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Rebecca Murray: The Relentless Advocate Redefining Tax Law in the UK 

Posted on by Shivani Ghadage

In the evolving corridors of tax law, few voices carry the weight, clarity, and conviction of Rebecca Murray. A barrister who defied early rejections and systemic biases, she has emerged not just as a legal powerhouse, but as a bold symbol of what modern leadership in law looks like—intelligent, resilient, and unapologetically authentic. From headline-making court victories to fearless public advocacy, Rebecca’s journey reflects a rare blend of technical mastery and human depth. In this exclusive EN TIMES cover story, we uncover the making of one of the UK’s most influential law leaders—how she redefined her role at the Bar, challenged the status quo, and continues to shape the future of tax litigation and legal integrity in 2025. 

From Boardrooms to the Bar: A Relentless Journey to the Top 

Before she was known as one of the UK’s most formidable tax barristers, Rebecca Murray was a Vice President at J.P. Morgan—navigating high-stakes transactions and multi-layered corporate tax challenges. But in 2008, she made a bold, uncertain leap: she left banking without a pupillage, driven by a vision to practice law on her own terms. 

“I didn’t have a pupillage offer, and I was told I’d never make it at the Bar. But I believed this was where I belonged,” she recalls. That belief would be challenged, tested—and ultimately vindicated. 

Breaking the Mold in a Traditional World 

Rebecca’s entry into the Bar wasn’t just unconventional—it was revolutionary. Joining Temple Tax Chambers in 2009, she was the only woman in chambers. At Devereux Chambers today, she is described as “fearless,” “commercially savvy,” and “exceptionally prepared”—a standout in a field that still struggles with representation and diversity. 

Her early critics underestimated her. “I was told I didn’t look like a barrister. People assumed I was an assistant or client,” she shares. “But I learned to navigate the judgement, stay resilient, and always let my work speak louder than the noise.” 

Turning Trials into Triumphs 

Rebecca’s first real opportunity at the Bar came from a case no one expected her to win: defending a man who was about to lose his home. By meticulously cross-examining HMRC’s witness, she dismantled their credibility and won the case—a pivotal moment that secured her tenancy and launched her courtroom reputation. 

Since then, her case portfolio reads like a masterclass in modern tax litigation: 

  • Eclipse Film Partners v HMRC (SC) 
  • Tower MCashback LLP 2 (SC) 
  • Donaldson v HMRC (CA), and many more across the Court of Appeal, High Court, and Tribunals. 

Her advocacy is admired for its clarity and control. “You don’t need to shout to be powerful,” she says. “Preparation, precision, and perseverance always prevail.” 

Crafting Clarity in Complex Legal Landscapes 

In a field dense with technicality, Rebecca has a rare talent: making the complicated simple. 

Judges and clients alike praise her for concise, structured argumentation—backed by robust evidence notes and logical clarity, a skill she attributes in part to her science background. “Tax is like a language,” she explains. “If you understand its structure, you can teach it, argue it, and translate it.” 

In landmark decisions like Benoit d’Angelin v HMRC, her ability to draw from many different sources of legislation and case law helped reframe the court’s understanding of “value” in corporate transactions—reinforcing her reputation as a barrister who not only interprets the law but shapes its application. 

An Advocate for Justice—in and Beyond the Courtroom 

Rebecca’s influence goes beyond tax. In 2024, she publicly shared her traumatic experience of sexual assault during a hospital stay—a rare and courageous move in the legal world. Her decision to speak out wasn’t about personal justice alone—it was about systemic change. 

“I felt I had to say something. Because silence helps no one,” she says. Her post went viral, sparking nationwide discussions about patient safety, NHS accountability, the conduct of the police, and the duty of care. 

Recognition Earned, Not Given 

Rebecca’s work has earned her a long list of accolades: 

  • Tax Litigation Adviser of the Year 2025 
  • Global Law Experts’ Tax Law Firm of the Year 2025  
  • Corporate INTL Tax Expert of the Year 2025 
  • Finance Monthly Women in Law Award 2023 
  • Pro Bono Junior of the Year 2018 
  • Taxation’s Rising Star 2013 

She is ranked across multiple categories in Chambers UK, Legal 500, and Chambers High Net Worth Guide, and Lexology (formerly Who’s Who Legal) with consistent praise for her technical brilliance, courtroom agility, and collaborative approach. 

As part of the Attorney General’s B Panel, she is regularly instructed in high-level cases involving HMRC, complex avoidance schemes, and judicial review. 

Mentor, Author, Thought Leader 

Beyond the courtroom, Rebecca is a powerful voice for aspiring legal professionals. Her LinkedIn feed is filled with insight, honesty, and encouragement. She embraces imperfection, outside her legal advocacy of course (“Leave the typo—it’s art”) and champions authenticity in a field that often demands conformity. 

Her publications—Tax Avoidance (4th Ed) and contributions to legal guides—are widely referenced, cementing her place as both practitioner and educator. 

Looking Ahead: The Silk Decision and What’s Next 

In 2023, Rebecca completed the King’s Counsel (KC) selection process—only to opt out of reapplying thus far, as most others do. Not out of doubt, but out of clarity. 

“It felt right to press pause,” she says. “Sometimes, we follow what others define as success. I chose to listen to my own voice.” 

That self-awareness defines Rebecca’s path. For her, success is not titles—it’s impact. On clients. On the law. On the profession. 

A Legacy Still in the Making 

Rebecca Murray is not just a tax barrister—she’s a changemaker, a mentor, and a modern advocate who defies expectations. 

Her message to future barristers? “You don’t have to fit in to stand out. Lead with substance. Let your work speak. And never forget—your difference is your strength.” 

Bio 

Rebecca has a tax litigation and advisory practice in Private Client, Corporate Tax and VAT and judicial review, advising and representing all sizes of corporates and individuals and acting for HMRC on the full range of direct and indirect tax issues. 

