Starling Bank, one of the UK’s digital challenger banks, has launched a new AI-powered tool that will answer questions about your spending habits. You can now easily find out how much you’ve spent at Amazon in a particular month, how much money you’ve wasted on fast food outlets over the past year, or how much cash you’ve received over a particular period.
Starling’s AI tool, or enhanced search as the bank calls it, is an opt-in feature that enables a prompt where you can ask questions about your spending habits. The tool, built with Google Gemini, even suggests prompts that are personalized to your spending patterns.
Transactions are listed by retailer and are automatically sorted into more than 50 customizable categories, like bills, transport, and groceries. This makes it easy to see how much you’ve spent at a particular retailer over a period of time, or how much you’ve spent on categories like eating out. I checked to see how much I’ve spent on McDonald’s over the past year, and let’s just say I’m off Big Macs for the foreseeable future.
You’ll be presented with a graph and analytics about your spending habits, along with a breakdown of individual payments to retailers in a particular category. It helps address the problem of having the ability to track your payments to retailers in banking apps, but not being able to easily manipulate that data and really understand your finances.
“We believe that anyone and everyone can be ‘Good with money,’ so we’ve designed this feature so that people can engage with their finances in a way that feels natural to them,” says Harriet Rees, CIO of Starling Bank. “The more you talk or type, the more you’ll learn about your money management.”
Starling is one of a few big digital banks in the UK that have taken a mobile-only approach to try and shake up banking in Britain. Starling now has 4.6 million customer accounts, competing against Monzo’s more than 12 million customers and Revolut’s more than 10 million. All three are still far ahead of traditional banks in digital features, including virtual debit cards, the ability to track spending habits, and real-time transactions.
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#Starlings #banking #tool #shows #youre #wasting #McDonalds
![If you’re giving a commencement speech in 2026, maybe don’t mention AI | TechCrunch
Commencement season has come around again — and this year, a couple speakers have discovered that it’s tough to get graduating students excited about a future shaped by artificial intelligence.
Last week, Gloria Caulfield, an executive at real estate firm Tavistock Development Company, gave a speech at the University of Central Florida acknowledging that we’re living in a time of “profound change,” which can be both “exciting” and “daunting.”
“The rise of artificial intelligence is the next industrial revolution,” Caulfield declared — prompting the students in the audience to begin booing, getting louder and louder until Caulfield chuckled, turned to the other speakers, and asked, “What happened?”
“Okay, I struck a chord,” she said. Caulfield then tried to resume her speech, saying, “Only a few years ago, AI was not a factor in our lives” — only to be interrupted again by the audience, this time by their loud cheers and applause.
[embed]https://www.youtube.com/watch?v=zwYkHS8jvSE[/embed]
Former Google CEO Eric Schmidt faced a similar response when he brought up AI at a University of Arizona speech on Friday.
In Schmidt’s case, the criticism actually began before the speech itself, with some student groups calling for him to be removed as commencement speaker due to a lawsuit in which a former girlfriend and business partner accused Schmidt of sexual assault. (He has denied the allegations.) According to a local news report, the booing began even before Schmidt took the stage.
But Schmidt also got loud boos when he told students, “You will help shape artificial intelligence.” The booing was persistent enough that Schmidt tried to speak over it, insisting, “You can now assemble a team of AI agents to help you with the parts that you could never accomplish on your own. When someone offers you a seat on the rocket ship, you do not ask which seat, you just get on.”
To be fair, AI isn’t becoming a third rail at every graduation ceremony. Nvidia CEO Jensen Huang recently spoke at Carnegie Mellon’s commencement, and he didn’t seem to get any audible pushback when he said that AI has “reinvented computing.”
Still, it’s not exactly surprising to find some students in a booing mood. In a recent Gallup poll, only 43% of Americans aged 15 to 34 said it’s a good time to find a job locally, a steep drop from 75% in 2022.
That pessimism isn’t solely a response to the rise of AI (a shift that even tech industry workers are worried about), but journalist and tech industry critic Brian Merchant suggested that for many students, AI has become “the cruel new face of hyper-scaling capitalism.”
