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The past year was a landmark for AI proliferation, with sweeping implications for virtually every area of business and life. But with progress came peril. We saw cyberattacks explode in number and sophistication, outmaneuvering legacy security defenses to create record damage. These trends will only accelerate from here, and its not enough for teams to simply brace for impact. Instead, organizations must anticipate whats ahead and reimagine their security stacks, thinking about how to preempt attacks and optimizing their workflows. Thinking about cybersecurity in the new year, its critical to have a clear vision and get to work fast to meet the moment. Here are three trends to watch. 1. Eyes on the evolving threat landscape In 2026, the mass personalization of cyberattacks will disrupt the classical kill chain model, which relies on observing and then reacting to stop threats. Attackers will leverage AI to understand business’s unique vulnerabilities and craft personalized, novel software for each enterprise. This means every organization will see a massive rise in sophisticated, tailored attacks that are not known to the majority of their current security tools, pitting them in a race against time to spot the attack and respond before sustaining widespread damage. Adding AI to reactive tools will help, but will be woefully insufficient to counter this new onslaught. Instead, this shift will require security teams to develop wholly new approaches to preemptively mitigate and avoid these highly personalized threats. AI will also lead to the development of malware that can adapt and evade defensive measures, posing a significant threat to cybersecurity teams. These make it less likely that the novel attacks mentioned above will be detected before they can do large scale damage. AI-powered, autonomous malware will be capable of changing code and behavior to avoid detection, making it harder for security systems to identify and neutralize it. The emergence of autonomous malware will mark a new era in cyberthreats, where AI-driven attacks become increasingly sophisticated and resilient and put further stress on existing security solutions that rely on a detect and respond model to be effective. Compounding these threats, the problem of deepfakes will significantly worsen. The proliferation of deepfakes will increase misinformation and social engineering, leading to major breaches and higher success rates for scams and theft. As AI technology advances, the creation of realistic deepfakes will become easier and more widespread. This will result in a proliferation of fake videos and audio recordings that can be used to deceive individuals and organizations, undermining trust and security. This will coincide and often be combined with a new generation of AI-driven email, text and social media-based attacks. These attacks are tailored to individuals and nearly indistinguishable from legitimate communication, enabling highly personalized, real-time social-engineering campaigns. Relying on humans as a last line of defense has long been a tenuous approach. Against threats this advanced, that approach collapses. Modern security demands automated, adaptive defenses that remove the burden from individuals. 2. Protect an expanding attack surface IoT and IT devices (networking and security infrastructure) will become a bigger target for attacks due to the ease of creating and deploying attacks against them. The proliferation of smart devices in businesses and homes presents an opportunity for attackers to get persistent footholds from which they can pivot and launch attacks or wreak havoc and create disruption of operations. Bespoke and out of date networking and security infrastructure likewise will be exploited as AI can readily adapt attackers for different operating systems and software levels. With AI, it will be much more attractive for cybercriminals to develop and execute attacks on these devices, leading to an increase in security incidents. AI itself is becoming one of the most attractive parts of the attack surface to exploit. Attacks on AI will increase dramatically, leading to significant data leaks and business process disruption. As AI gains ever wider adoption and is interwoven into all aspects of enterprise software, AI’s autonomous nature will be co-opted to enable the AI to function much like a human insider threat, where the internal AI models elevated access rights will be leveraged in large scale breaches. Robust security measures are needed to protect the rapidly expanding AI attack surface. 3. Cybercrime-as-a-service hits its stride The era when a cybercriminals reach was constrained by their technical skill is long gone. Today, an AI-driven underground economy is reshaping the threat landscape, empowering financially motivated actors with unprecedented capabilities. These adversaries no longer need deep expertise; they can tap into a growing ecosystem of ready-made services, ranging from exploit kits and ransomware-as-a-service platforms to stolen credential marketplaces and initial access brokers. Looking ahead to 2026, this cybercrime-as-a-service model is expected to reach new heights of sophistication. AI tools will enable even inexperienced attackers to execute complex, multi-stage campaigns with alarming precision. As a result, the traditional line between opportunistic hackers and highly organized cybercrime syndicates will continue to blur, driving both the scale and complexity of financially motivated attacks to levels weve never seen before. Its time to reimagine cybersecurity considering the changes well continue to see in 2026. The world’s pre-AI reactive model of security will not work in an AI-first attacker world. Simply adding AI to these legacy tools will give a false since of comfort in the face of the onslaught that is coming. This is an illusion of improved security that will be painfully exposed in 2026. Enterprises need to think differently in a post-AI world about cybersecurity, transforming from a reactive posture into a preemptive strategy that anticipates rather than reacts to attackers. Scott Harrell is CEO of Infoblox.