Recent reported cases include: Trachtenburg v HMRC [2025] UKUT 00206; Benoit d’Angelin v HMRC [2025] UKUT 00212; Moran v HMRC [2025] UKFTT (Transfers of assets abroad); Beresford v HMRC [2024] UKFTT 952 (BPR on office rental); Brindley Place v HMRC [2024 UKFTT 808 (SDLT on acquisition of property complex using JPUT); AD Bly v HMRC [2024] UKUT 104; Benoit d’Angelin v HMRC [2024] UKFTT 462 (BIR on remittances); Bell & Ors v Revenue And Customs [2023] UKFTT 989 (for HMRC, tax relief claimed for shares gifted to charity); Mypay [2023] (umbrella company, temporary workplace travel expenses); NWM [2023] (travel and subsistence); Nourish [2023] EWHC (interim relief by way of restoration of VAT registration); AML Tax (UK) Limited (DOTAS) [2022]; A D BLY [2021] (expense in accounts not wholly and exclusively for the purposes of the trade); Ball Europe [2021] (discovery assessments); Smartpay (DOTAS) [2022] UKFTT; White Collar Financial [2020] UKFTT (DOTAS); Wilson (UT, question whether a member of an LLP was an employee), Sippchoice [2020] UKUT (Payment of shares in discharge of a debt obligation a “contribution paid” to a SIPP), Sippchoice [2017] UKUT 87 (whether pension provider acted reasonably). Atholl House [2019] UKFTT (IR35, whether Kaye Adams was, hypothetically, employed by the BBC); K5K [2019] (IR35); HMRC v Goldsmith [2019] UKUT 325 (landmark case on late filing penalties); HMRC v Rogers [2019] UKUT 406 (landmark case on late filing penalties); Donaldson v HMRC [2016] EWCA Civ 761 (landmark case on late filing penalties); Arthur v HMRC [2017] EWCA Civ 1756 (separation in circumstances likely to be permanent); R (oao Rowe) v HMRC [2017] EWCA Civ 2105 (APNs); Eclipse Film Partners (No 35) LLP, (UKSC,CA,UT,FTT); Tower MCashback [2011] UKSC 19. 

Rebecca has recently acted as sole tax counsel in several UHNW individual divorces, including as parties’ joint expert to the family court; and on the sale and restructure of large businesses and corporate structures including for private reasons (such as IHT and CGT relief maximisation) and restructuring for IPO purposes. She has advised (previously) non-UK domiciled individuals on the LTR and new arrivers rules. She advises Private Equity houses and is well versed on private equity structures. Rebecca also has a varied indirect tax practice and has advised on a range of VAT issues. 

Professional Memberships 

Attorney General’s Panel of Counsel (B Panel); CIOT (Fellow), ATT, TEP, RBA, VAT Practitioners Group. 

Published Tax Books as sole author 

Tax Avoidance (Sweet & Maxwell, 4th ed. 2020). 

CCH British Tax Guide on Corporation Tax 2007-2008. 

AI-Powered Gaming: The Future of Personalised Gaming Experiences 

Posted on by Shivani Ghadage

The gaming world is evolving faster than ever before, and at the heart of this transformation is artificial intelligence (AI). From console and mobile games to online casinos, AI is enabling developers and platforms to offer personalised experiences that adapt to the individual preferences, habits, and skill levels of players. Gone are the days of one-size-fits-all gaming—now, each session feels tailor-made, making gameplay more engaging, rewarding, and even educational. 

Whether it’s dynamic recommendations, customised rewards, or adaptive difficulty settings, AI is pushing gaming into a future where personalization is the new standard. Here’s how it’s happening. 

Smarter Game Recommendations for Every Player 

AI has redefined how players discover new games. Instead of scrolling endlessly through app stores or library menus, algorithms now curate recommendations based on previous gaming habits, playtime preferences, and even emotional responses detected via play patterns. 

For instance, if a player enjoys fast-paced shooters but only engages in short sessions, AI might suggest similar titles that match this style but are optimised for quick gameplay bursts. Likewise, narrative-driven gamers could be guided toward story-heavy RPGs or episodic adventures with branching dialogue. 

This doesn’t just benefit players; it also helps developers ensure their content reaches the right audience. Machine learning models analyse vast data sets to predict what games a user will enjoy, reducing churn and keeping players invested in the platform. 

Adaptive Difficulty Levels: Keeping the Fun Balanced 

One of the most significant shifts in modern gaming is the move towards adaptive difficulty systems. Rather than selecting “Easy,” “Medium,” or “Hard” at the start, players now find themselves in games that adjust difficulty dynamically based on their skill level and in-game decisions. 

This is particularly noticeable in genres like action-adventures and puzzle games. AI systems monitor player performance in real-time—measuring accuracy, reaction times, and failure rates—to fine-tune encounters on the fly. If a boss fight proves too challenging, the AI might slightly reduce enemy health or increase the frequency of health pickups. Conversely, skilled players may face tougher AI opponents and more complex puzzles to keep engagement high. 

Adaptive AI helps maintain a state of “flow,” where challenges feel just right—not so easy they’re boring, and not so hard they’re frustrating. This balance is crucial in keeping players immersed over long periods. 

Customised Rewards and In-Game Economies 

AI is also transforming how players earn rewards in games. Instead of offering static bonuses, many modern systems analyse play styles and motivations to provide tailored incentives. For example, a completionist who enjoys collecting rare items might receive quests centred around exploration, while a social gamer could be rewarded for participating in multiplayer events. 

This level of personalization extends to in-game economies as well. AI can adjust in-game marketplaces based on player demand, ensuring a vibrant ecosystem where supply and demand feel dynamic and responsive. 

In mobile gaming, personalised daily rewards or “streak bonuses” encourage players to return, increasing retention without overwhelming them with irrelevant offers. 

AI in Online Casinos: A New Era of Personalised Play 

Online casinos are one of the industries where AI’s impact is most evident. Platforms are using machine learning algorithms to personalise the user journey from start to finish. This includes suggesting games based on a player’s preferences, offering custom bonuses that align with their betting habits, and even predicting when a player might need assistance to avoid problematic play patterns. 

For users looking beyond traditional platforms, non-GamStop casinos are another excellent option. These sites often use AI to create more flexible and tailored experiences for international players who want fewer restrictions. Advanced AI-driven chatbots provide seamless customer support, while predictive analytics helps operators understand player trends and optimise promotions accordingly. 

The result? A smarter, safer, and more engaging gaming environment that appeals to both casual players and seasoned bettors alike. 

Emotional AI: Understanding Player Moods 

One of the most futuristic applications of AI in gaming is emotion recognition. Using facial recognition software, voice analysis, and biometric sensors, games can detect a player’s mood and adjust accordingly. 

Imagine a horror game that ramps up intensity only when it senses you’re relaxed, or a calming simulation that tones down challenges if it detects signs of stress. These systems create more empathetic experiences, turning games into responsive worlds that feel alive. 

