Wednesday, 2 April 2025

Zelle Phasing Out Its Standalone App

Zelle has announced it is shuttering its standalone app, a reflection of the industry’s broader adoption of the company’s service.

Zelle is a popular way to transfer money between bank accounts, offering more convenience and less fees than some traditional methods. Since its launch in 2017, the Zelle app was one of the primary ways customers interacted with the platform. In a recent blog post, however, the company says that is no longer the case.

When Zelle first launched, we also created a standalone Zelle-branded app for consumers whose banks or credit unions had not yet joined the network. With the strong growth of adoption by banks and credit unions, we now see just ~2% of transactions on the standalone app.

The company says it will begin phasing out its standalone app over the next few months.

As a result of our growth, and because most people are now using Zelle in their financial institution’s mobile app or website, we are making a change to the Zelle standalone app.  

Over the next few months, we will be phasing out the ability to enroll and transact within the standalone app. As we do that, we are encouraging those who use the standalone app to instead start using Zelle through a participating bank or credit union. Users of the app will continue to be able to access it, but the app will be dedicated to consumer education about scams and fraud and provide a list of the more than 2,200 banks and credit unions that offer Zelle.

In an answer to commonly asked questions, Zelle does say that users of the standalone app will need to re-enroll with the service through their bank account.

This change will not impact the vast majority of consumers who use Zelle to send or receive money. Again, the vast majority using Zelle to send money uses it through their financial institution. However, if you are one of the consumers that uses the Zelle standalone app, you will need to re-enroll through the mobile banking app of one of the more than 2,200 banks and credit unions that offer Zelle.  If you have sent money to or received money from someone that uses the standalone app, you will also no longer be able to do so.

Given the cost and security issues involved in maintaining a financial application, it’s not surprising Zelle is taking this step, especially given the popularity of the service and the number of integrations it now has with various banks.



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New “Code Vibing” Trend Emerges Among Software Development Teams: A Paradigm Shift for Enterprise Software Development

In the fast-evolving world of software engineering, a novel trend has surfaced in 2025, capturing the attention of developers and executives alike: “code vibing.” This emergent practice, blending artificial intelligence (AI) with a more intuitive, less syntax-driven approach to coding, is poised to redefine how enterprise software development teams operate. For enterprise software developers and executives, understanding this trend is not merely a matter of staying current—it’s a strategic imperative to harness its potential while navigating its complexities. This article delves into the origins, mechanics, implications, and future of code vibing, offering a sophisticated lens tailored to the needs of enterprise stakeholders.

The Genesis of Code Vibing

The term “code vibing” was coined in early 2025 by Andrej Karpathy, a former OpenAI researcher and influential figure in AI and software development. In a widely circulated post, Karpathy described it as a process where developers “fully give in to the vibes, embrace exponentials, and forget that the code even exists,” relying on AI to translate natural language prompts into functional code. This marked a departure from traditional programming, which demands meticulous attention to syntax, logic, and structure. Instead, code vibing emphasizes intent over implementation, leveraging large language models (LLMs) like GPT-4 Turbo, Claude, or specialized tools such as GitHub Copilot and Cursor Composer.

The trend gained traction amid a broader shift in the software industry toward AI-driven development. By March 2025, reports indicated that nearly 44% of developers had adopted AI coding tools, with projects employing these methods achieving up to 55% faster completion times. For enterprise teams, this promise of accelerated productivity is tantalizing, particularly in an era where speed-to-market and innovation are critical differentiators.

How Code Vibing Works

At its core, code vibing is a conversational, AI-assisted workflow. Developers articulate their requirements in plain language—e.g., “create a REST API for user authentication with JWT tokens”—and the AI generates the corresponding code. The process is iterative: developers evaluate the output, refine their prompts, and adjust the results as needed. This shifts the developer’s role from a hands-on coder to a high-level orchestrator, akin to a conductor directing an orchestra of AI agents.

