Tandem is one of the UK's original challenger banks. Tandem is a digital bank with a mobile app, and no branches. The acquisition of Harrods Bank in 2017 allowed the company to provide services using the former's banking licence. Tandem Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Tandem has offices across the UK in Blackpool, Cardiff, Durham and London, employing over 500 people. == History == The company was founded by Ricky Knox, Matt Cooper and Michael Kent in 2014. In December 2016, Tandem announced that it had secured a £35 million investment from The Sanpower Group, the Chinese company that also owned the department store House of Fraser; however, £29 million of this investment was later revoked by Sanpower over concerns that the Chinese Government would object to the investment following increased restrictions on outbound investment in China. This resulted in a delay in the launch of Tandem's savings products, which, at the time of the revocation, was expected imminently and, more importantly, meant that Tandem volunteered the return of their banking license but retained all other permissions. In April 2018, Tandem launched fixed-term savings accounts, offering one-, two- and three-year terms through its app. === Acquisitions === In August 2017, it was announced that Tandem would fully acquire Harrods Bank, founded in 1893, in a deal that would bring a near-£200m loan book, over £300m of deposits and nearly £80 million of capital. Prior to its sale to Tandem Money, Harrods Bank catered for high-net-worth (HNW) individuals and operated from the Harrods store in Knightsbridge, London. It offered a variety of personal and business current and savings accounts, mortgages, foreign currency and gold bullion trading services. On 7 August 2017, Tandem Money Limited announced a deal to acquire 100% of Harrods Bank Limited shares. The purchase deal closed successfully on 11 January 2018. In March 2018, Tandem agreed to acquire Pariti Technologies Limited, developers of the Pariti money management application. In August 2020 Tandem acquired green home improvement loan specialists Allium Lending Group. It was announced on 8 February 2021 that Tandem had agreed to purchase the mortgage book from private bank Bank and Clients, consisting of 300 B&C customers for an undisclosed amount. In January 2022 Tandem Bank acquired consumer lender Oplo, creating a combined business with £1.2 billion of total assets. In April 2023, it was announced that Tandem had acquired money-sharing app Loop Money. At the time of the purchase, one of Loop's founders – Paul Pester – was also chairman at Tandem. == Features == Tandem Bank offers customers savings, mortgages, personal and secured loans, green home improvement loans and motor finance. In November 2022, the bank launched its new Tandem Marketplace, providing information and resources to help promote greener living.
Arattai
Arattai Messenger (or simply Arattai) is an encrypted messaging service for instant messaging, voice calls, and video calls, developed by Zoho Corporation. The name Arattai means "chat" or "conversation" in Tamil. The app was soft-launched in January 2021. The app saw a sharp surge in downloads in September 2025, partially fueled by endorsements from Indian government officials. However, the app dropped from the top rankings in October 2025. == History == Arattai was initially tested internally among Zoho employees before being released publicly in early 2021. The launch coincided with a surge in interest for privacy-focused and messaging services, triggered by concerns over WhatsApp's updated terms of service. In September 2025, Arattai experienced a major surge in adoption, with daily sign-ups reportedly increasing 100-fold, from around 3,000 to more than 350,000 in three days. The surge in downloads was attributed to Zoho products being promoted by Indian government officials as part of their Make in India push for homegrown alternatives to foreign‐owned apps, amid deteriorating India–US relations. The growth temporarily strained Zoho's infrastructure, prompting rapid scaling of servers and capacity expansion. During the same period, the app reached the top position in Apple's App Store charts for the "Social Networking" category in India. The app dropped from the top ranking in late October 2025. == Reception == At launch, Arattai was positioned as a potential domestic rival to WhatsApp in India, but analysts noted that it faced challenges with encryption, ecosystem, and network effect. Critics pointed to occasional sync delays.