AI and Accessibility: Gaming for Everyone 

AI isn’t just about making games more personal—it’s about making them more accessible too. Speech-to-text, predictive controls, and adaptive interfaces are helping players with disabilities enjoy games like never before. 

AI-driven tools can remap controls automatically for players with limited mobility or generate real-time subtitles for those with hearing impairments. By learning about a player’s specific needs, these systems remove barriers and open gaming to wider audiences. 

The Future of Personalised Gaming 

The future promises even more innovation as AI technologies evolve. We can expect hyper-personalised storylines, procedurally generated worlds that adapt to our decisions, and multi-player matchmaking systems that factor in personalities as well as skill levels. 

However, this personalization also raises questions about data privacy and ethical design. As developers gather more information to tailor experiences, maintaining transparency and protecting user data will be essential. 

Final Thoughts 

AI-powered gaming is changing the way we play, from personalised recommendations and adaptive challenges to tailored rewards and emotionally responsive worlds. For online casinos, AI adds another layer of sophistication, offering smarter tools and better user experiences—even on platforms like non-GamStop casinos, where flexibility is a priority. 

As artificial intelligence continues to evolve, so too will the ways we engage with games. For players seeking deeper immersion, more thoughtful design, and experiences that feel like they were made just for them, the future of gaming has never looked brighter. 

The New Luxury? Going Offline : Try This 7-Day Detox Plan 

Posted on by Shivani Ghadage

A digital detox that doesn’t just reset your screen but rewires your soul. Do you ever feel mentally cluttered, tired even after a full night’s sleep, or strangely disconnected from real life, despite being connected to everything online?

From work emails to binge-worthy shows, endless Instagram reels to constant WhatsApp pings, our attention is on lease. We’re always “on,” yet rarely present. But the rising global trend of digital detox is changing the narrative. It’s not about vanishing into the woods or quitting tech; it’s about redefining how we interact with it.

This blog isn’t your typical “delete-all-your-apps” advice. It’s a realistic, empowering, and sustainable 7-day detox plan that anyone can do without guilt, anxiety, or overwhelm.

Detox Starts with Awareness (Audit Your Digital Life)

You can’t change what you’re unaware of. Today, start by simply noticing.

Use tools like Screen Time (iPhone) or Digital Wellbeing (Android) to understand where your hours vanish. Apps like RescueTime or Moment can also give a detailed breakdown.

Ask yourself:

● Which apps do I open reflexively?

● What time of day do I scroll the most?

● Which platforms drain me versus energize me?

This isn’t about shame; it’s your starting line. And every detox starts with self-honesty.

Set Boundaries with Apps & Notifications

You don’t need to go cold turkey. Begin with smart limits. Use app timers (Instagram, TikTok, Twitter) to restrict usage. Switch off non-essential notifications. Move addictive apps off your home screen or into folders. You’ll be surprised how little temptation remains when things aren’t front and center. Think of this as curating your digital diet. Just like healthy eating, a detox works best when you make better choices and mindless habits harder.

Reclaim Mornings: No Screen for the First Hour

How you begin your day sets the tone for everything that follows. For the next 24 hours, try this: no screen for the first 60 minutes after you wake up.

Instead:

● Journal your dreams or to-dos.

● Meditate or stretch.

● Sip your chai or coffee while watching the sunrise.

● Read a few pages from a real book.

This digital detox ritual reduces stress hormones, boosts mood, and nurtures clarity before the chaos of the day begins.

Rewire with Real Conversations

You don’t need more likes; you need genuine presence. Today, intentionally prioritize face-to-face or voice interactions over DMs or texts. Instead of commenting “Wow” on someone’s story, call them. Instead of reacting to a meme, share a memory. Real connection happens in the pauses, in the warmth of a laugh, or in a deep silence, none of which happen through typing. This day of detox reminds you what digital life often erodes: meaningful connection.

Replace the Scroll with Soulful Activities

You say you “don’t have time,” but maybe you just need to reclaim it. Challenge: For every 30 minutes you’d usually scroll, do something analog. Paint. Cook. Dance. Sketch. Journal. Bake. Garden. Walk. Let this be the day you rediscover joy without Wi-Fi. This phase of the detox isn’t subtraction; it’s soulful substitution.

Build a Digital-Free Evening Routine

Your brain needs time to unwind, not just shut down. Two hours before bedtime, shut down screens. Replace Netflix or doomscrolling with:

● A bath or warm shower.

● Guided meditation or relaxing music.

● A gratitude journal.

● Cozy reading under soft lights.

Research shows screens delay melatonin release, the hormone that regulates sleep. This evening detox not only improves rest but also helps you wake up refreshed and clear-headed.

Reflect, Realign & Reinforce

Take time to journal:

● What changed this week?

● What surprised you?

● What was hard? What felt liberating?

● Which new habits will you keep?

Remember, this detox wasn’t about removing tech; it was about reclaiming your attention.

You might decide to do a weekly no-screen Sunday, limit social apps to 30 minutes/day, or have tech-free dinners with loved ones. Whatever your rhythm, let it be intentional. You’re not going “offline.” This plan works because it doesn’t shame or scare you. Instead, it gently returns you to yourself, your creativity, clarity, calm, and curiosity.

Here’s what a digital detox gives back:

● Better focus and productivity

● Deep sleep

● Emotional balance

● Stronger relationships

● Time for things that truly matter

In a culture that profits off your distraction, protecting your peace is revolutionary.

Conclusion

In a world obsessed with constant connection, choosing disconnection is a form of healing. This isn’t just about digital boundaries; it’s about emotional breakthroughs. A detox isn’t about cutting it off; it’s about tuning in. It’s about noticing that your joy isn’t on a screen, your creativity isn’t in a reel, and your peace isn’t tied to a ping. So go ahead and log out to check back into Your Life.

AI in Public Relations: How Brands Can Keep Up in 2025

Posted on by Shivani Ghadage

PR in 2025 isn’t what it used to be. Brands are using AI to pitch faster, write smarter, and monitor what people say about them in real time. But here’s the catch: none of that matters if your story doesn’t resonate with real humans. AI is the assistant, not the author and the brands that strike that balance is winning. That’s where Snerk PR steps in. They blend data with storytelling that actually makes people care.  

So, What’s Going on With PR Lately?  