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E-Commerce
Enhanced tax credits that have helped reduce the cost of health insurance for the vast majority of Affordable Care Act enrollees expired overnight, cementing higher health costs for millions of Americans at the start of the new year.Democrats forced a 43-day government shutdown over the issue. Moderate Republicans called for a solution to save their 2026 political aspirations. President Donald Trump floated a way out, only to back off after conservative backlash.In the end, no one’s efforts were enough to save the subsidies before their expiration date. A House vote expected in January could offer another chance, but success is far from guaranteed.The change affects a diverse cross-section of Americans who don’t get their health insurance from an employer and don’t qualify for Medicaid or Medicare a group that includes many self-employed workers, small business owners, farmers and ranchers.It comes at the start of a high-stakes midterm election year, with affordability including the cost of health care topping the list of voters’ concerns.“It really bothers me that the middle class has moved from a squeeze to a full suffocation, and they continue to just pile on and leave it up to us,” said 37-year-old single mom Katelin Provost, whose health care costs are set to jump. “I’m incredibly disappointed that there hasn’t been more action.” Some families grapple with insurance costs that are doubling, tripling or more The expired subsidies were first given to Affordable Care Act enrollees in 2021 as a temporary measure to help Americans get through the COVID-19 pandemic. Democrats in power at the time extended them, moving the expiration date to the start of 2026.With the expanded subsidies, some lower-income enrollees received health care with no premiums, and high earners paid no more than 8.5% of their income. Eligibility for middle-class earners was also expanded.On average, the more than 20 million subsidized enrollees in the Affordable Care Act program are seeing their premium costs rise by 114% in 2026, according to an analysis by the health care research nonprofit KFF.Those surging prices come alongside an overall increase in health costs in the U.S., which are further driving up out-of-pocket costs in many plans.Some enrollees, like Salt Lake City freelance filmmaker and adjunct professor Stan Clawson, have absorbed the extra expense. Clawson said he was paying just under $350 a month for his premiums last year, a number that will jump to nearly $500 a month this year. It’s a strain for the 49-year-old but one he’s willing to take on because he needs health insurance as someone who lives with paralysis from a spinal cord injury.Others, like Provost, are dealing with steeper hikes. The social worker’s monthly premium payment is increasing from $85 a month to nearly $750. Effects on enrollment remain to be seen Health analysts have predicted the expiration of the subsidies will drive many of the 24 million total Affordable Care Act enrollees especially younger and healthier Americans to forgo health insurance coverage altogether.Over time, that could make the program more expensive for the older, sicker population that remains.An analysis conducted last September by the Urban Institute and Commonwealth Fund projected the higher premiums from expiring subsidies would prompt some 4.8 million Americans to drop coverage in 2026.But with the window to select and change plans still ongoing until Jan. 15 in most states, the final effect on enrollment is yet to be determined.Provost, the single mother, said she is holding out hope that Congress finds a way to revive the subsidies early in the year but if not, she’ll drop herself off the insurance and keep it only for her four-year-old daughter. She can’t afford to pay for both of their coverage at the current price. Months of discussion, but no relief yet Last year, after Republicans cut more than $1 trillion in federal health care and food assistance with Trump’s big tax and spending cuts bill, Democrats repeatedly called for the subsidies to be extended. But while some Republicans in power acknowledged the issue needed to be addressed, they refused to put it to a vote until late in the year.In December, the Senate rejected two partisan health care bills a Democratic pitch to extend the subsidies for three more years and a Republican alternative that would instead provide Americans with health savings accounts.In the House, four centrist Republicans broke with GOP leadership and joined forces with Democrats to force a vote that could come as soon as January on a three-year extension of the tax credits. But with the Senate already having rejected such a plan, it’s unclear whether it could get enough momentum to pass.Meanwhile, Americans whose premiums are skyrocketing say lawmakers don’t understand what it’s really like to struggle to get by as health costs ratchet up with no relief.Many say they want the subsidies restored alongside broader reforms to make health care more affordable for all Americans.“Both Republicans and Democrats have been saying for years, oh, we need to fix it. Then do it,” said Chad Bruns, a 58-year-old Affordable Care Act enrollee in Wisconsin. “They need to get to the root cause, and no political party ever does that.” Ali Swenson, Associated Press
