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There’s a Reason That Netflix’s Ad Business Has Underwhelmed
Somewhat lost in the company’s slew of firings and engagement warnings over the past few weeks was the fact that Netflix is scaling back its ad forecast for 2026 from $3 billion to $2.7 billion. That’s despite the fact that: CTV is growing by 14-15% this year This year saw a monster upfront Netflix is the biggest streamer out there this side of YouTube, and was the platform that for years brands were supposedly dying to be a part of In other words, that’s an alarming pull-back from Netflix. A Wall Street analyst I spoke with last week was blunt, calling Netflix’s ad business “disappointing.” To me, a red flag on the ad front is that Netflix has never revealed how many ad-supported subscribers it has. Because if I know anything about how big companies work, if they have a positive number that makes them look really good - they tend to share it. (How many subs does go90 have right now? We’re not saying just yet. How are ads going on ChatGPT? Oh, a billion run rate - I see). Yes, to date Netflix has shared some fuzzy ad numbers, such as the idea that the company’s ad tier ‘reaches’ 250 million users globally.’ Here’s why that figure gives me pause: a)they lead with global, and b) they don’t explain how they are calculated. (Are they based on average people in each room? Surveys of some kind?). Regardless, some insiders say that Netflix’s ad tier is scaling nicely - others not so much. Either way, one of Netflix’s biggest challenge on the ad front appears to have been its starting point. Remember, when Netflix launched ads in 2022, it had 73 million subs in the US and Canada. That’s 73 million people who were used to Netflix with zero ads. And when the ad product rolled out, the company clearly was going after new users - a limited pool of potential subscribers by default. That focus seems to have changed over time, as Netflix has tried to convert longtime subscribers to the ad tier. Historically Netflix subscribers are very sticky. But is the company’s low churn a problem? Not necessarily, according to Antenna data. Rather, Netflix’s consumer loyalty is a bit of a double-edged sword. “Netflix is the one streamer which actually has seen substantial “trade downs” but has much lower ‘win backs,’ said Antenna founder Jonathan Carson (win-backs being people who were on the ad-free plan, cancelled, then rejoined on the ad plan). “Netflix has lower churn and so has less opportunity to win back old subs with a lower cost plan option.” This all might explain why Netflix has been so slow to roll out all of these table stakes targeting options until just this week. It likely didn’t have enough users to carve up into various targets. etc. However, what really hit Netflix’s ad business was Amazon’s move a few years ago to turn on advertising for Prime Video by default. Suddenly the market was awash in premium inventory, and Netflix was playing catch-up on multiple fronts. Thus, the streaming giant appears to still be figuring out if if wants lead in ‘programmatic TV,’ or premium ‘upfront’ TV sales. “The CTV market now sorts into three businesses, and Netflix is not the leader of any of them,” wrote analyst Jack Myers. Ouch. So how does Netflix ratchet up its ads business? Get the next NFL package You’re gonna have to wait until 2030 unless one of the bigger media companies like Skydance opts out, but the easiest (not cheapest) way for Netflix to become a huge TV ads contender is to get one of the regular NFL packages, ideally Sunday afternoons. That way it can sell ads to its whole U.S. subs base overnight. Go FAST This one is risky, because to program a compelling FAST channel, you’d likely have to take some older Netflix exclusive shows and make them available for free to non-subscribers. But FASTs, for better or worse, are ad-inventory machines. Go full UGC I’m not sure I see this happening. There is something already off about Netflix carrying podcasts and shows for creators. The experience sticks out in what is such a produced, and generally non-communal environment. But Netflix could open up its platform by allowing creators to upload videos without having to be approved by the service. But that opens a whole other can of worms (policing brand safety, copyright infringement, overall quality). Make a huge RMN Deal I was going to suggest something crazy, such as ‘instead of buying Warner Brothers, Netflix should buy Target. But the company doesn’t want to be in the brick and mortar business. Yet for Netflix’s ad business to compete in an Amazon world, it needs to be able to connect ad exposures to shopping. What if, instead of letting Amazon target Netflix viewers with its DSP, Netflix inked a deal with Target, or even took control of Roundel, and created its version of the Amazon full-funnel for brands? Price us out. I hope they don’t do this, but Netflix’s price increases - while significant - haven’t been enough to push long-term customers out of the ad-free tier. But if they made those prices so prohibitive, it could push large swaths of consumers to trade down. Then again, that could also dent engagement - as binging becomes much less appealing once you bring ads into the equation. Or, they could just launch a bunch of hit shows and maybe everyone will quickly forget all this angst. More from Amazon unBoxed A few weeks ago, I recorded two podcasts live at Amazon’s unBoxed event in San Francisco. I was able to go really deep with several brand partners about how Amazon’s various data and ad products work - particularly the under appreciated Amazon Marketing Cloud. First, I talked with Laura Abadias Velilla, of the Amazon specialty agency Amerge, along with Amazon’s own Charlotte Maines, Vice President, Devices Content & Advertising, about how the two partners helped a very specific printer company Epson launch into a brand new category - high end projectors. It’s a great example of how brands connect audience data across platforms to make budget deployment decisions. Next, I chatted with Monks VP Head of Digital Investment for North America Tom Burchill about how the agency actually brought in data from Linkedin to help target B2B customers across various Amazon properties for the brand Quicken. Check it out: Check these out, or just listen:
Justice Department asks appeals court to intervene in California ballot case
WASHINGTON, Oct 22 (Reuters) - The US Justice Department asked an appeals court to intervene on Thursday in its lawsuit seeking to temporarily block California from counting more than 20,000
County BZA approvals permit poultry, business expansions
Wayne County Board of Zoning Appeals approved five petitions — two requesting additions for ag businesses, another seeking acreage reduction for poultry, a mining business expanding its property and a chiropractor moving his operations locally — at its Oct. 8 meeting. Hally Jordan and James Spears’ petition to reduce minimum lot acreage to accommodate 14 […]
Judge blocks DHS investigations of noncitizen voting, citing flawed data
The judge put her order on hold until 5 p.m. Friday, giving the Trump administration time to appeal.