“I too would loudly boo at the prospect of this next industrial revolution if I was in my early twenties, unemployed, and had aspirations for my future greater than entering prompts into an LLM,” Merchant wrote.
Even when graduation speeches didn’t mention AI explicitly, “resilience” was a recurring theme this year. Schmidt himself acknowledged that there is “a fear in your generation that the future has already been written, that the machines are coming, that the jobs are evaporating, that the climate is breaking, that politics are fractured, and that you are inheriting a mess that you did not create.”
Caulfield, meanwhile, might also have misread her audience of arts and humanities graduates. One student said that before mentioning AI, Caulfield already started to lose them with her “generic” praise of corporate executives like Jeff Bezos.
Another graduate, Alexander Rose Tyson, told The New York Times, “It wasn’t one person that really started the booing. It was just sort of like a collective, ‘This sucks.’”
When you purchase through links in our articles, we may earn a small commission. This doesn’t affect our editorial independence.#youre #giving #commencement #speech #dont #mention #TechCrunchcommencement speeches,Eric Schmidt,gloria caulfield](https://i3.wp.com/techcrunch.com/wp-content/uploads/2019/01/university.jpg?resize=1200%2C641&ssl=1 "If you’re giving a commencement speech in 2026, maybe don’t mention AI | TechCrunch
Commencement season has come around again — and this year, a couple speakers have discovered that it’s tough to get graduating students excited about a future shaped by artificial intelligence.
Last week, Gloria Caulfield, an executive at real estate firm Tavistock Development Company, gave a speech at the University of Central Florida acknowledging that we’re living in a time of “profound change,” which can be both “exciting” and “daunting.”
“The rise of artificial intelligence is the next industrial revolution,” Caulfield declared — prompting the students in the audience to begin booing, getting louder and louder until Caulfield chuckled, turned to the other speakers, and asked, “What happened?”
“Okay, I struck a chord,” she said. Caulfield then tried to resume her speech, saying, “Only a few years ago, AI was not a factor in our lives” — only to be interrupted again by the audience, this time by their loud cheers and applause.
[embed]https://www.youtube.com/watch?v=zwYkHS8jvSE[/embed]
Former Google CEO Eric Schmidt faced a similar response when he brought up AI at a University of Arizona speech on Friday.
In Schmidt’s case, the criticism actually began before the speech itself, with some student groups calling for him to be removed as commencement speaker due to a lawsuit in which a former girlfriend and business partner accused Schmidt of sexual assault. (He has denied the allegations.) According to a local news report, the booing began even before Schmidt took the stage.
But Schmidt also got loud boos when he told students, “You will help shape artificial intelligence.” The booing was persistent enough that Schmidt tried to speak over it, insisting, “You can now assemble a team of AI agents to help you with the parts that you could never accomplish on your own. When someone offers you a seat on the rocket ship, you do not ask which seat, you just get on.”
To be fair, AI isn’t becoming a third rail at every graduation ceremony. Nvidia CEO Jensen Huang recently spoke at Carnegie Mellon’s commencement, and he didn’t seem to get any audible pushback when he said that AI has “reinvented computing.”
Still, it’s not exactly surprising to find some students in a booing mood. In a recent Gallup poll, only 43% of Americans aged 15 to 34 said it’s a good time to find a job locally, a steep drop from 75% in 2022.
That pessimism isn’t solely a response to the rise of AI (a shift that even tech industry workers are worried about), but journalist and tech industry critic Brian Merchant suggested that for many students, AI has become “the cruel new face of hyper-scaling capitalism.”
“I too would loudly boo at the prospect of this next industrial revolution if I was in my early twenties, unemployed, and had aspirations for my future greater than entering prompts into an LLM,” Merchant wrote.
Even when graduation speeches didn’t mention AI explicitly, “resilience” was a recurring theme this year. Schmidt himself acknowledged that there is “a fear in your generation that the future has already been written, that the machines are coming, that the jobs are evaporating, that the climate is breaking, that politics are fractured, and that you are inheriting a mess that you did not create.”
