Touch 'n Go eWallet is a Malaysian digital wallet and online payment platform, established in Kuala Lumpur, Malaysia, in July 2017 as a joint venture between Touch 'n Go and Ant Financial. It allows users to make payments at over 280,000 merchant touch points via QR code, as well as perform peer-to-peer (P2P) money transfers. Since then, the e-wallet further diversified for users to pay for tolls via RFID or PayDirect, street parking and various online payment spanning e-hailing, car-sharing apps or taxis, various overhead bills; top-up for mobile prepaid or in-game currencies; purchases on e-commerce websites; food delivery; renewing motor insurance and other insurance/takaful plans; and even movie, bus, trains or airline tickets. == Background == Prior to the launch of the e-wallet service, Touch 'n Go provided stored-value physical all-in-one contactless card (namely Touch 'n Go cards or "TnG cards") that users can use to pay for toll fares, public transportation and parking lots as well as purchases in some retail stores. In 1999, Touch 'n Go also markets SmartTag devices that allow road users to pass through certain toll booths without the need to unwind the car window. The high entry cost of the device (around RM 100 each) also meant that only few can enjoy the seamless experience. In 2009, Touch 'n Go partnered with Maxis to launch FastTap, a new mobile payment service that utilised Near-Field Communication (NFC). Maxis customers can make payments by placing the phone near the card readers (that also supports physical bank cards and Touch ’N Go cards). However, the venture featured only one phone model, Nokia 6212, which greatly limited the public reach. In July 2012, Touch 'n Go announced another collaboration with CIMB and Maxis to create similar NFC-based online transaction service that runs on compatible smartphones. Touch 'n Go Wallet was launched in February 2017 as an QR code-based e-wallet application, to compete with Samsung Pay that utilizes NFC modules. In the controlled pilot test in Taman Tun Dr Ismail, the correspondents can experience basic functionalities (prepaid mobile service reload, bills payment, movie tickets and flight tickets purchase, transfer of money with another user, and payments at participating stores and restaurants). While the deployed version of the app was generally well-received, the existing process to transfer the balance to the physical TnG card stored value from the app garnered unanimous backlash. Test groups felt that the need to head to a self-service terminal named "Pick Up Device" in person within 24 hours for completion, along with the failure to do so (the balance would be credited back to the wallet after 24 hours), was not divulged clearly and also defeated the purpose of convenience, not to mention there were only 2 such terminals. The feature was eventually suspended. On 15 November 2017, Touch 'n Go was granted permission by the Central Bank of Malaysia to form a joint venture with Ant Financial, a Chinese-based financial company that operates Alipay. The partnership allowed the local e-wallet to learn from and build upon the operational model pioneered by Alipay. In June 2018, it was reported that Touch 'n Go was pilot testing the uses of the Touch 'n Go eWallet in Rapid Transit, as the ticketing system was enabled on the Kelana Jaya line in the Klang Valley. Pilot testing only applied to stations in Kelana Jaya, KL Gateway–Universiti, Kerinchi, KL Sentral, Dang Wangi, KLCC, and Ampang Park. The test was reported to be successful in February 2020 and was planned to be fully deployed on the LRT and MRT. Due to unforeseen circumstances, this feature did not come into fruition, the app merely adds in-app purchase of monthly concession cards called "My50". In August 2018, Touch 'n Go announced that selected drivers may experience first-hand a new RFID-based payment (later rebranded as "myRFID") that serves to replace SmartTag devices on closed toll roads with during pilot testing phase commencing on 3 September 2018. On 2 November 2018, participation in the ongoing pilot programme was expanded, allowing more drivers to sign up ahead of the public rollout of the RFID system. During the same period, Touch 'n Go has discontinued the sales of SmartTAG devices in favor of the RFID-based payment system. Initially, the installation of the RFID chip onto the car could only be done by Touch 'n Go staff at the RFID fitment centers, at no cost. As the pilot testing concluded on 15 February 2020, a self-installation kit are being offered to the public on Lazada and Shopee. Support for taxi-hailing mobile apps was added in November 2018 when Touch 'n Go partnered with EzCab and Public Cab, allowing users to make payments via QR code. This