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We’re Training Students To Write Worse To Prove They’re Not Robots, And It’s Pushing Them To Use More AI

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from the can-someone-ask-an-ai-about-incentives dept

About a year and a half ago, I wrote about my kid’s experience with an AI checker tool that was pre-installed on a school-issued Chromebook. The assignment had been to write an essay about Kurt Vonnegut’s Harrison Bergeron—a story about a dystopian society that enforces “equality” by handicapping anyone who excels—and the AI detection tool flagged the essay as “18% AI written.” The culprit? Using the word “devoid.” When the word was swapped out for “without,” the score magically dropped to 0%.

The irony of being forced to dumb down an essay about a story warning against the forced suppression of excellence was not lost on me. Or on my kid, who spent a frustrating afternoon removing words and testing sentences one at a time, trying to figure out what invisible tripwire the algorithm had set. The lesson the kid absorbed was clear: write less creatively, use simpler vocabulary, and don’t sound too good, because sounding good is now suspicious.

At the time, I worried this was going to become a much bigger problem. That the fear of AI “cheating” would create a culture that actively punished good writing and pushed students toward mediocrity. I was hoping I’d be wrong about that.

Turns out… I was not wrong.

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Dadland Maye, a writing instructor who has taught at many universities, has published a piece in the Chronicle of Higher Education documenting exactly how this has played out across his classrooms—and it’s even worse than what I described. Because the AI detection regime hasn’t just pushed students to write worse. It has actively pushed students who never used AI to start using it.

This fall, a student told me she began using generative AI only after learning that stylistic features such as em dashes were rumored to trigger AI detectors. To protect herself from being flagged, she started running her writing through AI tools to see how it would register.

A student who was writing her own work, with her own words, started using AI tools defensively—not to cheat, but to make sure her own writing wouldn’t be accused of cheating. The tool designed to prevent AI use became the reason she started using AI.

This is the Cobra Effect in its purest form. The British colonial government in India offered a bounty for dead cobras to reduce the cobra population. People started breeding cobras to collect the bounty. When the government scrapped the program, the breeders released their now-worthless cobras, making the problem worse than before. AI detection tools are our cobra bounty. They were supposed to reduce AI use. Instead, they’re incentivizing it.

And this goes well beyond one student’s experience. Maye describes a pattern spreading across his classrooms:

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One student, a native English speaker, had long been praised for writing above grade level. This semester, a transfer to a new college brought a new concern. Professors unfamiliar with her work would have no way of knowing that her confident voice had been earned. She turned to Google Gemini with a pointed inquiry about what raises red flags for college instructors. That inquiry opened a door. She learned how prompts shape outputs, when certain sentence patterns attract scrutiny, and ways in which stylistic confidence trigger doubt. The tool became a way to supplement coursework and clarify difficult material. Still, the practice felt wrong. “I feel like I’m cheating,” she told me, although the impulse that led her there had been defensive.

A student praised for years for being an exceptional writer now feels like a cheater because she had to learn how AI detection works in order to protect herself from being falsely accused. The surveillance apparatus has turned writing talent into a liability.

Then there’s this:

After being accused of using AI in a different course, another student came to me. The accusation was unfounded, yet the paper went ungraded. What followed unsettled me. “I feel like I have to stay abreast of the technology that placed me in that situation,” the student said, “so I can protect myself from it.” Protection took the form of immersion. Multiple AI subscriptions. Careful study of how detection works. A fluency in tools the student had never planned to use. The experience ended with a decision. Other professors would not be informed. “I don’t believe they will view me favorably.”

The false accusation resulted in the student subscribing to multiple AI services and studying how the detection systems work. Not because they wanted to cheat, but because they felt they had no other option for self-defense. And then they decided to keep quiet about it, because telling professors about their AI literacy would only invite more suspicion.

Look, I get it: some students are absolutely using AI to cheat, and that’s a real issue educators have to deal with. But the detection-first approach has created an incentive structure that’s almost perfectly backwards. Students who don’t use AI are punished for writing too well. Students who are falsely accused learn that the only defense is to become fluent in the very tools they’re accused of using. And the students savvy enough to actually cheat? They’re the ones best equipped to game the detectors. The tools aren’t catching the cheaters—they’re radicalizing the honest kids.

