expanding to Indonesia, Algeria, Turkey, Azerbaijan, Egypt, Morocco, and Malaysia.

Over two decades after launching during Asia’s financial turmoil, QI Group has created something unusual in the corporate world: a genuinely global organization where a genuinely diverse variety of backgrounds contribute to a shared mission. Their success suggests that servant leadership and stakeholder capitalism, concepts often dismissed as idealistic, can actually power sustainable international growth when applied consistently across cultures and continents.

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

Gen Z and Millennials are Saving Smarter: Here’s What Lucas Noble Says They are Doing Differently

Young woman with red hair managing finances while using her smartphone and smiling in a cozy living room

Over the past few years, younger generations have begun proving that they are being wise when it comes to saving their money. Despite rising living costs and a turbulent economy, Millennials and members of Gen Z are finding ways to build savings and invest earlier than their predecessors. While Baby Boomers and Gen X came of age in a time of more affordable housing and less educational debt, younger workers are navigating a very different financial world.

According to a recent survey conducted by Bank of America, 26 percent of Gen Z contributed to a retirement account over the past year, and one in five Gen Zers aged 18 to 24 were already contributing to a 401(k) plan. This is starkly different from older generations, many of whom waited until their thirties or even forties to begin. Technology has played a central role in shaping these habits. The widespread availability of budgeting apps, automated savings platforms, and investment tools allows younger users to manage their finances with a level of ease and transparency that was unavailable to prior generations.

Financial planners who work closely with younger clients are also noticing the change. Lucas Noble, founder of Noble Financial Group, says this generation is planning differently than their parents did. Based in Massachusetts, Noble advises young professionals and families nationwide, witnessing firsthand how access to information and tools has reshaped financial behavior. “There’s a growing sense of intentionality,” he explains. “They’re not waiting for a crisis to get serious about money. They’re taking early action, even if they’re not earning much yet.”

According to Noble, the combination of digital resources and changing values has led to more productive financial conversations. “Many of my clients in their twenties and thirties come in already familiar with retirement accounts, tax implications, and investing basics,” he says. “Instead of explaining the ‘what,’ we’re spending more time on the ‘how.’ How to prioritize goals, how to evaluate tradeoffs, how to create flexibility.”

Education has expanded well beyond traditional classrooms or bank seminars. Platforms like Coursera, Khan Academy, and YouTube offer thousands of free and low-cost lessons on budgeting and investing. Social media has also emerged as a space where personal finance is openly discussed. According to a 2022 Morning Consult report, 38 percent of Gen Z adults report learning about money through platforms like TikTok and Instagram.

Younger employees are maximizing the tools at their disposal. Noble notes that clients often come in with detailed questions about employer matches and vesting schedules. “They’re trying to figure out how to make every benefit work for them,” he says. “It’s not about doing the bare minimum. It’s about getting the most from what’s available.”

These patterns suggest that Gen Z and Millennials are actively shaping a new framework for personal finance. With the help of accessible tools, better benefits, and more transparent conversations, they are approaching money with a level of clarity and intention that sets them apart from earlier generations. 

Navigating the Prior Authorization Process: Tips for Medical Providers

Rear view of couple of girls signing medical contract during meeting with doctor in office

Dealing with the prior authorization process is part of daily life for medical providers, but that doesn’t make it any easier. Delays, denials, and administrative burdens can slow down care and frustrate both staff and patients. That’s why optimizing your workflow and adopting the right tools is key to making prior auth more manageable. In this article, we break down tips and best practices that help providers speed up approvals and reduce rework. For a full breakdown of the process, check out our https://pharmbills.com/blog/the-ultimate-step-by-step-guide-to-prior-authorization.

Understanding the Prior Authorization Workflow

The prior authorization workflow typically begins after a physician determines a patient needs a specific service, medication, or diagnostic test. From there, the provider’s administrative team is responsible for confirming that the service requires prior auth and initiating the request with the patient’s insurance provider.