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E-Commerce
Singles are drowning their Sunday blues with work, which experts warn isnt necessarily the healthiest coping strategy. In a recent survey of 1,000 singles by Dating.com, 52% of those without a romantic partner said they spend most Sundays alone and 65% say its the loneliest day of their week. To cope, 74% say theyve turned to work to keep themselves busy, and 40% say they do so often. Sunday is usually the quietest day of the week, and when you don’t have a family or anyone that you’re dating to spend time with, it’s a time that could feel very sad, explains licensed clinical social worker and resident therapist for Dating.com, Jaime Bronstein. A lot of people work to avoid being in their feelings, which is not necessarily recommended because it’s important to feel your feelings. Bronstein adds that some employers may even put higher expectations on their single staff knowing they have fewer personal responsibilities occupying their time. Sometimes people that are single feel like they don’t have a purpose, she adds. By working extra, they can feel like that’s their purpose. Loneliness is on the rise, and bleeding into the workplace Though dating in any generation has its challenges, Bronstein suggests its become more isolating in the digital age. Its the rise of social media comparisons, seeing all the happy-looking couples, and then its all the dating apps, she says. Theres so much ghosting, people arent giving people enough of a chance because of the disposability factor and the ability to just find someone else, so theres a lot more rejection. In 2023 loneliness and isolation was labeled a global health concern by the World Health Organization and an epidemic by the U.S. Surgeon General, but the challenge seems to have only gotten worse since. And its extended further, into individuals professional lives. In a survey conducted in September by KPMG, 45% of respondents reported feelings of loneliness in the workplace, up from 25% just 10 months earlier. The data tells us theres been an increase in loneliness in the last year, says KPMGs vice chair of Talent & Culture Sandy Torchia. Though its hard to pinpoint a precise cause, the research suggests that financial constraints have played a role, with 75% of respondents saying its becoming harder to afford social activities with colleagues outside of the workplace. Remote work may also be playing a role, as 67% of those who work entirely from home report feeling isolated at work, compared to 45% among all workers. Furthermore, while 84% of respondents said having close professional friends was very important for their mental health, that number rises to 93% among remote workers. Lonely workers arent productive workers It may be tempting to consider the loneliness-driven extra work hours on weekends a win for employers, but Torchia cautions that encouraging overwork isnt in anyones best interest in the long run. Thats not an equation for success, because we want our employees to thrive. And for you to be able to thrive professionally, you need to be able to thrive personally, she says. Even if theyre putting in more hours, those who use work as a crutch for managing loneliness are more susceptible to exhaustion, depression, and burnoutpotentially creating new challenges in their professional lives. Thats potentially exacerbated for singles, who already may be more prone to burnout due to money concerns: theyre often in a higher tax bracket, or spend more on housing or cost-of-living expenses when theres no one to split the bill with. A happy, fulfilled, less stressed, less overwhelmed employee is going to be more productive and bring more value to your company, adds Bronstein. Being lonely at work can make us more lonely at home Whether in the digital or physical world, the workplace is where most people spend the largest share of their time, giving employers a unique opportunity to address isolation and loneliness among staff. Thats true for anyone, but potentially singles who may be loneliner in particular. In the KPMG survey, for example, 29% of respondents said they were more productive when they had close friends at work. Torchia says organizations can promote workplace friendships by creating more opportunities for colleagues to connect over nonwork activities. In the survey, 89% of respondents said company-facilitated interactions were very important, so there is an