Stay updated with the latest trends, tips and news from the design and technology world.
analyticsinsight
Struggling with stress or anxiety? These AI-powered mental health apps of 2026 are changing how people manage emotions and daily well-being.
benzinga
SHANGHAI, March 16, 2026 /PRNewswire/ -- Monday, March 16th at 1:30 PM PT, Viva Biotech (01873.HK) optimizes the Proteina-Complexa model in advancing the design of mini-binders targeting ActRIIA, a receptor critical in muscle wasting and lean mass imbalance, aiming to accelerate the discovery of novel therapeutics with AI-driven designs with NVIDIA technology. ...Full story available on Benzinga.com
globenewswire
WeRide showcased its Robotaxi GXR at NVIDIA GTC 2026 today, which will be introduced across key Southeast Asian markets together with shareholder Grab.
yahoo
"Zuckerberg found a way to truly exploit everything about these platforms."
cision
SINGAPORE, March 17, 2026 /PRNewswire/ -- Circles and Airwallex today announced a strategic global partnership to integrate Airwallex's industry-leading embedded finance solutions into CirclesX, Circles' award-winning SaaS platform for telecom operators. This partnership opens a...
einpresswire
A historic international training program at Jiangsu University educated 131 agricultural specialists from 39 developing countries between 1980 and 1994.
dungogchronicle_au
BUSINESS: Meet Newcastle surfer and entrepreneur Banjo Hunt.
Unlimit has been named Strategic Global Fintech Partner for CYGMA, the Cyprus Game Makers Association. Unlimit will provide the organisation’s members with a dedicated global payment infrastructure and fintech support. The partnership will support Cyprus’ fast-growing games sector, which includes more than 300+ game studios and generates an estimated $1.6B in annual revenue. The post Unlimit Becomes Strategic Fintech Partner for CYGMA, Supporting the Growing Global Gaming Industry appeared first on FF News | Fintech Finance .
The global control console market has entered a period of sustained expansion. According to recent industry analyses, the market is valued at several billion
einpresswire
Formulaic Inc. continues expanding its invitation-only platform designed for accredited investors seeking direct access to privately negotiated, off-market
einpresswire
Hanover Yachts Returns to the Palm Beach International Boat Show 2026 for the Fifth Consecutive Year
einpresswire
New platform at developer.htagai.com provides decoupled REST APIs, MCP servers with 39 tools, and pre-built AI agents covering 14.8M Australian addresses
Entrepreneur Eric Winegard expands Rare Blue Moon Marketing nationwide using AI powered ads, SEO, and automation to deliver faster growth, stronger leads
rmit_edu
Researchers have unlocked the possibility of creating smart wound dressings that enable real-time monitoring while also being able to deliver healing agents in one simple, scalable platform.
Kumho Tire Canada launches four new tire lines with Spring rebate promotion, designed for Canada's diverse driving conditions....
Innov8.ag Launches Industry’s First Operational Intelligence Service for Agriculture Innov8.ag Launches Industry’s First Operational Intelligence Service for Agriculture
Snopes.com
When the X user shared the post in June 2013, there was a fresh outbreak of MERS-coronavirus in Saudi Arabia.
Momcozy Launches BirthEase Maternity Ball Set Combining Safety-Engineered Equipment with Expert-Led Guidance...
Tech Veteran KP Reddy Launches AI Platform Company to Transform Construction Industry, Secures Backing of General Catalyst with $13.8M Seed Round...
Shootout Series Expands to Over 300 Events to Become the Largest Development Pro-Am Tour Shootout Series Expands to Over 300 Events to Become the Largest Development Pro-Am Tour
Pushpay Goes gives church planters free premium tech, coaching, and peer support for 12 months so they can focus on launching their churches....
ExchangeWire
EscalaX, a global programmatic advertising company, held an event in Madrid with leading industry professionals to present EX+, its supply side platform (SSP). The goal of the event was to showcase the platform’s capabilities and create an open space for [...…
NetSfere launches patented Self-Healing Voice Resiliency technology to keep enterprise voice calls connected during network disruptions....
Siliconera
The first Planet of Lana game felt like a desperate race to survive, thrive, and free loved ones. It ended up being an incredibly tense, short situation that focused on things like puzzles and stealth, even though situations could get quite heated and quick-t…
Lifedev.net
There is nothing more dangerous than unrecognized mental overload, and here is why. It’s 10 p.m., and your brain feels like a browser with 47 tabs open — deadlines, emails, that awkward conversation from this morning, tomorrow’s to-do list, and even random “w…
Samsung.com
Discover how on-device AI translation is revolutionizing financial services by breaking language barriers, enhancing customer engagement, and ensuring secure, real-time communication for non-native English speakers. Learn how this technology fosters inclusivi…
BusinessLine
The centre will focus on electric powertrains, automotive power electronics, battery technologies, EV charging systems, and software-defined vehicles, enabling industry-ready innovation, a post by IIT Madras on social media said.
HOUSTON and LONDON, March 16, 2026 (GLOBE NEWSWIRE) -- LyondellBasell (NYSE: LYB) today announced the appointment of David Dennison, a seasoned leader with decades-long service at LYB, as the new head of investor relations, effective May 8, 2026. He succeeds …
Espoo, Finland, March 16, 2026: Herantis Pharma Plc ("Herantis"), a clinical-stage company developing disease-modifying therapies to stop the progression of Parkinson’s disease, announces that its Chief Scientific Officer, Henri Huttunen, will be delivering a…
Fortune
Anthony Gutman and Kunal Shah say the Ukraine parallel is "very real," but the starting conditions are fundamentally different.
GUEST POST from Greg Satell I’ve always been inspired by ideas. Some, like Aristotle’s logic, shape the world for millennia. Others, like Einstein’s relativity, completely change our conceptions of what is possible. Still others, like mRNA vaccines, seem to e…
Www.gov.uk
A strategy to accelerate growth of the fusion industry, grow supply chains and skills, and position the UK as a global leader in commercial fusion.
Freerider Brett Tippie Signs with Aventon as Bike Ambassador Freerider Brett Tippie Signs with Aventon as Bike Ambassador
New York Post
"I can't have fun if I can't have...you."
NEW YORK, March 16, 2026 (GLOBE NEWSWIRE) -- Fusemachines Inc. (NASDAQ: FUSE), a leading provider of enterprise AI technologies, today announced that it has achieved the Amazon Web Services (AWS) AI Services Competency Partner Status (formerly Generative AI…
Matt LaVay Appointed Chief Executive Officer; Michael Mathews to Become Executive Chairman Matt LaVay Appointed Chief Executive Officer; Michael Mathews to Become Executive Chairman
Thenerve.news
Experts say that claims UK data remains under government ownership miss the point that the company has the capability to build its own detailed picture of the British population, and even infer state secrets. Report by Charlie Young and Carole Cadwalladr
BusinessLine
The Indira Gandhi Memorial Tulip Garden was thrown open to visitors in a riot of colours, heralding the arrival of spring.
The Times of India
India has established over 2.76 lakh Biodiversity Management Committees, boosting community involvement in biodiversity governance and benefit sharing. The nation leads globally with a 60 percent share in ABS Clearing-House compliance certificates. The Biolog…
The Times of India
Ecopreneur Awards 2026: Celebrating Sustainable Business Excellence
9to5Toys
Just after the launch of the all-new Sonos Era 100 SL speaker and the Play, Amazon has now launched a new Sonos sale. Featuring deals on home theater upgrades and portable speakers, you’ll find up to $130 in savings right here, and additional details below. …
The Times of India
India's competition regulator, the CCI, is urging companies to self-audit their artificial intelligence tools. This move aims to prevent hidden anti-competitive outcomes during AI development and deployment. The CCI's guidance follows a market study on AI and…
TORONTO, March 16, 2026 (GLOBE NEWSWIRE) -- Altus Group Limited (“Altus Group” or the “Company”) (TSX: AIF), a leading provider of commercial real estate (“CRE”) intelligence, in furtherance of the Company’s previously announced capital return objectives, tod…
Den of Geek US
Every generation of gamers eventually reaches the same conclusion: graphics have finally become indistinguishable from reality. At any given time, the lighting, textures, and character models feel practically lifelike. But give it a few years, and we look bac…
MIT Technology Review
AI-enabled fraud and the coming impact of quantum computing are redefining digital-asset security, putting pressure on owners and service providers to act now.
Wired
The most widely adopted computer language in history, COBOL is now causing a host of problems. It's also dangerously difficult to remove.
WATERTOWN, Mass, March 16, 2026 (GLOBE NEWSWIRE) -- EyePoint, Inc. (Nasdaq: EYPT), a company committed to developing and commercializing therapeutics to help improve the lives of patients with serious retinal diseases, today announced that the Company granted…
Bloomway AI Announces Public Beta of CinePro: Infusing Cinematic Expertise into AIGC to Redefine the "Lean Cinema" Workflow...
Israelnationalnews.com
Experts assess the current location and possible fate of Tehran’s nuclear stockpile. Analysis
Offshore Technology
The company's onshore production in the UAE, around 210,000bpd, is currently unaffected by the ongoing Middle East conflict.
Nextbigwhat.com
A review of multiple Telegram channels has revealed a surge in job listings for 'AI face models,' predominantly targeting women. Those who accept these roles are often unwittingly becoming the faces of elaborate scams designed to defraud victims. This trend h…
The Times of India
CSIR-NCL scientists have developed an indigenous technology to produce Dimethyl Ether (DME), a clean-burning fuel that can be blended with LPG. This innovation aims to reduce India's reliance on imported cooking fuel and bolster energy self-reliance. The tech…
Dazed
Meet the first participants of Month Offline, a communal program helping people to give up their smartphones and live a more offline life
Leveraging deep learning for immersive 3D visualization, integrated CT imaging workflows and enhanced precision in lung navigation and surgical planning SAN JOSE, Calif. — L&T Technology Services Limited (BSE: 540115, NSE: LTTS), a global leader in AI, Digita…
BusinessLine
ElectroSense allows field technicians, telecom workers, line inspectors and maintenance teams to receive warning signals before accidental contact with hazardous live points occurs, company says
Dezeen
University of Edinburgh researchers have used bacteria to break down plastic waste and turn it into a Parkinson's drug, advancing a new approach known as "bio-upcycling". The University of Edinburgh biotechnology researchers successfully synthesised the drug …
Soldiersystems.net
FENTON, Mo. (March 13, 2026) – FirstSpear®, the industry leader in load-bearing technology and personal protective equipment, announced the launch of its Vanguard Program, a strategic initiative designed to formalize the feedback loop between the engineering …
The New Yorker
A Profile of the “Friends,” “Romy and Michele’s High School Reunion,” “Cheers,” and “Mad About You” actor, and her work and relationships with Matthew Perry, Courteney Cox, Jennifer Aniston, Conan O’Brien, Matt LeBlanc, and others. Michael Schulman reports.
Calnewport.com
I’ve been studying the intersection of digital technology and office work for quite some time. (I find it hard to believe that my book, Deep ... Read more The post Why Hasn’t AI Made Work Easier? appeared first on Cal Newport.
The New Republic
For a decade and a half now, my work has fallen into two categories: collecting evidence on the threat posed by fossil fuels, and deploying written and spoken words to urge action against it. Recently, generative AI systems have entered both of these spheres …
Camillestyles.com
Curious about vibration plates? Experts explain vibration plate benefits for muscle strength, circulation, and lymphatic health—plus how to use one at home.
Nextgov
The agency is directing employees who normally process benefits to answer phone lines instead.
The Times of India
In a shifting economic landscape, Britain is updating its inflation metrics to align more closely with modern lifestyles. New health-conscious options like alcohol-free beer and houmous are now part of the calculation, illustrating how consumer preferences ar…
The Times of India
India's Ministry of Culture begins a nationwide survey to map its manuscript heritage. This initiative aims to create a comprehensive digital record of historical treasures. Teams will identify manuscripts across the country. The goal is to build a national d…
CBS News
Patchwork state policies and limited federal oversight have led to a fragmented system for tracking organ donor status.
Android Authority
Forget the Galaxy S26 Ultra's Privacy Display — I wish Samsung would finally care about PWM dimming and eye comfort features.
New York Magazine
Prosecutors say Gökçe Güven, a Forbes 30 Under 30 honoree, invented deals with Nike and Godiva and forged contracts with fake businesses to grow her rewards-points start-up. She was indicted on charges of wire and securities fraud in New York City.
Wattsupwiththat.com
Quote of the Week: “…turbulence is the most important unsolved problem of classical physics."— Richard Feynman,
Retail Dive
Voice fraud is now one of retail’s fastest-growing threats, and fraudsters are winning.
Techtarget.com
Routine IT updates now shape enterprise governance, as patching, endpoint compliance and identity policies determine how organizations enforce security.
Washington Monthly
Without charismatic Castro and Russian/Venezuelan support, and with sky-high oil prices, the communist regime is brittle. But as the Cuban-born secretary of state discovers in Iran, breaking things is the easy part. The post Cuba Libre: Rubio’s Big Bet on Re…
Radaronline.com
With changing times, law firms are turning to AI-powered digital tools to manage every aspect of their work, improving efficiency and saving time and money.
Janefriedman.com
The Authors Guild has expanded its human-authorship certification program to all authors. It verifies author identity, but not whether the author used AI in the work.
Beta version now available to existing customers to help technicians access data, generate work orders from voice and turn complex manuals into instant, usable guidance Beta version now available to existing customers to help technicians access data, generate…
ComputerWeekly.com
Research from edge computing provider observes enterprise edge AI is now an intrinsic part of core business infrastructure, driven by rapid uptake of agentic operations
Itsnicethat.com
In a highly computerised world, Eleanor Yang remains positive about technology and builds spaces for spectators to control typography with with their bodies.