You used to need a Rolodex, a good hook, and maybe a martini lunch to land a headline. These days? You need algorithms, media databases, and enough charm to stand out in a sea of pitches generated by AI.  

The whole game has shifted. Journalists are swamped. Brands are scrambling to sound fresh. And AI is stepping in to speed up everything from outreach to writing to data crunching.  

But faster isn’t always better. The truth is that people still connect with people. Not stiff, formulaic pitches. Not auto-generated fluff. That’s why smart brands are asking, “How do we keep up with the tech while still sounding like ourselves?”  

Short answer? Work with folks who don’t just know how to use AI but know when to ignore it. Snerk PR falls into that rare camp.  

What’s Changed Since 2020?  

Let’s start with the numbers.  

According to PRWeek’s 2024 survey, 64% of PR pros now use AI tools for media monitoring and campaign planning. Over at HubSpot, a 2024 report showed more than 70% of marketers use at least one AI tool at work.  

AI tools like Muck Rack, Propel, and even ChatGPT are writing pitches, tracking journalist beats, and identifying media opportunities that used to take hours of grunt work.  

And yes, it works. Pitch open rates are getting smarter. Sentiment analysis is more accurate. Press cycles are shorter. Everyone’s moving faster. But if your content reads like a chatbot, no one’s listening. 

Even as the tech improves, the expectations have evolved. Brands are now expected to respond in near real time while still delivering messaging that feels personal and emotionally intelligent. That’s a tall order, even for AI.  

Media Outreach: Quicker, yes. Better? Depends.  

There’s no denying AI has made media outreach less of a slog. Instead of scanning LinkedIn and building media lists manually, platforms now tell you who’s writing about your niche and when they’re likely to open your pitch.  

But just because AI makes something easier doesn’t mean it makes it good.  

I once used an AI template to pitch a podcast host. It hit every keyword. Had the right subject line length. Even personalized the intro, except it called him “Julie” instead of “James.” Twice. I never heard back.  

Lesson learned: AI helps, but it doesn’t replace basic human awareness. Snerk’s approach? Use AI to find the right person, then pitch them like one. 

Good outreach still hinges on timing, tone, and relevance—things AI can’t always get right. Sometimes it’s the quirky reference or timely pop culture nod that gets the reply, not the SEO-perfect intro.  

Journalist Relationships Still Matter  

Journalists can smell automation from a mile away. They’re getting hundreds of pitches a day, and the ones that stand out usually aren’t the most polished—they’re the most real.  

That’s the edge human-first agencies still have. They build actual relationships. They follow up with a thoughtful note, not a triggered sequence. They know that sometimes a GIF does more than three paragraphs of keyword-stuffed copy.  

Snerk PR plays the long game here. They use AI for insight, not impersonation. And that’s why their pitches don’t just land; they stick. 

More importantly, these relationships help brands stay relevant even when they’re not launching a new product or making headlines. Consistency builds credibility.  

AI Can Write. But can it write you?  

Let’s talk content.  

Sure, AI can write press releases. And emails. And headlines. And yes, you can ask it to “make it funnier” or “more confident” or “less robotic.”  

But there’s a reason so many AI-written pieces feel forgettable.  

You’ve probably read one before. It says all the right things. It’s formatted correctly. And it leaves you with absolutely no memory of what you just read.  

That’s where Snerk PR stands out. They use AI to sketch the rough idea, but then they run it through real writers who know voice, tone, and how to entertain people. Their slogan says it best: “We have words.” And they mean it. 

The best PR copy has rhythm, humor, friction, and even a little attitude. That kind of nuance doesn’t come from a machine. It comes from humans who’ve spent years studying how words move people.  

So, how can brands keep up?  

The good news? You don’t need to be a tech wizard or start learning machine learning on the weekends.  

Here’s what helps: 

  • Use AI tools to spot trends, build media lists, and outline first drafts  
  • Don’t let them write everything, especially not the heart of your message.  
  • Check every pitch with your human brain before hitting send.  
  • Stick to real stories, relatable angles, and humor when it feels right.  

Snerk PR doesn’t try to automate authenticity. They use AI to cut down the boring stuff and spend more time crafting ideas that connect. From bold earned media placements to wild, unorthodox paid campaigns, they know how to keep things fresh without losing the plot. 

And yes, it’s okay to let AI do the heavy lifting; just make sure it’s lifting the right things.  

Conclusion  

AI is here. That’s a fact. But so is noise. And the brands that are standing out in 2025 aren’t the ones yelling louder; they’re the ones that still know how to tell a good story.  

Snerk PR gets that. They use the best PR tools for brands to work smarter, but they still bring human instinct, strategy, and a little bit of edge to everything they do. Because sounding unmistakably human might just be your biggest competitive edge now that AI is quietly taking over.  

If you’re tired of sounding like everyone else, maybe it’s time to get weird in a good way. 

Author Bio  

Harry Maugans is the CEO of Snerk Media, a PR agency built for brands with something to say and the guts to say it loud. Known for helping brands stand out without selling out, he combines analytical insight with compelling storytelling to spark attention and action. When not in the thick of media strategy, Harry indulges his love for the ocean as a passionate beach aficionado.  

NEXT: The Ethical Implications of Using AI as a Decision-Making Partner 

Top 7 Passive Income Trends in 2025: Earn Without Lifting a Finger 

Posted on by Shivani Ghadage

In 2025, passive income isn’t just smart. It’s a luxury, achievable strategy. With the coordination of AI, automation, and digital platforms at our fingertips, nowadays Earning money no longer means working around the clock; it’s about quality and smart work. Whether you are a student, freelancer, or aspiring entrepreneur, new tools and technologies are making it a piece of cake to build income streams that run on autopilot. Here we don’t need a big investment, just the right mindset with a fully planned path along with the willingness to start. From the apps that earn while we & the world sleep to the digital products that sell themselves, the future of earning is here. Get ready to make your money work for you. Let’s explore the top trends. 

AI-Powered Content Creation: Turn Your Ideas into Income 

In 2025, the digital economy is going through a big change that combines knowledge with ease of access. The truth is that professional writers, designers, and developers are still very important when it comes to making digital content good. They are irreplaceable because they can think strategically, bring ideas to life in creative ways, and build things that are deep. But what’s different? It’s how we make things and who gets to help. 

Smart tools like ChatGPT, Jasper AI, and Sora have made it possible for anyone to make content, not just professionals. These platforms have made it easier and faster than ever for students, solopreneurs, creators, and small business owners to turn their ideas into real things. 