For enterprise software developers, this approach integrates seamlessly with modern tools. Integrated development environments (IDEs) like Visual Studio Code now feature AI plugins that support vibe coding, while platforms like Replit Agent and Cursor Composer offer end-to-end solutions for rapid prototyping. The reliance on natural language also lowers the barrier to entry, enabling non-technical stakeholders—such as product managers or executives—to contribute directly to the development process.

Implications for Enterprise Software Development

The rise of code vibing carries profound implications for enterprise software teams, both in terms of opportunities and challenges.

Opportunities

  1. Accelerated Development Cycles: In enterprise settings, where projects often span months or years, code vibing can compress timelines significantly. Prototypes and minimum viable products (MVPs) can be spun up in hours, allowing teams to test ideas and iterate swiftly—a boon for industries like finance or healthcare, where regulatory changes demand rapid adaptation.
  2. Enhanced Collaboration: By bridging the gap between technical and non-technical team members, code vibing fosters a more inclusive development process. Executives can articulate business requirements directly, reducing miscommunication and aligning software outputs with strategic goals.
  3. Resource Optimization: With AI handling repetitive or boilerplate code, senior developers can focus on complex architectural challenges, such as designing scalable microservices or integrating legacy systems—tasks that remain critical in enterprise environments.

Challenges

  1. Quality and Reliability: While AI-generated code can be functional, it’s not infallible. Subtle bugs, security vulnerabilities, or inefficiencies may go unnoticed without rigorous human oversight—a risk enterprises cannot afford in mission-critical applications like ERP systems or payment gateways.
  2. Skill Atrophy: Over-reliance on AI could erode developers’ core coding skills, particularly among junior engineers. Enterprises must balance vibe coding with traditional training to maintain a robust talent pipeline.
  3. Integration Complexity: Enterprise software often involves intricate ecosystems of legacy code, third-party APIs, and compliance requirements. Code vibing excels in greenfield projects but struggles with the nuanced demands of brownfield development, where context and precision are paramount.

Strategic Considerations for Executives

For enterprise executives, adopting code vibing requires a strategic approach. First, it’s essential to identify use cases where the trend delivers maximum value. Rapid prototyping, internal tools, and non-critical applications are ideal starting points, allowing teams to build confidence without jeopardizing core systems. Second, investment in AI infrastructure—such as high-capacity LLMs and secure cloud environments—is necessary to support this workflow at scale. Companies like Microsoft and AWS already offer enterprise-grade AI tools that can be tailored to vibe coding needs.

Moreover, executives must prioritize governance. Establishing review protocols, automated testing frameworks, and security audits ensures that AI-generated code meets enterprise standards. This is particularly critical given the regulatory landscape of 2025, where frameworks like the EU’s Digital Operational Resilience Act demand accountability for software quality.

The Future of Code Vibing in the Enterprise

Looking ahead, code vibing is unlikely to replace traditional development entirely but will evolve into a complementary practice. By 2028, analysts predict that AI agents could handle 15% of day-to-day business decisions, extending their role beyond code generation to workflow automation. For enterprise developers, this suggests a future where vibe coding integrates with DevSecOps pipelines, embedding security and compliance checks into the AI-driven process.

Specialized tools are also emerging. Domain-specific AI models—for instance, those trained on financial systems or healthcare protocols—could enhance the precision of vibe coding outputs, making them more viable for enterprise use. Meanwhile, the rise of prompt engineering as a discipline will elevate the importance of clear, context-rich instructions, a skill that enterprise teams must cultivate.

Code Vibing Is Not Just a Passing Fad

The emergence of code vibing among software development teams marks a pivotal moment for enterprise software engineering. It offers a tantalizing glimpse of a future where creativity and intent drive innovation, unshackled from the minutiae of syntax. Yet, for enterprise developers and executives, its adoption demands a delicate balance of enthusiasm and caution. By leveraging its strengths—speed, collaboration, and efficiency—while mitigating its risks, enterprises can position themselves at the forefront of this transformative trend. In a competitive landscape where agility and innovation reign supreme, code vibing is not just a passing fad; it’s a strategic tool that, when wielded wisely, can redefine the art and science of software development.