Retaildesignblog.net
One of the perks of living in one of China‘s shortlist of advanced first-tier cities is definitely a sophisticated retail...
Esa.int
It seems improbable that a satellite designed to monitor polar ice sheets and floating sea ice could accurately measure a disturbance in Earth’s magnetic field. But that is just what ESA’s CryoSat mission did earlier this year.
Pythonbytes.fm
News and announcements from the Python community for the week of Mar 16th, 2026
Blog.google
As we all look toward the AI era, we’re sharing what we learned in a new report.
ExchangeWire
On today's digest we look at the latest surrounding ads on Gemini, an acquisition by Publicis, and the closing arguments in the first ever social media addiction jury trial. How soon could ads be coming to Gemini? Google’s SVP of knowledge [...] The post Di…
Blog.google
A collage of photos of people interacting with technology and learning how to use AI. In the center, in blue and black writing, is a slogan: AI works for Europe
Fortune
With Google's support, INCO and Chance have created NewFutures:AI, a set of advanced AI curriculums for final-year students.
The Times of India
Natural diamonds' value stems from human skill, transforming raw stones into meaningful treasures. India, particularly Surat, processes over 90% of the world's cut and polished diamonds, driven by deep artisan networks and a growing workforce, including incre…
Oezratty.net
We are back after seven months of break. This is the 85th episode of Decode Quantum, with me, Olivier Ezratty, and Fanny Bouton. In this new episode, we welcome Christian Weedbrook, the founder and CEO of Xanadu Quantum Technologies (Canada). He is an Austral…
The Times of India
Bandhan Bank shares fell sharply after ET reported that Bandhan Financial Services is exploring long-term investor exits. Options under consideration include selling stakes to private equity or an IPO. The move aligns with regulatory mandates to reduce promot…
RTE
Chinese online retail giant JD.com is launching in the UK through its new Joybuy platform, as it seeks to target bargain-hunting British shoppers.
Roborock Technology Co. Ltd via Amazon [amazon.com] has *roborock Q7 M5 Robot Vacuum and Mop Combo* for *$149.99*. *Shipping is free*. * Black [amazon.com] * White [amazon.com] *Price* *$90*...
Formula 1 delivered in Shanghai. There are still issues to address, but the new F1 certainly isn't broken
Inside Higher Ed
The University as Idea Factory Sara Brady Mon, 03/16/2026 - 03:00 AM In a world of limited resources, where government funding is core to our business model, we must justify our existence to skeptics. Byline(s) John Kroger
Inside Higher Ed
Writing Faculty Push for the Right to Refuse AI kathryn.palmer… Mon, 03/16/2026 - 03:00 AM As universities rush to adopt generative AI–powered tools that claim to enhance teaching, learning and workforce preparation, a growing contingent of academics…
NPR
All this health tracking might not be actually very...healthy.There's a lot of evidence that health tracking can be good for us. Studies have shown that fitness trackers are effective at increasing physical activity, and can pretty accurately detect issues li…
Bmwgroup.com
+++ Holistic concept targets resource efficiency and reduction in CO2e emissions +++ Decarbonisation across supply chain +++ “Design for Circularity” principle expanded to further components +++
CNA
Mr Wong will be making his first visit to Japan as Singapore's prime minister. It comes on the 60th anniversary of diplomatic relations between the two countries.
Autocar
Chinese firm is planning to build a European factory, but that will inevitably undermine its cost advantage MG has built up a formidable market share in the UK and Europe thanks to its broad range of appealing models priced to undercut European competition. …
Protothema.gr
/// The post Concern over tourism, PASOK’s “airport transfers”, Vodafone’s talks with Stathopoulos, Vardinogiannis and PPC, the Intrum package appeared first on ProtoThema English.
Hurriyet Daily News
The Agriculture and Forestry Ministry has declared digital transformation a strategic priority for Türkiye’s agricultural sector this year, aiming to integrate advanced technologies across production, livestock, irrigation and crop protection.
ArchDaily
The Myron and Berna Garron Health Sciences Complex (SAMIH), at the University of Toronto Scarborough, was shaped by a clear and non-negotiable mandate: at least 20% of the building's energy consumption had to be generated from renewable sources installed on…
Hurriyet Daily News
The Ankara Chamber of Industry (ASO) has warned that the Free Trade Agreement (FTA) signed between the European Union (EU) and India is unlikely to cause an immediate and destructive loss of market share for Türkiye but rather a gradual increase in competitiv…
Brookfield backed Atrato Onsite Energy has acquired Spanish solar business Finlight to create Europe's largest C&I solar business...
GLENDALE, CA, March 16, 2026 (GLOBE NEWSWIRE) -- LigoLab, a laboratory informatics company headquartered in Glendale, reported key findings and discussions from LigoVerse 2026, a two-day gathering of clinical laboratory leaders, partners, and technology exper…
Wccftech
NVIDIA will be hosting its premier AI event today, GTC 2026, where CEO Jensen Huang, will unveil the latest technologies & talk about what comes next. NVIDIA GTC 2026 Keynote Featuring CEO Jensen Huang's Keynote Today, Watch It Live Here! It's time for GTC on…
Naftemporiki.gr
Snappi, the first neobank licensed by the European Central Bank (ECB), presented the Snappi Fintech & AI Lab. According to Snappi, this is a new initiative designed to bridge the… Snappi presents Fintech & AI Lab - Η ΝΑΥΤΕΜΠΟΡΙΚΗ
Naturalnews.com
Cheap commercial drones are now a major threat to U.S. security and the homeland. Recent conflicts show low-cost drones can kill personnel and damage critical infrastructure. The U.S. military admits drones are a defining and pervasive feature of modern warfa…
PR Newswire UK
Joybuy – the new online shopping destination – offers products across tech, appliances, beauty, home, grocery and everyday essentials with competitive prices on trusted brands Same-day delivery at no extra charge on eligible orders – Joybuy's Double 11 servic…
The Irish Times
Former politicians involved in such advocacy can exploit vast experience of how Government and politics operate
Naturalnews.com
The Powder Keg and the Match I am writing this in March 2026, and I can feel the tectonic plates of geopolitics grinding against each other. The Persian Gulf is a powder keg, and the United States under President Donald Trump, aligned with Israeli Prime Minis…
Radaronline.com
Elite athletes are known for their intense training schedules, strict discipline, and relentless pursuit of victory.
Naturalnews.com
A study in the Journal of the American Heart Association found that eating one avocado + one cup of mango daily improved flow-mediated dilation (FMD) by 6.7%, enhancing arterial flexibility and reducing hypertension risk. Avocados provide heart-healthy monoun…
ComputerWeekly.com
HMRC has bought phone scanning equipment and analysis software capable of extracting data from mobile devices as it steps up its electronic intelligence gathering capabilities, an investigation by Computer Weekly reveals
Naturalnews.com
U.S. academic openness is being exploited to transfer sensitive intelligence technology to China, with programs linked to the U.S. Intelligence Advanced Research Projects Activity (IARPA) serving as a key pipeline. China’s strategy is guided by “unrestricted …
How Long Will Humanity Last? Examining Our Survival Prospects Predicting the lifespan of humanity is an inherently uncertain endeavor, but based on current trends and potential existential risks, a realistic estimate lies between a few centuries and several m…
In a more dangerous, divided, and uncertain world, security can no longer be taken for granted. Canada is strengthening its defences in the North and working closely with trusted partners to protect our sovereignty and reinforce collective security.
Joint Task Force-Southern Border (JTF-SB) marks its one-year anniversary, March 14, 2026. This milestone highlights JTF-SB's first 365 days of executing agile, full-scale, and partner-focused missions in support of the Department of Homeland Security's (DHS) …
US President Donald Trump claimed on Friday the Pentagon has "virtually unlimited" stocks of ammunition allowing the military to continue operations against Iran for as long as required.
shawlocal
Amanda Burger, director of the Henry C. Adams Memorial Library in Prophetstown, wants to sharpen the knowledge of local residents.
mychesco
MALVERN, PA — TELA Bio Inc. (NASDAQ: TELA) said it will report financial results for the fourth quarter and full year ended December 31, 2025, on Tuesday, March 24, 2026. ...
thestar_my
SEOUL: SK Innovation Co's battery unit, SK On, is in talks with multiple American data centres and energy developers to supply batteries for energy storage systems (ESS), aiming to secure at least 10 gigawatt hours (GWh) of contracts in the United States this year. Read full story
analyticsinsight
Google, Meta, Amazon, and other tech giants join an anti-fraud pledge to share tools and information. Learn how this could make online platforms safer.
mychesco
HARRISBURG, PA — Nearly 200 nonprofit and faith-based organizations across Pennsylvania will receive funding to strengthen security at their facilities after state officials approved $10.8 million in grants aimed at ...
fool
It's smart for investors to consider ways to build their portfolios with exposure to AI.
businesstimes
Gaps in the eldercare and retirement housing landscape can be addressed with regulatory changes
winnipegfreepress
A Manitoba farming research non-profit will have more space to let cattle roam and graze on prairie grasslands — and study how that foraging affects biodiversity — through a partnership [...]
hoodline
Vancouver Public Schools approved a plan to cut roughly 189 positions and shave about $24M from the 2026–27 budget, citing enrollment drops and rising costs.
postregister
Nvidia CEO heralds ‘inference inflection’ as next phase of AI boom, backed by $1 trillion in orders
-Full Year 2025 Revenue reached RMB13.6 billion, up 3.8% year-over-year- -Full Year 2025 International Transaction Volume reached RMB14.0 billion, up 38.6% year-over-year- - Full Year International Revenues reached RMB3.3 billion, up 32.0% year-over-year and representing 24.6% of total net revenues- SHANGHAI, March 17, 2026 /PRNewswire/ -- FinVolution Group ("FinVolution" or the "Company") (NYSE: FINV), a leading fintech platform across China and international markets, today announced its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2025. For the Three Months Ended/As of YoY Change For the Full Year Ended / As of December 31, YoY Change December 31, 2024 December 31, 2025 2024 2025 Total Transaction Volume (RMB in billions)1 56.9 42.8 -24.8 % 206.2 200.3 -2.9 % Transaction Volume (China's Mainland)2 54.0 38.7 -28.3 % 196.1 186.3 -5.0 % Transaction Volume (International)3 2.9 4.1 41.4 % 10.1 14.0 38.6 % Total Outstanding Loan Balance (RMB in billions) 71.5 70.9 -0.8 % 71.5 70.9 -0.8 % Outstanding Loan Balance (China's Mainland)4 69.8 68.3 -2.1 % 69.8 68.3 -2.1 % Outstanding Loan Balance (International)5 1.7 2.6 52.9 % 1.7 2.6 52.9 % Fourth Quarter 2025 China Market Operational Highlights Cumulative registered users6 reached 187.4 million as of December 31, 2025, an increase of 8.6% compared with December 31, 2024. Cumulative borrowers7 reached 29.0 million as of December 31, 2025, an increase of 8.2% compared with December 31, 2024. Number of unique borrowers8 for the fourth quarter of 2025 was 1.5 million, a decrease of 28.6% compared with the same period of 2024. Transaction volume2 was RMB38.7 billion for the fourth quarter of 2025, a decrease of 28.3% compared with the same period of 2024. Transaction volume facilitated for repeat individual borrowers9 for the fourth quarter of 2025 was RMB30.8 billion, a decrease of 34.0% compared with the same period of 2024. Outstanding loan balance4 was RMB68.3 billion as of December 31, 2025, a decrease of 2.1% compared with December 31, 2024. Average loan size10 was RMB12,877 for the fourth quarter of 2025, compared with RMB11,466 for the same period of 2024. Average loan tenure11 was 8.2 months for the fourth quarter of 2025, compared with 8.0 months for the same period of 2024. 90 day+ delinquency ratio12 was 2.85% as of December 31, 2025. Fourth Quarter 2025 International Market Operational Highlights Cumulative registered users13 reached 52.1 million as of December 31, 2025, an increase of 45.9% compared with December 31, 2024. Cumulative borrowers14 for the international markets reached 11.7 million as of December 31, 2025, an increase of 67.1% compared with December 31, 2024. Number of unique borrowers15 for the fourth quarter of 2025 was 3.8 million, an increase of 133.8% compared with the same period of 2024. Number of new borrowers16 for the fourth quarter of 2025 was 1.6 million, an increase of 117.3% compared with the same period of 2024. Transaction volume3 reached RMB4.1 billion for the fourth quarter of 2025, an increase of 41.4% compared with the same period of 2024. Outstanding loan balance5 reached RMB2.6 billion as of December 31, 2025, an increase of 52.9% compared with December 31, 2024. International business revenue was RMB950.9 million (US$136.0 million) for the fourth quarter of 2025, an increase of 28.6% compared with the same period of 2024, representing 31.4% of total revenue for the fourth quarter of 2025. Fourth Quarter 2025 Financial Highlights Net revenue was RMB3,023.9 million (US$432.4 million) for the fourth quarter of 2025, compared with RMB3,456.7 million for the same period of 2024. Net profit was RMB415.5 million (US$59.4 million) for the fourth quarter of 2025, compared with RMB680.8 million for the same period of 2024. Non-GAAP adjusted operating income,17 which excludes share-based compensation expenses before tax, was RMB519.8 million (US$74.3 million) for the fourth quarter of 2025, compared with RMB822.0 million for the same period of 2024. Diluted net profit per American depositary share ("ADS") was RMB1.63 (US$0.23) and diluted net profit per share was RMB0.33 (US$0.05) for the fourth quarter of 2025, compared with RMB2.61 and RMB0.52 for the same period of 2024, respectively. Non-GAAP diluted net profit per ADS was RMB1.77 (US$0.25) and non-GAAP diluted net profit per share was RMB0.35 (US$0.05) for the fourth quarter of 2025, compared with RMB2.74 and RMB0.55 for the same period of 2024, respectively. Each ADS of the Company represents five Class A ordinary shares of the Company. ________________________________________________________________ 1 Represents the total transaction volume facilitated in China's Mainland and the international markets on the Company's platforms during the period presented. 