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Form 13G Our Bond For: 5 June

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McDonald’s tests AI order-taking system ArchIQ at five US locations

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McDonald's tests AI order-taking system ArchIQ at five US locations

McDonald’s customers may soon be giving their order to a robot.

The fast food company is testing a new artificial intellience order-taking system at the drive-thru called ArchIQ at five locations across the country right now, according to Restaurant Business Magazine.

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The initiative is part of the company’s new brand strategy called McDonald’s Next, which was announced this week.

FOX Business has reached out to McDonald’s for comment.

MCDONALD’S UNVEILS NEW GROWTH STRATEGY TO WIN BACK CUSTOMERS

McDonald's drive-thru

McDonald’s is testing a new A.I. order-taking system at the drive-thru. (Artur Widak/NurPhoto via Getty Images / Getty Images)

While introducing McDonald’s NEXT earlier this week, CEO Chris Kempczinski said that customers shouldn’t have to choose between “hospitality or speed.”

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McFranchisee, an X account for a McDonald’s franchise, said this week that Google is affiliated with the new project.

“Meet Archy IQ – no, we are not new to AOT. In fact, we have been in this AI field for about 8 years,” McFranchisee wrote on X on Tuesday.

MCDONALD’S AI HIRING CHATBOT EXPOSED DATA OF JOB CANDIDATES

“We sold our in-house model to IBM and moved on as it wasn’t good enough for our needs. As mentioned below, I wanted to hire Google (who uses NVIDIA) to service our AOT 3 years ago and found out today that Google is behind this project. We are currently in 5 test stores, having processed over 1M transactions with about 90% of orders completed without human escalations. Impressive for a new test.”

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NEW YORK CITY - JANUARY 05: A woman works in a McDonalds in Manhattan on January 05, 2024 in New York City. As the American economy continues to outperform expectations, the December jobs report showed that employers added 216,000 positions for the month as the unemployment rate held at 3.7% (Photo by Spencer Platt/Getty Images)

A woman works in a McDonalds in Manhattan on January 05, 2024 in New York City.  (Spencer Platt/Getty Images / Getty Images)

McFranchisee said that every McDonald’s in the country will get Google Edge Cloud blades installed ahead of the rollout.

“Archy will not only assist drive-thru orders but act as a master brain to help managers run a better restaurant,” it added. “It’s like a personal assistant that alerts you to potential bottlenecks or issues.”

Most of the comments under the X post were negative.

“We all hate the system installed at Wendy’s,” one person wrote. “We hate the kiosks at McDonald’s, Wendy’s, and Taco Bell that we are asked to use instead of talking to a person. We will hate this too. Say goodbye to customers.”

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McDonald's

The McDonald’s logo is displayed at a McDonald’s restaurant on July 22, 2024 in Burbank, California.  (Mario Tama/Getty Images / Getty Images)

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“No one wants this – we like dealing with smiling faces,” another said, to which McFranchisee replied, “We still smile at the cash and present window – this is just at the speaker.”

The new A.I. initiative comes two years after McDonald’s dropped another similar effort.

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Cairn India hits record high on BSE amid stake sale talks

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MUMBAI: Shares of Cairn India Ltd on Friday climbed over 5 per cent to hit a record high of Rs 358 on the BSE amid reports that Vedanta Resources is in talks to buy a majority stake in the subsidiary of UK-based Cairn Energy.

The scrip, which was flat for most of the session, shot up in the final hour of trade on the Bombay Stock Exchange to settle with a net gain of 4.36 per cent at Rs 355.45.

Analysts said the stock zoomed on reports that Vedanta is in talks to buy a 51 per cent stake in Cairn India from its parent firm, Cairn Energy, which holds a 62.4 per cent stake. The deal size is estimated to be between USD 8-8.5 billion.

“The deal is positive for the stock, as even the lower- end of the deal ($8 billion) will value Cairn India at USD 15.7 billion compared to the current market cap of $14.4 billion,” Elara Securities analyst Alok Deshpande said.