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As Maye explains, this dynamic is especially brutal at open-access institutions like CUNY, where students already face enormous pressures:

At CUNY, many students work 20 to 40 hours a week. Many are multilingual. They encounter a different AI policy in nearly every course. When one professor bans AI entirely and another encourages its use, students learn to stay quiet rather than risk a misstep. The burden of inconsistency falls on them, and it takes a concrete form: time, revision, and self-surveillance. One student described spending hours rephrasing sentences that detectors flagged as AI-generated even though every word was original. “I revise and revise,” the student said. “It takes too much time.”

Just like my kid and the school-provided AI checker, Maye’s student spent a bunch of wasted time “revising” to avoid being flagged.

Students spending hours rewriting their own original work—work that they wrote—because an algorithm decided it sounded too much like a machine. That’s time taken away from studying, working, caring for family, or, you know, actually learning to write better.

Learning to revise is a key part of learning to write. But revisions should be done to serve the intent of the writing. Not to appease a sketchy bot checker.

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What Maye articulates so well is that the damage here goes beyond false positives and wasted time. The deeper problem is what these tools teach students about writing:

Detection tools communicate, even when instructors do not, that writing is a performance to be managed rather than a practice to be developed. Students learn that style can count against them, and that fluency invites suspicion.

We are teaching an entire generation of students that the goal of writing is to sound sufficiently unremarkable! Not to express an original thought, develop an argument, find your voice, or communicate with clarity and power—but to produce text bland enough that a statistical model doesn’t flag it.

The word “devoid” is too risky. Em dashes are suspicious. Confident prose is a red flag.

My kid’s Harrison Bergeron experience was, in retrospect, a perfect preview of all of this. Vonnegut warned about a society that forces everyone down to the lowest common denominator by handicapping anyone who shows ability. And here we are, with AI detection tools functioning as the Handicapper General of student writing, punishing fluency, penalizing vocabulary, and training students to sound as mediocre as possible to avoid triggering an algorithm that can’t even tell the difference between a thoughtful essay and a ChatGPT output.

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Maye eventually did the only sensible thing: he stopped playing the game.

Midway through the semester, I stopped requiring students to disclose their AI use. My syllabi had asked for transparency, yet the expectation had become incoherent. The boundary between using AI and navigating the internet had blurred beyond recognition. Asking students to document every encounter with the technology would have turned writing into an accounting exercise. I shifted my approach. I told students they could use AI for research and outlining, while drafting had to remain their own. I taught them how to prompt responsibly and how to recognize when a tool began replacing their thinking.

Rather than taking a “guilt-first” approach, he took one that dealt with reality and focused on what would actually be best for the learning environment: teach students to use the tools appropriately, not as a shortcut, and don’t start from a position of suspicion.

The atmosphere in my classroom changed. Students approached me after class to ask how to use these tools well. One wanted to know how to prompt for research without copying output. Another asked how to tell when a summary drifted too far from its source. These conversations were pedagogical in nature. They became possible only after AI use stopped functioning as a disclosure problem and began functioning as a subject of instruction.

Once the surveillance regime was lifted, students could actually learn. They asked genuine questions about how to use tools effectively and ethically. They engaged with the technology as a subject worth understanding rather than a minefield to navigate. The teacher-student relationship shifted from adversarial to educational, which is, you know, kind of the whole point of school.

That line Maye uses: “these conversations were pedagogical in nature” keeps sticking in my brain. The fear of AI undermining teaching made it impossible to teach. Getting past that fear brought back the pedagogy. Incredible.

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This piece should be required reading for every educator thinking that “catching” students using AI is the most important thing.

As Maye discovered through painful experience, the answer is to stop treating AI as a policing problem and start treating it as an educational one. Teach students how to write. Teach them how to think critically about AI tools. Teach them when those tools are helpful, when they’re harmful, and when they’re a crutch. And for the love of all that is good, stop deploying detection tools that punish good writers and push everyone toward a bland, algorithmic mean.

We are, quite literally, limiting our students’ writing to satisfy a machine that can’t tell the difference. Vonnegut would have had a field day.

Filed Under: ai, ai detection, cheating, dadland maye, students

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Crooks Behind $27M in ‘Refund’ Scams Busted By YouTube Pranksters After Being Lured to Fake Funeral

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One crime ring scammed 2,000 elderly people of more than $27 million between 2021 and 2023 using tech support/bank impersonation/refund scams. “Victims were in their 70s and 80s,” reports the U.S. Attorney’s office for California’s southern district. Victims were first told they’d received a refund (either online or via phone), but then told they’d been “over-refunded” a massive amount, and asked to return that amount.