was later expanded to support MULA on 7 January 2020, and later MyCar on 4 April 2020. Touch 'n Go eWallet was also the first eWallet to convert Kuala Lumpur's most famous Ramadan bazaar in Kampong Bahru into "Kampong Kashless", a venue that can accept cashless QR payments. It welcomed more than 250,000 Malaysians including local celebrities and government officials. On 1 October 2019, some e-commerce websites owned by the Alibaba Group (TMall and Taobao) began to support Touch 'n Go eWallet payments, Lazada joined the list on 29 October 2019. Touch 'n Go eWallet was one of the three e-wallet services in Malaysia (the other being Boost and GrabPay) that was eligible for its users to receive an RM 30 credit in conjunction of E-Tunai Rakyat program under the Budget 2020 plan, that further normalizes adoption of cashless and mobile payment among Malaysians. Unlike Boost and GrabPay, whose P2P transfers were completely disabled until users have exhausted the RM 30 first, Touch 'n Go eWallet did not impose such measures. in 2020, Touch 'n Go eWallet joined DuitNow, an electronic transaction ecosystem in Malaysia which allows the funds from Touch 'n Go eWallet to be transferred to other competing services and vice versa, by implementing a standard DuitNow QR code deisgn. Japan become the first country outside Malaysia to support Touch 'n Go eWallet payment via Alipay Connect. During the COVID-19 pandemic and the enforcement of the movement control order, use of eWallets (including Touch 'n Go eWallet) increased tremendously among citizens due to its contactless nature of the payment and increased take-out orders at home; which in turn helped small and medium-sized enterprises to thrive. Touch 'n Go eWallet launched its loyalty programme – The Goal Hunter – in October 2020 where on monthly basis, users collect stamps by paying with the app in exchange for rewards that include lucky draws and other vouchers. == Services == Touch 'n Go eWallet app is available for download on both Google Play and Apple Appstore. It utilizes QR code technology for local in-store payments. The Touch 'n Go eWallet app also diversifies payment types, including but not limited to Utility bills Purchase of motor insurance policy Pay Later facility Prepaid reload and Postpaid payment to telecommunications companies loan repayments for courts, MBSJ payments, zakat and PTPTN payment for car parking P2P transfer airline ticket bookings; movie tickets from TGV Cinemas RFID refuelling at Shell stations (defunct after Shell launched its own payment app in 2024) User can reload the eWallet credit by setting up auto-reload, purchasing reload pins from convenience stores (such as 7-Eleven, KK Super Mart, MyNews, Family Mart etc.), reloading by FPX and credit/debit card. The PayDirect feature allows users to link their physical Touch 'n Go cards into the eWallet, where the toll fare can be debited from the eWallet balance when flashing the card near the sensor. In the circumstance of insufficient balance in the app, the toll fare will be deducted from the physical card's balance instead. This also conveniently allows users to view the card's remaining balance. Touch 'n Go eWallet is the first and only eWallet to offer a money-back guarantee when an unauthorised transaction is made on the user’s eWallet account, subject to Terms & Conditions. Payment via QR code scanning, including Touch 'n Go eWallet, becomes a norm in most of the shops/restaurants across Malaysia, including roadside hawkers/stall owners and automatic vending machines. The merchants usually display their owner's individual QR or Business account that they can apply for in-app. The popularity attributes to the low merchant onboarding cost (Unlike NFC payment and debit/credit card that requires purchase or rental of a payment terminal device at a yearly fee.) The app is also one of the few ewallet that supports bidirectional liquidity (alongside MAE developed by Maybank), where funds can be transferred two-way with bank accounts. This is not possible with the other major ewallets (GrabPay, Boost, ShopeePay etc.) where the money that is reloaded to the wallet cannot be transferred to another bank account, unless through manual req
Token maxxing
