The fintech industry moved into the modern era from something deeper than just better technology. The Global Financial Crisis of 2008 triggered a crisis of trust. For millions of consumers and businesses, the crisis revealed a need for greater transparency. A new generation of financial services companies–fintechs–stepped into the gap promoting not just efficiency and lower costs, but transparency and accessibility as well. This approach has delivered real results: The International Monetary Fund finds th ...

人工智能的采用率正在上升，但信任仍是一个关键挑战。 全球四大会计师事务所之一的毕马威(KPMG)发布的最新数据显示，相较于2022年ChatGPT发布前，如 今AI(人工智能)普及率已经显著提升，但忧虑情绪也随之上升，全球仅46%受访者愿意信任AI系统。 许多先进的人工智能模型被视为"黑箱"，即便是开发者也难以完全理解其决策逻辑。面对这种透明度缺 失的情况，人们应如何建立对人工智能系统的信任？近日，《每日经济新闻》记者(以下简称NBD)专访 了香港金融科技周筹办商Finoverse首席执行官Anthony Sar。 NBD：许多先进的人工智能模型被视为"黑箱"，面对这种透明度缺失的情况，人们应如何建立对人工智 能系统的信任？ Anthony Sar：大型语言模型的透明度仍未完全实现，即便对其创造者而言亦是如此。如今，人工智能 不仅能预测文字，还能理解概念——这既赋予了它强大的能力，也带来了相应风险。 NBD：当人工智能系统出现严重错误(例如自动驾驶汽车引发事故、医疗人工智能给出误诊)时，该由谁 为这一错误负责？ Anthony Sar：人工智能出现严重错误，其责任应由多方共同承担。就像交通安全依赖于司机、行人 ...

Core Viewpoint - The article highlights the journey of "Yichun Dessert," a bakery in Handan, which has transformed from facing online backlash to becoming a beloved brand through a focus on product quality and customer trust [5][6][18]. Group 1: Brand Development - The founder of "Yichun Dessert" has over 20 years of experience in the baking industry, which has shaped her understanding of product quality and consumer needs [7][9]. - The brand was established during the pandemic, initially starting with small orders and gradually building a reputation through word-of-mouth [11][18]. - "Yichun" emphasizes transparency and simplicity in its branding, with a focus on the quality of ingredients and the baking process [36][38]. Group 2: Product Philosophy - The brand adheres to three core rules: nuts must be roasted in-house, jams must be homemade, and no additives are allowed [15][16]. - "Yichun Dessert" prioritizes taste over aesthetics, choosing to focus on the quality of flavors rather than trendy designs [31][34]. - The development process includes rigorous testing and customer feedback, ensuring that each product meets high standards before launch [30][26]. Group 3: Crisis Management - The brand faced a significant challenge when it was accused of unsanitary conditions shortly after opening, which led to a surge in customer visits to verify the claims [39][42]. - The founder's response was to invite customers to see the kitchen themselves, which ultimately strengthened trust in the brand [41][45]. - This incident highlighted the importance of trust over explanations, leading to the establishment of a customer testing group for new products [42][45]. Group 4: Growth Strategy - Following initial success, "Yichun Dessert" plans to expand with four new locations in Handan, focusing on maintaining product quality across all outlets [47][50]. - The brand employs a unique non-industrial standard system to ensure consistency in taste and quality, rather than relying on mass production [50][52]. - The founder emphasizes long-term relationships with customers, fostering a sense of community around the brand [55].