But 42-year-old Jiandong Chen just admitted Thursday in a U.S. federal court that he was involved in the fraud and money laundering via cryptocurrency — pleading guilty to two charges with maximum penalties of 40 years in prison and a $1 million fine, plus 20 years in prison with a maximum fine of $500,000 or twice the amount laundered. “Chen, a Chinese national, is the second defendant charged in a five-defendant indictment.” And what tripped him up seems to be that “Certain members of the conspiracy also did in-person pickups of money directly from victims…”

And so YouTube enters the story — when the scammers called pranksters with 1,790,000 subscribers to their “Trilogy Media” channel. In an elaborate three-hour video, the team of pranksters lured the scammer to a rented Airbnb where they’re staging a fake funeral with a nun. (One of the men acting in the video remembers “we start doing a prayer… I’m holding the scammer’s hand in my nun outfit…”)

They convince the scammer to collect the cash from a dead man — “Is there anything you’d like to say to him?” Then there’s demon voices. The scammer’s victim resurrects from the dead. Did the cash mule bring holy water?

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The end result was a video titled “CONFRONTING SCAMMERS WITH A FAKE FUNERAL (EPIC REACTIONS)“. But two and a half years later, their “cash mule sting house” video has racked up over 1.3 million views, 22,000 likes, and 2,979 comments. (“This video is longer than Oppenheimer. Thanks for the laughs fellas.”)

And the scammer is facing 60 years in prison.

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Engineer Launches Genius AI Scheme To Track The Price Of His Favorite Beer

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A man in Ireland has figured out a way to find the cheapest pint of Guinness using just AI programs. Matt Cortland became frustrated when he paid nearly $9 for a pint at a pub in Dublin, and decided he had to figure out a way to track prices across the country. 

The first step was to find out the prices. To do that, Cortland created “Rachel” using the AI voice-generation platform ElevenLabs, then had her call every pub across Ireland — with a Northern Irish accent, of course. She ended up calling over 6,000 pubs, asking each one what their price was for a pint of Guinness. 

The second step was to sort the data. He used Claude to create a price index called “Guinndex,” which he can update himself, or bartenders can update whenever prices change. This offers Cortland — and anyone else craving a Guinness — up-to-date prices.

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The key was making AI feel authentic over the phone

While it all sounds pretty methodical, the most successful part of Cortland’s AI procedure was making Rachel feel human. Rachel was inspired by Rachel Duffy, the winner of the U.K. reality show “The Traitors” – but given a Northern Irish accent. Cortland reported that most pubs across Ireland couldn’t even tell Rachel was an AI over the phone, which likely yielded more results. 

A wide range of industries has started using AI to make phone calls. A study of car dealerships found that when AI handled customer service calls, it actually seemed more successful than average phone calls across the industry. Data from Regal found that humans actually appear to prefer talking to AI representatives more than human ones, staying on the phone longer and providing longer responses. Rachel’s phone calls with pubs appeared to reflect this, with bartenders happily telling her that she could even come in and get a pint for free. 

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It seemed like they didn’t even know she was AI — in reality, AI robots aren’t having as much success in that category. People have also reported not enjoying AI-led job interviews, likely already biased since they know it’s AI on the other end. Maybe let’s stick to the AI pint trackers.



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This Android phone can run Windows games locally, no PC required

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In a recent video, creator ETA Prime showcases Red Magic’s phone running multiple Windows games directly on Android. The device is powered by a Snapdragon 8 Elite Gen 5 SoC, paired with 24GB of LPDDR5T memory and 1TB of UFS 4.1 Pro storage.
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Samsung will discontinue its Messages app in July and replace it with Google’s

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Samsung is putting the final nail in the coffin for its own messaging app. The smartphone maker posted an “End of Service Announcement” on its website, revealing that the Samsung Messages app will no longer be available by July of this year. Samsung also recommended that anyone still using Samsung Messages switch over to Google Messages as the default messaging app.