Token Maxxing or Token Maxing is a metric used in an attempt to track productivity in the workplace especially for those using Artificial Intelligence (AI) based services. AI services charge for each token which represent units of effort expended by an AI service to solve a problem. Some believe that token consumption equates to productivity and thus can be used as a metric to monitor an employee's work. Supporters believe that higher token usage indicates higher productivity and higher utilization of powerful AI services. This also suggests that those not consuming enough tokens may be less productive and underutilizing powerful AI services. This belief might lead to an environment that incentivizes higher token usage to predict increased productivity. Critics of token maxxing as a metric claim that prudent workers will maximize any metric that management wants increased to gain a workplace advantage. For example: Engineers in the tech industries pressed to consume as many tokens as possible might run several AI agents in tandem, enter longer input prompts, or automate their tasks to maximize their token consumption. To management, this higher token usage may indicate potential productivity, but in reality may cause additional token costs, worker burnout, or actually create more bloated code of lower quality. Another claim is AI service companies potentially benefit from such an emphasis on token consumption and actively encourage the trend. Some developers have publicly advocated the practice. Developer Sigrid Jin, who said he used 50 billion tokens in a single year, has argued that maximizing token consumption is the best way to understand the value of AI, advising others to spend as much on AI usage as they pay in rent to obtain a return on investment. == See Also == Goodhart's law Perverse incentive Jevons Paradox
Mittens (chess)
Mittens is a chess engine developed by Chess.com. It was released on January 1, 2023, alongside four other engines, all of them given cat-related names. The engine became a viral sensation in the chess community due to exposure through content made by chess streamers and a social media marketing campaign, later contributing to record levels of traffic to the Chess.com website and causing issues with database scalability. Mittens was given a rating of one point by Chess.com, although it was evidently stronger than that. Various chess masters played matches against the engine, with players such as Hikaru Nakamura and Levy Rozman drawing and losing their games respectively. A month after its release, Mittens was removed from the website on February 1, as expected through Chess.com's monthly bot cycles. In December 2023, Mittens was brought back in a group of Chess.com's most popular bots of 2023. In January 2024, Mittens was removed again. == Release == Mittens was released on January 1, 2023, as part of a New Year event on Chess.com. It was one of five engines released, all with names related to cats. The other engines released were named Scaredy Cat, rated 800; Angry Cat, rated 1000; Mr. Grumpers, rated 1200 and Catspurrov (a pun on Garry Kasparov), rated 1400. As part of the announcement, a picture of each engine was accompanied by a short description of its character. The description given for Mittens suggested that the engine was hiding something, reading: Mittens likes chess… But how good is she? Of the five engines released, Mittens was by far the most popular. In December 2023, Chess.com re-released Mittens as part of a "best of 2023" group of chess bots made to showcase their most popular bots of the year. == Design == Mittens was conceptualized by Chess.com employee Will Whalen. Appearing as a kitten, Mittens trash talked its opponents with a selection of voice lines: these lines included quotes from J. Robert Oppenheimer, Vincent van Gogh and Friedrich Nietzsche, as well as the 1967 film Le Samouraï. The engine's "personality" was devised by a writing team headed by Sean Becker, and Marija Casic provided the engine's graphics. Chess.com did not disclose any information about the software running the engine. It may be based on Chess.com's Komodo Dragon 3 engine. Mittens' strategy was to slowly grind down an opponent, a tactic likened to the playing style of Anatoly Karpov. Becker stated that the design team believed it would be "way more demoralizing and funny" for the engine to play this way. According to Hikaru Nakamura, Mittens sometimes missed the best move (or winning positions). == Rating == On Chess.com, Mittens had a rating of one point. However, the engine's playing style and tactics showed that it was stronger than that; Mittens was able to beat or draw against many top human players. In an interview with CNN Business, Whalen stated that the idea behind giving Mittens a rating of one was to surprise its opponents, giving it the upper hand psychologically. Estimates of Mittens' true rating range from an Elo of 3200 to 3500, because of its ability to beat other engines of around that level. An upper bound of the engine's rating was found after Levy Rozman made Mittens play against Stockfish 15, a 3700 rated engine. Mittens lost the two games that the engines played. The range of Mittens' possible ratings was summarized by Dot Esports, who