Speech-generating device
Speech-generating devices (SGDs), also known as voice output communication aids, are electronic augmentative and alternative communication (AAC) systems used to supplement or replace speech or writing for individuals with severe speech impairments, enabling them to verbally communicate. SGDs are important for people who have limited means of interacting verbally, as they allow individuals to become active participants in communication interactions. They are particularly helpful for patients with amyotrophic lateral sclerosis (ALS) but recently have been used for children with predicted speech deficiencies. There are several input and display methods for users of varying abilities to make use of SGDs. Some SGDs have multiple pages of symbols to accommodate a large number of utterances, and thus only a portion of the symbols available are visible at any one time, with the communicator navigating the various pages. Speech-generating devices can produce electronic voice output by using digitized recordings of natural speech or through speech synthesis—which may carry less emotional information but can permit the user to speak novel messages. The content, organization, and updating of the vocabulary on an SGD is influenced by a number of factors, such as the user's needs and the contexts that the device will be used in. The development of techniques to improve the available vocabulary and rate of speech production is an active research area. Vocabulary items should be of high interest to the user, be frequently applicable, have a range of meanings, and be pragmatic in functionality. There are multiple methods of accessing messages on devices: directly or indirectly, or using specialized access devices—although the specific access method will depend on the skills and abilities of the user. SGD output is typically much slower than speech, although rate enhancement strategies can increase the user's rate of output, resulting in enhanced efficiency of communication. The first known SGD was prototyped in the mid-1970s, and rapid progress in hardware and software development has meant that SGD capabilities can now be integrated into devices like smartphones. Notable users of SGDs include Stephen Hawking, Roger Ebert, Tony Proudfoot, and Pete Frates (founder of the ALS Ice Bucket Challenge). Speech-generating systems may be dedicated devices developed solely for AAC, or non-dedicated devices such as computers running additional software to allow them to function as AAC devices. == History == SGDs have their roots in early electronic communication aids. The first such aid was a sip-and-puff typewriter controller named the patient-operated selector mechanism (Naman) prototyped by Reg Maling in the United Kingdom in 1960. POSSUM scanned through a set of symbols on an illuminated display. Researchers at Delft University in the Netherlands created the lightspot-operated typewriter (LOT) in 1970, which made use of small movements of the head to point a small spot of light at a matrix of characters, each equipped with a photoelectric cell. Although it was commercially unsuccessful, the LOT was well received by its users. In 1966, Barry Romich, a freshman engineering student at Case Western Reserve University, and Ed Prentke, an engineer at Highland View Hospital in Cleveland, Ohio, formed a partnership, creating the Prentke Romich Company. In 1969, the company produced its first communication device, a typing system based on a discarded Teletype machine. In 1979, Mark Dahmke developed software for a vocal communication aid program using the Computalker CT-1 analog speech synthesizer with a microcomputer. The software utilized phonemes to generate speech, assisting individuals with communication impairments in constructing words and sentences. Dahmke's work contributed to the advancement of assistive technology for people with disabilities. Notably, he designed the "Vocabulary Management System" for Bill Rush, a student with cerebral palsy. This early speech synthesis technology facilitated improved communication for Rush and was featured in a 1980 issue of LIFE Magazine. Dahmke's contributions have influenced the development of augmentative and alternative communication (AAC) technologies. During the 1970s and early 1980s, several other companies emerged that have since become prominent manufacturers of SGDs. Toby Churchill founded Toby Churchill Ltd in 1973, after losing his speech following encephalitis. In the US, Dynavox (then known as Sentient Systems Technology) grew out of a student project at Carnegie-Mellon University, created in 1982 to help a young woman with cerebral palsy to communicate. Beginning in the 1980s, improvements in technology led to a greatly increased number, variety, and performance of commercially available communication devices, and a reduction in their size and price. Alternative methods of access such as Target Scanning (also known as eye pointing) calibrate the movement of a user's eyes to direct an SGD to produce the desired speech. Scanning, in which alternatives are presented to the user sequentially, became available on communication devices. Speech output possibilities included both digitized and synthesized speech. Rapid progress in hardware and software development continued, including projects funded by the European Community. The first commercially available dynamic screen speech-generating devices