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Tuesday, 1 April 2025

Google To Release The Pixel 9a On April 10

Google has finally announced the release date for its highly anticipated Pixel 9a, with the phone on store shelves April 10.

The Pixel a-series is Google’s budget line of Pixel devices, offering many of the same features as their mainline siblings, such as the the same Tensor chip, while sacrificing high-end features, such as improved cameras. Rumors have been swirling about the upcoming Pixel 9a, but Google has finally confirmed its launch date in a support article.

We’re excited to announce that the Pixel 9a is coming soon! Powered by our fastest, most efficient chip yet, Google Tensor G4, Pixel 9a comes with everything you expect from our Pixel 9 series — complete with a sleek redesign, upgraded main camera and Gemini built in.

The rollout will be a staggered rollout, with the US, Canada, and the UK getting the new phone first, and other countries receiving it within a few days.

Update: The Pixel 9a will be available on-shelf on the following dates:
April 10th: US, Canada and UK

  • April 14th: Germany, Spain, Italy, Ireland, France, Norway, Denmark, Sweden, Netherlands, Belgium, Austria, Portugal, Switzerland, Poland, Czechia, Romania, Hungary, Slovenia, Slovakia, Lithuania, Estonia, Latvia, Finland
  • April 16th: Australia, India, Singapore, Taiwan, Malaysia

Coming soon to Japan

The Pixel 9a starts at $499.



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Intel CEO Plans To Trim Company, Refocus On Core Units

Intel CEO Lip-Bu Tan said the company will spin off its non-core businesses in an effort to get back to its roots and make up lost ground.

Tan was recently appointed CEO after stepping down from the board in 2024 over disagreements about the direction the company was headed under then-CEO Pat Gelsinger. According to Bloomberg, Tan made his comments at the Intel Vision conferencing Las Vegas on Monday.

“We have a lot of hard work ahead,” Tan told customers in the audience. “There are areas where we’ve fallen short of your expectations.”

“We fell behind on innovation,” Tan added. “We have been too slow to adapt and meet your needs.”

One of the big questions hanging over Intel is whether it would sell its fledgling foundry business, a main focus of Gelsinger’s tenure, or try to remain whole. Tan seemed to indicate that he had no intention of selling either part of the company’s core business, but did say units that were not part of Intel’s core could be spun off.

A Cultural Change To Intel’s Foundry Business

Intel has scored some high-profile contracts for its foundry business, such as Amazon and MediaTek, but has struggled to attract others. Qualcomm and Tesla both opted against using Intel because of the company’s technical missteps and/or its inability to deliver exactly what was needed.

Gelsinger himself identified the issue in an interview in mid-2023.

“Foundry is a service business,” Gelsinger said. “That isn’t the culture that Intel’s had.”

Tan seems intent on succeeding where Gelsinger failed change that culture. Bloomberg reports the CEO made clear that Intel will listen to prospective customers, letting them tell Intel what they need rather than the company dictating how things should be done.

Tan is a respected figure within the semiconductor industry, and for a time was one of the only board members with solid industry experience. While Tan warns that Intel’s issues won’t be fixed overnight, he’s confident he can turn things around, which was the driving reason for accepting the job.

“It was very hard for me to see it struggle,” Tan said. “I simply could not stay on the sidelines knowing that I could help.”

“It won’t happen overnight, but I know we can get there,” he added.



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Anthropic Announces Security Measures To Combat Corporate Espionage

AI firm Anthropic has announced a host of new security initiatives, including regular sweeps of the company’s premises, for both intruders and espionage devices.

Anthropic is one of the leading AI firms, quickly establishing itself both because of the strength of its models, as well as because of its focus on safe AI models. Its position in the industry makes it a target, however, and the company announced a number changes to deal with the growing threat it faces.

