Stuart Mills
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Articles by Stuart Mills
Want to cut your energy bills? Here’s how five experts are doing it
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Want to cut your energy bills? Here’s how five experts are doing it Original
Rising prices are putting pressure on people to try and use less energy. But what are the most effective ways of cutting bills? We asked five experts for their practical advice. 1. Insulate your home Upgrading loft insulation to current standards, typically 27–30cm thick for mineral wool, improves energy efficiency, comfort and long-term cost savings. It acts as a thermal barrier, as up to 25% of a home’s heat can escape . Installing cavity wall insulation in older homes improves efficiency by .
What could burst the AI bubble?
Analysis: As tech firms soar in value, there are now warnings of a possible rapid correction due to concerns about how realistic such valuations actually are By Richard Whittle, University of Salford and Stuart Mills, University of Leeds Some of the world's biggest tech firms have soared in value over the last year.
Millions will get a windfall over car finance. Research helps us understand what they’ll do with it
MJTH/Shutterstock Millions of motorists across the UK could be in line for payments of around £700 after car dealers mis-sold finance to earn commission. Finance providers stand to lose billions compensating consumers after the scandal. The UK regulator, the Financial Conduct Authority (FCA), recently announced that lenders must compensate buyers who took out finance for a new or secondhand car. Millions paid more than they should have because of secret fees paid by lenders to dealerships.
Millions will get a windfall over car finance. Research helps us understand what they’ll do with it
By Stuart Mills, Assistant Professor of Economics, University of Leeds Millions of motorists across the UK could be in line for payments of around £700 after car dealers mis-sold finance to earn commission. Finance providers stand to lose billions compensating consumers after the scandal. The UK regulator, the Financial Conduct Authority (FCA), recently announced that lenders must compensate buyers who took out finance for a new or secondhand car.
Millions will get a windfall over car finance. Research helps us understand what they’ll do with it Original
Millions of motorists across the UK could be in line for payments of around £700 after car dealers mis-sold finance to earn commission. Finance providers stand to lose billions compensating consumers after the scandal. The UK regulator, the Financial Conduct Authority (FCA), recently announced that lenders must compensate buyers who took out finance for a new or secondhand car. Millions paid more than they should have because of secret fees paid by lenders to dealerships.
Millions will get a windfall over car finance. Research helps us understand what they’ll do with it
Millions of motorists across the UK could be in line for payments of around £700 after car dealers mis-sold finance to earn commission. Finance providers stand to lose billions compensating consumers after the scandal. The UK regulator, the Financial Conduct Authority (FCA), recently announced that lenders must compensate buyers who took out finance for a new or secondhand car. Millions paid more than they should have because of secret fees paid by lenders to dealerships.
What could burst the AI bubble?
Some of the world's biggest tech firms have soared in value over the last year. As AI evolves at pace, there are hopes that it will improve lives in ways that people could never have imagined a decade ago—in sectors as diverse as health care, employment and scientific discovery. OpenAI is now worth US$500 billion (£373 billion), compared with US$157 billion last October. Another firm, Anthropic, has almost trebled its valuation.
What could burst the AI bubble? - Asia Times
Some of the world’s biggest tech firms have soared in value over the last year. As AI evolves at pace, there are hopes that it will improve lives in ways that people could never have imagined a decade ago – in sectors as diverse as healthcare, employment and scientific discovery. OpenAI is now worth US$500 billion, compared with $157 billion last October. Another firm, Anthropic, has almost trebled its valuation.
What could burst the AI bubble?
Some of the world’s biggest tech firms have soared in value over the last year. As AI evolves at pace, there are hopes that it will improve lives in ways that people could never have imagined a decade ago – in sectors as diverse as healthcare, employment and scientific discovery. OpenAI is now worth US$500 billion (£373 billion), compared with US$157 billion last October. Another firm, Anthropic, has almost trebled its valuation.