Caulfield, meanwhile, might also have misread her audience of arts and humanities graduates. One student said that before mentioning AI, Caulfield already started to lose them with her “generic” praise of corporate executives like Jeff Bezos.
Another graduate, Alexander Rose Tyson, told The New York Times, “It wasn’t one person that really started the booing. It was just sort of like a collective, ‘This sucks.’”
When you purchase through links in our articles, we may earn a small commission. This doesn’t affect our editorial independence.#youre #giving #commencement #speech #dont #mention #TechCrunchcommencement speeches,Eric Schmidt,gloria caulfield")
![Elon Musk Explains Why the SpaceX Board Must Be Powerless to Fire Him
In an X post on Friday, Elon Musk warned future shareholders that while returns could be massive eventually, those who invest in SpaceX should not “expect entirely smooth sailing along the way,” and that he must be allowed to focus on his mission of making human life “multiplanetary.” I’m thinking you should heed is warning. After all, if you’re considering buying SpaceX stock, what do you think will happen at SpaceX after the expected IPO next month? You can’t be picturing SpaceX becoming some boring pillar of economic stability like AT&T, can you? Speaking to his employees in February, Musk described his dream for the future of SpaceX as one full of space catapults, a Dyson sphere around the sun, and AI that feeds on secret knowledge previously known only to long-dead aliens.
In other words, if you’re imagining good old fashioned American capitalist enterprise with healthy profits, dividends, and market-friendly competition, like something from a 1940s propaganda film, you’re investing in the wrong company. [embed]https://www.youtube.com/watch?v=eFvOPpBVff0[/embed] To wit: SpaceX’s corporate governance regime will be set up in such a way that the CEO and chairman cannot be fired, according to a report last month from Reuters. SpaceX will have different classes of stock with different power levels. Class A for pension funds and Robinhood users—plebs, in other words—and Class B for people who matter. Class B stock will carry ten times the voting power of Class A stock, and Musk will control the Class B stock.
The IPO filing, part of which is excerpted in the Reuters article, spells this out. Musk “can only be removed from our board or these positions by the vote of Class B holders.” If Musk “retains a significant portion of his holdings of Class B common stock for an extended period of time, he could continue to control the election and removal of a majority of our board.” Basically, Musk stays in both positions as long as he wants, and can easily veto any effort to fire him. Common shares without voting power aren’t rare these days, but a powerless board is. As a Harvard corporate governance expert named Lucian Bebchuk explained to Reuters, “Usually removal of the CEO is a decision left to the board, and controllers rely on their power to replace the board.”
So if you own stock in SpaceX, you’re just along for the ride. On Friday, in response to a Financial Times article about SpaceX’s draconian governance scheme, Musk explained himself. Sort of: Yes, I need to make sure SpaceX stays focused on making life multiplanetary and extending consciousness to the stars, not pandering to someone’s bullshit quarterly earnings bonus! Obviously, IF SpaceX succeeds in this absurdly difficult goal, it will be worth many orders of… — Elon Musk (@elonmusk) May 15, 2026 “I need to make sure SpaceX stays focused on making life multiplanetary and extending consciousness to the stars,” he wrote. He often does this. In response to criticism—or just as often in response to fans shielding him from criticism—he would say some variation on if people are mean to me, humanity will never be multiplanetary.
