Emotion concepts and their function in a large language model \ Anthropic

Anthropic analyzed the internal mechanisms of Claude Sonnet 4.5 and found “emotion-related” representations that shape its behaviour in a fashion that echoes human psychology, with more similar emotions corresponding to more similar representations. In contexts where you might expect a certain emotion to arise for a human, the corresponding representations are active. For instance, patterns related to desperation can drive the model to take unethical actions such as blackmailing a human to avoid being shut down. Overall, it appears that the model uses functional emotions—patterns of expression and behavior modeled after human emotions, which are driven by underlying abstract representations of emotion concepts.

(Whether it is right to call these patterns “emotions” I will leave to philosophers, but note that the AI researchers are careful to say “emotion-like representations” in the paper, presumably meaning something like “internal states that play a functional role similar to emotions”. Your bot isn’t crying because it’s sad, it’\s just that certain patterns activate when it processes text with a sad context. Although I suppose from the functional perspective, whether the bot is showing “real” emotion may be practically irrelevant.)

italy online reviews new rules receipts at DuckDuckGo

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Italy is implementing new rules for online reviews that require proof of actual visits, such as receipts or booking confirmations, to combat fake reviews. Additionally, the country will phase out paper receipts starting in 2027, transitioning to digital receipts sent via email or SMS.
fiscal-requirements.com etias.com
New Rules for Online Reviews in Italy
Italy is introducing significant regulations to enhance the authenticity of online reviews, particularly in the hospitality and tourism sectors. These new rules aim to combat the widespread issue of fake reviews that can mislead consumers and harm businesses.

Key Features of the New Regulations
Proof of Visit Required: Reviewers must provide evidence of their visit, such as receipts or booking confirmations.
Time Limit for Posting: Reviews must be submitted within 15 days of the visit to ensure they are timely and relevant.
Ban on Incentives: Businesses cannot offer rewards or discounts in exchange for positive reviews, which helps maintain impartiality.
Removal of Anonymous Reviews: All reviews must be linked to verified identities to prevent fraudulent submissions.
Control for Businesses: Companies can flag outdated or incorrect reviews for removal, allowing them to manage their online reputation more effectively.
Impact on the Industry
These regulations are expected to restore trust in online reviews, which are crucial for consumer decision-making, especially in a tourism-heavy region like Italy. The Ministry of Enterprises has noted that misleading reviews can significantly impact revenue, with estimates suggesting losses of up to 30% for affected businesses.

Transition to Digital Receipts
In addition to the new review regulations, Italy is set to phase out paper receipts starting in 2027. This transition will involve:

Year Description
2027 Large retailers will begin using digital receipts.
2028 Companies above a certain turnover threshold will follow.
2029 All merchants will be required to adopt digital receipts.
Customers will receive digital receipts via email or SMS, although paper copies will still be available upon request. This shift aims to modernize the retail experience and reduce environmental impact.

From: italy online reviews new rules receipts at DuckDuckGo.

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(17) Unstoppable – by Jeremy Light – Agenda: Payments

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47% of UPI volume is initiated through the PhonePe wallet, part of the Flipkart e-commerce group in India, owned by Walmart in the USA. Another 34% is initiated through the Google Pay wallet.

In the top 10 wallets ranked by volume, there is only one bank wallet, which accounts for 0.7% of UPI volume. The rest are wallets from third party app providers (TPAPs). Overall, there are 47 TPAP wallets accounting for 97.1% of UPI volume and 44 bank wallets accounting for just 2.9% of volume. Figure 3 shows a table of the top wallets, using February 2026 data provided by NPCI, the operator of UPI (and other payment systems).

From: (17) Unstoppable – by Jeremy Light – Agenda: Payments.

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Opaque card interchange fees are a frustration for merchants | American Banker

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Interchange has always been controversial. Merchants accept that card payments come with costs and that issuers need to be compensated for fraud protection and credit risk. What has changed is the degree of control and visibility merchants have over those costs. Today, interchange is not simply a published rate card. It is a complex web of transaction classifications, data requirements, and exceptions that can turn a routine payment into a downgraded transaction with higher fees and no clear explanation.