OpenAI looks to online advertising deal - AI-driven ads will be hard for consumers to spot
2 days7 days30 daysBy Industry Show more Advertise your job vacancies Making AI quicker, smarter and better is proving to be a very expensive business. Companies like OpenAI are investing billions of dollars in hardware, and the likes of Meta are offering top (human) talent huge salaries for their expertise. So perhaps it’s no surprise that these businesses have started exploring new ways of making money as well as spending it.
OpenAI looks to online advertising deal
Making AI quicker, smarter and better is proving to be a very expensive business. Companies like OpenAI are investing billions of dollars in hardware, and the likes of Meta are offering top (human) talent huge salaries for their expertise. So perhaps it’s no surprise that these businesses have started exploring new ways of making money as well as spending it.
OpenAI looks to online advertising deal. AI-driven ads will be hard for consumers to spot
Making AI quicker, smarter and better is proving to be a very expensive business. Companies like OpenAI are investing billions of dollars in hardware, and the likes of Meta are offering top (human) talent huge salaries for their expertise. So perhaps it's no surprise that these businesses have started exploring new ways of making money as well as spending it.
OpenAI looks to online advertising deal - AI-driven ads will be hard for consumers to spot
By Stuart Mills, Assistant Professor of Economics, University of Leeds Making AI quicker, smarter and better is proving to be a very expensive business. Companies like OpenAI are investing billions of dollars in hardware, and the likes of Meta are offering top (human) talent huge salaries for their expertise. So perhaps it’s no surprise that these businesses have started exploring new ways of making money as well as spending it. OpenAI,… Read complete article © The Conversation -
OpenAI looks to online advertising deal - AI-driven ads will be hard for consumers to spot
Making AI quicker, smarter and better is proving to be a very expensive business. Companies like OpenAI are investing billions of dollars in hardware, and the likes of Meta are offering top (human) talent huge salaries for their expertise. So perhaps it’s no surprise that these businesses have started exploring new ways of making money as well as spending it.
ROCK & GEM FIELD GUIDE: Peridot
Rock&Gem Magazine | August 2025 Peridot is the bright green gem-quality variety of the mineral forsterite, a magnesium silicate. Large, Faceted Peridot 764 carats Both are commonly referred to as “olivine,” which is intended to refer to samples with a composition between forsterite and fayalite (an iron silicate). While many gemstones can be found in multiple colors, peridot occurs in shades that range from yellow-green to olive or brownish-green.
How ‘nudge’ happened: the political economy of nudging in the UK
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DeepSeek: what you need to know about the Chinese firm disrupting the AI landscape Original
Before January 27 2025, it’s fair to say that Chinese tech company DeepSeek was flying under the radar. And then it came dramatically into view. Suddenly, everyone was talking about it – not least the shareholders and executives at US tech firms like Nvidia, Microsoft and Google, which all saw their company values tumble thanks to the success of this AI startup research lab. Founded by a successful Chinese hedge fund manager, the lab has taken a different approach to artificial intelligence.
Public Administration Review | ASPA Journal | Wiley Online Library
Behavioral biases may occur because of environmental circumstances, so some behavioral findings may support more interventionist policy responses. Interventions which seek to alleviate the impact of environmental circumstances (being-good policies) are consistent with liberal principles and behavioral findings. Libertarian paternalist interventions (doing-good policies) may be a sufficient response to behavioral biases when more coercive policy approaches create policymaking uncertainty.
Analysis of performance in English women’s domestic Twenty20 cricket
ABSTRACT Cricket has progressed over the years to adapt to crowd demands to increase levels of excitement, hence the introduction of Twenty20 (T20) cricket. The purpose of this paper was to identify the key variables that impact winning and to investigate if there are differences between men’s and women’s cricket. Primary research collected match data from scorecards of all 26 games of an English women’s T20 regional competition.