For instance, when CleanTechnica leapt to his defense after Bernie Sanders criticized him over income inequality in 2021, he replied, “I am accumulating resources to help make life multiplanetary & extend the light of consciousness to the stars.” That same year, in response to handwringing from European finance ministers about his potential monopoly over satellite launches, he posted, “SpaceX is developing rockets needed to make life multiplanetary — full & rapid reusability at large scale.” Also in 2021, when the FAA expressed concern that SpaceX had overstepped his clearance from the federal government, he wrote about how much he hated the FAA’s space division, saying, “Their rules are meant for a handful of expendable launches per year from a few government facilities. Under those rules, humanity will never get to Mars.” Some are predicting shortly after the IPO, the accompanying increase in SpaceX’s valuation will cause Musk’s net worth to cross the trillion-dollar threshold. This isn’t a trivial side effect. Elon Musk is more or less signaling that he is the protagonist of humanity’s future, and everyone else is an NPC. Do you believe that? Then by all means buy the stock (This is not financial advice). #Elon #Musk #Explains #SpaceX #Board #Powerless #FireElon Musk,ipo,SPACEX](https://i1.wp.com/gizmodo.com/app/uploads/2026/03/elon-musk-laughing-1-1280x897.jpeg?ssl=1 "Elon Musk Explains Why the SpaceX Board Must Be Powerless to Fire Him
In an X post on Friday, Elon Musk warned future shareholders that while returns could be massive eventually, those who invest in SpaceX should not “expect entirely smooth sailing along the way,” and that he must be allowed to focus on his mission of making human life “multiplanetary.” I’m thinking you should heed is warning. After all, if you’re considering buying SpaceX stock, what do you think will happen at SpaceX after the expected IPO next month? You can’t be picturing SpaceX becoming some boring pillar of economic stability like AT&T, can you? Speaking to his employees in February, Musk described his dream for the future of SpaceX as one full of space catapults, a Dyson sphere around the sun, and AI that feeds on secret knowledge previously known only to long-dead aliens.
In other words, if you’re imagining good old fashioned American capitalist enterprise with healthy profits, dividends, and market-friendly competition, like something from a 1940s propaganda film, you’re investing in the wrong company. [embed]https://www.youtube.com/watch?v=eFvOPpBVff0[/embed] To wit: SpaceX’s corporate governance regime will be set up in such a way that the CEO and chairman cannot be fired, according to a report last month from Reuters. SpaceX will have different classes of stock with different power levels. Class A for pension funds and Robinhood users—plebs, in other words—and Class B for people who matter. Class B stock will carry ten times the voting power of Class A stock, and Musk will control the Class B stock.
The IPO filing, part of which is excerpted in the Reuters article, spells this out. Musk “can only be removed from our board or these positions by the vote of Class B holders.” If Musk “retains a significant portion of his holdings of Class B common stock for an extended period of time, he could continue to control the election and removal of a majority of our board.” Basically, Musk stays in both positions as long as he wants, and can easily veto any effort to fire him. Common shares without voting power aren’t rare these days, but a powerless board is. As a Harvard corporate governance expert named Lucian Bebchuk explained to Reuters, “Usually removal of the CEO is a decision left to the board, and controllers rely on their power to replace the board.”
So if you own stock in SpaceX, you’re just along for the ride. On Friday, in response to a Financial Times article about SpaceX’s draconian governance scheme, Musk explained himself. Sort of: Yes, I need to make sure SpaceX stays focused on making life multiplanetary and extending consciousness to the stars, not pandering to someone’s bullshit quarterly earnings bonus! Obviously, IF SpaceX succeeds in this absurdly difficult goal, it will be worth many orders of… — Elon Musk (@elonmusk) May 15, 2026 “I need to make sure SpaceX stays focused on making life multiplanetary and extending consciousness to the stars,” he wrote. He often does this. In response to criticism—or just as often in response to fans shielding him from criticism—he would say some variation on if people are mean to me, humanity will never be multiplanetary.
