lakeFS is an open-source data version control system for managing data stored in object storage. It provides Git-like operations such as branching, committing, merging, and reverting for large-scale data stored in systems including Amazon S3, Azure Blob Storage, and Google Cloud Storage, as well as other S3-compatible object storage platforms. lakeFS is used in data engineering and machine learning workflows to manage changes to data, support reproducibility, and enable data governance across data lakes. The software is available as an open-source project, as well as in enterprise and managed service offerings, including lakeFS Cloud. == History == lakeFS was created in 2020 by Einat Orr and Oz Katz at Treeverse. Its first public release, version 0.8.1, appeared in August 2020 and introduced Git-style operations with support for Amazon S3. In 2021, Treeverse raised $23 million in a Series A funding round led by Dell Technologies Capital, Norwest Venture Partners, and Zeev Ventures. The same year, lakeFS was included in InfoWorld’s Best of Open Source Software (Bossie) awards. In June 2022, Treeverse introduced lakeFS Cloud, a managed service providing hosted lakeFS deployments for cloud-based data lakes. Version 1.0 was released in October 2023, adding integrations with platforms such as Databricks and Apache Iceberg, as well as support for orchestration tools including Apache Airflow. Public case studies and conference materials have described usage of lakeFS by organizations such as Microsoft, Volvo, and NASA. In July 2025, Treeverse announced an additional $20 million in growth funding to support further development of lakeFS. In November 2025, Treeverse announced the acquisition of the open-source data version control project DVC. == Software == === Overview === lakeFS provides Git-like operations such as branching, committing, merging, and reverting for datasets stored in object storage. These operations are used to manage changes to data, test modifications in isolation, reproduce specific data states, and recover from errors or unintended updates. === Architecture === lakeFS operates as a metadata layer on top of object storage systems such as Amazon S3, Azure Blob Storage, and Google Cloud Storage. It stores repository metadata describing commits, branches, and tags, enabling versioned views of data without copying underlying objects. The system provides access through multiple interfaces, including a web user interface, command-line tools, a REST API, and software development kits. It is designed to integrate with existing data engineering and machine learning workflows, and can be deployed either in self-hosted environments or as a managed service. === Functions === lakeFS provides version control functionality for data stored in object storage–based data lakes. Core features include: Atomic commits and version tracking for datasets, supporting reproducibility and auditability. Branching and merging mechanisms that allow isolated development and testing without duplicating data. Configurable hooks that can validate data or trigger external processes during commit and merge operations. The ability to revert repositories to earlier states to recover from data errors or failed changes. Recording of commit history and associated metadata for lineage tracking. Support for managing data across multiple object storage systems, including Amazon S3, Azure Blob Storage, Google Cloud Storage, and MinIO. Use of fixed data versions to reproduce experiments and machine learning model training. === Integrations === Coverage of lakeFS has described integrations with platforms such as Databricks and Apache Iceberg, as well as support for environments including Red Hat OpenShift. Additional materials describe its use with Trino, including validation of data changes prior to merging in versioned data workflows, as well as compatibility with orchestration tools such as Apache Airflow.
WebPlus
Serif WebPlus was a website design program for Microsoft Windows, developed by the software company, Serif. It allows users to design, create and upload their website onto the internet without any knowledge of HTML or other web technologies. Much like Microsoft Word, WebPlus uses WYSIWYG drag and drop editing to add and position text, images and links as they would appear on the finished web page. Once a user has designed their site, WebPlus can preview the site in a web browser before uploading the site using the in-built FTP. The software comes with a variety of pre-designed sample websites containing Filler text like Lorem ipsum, which can be used as a template for quickly designing a site. It also provides drawing tools for creating and editing buttons and web graphics. == Free WebPlus Starter Edition == Previously Serif had made available feature limited Starter Editions of their software, based on older versions, which could be obtained and used free of charge. For WebPlus the final free edition was based on version X5 and this was released in September 2012. This continued to be available from Serif's server until it was withdrawn around March 2016. WebPlus was then only available as a paid-for version X8. == Program Withdrawal == In March 2016, Serif announced that WebPlus X8 would be the final version, and that there were no current plans to design an application to replace it. Sales of WebPlus X8 by Serif were ended around December 2016. In early 2018, Serif announced that Serif Web Resources, hosted on Serif servers and required to implement some advanced web-site functionality in WebPlus created sites, would no longer work after 31 August 2018. In 2018, Serif also shutdown the servers that generated the "Plus" software registration numbers on-line from the product version and the individual generated installation number. Serif revealed the alternative was to use a universal master registration number, which is 881887. This is known to work with post 2003 Serif "Plus" software (e.g. verified to work with PagePlus v5.02). However, later Serif "Plus" software still registers itself automatically if within a certain recent period of a previous Serif software registration on the