The company announced its plans in an update to it its Responsible Scaling Policy.

Physical security: Conduct regular Technical Surveillance Countermeasures (TSCM) at physical spaces using advanced detection equipment and techniques. Tailor TSCM sweeps to specific events, threats or incidents that may trigger an inspection. Regularly sweep physical premises for intruders and conduct physical security red-teaming.

Technical surveillance countermeasures are the industry term for efforts to find and neutralize surveillance devices. As the above highlights, the company is also planning to do regular sweeps of its premises to protect against intruders.

The Broader Picture

Anthropic’s updated security plans illustrate the importance of AI advances, and the competitive nature of the field, both in terms of competition between companies, as well as competition between countries.

The US was recently rattled by the emergence of DeepSeek, an AI model released by a relatively small Chinese company using third-rate hardware. Against all odds, DeepSeek easily competes with models like OpenAI’s ChatGPT and Anthropic’s Claude, despite being build with for a fraction of the cost.

What’s more, the US is working to cut off China’s access to advanced computer tech, especially tech that can be used in the development of advanced AI.

All of this combined is creating an environment where firms like Anthropic need to be as concerned about physical breaches as they are about cybersecurity ones.



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Business Gmail Users Are Getting An Encryption Upgrade

Google is upgrading encryption for Gmail users, making it easy to send encrypted email to any external recipient, without the need to set up encryption keys.

The feature is currently in beta and builds on the existing encryption ability that allows Gmail users to seamlessly send encrypted emails to other Gmail users. Unlike previous version of Gmail encryption to external users, the new feature does not require setting up any certificates, or using dedicated encryption tools like GPG.

Google announced the beta feature in a blog post.

Today is Gmail’s birthday, and we wanted to do something special — enable enterprise users to send E2EE messages to any user on any email inbox with just a few clicks. This capability, requiring minimal efforts for both IT teams and end users, abstracts away the traditional IT complexity and substandard user experiences of existing solutions, while preserving enhanced data sovereignty, privacy, and security controls. We’re rolling this out in a phased approach, starting today, in beta, with the ability to send E2EE emails to Gmail users in your own organization. In the coming weeks, users will be able to send E2EE emails to any Gmail inbox, and, later this year, to any email inbox. Let’s take a closer look.

Google goes on to highlight how the new feature works.

The idea here is simple. Email messages are encrypted with just a few clicks in Gmail regardless of who they are being sent to — no need for end users to exchange certificates or use custom software. The emails are protected using encryption keys controlled by the customer and not available to Google servers, providing enhanced data privacy and security. And the IT team no longer needs to go through the complex S/MIME setup or certificate management. This is how it works behind the scenes:

  • When the recipient is a Gmail user (enterprise or personal), Gmail sends an E2EE email. The email is automatically decrypted in the recipient’s inbox, and the recipient can use Gmail in a familiar way.
  • When the recipient is not a Gmail user, Gmail sends them an invitation to view the E2EE email in a restricted version of Gmail. The recipient can then use a guest Google Workspace account to securely view and reply to the email.

When the recipient has S/MIME configured, Gmail sends an E2EE email via S/MIME (just like it does today).

Google has also included a number of features, such as the ability for admins to turn on encrypted emails by default, the ability to classify emails by sensitivity, prevent data lost, and improved AI protections.



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Monday, 31 March 2025

5 Reasons CMOs Are All-in on AI Adoption Moving Forward

The rise of AI has already had a significant impact in the creative space, and there are few areas of business where this is felt more strongly than in marketing. In fact, CMOs are largely the ones leading the charge on AI adoption, resulting in a top-down approach to this marketing change, rather than seeing innovation come from the bottom up.

There are many reasons why CMOs are taking an increasingly favorable view of AI adoption. Here’s a closer look at why they find it to be an important part of their future operations, and why the best marketing leaders are trying to encourage buy-in from the rest of their teams as well.