2 Represents our transaction volume facilitated in China's Mainland during the period presented. During the fourth quarter, RMB19.0 billion was facilitated under the capital-light model, for which the Company does not bear principal risk. 3 Represents our transaction volume facilitated in markets outside China's Mainland during the period presented. These operating data include those of Fundo Loans Pty Ltd, an Australian company acquired in October 2025, for the period after its acquisition. 4 Outstanding loan balance (China's Mainland) as of any date refers to the balance of outstanding loans in China's Mainland market excluding loans delinquent for more than 180 days from such date. As of December 31, 2025, RMB37.8 billion was facilitated under the capital-light model, for which the Company does not bear principal risk. 5 Outstanding loan balance (international) as of any date refers to the balance of outstanding loans in the international markets excluding loans delinquent for more than 30 days from such date. These operating data include those of Fundo Loans Pty Ltd, an Australian company acquired in October 2025, as of December 31, 2025, covering both pre- and post-acquisition periods. 6 On a cumulative basis, the total number of users in China's Mainland market registered on the Company's platform as of December 31, 2025. 7 On a cumulative basis, the total number of borrowers in China's Mainland market registered on the Company's platform as of December 31, 2025. 8 Represents the total number of borrowers in China's Mainland who successfully borrowed on the Company's platform during the period presented. 9 Represents the transaction volume facilitated for repeat borrowers in China's Mainland who successfully completed a transaction on the Company's platform during the period presented. 10 Represents the average loan size on the Company's platform in China's Mainland during the period presented. 11 Represents the average loan tenor on the Company's platform in China's Mainland during the period presented. 12 "90 day+ delinquency ratio" refers to the outstanding principal balance of loans, excluding loans facilitated under the capital-light model, that were 90 to 179 calendar days past due as a percentage of the total outstanding principal balance of loans, excluding loans facilitated under the capital-light model on the Company's platform as of a specific date. Loans that originated outside China's Mainland are not included in the calculation. 13 On a cumulative basis, the total number of users registered on the Company's platforms outside China's Mainland market, as of December 31, 2025. These operating data include those of Fundo Loans Pty Ltd, an Australian company acquired in October 2025, as of December 31, 2025, covering both pre- and post-acquisition periods. 14 On a cumulative basis, the total number of borrowers on the Company's platforms outside China's Mainland market, as of December 31, 2025. These operating data include those of Fundo Loans Pty Ltd, an Australian company acquired in October 2025, as of December 31, 2025, covering both pre- and post-acquisition periods. 15 Represents the total number of borrowers outside China's Mainland who successfully borrowed on the Company platforms during the period presented. These operating data include those of Fundo Loans Pty Ltd, an Australian company acquired in October 2025, for the period after its acquisition. 16 Represents the total number of new borrowers outside China's Mainland whose transactions were facilitated on the Company's platforms during the period presented. These operating data include those of Fundo Loans Pty Ltd, an Australian company acquired in October 2025, for the period after its acquisition. 17 Please refer to "UNAUDITED Reconciliation of GAAP and Non-GAAP Results" for reconciliation between GAAP and Non-GAAP adjusted operating income. Mr. Tiezheng Li, Vice Chairman and Chief Executive Officer of FinVolution, commented, "In 2025, we proudly celebrated FinVolution's 18th anniversary, marking a milestone in our evolution from a passionate Chinese fintech pioneer to a regional platform expanding responsible credit access across Asia and beyond. Despite a challenging macro and regulatory environment in China, we delivered resilient full-year results, with Group revenue of RMB13.6 billion, up 3.8% year over year, and net profit rising 6.6% to RMB2.5 billion. Our effective 'Local Excellence, Global Outlook' strategy drove international revenue to a record 31.4% contribution in the fourth quarter, highlighted by full-year profitability in Indonesia and the Philippines. "We also made a strategic entry into our first developed market, Australia, employing the regulatory maturity and consumer-first mindset we have developed in China alongside our successful experience scaling in Southeast Asia. Going forward, our resilient risk management, ongoing AI innovation investments, and responsible growth will ensure prudent management of our China business while continue to accelerate sustainable international expansion. As we build on our international momentum, we remain committed to delivering growth and enduring value for our users, partners, and shareholders through disciplined execution," concluded Mr. Li. Mr. Jiayuan Xu, Chief Financial Officer of FinVolution, continued, "In the fourth quarter, we navigated a complex environment, prioritizing portfolio quality in China while sustaining strong growth internationally. Group net revenue was RMB3.0 billion and net income was RMB415.5 million, reflecting the near-term impact of tighter underwriting in China, offset by a 28.6% year-over-year increase in international revenues. We also recorded robust international transaction volume growth of 41.4% year over year to RMB4.1 billion and unique borrowers up 133.8% to 3.8 million, underscoring the resilience of our diversified model and our ability to adapt quickly in a dynamic landscape. "Meanwhile, we continued to deliver meaningful shareholder returns, executing US$107.2 million in full-year buybacks, including a record US$40.7 million in the fourth quarter, and increasing our dividend per ADS by 10.5% to US$0.306, totaling approximately US$74.5 million for 2025. Our Chairman and senior management team recently invested an additional US$1.9 million of their own capital, reflecting strong internal confidence in our valuation and long-term prospects. We will continue to advance our strategy with a clear emphasis on execution quality and portfolio resilience, balancing growth and risk management to drive sustainable returns and value creation," concluded Mr. Xu. Fourth Quarter 2025 Financial Results Net revenue for the fourth quarter of 2025 was RMB3,023.9 million (US$432.4 million), compared with RMB3,456.7 million for the same period of 2024. This decrease was primarily due to decreases in loan facilitation service fees, post-facilitation service fees and guarantee income, partially offset by increases in net interest income and other revenue. Loan facilitation service fees were RMB848.9 million (US$121.4 million) for the fourth quarter of 2025, compared with RMB1,344.8 million for the same period of 2024. The decrease was primarily due to decreases in the transaction volume and average rate of transaction service fees in the China market, partially offset by the increase in transaction volume in international markets. Post-facilitation service fees were RMB392.8 million (US$56.2 million) for the fourth quarter of 2025, compared with RMB460.5 million for the same period of 2024. This decrease was primarily due to the rolling impact of deferred transaction fees. Guarantee income was RMB948.5 million (US$135.6 million) for the fourth quarter of 2025, compared with RMB1,205.5 million for the same period of 2024. This decrease was primarily due to the decrease in risk-bearing loans in the China market, as well as the rolling impact of deferred guarantee income. The fair value of quality assurance commitment upon loan origination is released as guarantee income systematically over the term of the loans subject to quality assurance commitment. Net interest income was RMB471.9 million (US$67.5 million) for the fourth quarter of 2025, compared with RMB217.9 million for the same period of 2024. This increase mainly resulted from the increase in the average outstanding loan balances of on-balance sheet loans in both China and the international markets, partially offset by the decrease in interest yield in the China market. Other revenue was RMB361.8 million (US$51.7 million) for the fourth quarter of 2025, compared with RMB228.0 million for the same period of 2024. This increase was primarily due to the increase in the contributions from other revenue streams including other value-added services. Origination, servicing expenses and other costs of revenue were RMB847.3 million (US$121.2 million) for the fourth quarter of 2025, compared with RMB664.0 million for the same period of 2024. This increase was primarily driven by the increase in employee expenditures and higher loan collection expenses in both China and the international markets. Sales and marketing expenses were RMB512.4 million (US$73.3 million) for the fourth quarter of 2025, compared with RMB531.5 million for the same period of 2024. This decrease was primarily due to improved efficiency and decreased investment in marketing activities in China. Research and development expenses were RMB142.6 million (US$20.4 million) for the fourth quarter of 2025, compared with RMB126.3 million for the same period of 2024. This increase was primarily due to increased investments in technology development. General and administrative expenses were RMB124.5 million (US$17.8 million) for the fourth quarter of 2025, compared with RMB112.6 million for the same period of 2024, primarily due to higher professional service fees in the international market. Provision for accounts receivable and contract assets was RMB106.4 million (US$15.2 million) for the fourth quarter of 2025, compared with RMB95.1 million for the same period of 2024. The increase was primarily due to increased transaction volume of off-balance sheet loans in the international market, partially offset by decrease in volume of off-balance sheet loans in the China market. Provision for loans receivable was RMB261.7 million (US$37.4 million) for the fourth quarter of 2025, compared with RMB64.3 million for the same period of 2024. This increase was primarily due to the increase in the outstanding loan balance of on-balance sheet loans in both China and the international markets. Credit losses for quality assurance commitment were RMB546.4 million (US$78.1 million) for the fourth quarter of 2025, compared with RMB1,075.0 million for the same period of 2024. The decrease was primarily due to the decrease in risk-bearing loans in the China market. Operating profit was RMB482.7 million (US$69.0 million) for the fourth quarter of 2025, compared with RMB787.9 million for the same period of 2024. Non-GAAP adjusted operating income, which excludes share-based compensation expenses before tax, was RMB519.8 million (US$74.3 million) for the fourth quarter of 2025, compared with RMB822.0 million for the same period of 2024. Other income was RMB20.8 million (US$3.0 million) for the fourth quarter of 2025, compared with RMB25.9 million for the same period of 2024. The decrease was mainly due to lower gains from a reduction in investment products. Income tax expense was RMB87.9 million (US$12.6 million) for the fourth quarter of 2025, compared with RMB133.1 million for the same period of 2024. This decrease was mainly due to the decrease in pre-tax profit. Net profit was RMB415.5 million (US$59.4 million) for the fourth quarter of 2025, compared with RMB680.8 million for the same period of 2024. Net profit attributable to ordinary shareholders of the Company was RMB424.7 million (US$60.7 million) for the fourth quarter of 2025, compared with RMB680.7 million for the same period of 2024. Diluted net profit per ADS was RMB1.63 (US$0.23) and diluted net profit per share was RMB0.33 (US$0.05) for the fourth quarter of 2025, compared with RMB2.61 and RMB0.52 for the same period of 2024, respectively. Non-GAAP diluted net profit per ADS was RMB1.77 (US$0.25) and non-GAAP diluted net profit per share was RMB0.35 (US$0.05) for the fourth quarter of 2025, compared with RMB2.74 and RMB0.55 for the same period of 2024, respectively. Each ADS represents five Class A ordinary shares of the Company. As of December 31, 2025, the Company had cash and cash equivalents of RMB 4,285.1 million (US$612.8 million) and short-term investments, mainly in wealth management products and term deposits, of RMB3,015.2 million (US$431.2 million). The following chart shows the historical cumulative 30-day plus past due delinquency rates by loan origination vintage for loan products facilitated through the Company's platform in China's Mainland as of December 31, 2025. Loans facilitated under the capital-light model, for which the Company does not bear principal risk, are excluded from the chart. Click here to view the chart. Fiscal Year 2025 Financial Results Net revenue for 2025 was RMB13,569.5 million (US$ 1,940.4 million), compared with RMB13,065.8 million in 2024. This increase was primarily due to increases in loan facilitation service fees, net interest income and other revenue, partially offset by decreases in guarantee income and post-facilitation service fees. Loan facilitation service fees were RMB5,176.5 million (US$740.2 million) for 2025, compared with RMB4,694.4 million in 2024. The increase was primarily due to increases in transaction volume and average rate of transaction service fees in the international markets, partially offset by the decreases in transaction volume and average rate of transaction service fees in the China market. Post-facilitation service fees were RMB1,629.8 million (US$233.1 million) for 2025, compared with RMB1,740.2 million in 2024. This decrease was primarily due to the rolling impact of deferred transaction fees. Guarantee income was RMB4,124.9 million (US$589.9 million) for 2025, compared with RMB5,085.3 million in 2024. This decrease was primarily due to the decrease in risk-bearing loans in the China market, partially offset by an increase in such loans in international markets, as well as the rolling impact of deferred guarantee income. The fair value of quality