Why we’re still so obsessed with Elizabeth Holmes
You Can See Everything, a documentary about the disgraced biotech company founder Elizabeth Holmes, has enjoyed a record-breaking opening in the US. It is a testament to how fascinated we remain by the convicted fraudster, but what is behind the enduring appeal? US technology editor Blake Montgomery tells Madeleine Finlay why Holmes continues to fascinate us, and reflects on whether the Theranos scandal has had a permanent impact on Silicon Valley
Introspection required if EU Inc fails, says start-up lobbyist
European start-ups have a new voice in Brussels. Startups for Europe, created from the merger of lobby groups Allied for Startups and the European Startup Network, is hoping to harness the momentum behind EU-Inc, a campaign that united start-ups and investors behind demands for a new pan-European company regime.At a launch event for the new association in Brussels on October 1, the mood was remarkably upbeat compared to a typical Eurobubble gathering, more Silicon Valley than Schuman roundabout.When asked whether this reflects a feeling that Europe is on the right track, chief executive Serena Borbotti-Frison said it’s a “scary” moment as the continent looks to boost its competitiveness amid a new technological arms race.“What is at stake is quite intense, and the way we can answer is by delivering, but also with hope,” she told Science|Business. “It’s what our industry does. It’s not about identifying a pain point and then saying it’s too hard.”For many in the start-up community, that sense of hope is dwindling. In March, the European Commission presented its proposal for EU Inc, naming its initiative after the grassroots campaign.EU Inc was meant to be a gamechanger: the ability to incorporate within 48 hours for less than €100 and scale up across Europe; a harmonised stock option regime enabling start-ups to compete for talent; and simplified insolvency procedures for innovative start-ups to reduce the cost of failure.However, haggling by EU governments has raised concerns that EU Inc will be stripped of the very features, including stock option harmonisation, that are meant to make it attractive for companies.“I fear we are proving to ourselves that the model doesn’t work,” Borbotti-Frison said of the policymaking process. “Everyone agrees we should have EU Inc. Everyone agrees it’s hard to scale and we need to scale to answer the competitiveness [challenge], and still we cannot deliver? [. . .] What does that say about ourselves?”The Commission has made EU Inc a cornerstone of its single market reform, and has agreed with the European Parliament and the Council of the EU to target an agreement by the end of 2026. However, several points are currently holding up an agreement, including national rules around employee participation in management decisions, and the provision that employee stock options always be taxed at the point of sale. Some EU governments have reportedly pushed back on the Commission’s choice of legal basis, contending that anything related to taxation requires unanimity in the Council.Trade unions have also protested against EU Inc, fearing it will be exploited by companies looking to undermine workers’ rights.“If this doesn’t work, it’s introspection time, on the way our institutions work, maybe the way our lobbies work, and maybe the way the cooperation between them works,” Borbotti-Frison said.“Is it in the national interest? Is it a gap between political will and technical ability to operate? Is it speed? I don't know, but something needs to be fixed.”Ahead of last week’s European Council meeting, EU-Inc campaigners tried a new strategy: appealing directly to EU presidents and prime ministers. In an open letter, they urged EU leaders to “step in and give your negotiating teams a clear mandate to change course and reverse their objections to the Commission’s original proposal.”Lessons from EU-IncLike its predecessors, Startups for Europe will represent national start-up associations, but it is also targeting investors. The founding sponsors are venture capital firm Atomico and EQT, the investor selected earlier this year to manage the €5 billion Scaleup Europe Fund.It also wants to harness the knowledge and cross-border experience of European success stories. “Take the list of the 100 biggest unicorns in Europe. We are speaking to all of them,” Borbotti-Frison said. The association plans to publish a full list of supporters following the Slush tech conference in Helsinki in November.Andreas Klinger and Simon Schaefer, two key figures in the EU-Inc campaign, are both on the board of the new association, and Startups for Europe wants to take the lessons from their campaign.What was unprecedented about EU-Inc was “how rooted it was, and how strong it was in bringing everyone on board behind one clear pain point and solution to fix it,” Borbotti-Frison said. “This is an inspiration for us, and then we need to turn it into something more systematic, more bridged in Brussels, more connected to the policymaking game, and to scale it.”If it’s possible to unite such a broad coalition, it’s because the European start-up ecosystem is now mature, she said. “Maybe it was not ten years ago. Maybe it was not five years ago. But now, it’s mature to speak with one voice.”Open and liberal EuropeThe association plans to campaign on files related to three “pain points,” Borbotti-Frison said: “start and scale in Europe, fundraise and invest in Europe, and making Europe the most innovative continent.”As well as EU Inc, she cited public procurement, the EU’s simplification push, the Savings and Investments Union, and files related to AI adoption and technological sovereignty as priorities for the coming months.What these files have in common is that they relate not to subsidies but to the framework conditions influencing the availability of mostly private, or in the case of procurement, public, funding.Related articlesEmployee participation disagreement delays MEPs’ vote on EU IncCommission urges EU governments not to water down EU IncEU’s ‘ultra-fast’ €5B scale-up fund is set up to win, says its fund managerThe budget dispute over the next Horizon Europe programme will also impact start-ups, which are supported notably through the European Innovation Council. But EU innovation funding is a drop in the ocean compared to venture capital and public procurement budgets.“If competitiveness and innovation are a priority, then the [EU budget] should reflect it,” Borbotti-Frison said. However, she added that the main question is not how much public money is invested, but “how do we create the right conditions for the market to solve the problem?”The Scaleup Europe Fund mixes both approaches, using €1 billion in EU funding to crowd in private investors and address Europe’s lack of large-scale, late-stage growth funds. “It’s a proof of concept. Ideally, then the market will do it itself,” Borbotti-Frison said.Startups for Europe is also focused on bringing an alternative political narrative. Amid competing visions for open, global markets on the one side and a protectionist Europe on the other, it wants to offer “a third voice, to say we can be proudly European and build a strong continent in a liberal economy, open to the world, and global.”It can be tempting, when thinking about how Europe can better support innovation, to look across the Atlantic. But while it’s important to compare statistics to see where Europe needs to catch up, that’s where the comparison should stop, Borbotti-Frison said. “On everything else, we need to do it our own way. We don't have the same history. We don't have the same political model. We don't have the same way of life.”Many of the key files that could benefit the start-up community, including EU Inc and the Savings and Investments Union, rely on closer integration within Europe, making it easier to operate across borders.While the Commission has made deepening the single market a political priority, support at national level is more precarious. The coming months will see pivotal elections in Spain and France, while the German government has also been coming under pressure domestically. In each country, far-right parties have been gaining ground.When asked if she was concerned the political situation could jeopardise this progress, Borbotti-Frison responded: “Of course. I would be lying if I said I wasn’t.” However, she continues to believe that cooperation is the only way forward. “Doing it alone is not the solution. It’s also not who we are, it’s not the model we are building, and it’s not the scale we need.”
'Many national leagues have become boring', Germany's Bierhoff says
Domestic football leagues have lost their appeal because they are dominated by the same teams like Bayern Munich or Paris Saint-Germain, former German Football Federation (DFB) director Oliver Bierhoff has said. "The Champions League is an outstanding competition, but many national leagues have become boring, to put it simply," Bierhoff told the German edition of Sports Illustrated magazine.
