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Blending the physical and virtual worlds The last few years have seen developments in integrated technologies, such as Hypersurfaces and smart fabrics, which aim to convert everyday items into user interfaces, able to recognise physical interactions, collect real-world data and trigger commands ... Disruptive technology can support merger clearance We are all familiar with stories of digital innovators disrupting traditional business models and markets: companies like Uber, Airbnb, Deliveroo, and Netflix have not only changed how we buy the same old goods or service but what we want to buy at all. A... Data economy part 2: an environment of trust Undoubtedly, users are increasingly aware of data protection risks.  73% of US consumers surveyed by SAS reported increasing concerns about personal data privacy, with 67% feeling that the US government should be doing more; while in the UK research by Ja... Data economy part 1: what's your data identity? Reportedly the world's first set of principles for the use of AI and data analytics in finance, the Monetary Authority of Singapore ("MAS") guidelines promote "FEAT" - fairness, ethics, accountability and transparency.  Self-evident, perhaps, but as data ... 5G in the workplace - plenty of benefits, with a few risks 5G mobile connectivity will bring upload and download speeds of up to 20 times faster than we have now. It will enable more devices to access the internet at the same time, while reducing delay. Internet of Things applications will be able to transfer mor... FCA consultation on cryptoassets - light in the darkness? The “crypto” in cryptoasset ultimately derives from the Greek word κρυπτος, meaning hidden. This may seem fitting when there is little widespread understanding of cryptoassets (including cryptocurrencies like Bitcoin and Litecoin and other forms of digita... The mind as a disruptive technology Last week we hosted a talk entitled: “The mind as a disruptive technology”. It was jointly promoted by our Innovation network and Thrive, our mental health and wellbeing network. Jonathan Garner, founder of Mind over Tech, spoke engagingly about how our m... Innovation in the food supply chain Every January, thousands of people sign up to the #Veganuary challenge. Those who sign up agree to stick to an entirely plant based (vegan) diet. People's reasons for doing so are varied but concerns about the sustainability of food production and environ... Tax simplification from emerging technologies Wouldn't it be great if future technological development enabled tax to be calculated and taken direct from the taxpayer without the need for the individual to do anything other than perhaps press a button?  HMRC's ambition is to become one of the most di... Open Banking: Opportunities not closed yet Much has been made in the last couple of weeks about the anniversary of the introduction of the second Payment Services Directive (PSD2). It has been suggested, for example, that the lack of significant increase in the number of current accounts switched ...