assurance commitment upon loan origination is released as guarantee income systematically over the term of the loans subject to quality assurance commitment. Net interest income was RMB1,336.5 million (US$191.1 million) for 2025, compared with RMB853.8 million in 2024. This increase mainly resulted from the increase in the average outstanding loan balances of on-balance sheet loans in both China and the international markets. Other revenue was RMB1,301.9 million (US$186.2 million) for 2025, compared with RMB692.1 million in 2024. This increase was primarily due to the increase in the contributions from other revenue streams including other value-added services. Origination, servicing expenses and other costs of revenue were RMB2,900.1 million (US$414.7 million) for 2025, compared with RMB2,381.8 million in 2024. This increase was primarily driven by higher facilitation costs in both China and international markets. Sales and marketing expenses were RMB2,200.5 million (US$314.7 million) for 2025, compared with RMB2,014.3 million in 2024 as a result of our more proactive customer acquisition efforts focusing on quality borrowers in both China and the international markets. Research and development expenses were RMB536.6 million (US$76.7 million) for 2025, compared with RMB496.7 million in 2024. This increase was primarily due to increased investments in technology development. General and administrative expenses were RMB442.1 million (US$63.2 million) for 2025, compared with RMB413.5 million in 2024, primarily due to increases in rents and renovation expenses, professional service fees and miscellaneous administrative expenses. Provision for accounts receivable and contract assets was RMB426.0 million (US$60.9 million) for 2025, compared with RMB317.0 million in 2024. The increase was primarily due to increased transaction volume of off-balance sheet loans in the international market. Provision for loans receivable was RMB637.7 million (US$91.2 million) for 2025, compared with RMB320.0 million in 2024. This increase was primarily due to the increase in the outstanding loan balance of on-balance sheet loans in both China and the international markets. Credit losses for quality assurance commitment were RMB3,462.4 million (US$495.1 million) for 2025, compared with RMB4,587.3 million in 2024. The decrease was primarily due to the decrease in risk-bearing loans in the China market, partially offset by the increase in risk-bearing loans in the international markets. Impairment of goodwill and intangible assets was RMB50.7 million (US$7.2 million) for 2025, compared with nil for the same period of 2024. The increase was primarily due to an impairment of goodwill related to a certain micro-lending company acquired by the Group in 2017, following a performance review during the year. Operating profit was RMB2,913.3 million (US$416.6 million) for 2025, compared with RMB2,535.1 million in 2024. Non-GAAP adjusted operating income, which excludes share-based compensation expenses before tax, was RMB3,062.3 million (US$437.9 million) for 2025, compared with RMB2,679.2 million in 2024. Other income was RMB188.1 million (US$26.9 million) for 2025, compared with RMB310.1 million in 2024. The decrease was mainly due to lower gains from a reduction in investment products, reduced income from investments, and the reduction in government subsidies. Income tax expense was RMB556.2 million (US$79.5 million) for 2025, compared with RMB457.4 million in 2024. This increase was mainly due to the increase in pre-tax profit and the increase in effective tax rate. Net profit was RMB2,545.2 million (US$364.0 million) for 2025, compared with RMB2,387.8 million in 2024. Net profit attributable to ordinary shareholders of the Company was RMB2,542.4 million (US$363.6 million) for 2025, compared with RMB2,383.1 million in 2024. Shares Repurchase Update and Management Purchase For the full year of 2025, the Company deployed approximately US$107.2 million to repurchase its own Class A ordinary shares in the form of ADSs. These repurchases included US$60.7 million worth of ADSs that were repurchased concurrently with the offering of convertible senior notes in June. As of December 31, 2025, in combination with the Company's historical and existing share repurchase programs, the Company had cumulatively repurchased its own Class A ordinary shares in the form of ADSs with a total aggregate value of approximately US$477.3 million since 2018. In December 2025, Chairman of the Board Mr. Shaofeng Gu and other senior management of the Company, purchased in their personal capacity approximately 0.37 million of the Company's ADS, with a total aggregate value of approximately US$1.9 million, independently of the Company's share repurchase programs. The share purchases by senior management reflect strong conviction in the Company's resilient business model, solid fundamentals, and accelerating international expansion. We believe these strengths, supported by the current valuation, position the Company well to execute its "Local Excellence, Global Outlook" strategy and deliver sustainable value to all stakeholders. Business Outlook Through prudent navigation of a complex environment, the Company delivered solid results in 2025. As a result of the near-term uncertainties introduced by recent regulatory changes in China, the Company expects its full-year 2026 total revenue guidance to be in the range of approximately RMB11.5 billion to RMB12.9 billion, representing a year-over-year decline of approximately 5% to 15%. The above forecast is based on the current market conditions and reflects the Company's current preliminary views and expectations on market and operational conditions and the regulatory and operating environment, as well as customers' and institutional partners' demands, all of which are subject to change. Conference Call The Company's management will host an earnings conference call at 8:30 PM U.S. Eastern Time on March 16, 2026 (8:30 AM Beijing/Hong Kong Time on March 17, 2026). Dial-in details for the earnings conference call are as follows: United States (toll free): +1-888-346-8982 Canada (toll free): +1-855-669-9657 International: +1-412-902-4272 Hong Kong, China (toll free): 800-905-945 Mainland, China: 400-120-1203 Participants should dial in at least five minutes before the scheduled start time and ask to be connected to the call for "FinVolution Group". Additionally, a live and archived webcast of the conference call will be available on the Company's investor relations website at https://ir.finvgroup.com. A replay of the conference call will be accessible approximately one hour after the conclusion of the live call until March 23, 2026, by dialing the following telephone numbers: United States / Canada (toll free): +1-855-669-9658 International: +1-412-317-0088 Replay Access Code: 9046716 About FinVolution Group FinVolution Group is a leading fintech platform with strong brand recognition across China and international markets, connecting borrowers of the young generation with financial institutions. Established in 2007, the Company is a pioneer in China's online consumer finance industry and has developed innovative technologies and has accumulated in-depth experience in the core areas of credit risk assessment, fraud detection, big data and artificial intelligence. The Company's platforms, empowered by proprietary cutting-edge technologies, features a highly automated loan transaction process, which enables a superior user experience. As of December 31, 2025, the Company had 239.6 million cumulative registered users across China and international markets. For more information, please visit https://ir.finvgroup.com Use of Non-GAAP Financial Measures We use non-GAAP adjusted operating income, non-GAAP operating margin, non-GAAP net profit, non-GAAP net profit attributable to FinVolution Group, and non-GAAP basic and diluted net profit per share and per ADS which are non-GAAP financial measures, in evaluating our operating results and for financial and operational decision-making purposes. We believe that these non-GAAP financial measures help identify underlying trends in our business by excluding the impact of share-based compensation expenses and expected discretionary measures. We believe that non-GAAP financial measures provide useful information about our operating results, enhance the overall understanding of our past performance and future prospects and allow for greater visibility with respect to key metrics used by our management in its financial and operational decision-making. Non-GAAP adjusted operating income, non-GAAP operating margin, non-GAAP net profit, non-GAAP net profit attributable to FinVolution Group, and non-GAAP basic and diluted net profit per share and per ADS are not defined under U.S. GAAP and are not presented in accordance with U.S. GAAP. These non-GAAP financial measures have limitations as analytical tool, and when assessing our operating performance, cash flows or our liquidity, investors should not consider it in isolation, or as a substitute for net income, cash flows provided by operating activities or other consolidated statements of operation and cash flow data prepared in accordance with U.S. GAAP. The Company encourages investors and others to review our financial information in its entirety and not rely on a single financial measure. For more information on this non-GAAP financial measure, please see the table captioned "Reconciliations of GAAP and Non-GAAP results" set forth at the end of this press release. Exchange Rate Information This announcement contains translations of certain RMB amounts into U.S. dollars at a specified rate solely for the convenience of the reader. Unless otherwise noted, all translations from RMB to U.S. dollars are made at a rate of RMB6.9931 to US$1.00, the rate in effect as of December 31, 2025 as certified for customs purposes by the Federal Reserve Bank of New York. Safe Harbor Statement This press release contains forward-looking statements. These statements constitute "forward-looking" statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident" and similar statements. Such statements are based upon management's current expectations and current market and operating conditions and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond the Company's control. Forward-looking statements involve risks, uncertainties and other factors that could cause actual results to differ materially from those contained in any such statements. Potential risks and uncertainties include, but are not limited to, uncertainties as to the Company's ability to attract and retain borrowers and investors on its marketplace, its ability to increase volume of loans facilitated through the Company's marketplace, its ability to introduce new loan products and platform enhancements, its ability to compete effectively, laws, regulations and governmental policies relating to the online consumer finance industry in China, general economic conditions in China, and the Company's ability to meet the standards necessary to maintain listing of its ADSs on the NYSE, including its ability to cure any non-compliance with the NYSE's continued listing criteria. Further information regarding these and other risks, uncertainties or factors is included in the Company's filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release, and FinVolution does not undertake any obligation to update any forward-looking statement as a result of new information, future events or otherwise, except as required under applicable law. For investor and media inquiries, please contact: In China:FinVolution GroupHead of Capital MarketsYam ChengTel: +86 (21) 8030-3200 Ext. 8601E-mail: ir@xinye.com Piacente Financial CommunicationsJenny CaiTel: +86 (10) 6508-0677E-mail: finv@tpg-ir.com In the United States:Piacente Financial CommunicationsBrandi PiacenteTel: +1-212-481-2050E-mail: finv@tpg-ir.com FinVolution Group UNAUDITED INTERIM CONDENSED CONSOLIDATED BALANCE SHEETS (All amounts in thousands, except share data, or otherwise noted) As of December 31, As of December 31, 2024 2025 RMB RMB USD Assets Cash and cash equivalents 4,672,772 4,285,121 612,764 Restricted cash 2,074,300 1,912,850 273,534 Short-term investments 2,832,382 3,015,226 431,172 Investments 1,173,003 1,141,816 163,278 Quality assurance receivable, net of credit loss allowance for quality assurance receivable of RMB426,949 and RMB 581,475 as of December 31, 2024 and December 31, 2025, respectively 1,639,591 1,315,184 188,069 Intangible assets 137,298 270,246 38,645 Property, equipment and software, net 623,792 641,316 91,707 Loans receivable, net of credit loss allowance for loans receivable of RMB226,467 and RMB 544,905 as of December 31, 2024 and December 31, 2025, respectively 4,157,621 6,471,619 925,429 Accounts receivable and contract assets, net of credit lossallowance for accounts receivable and contract assets of RMB290,267 and RMB 340,816 as of December 31, 2024 and December 31, 2025, respectively 2,405,880 2,028,585 290,084 Deferred tax assets 2,513,865 2,992,071 427,860 Right of use assets 36,826 52,020 7,439 Prepaid expenses and other assets 1,289,380 1,207,791 172,712 Goodwill 50,411 79,759 11,405 Total assets 23,607,121 25,413,604 3,634,098 Liabilities and Shareholders' Equity Deferred guarantee income 1,515,950 1,119,004 160,015 Liability from quality assurance commitment 2,964,116 2,574,842 368,198 Payroll and welfare payable 290,389 361,188 51,649 Taxes payable 705,928 177,064 25,320 Short-term borrowings 5,594 170,408 24,368 Funds payable to investors of consolidated trusts 796,122 778,531 111,328 Contract liability 10,185 226 32 Deferred tax liabilities 491,213 786,556 112,476 Accrued expenses and other liabilities 1,245,184 1,448,231 207,094 Leasing liabilities 28,765 44,711 6,394 Convertible senior notes - 1,019,266 145,753 Long-term borrowings - 89,590 12,811 Total liabilities 8,053,446 8,569,617 1,225,438 Commitments and contingencies FinVolution Group Shareholders' equity Ordinary shares 103 103 15 Additional paid-in capital 5,815,437 5,908,586 844,917 Treasury stock (1,765,542) (2,465,259) (352,527) Statutory reserves 852,723 1,042,312 149,049 Accumulated other comprehensive income 92,626 13,027 1,863 Retained Earnings 10,208,717 12,051,332 1,723,318 Total FinVolution Group shareholders' equity 15,204,064 16,550,101 2,366,635 Non-controlling interest 349,611 293,886 42,025 Total shareholders' equity 15,553,675 16,843,987 2,408,660 Total liabilities and shareholders' equity 23,607,121 25,413,604 3,634,098 FinVolution Group UNAUDITED INTERIM CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (All amounts in thousands, except share data, or otherwise