Trump administration drops legal fight to overhaul student loan forgiveness program
The Trump administration is moving to end its legal fight to overhaul a popular student loan forgiveness program. The Department of Justice appealed after federal judges ruled in June in
Court rejects Pawnee Nation challenge to Oklahoma environmental authority
A federal appeals court has upheld the Environmental Protection Agency’s authority to let Oklahoma administer federal environmental programs in parts of Indian Country, rejecting a challenge brought by the Pawnee Nation in a 2-1 ruling Oct. 16. The case, Pawnee Nation of Oklahoma v. Zeldin, turns on a provision known as the “Midnight Rider,” a […]
Fifteenth Court of Appeals Holds the Texas Business Court’s “Qualified Transaction” Jurisdiction Extends to Any Claim With a But-For Connection to the Transaction
In re Joseph Beard, No. 15-26-00136-CV – Decided October 15, 2026 In a unanimous opinion, the Fifteenth Court of Appeals held that an action “aris out of t
What makes Troy Aikman such an appealing option for CBS?
ProShooter/Depositphotos Troy Aikman’s ESPN deal ends in 2027 Troy Kenneth Aikman works as an NFL analyst for ESPN after playing quarterback for the Dallas Cowboys. His current broadcasting agreement runs through Super Bowl LXI, scheduled for February 2027. During an October 15 radio interview in Dallas, Aikman said he expected to become a free agent.…
Husband-and-wife investors renovate Indian Village home with families in mind
April and James Mulroy aimed to create a high-end product that retained the home’s historical character and one that was particularly appealing to families.
Supreme Court may strike down school policies that limit Asian students
The court agreed to hear an appeal from parents in Montgomery County, Md., who were upset by a sharp drop in Asian students at its four magnet schools for gifted students.
New murder trial ordered over juror's mental health crisis in 9th Circuit
A man's convictions for a killing on the waters off California's coast were vacated by the 9th U.S. Circuit Court of Appeals at San Francisco on Thursday…
Republicans sue, claim it’s a crime for stations to air Democrats’ Hope Florida ad
The Florida GOP’s lawsuit leans on an appeals court ruling that a leaked grand jury report should be expunged from the record.
How Texas officials try to find poll workers for elections
Counties and political parties are using personal appeals, training and college internships to find people who can serve as poll workers and election judges to make sure voting runs smoothly.
These Memphis restaurants earned perfect health scores in September
Tennessee Health Department inspectors performed hundreds of health inspections in Shelby County in August. These 45 restaurants earned perfect scores.
Scientists' preferences may hold back animal science discoveries, per a study
We may be missing out on some important discoveries because the scientists are studying the animals they find appealing, rather than exploring the full
TikTok Bans Musk Film Account, Citing Politics
Move comes just as Alex Gibney doc film expands to nearly 500 screens. Distributor Bleecker Street says it is appealing.
Appeals court blocks part of Arizona prison healthcare order
The 9th Circuit Court of Appeals, in the unsigned order, said that the state is raising "serious questions" about the ability of a federal judge to take over health care in a prison system.
Hochul's second-term test and Blakeman's crusade to stop it
Blakeman and Hochul have both billed themselves as candidates with the unique ability to appeal outside their base.
Prison healthcare takeover put on hold as Arizona’s appeal moves forward
Arizona prison healthcare receivership: An appeals court delays the takeover, keeping the state in control pending its appeal
Appeals Court Questions Justice Dept. Claim that Trump Owns White House Records
A three-judge panel appeared unconvinced by claims that a federal law requiring the president to preserve and hand over his presidential papers was unconstitutional.
‘There Should be a Game Award for Hot Dads’ — Castlevania: Belmont’s Curse Devs Are Fully Aware and Loving the ‘Horny’ Fanart for Their Game
The developers behind Castlevania: Belmont’s Curse are enthusiastic about the “horny” fanart they’ve seen of the game’s characters, saying they specifically made them "hot" to appeal to fans.
Geothermal finds rare political sweet spot amid AI boom
The bipartisan appeal, combined with surging electricity demand from AI, is helping fuel investment in the niche energy source.
Focused Behavior Solutions Files for Bankruptcy Citing Reimbursement Delays as Key Cause
Focused Behavior Solutions, an applied behavior analysis (ABA) therapy provider based in Walla Walla, Washington, has filed for Chapter 11 bankruptcy,
Wrigley rooftop owner appeals court ruling that bars ticket sales
The Cubs won a permanent injunction against a neighboring rooftop business, but the fight over who can profit from views into Wrigley Field isn’t over.
6 books that speak to the enduring appeal of monsters
These books explore our enduring fascination with monsters in new and surprising ways, from fresh takes on vampire tales to a bestiary that spans time and worlds.
Ohio Appeals court rules EdChoice private school voucher system unconstitutional
An Ohio appellate court has ruled that the EdChoice voucher program, which uses taxpayer dollars to fund private school tuition, is unconstitutional.
As prior auth becomes an AI ‘arms race,’ Otter Health raises $8M for a different approach
Prior authorization has long been a source of friction between payers and providers, and now, with algorithmic tools for claims reviews and LLMs for appeals, it's evolved into an AI "arms race" as | The company built an AI-powered real-time clinical quality platform to better manage healthcare utilization by influencing care decisions rather than requiring clinicians to get permission for them.
Is the EU research budget actually increasing?