Core Insights - The 2025 Bund Summit will be held from October 23 to 25 in Huangpu District, Shanghai, focusing on the theme "Embracing Change: New Order, New Technology" [1] Group 1: Global Trade Dynamics - Jeffrey J. Schott, a senior researcher at the Peterson Institute for International Economics, emphasized the importance of "trust" and "enforcement" in the global trade system, which he views as core challenges [3] - Schott highlighted that the stability of U.S.-China relations and the multilateral trade mechanism relies on predictable policies and ongoing dialogue [3][4] - He noted that uncertainty in bilateral relations increases operational costs for businesses and creates political risks, advocating for a reduction in uncertainty to facilitate normal trade and investment [5] Group 2: U.S.-China Relations - Schott stated that restoring basic trust is essential for resolving U.S.-China trade tensions, which he believes is a long-term process [5] - He pointed out that even in areas of significant disagreement, communication should be maintained due to the profound impact that policy changes from either country can have on the global economy [3][5] - Schott expressed skepticism about the U.S. rejoining the Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP) in the short term [5] Group 3: Multilateral Trade Agreements - Schott described the CPTPP as a beneficial complement to the World Trade Organization (WTO) rather than a replacement, noting that the U.S. withdrawal from the Trans-Pacific Partnership (TPP) was a mistake [5] - He mentioned that China's potential accession to the CPTPP would be a cautious and gradual process, with limited short-term progress expected [5] Group 4: WTO and Sanctions - Schott denied claims of WTO marginalization, asserting that it still plays a crucial role but requires updates to reflect contemporary technological and trade dynamics [6] - He differentiated between the quantity of sanctions and their policy impact, stating that current sanctions do not significantly threaten the dollar's status as the world's primary reserve currency [6] - Schott warned that long-term instability in U.S. domestic economic policy could lead to questions about the future of the dollar, similar to the historical decline of the pound [6] Group 5: Service Trade - Schott criticized the U.S. public discourse for often overlooking the significant contributions of service trade, which he considers a vital component of modern globalization [7]

Core Insights - The 2025 Bund Summit will be held from October 23 to 25 in Huangpu District, Shanghai, focusing on the theme "Embracing Change: New Order, New Technology" [1] Group 1: Global Trade Dynamics - Jeffrey J. Schott, a senior researcher at the Peterson Institute for International Economics, emphasized that the core challenges of the global trade system are "trust" and "enforcement" [3] - Schott highlighted the importance of maintaining open communication channels between the U.S. and China, stating that any policy changes by either country will have profound impacts on the global economy [3][4] - He noted that the uncertainty in bilateral relations increases operational costs for businesses and creates political risks, advocating for a reduction in uncertainty to facilitate normal trade and investment [5] Group 2: Trade Agreements and Multilateralism - Schott discussed the evolution from the General Agreement on Tariffs and Trade (GATT) to the World Trade Organization (WTO), pointing out that the lack of trust in enforcement is a significant barrier to multilateral negotiations [5] - He described the Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP) as a beneficial complement to the WTO, arguing that the U.S. withdrawal from TPP was a mistake [5] - Regarding China's potential accession to the CPTPP, Schott characterized it as a cautious and long-term process, with slow progress expected in the short term [5] Group 3: Role of the WTO and U.S. Dollar - Schott denied the notion of WTO marginalization, asserting that it still plays a crucial role but requires updates to reflect contemporary technological and trade dynamics [6] - He differentiated between the quantity of sanctions and their policy impact, stating that current sanctions do not significantly threaten the dollar's status as the world's primary reserve currency [6] - Schott pointed out that the U.S. often overlooks the significant contributions of service trade, which is a vital component of modern globalization [6]

Core Viewpoint - The restaurant industry is currently in a period of internal competition, with the rise of chain operations increasing operational difficulties, leading to the adoption of "pre-made dishes" as a reluctant choice [1][2] - The influence of online marketing on the restaurant industry is weakening, and the trust between users, platforms, and merchants is diminishing [1] - To marginalize pre-made dishes, it is essential to rebuild the trust chain, which is a critical issue that companies like Gaode are addressing [1] Industry Analysis - The restaurant industry has faced significant challenges in recent years, particularly since 2024, with monthly revenue growth lagging behind GDP growth, indicating a period of internal competition [2] - The capital influx into the restaurant sector has led to a significant increase in chain operation rates, from 15% in 2020 to 23% in 2024, which has improved standardization but also increased financial burdens on businesses [5] - Despite high levels of investment, the number of business cancellations and closures has reached new highs, indicating a growing pessimism within the industry [6] Financial Performance - Companies often resort to price reductions as a means of counter-cyclical adjustment, but in the current environment, this strategy may not effectively resolve operational challenges and could worsen financial performance [4][6] - The focus has shifted to "cost-cutting," with pre-made dishes being a method to enhance operational efficiency through modern preservation technologies [7] Trust and Marketing Dynamics - The reliance on online platforms for driving traffic to physical restaurants has not yielded the expected results, as evidenced by the stagnation in growth for companies like Jiumaojiu, which saw only a 1.5% revenue increase despite a nearly 25% rise in marketing expenses [11] - Trust is a critical factor in the restaurant industry, and the erosion of trust due to conflicts of interest and biased reviews has led to inefficiencies in advertising and a mismatch in consumer needs [12] Future Expectations - In the short term, the restaurant industry can leverage trust to improve profitability and emerge from the current competitive downturn, with expectations for significant gains during the upcoming holiday season [14] - In the medium term, there is an anticipated decrease in the proportion of pre-made dishes as the industry refocuses on quality and taste [15] - In the long term, the goal is for consumers to enjoy quality food while businesses concentrate on culinary excellence [15]