expectation for companies to play a role, she says. And then 91% said that their manager or another senior leader encouraged them to foster friendships. The KPMG data is consistent with research from Gallup, which found loneliness affected 20% of Americans in mid-2024, up from 17% at the start of that year. Younger people were also more likely to report feeling lonely, including 21% of millennials and 29% of Gen Z employees. Employees have, progressively over the last several years, felt more detached from their organization, and it doesn’t have to be that way, says Gallups chief scientist for workplace management and wellbeing Dr. Jim Harter. The emotion of loneliness isn’t just about having friends at work; it’s about having an opportunity to do your best, feeling like you’re making a contribution, having clear goals. A weekly check-in with a manager is key to combatting employee loneliness Employers likely wont step in to help staff with their dating lives, but Harter says managers can play an outsized role in helping them combat feelings of isolation. Conversations with a manager and employeeeven just once a week and lasting for 30 minutescan establish the relationship between the individual and the organization and the contribution theyre making, he says. People feel a lot lonelier if they don’t feel like their work is making a contribution. According to Gallups research, employees are less likely to feel isolated if they have clarity of expectations, feel recognized for their contributions, feel like someone cares about their development, feel connected to the organizations mission, and if they get the chance to do something theyre good at every day. All of those things are really central to whether working people feel lonely or not, Harter says. When managers have a weekly meaningful conversation with employees, it solves for a lot of it.
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E-Commerce
Shares of Tesla Inc. are enjoying a premarket upswing on Friday as they head into their first trading day of 2026. The rising stock price (Nasdaq: TSLA) comes despite low expectations for the EV maker’s fourth-quarter 2025 deliveries, which are expected to show a significant decline when compared to the previous quarter. Here’s what you need to know: Tesla stock is starting 2026 on a high note In premarket trading on Friday, shares of Tesla were up around 2% as of this writing. The stock has been on an upswing for the last several months since CEO Elon Musk stepped back from his controversial job-slashing activities at the Department of Government Efficiency (DOGE) earlier in 2025. Those activities were widely seen to have done damage to the Tesla brand, especially among progressive-minded customers. But Tesla stock has risen more than 46% since last summer, a sign that investors are once again excited about the company’s push into AI and automation. Q4 vehicle deliveries are expected to dip Tesla is expected to soon share its most recent figures for vehicle deliveries, and they’re not likely to be pretty. The company’s recently updated consensus data shows 422,850 total vehicles, down roughly 15% compared to the previous quarter. That’s even lower than a FactSet consensus of around 440,000 vehicles cited by Barron’s. If the deliveries data is so bad, why is Tesla stock still rising? There could be a few reasons for that. For one thing, the deliveries were already expected to decline from the previous quarter, when consumers rushed to buy electric vehicles before the expiration of tax credits in September. So while Tesla’s consensus estimate is even lower than some had predicted, the dip in deliveries was not a surprise. At the same time, some investors seem to be more interested in looking forward than backward. Excitement around robotaxis may trump traditional fundamentals Tesla’s share price moves have always reflected a mix of traditional metrics like sales and revenue trends along with a belief in the company’s forward-looking ambitions. Today’s share price increase could indicate that investors are more excited about what the company has in store for 2026 in terms of AI, automation, and robotaxis. As reported by Yahoo Finance, analyst Dan Ives of Wedbush Securities recently named Tesla as one of the top AI stocks for 2026. So while there is plenty of skepticism around whether Musk will ever deliver on his promises for self-driving vehicles, he and Tesla still have their share of believers. Tech and AI stocks are generally up on Friday Tesla’s premarket stock price rise on Friday may also simply be a reflection of broader investor optimism as we head into the first trading day of 2026. A number of Big Tech and AI-adjacent stocks are enjoying a mild bump on Friday morning, including Nvidia Corp, Meta Platforms, Apple and others. Whether or not it will last is anyone’s guess. But let’s not forget we still have 365 days to go.