Print-on-Demand Stores: Build a Brand Without Stock or Stress 

Just Imagine You are running your own merchandise business without ever touching inventory or worrying about shipping. Same, Wise, that’s exactly what print-on-demand platforms like Redbubble, Teespring, and Printery offer. You can also experiment with trending quotes, seasonal themes, or niche artwork. The more unique your product, the more likely it is to stand out. You simply need to upload your design on the products like T-shirts, mugs, phone cases, or tote bags, and the platform takes care of the remaining things, from production and packaging to delivery. Even if you are from a non-design background, tools like Canva and Mid journey can help you create stunning, aesthetic artwork using just simple prompts and templates. No graphic design skills are needed. Start small, stay creative, and let the platform do the heavy lifting while you build your passive income brand. 

YouTube Automation: Earn from Content Without Ever Being on Camera 

In 2025, you don’t need to be a YouTuber to make money on YouTube. With YouTube automation, you can build an entire channel without showing your face or using your voice. Using AI voiceovers, stock videos, and freelance editors, creators are launching faceless channels that run almost on autopilot. Popular topics like motivational quotes, top 10 lists, finance tips, and health facts continue to attract millions of views. What’s the best part? Some creators are earning over $2,000/month without ever recording a single clip themselves. If you’ve got ideas and vision, the camera doesn’t need you; your content does. 

Fractional Real Estate: Smart Investing, One Step at a Time 

In India, platforms like Grip Invest and Jupiter Edge are making this opportunity accessible, transparent, and fully digital. It’s not about owning an entire building; it’s about owning a piece that works for you. Start small. Think big. Let your money grow while you focus on your future. Many platforms offer properties vetted by experts, and investors receive regular updates and rent payouts directly to their accounts. It’s a hands-off, secure way to start building wealth through real estate even as a beginner. 

Conclusion 

The world of passive income isn’t reserved for the wealthy anymore. It’s open to anyone with vision and initiative. With the right tools, a smart mindset, and a sprinkle of creativity, you can earn while you sleep, study, or build your dream business. 


Joe Garber: Empowering Marketing Leadership in the AI Era 

Posted on by Shivani Ghadage

In the fast-paced world of B2B marketing, the difference between failure and success often comes down to a leader’s ability to empower. By building a framework and a team that enables one to delegate authority, a leader can maximize output and set the foundations for scale.  

Few leaders have embodied the concept of empowerment more than Joe Garber. A multi-time CMO and current fractional CMO practice lead for Kainos Consulting, a 20-year-old management consulting firm, Garber has served on the front lines of numerous success stories.  

As CMO of Axiad, a cybersecurity software vendor serving enterprise and public sector customers, he led a complete overhaul of the marketing department. This included a comprehensive rebranding effort, the construction of a modern demand generation engine and MarTech stack, and a realignment of several internal and outsourced resources.  

Two years later, the company notched its best four individual quarters (from a marketing funnel perspective) in its 12-year history and 100% net-new ARR growth year-over-year. Axiad was also recognized as a finalist for “Excellence in Brand Activation & Experience” in Gartner Research’s annual marketing and communications awards and he was named CMO of the Year by GRC Outlook Magazine following these efforts. 

Garber has similarly led growth initiatives for $200M+ business units at Hewlett Packard Enterprise, Quest Software, and HP and for early-stage companies like RenewData. He is quick to point out that his success is built on his ability to leverage the strengths and passions of those around him, however. 

“Business success ultimately comes down to growth, and rarely is that accomplished on your own. The most successful executives I know recognize they have strengths and weaknesses, and they know how to tap into others – and leverage technology and process – to close the gaps. But that success isn’t just accomplished simply through delegation. It’s about building clarity, culture, and consistency across teams, and then aligning strategy, process, and purpose.” 

Demand Built on Empowering Extended Teams 

Garber has led demand generation teams for more than 15 years – crafting strategy and leading execution via direct or matrixed teams in up to 50 countries worldwide. He naturally has learned to delegate to trusted individuals who directly report to him. But he has also learned how to empower extended teams to build sustainable pipeline as well. 

For instance, he is a believer in outsourcing certain highly specialized or hard-to-retain roles to third parties. At Axiad, he outsourced digital marketing to a specialized media agency for SEO optimization, plus executing pay-per-click and paid social campaigns that required a unique skillset. He also shifted outbound calling resources (business development representatives) to an outside organization that specialized in attracting, training, and retaining these valuable assets.  

A common thread to success in empowering these outside teams is alignment on the fundamentals. Garber is quick to make sure that any supporting function is clear on who they are marketing to (the ideal customer profile and target personas), core messaging, and what success looks like (as defined by target metrics or KPIs). 

Growth Driven by Customer Empowerment 

Oftentimes, marketing is so focused on building demand via new logos that it takes its eye off another important element to growth – existing customers. According to Garber, this is a recipe for business slowdown, as customers who are feeling unfulfilled often jump to competitive offerings. This churn of course leads to lower net revenue retention (NRR) but also requires more expensive outreach to net-new prospects to make up the difference.  

As former head of corporate marketing for a global public company, Garber was responsible for customer advocacy across thousands of the company’s buyers. He understood the importance of connecting with them to gather testimonials and “voice-of-customer” that could help build the organization’s market credibility. He soon realized that another core part of his role was to gather feedback from these customers for empowering them to attain maximum value from their investments. 

Garber executed customer events on five continents, employed teams to regularly touch base with these organizations and solicit input from them, and organized executive-level advisory boards to foster open dialogue. He also actively engaged with industry analysts who served as a proxy for emerging customer needs. He then formalized a mechanism for gathering and codifying this information to ensure this critical insight was delivered to appropriate product development teams. That company subsequently registered a successful exit at nearly $6B.  

Scale Via Empowering (AI) Technology  

Empowerment is not only applicable to people, and this is particularly true at this juncture in history as artificial intelligence becomes a trusted marketing ally. Garber has embraced this technology and employs it for a variety of business-critical actions, including:  

  • Segmentation: Refining the ideal customer profile and identifying new potential “more like this” targets. 
  • Market Analysis: Extracting customer insights and understanding buying propensity by applying predictive analytics to intent data.  
  • Content Creation: Developing marketing copy, subject lines, voiceovers for demos, and imagery that underpins the company narrative.  
  • Digital Marketing: Inspiring offers and content plus informing advertisement targeting and retargeting.  
  • Engagement: Leveraging chatbots to quickly interact with customers and prospective customers to ascertain needs and resolution.  
  • Optimization: Monitoring of data trends to get the most out of search engine optimization, lead scoring and routing, asset performance, and more. 