他们既要推动战略落地、确保结果达成，也要做好团队管理与人才培养，同时还要在管理实践中提升自我认知与格局，更需通过自身影响力凝聚团队力 量。 但在管理实践中，组织往往因管理者领导力的缺失或偏弱而导致效率低下。因此，中高层管理者向卓越领导力跃升，成为卓越组织的关键挑战。 而卓越领导力的基础，是一个永恒不变的主题——信任。 富兰克林柯维团队在多年的调查研究中总结出构建可信度的四大核心和13种行为，以及"观-言-行"的信任构建模型。 内容来源：富兰克林柯维线上研讨会，「信任的速度®」、「乘法领导者®：卓越领导者如何点燃周围人的智慧」为富兰克林柯维公司版权解 决方案。 卓越组织，不是靠超级领导者的孤军奋战，而是依靠团队的集体智慧。 中高层管理者，是组织的核心力量。 一、卓越组织，需要卓越领导力 1.卓越领导力的四个挑战 ① 战略落地与执行偏差 一方面，对上层战略理解得并不透彻。 而在没充分理解组织战略的情况下，他们很难把战略转化为团队目标，自然也没法带领团队拿到结果。 这种"上承下接"的缺失，甚至战略传递中的断层，会严重影响组织的战略执行力。 另一方面，存在"重规划、轻落地"的问题。 却忽略了在执行过程中，要通过给团队 ...

Core Points - A heartwarming story occurred at Agricultural Bank of China (ABC) Guide Branch, where a good Samaritan and bank staff worked together to return 10,000 yuan in cash to its rightful owner, showcasing social positivity and ABC's customer-centric service philosophy [1][2] Group 1 - A woman named Zhang found a bag containing a large sum of cash outside the bank and promptly handed it over to the bank staff, demonstrating trust in ABC as a reliable institution [1] - An elderly man, who had lost the same amount of cash he withdrew from another bank, rushed to ABC Guider Branch seeking help, and after verification, the bank staff successfully returned the money to him [1] - The incident highlights the importance of customer trust as a valuable asset for the bank, emphasizing ABC's commitment to safeguarding customer confidence and enhancing financial services as a bridge connecting people [2]

Market Dynamics - The market is gradually shifting towards a "Zhuang-style" model, seeking trust through funded entities controlling the float, fostering confidence in holding positions, and believing that funds will drive market growth, allowing retail investors to share in the profits [1] - The market needs a role that can restore trust [3] - The collapse of VC coins is attributed to the erosion of trust within the industry [3] Trust & Value - Ability brings value, value brings trust, and trust in turn feeds back into ability [2] - Early profits are given to the community to allow believers to earn money, thereby generating more and more value resonance, and ultimately promoting the community to feed back to its core capabilities [1] Key Stakeholders - Any project basically consists of four roles: project party, investors, market makers, and community [3] - Theoretically, these four parties should be co-builders and win-win [3]

Pain Points in Traditional Prediction Industry - Traditional platforms suffer from a lack of fairness and transparency, including issues like manipulating odds and delaying payments [1] - Security and trust are major concerns due to fund freezes and platforms disappearing [1] - Traditional platforms lack effective incentive mechanisms to enhance user loyalty [4] - Traditional prediction ecosystems are closed, lacking asset appreciation channels [7] Hash Epoch's Blockchain Solutions - Blockchain technology ensures data transparency and fairness through immutable smart contracts and hash-based random number generation [1] - Smart contracts manage user funds, and a 1:1 collateral mechanism ensures payment capability [2][3] - A multi-dimensional incentive system rewards users with HEST tokens for tasks, social sharing, and staking [5] - A loss compensation mechanism provides HEST token rewards to users who lose predictions, reducing risk [6] - DeFi integration allows users to earn interest by investing idle funds in liquidity pools [8] - Users can participate in node validation by staking HEST, sharing platform revenue [8]