For instance, when CleanTechnica leapt to his defense after Bernie Sanders criticized him over income inequality in 2021, he replied, “I am accumulating resources to help make life multiplanetary & extend the light of consciousness to the stars.” That same year, in response to handwringing from European finance ministers about his potential monopoly over satellite launches, he posted, “SpaceX is developing rockets needed to make life multiplanetary — full & rapid reusability at large scale.” Also in 2021, when the FAA expressed concern that SpaceX had overstepped his clearance from the federal government, he wrote about how much he hated the FAA’s space division, saying, “Their rules are meant for a handful of expendable launches per year from a few government facilities. Under those rules, humanity will never get to Mars.” Some are predicting shortly after the IPO, the accompanying increase in SpaceX’s valuation will cause Musk’s net worth to cross the trillion-dollar threshold. This isn’t a trivial side effect. Elon Musk is more or less signaling that he is the protagonist of humanity’s future, and everyone else is an NPC. Do you believe that? Then by all means buy the stock (This is not financial advice). #Elon #Musk #Explains #SpaceX #Board #Powerless #FireElon Musk,ipo,SPACEX")
![Elon Musk Explains Why the SpaceX Board Must Be Powerless to Fire Him
In an X post on Friday, Elon Musk warned future shareholders that while returns could be massive eventually, those who invest in SpaceX should not “expect entirely smooth sailing along the way,” and that he must be allowed to focus on his mission of making human life “multiplanetary.” I’m thinking you should heed is warning. After all, if you’re considering buying SpaceX stock, what do you think will happen at SpaceX after the expected IPO next month? You can’t be picturing SpaceX becoming some boring pillar of economic stability like AT&T, can you? Speaking to his employees in February, Musk described his dream for the future of SpaceX as one full of space catapults, a Dyson sphere around the sun, and AI that feeds on secret knowledge previously known only to long-dead aliens.
In other words, if you’re imagining good old fashioned American capitalist enterprise with healthy profits, dividends, and market-friendly competition, like something from a 1940s propaganda film, you’re investing in the wrong company. [embed]https://www.youtube.com/watch?v=eFvOPpBVff0[/embed] To wit: SpaceX’s corporate governance regime will be set up in such a way that the CEO and chairman cannot be fired, according to a report last month from Reuters. SpaceX will have different classes of stock with different power levels. Class A for pension funds and Robinhood users—plebs, in other words—and Class B for people who matter. Class B stock will carry ten times the voting power of Class A stock, and Musk will control the Class B stock.
The IPO filing, part of which is excerpted in the Reuters article, spells this out. Musk “can only be removed from our board or these positions by the vote of Class B holders.” If Musk “retains a significant portion of his holdings of Class B common stock for an extended period of time, he could continue to control the election and removal of a majority of our board.” Basically, Musk stays in both positions as long as he wants, and can easily veto any effort to fire him. Common shares without voting power aren’t rare these days, but a powerless board is. As a Harvard corporate governance expert named Lucian Bebchuk explained to Reuters, “Usually removal of the CEO is a decision left to the board, and controllers rely on their power to replace the board.”
So if you own stock in SpaceX, you’re just along for the ride. On Friday, in response to a Financial Times article about SpaceX’s draconian governance scheme, Musk explained himself. Sort of: Yes, I need to make sure SpaceX stays focused on making life multiplanetary and extending consciousness to the stars, not pandering to someone’s bullshit quarterly earnings bonus! Obviously, IF SpaceX succeeds in this absurdly difficult goal, it will be worth many orders of… — Elon Musk (@elonmusk) May 15, 2026 “I need to make sure SpaceX stays focused on making life multiplanetary and extending consciousness to the stars,” he wrote. He often does this. In response to criticism—or just as often in response to fans shielding him from criticism—he would say some variation on if people are mean to me, humanity will never be multiplanetary.
For instance, when CleanTechnica leapt to his defense after Bernie Sanders criticized him over income inequality in 2021, he replied, “I am accumulating resources to help make life multiplanetary & extend the light of consciousness to the stars.” That same year, in response to handwringing from European finance ministers about his potential monopoly over satellite launches, he posted, “SpaceX is developing rockets needed to make life multiplanetary — full & rapid reusability at large scale.” Also in 2021, when the FAA expressed concern that SpaceX had overstepped his clearance from the federal government, he wrote about how much he hated the FAA’s space division, saying, “Their rules are meant for a handful of expendable launches per year from a few government facilities. Under those rules, humanity will never get to Mars.” Some are predicting shortly after the IPO, the accompanying increase in SpaceX’s valuation will cause Musk’s net worth to cross the trillion-dollar threshold. This isn’t a trivial side effect. Elon Musk is more or less signaling that he is the protagonist of humanity’s future, and everyone else is an NPC. Do you believe that? Then by all means buy the stock (This is not financial advice). #Elon #Musk #Explains #SpaceX #Board #Powerless #FireElon Musk,ipo,SPACEX](https://gizmodo.com/app/uploads/2026/03/elon-musk-laughing-1-1280x897.jpeg "Elon Musk Explains Why the SpaceX Board Must Be Powerless to Fire Him
In an X post on Friday, Elon Musk warned future shareholders that while returns could be massive eventually, those who invest in SpaceX should not “expect entirely smooth sailing along the way,” and that he must be allowed to focus on his mission of making human life “multiplanetary.” I’m thinking you should heed is warning. After all, if you’re considering buying SpaceX stock, what do you think will happen at SpaceX after the expected IPO next month? You can’t be picturing SpaceX becoming some boring pillar of economic stability like AT&T, can you? Speaking to his employees in February, Musk described his dream for the future of SpaceX as one full of space catapults, a Dyson sphere around the sun, and AI that feeds on secret knowledge previously known only to long-dead aliens.