were developed in the 1990s. Software was developed that allowed the computer-based production of communication boards. High-tech devices have continued to become smaller and lighter, while increasing accessibility and capability; communication devices can be accessed using eye-tracking systems, perform as a computer for word-processing and Internet use, and as an environmental control device for independent access to other equipment such as TV, radio and telephones. Stephen Hawking came to be associated with the unique voice of his particular synthesis equipment. Hawking was unable to speak due to a combination of disabilities caused by ALS, and an emergency tracheotomy. In the past 20 or so years SGD have gained popularity amongst young children with speech deficiencies, such as autism, Down syndrome, and predicted brain damage due to surgery. Starting in the early 2000s, specialists saw the benefit of using SGDs not only for adults but for children, as well. Neuro-linguists found that SGDs were just as effective in helping children who were at risk for temporary language deficits after undergoing brain surgery as it is for patients with ALS. In particular, digitized SGDs have been used as communication aids for pediatric patients during the recovery process. == Access methods == There are many methods of accessing messages on devices: directly, indirectly, and with specialized access devices. Direct access methods involve physical contact with the system, by using a keyboard or a touch screen. Users accessing SGDs indirectly and through specialized devices must manipulate an object in order to access the system, such as maneuvering a joystick, head mouse, optical head pointer, light pointer, infrared pointer, or switch access scanner. The specific access method will depend on the skills and abilities of the user. With direct selection a body part, pointer, adapted mouse, joystick, or eye tracking could be used, whereas switch access scanning is often used for indirect selection. Unlike direct selection (e.g., typing on a keyboard, touching a screen), users of Target Scanning can only make selections when the scanning indicator (or cursor) of the electronic device is on the desired choice. Those who are unable to point typically calibrate their eyes to use eye gaze as a way to point and blocking as a way to select desired words and phrases. The speed and pattern of scanning, as well as the way items are selected, are individualized to the physical, visual and cognitive capabilities of the user. == Message construction == Augmentative and alternative communication is typically much slower than speech, with users generally producing 8–10 words per minute. Rate enhancement strategies can increase the user's rate of output to around 12–15 words per minute, and as a result enhance the efficiency of communication. In any given SGD there may be a large number of vocal expressions that facilitate efficient and effective communication, including greetings, expressing desires, and asking questions. Some SGDs have multiple pages of symbols to accommodate a large number of vocal expressions, and thus only a portion of the symbols available are visible at any one time, with the communicator navigating the various pages. Speech-generating devices generally display a set of selections either using a dynamically changing screen, or a fixed display. There are two main options for increasing the rate of communication for an SGD: encoding, and prediction. Encoding permits a user to produce a word, sentence or phrase using only on
CogX Festival
CogX Festival is a global festival focusing on the impact of artificial intelligence (AI) and emerging technology on industry, government, and society. It takes place annually, usually in September, in London, England. Founded by Charlie Muirhead and Tabitha Goldstaub in 2017, CogX aims to facilitate dialogue and understanding about AI and its implications across various sectors. CogX Festival 2023 was held from September 12 to September 14 across multiple sites in London. == History == The inaugural CogX event took place in 2017, intending to bring together experts from diverse fields to discuss the role and impact of AI and emerging technologies. Since then, it has evolved to include a broader range of topics and attract a diverse audience. In 2018, the first CogX Awards festival was hosted. That year, over 50 awards were shown to 300 guests. In 2021, CogX and Hopin, a video conferencing software, signed an agreement lasting 4 years to make CogX a hybrid conference due to the COVID-19 pandemic. CogX 2021 attracted over 5,000 attendees in-person and over 100,000 virtually. In 2022, they returned to a live event format after two years of hybrid events and controlled physical attendance. They also launched the CogX app, which curated insights from the world's top podcasts. In 2023, after he had delivered the keynote address guest speaker Stephen Fry fell off the stage and subsequently broke his leg, hip, pelvis and a "bunch of ribs". A court filing in 2026 revealed that Fry was seeking £100,000 in damages from CogX Festival Ltd and creative agency Blonstein Events. == Programming == The festival features sessions, discussions, workshops, and exhibitions, encompassing various domains of AI and technology. In recent CogX Festivals, they have featured summits encompassing topics like global leadership and industry transformation.