Garber not only uses this technology, but in fact takes certain steps to let it act largely on its own – without significant human oversight – in an “agentic” fashion.  

He does not take letting technology act autonomously lightly, however, and he is conscious about its risk to brand and company if technology is left unchecked. He notes that it is critical to establish unambiguous policies about corporate IT, brand, and privacy to serve as guardrails as the technology performs actions on behalf of the function, and that cybersecurity checkups should regularly be performed to ensure a side door isn’t inadvertently left open for bad actors.  

In Summary 

Joe Garber’s impact as a business leader goes far beyond metrics—it’s rooted in his unwavering belief that empowerment drives excellence. Whether he’s scaling marketing across continents, elevating customer voices, or harnessing the power of AI, Garber consistently builds frameworks where people, partners, and platforms thrive together. His legacy isn’t just growth; it’s growth that lasts because it’s built on trust, clarity, and collaboration. In an era of constant change, Garber stands out as a business leader who doesn’t just adapt – he empowers others to lead alongside him. 

Joe Garber Bio 

Joe Garber is a fractional Chief Marketing Officer at Kainos Consulting, where we advises early-to-mid-stage organizations on marketing strategy and execution. He has more than 15 years of marketing leadership experience, with marketing VP-level roles at startups and billion-dollar companies like Hewlett Packard Enterprise, Quest Software, and HP. 

NEXT: AI in Public Relations: How Brands Can Keep Up in 2025


Global Business 3.0: Building a Borderless Brand Today 

Posted on by Shivani Ghadage

What if your brand could speak every language without saying a word? In the fast-evolving world of Global Business 3.0, traditional growth playbooks are no longer enough. We’re entering an era where cultural intelligence, digital agility, and emotional resonance are your brand’s most powerful currencies. It’s not just about expanding markets anymore. It’s about creating borderless brands that feel local everywhere and connect deeply anywhere. 

This is the dawn of businesses that don’t just scale but serve with soul. Where trust, adaptability, and relevance are non-negotiable. Brands that embrace this shift are not only growing across continents they’re winning hearts across cultures. 

Why Borderless Brands Win Now 

The global market is vast but also crowded. What sets winning brands apart? 

  • Personalization across regions 
  • Purpose-led messaging 
  • Consistency with flexibility 

Your brand must feel local in Tokyo and trusted in Toronto. Consumers crave authenticity, relevance, and trust. They aren’t just buying your product, they’re investing in your values, your vision, and how you make them feel. Brands that adapt while staying consistent build deeper, lasting loyalty. 

Cultural Intelligence: The New Brand Currency 

Borderless branding demands more than translations. It demands true cultural fluency: 

  • Hire and empower local talent 
  • Localize messaging with insight, not assumption 
  • Honor culture not just market 

Smart global brands don’t just show up they belong. They co-create with local voices, celebrate cultural milestones, and embed themselves in the community. The ability to genuinely connect and honour people’s identities is what elevates a brand from global to meaningful. 

Digital-First, Human Always 

In Global Business 3.0, digital is your storefront. But your success depends on emotional depth, not just digital reach: 

  • Personalized platforms with regional UX 
  • Omnichannel experience across mobile, web, and retail 
  • Thoughtful content that speaks to local hearts rooted in real stories, shared emotions, and everyday relevance 

Technology gives us the platform. Empathy gives us the message. The best global brands feel personal and seamless, no matter where or how customers engage 

Think Global, Act Local 

Being everywhere means nothing if you don’t understand the people you’re trying to reach. Borderless brands scale local impact: 

  • Collaborate with regional creators and micro-influencers 
  • Tailor product and campaigns to local culture and habits 
  • Use data to shape brand voice by region 

Today, global success = hyperlocal strategy + global values. Go deep before you go wide. Think like a startup in each new market. 

Lead with Trust, Show with Action 

In a post-pandemic world full of scepticism, trust is currency. Consumers follow brands that: 

  • Lead with values and purpose 
  • Practice radical transparency 
  • Prioritize inclusion, sustainability, and social good 

They don’t want promises. They want proof. In this era, people aren’t looking for perfection they’re looking for real: honesty, intention, and accountability. Brands must walk their talk across every language, every region, and every platform. 

Storytelling That Transcends Borders 

Borderless brands are master storytellers. They create narratives that: 

  • Center around shared human experiences 
  • Celebrate diversity while embracing unity 
  • Align customer stories with brand mission 

Great stories travel. They don’t get lost in translation; they get amplified. Global Business 3.0 means building brand stories that invite participation, create emotion, and spark trust across time zones. 

Collaboration is the New Expansion 

Instead of expanding alone, brands are collaborating across borders: 

  • Partnering with mission-driven organizations 
  • Launching cross-cultural campaigns 
  • Building co-branded experiences with community input 

Borderless success is no longer about size, it’s about shared value, shared growth, and shared impact. The best brands of this decade will lead like ecosystems, not empires. 

From Static Strategy to Fluid Framework 

Global Business 3.0 is agile, not rigid. The future belongs to brands that: 

  • Monitor real-time global trends and conversations 
  • Empower local teams to act fast 
  • Adapt offerings and content with cultural sensitivity 

The old model of HQ-led globalization is outdated. Today’s borderless brands listen louder than they speak. They move like culture does fast, inclusive, and responsive. 

Conclusion 

In today’s world, building a borderless brand is no longer a competitive edge, it’s a global necessity. Global Business 3.0 demands that brands lead with empathy, adapt with agility, and connect with cultural relevance. The future belongs to brands that don’t just expand, they truly connect. That doesn’t just scale but sustain. And that doesn’t just sell but serve. Because in this new world, your success isn’t about how many countries you reach, it’s about how deeply you’re trusted across them all. A borderless brand doesn’t erase differences, it celebrates them. And in that celebration, we find the most powerful business growth of all human connection. 

The Ethical Implications of Using AI as a Decision-Making Partner 

Posted on by Shivani Ghadage

AI’s advanced systems and algorithms may process data faster than humans, but more indiscriminately. Its efficiency makes it a tempting tool for entrepreneurs and executives eager to streamline their operations, cut costs or gain a competitive edge. However, ethical cracks show in your systems when you give artificial intelligence free rein in decision-making processes.   