For Samsung Messages users in the US, the switch to Google offers RCS messaging that lets you send high-quality media, join group chats and get real-time typing indicators no matter the smartphone’s OS. Galaxy smartphone owners may lose out on some of the Samsung Messages customization options, but Google Messages will make up for it generative AI from Gemini that can remix your photos in chats. On top of those features, Google Messages makes it easier for Samsung users to switch chats between a smartphone, tablet or smartwatch.

It’s no surprise that Samsung is only using Google Messages from now on, since it has been phasing out Samsung Messages for a few years now. Dating back to the Galaxy Z Fold 6 and Flip 6, and then followed by the Galaxy S25 series, Samsung stopped preloading the Samsung Messages app and instead pre-installed the Google Messages app. The Samsung Messages app is still available on the Galaxy Store, but Samsung said the exact final date will eventually be announced on the app itself.

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Monzo quits the US to focus on Europe ahead of a London IPO

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In short: Monzo announced on 1 April 2026 that it is closing its US operations, stopping new American sign-ups immediately and shutting existing accounts by June, and cutting approximately 50 roles. The decision comes three months after the UK challenger bank received a full banking licence from the European Central Bank and the Central Bank of Ireland, opening up expansion across the EU. It also arrives as Monzo prepares for a London IPO that Morgan Stanley is advising on, with a target valuation of between £6 billion and £7 billion.

Monzo is leaving the United States. The UK challenger bank announced on 1 April 2026 that it would cease accepting new American customers immediately, cut approximately 50 US-based roles, and close all existing American accounts by June. In a statement, the company framed the decision as a deliberate reorientation rather than a retreat: “With a fast-growing customer base of 15 million in the UK and the growth opportunity our European banking licence creates, we’re making a deliberate, strategic decision to focus on scaling in our home market and Europe and to step away from the US.” The announcement ends a seven-year experiment that never fully resolved its central structural problem, Monzo could not get a banking licence in the US, and without one, it could not compete.

Seven years, no charter

Monzo announced its American expansion in June 2019, rolling out a simplified version of its app to US customers and partnering with Sutton Bank, an Ohio-based FDIC-insured institution, to hold customer deposits and issue debit cards. The arrangement was always a workaround: without its own banking charter, Monzo could not originate loans, access core payment infrastructure directly, or compete in the lending and interchange revenue streams that define US retail banking profitability. It filed an application with the Office of the Comptroller of the Currency for a national bank charter in April 2020, but withdrew the application in late 2021 after regulators signalled it would not be approved. The company faced opposition from the National Community Reinvestment Coalition, among others, which argued that Monzo had not demonstrated sufficient commitment to serving local community needs. After withdrawing the OCC application, Monzo continued operating in the US through partner institutions, but it never secured the infrastructure that would have made its American business structurally viable.

The result, after seven years, was a product that offered a digital current account but not the full-service banking relationship that Monzo had built in the UK. US customers could not access mortgages, personal loans, or the premium credit products that generate meaningful revenue. They had a sophisticated spending tracker and a card linked to a partner bank’s balance sheet. That is a reasonable travel companion. It is not a challenger bank.

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The European licence that changed the calculation

On 17 December 2025, the European Central Bank and the Central Bank of Ireland granted Monzo a full banking licence, making it the first digital bank to be fully regulated by the Central Bank of Ireland and establishing Dublin as its European headquarters. The licence unlocks what the OCC application never delivered: the right to hold customer deposits directly, originate loans, and operate as a full bank across the 27-member EU single market under the EU’s passporting regime. Europe’s appetite for homegrown technology champions in financial services has grown considerably in recent years, and Monzo’s Irish licence positions it to compete for that opportunity on equal terms with incumbent banks for the first time. The three months between the Dublin licence and the US exit announcement are not coincidental. The company now has a credible path to scaled profitability in a market where it is already the dominant challenger; the US, by contrast, remained a market where it was permanently constrained.

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An IPO in the background

The withdrawal also has a more immediate audience: the investors Monzo is courting ahead of a public listing. The company has appointed Morgan Stanley to advise on a London Stock Exchange IPO that is expected in 2026, with a target valuation of between £6 billion and £7 billion — compared with the $5.9 billion implied by a secondary share sale in October 2024. Companies preparing for public listings in 2026 have generally found that a clean, focused growth story commands a higher multiple than a sprawling international footprint with mixed results, and a US operation that could not clear its structural barriers was a complication the IPO story did not need.