Sunspring
Sunspring is a 2016 experimental science fiction short film entirely written by an artificial intelligence bot using neural networks. It was conceived by BAFTA-nominated filmmaker Oscar Sharp and NYU AI researcher Ross Goodwin and produced by film production company, End Cue along with Allison Friedman and Andrew Swett. It stars Thomas Middleditch, Elisabeth Grey, and Humphrey Ker as three people, namely H, H2, and C, living in a future world and eventually connecting with each other through a love triangle. The script of the film was authored by a recurrent neural network called long short-term memory (LSTM) by an AI bot named Benjamin. Originally made for the Sci-Fi-London film festival's 48hr Challenge, it was released online by technology news website Ars Technica on 9 June 2016. == Premise == Sunspring narrates the story of three people - H (Middleditch), H2 (Grey), and C (Ker) - set in a futuristic world and entangled with murder and love. == Cast == Thomas Middleditch as H Elisabeth Grey as H2 Humphrey Ker as C == Production == Oscar Sharp originally created the film for the 48hr Film Challenge contest of Sci-Fi-London, a film festival which focuses on science fiction. For the challenge, contestants are given a set of prompts (mostly props and lines) that have to appear in a movie they make over the next two days. It eventually contested in the festival and was nominated among the final top ten films Sharp collaborated with his longtime associate Ross Goodwin, an AI researcher in New York University to create the AI bot, which was initially called Jetson. The bot, which later came to call itself Benjamin, wrote the screenplay including stage directions and dialog. The garbled script was then interpreted by Sharp who directed the actors to construe the plot points themselves and enact the play. According to Ars Technica, the final plot turned out to be a tale of romance and murder, set in a dark future world. === Benjamin, the automatic screenwriter === Called the world's first automatic screenwriter, Benjamin is a self-improving LSTM RNN machine intelligence trained on human screenplays conceived by Goodwin and Sharp. It was trained to write the screenplay by feeding it with a corpus of dozens of sci-fi screenplays found online—mostly movies from the 1980s and 90s. == Music == The film contains a song from Brooklyn-based electro-acoustic duo Tiger and Man, with lyrics written by Benjamin using a database of 30,000 folk songs. As well as a score written by composer Andrew Orkin. == Reception == CNet called it "a beautiful, bizarre sci-fi novelty." Critic Amanda Kooser said, "...probably won't start a rush for replacing human screenwriters with machines. Some day, neural networks may get better at imitating the art of coherent storytelling, but we're not there yet. That doesn't mean "Sunspring" isn't entertaining or worthy of viewing. It is. It's a thought experiment come to life, a novelty." As of April 2019, it has surpassed 1 million views on YouTube.
Image subtraction
Image subtraction or pixel subtraction or difference imaging is an image processing technique whereby the digital numeric value of one pixel or whole image is subtracted from another image, and a new image generated from the result. This is primarily done for one of two reasons – levelling uneven sections of an image such as half an image having a shadow on it, or detecting changes between two images. This method can show things in the image that have changed position, brightness, color, or shape. For this technique to work, the two images must first be spatially aligned to match features between them, and their photometric values and point spread functions must be made compatible, either by careful calibration, or by post-processing (using color mapping). The complexity of the pre-processing needed before differencing varies with the type of image, but is essential to ensure good subtraction of static features. This is commonly used in fields such as time-domain astronomy (known primarily as difference imaging) to find objects that fluctuate in brightness or move. In automated searches for asteroids or Kuiper belt objects, the target moves and will be in one place in one image, and in another place in a reference image made an hour or day later. Thus, image processing algorithms can make the fixed stars in the background disappear, leaving only the target. Distinct families of astronomical image subtraction techniques have emerged, operating in both image space or frequency space, with distinct trade-offs in both quality of subtraction and computational cost. These algorithms lie at the heart of almost all modern (and upcoming) transient surveys, and can enable the detection of even faint supernovae embedded in bright galaxies. Nevertheless, in astronomical imaging, significant 'residuals' remain around bright, complex sources, necessitating further algorithmic steps to identify candidates (known as real-bogus classification) The Hutchinson metric can be used to "measure of the discrepancy between two images for use in fractal image processing".