Overreliance Without Understanding 

AI tools often appear foolproof on the surface. Trusting them unquestioningly can be dangerous, especially when users don’t fully understand conclusions or how those systems reach them because of a lack of transparency in the decision-making process. The complexity of deep learning, where neural networks process data in layers, means outcomes are often untraceable, even to developers.  

The more businesses rely on AI to guide decisions, the higher the risk of significant missteps when the algorithm goes wrong. This is especially harmful in industries like health care, finance or recruitment, where machine-driven decisions have the power to affect lives negatively. Machine outputs can be misleading, discriminatory and flat-out wrong.  

The Illusion of Expertise 

Most people who claim to “use AI” are experimenting, not engineering. While many organizations report a high level of AI adoption, the reality is that employees may say they’re confident in using it, but only 12% of staff have actual working experience using artificial intelligence technologies. This gap between perception and reality feeds into misplaced trust.  

When teams don’t understand how a model is trained or what data it draws on, they’re unlikely to challenge its outputs — even when something feels off. That false sense of competence creates openings for unethical use, unconscious bias and missed red flags.  

Trusting Black Boxes 

Artificial intelligence technologies seem to be developing faster than humans can keep track, and systems built on large neural networks with deep learning algorithms are known as “black boxes” with obscure inner workings. Yet companies increasingly treat system outputs as objective.  

That’s the real problem. You can’t evaluate fairness or legality if you don’t know how machines decide on a recommendation or action. The lack of transparency makes it harder to contest outcomes, explain actions to stakeholders or spot system errors because of faulty reasoning.   

Accountability Is Still a Human Characteristic 

A machine can recommend, but it can’t be held accountable. Even when AI drives a decision, the human behind the development must answer for its impact. This applies to business leaders, developers and anyone integrating AI into workflows.  

Oversight defines who’s responsible, how decisions are reached, how performance is audited and what happens when things go wrong. Clear accountability frameworks are essential and have already been suggested in clinical settings. Businesses expose themselves to reputational, financial and legal risk without that structure.  

Biased Datasets — Compromised Results  

Algorithms reflect the data they’re trained on, and most historical datasets are riddled with bias, and sets compiled by humans also contain biases. Whether it’s underrepresentation in training samples or skewed outcomes from decades of discrimination, AI can amplify existing inequalities rather than correct them.  

Even well-intending systems can perpetuate harm. Without proactive testing, refinement and diversified development teams, bias seeps in quietly and becomes normalized.  

Ethical Data Use and Security 

AI doesn’t just process public data. It often absorbs sensitive personal information, sometimes without consent, while also leaving watermarking or embedded signals on the output. Poorly secured data pipelines can open businesses to sophisticated cyber attacks, legal violations, competitive risk and exploitation.  

When proprietary or customer data gets fed into large-scale models, it’s not always clear where that information ends up or who has access. One slip could be catastrophic in sectors with regulatory burdens, such as health care or finance.   

Guardrails for Ethical Use and Decision-Making 

AI isn’t inherently unethical. The challenge is in its application, and whether organizations put guidelines and quality checks in place. An example of an ethical AI application is “Constitutional AI” as used by Claude AI with greater responsibility. 

Human oversight is essential to ensure that outputs are ethical, legal and aligned with company values. These controlling steps aren’t just best practices — they’re survival strategies in an increasingly AI-reliant world.  

To use AI responsibly, businesses should: 

  • Establish oversight thresholds for when human review is required. 
  • Run system performance audits regularly to catch bias or drift.  
  • Maintain audit trails to show the decision-making steps to assist with accountability. 
  • Define what accountability looks like, so responsibility doesn’t get passed to the machine. 
  • Prioritize transparency in internal processes and customer-facing policies. 

Use AI With Eyes Wide Open 

AI should support decision-making, not replace it. It’s a powerful tool, but not a moral agent. The smarter your systems get, the more important human ethics, transparency and accountability become.  

If you’re relying on AI to help you make business-critical decisions, you can’t afford to let convenience override caution. Ask how your systems work, and question their inputs and outputs. Make sure there’s always a person — not a black box — behind your company’s choices.  

Photo by Google DeepMind on Unsplash

FAQ 

Is It Ethical to Use AI in Decision-Making at All?  

With responsible design, transparent processes and human oversight, using AI in decision-making and automation can be ethically sustainable. Ethical use depends on how AI is integrated and monitored.  

What Is the Biggest Ethical Risk of Using AI?  

Unjustified trust in opaque systems that may carry hidden bias leads to unfair or harmful decisions without accountability.  

How Can Companies Ensure Responsible Use of AI?  

By developing internal frameworks for oversight, ensuring transparency, running regular audits and involving diverse stakeholders in system design to create comprehensive datasets for better outputs.  

What Role Should Humans Play When AI Features in Decision-Making?  

Humans should act as informed overseers. That means understanding how the AI works, validating its outputs and stepping in when ethical, legal or contextual judgment is needed. AI can assist, but final accountability must stay human.  

Jack Shaw, a seasoned writer and senior editor of Modded Magazine, harnesses his technological expertise to unravel the complexities of business innovation for a diverse readership. His insights can be seen in publications including Safeopedia, USCCG and Insurance Thought Leadership, guiding industry professionals through the evolving digital landscape. 

NEXT: AI in Public Relations: How Brands Can Keep Up in 2025

Future of Healthcare 2025: 6 Game-Changing Trends to Watch 

Posted on by Shivani Ghadage

Healthcare is no longer confined to hospital walls or annual checkups. In 2025, care is continuous, personalized, and rooted in both science and empathy. From virtual-first models to AI diagnostics and climate-conscious facilities, we’re stepping into a future where wellness is proactive, patient-driven, and powered by technology. This isn’t just a digital upgrade; it’s a human revolution in healthcare delivery. Below are six transformative trends that are redefining care for good. 

Personalized Preventive Care 

Forget one-size-fits-all medicine. 2025 is about customization. Thanks to precision medicine and genomic sequencing, treatments are now tailored to your DNA, reducing side effects and improving outcomes. Healthcare providers can identify disease risks early and create proactive care plans. Even wearable medical devices like ECG-enabled smartwatches and continuous glucose monitors are now integrated into EHR systems. These tools transform routine checkups into ongoing health insights, enabling providers to prevent complications before they start. 