Is a Horizon Europe budget of €158 billion a 10% cut or a significant increase to the EU’s support for research and innovation? What would seem like a question of fact has divided opinion in Brussels since the Irish presidency of the EU Council presented its negotiation box on October 10. The answer depends on factors such as how you adjust for inflation, whether you account for increases in overall EU wealth and if you care about absolute or proportional figures. The €158 billion budget in current prices, proposed by the Irish presidency of the EU Council, was quickly criticised by university lobbies and rejected by the high-level expert group led by former Portuguese science minister Manuel Heitor. It was also decried by the four pro-European political groups in the European Parliament. “How can Europe close its competitiveness gap while cutting the European Competitiveness Fund by 13% and Horizon Europe by nearly 10%?” asked a joint statement by the European People’s Party (EPP), Renew Europe, the Socialists and Democrats and the Greens/European Free Alliance. Together, these parties hold 63% of seats in the Parliament.In stark contrast, Irish foreign affairs minister Helen McEntee said that the proposal “significantly increases investment in competitiveness, research and innovation,” Meanwhile, a presidency press release said that, compared to the current Multiannual Financial Framework (MFF), the proposal would “double the volume of competitiveness related programmes.” So, who is right? That depends on how you make the calculation.Compared to the Commission figure or the previous budget?The first thing to notice is the difference in baselines. When the MEPs say the Irish presidency will cut Horizon Europe by “nearly 10%” they are using the European Commission proposal for the MFF from July 2025, which allocated €175 billion in current prices to Horizon Europe. However, when the Irish foreign affairs minister said the research and competitiveness budget is increasing significantly, she is comparing it to the 2021-27 MFF, which had a Horizon Europe budget of €84.9 billion in 2018 prices.Her point holds when accounting for inflation. Applying a 2% annual inflation rate, the calculation method used by the Commission, the 2021-27 Horizon Europe would have a budget of €97.5 billion in 2025 prices. In comparison, the Irish presidency’s €158 billion figure in current prices translates to €140 billion in 2025 prices. Does the ECF count?But there is more to the dispute. In its statements, the Irish presidency lumped the research budget in with the overall budget for competitiveness. The Parliament statement, however, kept the two separate. This matters because the next MFF includes plans to add a new European Competitiveness Fund (ECF) to fund programmes meant to boost the continent's competitiveness. The Irish negotiating box allocated €245 billion in current prices to this programme.When this is added to the €158 billion for Horizon Europe, as well as programmes such as the EU education programme Erasmus+, the total for “competitiveness, prosperity and security” in the Irish proposal becomes €514 billion in current prices. But it is still uncertain how big a share of this competitiveness budget would go to research. The Commission proposal of July 2025 for the MFF included clear links between the ECF and Horizon Europe, indicating some ECF money will go to research. At the same time, the structure of the ECF is still being negotiated, and a substantial part of its budget is expected to support non-research activities such as defence manufacturing, decarbonisation and digital infrastructure. Related articlesCouncil floats 9.6% budget cut to next Horizon EuropeResearch community to appeal to national governments over planned EU budget cutEU own resources ‘essential’ for future research budget, says leading MEPSo, it is by looking at competitiveness rather than research, or combining the two, that the Irish presidency can claim that its proposed budget will significantly increase investment in competitiveness, research and innovation.According to the Irish presidency proposal, Horizon Europe and other competitiveness-related programmes in the current multiannual budget received €221 billion in current prices. However, since this money is being distributed from 2021 to 2027, it is not directly comparable to the €514 billion in current prices which will be distributed from 2028 to 2034.Research as a proportion of the MFFBut the relative rise in competitiveness-related programmes points to another important distinction: whether you look at the research budget in absolute terms or as a share of the overall MFF. Here, too, the size of the research budget has risen, although only slightly. In the 2021-27 MFF, Horizon Europe accounted for 7% of the total budget. In the Irish presidency’s proposal, it amounts to 8.7%. The share for the total competitiveness envelope went from 17.7% in the current MFF to 28.1% in the Irish presidency proposal.This proportional share may seem irrelevant to universities looking for research funding, but it is becoming significant as budget negotiations between the Parliament, the Commission and the Council begin. On October 2, a group of 17 southern and eastern European countries sent out a statement calling for the EU agriculture and cohesion budgets to be protected. The Parliament’s co-rapporteur on the budget, Siegfried Mureșan of the EPP, has also said that the research envelope is likely to be cut disproportionately as the budget is slimmed down during negotiations.
Memphis People in Business for Oct. 15, 2026
A look at promotions, hirings, movers and newsmakers in the Memphis area business scene
Political ad rates case frozen through midterms
The Supreme Court in an unsigned decision Wednesday sided with Republicans in a dispute over expanding discounted television advertising rates beyond political candidates ahead of the midterms. The unsigned order from a majority of the court paused a ruling from the U.S. Court of Appeals from the 4th Circuit that could have allowed the courts […]
Trump Wants to Let Ranchers Shoot Wolves. Science Suggests That’s the Wrong Fix.
The move was meant to appeal to ranchers but the industry’s response was muted.
Are Bank Lobbies Still Relevant?
Local banking leaders say technology is changing the way customers use their banks — and their lobbies By Deborah Jeanne Post [caption id=attachment_11109 align=alignright width=300] Steve Gorczynski is M&T Bank Central New York regional president.[/caption] When was the last time you entered the lobby of your bank? If it’s been a while, you’re part of a trend of eschewing the lobby in favor of ATMs, drive-thrus, online banking and remote deposit. A 2025 study performed by the American Bankers Association revealed that only 9% of consumers use bank branches as their preferred way to do banking and 76% prefer mobile banking. The trend away from the lobby reflects consumer behavior in other areas of doing business, including online shopping instead of perusing the mall, ordering fast food at a kiosk, not at the counter and selecting curbside pick-up rather than walking into the restaurant. Consumers want convenience and going in the lobby adds another layer to the task. It also places consumers face to face with one or more representatives of the business, something less favorable to people feeling burned out from interpersonal interactions. Nixing or at least minimizing the size of the lobby isn’t necessarily negative for banks. Fewer people passing through their doors reduces overhead for building maintenance, staffing and furnishing. Greater reliance on virtual banking can mean closing brick and mortar locations and hiring fewer staffers to cover roles like teller and lending officer. “Our focus is on meeting customers where they are and giving them flexibility in how they bank,” said Steve Gorczynski, M&T Bank Central New York regional president. “While many everyday transactions can be supported digitally and through ATMs, branches remain important for more complex financial needs, offering face-to-face guidance and a more personal banking experience.” Talking with a commercial lender or working on a home mortgage are two examples where meeting face-to-face is more desirable for many people. They can receive immediate feedback to questions and can possibly reach their goals more quickly. But there’s little need to have a large seating area, long counters and numerous tellers for routine banking that’s quicker to handle virtually. Online banking can also help people on the go more readily complete banking tasks such as depositing checks, transferring funds among accounts and checking balances. [caption id=attachment_11135 align=alignright width=300] Tina M. Stephens is the vice president branch administration for Fulton Savings Bank.[/caption] “The traditional bank lobby is certainly being evaluated by most institutions today, as the typical large, open and cavernous spaces do not necessarily meet the needs of today’s customers,” said Tina M. Stephens, vice president branch administration for Fulton Savings Bank. “Traditional lobbies often bisect traditional teller stations and customer service areas, which adds confusion, especially for the demographic who routinely use online banking and only access the lobby for customer service needs.” Despite the rollback in physical locations across the industry, Fulton Savings Bank began modernizing its six branch offices in Oswego and Onondaga counties about three years ago and have finished four offices so far in Baldwinsville, Fulton, Constantia, and Phoenix. “We made the decision to build a new branch across the street from our current office in Brewerton which will be completed by the end of 2026, and we will begin the retrofit of our Central Square office in early 2027,” Stephens said. “Our efforts specifically address where we think customers will be in the next three to five years and have greater flexibility to make changes out into the future.” The bank may be onto something, as numerous reports state that screen-weary Gen Z young adults crave more in-person interactions than virtual ones. If the pendulum continues to swing in that direction, it’s hard to see all physical bank areas disappear, even if they change somewhat. Fulton Savings Bank has also consolidated its teller and customer service representative areas to larger “universal banker” areas, where the bank representative can address all customer retail needs. A one-stop-shop experience appeals to busy banking customers who want to perform a few different banking tasks in one visit. Stephens also said that Fulton Savings Bank made additional technology and security enhancements and created flex spaces to accommodate bank meetings throughout the two-county branch footprint. At Solvay Bank, Elizabeth Lavier, vice president marketing and communications manager, lauded digital and online services as convenient and flexible for managing finances; however, “technology is not meant to replace what matters most: the relationships behind every account that have always been at the heart of community banking,” she said. “Even in today’s digital-first world, people of all ages still value the opportunity to sit down with a trusted banker for personalized guidance. We understand that some of life’s biggest moments call for more than a screen.” Lavier views digital banking as another way for the organization to serve customers rather than a replacement for branches, tellers and lenders, which tend to serve customers better for transactions like buying a first car, purchasing a home, saving for a child’s education, or planning for retirement. “Those conversations, built on understanding, experience and personal guidance, are what community banking is all about,” Lavier said. “At the end of the day, banking is about more than transactions. It’s about helping our customers achieve their goals and being there for them every step of the way. By combining the convenience of digital banking with the care, commitment, and personal service of a local community bank, Solvay Bank offers customers the best of both worlds.” Are Paper Checks Destined to Disappear? With the ubiquity of debit cards, online payments, virtual checks and peer-to-peer payment platforms like Venmo, Zelle and PayPal, will paper checks become passe? “In my view, paper checks are unlikely to disappear in the near future,” said Tina M. Stephens, vice president branch administration for Fulton Savings Bank. “They continue to serve a practical purpose by providing a clear paper trail and tangible proof of payment.” According to the American Banker, a leading trade publication that covers the banking and financial industry, in 2024, checks accounted for 65% of all payment fraud losses. Paper checks should be phased out, according to the publication. “The phrase, ‘The check’s in the mail’ probably sounds strange to younger people because the era of paper checks is rapidly drawing to a close. Put bluntly, checks are an expensive, insecure legacy that is a drag on the U.S. economy. Rather than wait for them to vanish slowly, the pragmatic choice is to strategically accelerate the transition to paperless payments.”