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“In the short term, we expect the stock to rally towards the deal valuation upon the official announcement, which is expected on August 16, according to media reports,” he added.


Cairn India’s parent company, Cairn Energy Plc, also zoomed nearly 2 per cent on the London Stock Exchange and was being quoted at 4.61 pounds in late afternoon trade.
In contrast, NRI billionaire Anil Agarwal-led Vedanta Resources Plc plunged by 5.5 per cent to 20.61 pounds on the LSE.In addition, Sterlite Industries, a Vedanta Group firm, sank by over 4 per cent to close at Rs 160.70 on the Bombay Stock Exchange. Sterlite was the biggest loser in the Sensex pack today.

“If the deal happens, it is obvious that Vedanta is planning to be a long-term investor. In that case, we feel the deal valuation is fair, considering our expectations of a reserve upside from other Rajasthan fields in some time in the future,” Deshpande said.

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Asset Quality Concerns Linger For Hingham Institution For Savings Stock (NASDAQ:HIFS)

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Asset Quality Concerns Linger For Hingham Institution For Savings Stock (NASDAQ:HIFS)

This article was written by

I have been involved in the financial world for over 25 years with experience as an advisor, teacher, and writer. I am a full believer in the free-market system and that financial markets are efficient with most stocks reflecting their real current value. The best opportunities for profits on individual stocks come from stocks that are less-widely followed by the average investor or from stocks that may not accurately reflect the opportunities that currently exist in their markets.

Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Seeking Alpha’s Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

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Old Fox has dream run on Dalal Street

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The Old Fox of Dalal Street has been on a dream run since the past couple of weeks. On Friday, most stocks that he had been steadily building up positions in figured among key gainers of the day. State Bank of India shares hit a new peak of Rs 2,879.95, before closing at Rs 2,849.40, up 2.35% over the previous close.

SpiceJet hit a 52-week high of Rs 68.45 before closing at Rs 66.05, up 8% over the previous close. Bombay Dyeing hit a 52-week high of Rs 684.85 before closing at Rs 661.55, up 12% over its previous close. Godrej Properties rose 3% to close at Rs 776.40. It remains to be seen, if the Fox will make a quiet exit when the going is good, or hang in there for bigger profits.

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A Step-by-Step Guide to Buying SpaceX at the IPO Price

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A Step-by-Step Guide to Buying SpaceX at the IPO Price

A Step-by-Step Guide to Buying SpaceX at the IPO Price

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Dow Surges While Broadcom Drags Tech Stocks Lower

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Dow Surges While Broadcom Drags Tech Stocks Lower

Healthcare and financial stocks helped push the Dow Jones Industrial Average higher Thursday while tech stocks lagged behind.

Shares in UnitedHealth, a Dow component, rose after Bank of America upgraded the stock, part of a broader rally in health-care stocks. Financial names in the blue-chip index including Goldman Sachs, JPMorgan and American Express also saw gains, as did payments giant Visa. The Dow is up about 800 points, or 1.6%, in afternoon trading.

Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8

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Alternative Funding For Small Businesses In The Philippines

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Alternative Funding for Small Businesses

It may be very thrilling and can be very difficult to start and maintain a small business in the Philippines. As opportunities are expanding in different sectors, availability of funds is one of the greatest issues to businesspersons. Even the best business ideas may fail to develop without the appropriate financial aid. That is why the knowledge of alternative sources of funds has become a mandatory matter among small business owners.

Alternative Funding for Small Businesses

Conventional Financing: It Is Still Relevant, but Difficult

The first source of thought when financing his or her business is with banks. They provide structured loans that have a comparatively low interest rate and have a long repayment period. Nevertheless, it is not always a simple process. Some of the challenges that plague many small business owners include:

  • Repressive documentation demands
  • Requirement of good credit history
  • Collateral demands
  • Long approval timelines

Due to this fact, bank loans are not always applicable to start-ups or businesses with urgent financing needs.