In other words, if you’re imagining good old fashioned American capitalist enterprise with healthy profits, dividends, and market-friendly competition, like something from a 1940s propaganda film, you’re investing in the wrong company. [embed]https://www.youtube.com/watch?v=eFvOPpBVff0[/embed] To wit: SpaceX’s corporate governance regime will be set up in such a way that the CEO and chairman cannot be fired, according to a report last month from Reuters. SpaceX will have different classes of stock with different power levels. Class A for pension funds and Robinhood users—plebs, in other words—and Class B for people who matter. Class B stock will carry ten times the voting power of Class A stock, and Musk will control the Class B stock.
The IPO filing, part of which is excerpted in the Reuters article, spells this out. Musk “can only be removed from our board or these positions by the vote of Class B holders.” If Musk “retains a significant portion of his holdings of Class B common stock for an extended period of time, he could continue to control the election and removal of a majority of our board.” Basically, Musk stays in both positions as long as he wants, and can easily veto any effort to fire him. Common shares without voting power aren’t rare these days, but a powerless board is. As a Harvard corporate governance expert named Lucian Bebchuk explained to Reuters, “Usually removal of the CEO is a decision left to the board, and controllers rely on their power to replace the board.”
So if you own stock in SpaceX, you’re just along for the ride. On Friday, in response to a Financial Times article about SpaceX’s draconian governance scheme, Musk explained himself. Sort of: Yes, I need to make sure SpaceX stays focused on making life multiplanetary and extending consciousness to the stars, not pandering to someone’s bullshit quarterly earnings bonus! Obviously, IF SpaceX succeeds in this absurdly difficult goal, it will be worth many orders of… — Elon Musk (@elonmusk) May 15, 2026 “I need to make sure SpaceX stays focused on making life multiplanetary and extending consciousness to the stars,” he wrote. He often does this. In response to criticism—or just as often in response to fans shielding him from criticism—he would say some variation on if people are mean to me, humanity will never be multiplanetary.
For instance, when CleanTechnica leapt to his defense after Bernie Sanders criticized him over income inequality in 2021, he replied, “I am accumulating resources to help make life multiplanetary & extend the light of consciousness to the stars.” That same year, in response to handwringing from European finance ministers about his potential monopoly over satellite launches, he posted, “SpaceX is developing rockets needed to make life multiplanetary — full & rapid reusability at large scale.” Also in 2021, when the FAA expressed concern that SpaceX had overstepped his clearance from the federal government, he wrote about how much he hated the FAA’s space division, saying, “Their rules are meant for a handful of expendable launches per year from a few government facilities. Under those rules, humanity will never get to Mars.” Some are predicting shortly after the IPO, the accompanying increase in SpaceX’s valuation will cause Musk’s net worth to cross the trillion-dollar threshold. This isn’t a trivial side effect. Elon Musk is more or less signaling that he is the protagonist of humanity’s future, and everyone else is an NPC. Do you believe that? Then by all means buy the stock (This is not financial advice). #Elon #Musk #Explains #SpaceX #Board #Powerless #FireElon Musk,ipo,SPACEX")
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