Sean McVay reveals Alaric Jackson’s next move after NFL suspends Rams star for throwing punch
Rams coach Sean McVay confirms Alaric Jackson plans to appeal his two-game NFL suspension for punching Bills linebacker Bradley Chubb after Monday's loss.
Hardware Store Cats Aren't Just Cute. A Wharton Professor Says Their Business Appeal Comes Down to 1 Thing
Retailers say cats get shoppers through the door. A business expert explains why.
Lions' Jameson Williams' celebration fine rescinded because 'marijuana is legal'
Detroit Lions WR Jameson Williams had a fine rescinded upon appeal because he successfully argued "marijuana is legal in some states."
Detroit Lions WR Jameson Williams wins appeals on gesture fines
Detroit Lions wide receiver Jameson Williams can cancel a few checks to the NFL.
49ers Greenlaw suspended one game without pay for helmetless headbutt
Greenlaw has been suspended for the October 19th matchup against the Washington Commanders, barring an appeal.
Norman residents appeal OU arena TIF plan to Oklahoma Supreme Court
Opponents of Norman's new arena have taken their fight to the state's highest court, warning of \
Spooky Science Event at the Florence Farmers Market
(Mass Appeal) – Are your kiddos looking for a fun, interactive STEM activity that incorporates Halloween? Then we have Spooky Science at the Florence Farmers Market on Wednesday, October 14th from 2:00pm-6:00pm.Here to tell us more is Dr. Megan Allen, Founder & Owner of The Community Classroom Tutoring and Cora Rose Allen-Flynn, Megan’s daughter & […]
Jeff Bezos Thinks Politicians Are Blaming the Wrong Culprit as Socialism Gains Ground
Amazon founder Jeff Bezos is weighing in on the growing appeal of socialism, arguing that some politicians are pointing fingers at the wrong culprit. In an interview with Fox News’ Bret Baier that air...
Court declines to rehear Outcome Health appeal from Shah, Agarwal
Shah and Agarwal were at the center of one of the most high-profile corporate fraud cases in Chicago history.
Early voting starts this week; Paul Young reflects on online lash out
Catch up on everything you missed this week in government news.
Business Owners Await Court Decision On Blight Designation
The city of Brentwood and three local businesses are awaiting a decision from the Missouri Eastern Court of Appeals after judges heard arguments over the city’s decision to label a
Man City charges cloud hangs over Premier League season
Manchester City emerged unscathed from a hostile reception at Anfield in their first match since a guilty verdict on widespread financial impropriety, but a 3-0 win over Liverpool highlighted the uncertainty that now surrounds the Premier League season.Yet those points could count for nothing unless City are successful in their appeal against the findings of an independent commission, that found them guilty of over 100 Premier League charges.
Manchester City charges: Appeal, sanctions and timelines explained
City have been found guilty of breaching the Premier League’s financial rules and now face points deductions, huge fines and even expulsion as punishment
Designers Predict These 5 Flooring Trends Will Take Over in 2027—and Bring a Fresh Look to Every Room
Before making a change to your flooring, find out what materials, colors, and styles will be trending in 2027 to give your home an updated appeal.
Esports team DRX seeks to broaden territory into digital entertainment
The esports industry continues to expand, drawing large audiences across game titles and appealing to an increasingly diverse range of people. The...
Why France’s Center Does Not Hold
The belief that the country is on a downward slope fuels the appeal of radicalism.
Trump asks Supreme Court to revive his 2016 election lawsuit against Hillary Clinton
President Donald Trump urged the Supreme Court on Friday to wade into his years long legal battle with former Democratic presidential nominee Hillary Clinton and ex-Justice Department officials over the 2016 election, appealing a case that a lower court concluded was “frivolous.”
DOL Prevails in Circuit Court Appeal Over Diverted Contributions, Unpaid Health Claims
The US 5th Circuit Court of Appeals affirmed a Louisiana district court’s decision to grant summary judgment on claims a company president breached his fiduciary duties.
Top Dawg Entertainment Wins Appeal Against Doxxing Claims by Sexual Assault Accusers
Top Dawg Entertainment won an appeal dismissing doxxing claims brought by two women who accused the label's executives of ...
Carpenter’s heart attack after restraining donkey ruled compensable
A New York appeals court on Thursday upheld workers compensation coverage for a carpenter who suffered a heart attack after helping restrain a donkey at his employer’s owner’s residence.
Maresca: Man City will win appeal against Premier League breaches
Enzo Maresca is adamant that Manchester City will be successful in their appeal against the independent commission’s decision to find them all guilty of breaching the Premier League’s rules. The c...
How to run a successful Airbnb: Short-term rental strategies
Rule No. 3: Don't try to appeal to everyone. Mike Savage has built a successful business around understanding what works with short-term rentals.
Anthony Vaccarello Exits Saint Laurent After a Decade
The designer leaned into the glamour and sex appeal of the storied Parisian fashion house. Sales nearly tripled during his tenure before sliding in recent years.
Video: Opinion | How TikTok Warps Our Politics
What are the political consequences of the era of video? TikTok is overwhelming our world with emotional appeals that print media can’t capture, according to the Times of London columnist James Marriott, and it’s making us more mystical, tribal and autocratic.