Researching Alternative Financing

In order to beat these hurdles, most entrepreneurs in the Philippines are currently looking into alternative financing approaches that are more lenient and available.

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  1. Fintech Lending Platforms

DLP offers speedy and easy access to finance. The process of applications is normally done online and approvals can take a matter of time. Nevertheless, the interest rates can be different in accordance with the platform.

  1. Partnerships and Private Investors

There are those businesses that opt to use investors as a means of raising funds. This is capable of introducing more capital but it is commonly associated with sharing ownership or a share of decision making.

  1. Licensed Moneylenders

The practice of licensed moneylenders has become a viable source of financing to a good number of small businesses. These lenders are licensed and authorized and therefore there is transparency and legal security of the borrowers.

They are known for:

  • Faster approval processes
  • Minimal documentation
  • Flexible repayment terms
  • Small and medium enterprise accessibility.

Reputable Licensed Moneylenders in the Philippines

When choosing this option, it is important to select a reliable and licensed provider. One such option is Supreme Money Lending Corp, which offers financing solutions designed to support small businesses with quicker and more accessible funding compared to traditional banks.

Other financial service providers in the Philippines also offer alternative lending options, including Home Credit Philippines and Maya Bank both of which provide accessible loan services for individuals and small business owners.

Selection of the Right Financing Choice

The choice of the appropriate means of financing is determined by the needs of your business and finances. It is important to evaluate:

  • Interest rates and overall repayment of the cost.
  • Speed of loan processing
  • Repayment flexibility of terms.
  • Lender credibility/ transparency.

All the options have their pros and what has worked in one business may not work in another.

Conclusion

Alternative financing has taken a significant role in the Philippine business environment. Although banks remain an important factor, there are alternative mechanisms that can offer all the necessary flexibility, including fintech sites, investors, and licensed moneylenders. Access to various sources of funds can be a huge difference to the owners of the small business. It would be easy to control cash flow and deal with unforeseen costs, as well as concentrate on consistent development of the business without undue delays with the appropriate financial partner.

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Asia Pacific Factory Automation Market Set to Nearly Double, Reaching $194.52 Billion by 2032

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Asia Pacific Factory Automation Market Set to Nearly Double, Reaching $194.52 Billion by 2032

The Asia Pacific industrial control and factory automation market is on a steep growth trajectory, with new research projecting it will expand from USD 95.73 billion in 2025 to USD 194.52 billion by 2032, a compound annual growth rate of 10.7% over the forecast period.

Key takeaways

  • Asia Pacific’s industrial control and factory automation market is set to more than double from USD 95.73 billion in 2025 to USD 194.52 billion by 2032, growing at a 10.7% CAGR.
  • The automotive sector remains the dominant end-user, while industrial 3D printing emerges as the fastest-growing technology segment driving the next wave of smart manufacturing.
  • India stands out as one of the region’s fastest-growing markets, with multinational leaders like ABB, Siemens, FANUC, and Mitsubishi Electric competing to capture the automation boom.

The findings, published by MarketsandMarkets, point to a confluence of structural forces reshaping how manufacturers across the region operate. Rising labor costs, worker shortages, and the need for consistent output are pushing companies to accelerate automation investment, while government-backed manufacturing programs and the broader adoption of industrial IoT and artificial intelligence technologies are sustaining the market’s momentum.

3D Printing Emerges as the Fastest-Growing Segment

Among the technology components tracked in the report, industrial 3D printing stands out as the segment expected to post the highest growth rate through 2032. Manufacturers in the automotive, electronics, aerospace, and industrial equipment sectors are integrating additive manufacturing directly into automated production lines, enabling reductions in lead times, greater design flexibility, and stronger support for local manufacturing. Advances in materials science, production-grade hardware, and digital manufacturing workflows are accelerating adoption, cementing 3D printing’s role as a core automation element across the region.