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The listing has already generated internal turbulence. TS Anil, who served as Monzo’s CEO for five years, stepped down in February 2026 following a reported dispute with the board over the timing and location of the IPO. Anil is understood to have favoured an earlier listing and had expressed interest in a New York venue; the board opted for London and more time. Diana Layfield, who spent nearly a decade at Google and more than a decade at Standard Chartered, was named his successor in October 2025 and took the role subject to regulatory approvals. Her mandate is the European expansion and the public listing. The US exit is the first visible act of that mandate.

The numbers behind the decision

Monzo’s financial trajectory gives the pivot a logic that is easier to explain to prospective public market investors than to American customers receiving account-closure notices. For the financial year ending March 2025, the bank reported revenue of £1.24 billion, up 48% year on year. Adjusted pre-tax profit reached £113.9 million, an eightfold increase on the prior year. Customer deposits grew 48% to £16.6 billion. A year that saw digital banking’s growth trajectory sharpen considerably across European markets validated the core bet: that a mobile-first bank with no branch network could generate the kind of revenue and profit that commands a credible IPO valuation. The US, in that context, was consuming resources that could instead be deployed against a market where the regulatory framework and customer base are already in place.

The subscription and premium-tier model that has driven platform revenue growth across technology is central to how Monzo has reached profitability in the UK: Monzo Plus and Monzo Premium accounts charge monthly fees and bundle benefits including travel insurance, higher interest rates on savings, and cashback. Replicating that model in the US required a depth of product, overdrafts, credit, savings, that a partner-bank structure made impossible. In the UK and, increasingly, in Europe, Monzo can offer all of it.

The broader picture

The move leaves the US challenger banking market increasingly to domestic incumbents and to a handful of well-capitalised European fintechs that have managed to secure their own charters. Revolut, Monzo’s nearest European rival, has been pursuing a US banking licence since 2021 and has yet to obtain one. The structural barriers that defeated Monzo’s OCC application remain in place. The lesson emerging from several high-profile European technology companies is that the conviction to double down on home-market strength, rather than spreading capital across geographies where the terms are unfavourable, is increasingly what investors reward. Monzo’s board, in pushing for a London listing and a European expansion over an American one, appears to have reached the same conclusion.

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For American customers, the practical consequence is a June 2026 account closure. Monzo said it would provide guidance in the coming days on how to transfer funds, redirect direct deposits, and access statements after the accounts are closed. For Monzo itself, the US chapter closes with a banking licence in Dublin, a public listing in preparation, and 15 million customers in the UK who collectively generated more than a billion pounds in revenue in a single year. The experiment in America is over. The business case for ending it is not difficult to read.

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‘Marshals’ Release Schedule: When Episode 6 Hits Paramount Plus

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Marshals, a new Yellowstone spinoff starring Luke Grimes as Kayce Dutton, is airing on CBS right now. You can also tune in with Paramount Plus. The Yellowstone sequel series sees Grimes’ former Navy SEAL join an elite unit of US Marshals to bring range justice to Montana, according to a synopsis from CBS.

The show includes Yellowstone actors Gil Birmingham as Thomas Rainwater, Mo Brings Plenty as Mo and Brecken Merrill as Tate. Spencer Hudnut is the showrunner of Marshals — formerly known as Y: Marshals — and Taylor Sheridan is an executive producer.

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When to watch new Marshals episodes on Paramount Plus

Episode 6 of Marshals airs on CBS on Sunday, April 5. Viewing options for Paramount Plus customers vary by subscription tier. You can watch the episode live if you have Paramount Plus Premium, which includes your local CBS station. If you subscribe to Paramount Plus Essential, you can watch the installment on demand the following Monday, but not live on Sunday.

Here’s a release schedule for the next three episodes of Marshals.

  • Episode 6, Out of the Shadows: Premieres on CBS/Paramount Plus Premium on April 5 at 8 p.m. ET/8 p.m. PT/7 p.m. CT. Streams on Paramount Plus Essential on April 6.
  • Episode 7, Family Business: Premieres on CBS/Paramount Plus Premium on April 12 at 8 p.m. ET/8 p.m. PT/7 p.m. CT. Streams on Paramount Plus Essential on April 13.
  • Episode 8, Blowback: Premieres on CBS/Paramount Plus Premium on April 19 at 8 p.m. ET/8 p.m. PT/7 p.m. CT. Streams on Paramount Plus Essential on April 20.