Nature Manifesto
Nature Manifesto is an Immersive sound piece and multimedia installation by Icelandic artist Björk and artist and curator Aleph Molinari, created in collaboration with the French Institute for Research and Coordination in Acoustics/Music (IRCAM). The installation was showcased at the Centre Pompidou in Paris, France from November 20, 2024 to December 9, 2024, as part of the museum's "Biodiversity: Which Culture for Which Future?" forum. It combines natural soundscapes, calls of extinct animals reconstructed through artificial intelligence, and Björk's narration to address damages to biodiversity and the collapse of ecosystems. == Background == Björk's work intricately weaves themes of nature and technology, reflecting her deep engagement with both realms. In 2008, she co-founded the Náttúra campaign to protest the construction of foreign-backed aluminum factories in Iceland, aiming to protect the country's natural landscapes. She released the single "Náttúra" featuring Thom Yorke, with all proceeds supporting this environmental initiative. Her 2011 album Biophilia further exemplifies this synthesis, exploring the relationships between music, nature, and technology through a multimedia project that included interactive apps, custom-made instruments, and educational workshops. Björk's Cornucopia tour (2019-2023) seamlessly integrates themes of nature preservation and environmental activism, and featured a recorded message by Swedish climate activist Greta Thunberg. The tour's fusion of music, technology, and natural imagery reflects Björk's vision of a harmonious coexistence between humanity and nature, advocating for sustainable futures. Björk has previously used artificial intelligence in her works. In 2020, she collaborated with Microsoft to create Kórsafn, a sound installation for the Sister City Hotel lobby in New York City which used an AI-powered model that elaborated choral recordings from her discography through a sensor on the rooftop of the building that would generate music according to data like the weather and the seasons. For her charity single "Oral", featuring Spanish singer Rosalía, she released a music video directed by photographer and visual artist Carlota Guerrero, who used AI-generated deepfake versions of the artists. == Concept == Nature Manifesto is a three-minute and forty-second immersive sound piece. The composition merges Björk's voice, as she articulates a manifesto on biodiversity and the climate crisis, with cries of extinct and endangered animals, harmonizing them with natural soundscapes. The installation was curated by Chloé Siganos and Aleph Molinari, with associate curator Delphine Le Gatt. The primary goal of Nature Manifesto is to foster a deeper understanding of humanity's impact on the natural world. Conceived as a "post-optimistic" manifesto, Aleph Molinari stated that the project's purpose was to "offer a voice to nature". He stated that "the modern concept of nature itself is problematic [...] because it’s a concept born in the Romantic period and, with the rise of the industrial era, became an antithesis to human civilisation and everything urban. Nature came to define what was outside, the savage Other... But nature is everything that we’re part of." The soundscape features recreated calls of extinct and endangered species, developed in collaboration with the French sound research institute IRCAM. Artificial intelligence was employed to simulate the vocalizations of animals that no longer exist in the wild. To save energy and lessen the ecological impact of the use of AI, the research institute developed a "frugal AI" model capable of generating audio in real-time on local servers without a graphics processing unit. The sounds were then produced and edited by Björk in collaboration with Robin Meier Wiratunga and Bergur Þórisson. The installation was located within the Centre Pompidou's escalator, known as the "caterpillar". The installation was further supported by videos created by visual artist Sam Balfus (also known as Balfua) by using artificial intelligence, and edited by Santiago Molinari. == Activism == To sustain and broaden the themes presented in Nature Manifesto, Björk publicly urged French President Emmanuel Macron to prohibit bottom trawling within France's marine protected areas (MPA). She criticized the French government's claim of protecting 30% of its marine territories, highlighting that over 90% of these MPAs exist only on paper, allowing destructive practices like bottom trawling to continue unchecked. She collaborated with non-governmental organizations Sustainable Ocean Alliance, Ungir umhverfissinnar and Bloom, to advocate for genuine ocean conservation. Björk promoted the cause through her social media profiles by sharing petitions. In November 2024, Björk lent her Instagram account to French environmental activists to directly address Macron. The activists used the platform to call for stronger protection of the ocean, urging Macron to impose stricter restrictions on harmful fishing practices, particularly bottom trawling. == Reception == Nature Manifesto received mixed to positive reviews from critics. Some critiques focused on the installation's setting, suggesting that the movement inherent to the escalator space diminished the immersive potential of the soundscape. The choice of using artificial intelligence was also questioned. Björk and Molinari defended this, as both see AI as a tool that can be used creatively and sustainably, with Björk focusing on the importance of human input to give AI a "soul", and Molinari stressing the need for sustainable technological practices in the broader context of digital life. After the exhibition ended, Björk further opinionated: "this is how we will work in the future. [...] if there is no soul in tomorrow's music made by AI it is because [no one] put it there and we have to speak out and guard this as listeners", further stating that there is already "soulless muzak" [sic] on Spotify, "mass manufactured without the attention of creativity".