stated: It seems like she’s around the 3200–3500 rating range (in Chess.com terms, where the best human players, like Magnus Carlsen and Hikaru Nakamura, sport a 3000–3100 rating in the faster formats), as evidenced by her victories over the site’s otherwise strongest, 3200-rated bots, and her defeat to Stockfish 15, which is currently rated around 3700. == Games == Against human players, Mittens won over 99 percent of the millions of games it played. Chess players such as Hikaru Nakamura, Benjamin Bok, Levy Rozman and Eric Rosen struggled against Mittens; while Rozman and Rosen both lost against the engine, Nakamura and Bok were both able to make a draw. In particular, Nakamura's game against the engine lasted 166 moves; he was playing as White. Bok, Benjamin Finegold and Rozman later went on to win against Mittens, the latter with engine assistance from Stockfish. Magnus Carlsen publicly refused to play the engine, calling it a "transparent marketing trick" and "a soulless computer". Against other chess engines, Mittens participated in the Chess.com Computer Chess Championship as a side act. In the competition, Mittens played 150 games against an engine named after the film M3GAN and won overall with a score of 81.5 to 68.5. This equated to 54 percent of the games played. During the event, an estimate of Mittens' rating was made at 3515 points. == Impact == Mittens went viral in the chess community due to its concept and design: according to an announcement by Chess.com, a combined total of 120 million games were played against the cat engines over the course of January, with around 40 million played against Mittens. The popularity of the engine was helped by the social media exposure created by Chess.com. This included creating an official Twitter account to promote the engine. Chess streamers like Rozman and Nakamura helped cultivate this by creating content around the engine. A video by Nakamura entitled "Mittens the chess bot will make you quit chess" gained over 3.5 million views on YouTube. On January 11, Chess.com reported issues with database scalability due to record levels of traffic: 40 percent more games had been played on Chess.com in January 2023 than any other month since the website's release. According to The Wall Street Journal, the popularity spike was more than the similar surge following the release of Netflix's The Queen's Gambit. The popularity of Mittens was cited by Chess.com as a reason for this instability. The problems continued throughout January; Chess.com stated that they would have to upgrade their servers and invest more in cloud computing to solve the problems caused by the website's popularity surge. On February 1, 2023, Mittens and the other cat engines were removed from the computer section of Chess.com. They were replaced with five new engines themed around artificial intelligence. A tweet was posted on the Mittens's Twitter account after the engine's removal, reading "This is just the beginning. Goodbye for now."
Semantic triple
A semantic triple, or RDF triple or simply triple, is the atomic data entity in the Resource Description Framework (RDF) data model. As its name indicates, a triple is a sequence of three entities that codifies a statement about semantic data in the form of subject–predicate–object expressions (e.g., "Bob is 35", or "Bob knows John"). == Subject, predicate and object == This format enables knowledge to be represented in a machine-readable way. Particularly, every part of an RDF triple is individually addressable via unique URIs—for example, the statement "Bob knows John" might be represented in RDF as: http://example.name#BobSmith12 http://xmlns.com/foaf/spec/#term_knows http://example.name#JohnDoe34. Given this precise representation, semantic data can be unambiguously queried and reasoned about. The components of a triple, such as the statement "The sky has the color blue", consist of a subject ("the sky"), a predicate ("has the color"), and an object ("blue"). This is similar to the classical notation of an entity–attribute–value model within object-oriented design, where this example would be expressed as an entity (sky), an attribute (color) and a value (blue). From this basic structure, triples can be composed into more complex models, by using triples as objects or subjects of other triples—for example, Mike → said → (triples → can be → objects). Given their particular, consistent structure, a collection of triples is often stored in purpose-built databases called triplestores. == Difference from relational databases == A relational database is the classical form for information storage, working with different tables, which consist of rows. The query language SQL is able to retrieve information from such a