noted) For the Three Months Ended December 31, For the Year Ended December 31, 2024 2025 2024 2025 RMB RMB USD RMB RMB USD Operating revenue: Loan facilitation service fees 1,344,799 848,943 121,397 4,694,380 5,176,457 740,224 Post-facilitation service fees 460,465 392,756 56,163 1,740,241 1,629,777 233,055 Guarantee income 1,205,502 948,461 135,628 5,085,296 4,124,934 589,858 Net interest income 217,927 471,922 67,484 853,779 1,336,459 191,111 Other Revenue 227,999 361,802 51,737 692,128 1,301,856 186,163 Net revenue 3,456,692 3,023,884 432,409 13,065,824 13,569,483 1,940,411 Operating expenses: Origination, servicing expenses and other cost of revenue (663,982) (847,318) (121,165) (2,381,839) (2,900,149) (414,716) Sales and marketing expenses (531,530) (512,448) (73,279) (2,014,254) (2,200,543) (314,673) Research and development expenses (126,257) (142,573) (20,388) (496,740) (536,617) (76,735) General and administrative expenses (112,570) (124,454) (17,797) (413,548) (442,148) (63,226) Provision for accounts receivable and contract assets (95,132) (106,405) (15,216) (317,049) (425,966) (60,912) Provision for loans receivable (64,346) (261,657) (37,416) (320,013) (637,700) (91,190) Credit losses for quality assurance commitment (1,074,955) (546,374) (78,130) (4,587,254) (3,462,384) (495,114) Impairment of goodwill and intangible assets - - - - (50,676) (7,247) Total operating expenses (2,668,772) (2,541,229) (363,391) (10,530,697) (10,656,183) (1,523,813) Operating profit 787,920 482,655 69,018 2,535,127 2,913,300 416,598 Other income, net 25,945 20,776 2,971 310,123 188,145 26,904 Profit before income tax expense 813,865 503,431 71,989 2,845,250 3,101,445 443,502 Income tax expenses (133,110) (87,904) (12,570) (457,405) (556,243) (79,542) Net profit 680,755 415,527 59,419 2,387,845 2,545,202 363,960 Less: Net profit/(loss) attributable to non-controlling interest shareholders 50 (9,186) (1,314) 4,699 2,797 400 Net profit attributable to FinVolution Group 680,705 424,713 60,733 2,383,146 2,542,405 363,560 Foreign currency translation adjustment, net of nil tax 28,205 (18,371) (2,627) 12,620 (79,599) (11,383) Total comprehensive income attributable to FinVolution Group 708,910 406,342 58,106 2,395,766 2,462,806 352,177 Weighted average number of ordinary shares used in computing net income per share Basic 1,266,235,809 1,240,449,252 1,240,449,252 1,287,853,207 1,259,849,521 1,259,849,521 Diluted 1,303,393,465 1,328,365,218 1,328,365,218 1,320,229,492 1,334,237,985 1,334,237,985 Net profit per share attributable to FinVolution Group's ordinary shareholders Basic 0.54 0.34 0.05 1.85 2.02 0.29 Diluted 0.52 0.33 0.05 1.81 1.92 0.27 Net profit per ADS attributable to FinVolution Group's ordinary shareholders (one ADS equal five ordinary shares) Basic 2.69 1.71 0.24 9.25 10.09 1.44 Diluted 2.61 1.63 0.23 9.03 9.59 1.37 FinVolution Group UNAUDITED INTERIM CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (All amounts in thousands, except share data, or otherwise noted) Three Months Ended December 31, Year Ended December 31, 2024 2025 2024 2025 RMB RMB USD RMB RMB USD Net cash provided by operating activities 419,707 464,913 66,482 2,893,160 1,867,600 267,064 Net cash used in investing activities (737,991) (330,241) (47,222) (2,295,816) (2,183,697) (312,263) Net cash provided by/(used in) financing activities 127,539 (530,864) (75,912) (622,715) (194,696) (27,841) Effect of exchange rate changes on cash and cash equivalents 5,407 (13,185) (1,888) 3,053 (38,308) (5,480) Net decrease in cash, cash equivalent and restricted cash (185,338) (409,377) (58,540) (22,318) (549,101) (78,520) Cash, cash equivalent and restricted cash at beginning of period 6,932,410 6,607,348 944,838 6,769,390 6,747,072 964,818 Cash, cash equivalent and restricted cash at end of period 6,747,072 6,197,971 886,298 6,747,072 6,197,971 886,298 FinVolution Group UNAUDITED Reconciliation of GAAP and Non-GAAP Results (All amounts in thousands, except share data, or otherwise noted) For the Three Months Ended December 31, For the Year Ended December 31, 2024 2025 2024 2025 RMB RMB USD RMB RMB USD Net Revenues 3,456,692 3,023,884 432,409 13,065,824 13,569,483 1,940,411 Less: total operating expenses (2,668,772) (2,541,229) (363,391) (10,530,697) (10,656,183) (1,523,813) Operating Income 787,920 482,655 69,018 2,535,127 2,913,300 416,598 Add: share-based compensation expenses 34,064 37,183 5,317 144,052 149,045 21,313 Non-GAAP adjusted operating income 821,984 519,838 74,335 2,679,179 3,062,345 437,911 Operating Margin 22.8 % 16.0 % 16.0 % 19.4 % 21.5 % 21.5 % Non-GAAP operating margin 23.8 % 17.2 % 17.2 % 20.5 % 22.6 % 22.6 % Non-GAAP adjusted operating income 821,984 519,838 74,335 2,679,179 3,062,345 437,911 Add: other income, net 25,945 20,776 2,971 310,123 188,145 26,904 Less: income tax expenses (133,110) (87,904) (12,570) (457,405) (556,243) (79,542) Non-GAAP net profit 714,819 452,710 64,736 2,531,897 2,694,247 385,273 Net profit/(loss) attributable to non-controlling interest shareholders 50 (9,186) (1,314) 4,699 2,797 400 Non-GAAP net profit attributable to FinVolution Group 714,769 461,896 66,050 2,527,198 2,691,450 384,873 Weighted average number of ordinary shares used in computing net income per share Basic 1,266,235,809 1,240,449,252 1,240,449,252 1,287,853,207 1,259,849,521 1,259,849,521 Diluted 1,303,393,465 1,328,365,218 1,328,365,218 1,320,229,492 1,334,237,985 1,334,237,985 Non-GAAP net profit per share attributable to FinVolution Group's ordinary shareholders Basic 0.56 0.37 0.05 1.96 2.14 0.31 Diluted 0.55 0.35 0.05 1.91 2.03 0.29 Non-GAAP net profit per ADS attributable to FinVolution Group's ordinary shareholders (one ADS equal five ordinary shares) Basic 2.82 1.86 0.27 9.81 10.68 1.53 Diluted 2.74 1.77 0.25 9.57 10.15 1.44
GRAND CAYMAN, Cayman Islands, March 16, 2026 (GLOBE NEWSWIRE) -- Pono Capital Four, Inc. (Nasdaq: PONO) (the “Company”), a newly organized special purpose acquisition company formed as a Cayman Islands exempted company, today announced the closing of its initial public offering of 12,000,000 units, at an offering price of $10.00 per unit, resulting in aggregate gross proceeds to the Company of $120,000,000. Each unit consists of one Class A ordinary share and one right (the “Share Right”) to receive one-fifth of one Class A ordinary share at the closing of the Company’s initial business combination. The units are listed on The Nasdaq Stock Market LLC (“Nasdaq”) and trade under the ticker symbol “PONOU”. Once the securities comprising the units begin separate trading, the Class A ordinary shares and the Share Rights are expected to be traded on Nasdaq under the symbols “PONO” and “PONOR,” respectively.
prnewswire_apac
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BEIJING, March 16, 2026 (GLOBE NEWSWIRE) -- KE Holdings Inc. ("Beike" or the "Company") (NYSE:BEKE, HKEX: 2423)), a leading integrated online and offline platform for housing transactions and services, today announced its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2025, and also announced a final cash dividend.Business and Financial Highlights for the Fourth Quarter and Fiscal Year 2025Gross transaction value (GTV)1 in 2025 was RMB3,183.3 billion (US$455.2 billion), a decrease of 5.0% year-over-year. GTV of existing home transactions was RMB2,151.5 billion (US$307.7 billion), a decrease of 4.2% year-over-year. GTV of new home transactions was RMB890.9 billion (US$127.4 billion), a decrease of 8.2% year-over-year.In the fourth quarter of 2025, GTV was RMB724.1 billion (US$103.6 billion), a decrease of 36.7% year-over-year. GTV of existing home transactions was RMB482.0 billion (US$68.9 billion), a decrease of 35.3% year-over-year. GTV of new home transactions was RMB207.0 billion (US$29.6 billion), a decrease of 41.7% year-over-year.Net revenues in 2025 were RMB94.6 billion (US$13.5 billion), an increase of 1.2% year-over-year.In the fourth quarter of 2025, net revenues were RMB22.2 billion (US$3.2 billion), a decrease of 28.7% year-over-year.Net income in 2025 was RMB2,991 million (US$428 million), a decrease of 26.7% year-over-year. Adjusted net income2 in 2025 was RMB5,017 million (US$717 million), a decrease of 30.4% year-over-year.In the fourth quarter of 2025, net income was RMB82 million (US$12 million), compared to RMB577 million in the same period of 2024. Adjusted net income was RMB517 million (US$74 million), a decrease of 61.5% year-over-year.Number of stores was 61,139 as of December 31, 2025, a 18.5% increase from one year ago. Number of active stores3 was 58,376 as of December 31, 2025, a 17.5% increase from one year ago.Number of agents was 523,009 as of December 31, 2025, a 4.6% increase from one year ago. Number of active agents4 was 445,632 as of December 31, 2025, relatively flat compared with one year ago.Mobile monthly active users (MAU)5 averaged 43.8 million in the fourth quarter of 2025, compared to 43.2 million in the same period of 2024.Mr. Stanley Yongdong Peng, Chairman of the Board and Chief Executive Officer of Beike, commented, "In 2025, in response to the profound evolution of residential service demands, we centered our efforts on customer value and drove a strategic upgrade toward efficiency-driven growth.In our home transaction services, we leveraged data and AI capabilities to reshape our service and business models, consistently enhancing the platform's professional service competencies and operational efficiency. In our home renovation and furnishing and home rental services, we focused on improving the quality of profitability and establishing sustainable, replicable operating models, bringing both businesses into a healthier stage of development.""Looking ahead, we believe that the true ability to navigate market cycles stems not from scale itself, but from the capacity to consistently create genuine value for consumers. In 2026, we will respond more profoundly to customer needs, building systematic service capabilities that span the residential lifecycle. Meanwhile, we will leverage AI technology to reconstruct our competitive moats, further amplifying the professional value of service providers and platform efficiency, and ultimately elevating the living experience for consumers through higher-quality services," concluded Mr. Peng.Mr. Tao Xu, Executive Director and Chief Financial Officer of Beike, added, "In 2025, we implemented a series of efficiency-enhancing initiatives focused on optimizing unit economics and the Company's cost structure, thereby strengthening the Company's operational resilience for the future. Despite a challenging market environment, the Company's net revenues grew by 1.2% year-over-year to RMB94.6 billion in 2025. Our cost and expense structure also improved: the contribution margin for new home transaction services increased by 0.2 percentage point year-over-year in 2025, while the contribution margin for existing home transaction services improved sequentially in the fourth quarter of 2025. Profitability for home renovation and furnishing, as well as home rental services, continued to progress, achieving a significant narrowing of loss and full-year profitability at the operating level, respectively. Operational efficiency also trended upward, with the ratio of operating expenses to net revenues decreasing by 1.4 percentage points year-over-year for the full year 2025.We remain steadfast in our commitment to rewarding shareholders through proactive capital allocation measures. In 2025, we have in aggregate repurchased shares with a total consideration of approximately US$921 million, representing a year-over-year increase of approximately 29%. Meanwhile, we are here to declare a final cash dividend, with an aggregate amount of approximately US$0.3 billion. Altogether, our total shareholder return for 2025 reached approximately US$1.2 billion, up over 9% year-over-year.Looking ahead, we will maintain prudent financial discipline and enhance resource allocation efficiency. While ensuring support for long-term strategic investments, we will continue to optimize our capital allocation structure to create sustainable, long-term value for our shareholders."Fourth Quarter 2025 Financial ResultsNet RevenuesNet revenues decreased by 28.7% to RMB22.2 billion (US$3.2 billion) in the fourth quarter of 2025 from RMB31.1 billion in the same period of 2024, primarily attributable to the high base of net revenues from new home and existing home transaction services, which is partially offset by the increase of net revenues from home rental services.Net revenues from existing home transaction services decreased by 39.0% to RMB5.4 billion (US$0.8 billion) in the fourth quarter of 2025 from RMB8.9 billion in the same period of 2024, primarily due to a high base effect for GTV of existing home transactions, which decreased by 35.3% to RMB482.0 billion (US$68.9 billion) in the fourth quarter of 2025 from RMB744.8 billion in the same period of 2024.Among that, (i) commission revenue decreased by 42.9% to RMB4.2 billion (US$0.6 billion) in the fourth quarter of 2025 from RMB7.4 billion in the same period of 2024, primarily due to a high base effect for GTV of existing home transactions served by Lianjia stores, which decreased by 43.0% to RMB177.6 billion (US$25.4 billion) in the fourth quarter of 2025 from RMB311.7 billion in the same period of 2024; and(ii) revenues derived from platform service, franchise service and other value-added services, which are mostly charged to connected stores and agents on the Company's platform, decreased by 19.9% to RMB1.2 billion (US$0.2 billion) in the fourth quarter of 2025 from RMB1.5 billion in the same period of 2024, primarily due to a high base effect for GTV of existing home transactions served by connected agents on the Company's platform in the same period of 2024, which decreased by 29.7% to RMB304.5 billion (US$43.5 billion) in the fourth quarter of 2025 from RMB433.2 billion in the same period of 2024.Net revenues from new home transaction services decreased by 44.5% to RMB7.3 billion (US$1.0 billion) in the fourth quarter of 2025 from RMB13.1 billion in the same period of 2024, primarily due to due to a high base effect for GTV of new home transactions in the same period of 2024, which decreased by 41.7% to RMB207.0 billion (US$29.6 billion) in the fourth quarter of 2025 from RMB355.3 billion in the same period of 2024. Of these, the GTV of new home transactions facilitated on Beike platform through connected agents, dedicated sales team with the expertise in new home transaction services and other sales channels decreased by 41.3% to RMB168.7 billion (US$24.1 billion) in the fourth quarter of 2025 from RMB287.5 billion in the same period of 2024, while