You can also watch CBS and the sixth episode of Marshals without cable with a live TV streaming service such as YouTube TV, Hulu Plus Live TV or the DirecTV MyNews skinny bundle. In addition to offering a lower-cost option, Paramount Plus lets you watch the other two Yellowstone spinoffs: the prequels 1883 and 1923.

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After a price increase in early 2026, the ad-supported Essential version runs $9 per month or $90 per year. The ad-free Premium version runs $14 per month or $140 per year. Paying more for Premium gives you downloads, the ability to watch more Showtime programming than Essential and access to your live, local CBS station.

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This little-known Abuja factory is pumping out thousands of drones while copying Apple’s playbook in an unexpected security shift

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  • Terra Industries scales drone production to provide security for power plants, mines, and refineries
  • Local manufacturing cuts costs while raising new questions about production sustainability
  • Annual subscriptions introduce financial risk for clients in unstable economic environments

A Nigerian robotics startup is building thousands of drones each year to protect critical infrastructure across Africa.

It is applying a vertically integrated manufacturing strategy that draws inspiration from Apple rather than traditional defense contractors.

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Nvidia shows neural compression can cut VRAM usage from 6.5GB to 970MB

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Consider Nvidia’s work on Neural Texture Compression (NTC). In its “Tuscan Wheels” demo, the company showed VRAM usage dropping from roughly 6.5GB with traditional BCN-compressed textures to 970MB using NTC, while keeping image quality close to the original.
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With One Million Displaced, Lebanon Turns to Digital Wallets for Aid

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Since March, Israeli attacks on Beirut and the occupation of southern Lebanon have displaced over 1 million people. Families are sheltering with relatives, renting if they can, or sleeping in cars and out in the open, placing immense strain on already fragile infrastructure. Over 130,000 people have also crossed into Syria, many in urgent need of food, cash assistance, and shelter, according to a report by the International Organization for Migration.

As humanitarian needs surge, so does the flow of money from abroad. Yet much of this support is not moving through traditional aid channels. Instead, it is being routed through digital fintech platforms to trusted individuals on the ground, who buy necessary items or distribute funds directly to the displaced.

There is no real-time dataset capturing donations linked specifically to the war. However, remittances—the closest available proxy—offer context. Lebanon receives roughly $6 billion to $7 billion annually from abroad, equivalent to about a third of its GDP, according to the United Nations Development Programme (UNDP) in 2023.

The UNDP reported that remittance costs there averaged 11 percent, higher than the global average. In times of crisis, these flows often shift towards emergency support. What is different now is how that money moves: Increasingly, it is being sent instantly, peer-to-peer, through digital wallets.

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“These informal inflows are captured by the formal BDL figures and constitute around 70 percent of the inflows during the crisis,” the UNDP added, noting that money is also often sent as cash with people traveling to the country.

From Gift Cards to Financial Infrastructure

Being Lebanese myself, my social media feed has been inundated with former colleagues and friends setting up their channels to receive donations, sharing photos of receipts, and showing where money is going.

One grass-roots campaign run by Lebanese lawyer Jad Essayli raised $65,125 in 10 days, purely through social media and digital transfers. When asked which platforms have been the most impactful, he and other fundraisers pointed to Whish Money, though many other platforms, including Paypal, Zelle, and Venmo are also being used.

Originally launched to digitize gift cards, the company has evolved into a broad financial platform offering remittances, peer-to-peer transfers, and payment services with more than 2 million users across 110 countries. “We started off from the fact that we wanted to disrupt the distribution of gift cards,” says Toufic Koussa, cofounder and chairman of Whish Money, describing how the company built an early wallet system in 2007 that allowed retailers to issue digital cards on demand. Over time, that infrastructure expanded into a full financial ecosystem.

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When Banks Stop Working

The company’s core focus has been the unbanked and underbanked—those with limited or unreliable access to traditional banking. Those groups became central during Lebanon’s financial collapse. Globally, 1.4 billion people remain unbanked; the World Bank cites access to affordable financial services as being “critical for poverty reduction and economic growth.”

In Lebanon, as banks froze deposits and restricted withdrawals, platforms like Whish Money filled a critical gap, enabling people to move and access money outside the traditional system.