UTHSC expansion aims to grow Tennessee's health care workforce
UT Health Sciences broke ground on a new building designed to fill a crucial need for more medical professionals in Tennessee.
Man City charges: Erling Haaland encourages club's fans to stay positive after guilty verdict
Man City were found guilty of all charges related to serious breaches of Premier League financial rules by an independent commission; City have lodged their appeal against the verdict
Supreme Court asked to weigh political ad rates
The Trump administration asked the Supreme Court on Thursday to step into a lower court dispute over television advertising rates paid by political candidates and joint fundraising committees weeks before the midterm elections. The application asked the justices to set aside a 2-1 ruling issued Wednesday by the U.S. Court of Appeals for the 4th […]
Manchester City charges: Premier League clubs fear political interference in appeal after Andy Burnham comments
Premier League clubs are "concerned" about political interference in Manchester City's appeal after Prime Minister Andy Burnham's comments.
Homeschool Science Day in Grove Hill hosted Oct. 15
The Grove Hill Public Library is appealing to the creativity of homeschoolers with Homeschool Science Day on Oct. 15 from 1-2:30 p.m. Students are encouraged to use any number of items from around the house to build a medieval creation, including paper towel rolls, paper plates, rubber bands, string and foil. Some of the library’s
US appeals court weighs block on Kennedy's vaccine panel appointments
A lawyer for the Trump administration told a federal appeals court on Tuesday that a judge had improperly hamstrung an influential vaccine advisory panel by blocking Health Secretary Robert F. Kennedy Jr.'s handpicked appointees from serving on it.
Alito says Supreme Court can’t stem rise of emergency appeals, 'not pleased' with Trump's rhetoric
The justice told The Associated Press in a rare interview that the rhetoric about the court from Trump and his administration doesn't sit well with him.
Carragher: Manchester City should face three-to-five-year punishment
Manchester City should face a multi-year punishment for their financial misdemeanours, according to former Liverpool defender Jamie Carragher. An independent commission found City guilty of breaking Premier League rules in a strongly-worded report released last week, which the club have appealed against.
Supreme Court rejects Michigan woman's appeal over school's ban on 'Let's Go Brandon' sweatshirts
The mother of two boys says their First Amendment rights were violated when they were told to take off the sweatshirts she bought them for Christmas in 2022.
Gen Z women want politicians who can make the ‘American dream’ feel attainable
Affordability is the top issue for Gen Z women. But few candidates are appealing to them with a message strong enough to cut through the noise.
Gen Z women want politicians who can make the 'American dream' feel attainable
Affordability is the top issue for Gen Z women. But few candidates are appealing to them with a message strong enough to cut through the noise.
GloRilla expands her business brand with 'glam on demand' GloVerse
Memphis rapper GloRilla is expanding her business portfolio with GloVerse, which aims to help connect consumers with verified beauty professionals.
Supreme Court rejects appeal over Michigan school's ban on ‘Let’s Go Brandon’ sweatshirts
The Supreme Court is rejecting an appeal from a Michigan woman challenging a school district’s ban on shirts with the phrase “Let’s Go Brandon.” | 830 WCCO
Supreme Court rejects appeal over Michigan school ban on ‘Let’s Go Brandon’ sweatshirts
The Supreme Court is rejecting an appeal from a Michigan woman challenging a school district’s ban on shirts with the phrase “Let’s Go Brandon.” | KNSS Radio
Supreme Court declines First Amendment case of students forced to remove ‘Let’s Go Brandon’ sweatshirts
The Supreme Court on Monday declined to take up a First Amendment appeal from two middle school students who were ordered to remove sweatshirts emblazoned with the words “Let’s Go Brandon,” steering clear of a case that could have clarified the power schools have to police potentially offense speech in the classroom.
White nationalism’s appeal runs deeper than partisan politics
How extensive is white nationalism’s appeal among the broader public, and who is drawn to this extremist ideology?
Manchester City faces uncertain future after 114 charges upheld
Manchester City face renewed uncertainty after reports that an independent commission upheld 114 of 115 Premier League charges. The club denies wrongdoing and has appealed, while potential sanctions remain unknown. The case could have major sporting and financial consequences for City and wider English soccer.
Supreme Court returns with high-profile emergency cases
The Supreme Court returns Monday, and the Trump administration is already appealing to the high court to make emergency rulings. Experts don’t see the commander in chief slowing down.
Supreme Court returns with high-profile emergency cases
The Supreme Court returns Monday, and the Trump administration is already appealing to the high court to make emergency rulings. Experts don’t see the commander in chief slowing down.
Louisville, Kentucky athletes ineligible after Court of Appeals ruling
The group of athletes now ruled ineligible includes two UofL basketball players, two UofL football players and one UK football player.
Resolution Copper project on track after Ninth Circuit decision
A federal appeals court has left in place a ruling allowing the land exchange tied to the Resolution Copper project to move forward, rejecting a request to reconsider the case. The Sept. 29 decision means the Ninth Circuit will not rehear the case after a three-judge panel earlier this year declined to block the exchange. […]
White nationalism’s appeal runs deeper than partisan politics
Nearly 1 in 7 white men under 30 in the US support white nationalism, and partisanship alone doesn’t explain who’s drawn to it.
White nationalism’s appeal runs deeper than partisan politics
Nearly 1 in 7 white men under 30 in the US support white nationalism, and partisanship alone doesn’t explain who’s drawn to it.
White nationalism’s appeal runs deeper than partisan politics
Nearly 1 in 7 white men under 30 in the US support white nationalism, and partisanship alone doesn’t explain who’s drawn to it.
White nationalism’s appeal runs deeper than partisan politics
Nearly 1 in 7 white men under 30 in the US support white nationalism, and partisanship alone doesn’t explain who’s drawn to it.
White nationalism’s appeal runs deeper than partisan politics
Nearly 1 in 7 white men under 30 in the US support white nationalism, and partisanship alone doesn’t explain who’s drawn to it.
🚨 Manchester City appeal Premier League ruling
Manchester City submitted its appeal at 7:00 p.m. on Thursday, October 1, 2026, against the Premier League Commission’s ruling, as the club confirmed in an official statement.The appeal is part of t...
Why boxing is still a box office smash hit even as the sport’s popularity wanes
Fighters have always provided rich material for stories on stage and screen and the appeal to audiences has not wavered
Science Hill will remain 5-0 after winning appeal against TSSAA
JOHNSON CITY, Tenn. (WJHL) — The Science Hill Hilltoppers football team will remain 5-0 on the season after winning its appeal Thursday with the TSSAA. Science Hill self-reported the timeline of events that involved athlete enrollment and the hiring of coaches. The student-athletes in question enrolled at Science Hill between two and seven months before […]
TSSAA approves game forfeiture appeal by Science Hill Football
The TSSAA aproved Science Hill High School's appeal regarding ineligible players taking to the field in the Hilltoppers' first two football contests.