Tech Firms Like To Make Canceling Subscriptions Infuriatingly Hard - But Regulators Are Starting To Crack Down
By Richard Whittle, University of Salford and Stuart Mills, University of Leeds Imagine your favorite author has a new book coming out, and your local bookshop is offering to deliver it to you for free on publication day. All you have to do in return is sign up to their new “reading club”. This involves a monthly fee, for which you receive a new book, chosen by them, every week. You can cancel at any time by visiting the store. It seems like a great deal – until you keep forgetting to cancel.
Tech firms like to make cancelling subscriptions infuriatingly hard - but regulators are starting to crack down
Categories Applied Institute for Research in Economics Dr Stuart Mills is a lecturer in economics at Leeds University Business School. His research interests include: behavioural economics, nudge theory, artificial intelligence, behavioural public policymaking, digital economy, and economic philosophy. Dr Richard Whittle is a University Fellow at Salford Business School. He is an economist working at the intersection of Artificial Intelligence, behavioural science and decision-making.
Tech firms like to make cancelling subscriptions infuriatingly hard, but regulators are starting to crack down
Imagine your favorite author has a new book coming out, and your local bookshop is offering to deliver it to you for free on publication day. All you have to do in return is sign up to their new "reading club". This involves a monthly fee, for which you receive a new book, chosen by them, every week. You can cancel at any time by visiting the store. It seems like a great deal—until you keep forgetting to cancel. Books arrive that you don't read, money keeps being paid out of your account.
Tech firms like to make cancelling subscriptions infuriatingly hard - but regulators are starting to crack down
Imagine your favourite author has a new book coming out, and your local bookshop is offering to deliver it to you for free on publication day. All you have to do in return is sign up to their new “reading club”. This involves a monthly fee, for which you receive a new book, chosen by them, every week. You can cancel at any time by visiting the store. It seems like a great deal – until you keep forgetting to cancel. Books arrive that you don’t read, money keeps being paid out of your account.
Hey Devs 👋 I wanted to share a project called Thank John with you all. Inspired by John McCarthy (the guy who coined “Artificial Intelligence” back in the 50s), Thank John is a free platform where developers and tech enthusiasts can explore, share, and find AI tools in one place. If you’re working on an AI tool, you can submit it for free to reach a wider audience of developers, businesses, and curious users. Why Thank John?
Unlocking the Power of AI for Businesses and Developers with Thank John
Stuart Mills · Follow 2 min read · -- Artificial Intelligence (AI) is transforming industries, from enhancing customer experiences to driving operational efficiencies. However, as more AI tools flood the market, finding reliable and relevant tools has become a challenge for both businesses and developers. Enter Thank John — a platform inspired by John McCarthy, the “father of AI,” designed to simplify and streamline AI discovery. Why Thank John?
‘Meme stock’ investors are trying to catch up with a financial system which has left them behind - new research Original
The US stock market early in August 2024 as fears rose of an economic slowdown. Then a few days later calm was restored, reminding us how quickly things can change in the financial world. And of all the market rises and falls, one type of stock has become particularly volatile. Known as “meme stocks”, they are shares that gain viral popularity with large numbers of investors through social media.
‘Meme stock’ investors are trying to catch up with a financial system which has left them behind
This article was originally posted on The Conversation. <p>The US stock market <a href="https://www.bbc.co.uk/news/articles/c7202xvpwn5o#:%7E:text=Stock%20markets%20were%20hit%20by%20a%20global%20sell-off,and%20Amazon%2C%20after%20the%20companies%20reported%20disappointing%20results.">took a tumble</a> early in August 2024 as fears rose of an economic slowdown. Then a few days later calm was restored, reminding us how quickly things can change in the financial world.
Millions will get a windfall over car finance. Research helps us understand what they’ll do with it
Millions of motorists across the UK could be in line for payments of around £700 after car dealers mis-sold finance to earn commission. Finance providers stand to lose billions compensating consumers after the scandal. The UK regulator, the Financial Conduct Authority[1] (FCA), recently announced that lenders must compensate buyers[2] who took out finance for a new or secondhand car. Millions paid more than they should have because of secret fees paid by lenders to dealerships.