the GTV of new home transactions served by Lianjia brand decreased by 43.5% to RMB38.3 billion (US$5.5 billion) in the fourth quarter of 2025 from RMB67.8 billion in the same period of 2024.Net revenues from home renovation and furnishing decreased by 12.0% to RMB3.6 billion (US$0.5 billion) in the fourth quarter of 2025 from RMB4.1 billion in the same period of 2024, as the Company proactively optimized the channel mix and moderated pace of certain non-brokerage channels.Net revenues from home rental services increased by 18.1% to RMB5.4 billion (US$0.8 billion) in the fourth quarter of 2025 from RMB4.6 billion in the same period of 2024, primarily attributable to the increase in the number of rental units under the Carefree Rent model, partially offset by the impact of an increasing proportion of a new product offering within the Carefree Rent business. Under the new model, the homeowners retain control over and beneficial interest in the properties, while the Company provides leasing agency services and lease term management services to both homeowners and tenants. Accordingly, under the new model, revenue is recognized based on net service fees derived from two sources: (1) commissions earned for facilitating the signing of lease agreements between homeowners and tenants; and (2) fees for lease term management services rendered throughout the lease period.Net revenues from emerging and other services were RMB459 million (US$66 million) in the fourth quarter of 2025, relatively flat compared with RMB439 million in the same period of 2024.Cost of RevenuesTotal cost of revenues decreased by 27.2% to RMB17.4 billion (US$2.5 billion) in the fourth quarter of 2025 from RMB24.0 billion in the same period of 2024.Commission – split. The Company's cost of revenues for commissions to connected agents and other sales channels decreased by 46.6% to RMB4.6 billion (US$0.7 billion) in the fourth quarter of 2025 from RMB8.7 billion in the same period of 2024, primarily due to the decrease in GTV of new home transactions facilitated through connected agents and other sales channels.Commission and compensation – internal. The Company's cost of revenues for internal commission and compensation decreased by 39.8% to RMB3.9 billion (US$0.6 billion) in the fourth quarter of 2025 from RMB6.5 billion in the same period of 2024, primarily attributable to the decrease in commission of Lianjia agents, consistent with the decreased GTV of existing and new home transactions they served by, as well as the decreased fixed personnel costs due to Company's disciplined headcount control.Cost of home renovation and furnishing. The Company's cost of revenues for home renovation and furnishing was RMB2.6 billion (US$0.4 billion) in the fourth quarter of 2025, a decrease of 10.8% from RMB2.9 billion in the same period of 2024, which was in line with the trend in net revenues from home renovation and furnishing.Cost of home rental services. The Company's cost of revenues for home rental services, which mainly consists of variable cost, increased by 10.9% to RMB4.8 billion (US$0.7 billion) in the fourth quarter of 2025 from RMB4.4 billion in the same period of 2024, primarily attributable to the growth of net revenues from home rental services, partially offset by an improved contribution margin resulting from an increasing proportion of the new product offering with a higher contribution margin under the Carefree Rent business, as well as enhanced operational efficiency.Cost related to stores. The Company's cost related to stores decreased by 9.6% to RMB0.7 billion (US$0.1 billion) in the fourth quarter of 2025 from RMB0.8 billion in the same period of 2024, primarily attributable to the Lianjia stores optimization.Other costs. The Company's other costs were RMB765 million (US$109 million) in the fourth quarter of 2025, relatively flat compared with RMB747 million in the same period of 2024.Gross ProfitGross profit decreased by 33.7% to RMB4.8 billion (US$0.7 billion) in the fourth quarter of 2025 from RMB7.2 billion in the same period of 2024. Gross margin decreased to 21.4% in the fourth quarter of 2025 from 23.0% in the same period of 2024, primarily due to reduced contribution of net revenues from existing home and new home transaction services, which historically carried higher contribution margins than the overall gross margin, partially offset by the increased contribution margin of home rental services.Income (Loss) from OperationsTotal operating expenses decreased by 20.4% to RMB4.9 billion (US$0.7 billion) in the fourth quarter of 2025 from RMB6.2 billion in the same period of 2024, primarily due to the Company's cost optimization initiatives.General and administrative expenses decreased by 23.9% to RMB2.3 billion (US$0.3 billion) in the fourth quarter of 2025 from RMB3.0 billion in the same period of 2024, primarily due to the Company's cost optimization initiatives, as well as the decrease in both the provision for credit losses and share-based compensation expenses.Sales and marketing expenses decreased by 17.7% to RMB1.9 billion (US$0.3 billion) in the fourth quarter of 2025 from RMB2.3 billion in the same period of 2024, primarily due to the Company's cost optimization initiatives, including lower personnel costs as well as reduced advertising and promotion expenses.Research and development expenses were RMB715 million (US$102 million) in the fourth quarter of 2025, relatively flat compared with RMB739 million in the same period of 2024.Loss from operations was RMB147 million (US$21 million) in the fourth quarter of 2025, compared to income from operations of RMB1,011 million in the same period of 2024. Operating margin decreased to negative 0.7% in the fourth quarter of 2025 from 3.2% in the same period of 2024, primarily due to the decreased gross profit margin, as well as certain one-off expenses related to the Company's cost optimization initiatives incurred in the fourth quarter of 2025.Adjusted income from operations6 was RMB323 million (US$46 million) in the fourth quarter of 2025, compared to RMB1,755 million in the same period of 2024. Adjusted operating margin7 was 1.5% in the fourth quarter of 2025, compared to 5.6% in the same period of 2024. Adjusted EBITDA8 was RMB910 million (US$130 million) in the fourth quarter of 2025, compared to RMB2,343 million in the same period of 2024.Net IncomeNet income was RMB82 million (US$12 million) in the fourth quarter of 2025, compared to RMB577 million in the same period of 2024.Adjusted net income decreased by 61.5% to RMB517 million (US$74 million) in the fourth quarter of 2025, from RMB1,344 million in the same period of 2024.Net Income attributable to KE Holdings Inc.'s Ordinary ShareholdersNet income attributable to KE Holdings Inc.'s ordinary shareholders was RMB88 million (US$13 million) in the fourth quarter of 2025, compared to RMB570 million in the same period of 2024.Adjusted net income attributable to KE Holdings Inc.'s ordinary shareholders9 was RMB523 million (US$75 million) in the fourth quarter of 2025, compared to RMB1,336 million in the same period of 2024.Net Income per ADSBasic and diluted net income per ADS attributable to KE Holdings Inc.'s ordinary shareholders10 were RMB0.08 (US$0.01) and RMB0.08 (US$0.01) in the fourth quarter of 2025, respectively, compared to basic and diluted net income per ADS attributable to KE Holdings Inc.'s ordinary shareholders RMB0.51 and RMB0.49 in the same period of 2024, respectively.Adjusted basic and diluted net income per ADS attributable to KE Holdings Inc.'s ordinary shareholders11 were RMB0.48 (US$0.07) and RMB0.46 (US$0.07) in the fourth quarter of 2025, respectively, compared to RMB1.19 and RMB1.14 in the same period of 2024, respectively.Cash, Cash Equivalents, Restricted Cash and Short-Term InvestmentsAs of December 31, 2025, the combined balance of the Company's cash, cash equivalents, restricted cash and short-term investments amounted to RMB55.5 billion (US$7.9 billion).Fiscal Year 2025 Financial ResultsNet RevenuesNet revenues were RMB94.6 billion (US$13.5 billion) in 2025, compared to RMB93.5 billion in 2024, primarily attributable to the increase of net revenues from home rental services and home renovation and furnishing, which was partially offset by the decrease of net revenues from new home and existing home transaction services.Net revenues from existing home transaction services decreased by 11.3% to RMB25.0 billion (US$3.6 billion) in 2025 from RMB28.2 billion in 2024. GTV of existing home transactions decreased by 4.2% to RMB2,151.5 billion (US$307.7 billion) in 2025 from RMB2,246.5 billion in 2024. The steeper decline in net revenues relative to GTV in existing home transaction services was primarily attributable to a higher contribution from GTV of existing home transaction services served by connected agents on the Company's platform, for which revenue is recorded on a net basis from platform service, franchise service and other value-added services, while for GTV served by Lianjia brand, the revenue is recorded on a gross commission revenue basis.Among that, (i) commission revenue decreased by 13.5% to RMB20.0 billion (US$2.9 billion) in 2025, from RMB23.1 billion in 2024, primarily due to the decreased GTV of existing home transactions served by Lianjia stores of 12.7% to RMB802.1 billion (US$114.7 billion) in 2025 from RMB918.5 billion in 2024; and(ii) revenues derived from platform service, franchise service and other value-added services, which are mostly charged to connected stores and agents on the Company's platform, were RMB5.0 billion (US$0.7 billion) in 2025, relatively stable compared with RMB5.1 billion in 2024, while GTV of existing home transactions served by connected agents on the Company's platform increased by 1.6% to RMB1,349.4 billion (US$193.0 billion) in 2025 from RMB1,328.0 billion in 2024.Net revenues from new home transaction services decreased by 9.1% to RMB30.6 billion (US$4.4 billion) in 2025 from RMB33.7 billion in 2024, primarily due to the decrease of GTV of new home transactions of 8.2% to RMB890.9 billion (US$127.4 billion) in 2025 from RMB970.0 billion in 2024. Of these, the GTV of new home transactions facilitated on Beike platform through connected agents, dedicated sales team with the expertise in new home transaction services and other sales channels decreased by 7.0% to RMB729.2 billion (US$104.3 billion) in 2025 from RMB784.4 billion in 2024, and the GTV of new home transactions served by Lianjia brand decreased by 12.9% to RMB161.6 billion (US$23.1 billion) in 2025 from RMB185.6 billion in 2024.Net revenues from home renovation and furnishing increased by 4.4% to RMB15.4 billion (US$2.2 billion) in 2025 from RMB14.8 billion in 2024.Net revenues from home rental services increased by 52.8% to RMB21.9 billion (US$3.1 billion) in 2025 from RMB14.3 billion in 2024, primarily attributable to the increase in the number of rental units under the Carefree Rent model, partially offset by a shift in revenue recognition mix resulting from an increasing proportion of the new product offering within the Carefree Rent business.Net revenues from emerging and other services were RMB1.6 billion (US$0.2 billion) in 2025, compared to RMB2.5 billion in 2024.Cost of RevenuesTotal cost of revenues increased by 5.5% to RMB74.4 billion (US$10.6 billion) in 2025 from RMB70.5 billion in 2024.Commission – split. The Company's cost of revenues for commissions to connected agents and other sales channels decreased by 8.3% to RMB20.9 billion (US$3.0 billion) in 2025, from RMB22.8 billion in 2024, primarily due to the decrease in GTV of new home transactions facilitated through connected agents and other sales channels.Commission and compensation – internal. The Company's cost of revenues for internal commission and compensation decreased by 6.6% to RMB17.7 billion (US$2.5 billion) in 2025 from RMB18.9 billion in 2024, primarily due to the decrease in commission of home transaction services for Lianjia agents, resulting from the decreased GTV of home transactions they served by.Cost of home renovation and furnishing. The Company's cost of revenues for home renovation and furnishing increased by 3.4% to RMB10.6 billion (US$1.5 billion) in 2025 from RMB10.2 billion in 2024, which was in line with the growth of net revenues from home renovation and furnishing.Cost of home rental services. The Company's cost of revenues for home rental services which mainly consists of variable costs, increased by 47.0% to RMB20.0 billion (US$2.9 billion) in 2025 from RMB13.6 billion in 2024, primarily attributable to the growth of net revenues from home rental services, partially offset by an improved contribution margin resulting from an increasing proportion of the new product offering with a higher contribution margin under the Carefree Rent business, as well as enhanced operational efficiency.Cost related to stores. The Company's cost related to stores was RMB2.9 billion (US$0.4 billion) in 2025, relatively flat compared with RMB2.9 billion in 2024.Other costs. The Company's other costs were RMB2.4 billion (US$0.3 billion) in 2025, compared with RMB2.1 billion in 2024, primarily attributable to the increase in the direct technical infrastructure costs such as cloud storage costs.Gross ProfitGross profit decreased by 11.9% to RMB20.2 billion (US$2.9 billion) in 2025 from RMB22.9 billion in 2024. Gross margin decreased to 21.4% in 2025 from 24.6% in 2024, primarily due to (a) reduced contribution of net revenues from existing home and new home transaction services, which historically carried higher contribution margins than the overall gross margin and (b) a drop in contribution margin of existing home transaction services, which was primarily due to the increase in fixed compensation costs for Lianjia agents. The decline in gross margin was partially offset by the increased contribution margin of home rental services.Income from OperationsTotal operating expenses decreased by 5.6% to RMB18.1 billion (US$2.6 billion) in 2025 from RMB19.2 billion in 2024.General and administrative expenses decreased by 9.9% to RMB8.1 billion (US$1.2 billion) in 2025, from RMB9.0 billion in 2024, primarily due to the decrease in share-based compensation expenses and provision for credit losses.Sales and marketing expenses decreased by 5.8% to RMB7.3 billion (US$1.0 billion) in 2025 from RMB7.8 billion in 2024, primarily due to the Company's cost optimization initiatives, including lower personnel costs as well as reduced advertising and promotion expenses.Research and development expenses increased by 13.0% to RMB2.6 billion (US$0.4 billion) in 2025 from RMB2.3 billion in 2024, primarily due to the increased personnel costs.Income from