AI-Driven Diagnosis 

Doctors now work hand-in-hand with AI-based diagnostic tools, especially in radiology, dermatology, and ophthalmology. These technologies help detect early signs of diseases like cancer or diabetic retinopathy with stunning precision. The goal isn’t to replace clinicians but to enhance their decision-making and reduce burnout. 2025 is also seeing machine learning models being used to flag high-risk patients, improve triage accuracy, and optimize treatment timelines bringing much-needed speed and clarity to healthcare systems globally. 

Virtual-First Healthcare 

Once considered a stopgap solution, telehealth is now a first-choice pathway. Insurers are embracing virtual-first care models that streamline minor ailments, therapy sessions, and chronic condition check-ins, all without the need to visit a clinic. 

Video consultations, remote patient monitoring, and AI chat triage now form a digital health ecosystem, making healthcare more accessible, especially for rural, elderly, and underserved populations. Distance is no longer a barrier; it’s an opportunity. 

Digital Mental Wellness 

Mental health tools have gone beyond self-help tips. Today’s apps deliver clinically proven therapies and predictive tools using voice tone analysis, behavior patterns, and biometric cues to track emotional well-being. VR therapies are now helping patients with PTSD, while AI-guided CBT apps provide customized, affordable mental healthcare at scale. These tools are not replacing therapists but making care more approachable and available to those who previously went without it. 

Sustainable Ethical Systems 

Healthcare is now going green. With the sector contributing nearly 5% to global emissions, 2025 brings planet-positive healthcare facilities into focus. Hospitals are adopting solar energy, eliminating single-use plastics, and redesigning supply chains to cut waste. Meanwhile, ethical care practices like inclusive treatment design, accessibility-first technology, and diverse clinical trial representation are no longer nice-to-haves; they’re non-negotiable. Healthcare in 2025 isn’t just about better treatment. It’s about building trust and accountability. 

Social & Data Impact 

In 2025, healthcare isn’t just about your symptoms; it’s about your story. Social determinants of health like housing, food access, education, and air quality are now logged in patient records. AI tools flag risks, and community care coordinators step in with solutions before crises arise. At the same time, with rising cybersecurity threats, blockchain in healthcare is gaining traction. Encrypted, tamper-proof health records allow patients to securely control their own data, while hospitals share information seamlessly, creating a safer, more connected care experience. 

Conclusion 

The healthcare trends of 2025 are more than innovations; they’re a shift in mindset. Technology isn’t replacing care; it’s enhancing compassion, personalization, and equity. From smart diagnostics and virtual-first systems to greener hospitals and secure, human-centered tech, this new era is designed to meet people exactly where they are. In this transformation, healthcare becomes what it was always meant to be: accessible, trustworthy, and deeply human. The future isn’t just faster; it’s more thoughtful. And that’s the kind of revolution worth believing in. 

Beyond the Buzzwords: What Innovation Really Looks Like in 2025 

Posted on by Shivani Ghadage

In a world oversaturated with jargon like “disruption,” “digital transformation,” and “next-gen tech,” the real meaning of innovation has gotten lost in translation. As we navigate through 2025, it’s time to strip away the hype and ask a vital question: What does real innovation actually look like today? True innovation goes beyond big promises; it delivers real-world results. It’s rooted in solving meaningful problems, serving people, and driving sustainable impact. From AI to green tech, and from ethics to accessibility, innovation in 2025 isn’t about who’s trending; it’s about who’s transforming. This year, the smartest companies are thinking deeper, moving faster, and building with heart. 

Purpose-Driven Innovation 

Today’s forward-thinking businesses aren’t just innovating for profit; they’re solving real problems with lasting impact. In 2025, purpose is the new north star for innovation. Whether it’s designing sustainable supply chains or using data to improve healthcare outcomes, companies are aligning technology with human needs. Brands like Patagonia, Unilever, and Tesla continue to lead by example, using innovation to reduce their carbon footprint, increase product accessibility, and shift entire industries toward responsibility. Purpose-driven innovation builds trust, drives loyalty, and delivers value that extends far beyond the balance sheet. 

Power of Cross-Industry Collaboration 

Innovation thrives at intersections. In 2025, breakthroughs are being born where sectors collide. Finance meets climate science, healthcare joins forces with wearables, and AI accelerates logistics. Cross-industry collaboration unlocks unexpected solutions and sparks faster progress. These partnerships combine domain expertise with fresh thinking, allowing companies to co-create services that are scalable, data-smart, and human-centric. 

Designing for Humans First 

Human-centered design isn’t new, but in 2025, it’s the difference between innovation that sticks and innovation that flops. Businesses are building experiences rooted in empathy, usability, and accessibility. 

From apps that adapt to neurodiverse users to financial platforms designed for digital literacy, companies are investing in tech that meets users where they are. The era of design thinking has matured into impact thinking with real human outcomes at its core 

Culture That Sparks Innovation 

Innovation doesn’t come from processes; it comes from people. In 2025, agile, inclusive workplace cultures are driving the most meaningful breakthroughs. Companies that embrace experimentation, failure, and feedback are creating safe spaces for bold ideas to thrive. Remote-first models, diverse leadership, and flatter hierarchies are empowering voices that were previously unheard. Innovation culture isn’t built overnight; it’s built on trust, autonomy, and curiosity. 

Outcomes That Matter 

Flashy tech and viral products are no longer enough. Stakeholders want results. In 2025, real innovation is measured by outcomes, not outputs. Businesses are being evaluated on their ability to drive tangible change. Whether it’s reducing patient wait times, increasing energy efficiency, or improving customer satisfaction, today’s market rewards metrics that reflect human and environmental progress. 

Building Ethical, Transparent AI 

Artificial intelligence is reshaping every industry, but with great power comes greater responsibility. The most respected companies in 2025 are developing AI with fairness, transparency, and accountability built in. From explainable AI in healthcare to ethical algorithms in hiring tools, organizations are embedding checks and balances to protect user trust. It’s not just about building smarter tech; it’s about building responsible tech. 

Conclusion 

Innovation in 2025 isn’t a buzzword; it’s a responsibility. It’s no longer about keeping up with trends; it’s about leading with clarity, purpose, and people-first thinking. The most impactful innovations are solving systemic problems, scaling sustainable solutions, and creating a more inclusive future. True innovation doesn’t need loud headlines; it speaks through lasting impact. So ask yourself: Is your company innovating to impress or to truly make a difference?