The key steps are:

  1. Check the patient’s insurance plan for prior auth requirements.
  2. Gather supporting documentation, including clinical notes, diagnostics, and treatment history.
  3. Submit the request to the insurance company via portal, fax, or phone.
  4. Monitor status and follow up until a determination is made.
  5. Address any additional requests for documentation or initiate an appeal if denied.

This cycle can stretch for days – or longer – especially if the process isn’t tightly managed. Mapping out your workflow and ensuring all stakeholders know their roles will improve both speed and accuracy.

Best Practices for Reducing Denials

Claim denials for prior authorization can be costly and frustrating. Often, they happen because of simple oversights that could have been avoided with a few process adjustments.

Here are the best practices to help minimize rejections:

  • Use payer-specific checklists: Each insurer has different documentation requirements. Standardized forms don’t always apply.
  • Confirm clinical necessity: Include relevant ICD-10 codes and treatment justifications in your submission.
  • Double-check data before submission: Typos, missing dates, and mismatched patient info can lead to auto-denials.
  • Track turnaround timelines: Set calendar reminders to follow up with insurers and avoid expiring authorizations.

Keeping your team trained and aligned with current payer policies is essential. Assigning a dedicated prior auth specialist – or outsourcing to professionals – can be a smart long-term move.

Using EHR and Portals to Simplify Prior Auth

Technology can play a huge role in making prior authorization faster and more accurate. Many electronic health record (EHR) systems now integrate prior auth features, allowing providers to submit directly to payers from the platform they already use.

Benefits of using EHR and payer portals:

  • Faster submissions and automated alerts
  • Centralized tracking of outstanding requests
  • Reduced paper forms and redundant communication
  • Built-in eligibility verification tools

If your EHR system doesn’t yet support these features, workarounds like payer-specific portals can still help. The key is choosing digital systems over manual processes whenever possible – they save time, reduce human error, and improve visibility into request status.

Handling Urgent and Expedited Authorizations

Certain medical services require immediate attention. In those cases, providers can request expedited authorization, but they must meet specific criteria set by each insurer.

Situations that may qualify for urgent review:

  • Risk to the patient’s health if treatment is delayed
  • Uncontrolled pain or rapidly worsening symptoms
  • Emergency procedures requiring hospitalization or surgery

To expedite a request, always:

  • Mark it as “urgent” and follow the insurer’s expedited submission protocol
  • Include a clear clinical rationale with supporting evidence
  • Contact the insurer directly to ensure proper routing

Not all expedited requests are approved, so it’s important to follow up and keep alternate care plans ready if needed.

Conclusion

Prior authorization will likely remain part of modern healthcare for the foreseeable future, but that doesn’t mean it has to derail your practice. By understanding the process, applying best practices, and using technology to streamline tasks, providers can reduce delays, prevent denials, and protect both revenue and patient outcomes.

StateFunds.com Supports User Flow With A Clean Financial Interface

Financial services for business people, laptop with website on screen on office desk

Zürich, Switzerland – StateFunds.com is a financial services platform that focuses on helping users manage various money-related tools online. The brand has introduced a refreshed interface that puts clarity at the center of its design, helping people navigate the site without confusion or distractions. This new development supports easier access to resources and aims to streamline the way users interact with the platform. By improving layout and flow, the company is addressing common complaints in the financial space—mainly cluttered dashboards, unclear information, and disorganized tools.

Simplified Navigation That Supports Decision-Making

One of the major strengths highlighted in the recent StateFunds.com review is the ease of movement from one section of the site to another. The layout does not bombard visitors with unnecessary details but instead groups important features in a way that feels natural to follow. In a space where clarity often takes a back seat, this subtle, clean presentation allows users to focus on tasks like account tracking, performance evaluation, and financial planning with less frustration.