database. In contrast, RDF triple storage works with logical predicates. No tables nor rows are needed, but the information is stored in a text file. An RDF-triple store can be converted into an SQL database and the other way around. If the knowledge is highly unstructured and dedicated tables aren't flexible enough, semantic triples are used over classic relational storage. In contrast to a traditional SQL database, an RDF triple store isn't created with a table editor. The preferred tool is a knowledge editor, for example Protégé. Protégé looks similar to an object-oriented modeling application used for software engineering, but it's focused on natural language information. The RDF triples are aggregated into a knowledge base, which allows external parsers to run requests. Possible applications include the creation of non-player characters within video games. == Limitations == One concern about triple storage is its lack of database scalability. This problem is especially pertinent if millions of triples are stored and retrieved in a database. The seek time is larger than for classical SQL-based databases. A more complex issue is a knowledge model's inability to predict future states. Even if all the domain knowledge is available as logical predicates, the model fails in answering what-if questions. For example, suppose in the RDF format a room with a robot and table is described. The robot knows what the location of the table is, is aware of the distance to the table and knows also that a table is a type of furniture. Before the robot can plan its next action, it needs temporal reasoning capabilities. Thus, the knowledge model should answer hypothetical questions in advance before an action is taken.
Mira Murati
Ermira "Mira" Murati (born 16 December 1988) is an Albanian-American business executive. She launched an AI startup called Thinking Machines Lab in February 2025. Previously she was the chief technology officer of OpenAI, and a senior product manager at Tesla. == Early life and education == Murati was born on 16 December 1988 in Vlorë, Albania. She is fluent in Italian. At age 16, she won a United World Colleges (UWC) scholarship to study at Pearson College on Vancouver Island in Canada, from which she graduated in 2007 with an International Baccalaureate. After Pearson, she went to the United States to pursue further studies through a dual-degree program, earning a Bachelor of Arts from Colby College in 2011, and a Bachelor of Engineering degree from Dartmouth College's Thayer School of Engineering in 2012. == Career == === Early career === Murati interned in 2011 as a summer analyst at Goldman Sachs in Tokyo, Japan. She then briefly worked for Zodiac Aerospace as an intern before joining the electric car company Tesla in 2013 as a product manager on the Model X. From 2016 to 2018, she worked for the augmented reality start-up Leap Motion (now Ultraleap). === OpenAI === In 2018, she joined OpenAI as the VP of Applied AI and partnerships. She became chief technology officer (CTO) in May 2022. She led OpenAI's work on ChatGPT, Dall-E, Codex and Sora, while overseeing its research, product and safety teams. She oversaw technical advancements and direction of OpenAI's various projects, including the development of advanced AI models and tools. Murati worked on several of OpenAI's notable products, such as the Generative Pretrained Transformer (GPT) series of language models. Commenting about the potential loss of creative jobs to AI, Murati said that "maybe [the jobs] shouldn’t have been there in the first place". In October 2023, Murati was ranked 57th on Fortune's list of "The 100 Most Powerful Women in Business of 2023". In November 2023, Murati became interim chief executive officer of OpenAI following the removal of Sam Altman from the job. She had collaborated with Ilya Sutskever, whose 52-page memo outlining concerns about Altman relied heavily on screenshots and information she provided, which contributed to the board's decision to oust him. Murati was replaced by Emmett Shear three days later, who left when Altman was reinstated five days later. Following these events, Murati returned to her role as CTO. In June 2024, Dartmouth College awarded Murati an honorary Doctor of Science for having "democratized technology and advanced a better, safer world for us all". In September 2024, Murati announced that she was stepping down as CTO to allow her the opportunity to "do my own exploration". This move came amid a wider executive exodus as OpenAI chief research officer Bob McGrew and a vice president of research, Barret Zoph, also announced their departures soon after. === Thinking Machines Lab === In February 2025, Murati launched Thinking Machines Lab, a new public