Carroll football files appeal with the LHSAA after suspension
While Carroll received a suspension following last week's game at Assumption, the Bulldogs have filed an appeal with the LHSAA.
Science Hill football wins appeal to TSSAA, no forfeiture of games
Science Hill's football team is still 5-0 on the season.
Healey asks Trump administration to speed up review of planned gas expansion in latest sign of shifting energy politics
As Healey hunts for ways to bring down soaring costs and campaigns for reelection in a race defined by the affordability crisis gripping the state, the governor sees an opportunity to appeal to the Trump administration to bring more gas into the state.
Arizona appeals court upholds rejection of Marana data center referenda
The Arizona Court of Appeals, Division Two has upheld the rejection of two referendum petitions challenging zoning approvals for a proposed Marana data center project, ruling that the petitions failed to meet Arizona’s strict legal requirements for referenda. The decision affirms an earlier Pima County Superior Court ruling and leaves the Marana Town Council’s January […]
Trump administration appeals ruling blocking limits on international student visas
DHS has appealed a court ruling blocking it from restricting how long international students and postdoctoral researchers can remain in the U.S.
Memphis People in Business for Oct. 1, 2026
A look at promotions, hirings, movers and newsmakers in the Memphis area business scene
September Monthly Review: Health MCP Guy?
For all the time I spend talking about APIs and data exchange, this newsletter has had embarrassingly little interoperability of its own. It’s old-school SaaS, baby - UI or bust. Not all of that is my fault! Substack, for all its popularity, is (as mentioned before) really frustrating as my system of record. The primary user it optimizes towards is the reader, whose attention feeds the app, the Notes feed, and the recommendation network that Substack is actually selling. Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe They’re falling into the same trap that Medium once sprinted into, albeit at a much more glacial speed. Younger generations may not remember (or never knew) it, but Medium once lured publications like The Ringer and Signal v. Noise onto its platform, only to lose them as it rebuilt itself around a paywall and an algorithmic feed. Substack’s original pitch circa 2020 was the antidote (you own your list), but every new feed feature chips away at it. I get it: writers are generic supply in the eyes of the Substack product team. Generic supply follows demand, so the consistent pressure on the PMs is to generate demand, which leads to every product cycle going toward discovery (Notes, recommendations, the app, live video). The end result lackluster author tools (laggy and broken analytics are truly crippling) all despite the premium price point. The archive is where it crosses from authorial gripes to actual reader impact, though. Across Substack and LinkedIn, I’ve published 1,218 posts and nearly 900,000 words since 2018. Substack’s native search can see only the 464 posts that live on Substack, and even there it’s woefully inadequate at surfacing relevant content (even for the guy who wrote it)! Readers have the same problem, writ large. Ask the Archive Fixing search (for both my readers and my own use) turned out to be extremely non-trivial, unfortunately: There’s no public API for readers to access content RSS exists for new content notification, but it only carries the 20 most recent posts and cuts paid ones off at the preview The only Substack MCP is an admin tool for analytics The export exists for authors, but it’s painfully awkward and slow. So I built something to work around that: the Health API Guy MCP. It’s a private MCP server holding the full text of everything I’ve written across Substack and LinkedIn. Add it to Claude or ChatGPT as a connector and you can ask things like: It pairs keyword search (for acronyms and case names, of which we have many) with semantic search. Every post is also labeled by topic, form, and court case, so you can pull a lawsuit’s (or multiple cases’) entire docket across Substack and LinkedIn in one query: Hail, Healthapiguyhydra This is also a bit of me eating my own cooking. I’ve spent the year arguing that headless healthcare is arriving and that developers want primitives over abstractions. Last week in Hail, Benihydra, I watched Salesforce plug its platform into Claude and bet that the records underneath outlive whatever interface sits on top: Salesforce must believe that the Hydra’s immortal head is the records, permissions, and business logic (in that they will survive whatever happens to the interface). It felt a bit hypocritical to keep my own archive behind a Substack search bar. The archive is the body. Substack is one head, and now whatever tool you might use is another. Will the EHRs follow my lead? Probably not imminently, but one can hope! Why Founding Members Only The MCP is available to Founding Member subscribers. A few reasons: It costs money and time to run. Hosting, the database, Clerk usage and AI compute for search and labeling are significant operational costs (that increase with usage). Substack gives me no way to automate access. There’s no API to check whether someone is a paid subscriber, so every user is manual operations for now. It’s a beta. We’ll need to improve things and parts will break. I’d rather they break for a small group of dedicated readers who will tell me about it. The Founding tier deserved a real benefit. Until now it was mostly a generous tip. Now it comes with something. If you’re already a Founding Member, reply to this email with the address you’d like provisioned. If you’re not and want in, upgrade here. Larger teams (such as companies) can get access too: group subscriptions at the Founding tier come with the group discount. The admin for the subscription can reply with the list of addresses to provision. Get 20% off a group subscription Pricing Founding membership is now a flat $200 a year, replacing the old suggested $150 that readers could adjust. Existing Founding Members will have access grandfathered in at their previous rate. Month in Review Articles Published Make Networks Dumb Again (Sep 11): AI is making old analog networks cheaper to use and flooding them with machine traffic in the process. A plea for agent-native rails with the intelligence at the endpoints, and for Washington to drag them to ubiquity. Interoperability, Unbuttoned (Sep 29): Interoperability is a series of workflows in a trenchcoat, and this post finally takes the trenchcoat off. A color-coded map shows which provider workflows went digital, which are fragmented, and which still run on fax. Video Content Antitrust’s System of Record Problem (Sep 3): The FTC’s investigation into Epic prompted a ninety-minute webinar, now posted with chapters and a smoothed transcript. We get into why market definition, missing B2B share data, and the SSNIP test leave antitrust poorly suited to systems of record, plus why information blocking may be doing more than any pending lawsuit. The Information Exchange: Cerner Milking Edition (Sep 18): This was so fucking fun. Ryan Tucker, Ryan Brickner, Brad Thorson, and I try an Around the Horn format, complete with points, penalties, and a mute button. We debate whether Oracle Health is dead, who would actually buy Cerner (IBM enters the chat), p(Doom), and why the front desk still hands you a clipboard. Regulatory Ask Not What Your Network Can Do (Sep 23): CDC’s RFI on public health data intermediaries lists use cases already served, unevenly, by eCR, lab reporting, IZ Gateway, and syndromic surveillance. The real opportunity sits in