same PC. == Supported platforms == WebPlus was developed for Microsoft Windows "Win32" graphical desktop interface and is fully compatible with Windows XP, Windows Vista (32/64bit), Windows 7 (32/64bit) and Windows 8. == Features == Web hosting to upload websites to the internet with the address www.sitename.webplus.net and email [email protected]. E-Commerce tool to create online stores with providers such as PayPal. Form wizard generates online forms to collect information from website visitors. Add blogs, forums, hit counters, online polls and content management systems to websites using Smart Objects. Google Maps tool embeds maps and optional navigation markers within a website. Site navigation bars adopt a website's structure providing a tool for navigating around the website. Photo gallery groups a collection of images together and displays them as an animated slideshow. Search engine optimization (SEO) tools optimise a websites search ranking with the likes of Google, Yahoo! and Bing. Collect website metrics such as page popularity and number of website hits using Google Analytics. WebPlus X5 introduced a button studio for creating button graphics. Restrict access to specific pages on a website with a secure member's area. WebPlus automatically converts images and graphics into a web targeted format, optimising them for fast download. Embed YouTube videos within a web page. Add animated effects to a website with Animated GIFs, Animated Marquees or by importing Flash videos. Stream news and information feeds to a website using RSS and podcasts. Automated Site Checker analyses and corrects potential problems with a website. AdSense tool incorporates Google AdSense advertisements into a website In-built FTP transfers files onto a web server, uploading a website to the internet. In-built Basic Photo Editor the PhotoLab can make automatic adjustments and "Quick Fix's" to photos. From X5, WebPlus offers image editing and filters, through its PhotoLab and also provides a dedicated background-removal tool in the form of Cutout Studio. Display images, Flash videos and web pages using animated Lightboxes. Filter Effects can be applied to the graphical objects, giving convincing, realistic effects such as glass, metallic, plastic and other 2D/3D filters. WebPlus also provides QuickShapes for creating button and web graphics. These predefined shapes can be quickly modified with sliders to adjust certain parameters, for example creating rounded rectangles, etc. Shapes include: rectangles, ellipses, stars, spirals, cogs, petals, etc.
Microapp
A microapp is a super-specialized application designed to perform one task or use case with the only objective of doing it well. They follow the single responsibility principle, which states that "a class should have one and only one reason to change." Micro applications help developers create less complex applications while reducing costs by breaking down monolithic systems into groups of independent services acting as one system. A good example of Microapps would be https://docs.citrix.com/en-us/legacy-archive/downloads/microapps.pdfthat provide single purpose action from Salesforce and over 40 applications on its workspace. == Requirements and characteristics == Microapps usually are accessible on any device, display, or operating system without installation on the viewer's device. To qualify as a microapp, the entity must: be built and deployed as an independent software module bring together various media types into a single experience have advanced security and compliance features be functionally-extensible comply with granular data demands be agnostic single use case oriented Microapps differentiate from traditional web or mobile applications by how the end-user interacts with them. Consequently, they can be embedded in websites or viewed online to bypass app stores and are typically built to provide a focused experience to the user. == Usage == Microapps are typically used for commercial purposes to reduce development costs for projects not requiring the large scope of a traditional web or mobile application. In addition, they are often used to showcase in-depth information or enrich marketing material with interactivity. Lately, micro apps are being used to boost productivity by providing quick tools to people to reuse best practices. Users have been interacting with microapps for a while with suites like Microsoft 365 and Google Workspace, where each one of their end-user services could be considered as a microapp. All these microapps share a unique identity manager to provide a unified user experience. == Benefits == Replacing monolith systems with microapps provide several advantages like: Reduce complexity for developers and users. Smaller, more cohesive, and maintainable codebases Scalable organizations with decoupled, autonomous teams Allows for hyper-specialization Independent deployment Multi-stack == Cloud-native microapps == Technologies like Kubernetes, or OpenShift, allow companies to replace their monolith and legacy systems with modular software taking advantage of microapps on reducing costs and improve reliability and security. == Microapps vs. microservices == There is a widespread misunderstanding between these two concepts, which is the key difference. Microservices is an architectural style that is systems-centric, meaning it decouples the presentation and data layer using web services APIs. On the other side, micro apps behave more as a super-architecture style (that embraces microservices among other types), and it is user-centric, meaning they decouple the whole monolith system onto modules that are designed to interact with final users. Both architectural styles rely on modularity to provide high performance, scalability, and resilience. == Considerations == Developing Micro apps requires a different approach than traditional software, and user experience is crucial. The following considerations are essential for switching to microapps. To run multiple microapps is required a single identity management system. Microservices are well suited to make microapps more powerful Apps with different levels of maturity might create a non-unified user experience. Duplication of dependencies can create security issues and inefficiencies. Suitable for well-organized teams