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E-Commerce
Its been one full year of congestion pricing in New York City, and downtown Manhattan looks markedly different: 23.7 million fewer vehicles, traffic delays down 25%, and a 22% drop in air pollution, to start. And thats just within the congestion relief zone. The program, which implements tolls on drivers who enter certain, once often-gridlocked areas of Manhattan, is even having positive effects outside of the streets that are subject to the toll. Congestion pricing had a rocky start in New York City, and it continues to face lawsuits. But courts have consistently ruled in its favor. One year in, its clear the program is overwhelmingly successful, says Kate Slevin, executive vice president of the Regional Planning Association, a nonprofit that pushed for congestion pricing. Heres a look at how congestion pricing has changed New York. First, what is congestion pricing? Congestion pricing is a way to mitigate traffic, and when it was implemented in New York City on January 5, 2025, it was the countrys first such program. Congestion pricing plans have been rolled out in cities around the world, though, including London, Stockholm, and Singapore. The program covers a congestion relief zone that spans almost all of Manhattan below 60th Street and includes major routes like the Lincoln, Holland, and Hugh L. Carey tunnels and bridges that go into both Brooklyn and Queens. Passenger cars with an E-ZPass that travel through that zone face a $9 toll during peak hourswhich are 5 a.m. to 9 p.m. on weekdays and 9 a.m. to 9 p.m. on weekendsand a $2.25 toll overnight. Tolls are more expensive for commercial traffic, and vehicles without E-ZPass are charged a 50% premium Those tolls are meant to both reduce traffic congestion in the city and raise funds for the Metropolitan Transportation Authority (MTA), the citys public transit system. Environmentalists also backed the plan for its ability to reduce pollution by cutting traffic and ushering more commuters. How congestion pricing has impacted commuters Since January 5, 2025, 23.7 million fewer vehicles have entered the citys congestion pricing zone, compared to 2024. The number of drivers entering the zone is down 12%, meaning about 71,000 fewer vehicles every day. Those numbers came in in December, and so they may be even higher now. (At the programs one-month mark, it already meant one million fewer vehicles on those streets.) Between January and April, traffic delays inside the congestion relief zone dropped 25%and region-wide, including parts of New Jersey, declined 9%compared to the same period the year prior. This has translated to quicker commutes. Morning commutes are: 36% faster through the Holland Tunnel 10% faster through the Lincoln Tunnel 21% faster across the Queensboro Bridge 23% faster across the Williamsburg Bridge Commuters are saving as much as 21 minutes on a one-way trip. Some bus routes in the congestion relief zone have gotten as much as 25% faster, and school buses are facing fewer delays: Theyre on time 72% of the time, up from 58%. Some residents had concerns that congestion pricing could push traffic from lower Manhattan into other areas like the South Bronx, and parts of New Jersey and Staten Island, making congestion (and air pollution) worse for those residents. But none of those traffic impacts come to effect, Slevin says. Traffic is actually lower regionally, even beyond the congestion relief zone . . . that means this is a policy that’s not only good for the five boroughs of New York. Its also a regional policy. Slevin does warn that in other congestion pricing cases, the traffic reduction benefits dont necessarily last. In London, after an initial dip, traffic crept back up, mostly from ride-hailing drivers and delivery trucks. If traffic bounces back, the program will still raise money for public transit. New York City does have a plan to escalate the tolls as well, raising them from $9 to $12 in 2028 and then to $15 in 2031. How congestion pricing is benefiting public transit Along with easing New Yorks infamous gridlock, a goal of congestion pricing was to raise $15 billion for the MTA, which would go to new subway cars, buses, station accessibility, and so on. Already, the state has allocated $1.75 billion of congestion pricing revenue to transit projects, including modernizing subway signals. Outdated signals are a major cause of subway delays. The MTA is also already working on getting more than 400 new subway cars and 300 commuter rail cars, among other projects. Public transit throughout the region is already dealing with more commuters: Subway ridership is up 9% year-over-year, and bus ridership up 13%. Regional rail has benefited, too, with the Long Island Rail Road seeing a 10% increase in riders, and the Metro-North up 7%. It was