That infrastructure now shapes how aid moves in crisis. Money from family, diaspora, or grass-roots campaigns lands straight in a digital wallet and can be spent immediately. On Whish Money, peer-to-peer transfers are the most popular, followed by international remittances. Koussa also notes that Whish Money is uniquely connected to US banking infrastructure, allowing users to link accounts abroad directly to wallets in Lebanon.

Displacement is changing how people use these platforms. Overall growth is steady, but transaction patterns have shifted. Families are making bigger purchases, stocking up on essentials as uncertainty grows. Grocery bills that might have been $200 are now climbing as people prepare for the worst, Koussa says.

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Garmin x Natural Cycles could be a big step forward for women’s health

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Natural Cycles, the only FDA- approved contraceptive and fertility tracking app will now be integrated into select Garmin watches. This is an intriguing step forward for women’s health, as it could allow for more insight into individual cycles.

Compatible Garmin wearables, including many we’ve hailed as being among the best smartwatches, will now include the Natural Cycles app with either a monthly or annual subscription. 

In case you’re unaware, Natural Cycles is a smartphone app that tracks your temperature throughout your cycle and shows you when you’re at your most fertile point. That means you can use Natural Cycles as an alternative to more “traditional” contraceptives like the pill or the coil, or you can use the app as a method to plan pregnancy. 

Previously, you’d have to use either Natural Cycles’ own NC band, a compatible Oura Ring or Apple Watch to track your temperature. Now, those sporting a compatible Garmin watch can benefit too.

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Garmin x Natural CyclesGarmin x Natural Cycles

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Natural Cycles’ integration with Garmin could be a huge leap for cycle tracking. While many of the best wearables do offer some cycle tracking, personally I find it difficult to find one that’s actually insightful. Plus, those on a controlled cycle (say if you’re on the pill) will likely find that wearables seem to almost guess what’s going on with their body.

As reported in a 2025 study, although “general biometric wearables, such as smartwatches and fitness trackers” do provide useful data, it’s thought they “fail to capture the complexity of menstrual cycles, hormone therapies and their physiological implications”. 

I’d agree with this as I wear a Whoop MG and, although it’s undeniably great at tracking my (occasional) workouts and sleep, I wouldn’t necessarily rely on it for anything to do with my cycle tracking. 

Sure, it offers somewhat of an overview, and allows me to log my periods and symptoms via the journal, but I find Whoop tends to automatically list general behaviour as a symptom of my cycle. For example, if I record that I’m feeling nervous: that’s PMS. Had disrupted sleep? Classic PMS sign right there (or was it actually because my phone went off after I failed to put it on do not disturb and woke me up? We’ll never know.) 

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Garmin and Natural Cycles

So, how will Garmin and Natural Cycles be any different? Well, a compatible Garmin will track your skin temperature during sleep, with the information then relayed to you via the Natural Cycles app. From here, you can see your fertile days — based purely on your own metrics rather than it being based on a “standard” 28-day cycle or relying on you, the user, to track your periods accurately. 

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According to Natural Cycles, tracking your cycle with its app will offer you up to 93% effectiveness, which is the same as the contraceptive pill. This stat will likely impress those who have previously taken the contraceptive pill and experienced many unwanted side effects, including mood swings, acne and weight changes too. That’s a pretty common occurrence for those on the pill, with controlled studies reporting nearly 50% of those observed reporting side effects. Not only that, but just open up the accompanying leaflet in a box of one of the mainstream pills and you’ll be greeted with an unpleasant array of side effects that may or may not affect you.

Garmin and Natural Cycles appGarmin and Natural Cycles app

If you don’t want to risk experiencing any side effects, but want to avoid pregnancy, you’d be forced to avoid hormonal methods like the contraceptive pill and instead opt for either less reliable birth control methods or even have to endure an invasive and painful procedure instead. It undoubtedly feels like a lose/lose situation. 

With this in mind, tools like Natural Cycles within Garmin offer a welcome alternative to traditional birth control methods.

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However, all of this isn’t to say that anyone who wants to either prevent or plan a pregnancy should just opt for a Garmin smartwatch and Natural Cycles. Instead, this partnership is ideal for those who either want to move away from traditional and hormonal methods of birth control but still want control over their bodies.

While we still have a huge way to go, I’m quietly optimistic about this milestone and would be keen to try it myself.

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