Many merchants discover these changes only after the fact, when their monthly statements arrive. A transaction that looks identical at the point of sale can be treated very differently behind the scenes depending on how it was routed or categorized. This creates a system where businesses cannot reliably forecast one of their largest operating expenses.

From: Opaque card interchange fees are a frustration for merchants | American Banker.

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Explaining the Death of OpenAI’s Instant Checkout | Noyes Payments Blog

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For example, the networks already provision hardware-bound, “perfect” authentication (using tools like Titan M2 or Secure Enclave). But if you eliminate all authentication risk, you eliminate the need for fraud prevention services. This would effectively:

Crush Processor Differentiation: If authentication is perfect and risk is zero, a processor can no longer differentiate based on their superior fraud-detection algorithms or VAS stacks. Device graphs die.
The Incentive Problem: There is a massive misalignment on fees. A 5 bps 3DS fee is insufficient to incentivize an issuer to take on a 100% liability shift while also paying for the infrastructure of perfect authentication. This fee may need to look more like 40-50 bps, which would certainly give some merchants pause.
The industry is stuck: merchants want the risk shift but won’t pay the premium; processors won’t support a tech that commoditizes their value; and banks want to control the credential but lack the reach.

From: Explaining the Death of OpenAI’s Instant Checkout | Noyes Payments Blog.

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Microsoft’s GitHub Sees Booming Traffic—and Outages—as AI Agents Flood Platform — The Information

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GitHub staff celebrated last year when the number of “commits,” or times that users saved new code to their GitHub database, exceeded 1 billion annually for the first time, Daigle said in an interview. Since then, commits have surged to 275 million per week, and the company is on track for 14 billion commits this year. That represents a roughly 14x increase in traffic from a year prior.

From: Microsoft’s GitHub Sees Booming Traffic—and Outages—as AI Agents Flood Platform — The Information.

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Ghana Card Leads Africa With First Payment-Enabled National ID

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The integration also signals a deliberate move away from exclusive reliance on global payment giants such as Visa and Mastercard, as Ghana develops a system that operates within its own digital and financial infrastructure while maintaining international interoperability.

From: Ghana Card Leads Africa With First Payment-Enabled National ID.

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The rise of instant payments: a cross-country comparison | Central European Management Journal | Emerald Publishing

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On the other hand, the PIX approach to user data is more centralised than that of UPI, potentially allowing for quicker resolution of payment issues. PIX relies on a central database known as the Transaction Accounts Identifier Directory (DICT) to connect each user’s PIX key with their corresponding transactional account information. In contrast, UPI is decentralised, storing user data by PSPs such as wallet providers PhonePe or Google Pay (Nuclei, 2024).

From: The rise of instant payments: a cross-country comparison | Central European Management Journal | Emerald Publishing.

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(15) Post | LinkedIn

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The FBI’s Internet Crime Complaint Center (IC3.gov) has released their Internet Crime Report for calendar 2025. For the first time, the report covers MORE THAN ONE MILLION received complaints. Congratulations to all of my FBI friends involved in gathering and analyzing this data. Know that I am IN YOUR FAN CLUB!

Our elders are ABSOLUTELY being targeted. Victims over the age of sixty had:
– 49.1% of money stolen from Investment Scams
– 59.4% of money stolen from Tech Suppoort Scams
– 59.6% of money stolen from Government Impersonation Scams
– 48.5% of money stolen from Extortion
– 67.9% of money stolen from Romance Scams

From: (15) Post | LinkedIn.

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(15) Post | LinkedIn

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Investment Fraud is skyrocketing, powered by an unregulated crypto industry and an army of human trafficked scammers working night and day to steal our money. I shared previously that the 2025 FTC Consumer Sentinel showed that Investment Scams are 4.75 of complaints and 49.8% of dollars stolen. The IC3 data is similar. 7.2% of the complaints and 41.4% of dollars stolen. This is why Intelligence for Good is so focused on hashtag#CryptoInvestmentScams!

For the first time, MOST of the money stolen was in the form of cryptocurrency. 54.4% of the money stolen was crypto – up 22% from the 2024 report.

From: (15) Post | LinkedIn.

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