operations was RMB2,111 million (US$302 million) in 2025, compared to RMB3,765 million in 2024. Operating margin decreased to 2.2% in 2025 from 4.0% in 2024, primarily due to the decreased gross profit margin, partially offset by the improved operating leverage.Adjusted income from operations12 was RMB4,250 million (US$608 million) in 2025, compared to RMB6,890 million in 2024. Adjusted operating margin13 was 4.5% in 2025, compared to 7.4% in 2024. Adjusted EBITDA14 was RMB6,877 million (US$983 million) in 2025, compared to RMB9,534 million in 2024.Net IncomeNet income was RMB2,991 million (US$428 million) in 2025, compared to RMB4,078 million in 2024.Adjusted net income decreased by 30.4% to RMB5,017 million (US$717 million) in 2025, from RMB7,211 million in 2024.Net Income attributable to KE Holdings Inc.'s Ordinary ShareholdersNet income attributable to KE Holdings Inc.'s ordinary shareholders was RMB2,994 million (US$428 million) in 2025, compared to RMB4,065 million in 2024.Adjusted net income attributable to KE Holdings Inc.'s ordinary shareholders15 was RMB5,020 million (US$718 million) in 2025, compared to RMB7,198 million in 2024.Net Income per ADSBasic and diluted net income per ADS attributable to KE Holdings Inc.'s ordinary shareholders16 were RMB2.70 (US$0.39) and RMB2.59 (US$0.37) in 2025, respectively, compared to RMB3.58 and RMB3.45 in 2024, respectively.Adjusted basic and diluted net income per ADS attributable to KE Holdings Inc.'s ordinary shareholders17 were RMB4.53 (US$0.65) and RMB4.34 (US$0.62) in 2025, respectively, compared to RMB6.33 and RMB6.10 in 2024, respectively.Share Repurchase ProgramAs previously disclosed, the Company established a share repurchase program in August 2022 and upsized and extended it in August 2023, August 2024 and August 2025, under which the Company may purchase up to US$5 billion of its Class A ordinary shares and/or ADSs until August 31, 2028, subject to obtaining general unconditional mandate for the repurchase from the shareholders of the Company at each of the next three annual general meetings to be held in the forthcoming years to continue its share repurchase after the expiry of the existing share repurchase mandate granted by the annual general meeting held on June 27, 2025. As of December 31, 2025, the Company in aggregate has purchased approximately 159.3 million ADSs (representing approximately 477.8 million Class A ordinary shares) on the New York Stock Exchange with a total consideration of approximately US$2,546.5 million under this share repurchase program since its launch.Final Cash DividendThe Company is pleased to announce that its board of directors (the "Board") has approved a final cash dividend (the "Dividend") of US$0.092 per ordinary share, or US$0.276 per ADS, to holders of ordinary shares and holders of ADSs of record as of the close of business on April 8, 2026, Beijing/ Hong Kong Time and New York Time, respectively, payable in U.S. dollars. The aggregate amount of the Dividend to be paid will be approximately US$0.3 billion, which will be funded by cash surplus on the Company's balance sheet.For holders of ordinary shares, in order to qualify for the Dividend, all valid documents for the transfer of shares accompanied by the relevant share certificates must be lodged for registration with the Company's Hong Kong share registrar, Computershare Hong Kong Investor Services Limited, at Shops 1712-1716, 17th Floor, Hopewell Centre, 183 Queen's Road East, Wanchai, Hong Kong no later than 4:30 p.m. on April 8, 2026 (Beijing/Hong Kong Time). Dividend to be paid to the Company's ADS holders through the depositary bank will be subject to the terms of the deposit agreement. The payment date is expected to be on or around April 21, 2026 for holders of ordinary shares, and on or around April 24, 2026 for holders of ADSs.Under the Company's current dividend policy, the Board has discretion on whether to distribute dividends, subject to certain requirements of Cayman Islands law. In addition, the Company's shareholders may by ordinary resolution declare a dividend, but no dividend may exceed the amount recommended by the Board. If the Company decides to pay dividends, the form, frequency and amount will be based upon its future operations and earnings, capital requirements and surplus, general financial condition, contractual restrictions and other factors that the Board may deem relevant.Conference Call InformationThe Company will hold an earnings conference call at 8:00 A.M. U.S. Eastern Time on Monday, March 16, 2026 (8:00 P.M. Beijing/Hong Kong Time on Monday, March 16, 2026) to discuss the financial results.For participants who wish to join the conference call using dial-in numbers, please complete online registration using the link provided below at least 20 minutes prior to the scheduled call start time. Dial-in numbers, passcode and unique access PIN would be provided upon registering.Participant Online Registration:English Line: https://s1.c-conf.com/diamondpass/10052404-g5f4d3.htmlChinese Simultaneous Interpretation Line (listen-only mode): https://s1.c-conf.com/diamondpass/10052407-e3f4ch.htmlA replay of the conference call will be accessible through March 23, 2026, by dialing the following numbers:United States:+1-855-883-1031Mainland, China:400-1209-216Hong Kong, China:800-930-639International:+61-7-3107-6325Replay PIN (English line):10052404Replay PIN (Chinese simultaneous interpretation line):10052407 A live and archived webcast of the conference call will also be available at the Company's investor relations website at https://investors.ke.com.Exchange Rate This press release contains translations of certain RMB amounts into U.S. dollars ("US$") at specified rates solely for the convenience of the reader. Unless otherwise stated, all translations from RMB to US$ were made at the rate of RMB6.9931 to US$1.00, the noon buying rate in effect on December 31, 2025, in the H.10 statistical release of the Federal Reserve Board. The Company makes no representation that the RMB or US$ amounts referred could be converted into US$ or RMB, as the case may be, at any particular rate or at all. For analytical presentation, all percentages are calculated using the numbers presented in the financial information contained in this earnings release.Non-GAAP Financial Measures The Company uses adjusted income (loss) from operations, adjusted net income (loss), adjusted net income (loss) attributable to KE Holdings Inc.'s ordinary shareholders, adjusted operating margin, adjusted EBITDA and adjusted net income (loss) per ADS attributable to KE Holdings Inc.'s ordinary shareholders, each a non-GAAP financial measure, in evaluating its operating results and formulating its business plan. Beike believes that these non-GAAP financial measures help identify underlying trends in the Company's business that could otherwise be distorted by the effect of certain expenses that the Company includes in its net income (loss). Beike also believes that these non-GAAP financial measures provide useful information about its results of operations, enhance the overall understanding of its past performance and future prospects and allow for greater visibility with respect to key metrics used by its management in formulating its business plan. A limitation of using these non-GAAP financial measures is that these non-GAAP financial measures exclude share-based compensation expenses that have been, and will continue to be for the foreseeable future, a significant recurring expense in the Company's business. The Group recognized fair value loss and impairment in relation to its investments in Beihaojia business. As such impairment does not represent a non-recurring item, it has not been excluded when calculating Non‐GAAP financial measures.The presentation of these non-GAAP financial measures should not be considered in isolation or construed as an alternative to gross profit, net income (loss) or any other measure of performance or as an indicator of its operating performance. Investors are encouraged to review these non-GAAP financial measures and the reconciliation to the most directly comparable GAAP measures. The non-GAAP financial measures presented here may not be comparable to similarly titled measures presented by other companies. Other companies may calculate similarly titled measures differently, limiting their usefulness as comparative measures to the Company's data. Beike encourages investors and others to review its financial information in its entirety and not rely on a single financial measure. Adjusted income (loss) from operations is defined as income (loss) from operations, excluding (i) share-based compensation expenses, (ii) amortization of intangible assets resulting from acquisitions and business cooperation agreement, and (iii) impairment of goodwill, intangible assets and other long-lived assets. Adjusted operating margin is defined as adjusted income (loss) from operations as a percentage of net revenues. Adjusted net income (loss) is defined as net income (loss), excluding (i) share-based compensation expenses, (ii) amortization of intangible assets resulting from acquisitions and business cooperation agreement, (iii) changes in fair value from long-term investments, loan receivables measured at fair value and contingent consideration, (iv) impairment of goodwill, intangible assets and other long-lived assets, (v) impairment of investments, and (vi) tax effects of the above non-GAAP adjustments. Adjusted net income (loss) attributable to KE Holdings Inc.'s ordinary shareholders is defined as net income (loss) attributable to KE Holdings Inc.'s ordinary shareholders, excluding (i) share-based compensation expenses, (ii) amortization of intangible assets resulting from acquisitions and business cooperation agreement, (iii) changes in fair value from long-term investments, loan receivables measured at fair value and contingent consideration, (iv) impairment of goodwill, intangible assets and other long-lived assets, (v) impairment of investments, (vi) tax effects of the above non-GAAP adjustments, and (vii) effects of non-GAAP adjustments on net income (loss) attributable to non-controlling interests shareholders. Adjusted EBITDA is defined as net income (loss), excluding (i) income tax expense, (ii) share-based compensation expenses, (iii) amortization of intangible assets, (iv) depreciation of property, plant and equipment, (v) interest income, net, (vi) changes in fair value from long-term investments, loan receivables measured at fair value and contingent consideration, (vii) impairment of goodwill, intangible assets and other long-lived assets, and (viii) impairment of investments. Adjusted net income (loss) per ADS attributable to KE Holdings Inc.'s ordinary shareholders is defined as adjusted net income (loss) attributable to KE Holdings Inc.'s ordinary shareholders divided by weighted average number of ADS outstanding during the periods used in calculating adjusted net income (loss) per ADS, basic and diluted.Please see the "Unaudited reconciliation of GAAP and non-GAAP results" included in this press release for a full reconciliation of each non-GAAP measure to its respective comparable GAAP measure.About KE Holdings Inc. KE Holdings Inc. is a leading integrated online and offline platform for housing transactions and services. The Company is a pioneer in building infrastructure and standards to reinvent how service providers and customers efficiently navigate and complete housing transactions and services in China, ranging from existing and new home sales, home rentals, to home renovation and furnishing, and other services. The Company owns and operates Lianjia, China's leading real estate brokerage brand and an integral part of its Beike platform. With more than 24 years of operating experience through Lianjia since its inception in 2001, the Company believes the success and proven track record of Lianjia pave the way for it to build its infrastructure and standards and drive the rapid and sustainable growth of Beike.Safe Harbor StatementThis press release contains statements that may constitute "forward-looking" statements pursuant to the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "aims," "future," "intends," "plans," "believes," "estimates," "likely to," and similar statements. Among other things, the quotations from management in this press release, as well as Beike's strategic and operational plans, contain forward-looking statements. Beike may also make written or oral forward-looking statements in its periodic reports to the U.S. Securities and Exchange Commission (the "SEC") and The Stock Exchange of Hong Kong Limited (the "Hong Kong Stock Exchange"), in its annual report to shareholders, in press releases and other written materials and in oral statements made by its officers, directors or employees to third parties. Statements that are not historical facts, including statements about KE Holdings Inc.'s beliefs, plans, and expectations, are forward-looking statements. Forward-looking statements involve inherent risks and uncertainties. A number of factors could cause actual results to differ materially from those contained in any forward-looking statement, including but not limited to the following: Beike's goals and strategies; Beike's future business development, financial condition and results of operations; expected changes in the Company's revenues, costs or expenditures; Beike's ability to empower services and facilitate transactions on Beike platform; competition in the industry in which Beike operates; relevant government policies and regulations relating to the industry; Beike's ability to protect the Company's systems and infrastructures from cyber-attacks; Beike's dependence on the integrity of brokerage brands, stores and agents on the Company's platform; general economic and business conditions in China and globally; and assumptions underlying or related to any of the foregoing. Further information regarding these and other risks is included in KE Holdings Inc.'s filings with the SEC and the Hong Kong Stock Exchange. All information provided in this press release is as of the date of this press release, and KE Holdings Inc. does not undertake any obligation to update any forward-looking statement, except as required under applicable law.For more information, please visit: https://investors.ke.com.For investor and media inquiries, please contact:In China:KE Holdings Inc.Investor RelationsSiting LiE-mail: <a href="mailto:
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/CNW/ - Surge Energy Inc. ("Surge" or the "Company") (TSX: SGY) confirms that a cash dividend to be paid on April 15, 2026, in respect of March 2026...