BERT (language model)
Bidirectional encoder representations from transformers (BERT) is a language model introduced in October 2018 by researchers at Google. It learns to represent text as a sequence of vectors using self-supervised learning. It uses the encoder-only transformer architecture. BERT dramatically improved the state of the art for large language models. As of 2020, BERT is a ubiquitous baseline in natural language processing (NLP) experiments. BERT is trained by masked token prediction and next sentence prediction. With this training, BERT learns contextual, latent representations of tokens in their context, similar to ELMo and GPT-2. It found applications for many natural language processing tasks, such as coreference resolution and polysemy resolution. It improved on ELMo and spawned the study of "BERTology", which attempts to interpret what is learned by BERT. BERT was originally implemented in the English language at two model sizes, BERTBASE (110 million parameters) and BERTLARGE (340 million parameters). Both were trained on the Toronto BookCorpus (800M words) and English Wikipedia (2,500M words). The weights were released on GitHub. On March 11, 2020, 24 smaller models were released, the smallest being BERTTINY with just 4 million parameters. == Architecture == BERT is an "encoder-only" transformer architecture. At a high level, BERT consists of 4 modules: Tokenizer: This module converts a piece of English text into a sequence of integers ("tokens"). Embedding: This module converts the sequence of tokens into an array of real-valued vectors representing the tokens. It represents the conversion of discrete token types into a lower-dimensional Euclidean space. Encoder: a stack of Transformer blocks with self-attention, but without causal masking. Task head: This module converts the final representation vectors into one-shot encoded tokens again by producing a predicted probability distribution over the token types. It can be viewed as a simple decoder, decoding the latent representation into token types, or as an "un-embedding layer". The task head is necessary for pre-training, but it is often unnecessary for so-called "downstream tasks," such as question answering or sentiment classification. Instead, one removes the task head and replaces it with a newly initialized module suited for the task, and finetune the new module. The latent vector representation of the model is directly fed into this new module, allowing for sample-efficient transfer learning. === Embedding === This section describes the embedding used by BERTBASE. The other one, BERTLARGE, is similar, just larger. The tokenizer of BERT is WordPiece, which is a sub-word strategy like byte-pair encoding. Its vocabulary size is 30,000, and any token not appearing in its vocabulary is replaced by [UNK] ("unknown"). The first layer is the embedding layer, which contains three components: token type embeddings, position embeddings, and segment type embeddings. Token type: The token type is a standard embedding layer, translating a one-hot vector into a dense vector based on its token type. Position: The position embeddings are based on a token's position in the sequence. BERT uses absolute position embeddings, where each position in a sequence is mapped to a real-valued vector. Each dimension of the vector consists of a sinusoidal function that takes the position in the sequence as input. Segment type: Using a vocabulary of just 0 or 1, this embedding layer produces a dense vector based on whether the token belongs to the first or second text segment in that input. In other words, type-1 tokens are all tokens that appear after the [SEP] special token. All prior tokens are type-0. The three embedding vectors are added together representing the initial token representation as a function of these three pieces of information. After embedding, the vector representation is normalized using a LayerNorm operation, outputting a 768-dimensional vector for each input token. After this, the representation vectors are passed forward through 12 Transformer encoder blocks, and are decoded back to 30,000-dimensional vocabulary space using a basic affine transformation layer. === Architectural family === The encoder stack of BERT has 2 free parameters: L {\displaystyle L} , the number of layers, and H {\displaystyle H} , the hidden size. There are always H / 64 {\displaystyle H/64} self-attention heads, and the feed-forward/filter size is always 4 H {\displaystyle 4H} . By varying these two numbers, one obtains an entire family of BERT models. For BERT: the feed-forward size and filter size are synonymous. Both of them denote the number of dimensions in the middle layer of the feed-forward network. the hidden size and embedding size are synonymous. Both of them denote the number of real numbers used to represent a token. The notation for encoder stack is written as L/H. For example, BERTBASE is written as 12L/768H, BERTLARGE as 24L/1024H, and BERTTINY as 2L/128H. == Training == === Pre-training === BERT was pre-trained simultaneously on two tasks: Masked language modeling (MLM): In this task, BERT ingests a sequence of words, where one word may be randomly changed ("masked"), and BERT tries to predict the original words that had been changed. For example, in the sentence "The cat sat on the [MASK]," BERT would need to predict "mat." This helps BERT learn bidirectional context, meaning it understands the relationships between words not just from left to right or right to left but from both directions at the same time. Next sentence prediction (NSP): In this task, BERT is trained to predict whether one sentence logically follows another. For example, given two sentences, "The cat sat on the mat" and "It was a sunny day", BERT has to decide if the second sentence is a valid continuation of the first one. This helps BERT understand relationships between sentences, which is important for tasks like question answering or document classification. ==== Masked