one question about AI: a network that can handle the next emergency without another interface project. Court cases Particle v. Epic: The Naughty Schoolteacher (Sep 4): After a summer-long vigil, the answer on Epic’s early summary judgment bid is two paragraphs and a remedial assignment. Particle advances to the next grade, and market definition gets another year of discovery. The Epic Discovery Files (Sep 8): Texas’s motions to compel arrive with a 251-page appendix of requests, objections, and meet-and-confer letters with Cravath. Inside: Epic using generative AI for document review, denied interoperability requests in scope, and Noerr-Pennington raised against lobbying discovery. Epic v. Health Gorilla: “Working as Designed” (Sep 9): Epic wants nothing to do with the data breach MDL, and explaining why puts fresh discovery on the public docket. The spiciest allegation: Health Gorilla told GuardDog to scrub its law firm business from its website instead of cutting off access. Veeva v. Epic: Legal Bypass Surgery (Sep 15): Veeva asks the Wisconsin Supreme Court to skip the Court of Appeals, while law professors and three policy groups line up as amici. Meanwhile, Epic’s lawyers apologize for another round of citation errors, including a quote that never existed. Texas v. Epic: Behind the Black Bars (Sep 17): The court portal served up Epic’s unredacted filings, revealing a $5 million document review budget and the AI workflow behind it. Also inside: the 200-plus company names Texas wants searched, and one very expensive Zoom invitation. OpenEvidence v. Doximity: Consequences Will Follow (Sep 25): OpenEvidence tells the court it will not comply with a discovery order, and its own lawyers at Quinn Emanuel say they won’t defend the choice. Add years of Slack reported unrecoverable, and Rule 37 sanctions come into view. Health Tech Keeps Choosing Violence (Sep 28): Doximity moves to end OpenEvidence’s case, Epic asks Texas to show its work, and a sleepy Audacious Inquiry patent fight sprouts antitrust and information blocking counterclaims. The main event is a long-sealed Cognizant v. Infosys ruling that hints where system of record antitrust claims can survive. EHRs One Verb for Oracle Health (Sep 14): Oracle’s earnings call quantifies every data center to the decimal point, while Oracle Health gets a single verb: “accelerate.” Panning the few healthcare mentions turns up an agentic care management system, a research-to-care ledger play, and the question of whether healthcare gets Larry’s patience. Epic’s Forretress Under Siege (Sep 30): Judy Faulkner tells a panel Epic paused hundreds of projects to harden its software and calls it a “shame,” while a spokesperson insists the roadmap hasn’t changed. Project Glasswing, a Pokémon-branded QAN sprint, and a trove of Jodel grievances reconcile the two Epics and preview the Jevons paradox coming for all software. Industry Analysis Scanning for a Network (Sep 1): Scan.com raises $220M to build the imaging network labs never got, speedrunning Zocdoc’s consumer-to-B2B pivot. Its wedge to network density may be the most American one available: personal injury litigation. The Front Desk Wants the Damn Whole Building (Sep 16): Hello Patient buys Converse Health, pushing its AI front desk into referrals, chart work, and prior auth. The copilot categories keep blurring, and your distribution partner is still your final boss. Cross-industry Comparisons A Different Patchwork Quilt (Sep 10): Healthcare loves to envy open banking, but the US version has no mandate, a toll booth at Chase, and data quality problems of its own. The grass isn’t greener; it’s another American patchwork quilt, and perhaps a worse one. Hail, Benihydra (Sep 21): Salesforce brings its platform into Claude, Slack, and its own agent, inviting the interfaces that might replace it. Cut off one head and more grow back, so long as the records underneath stay put. Living on A Trade Secret Prayer (Sep 22): Six credit unions are suing Fiserv, the Epic of core banking, by claiming their own member records as trade secrets. Banking has no Cures Act, so its lawyers reach for legal alchemy that healthcare has already tried. Other News None this month External Media Nabla Accelerate NYC: I kicked off fall conference season at Nabla’s Accelerate event in New York, where Delphine Groll opened by asking the room to picture the company it wants to become and the one it doesn’t. I liked her framework of bureaucracy, fear, and ego as the blockers. I also love vendor conferences/events in general - different vibe than industry biggies. Healthcare 101 with Nikhil Krishnan: I briefly guest lectured Out-Of-Pocket’s Healthcare 101 class. Appreciated Nikhil’s takeaways cover whether AI doctors can query HIEs, why healthcare’s data-liberation rules beat most industries’, and the hi-res graphic is in the comments. HCN: Epic Probed by the FTC: I joined the HCN guys to talk through the FTC’s investigation into Epic. Cedric’s new hairdo was an unexpected plot twist. The episode also covers MFN drug pricing, healthcare M&A and Eli Lilly’s acquisition streak. Fall Conferences: At eHealth Exchange’s Annual Meeting in Austin on Oct 27, I’ll moderate a panel on the tensions between AI, HIEs, and timely patient access with Jean Ross (Primary Record), Therasa Bell (Kno2), Byron Crowe (Doctronic), and Michael Marchant (Freenome). Here’s the rest of my schedule if you want to meet up: CommonWell (Redwood Shores, CA): Oct 13-14 Will be participating in a fun Jeopardy event Open@Epic (Madison, WI): Oct 20-23 Will be enjoying Verona, Willy Street, and other local adventures eHealth Exchange and Sequoia Project (Austin, TX): Oct 27-29 Yeehaw HLTH (Vegas): Nov 15-18 Groundhog Day, Venetian Edition RSNA (Chicago): Nov 30-Dec 2 See me at “Governing AI in Breast Imaging: What Health Systems Are Actually Doing” Digital Health Counsel 2026 AI Summit (Seattle): December 2-3 Will likely be speaking to a bunch of lawyers about information blocking Posts I Liked ChatGPT’s Epic integration: game changer or nothing burger?: Joshua Liu, MD offers five thoughts on OpenAI’s Epic launch, starting from the point that it rides the same open APIs available to anyone. He argues read-only access leaves ordering to Art and the ambient startups, and asks why HCA is piloting it alongside Commure. He’s sorta a must-follow at this point - consistently excellent, thought-provoking takes. Epic, Lilly, and the Discovery pass: Seth Chaney reads Epic’s first major Discovery deal (with Eli Lilly), as well as its revised developer terms on commercial displays, as the pipe finally opening between EHRs and pharma. Life sciences and health continue to collide. Scott Rossignol on EHR payer platforms and ePA fees: Scott argues the top ambulatory EHR vendors are turning the prior auth mandate into a per-member-per-year toll on payers, for an API whose operating cost has nothing to do with covered lives. His fix is two lines of regulatory text: put the CRD/DTR/PAS certification criteria in the Base EHR definition, and bring payer-facing ePA connectivity under § 170.404’s cost-based fee rules. It’s a good solution. Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
Science Hill football set to appeal two game forfeitures by the TSSAA
JOHNSON CITY, Tenn. (WJHL) — The TSSAA decided that Science Hill will have to forfeit its first two football games, but the school is appealing the decision on Thursday. The situation unfolded afte…
9th Circuit rejects arguments Prop. 211 law disclosing political donations is unconstitutional
There's nothing unconstitutional about a 2022 Arizona law requiring people be informed of exactly who is spending money on campaign ads designed to influence their votes, a federal appeals court ruled Wednesday.