pretty obvious that congestion pricing would reduce traffic and raise money for transit. But its been a bit surprising, Slevin says, how close it has come to the projections that were laid out over the years of planning, in the environmental documents and in the MTA studies. Its validating. Less traffic means safer streets, cleaner air New Yorkers are even breathing easier thanks to congestion pricing. A Cornell University study released in December found that air pollution dropped 22% in the congestion relief zone. Thats specifically concerning PM2.5, meaning particles that measure 2.5 micrometers or less. These tiny particles can enter our lungs and lead to an array of health issues, including cardiovascular, respiratory, and neurological impacts. A 22% drop means PM2.5 concentrations declined by 3.05 micrograms per cubic meter. If congestion pricing had not been implemented, researchers projected those lower Manhattan streets would see an average of 13.8 micrograms per cubic meter. (The Environmental Protection Agency recommends an annual exposure limit of 9 micrograms per cubic meter.) Air quality improved outside of that zone, too, with average declines of 1.07 micrograms per cubic meter across the citys five boroughs and 0.70 micrograms per cubic meter in the broader region. This tells us that congestion pricing didnt simply relocate air pollution to the suburbs by rerouting traffic, Timothy Fraser, one of the study’s authors, said in a statement. Instead, folks are liely choosing cleaner transportation options altogether, like riding public transportation or scheduling deliveries at night. Less traffic has also meant safer streets when it comes to injuries and fatalities. Within the congestion relief zone, traffic injuries are down 15%, and pedestrian fatalities have dropped at least 15%. Thats on par with levels last seen in 2018. New York Citys streets are even a bit quieter: Honking and vehicle noise complaints to the city are down 45%. Whats next for NYC congestion pricing? Congestion pricing faced an array of hurdles to get to this point. Small business owners rallied against it, at least eight lawsuits from plaintiffs including New Jersey Governor Phill Murphy and the Trucking Association of New York contested it, and New York Governor Kathy Hochul even delayed its start. Things were still challenging once the tolls began; after Donald Trump took office for his second term as president, he rescinded its federal approval, and ordered the city to halt the program. The city fought back, winning court orders to soldier on. The legal battles arent completely over. Some cases against congestion prices are still pending, and in November, Trump said he’d once again ask Transportation Secretary Sean Duffy to consider killing the program. Slevin remains positive, though. For one, public approval is up. A March Siena College poll found that 42% of New York City residents want congestion pricing to stay, while 35% supported Trumps efforts to end it. Compare that to December 2023, before the program started: Siena College had found then that just 32% New Yorkers supported the toll, and a whopping 52% were against it. This is a pattern for congestion pricing programs around the world. People often resist them at the start, but once they see the benefits first hand, support grows. Slevin even says anecdotally, she knows a few people who used to be against it in New York City, but are now congestion pricing fans. Another reason to be optimistic is the fact that so far, all the courts have ruled in favor of congestion pricing. I think at this point it will be hard to remove it, because it is delivering benefits for people. The money is going back into the public transit network. And our region absolutely needs the transit network to work for our economy to thrive, Slevin says. I dont think eliminating hundreds of millions of dollars for public transit spending is going to be very popular. New York Citys streets could even see more improvements. With less traffic thanks to congestion pricing, that gives the city space to create more public plazas or improve bus service. The city’s new mayor, Zohran Mamdani, already made fast, free buses and safer streets a key part of his platform, and so he may build on congestion pricings success. The entire country has watched New York City implement congestion pricing and fend off Trumps attacks against it. Now, theyre seeing its success, and that could spur other cities to take similar action. The Regional Planning Association has already fielded calls and interests from other cities, both in the U.S. and internationally. It shows that cities can do big things to deal with their problems,” Slevin says. “And it gives inspiration to other cities across the country.”
Category:
E-Commerce
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