benefit corporation aiming "to make AI systems more widely understood, customizable, and generally capable". She was reported to have hired "a team of about 30 leading researchers and engineers from competitors including Meta, Mistral, and OpenAI." People involved with the startup include OpenAI cofounder John Schulman, and advisors Alec Radford and Bob McGrew. The following month, Bloomberg reported that the company had reached an estimated valuation of $9 billion, with an "average founder stake value" of $1.4 billion. In April 2025, Thinking Machines Lab reportedly aimed for a $2 billion seed round (requiring a minimum investment of $50 million). The round was led by Andreessen Horowitz and included participation from the government of Albania, valuing the company at $12 billion. Thinking Machines Lab follows a governance structure wherein Mira Murati holds a deciding vote on board matters, weighted to provide her with a majority decision-making capability. In October 2025, Thinking Machines Lab announced its first product, Tinker, a tool used to create custom frontier AI models. == Publications == Murati, Ermira (Spring 2022). "Language & Coding Creativity". Daedalus. 151 (2). Cambridge, MA: American Academy of Arts and Sciences (AAAS): 156–167. doi:10.1162/daed_a_01907. Retrieved 25 September 2024.
Event condition action
Event condition action (ECA) is a short-cut for referring to the structure of active rules in event-driven architecture and active database systems. Such a rule traditionally consisted of three parts: The event part specifies the signal that triggers the invocation of the rule The condition part is a logical test that, if satisfied or evaluates to true, causes the action to be carried out The action part consists of updates or invocations on the local data This structure was used by the early research in active databases which started to use the term ECA. Current state of the art ECA rule engines use many variations on rule structure. Also other features not considered by the early research is introduced, such as strategies for event selection into the event part. In a memory-based rule engine, the condition could be some tests on local data and actions could be updates to object attributes. In a database system, the condition could simply be a query to the database, with the result set (if not null) being passed to the action part for changes to the database. In either case, actions could also be calls to external programs or remote procedures. Note that for database usage, updates to the database are regarded as internal events. As a consequence, the execution of the action part of an active rule can match the event part of the same or another active rule, thus triggering it. The equivalent in a memory-based rule engine would be to invoke an external method that caused an external event to trigger another ECA rule. ECA rules can also be used in rule engines that use variants of the Rete algorithm for rule processing. == ECA rule engines == Rulecore Concurrent Rules Apart Database Detect Invocation Rules ConceptBase ECArules
Cristóbal Valenzuela
Cristóbal Valenzuela (born 1989) is a Chilean-born technologist, software developer, and CEO of Runway. In 2018, Valenzuela co-founded the AI research company Runway in New York City with Anastasis Germanidis and Alejandro Matamala. == Education == Valenzuela graduated from Adolfo Ibáñez University (AIU), a research private university in Chile. From there, Valenzuela obtained a bachelor's degree in economics and business management, along with a master's degree in arts in design in 2012. In 2018, he graduated with a media arts degree from ITP NYU's Tisch School of the Arts. == Career and recognition == One of Valenzuela's first jobs was as a teaching and research assistant at the Adolfo Ibáñez University School of Design, and later an adjunct professor in the same department. In 2018, he became a researcher at NYU's Tisch School of the Arts ITP program, where he worked with Daniel Shiffman. He contributes to open-source software projects, including ml5.js, an open-source machine learning software. He co-founded Runway with two colleagues from ITP, Anastasis Germanidis, and Alejandro Matamala. The goal of Runway is to create new tools for human imagination using generative AI. In recent years, Valenzuela's work has been sponsored by Google and the Processing Foundation and his projects have been exhibited throughout Latin America and the US, including the Santiago Museum of Contemporary Art, Lollapalooza, NYC Media Lab, New Latin Wave, Inter-American Development Bank, Stanford University and New York University. In September 2023, Valenzuela was named as one of the TIME 100 Most Influential People in AI (TIME100 AI).