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Most technology decisions begin with capability. Can the system scale? Is it secure? Will it work with what we already use?Last month, Anthropic CEO Dario Amodei sat down with CBS News after the US government labeled his company a supply chain risk. The dispute focused on two uses Anthropic declined to support in its contract with the Pentagon: domestic mass surveillance and fully autonomous weapons without human control.Those cases made up only two percent of use cases. Yet they carried more weight in the company’s decision. Explaining the choice, Amodei said, “We believe that crossing those red lines is contrary to American values, and we wanted to stand up for American values.”That comment shifts the frame.When an AI provider draws a moral line, it sends a message. AI systems are shaped by their training data, tuning choices and safety rules. They reflect decisions about what is allowed. When organizations build on those systems, they accept those limits.This is no longer abstract. AI now affects identity checks, fraud alerts, automated tasks, customer interactions and reporting across the enterprise. As these tools move into core business work, their outputs shape real results.Technology leaders have always made tradeoffs. Encryption reflects risk tolerance. Access controls reflect trust. Data policies reflect compliance goals. AI simply makes those choices easier to see.The question for IT and security leaders is simple: When your systems act on AI output, whose values guide the outcome?As AI becomes part of core operations, that question becomes one of leadership.The illusion of neutral AISeveral years ago, I advised IT leaders in Washington State as they modernized their identity and access management systems. A major component involved evaluating vendors’ biometric capabilities. Accuracy and integration mattered. What required even greater scrutiny was bias.Our teams conducted extensive due diligence on how vendors trained and tuned their biometric models, how error rates varied across demographics and how those outcomes aligned with the state’s legal obligations and commitment to digital equity. Washington had already established a clear framework. HB 1493 (RCW 19.375) restricted commercial enrollment of biometric identifiers without notice and consent. And in April 2023, Governor Jay Inslee signed the My Health My Data Act into law, reinforcing privacy protections under the leadership of Chief Privacy Officer Katy Ruckle.There was no tolerance for biometric systems operating without oversight and making automated access decisions. Not because the technology lacked utility, but because its impact on citizens could disproportionately impact minorities, be difficult to explain or unwind.That experience makes something clear. AI is never neutral. Bias is embedded in training data, alignment tuning, safety constraints and access policies. Some providers go further and declare explicit moral baselines. For enterprise leaders, this carries a direct implication. Vendor choice is a governance choice. The architecture you approve encodes assumptions about fairness, accountability and acceptable risk. Those assumptions become operational reality the moment the system goes live.AI is artificial — and still stochasticGenerative AI and AI systems are built on probability. They produce results based on prediction, not certainty. That makes them useful for exploration, pattern finding and brainstorming. It is less reassuring when accuracy is mission critical and decisions affect citizens, customers or national security.Uncertainty is not a temporary flaw. It is part of how these systems work. Models can be tuned and guided, but variation remains. The risk is that clean dashboards and confident language hide that uncertainty. Leaders see polished results and assume precision.At the same time, regulators expect the opposite. Laws in Europe (E.g., EU AI Act) and several U.S. states are raising the bar for reliability, clarity and disclosure. Organizations are expected to explain how systems work and how confident they are in the results. High-stakes decisions require more than fast answers. They require traceable inputs and visible limits.At the Washington Digital Government Summit, state CIO Bill Kehoe put it simply: “AI innovation must be risk-averse and transparent.” He stressed strong data foundations, privacy by design and honoring opt-outs to maintain public trust.The tension is clear. We are handing serious decisions to systems that still operate on probability.From artificial to verified intelligenceAI generates plausible answers that sound correct. Verified Intelligence demands evidence. The difference matters most when decisions carry real impact.It makes little sense to separate intelligence from its source. Leaders need to know where conclusions come from, what data shaped them and whether they fit the business context. Context defines risk and consequence.Verified Digital Twins reflect a broader shift. Insight should require clear sources, defined limits and explicit confidence levels. As AI moves deeper into daily operations, the focus must shift from speed to clarity. Fast answers are not enough. Leaders need results they can explain and stand behind.IBM recently identified verifiable AI as one of its top AI trends for 2026. That reflects a growing expectation from regulators and boards that AI-driven decisions be explainable and defensible.Responsible AI conversations that lead to consequential decisions now hinge on four foundational pillars of Verified Intelligence:Grounding: Anchored to a real entity and decision contextScope: Explicit limits on authorityProvenance: Traceable reasoning and data lineageDrift awareness: Visibility into uncertainty and stalenessAI can generate insight. Verified Intelligence ensures leaders remain accountable for what follows.Disciplined AI deployment and leverageMost AI use cases bring small gains, or no gains at all. A small group delivers outsized impact. That same group often carries the most risk.For executive teams, the first discipline is categorization. Place AI use cases into one of three groups: speed enhancers, decision support and automated decisions. Speed enhancers improve efficiency but don’t always change outcomes. Decision support use cases guide how people act. Automated decisions trigger action on their own. The further you move toward automation, the more oversight you need.High-impact use cases usually sit close to revenue protection, fraud detection, uptime and customer trust. They also pose the greatest harm if bias, drift or weak data go unchecked. At this level, human review and clear escalation paths are essential.To avoid AI sprawl, build controls not only around models but around data. Knowing where data comes from and how it is used is critical. OASIS is advancing work on data provenance standards to strengthen traceability, alongside frameworks such as the NIST Cyber AI Profile released in December 2025.Framework alignment is table stakes. Clear Acceptable Use standards are leadership. Put in writing what AI may do, what it may not do and where human judgment is required. Build those standards into design reviews, vendor selection and procurement. If AI becomes core infrastructure, oversight must be built in as well.The executive questionControls and oversight matter. They are not the full story.For CIOs and IT leaders, this is about survival and results. AI now shapes revenue, customer experience, risk scoring, fraud alerts and daily operations. Decisions that once required human review now happen at machine speed. When those systems fail, the damage is real.Stopping at compliance is tempting. It offers a checklist and a sense of safety. Doing less can look like an optimization. Both create hidden risk. Laws set the floor. Markets set the penalty.The question leaders must face is simple: What does the business lose if we get this wrong?Revenue can slip through weak decisions. Trust can vanish after one public mistake. Regulators can shift from guidance to enforcement to penalties. Small system errors can grow fast when machines act at scale.AI is not just another wave of technology. It magnifies both strength and weakness. When guided by clear values and sound judgment, it strengthens the company. When poorly managed, it spreads risk faster than most leaders expect.Architectural implications for 2026In the same interview, Amodei added another pointed comment: “We are a private company... We can choose to sell or not sell whatever we want. There are other providers.”That remark goes beyond business strategy. It reminds us that philosophy comes first. Philosophy shapes policy. Policy shapes economics. And economics shapes the tools we use. By the time software is released, a worldview is already built into it.As you continue the AI conversation in 2026, the focus must shift from novelty to design thinking. The right response is not panic. It is clear thinking.That clarity shows up in how and what you build.It requires deliberate choices:Preserve optionality across providersLoosely couple AI componentsAbstract model dependencies behind controlled interfacesMaintain clear human accountability for consequential decisionsDesign systems that assume vendor positions, policies and boundaries can changeThis is not paranoia. It is disciplined execution in a rapidly shifting landscape.We are all AI philosophers now. Not because we wanted to be, but because the architecture we approve reflects the values we accept. And if it fails, responsibility will not belong to the model. It will belong to us.This article is published as part of the Foundry Expert Contributor Network.Want to join?
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Global Quantum Dots Market Size, Share, Trends & Segmentation Analysis, By Component, Type, Technology, Application, Industry, and Region | Forecasts 2035
oilprice
REalloys (NASDAQ: ALOY) built something that barely exists anywhere in the Western world — a rare earth supply chain that doesn’t touch China at any step. Japan figured out decades ago why that matters. The U.S. is just realizing it in 2026. Japan’s response to China’s rare earth processing monopoly was decisive. The Japanese government built strategic stockpiles of processed rare earth materials. On top of that, individual Japanese companies quietly built their own reserves — covering years of supply each. Combined,...
inc
Detail’s iPad and iPhone app is designed to help small businesses easily edit podcasts and social media videos.
postandcourier
Abandoned crab traps become “ghost gear,” continuing to catch and kill sea life after they’re no longer tended by their owner. The SCDNR wants help recording their location.
fastcompany
As Anthropic and OpenAI duke it out with Pentagon matters, Cowork capabilities, and model launches, it’s important to remember that technology is not the goal. It is a means to an end. Its value comes from helping people solve daily problems and giving them one less thing to think about—on a global scale. However, people must first realize there’s a problem and understand how technology can solve it before AI can make a meaningful difference.When things click, it’s always a matter of consumer education, which leads to expanded adoption, which in turn leads to society-wide impact (in that order). Each step can happen swiftly—or take months or years to complete.This pattern—education first, adoption next, transformation last—repeats across sectors. It’s also a tale as old as (human) time. The lesson from past cycles like the cloud and mobile web: The best AI-powered systems won’t be the ones with the highest investment totals or most bells and whistles; they’ll be the ones with tech that unceremoniously makes real-world processes faster, cleaner, cheaper, and more resilient. Technology adoption at scale isn’t an overnight phenomenon; it’s a signal that technology has crossed a threshold from curiosity about “the new thing” to daily driver. AI has tremendous potential, but we in the tech world have lost the plot on making this matter for real people. I’ve been fortunate enough to see this cycle play out a few times in my career. For example, when I worked on the first iPhone, it was impossible to predict a future powered by dating apps, ride-sharing, mobile payments, or social media. Now, it’s hard to remember a time before we could run our lives through our phones. Our breakthrough was delivering an ecosystem once the tech was powerful enough and the world was ready. Because of the backbone we created, new platforms emerged that allow people to leave their wallets at home and conveniently pay via their phones, or tap a button to get a ride. Once consumers realized the power and ease of solving real-world problems with a swipe or tap of their fingertips, adoption took off like wildfire.The same principle was true when we built the first Nest thermostat. From the beginning, the goal was to apply technology to make energy more efficient, from both a capacity and cost standpoint, for households and regular people. We talked about building AI-powered devices that could understand human behavior and adapt accordingly. We had the vision, but needed AI to advance in order to make progress technologically possible and developmentally practical.For example, a popular, seemingly humble feature like package detection on a Nest doorbell camera took nearly a year to develop. The models were heavy. The hardware was constrained. The development cycles were long. We were crawling toward a clear goal with hundreds of hurdles in our way.By the time we perfected computer vision over the course of more than a year, consumers understood the problem that Nest was solving and how adopting the system would help them reduce utility costs while using energy more efficiently. It was at this point that the transformation at scale could—and did—happen.But it takes more to scale meaningfully than shipping innovation and pushing updates to consumer devices. You need to combine the latest technology with the level of consumer interest to solve the problems we face on a daily basis.At Mill—the food recycler company I now run—we started by focusing on households, helping people manage food scraps and deliver them back into the food system, one kitchen at a time. That phase mattered. Education that leads to behavior change always comes first. People must realize there’s a system-wide problem and understand why it exists before tech can help solve it. Food waste, for example, is an industrial problem. Grocery stores discard millions of pounds of food every day. Behind every supermarket is a loading dock crowded with dumpsters and compactors that are consuming space, energy, and labor—and these valuable resources end up getting sent to a purgatory of methane production.Developing an enterprise-grade, AI-powered food waste system at Mill, and seeing it adopted by major players like Amazon and Whole Foods Market, is a signal that we’ve entered a new phase. It’s clear that reducing food waste isn’t just about nudging individual habits. It’s not just about putting last night’s lasagna in the right bin. It’s about removing entire classes of waste from the system. Artificial intelligence makes that possible—not because it’s flashy, but because it’s finally reliable, affordable, and fast enough to operate at scale in the physical world. With the iPhone, smart devices like Nest, and now AI, perspective matters. But above all else, tech leaders need to keep in mind that we must be solving real problems—not generating tech for tech’s sake. Progress in this physical era of AI requires logic and restraint as much as ambition. Fortunately, we’ve been here before. The internet was speculated to become a Wild West of lawless virtual worlds and digital avatars. It became a functional tenant of digital society, grounded by email, maps, commerce, and communication—mundane tools that solved ordinary problems at an unprecedented scale.The story of AI’s next chapter is steeped in precedent. Hype will fade. Models will commoditize. Launches will grow quieter. What we’ll hopefully be left with are AI-powered systems that work to solve everyday problems while improving life in the physical world, rather than distracting from it.
miamiherald
Jenny Li (left) is studying computer science in Boston, and Helen Gomez (right) accepted a cybersecurity position in Washington, D.C. Both are part of a growing number of young professionals building their futures outside South Florida.
LONDON, March 16, 2026 (GLOBE NEWSWIRE) -- Willis, a WTW business (NASDAQ: WTW), today announced the continued expansion of its GB Affinity technology ecosystem through a strategic partnership with Qover, a European leader in embedded insurance orchestration.
philstar
The Filipino teachers recently flew to Japan for the first deaf arts festival.
hollywoodreporter
Kenya-Jade Pinto‘s film, premiering at CPH:DOX in Copenhagen, goes inside “a global black box of migration, surveillance and control.”
cision
Unified platform speeds ordering, improves accuracy and delivers real-time visibility so dealers work smarter and farmers get critical parts faster. DULUTH, Ga., March 16, 2026 /PRNewswire/ -- AGCO (NYSE: AGCO) announced today that its AGCO Parts Shop B2B Digital Technology Team won the...
newsweek
"I think that the new leadership under Mojtaba might be willing to take more risks," a former Israeli official told Newsweek.
Designed to support phased data centre delivery without burdening Ireland's national grid, the 110MW microgrid solution will ease energy constraints and help accelerate cloud and AI deployments The first-of-its-kind in Europe, this scalable energy solution complements long–term grid...
LONDON, March 16, 2026 – Stolt-Nielsen Limited (Oslo Børs: SNI), through its subsidiary Stolt-Nielsen Gas Ltd., has today announced that it has entered into a share purchase agreement to sell 50% of Avenir LNG Limited (Avenir LNG) to Nippon Yusen Kabushiki Kaisha (NYK Line). Avenir LNG was founded in 2017 and has grown into a leading player in the liquefied natural gas (LNG) bunkering sector, operating a global fleet of LNG bunker vessels.
ARLINGTON, Va,--(BUSINESS WIRE)--CoStar Group, Inc. (NASDAQ: CSGP), a leading provider of online real estate marketplaces, information, analytics, and 3D digital twin technology in the property markets, today announced that Nana Banerjee has been appointed as a new independent member of the Company’s Board of Directors (the “Board”), effective immediately. With this appointment, the Board expands to nine directors, eight of whom are independent. Nana Banerjee brings more than two decades of exp
dtnext
The initiative will be further expanded under the Centre of Excellence in Artificial Intelligence for Education, known as Bodhan AI, recently awarded by the Ministry of Education, Government of India
computerweekly
The AMD Epyc and Instinct-powered Dell hardware will deliver 6.74 exaflops to power digital twins to support nuclear fusion research
ttnews
Transtex has acquired assets of trailer aerodynamics supplier FleetAero from Knight-Swift Transportation Holdings and has entered into a strategic partnership with the truckload carrier.
thestar_my
Many foreign websites were blocked Friday on mobile phones in central Moscow under restrictions that have gripped the Russian capital for more than a week, derailing the routine of millions of residents and slamming businesses that rely on cellphone internet. Read full story
Catalysis in a new light: Microscale interactions could enhance clean energy technologies Technology Org
straitstimes
He will attend a guard of honour welcome ceremony and be hosted by Japanese PM Sanae Takaichi to a working dinner.
norfolkdailynews
Independent research firm recognises Market Logic Software among notable vendors BERLIN, DE / ACCESS Newswire / March
norfolkdailynews
At the World Agri-Tech Innovation Summit, Syngenta, a global leader in agricultural innovation, today announced it is