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Articles by Richard Johnson
How AI will shape the future of banking
Short-term The finance sector’s immediate focus is on boosting productivity across different processes with artificial intelligence. A recent study by PWC found that by 2030, generative AI will have helped to increase global GDP by 26 per cent. Earlier this year, Westpac conducted an in-house experiment to understand whether integrating generative AI would improve productivity and experience for the bank’s engineers.
Learn and earn with NEAR ⚡️
Now, alongside our other crypto courses, you can learn about NEAR. It's the developer-friendly blockchain aiming to ‘decentralise’ the internet – where people, not corporations, control their privacy, assets, and data. Keep reading to find out how you can learn and earn tokens while you’re at it. Cryptocurrencies are volatile and not regulated or protected by investor compensation schemes – value can go down or up. Trading may be subject to tax. Fees payable and minimum investments apply.
How to track employee spending easily with Expenses
The Hunt for the Missing Money: a monthly feature playing in your accounting software and spreadsheets. Picture it – accountants and finance teams grimacing over who spent what, and where? Meanwhile, employees sweat as they desperately dig into their wallets, purses, and bags to find old receipts to reconcile. Collecting accurate spending information from your team isn’t only tedious, but challenging.
Navigate your business to fast payments and low-cost currencies
Is it time to ditch cash? If your business is travel, to be nimble means having fast access to digital payment solutions, world currencies, and cutting down on unnecessary fees. Having the right tools at your side in an industry fraught with volatility can make the difference between just surviving, and thriving.
For retailers navigating a slowing economy, data is key
Westpac’s data shows that prior to lockdowns in 2019, 31 per cent of consumer spending was done online. That number shot up to 39 per cent during the quarter to September 2021. While much of this shift seems to have persisted, it’s been interesting to watch the categories that have seen a return to in-person purchases, as consumers preference the sensory advantage of ‘brick and mortar’ stores.
Getting AI right needs more than a legal lens
I'm sure you know this feeling. You've had an over-the-fence chat with your neighbour about how much you love their Pomeranian pooches, then, suddenly, your social media feeds are swamped with ads and videos featuring Pomeranians. If you actually do love Pomeranians, how good is that? But for many of us, this seemingly magical and unsolicited connectivity can still feel a little bit creepy. Of course, it's unlikely to be a coincidence.
BOARD WALK: Audette Exel on zeitgeist shifts, data versus ideology and what’s next
From early roots as a social activist, Exel tells Westpac Wire her entry into business came when she realised she “needed to learn about power and capital” given its impact on human rights. After studying law and practicing as a solicitor, she went on to become the managing director of Bermuda Commercial Bank and Chair of Bermuda Stock Exchange before founding Adara Group in 1998 with a mission to improve the lives of people living in poverty around the world.
“Climate positive” coffee gives drinkers an extra buzz
Kua delivers to its business clients in reusable drums, collects all the spent coffee grounds for recycling, and uses compostable packaging for home deliveries. Kua has also developed a comprehensive ethical sourcing tool to ensure farmers earn a profitable and sustainable income from its purchases. “We do something really unique in the industry - we pay up front for our coffee,” Kerr says.
House Bill 741 florida legislature rooftop solar utility tax ron desantis
The general store is the quintessential American small business. Even in today’s world of big box retailers, I’m proud that our 112-year-old family business, Bailey’s General Store, is still thriving as a cornerstone of the communities of Sanibel and Captiva. One of the reasons we’ve survived is our rooftop solar panels, at 380 panels it is the largest installation in town. The electric bill for my small business used to be up to $25,000 per month.
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