Automotive Sector to Maintain Dominant Position

When viewed by end industry, the automotive sector is projected to lead the market through the end of the forecast period. Automakers are deploying industrial robots, advanced control systems, and digital factory solutions at scale to improve efficiency, quality, and production flexibility. The rapid expansion of electric vehicle production and battery manufacturing, combined with the ongoing modernization of automotive plants in China, Japan, India, and Southeast Asia, is expected to sustain the sector’s commanding position. Pressures around cost reduction, workplace safety, and supply chain resilience are also driving both original equipment manufacturers and component suppliers to deepen their automation investments.

India Poised for Standout Growth

Among individual markets in the region, India is highlighted as one of the fastest-growing. Strong demand from the automotive, electronics, pharmaceuticals, and process industries is accelerating investments in control systems, robotics, and industrial software, while government initiatives supporting industrial modernization, localization, and smart manufacturing are further strengthening automation deployment across the country.

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A Competitive Field of Global Giants

The competitive landscape features a roster of multinational leaders. Key players operating in the Asia Pacific market include ABB (Switzerland), Siemens (Germany), Schneider Electric (France), Mitsubishi Electric Corporation (Japan), FANUC Corporation (Japan), Emerson Electric Co. (US), GE Vernova (US), Rockwell Automation (US), Honeywell International Inc. (US), Yokogawa Electric Corporation (Japan), and OMRON Corporation (Japan), among others.

The data underscores a broader regional pivot: across Asia Pacific’s industrial base, automation is rapidly shifting from a competitive advantage to a baseline requirement, and the investment numbers reflect that urgency.

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White Mountains Insurance Group, Ltd. (WTM) Analyst/Investor Day Transcript

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OneWater Marine Inc. (ONEW) Q1 2026 Earnings Call Transcript

White Mountains Insurance Group, Ltd. (WTM) Analyst/Investor Day June 5, 2026 10:00 AM EDT

Company Participants

Weston Hicks
Liam Caffrey – CEO & Director
Michael Papamichael – MD & CFO
Ian Beaton – Founder & CEO
Nicholas Bonnar – Chief Underwriting Officer
Robert Jakacki – Managing Partner, CEO & Co-Chief Investment Officer
Kevin Pearson
Seán McCarthy – CEO, MD & Director
John Daly – CEO & Managing Partner
Jonathan Cramer – Chief Investment Officer

Conference Call Participants

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Jason Rotman
John Chu – Bamboo Ide8 Insurance Services, LLC
Michael O’Connor – BroadStreet Partners Group, LLC
Mark O’Connor
Alon Ketzef – PassportCard Limited
Matt House

Conversation

Weston Hicks

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Good morning. I’m Weston Hicks, the Chair of White Mountains Insurance Group, and I’d like to welcome all of our guests in the room, of course, members of management as well and those participating via the Internet on the webcast. I’d like to recognize the Board members who are in attendance today, Reid Campbell, if you’d just raise your hand; Pete Carlson; Mary Choksi; our newest Director, John Chu; Margie Dillon; Philip Gelston and David Tanner, who is also our Deputy Chairman. And with us in spirit, but unable to attend is Suzanne Shank, who is a terrific director and our expert, among other things, in municipal finance.

So with that as an introduction, I’d like to turn it over to Liam Caffrey, our CEO, who will get the program started. Thank you.

Liam Caffrey
CEO & Director

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Thank you, Weston. Welcome. Before we get going, I’d like to recognize a few members of our management team who are here today and maybe ask them to again raise their hands. So joining me on stage and picking up some of the presentation will be our CFO, Mike Papamichael; and in a little bit, our CIO, Jonathan Cramer. In the audience, Giles Harrison, our President; Rob Seelig, General Counsel and Investor Relations, also manning the webcast and the man with the questions

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Hidden Business Ideas That Are Quietly Making Money

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hidden business ideas

When people talk about starting a business, the same ideas usually come up: food stalls, online selling, franchising, or maybe a small convenience store. These are tried-and-tested paths, but they also come with heavy competition. Everyone seems to be doing the same thing—and that makes it harder to stand out.

But what if the real opportunities are not in the obvious choices?