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Deceptive choice architecture and behavioral audits: A principles‐based approach
1 Introduction Regulators are increasingly concerned about the uses of behavioral science to create deceptive websites and online applications. The Biden Administration has committed to tackling “junk fees”—deceptive designs that hide additional fees—as have the Federal Trade Commission (FTC; Deese et al., 2022; FTC, 2022a).
Shein, Temu Settle Rival Lawsuits Amid U.S. Expansions
Shein and Temu appear to have settled a two-pronged legal clash that pitted the two Chinese e-commerce rivals against one another in court in the U.S. In joint stipulations of voluntary dismissal, Shein and Temu alerted a federal court in Massachusetts and Illinois that they have stipulated to dismiss the two cases – albeit without prejudice, bringing an end to Shein’s trademark counterfeiting, trademark dilution, and copyright infringement lawsuit against Temu, as well as to Temu’s case, in...
Valentino Beats Racial Discrimination, Retaliation Case
Valentino has beaten a case accusing it of discriminating and retaliating against a former employee on the basis of race by not promoting her to a supervisor position and issuing her a “formal warning” following her alleged failure to abide by company policy.
Initial Public Offerings and the Impact of Intangible Assets
The pace of initial public offerings hit a “new low” in the second quarter of 2023, according to S&P Global, “as central banks around the world tightened monetary policies, pushing costs to unattractive levels for potential investors.” Despite efforts by the U.S. Federal Reserve and other central banks to fight “persistently high inflation with higher interest rates, after keeping them near zero during much of the pandemic,” companies are not rushing to go public due to the high cost of...
A Tracker of Retail Industry Initial Public Offerings
The pace of initial public offerings in retail and beyond hit a “new low” in the second quarter of 2023, according to S&P Global, “as central banks around the world tightened monetary policies, pushing costs to unattractive levels for potential investors.” Despite efforts by the U.S. Federal Reserve and other central banks to fight “persistently high inflation with higher interest rates, after keeping them near zero during much of the pandemic,” companies are not rushing to go public due to...
How Co. Strive to Keep Consumers' Money, Data
Have you ever signed up for a free trial of an online service, decided it is not for you, but still ended up paying for it months – or even years – later? Or tried cancelling a subscription, and found yourself giving up during the painstaking process? If so, there is a good chance you have encountered “dark patterns” – or clever tricks built into apps and websites to encourage you to do things you may not necessarily want to do.
Dark patterns …
Have you signed up to an online service for a free trial, decided it isn’t for you, but still ended up paying for it months – or even years – later? Or tried cancelling a subscription, and found yourself giving up during the painstaking process? If so, there’s a good chance you have encountered a “dark pattern”. Dark patterns are clever tricks built into apps and websites to encourage you to do things you may not necessarily want to do.
Dark patterns: How online companies strive to keep your money and data when you try to leave
Have you signed up to an online service for a free trial, decided it isn't for you, but still ended up paying for it months—or even years—later? Or tried cancelling a subscription, and found yourself giving up during the painstaking process? If so, there's a good chance you have encountered a "dark pattern." Dark patterns are clever tricks built into apps and websites to encourage you to do things you may not necessarily want to do.
Dark patterns: how online companies strive to keep your money and data when you try to leave Original
Have you signed up to an online service for a free trial, decided it isn’t for you, but still ended up paying for it months – or even years – later? Or tried cancelling a subscription, and found yourself giving up during the painstaking process? If so, there’s a good chance you have encountered a “dark pattern”. Dark patterns are clever tricks built into apps and websites to encourage you to do things you may not necessarily want to do.
Dark patterns: how online companies strive to keep your money and data when you try to leave
Dr Stuart Mills is a Lecturer in Economics at Leeds University Business School. His research interests include behavioural economics, nudge theory, Artificial Intelligence, behavioural public policymaking, digital economy, and economic philosophy. Dr Richard Whittle is a University Fellow at the University of Salford. His research investigates AI and human behaviours, online decision-making, dark patterns and consumer understanding. This article first appeared on The Conversation.