Visual Balance And Usability Features

Digital platforms in finance often fall into the trap of packing in features while neglecting the interface’s readability. A recent StateFunds.com review pointed out how the site avoids this mistake by adopting a layout that places function over form without losing visual balance. The typography is readable, icons are clearly labeled, and the overall color palette is both calm and modern. These elements make daily use easier, especially for those who may not be deeply familiar with online financial tools.

Time Efficiency For Everyday Tasks

Efficiency is a major concern when it comes to managing financial accounts online. A StateFunds.com review noted that the current structure reduces the time needed for completing simple actions such as checking balances or reviewing historical activity. The company’s effort to support faster interactions helps users stay engaged without having to deal with delays or unclear menus. This attention to time-saving design can make a significant difference in both short-term use and long-term satisfaction.

Device-Friendly And Responsive Setup

As part of the push for cleaner interface design, the site now functions seamlessly across desktops, tablets, and mobile devices. A StateFunds.com review noted that the consistency across screen sizes has made it more dependable during on-the-go use. Whether checking reports during commutes or managing accounts from home, the experience remains stable. This multi-device support aligns with growing user expectations for flexibility and continuity in the financial space.

Focus On Feedback And Real-World Use

The platform’s design update came after an extended period of feedback collection, allowing the service to focus on what actually matters to the average user. Instead of applying abstract theories, the team prioritized data gathered from real users to redesign its layout. This has helped reduce unnecessary steps while still keeping important tools visible and ready to use.

About StateFunds.com

StateFunds.com is a digital financial platform designed to help users access and manage a variety of financial tools in one place. Built with a focus on simplicity and usability, it offers a range of resources to support financial planning and everyday account management. With its most recent updates, the platform is now more focused on clean design and direct user flow, responding to the growing demand for efficient digital financial services. It combines user feedback with thoughtful design choices to deliver a service that aligns with the practical needs of modern users.

By refining its visual structure and layout, the company behind the service has taken a step forward in the digital financial space. The focus on smooth flow, clean navigation, and clear communication has been noticed by regular users and new visitors alike. As highlighted in multiple StateFunds.com review discussions, this shift is not about adding more features but about making the experience more understandable and human. The company’s choice to listen to its user base and apply those insights to its design changes sets it apart in a crowded and often confusing field.

Company Details

Oil Prices Slide as Tariff Concerns Hit Global Demand Outlook

oil barrels with chart in the investment market data business 3d illustration

Crude oil prices held steady during early trading in Asia on Friday but remained on course for their sharpest weekly decline since late June, as fresh tariffs sparked fears of a slowdown in global economic growth.

Brent crude futures inched down three cents to $66.40 per barrel by 0050 GMT, while U.S. West Texas Intermediate (WTI) futures slipped six cents to $63.82 per barrel. Brent is on pace to lose over 4% this week, and WTI more than 5%, amid rising investor anxiety over reduced energy demand.

The dip follows the implementation of new U.S. trade tariffs on Thursday targeting several major economic partners. Analysts at ANZ Bank said the levies heightened concerns about a potential drop in industrial activity, which could curb the need for crude.

Oil markets were already under pressure after OPEC+ announced last weekend that it would end its largest production cut earlier than planned, fully rolling it back by September. The decision added to the oversupply worries.

WTI futures have now fallen for six straight sessions, matching a losing streak not seen since December 2023. Should prices close lower again on Friday, it would mark the longest decline since August 2021.

Geopolitical developments added another layer of uncertainty. The Kremlin confirmed on Thursday that President Vladimir Putin is scheduled to meet President Donald Trump in the coming days, fueling speculation about a potential diplomatic breakthrough in the conflict in Ukraine.

While new U.S. tariffs on Indian imports of Russian oil helped slow the decline in prices, analysts at StoneX cautioned that the move is unlikely to significantly disrupt Russia’s oil exports.

Trump also signaled the possibility of similar trade penalties on China, the top buyer of Russian crude, adding further volatility to an already nervous market.

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