There are businesses out there that most people don’t even think about. They’re not commonly discussed, not oversaturated, and surprisingly… already making money for those who discovered them early.

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This article will introduce you to unconventional business ideas that are quietly profitable—and might just be your next big move.

hidden business ideas

Why Uncommon Businesses Work

The biggest advantage of a non-traditional business is low competition. When fewer people are offering the same product or service, you don’t have to fight as hard for customers. You can position yourself as a specialist instead of just another option.

Another benefit is higher perceived value. Unique services often allow you to charge more because customers can’t easily compare prices elsewhere.

Most importantly, these businesses tap into specific needs that are often overlooked.

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1. Digital Product Templates

This is one of the fastest-growing yet still underrated business models.

Instead of selling physical products, people are now creating and selling digital templates—things like resume designs, social media posts, planners, or business documents.

The best part? You create it once and sell it multiple times.

Platforms like marketplaces and personal websites make it easy to distribute. Many creators are earning passive income simply by uploading their designs.

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If you have basic design skills, this could be a powerful opportunity.

2. Micro-Consulting Services

Not everyone needs a full-scale consultant. Sometimes, people just want quick, focused advice.

This is where micro-consulting comes in. You offer short sessions—maybe 15 to 30 minutes—focused on solving a specific problem.

Examples include:

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  • Business idea validation
  • Social media strategy advice
  • Resume or interview coaching

Because it’s short and affordable, more people are willing to try it. And for you, it means you can serve multiple clients in a day.

3. Subscription-Based Communities

People are willing to pay not just for products—but for access and belonging.

Private communities focused on a niche topic are becoming profitable. Whether it’s business tips, freelancing support, or hobby groups, members pay monthly fees to stay inside the community.

You don’t need thousands of members. Even a small, engaged group can generate consistent income.

The key is providing value through discussions, exclusive content, or direct interaction.

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4. Content Repurposing Services

Content creators and business owners are always busy. They create videos, podcasts, or blogs—but don’t have time to maximize them.

This creates an opportunity for content repurposing.

You take one piece of content and turn it into multiple formats:

  • Short clips for social media
  • Quotes for posts
  • Blog articles from videos

This service is in demand because it saves time and increases reach.

And the best part? It requires more strategy than capital.

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5. Local Service Arbitrage

This might sound complicated, but it’s actually simple.

You find clients who need services (cleaning, repair, maintenance), then outsource the work to someone else at a lower cost. You keep the difference as profit.

You don’t need to do the work yourself—you just manage the client and the service provider.

This model is already being used globally and can be applied locally with minimal startup cost.

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6. Niche Content Channels

Instead of creating general content, focus on a very specific niche.

Examples include:

  • Stories about overseas workers
  • Daily business tips
  • Short mystery or horror stories

Once your audience grows, you can monetize through ads, sponsorships, or digital products.

The key is consistency and understanding your audience deeply.

7. AI-Assisted Services

Artificial intelligence is changing the way businesses operate—but many people still don’t know how to use it effectively.

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This creates an opportunity for AI-assisted services.

You can offer:

  • Content creation
  • Customer service automation
  • Marketing assistance

Even basic knowledge of AI tools can already give you a competitive edge.

What Makes These Businesses Profitable?

These ideas may seem unusual, but they share common traits:

  • Low startup cost
  • Scalable systems
  • Focused target market
  • Less competition

Instead of competing in crowded industries, they create their own space.

Should You Try One of These?

Not every business idea is for everyone. The best choice depends on your skills, interests, and available time.

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But if you’re tired of competing in saturated markets, exploring uncommon opportunities might be the smarter move.

Start small. Test your idea. Learn from the process.

You don’t need a perfect plan—you just need to begin.

The truth is, opportunities don’t always look obvious.

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Sometimes, the best business ideas are the ones people ignore—simply because they’re not familiar.

While others are busy competing in crowded markets, a few are quietly building income streams in less visible spaces.

The question is…

Will you follow the crowd, or will you explore what others are missing?

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