When Hordes of Little AI Chatbots Are More Useful Than Giants Like ChatGPT Original
AI is developing rapidly. ChatGPT has become the fastest-growing online service in history. Google and Microsoft are integrating generative AI into their products. And world leaders are excitedly embracing AI as a tool for economic growth. As we move beyond ChatGPT and Bard, we’re likely to see AI chatbots become less generic and more specialized.
In future, we’ll see fewer generic AI chatbots like ChatGPT and more specialised ones that are tailored to our needs
Training AI systems with more focused data sets can target them to a specific use… AI technology is developing rapidly. ChatGPT has become the fastest-growing online service in history. Google and Microsoft are integrating generative AI into their products. And world leaders are excitedly embracing AI as a tool for economic growth. As we move beyond ChatGPT and Bard, we’re likely to see AI chatbots become less generic and more specialised.
In future, we'll see more specialized AI bots that are tailored to our needs
AI technology is developing rapidly. ChatGPT has become the fastest-growing online service in history. Google and Microsoft are integrating generative AI into their products. And world leaders are excitedly embracing AI as a tool for economic growth. As we move beyond ChatGPT and Bard, we’re likely to see AI chatbots become less generic and more specialized.
In the future, we'll see fewer generic AI chatbots like ChatGPT and more specialized ones that are tailored to our needs
AI technology is developing rapidly. ChatGPT has become the fastest-growing online service in history. Google and Microsoft are integrating generative AI into their products. And world leaders are excitedly embracing AI as a tool for economic growth. As we move beyond ChatGPT and Bard, we're likely to see AI chatbots become less generic and more specialized.
In future, we'll see fewer generic AI chatbots like ChatGPT and more specialised ones that are tailored to our needs
By Stuart Mills, Assistant Professor of Economics, University of Leeds AI technology is developing rapidly. ChatGPT has become the fastest-growing online service in history. Google and Microsoft are integrating generative AI into their products. And world leaders are excitedly embracing AI as a tool for economic growth. As we move beyond ChatGPT and Bard, we’re likely to see AI chatbots become less generic and more specialised.
In future, we'll see fewer generic AI chatbots like ChatGPT and more specialised ones that are tailored to our needs Original
AI technology is developing rapidly. ChatGPT has become the fastest-growing online service in history. Google and Microsoft are integrating generative AI into their products. And world leaders are excitedly embracing AI as a tool for economic growth. As we move beyond ChatGPT and Bard, we’re likely to see AI chatbots become less generic and more specialised.
What is Nudge Theory? Why This 15-Year-Old Idea is Still Controversial Original
It’s been 15 years since a particular concept of behavioral science went mainstream. “Nudge theory,” the notion that our behavior can be successfully influenced through “soft” interventions, has subsequently appealed to plenty of people seeking to change the way we live. The 2008 book which set out the idea — Nudge: Improving Decisions about Health, Wealth and Happiness — sold more than 2 million copies. But its influence went way beyond sales figures.
Pre-clinical validation of a pan-cancer CAR-T cell immunotherapy targeting nfP2X7 - Nature Communications
Abstract Chimeric antigen receptor (CAR)-T cell immunotherapy is a novel treatment that genetically modifies the patients’ own T cells to target and kill malignant cells. However, identification of tumour-specific antigens expressed on multiple solid cancer types, remains a major challenge.
Nudge theory: What 15 years of research tells us about its promises and politics
It's been 15 years since a particular concept of behavioral science went mainstream. "Nudge theory", the notion that our behavior can be successfully influenced through "soft" interventions, has subsequently appealed to plenty of people seeking to change the way we live. The 2008 book which set out the idea—Nudge: Improving Decisions about Health, Wealth and Happiness—sold more than 2 million copies. But its influence went way beyond sales figures.
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