1. Enhancing Creativity

Unsurprisingly, a key part of the reason CMOs are so enthusiastic about AI is its potential for enhancing creative efforts. While attempts at creating content solely through AI tend to get the most attention (and negative feedback), most marketing teams instead use AI in areas such as design assistance, preparing content outlines, or reworking existing content.

It’s important to note that such uses do not replace the impact of human marketers. Instead, AI tools are most effective when they augment the creative effort and output of marketing teams. For example, writing assistants can generate outlines of articles and mockups of visual assets or provide editing assistance, while personalization tools can quickly rework content for different audiences. 

This allows teams to spend more of their time on higher-level tasks, which can result in stronger marketing outcomes.

2. Unlocking Efficiency

AI’s ability to improve overall efficiency is a key factor behind CMOs’ enthusiasm. For example, research from HubSpot found that 81% of AI users said it helped them reduce the amount of time spent on manual or administrative tasks, and 71% said it allowed them to spend more time on their most important responsibilities.

For CMOs and others in leadership positions, such a dramatic shift in how they spend their time is especially enticing. Of course, similar benefits are available for those in middle and entry-level marketing positions.

AI’s ability to automate or simplify a wide range of marketing-related tasks such as data analysis, social media management, idea generation and customer segmentation can result in significant time savings throughout the organization. With more time to focus on higher-level tasks, the quality of all marketing work can increase exponentially.

3. More Experience and Training

It’s also worth noting that a unique aspect behind CMOs’ enthusiasm for AI stems from the level of hands-on experience and training that they have with the technology. According to a research report from Lightricks and the American Marketing Association, 61% of marketing executives use AI on a weekly basis, compared to just 42% of entry-level marketers. In addition, 65% of executives have received formal AI training — with the majority receiving training through their company.

Executives’ experience and training with AI far outpace that of entry-level marketers, which has led to significantly greater confidence in the creative potential of AI (55% vs. 33%). This illustrates that experience breeds enthusiasm, while also serving to highlight that CMOs must ensure AI training is made available to those they lead. 

With more familiarity, junior marketers will be willing to experiment more, thereby unlocking more of the benefits of AI.

4. Improved Targeting

While marketers are supposed to have a deep understanding of their target audiences, making this a reality is often easier said than done, particularly for brands that target multiple groups with diverse backgrounds, interests and interactions with the company. 

AI can draw on a large number of data points to quickly and accurately segment customers into different groups (such as lapsed customers, top fans and so on).

With this information in hand, marketing teams can then adjust campaigns and marketing content that is better tailored to the unique circumstances of each group. And of course, AI can help refine the messaging so that it is perfectly applicable to each audience segment. This is a move that naturally leads to increased sales and retention — a top goal for any CMO.

5. Removing Bias from Decision-making

Quality marketing outcomes typically rely on data — but decision-making is prone to pitfalls from our own inherent biases that can cause us to misinterpret what data actually means. 

On the other hand, many CMOs recognize that using AI to facilitate the decision-making process can provide an unbiased perspective rooted in factual information. This can guide the overall marketing strategy of the organization in a more profitable direction.

As Daniel Klein, CEO of Joseph Studios explained in an interview with The CMO Club, “The great thing about AI is it’s an excellent way to remove biases from your decision-making process. AI can pull us out of that and help us make much more sound decisions. Imagine a world where, from an e-commerce perspective, you were able to input your business objectives, and then a systematic programmatic approach to decision-making.”

Making AI an Integral Part of Marketing

As these examples illustrate, CMOs have found a variety of beneficial use cases for AI in their team’s work. By augmenting the creativity and efficiency of their teams while also providing resources that enable smarter targeting and decision-making, AI can be a powerful asset in a marketing strategy. 

As CMOs leverage their experience and training in this area to improve education and confidence among all team members, they can foster greater buy-in at all levels of their organization.



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