language modeling ==== In masked language modeling, 15% of tokens would be randomly selected for masked-prediction task, and the training objective was to predict the masked token given its context. In more detail, the selected token is: replaced with a [MASK] token with probability 80%, replaced with a random word token with probability 10%, not replaced with probability 10%. The reason not all selected tokens are masked is to avoid the dataset shift problem. The dataset shift problem arises when the distribution of inputs seen during training differs significantly from the distribution encountered during inference. A trained BERT model might be applied to word representation (like Word2Vec), where it would be run over sentences not containing any [MASK] tokens. It is later found that more diverse training objectives are generally better. As an illustrative example, consider the sentence "my dog is cute". It would first be divided into tokens like "my1 dog2 is3 cute4". Then a random token in the sentence would be picked. Let it be the 4th one "cute4". Next, there would be three possibilities: with probability 80%, the chosen token is masked, resulting in "my1 dog2 is3 [MASK]4"; with probability 10%, the chosen token is replaced by a uniformly sampled random token, such as "happy", resulting in "my1 dog2 is3 happy4"; with probability 10%, nothing is done, resulting in "my1 dog2 is3 cute4". After processing the input text, the model's 4th output vector is passed to its decoder layer, which outputs a probability distribution over its 30,000-dimensional vocabulary space. ==== Next sentence prediction ==== Given two sentences, the model predicts if they appear sequentially in the training corpus, outputting either [IsNext] or [NotNext]. During training, the algorithm sometimes samples two sentences from a single continuous span in the training corpus, while at other times, it samples two sentences from two discontinuous spans. The first sentence starts with a special token, [CLS] (for "classify"). The two sentences are separated by another special token, [SEP] (for "separate"). After processing the two sentences, the final vector for the [CLS] token is passed to a linear layer for binary classification into [IsNext] and [NotNext]. For example: Given "[CLS] my dog is cute [SEP] he likes playing [SEP]", the model should predict [IsNext]. Given "[CLS] my dog is cute [SEP] how do magnets work [SEP]", the model should predict [NotNext]. === Fine-tuning === BERT is meant as a general pretrained model for various applications in natural language processing. That is, after pre-training, BERT can be fine-tuned with fewer resources on smaller datasets to optimize its performance on specific tasks such as natural language inference and text classification, and sequence-to-sequence-based language generation tasks such as question answering and conversational response generation. The original BERT paper published results demonstrating that a small amount of fine
Hybrid machine translation
Hybrid machine translation is a method of machine translation that is characterized by the use of multiple machine translation approaches within a single machine translation system. The motivation for developing hybrid machine translation systems stems from the failure of any single technique to achieve a satisfactory level of accuracy. Many hybrid machine translation systems have been successful in improving the accuracy of the translations, and there are several popular machine translation systems which employ hybrid methods. == Approaches == === Multi-engine === This approach to hybrid machine translation involves running multiple machine translation systems in parallel. The final output is generated by combining the output of all the sub-systems. Most commonly, these systems use statistical and rule-based translation subsystems, but other combinations have been explored. For example, researchers at Carnegie Mellon University have had some success combining example-based, transfer-based, knowledge-based and statistical translation sub-systems into one machine translation system. === Statistical rule generation === This approach involves using statistical data to generate lexical and syntactic rules. The input is then processed with these rules as if it were a rule-based translator. This approach attempts to avoid the difficult and time-consuming task of creating a set of comprehensive, fine-grained linguistic rules by extracting those rules from the training corpus. This approach still suffers from many problems of normal statistical machine translation, namely that the accuracy of the translation will depend heavily on the similarity of the input text to the text of the training corpus. As a result, this technique has had the most success in domain-specific applications, and has the same difficulties with domain adaptation as many statistical machine translation systems. === Multi-Pass === This approach involves serially processing the input multiple times. The most common technique used in multi-pass machine translation systems is to pre-process the input with a rule-based machine translation system. The output of the rule-based pre-processor is passed to a statistical machine translation system, which produces the final output. This technique is used to limit the amount of information a statistical system need consider, significantly reducing the processing power required. It also removes the need for the rule-based system to be a complete translation system for the language, significantly reducing the amount of human effort and labor necessary to build the system. === Confidence-Based === This approach differs from the other hybrid approaches in that in most cases only one translation technology is used. A confidence metric is produced for each translated sentence from which a decision can be made whether to try a secondary translation technology or to proceed with the initial translation output. SMT is also used when common error patterns such as multiple repeat words appear in sequence, as is common with NMT when the attention mechanism is confused.
Stripe, Inc.
Stripe, Inc. is an Irish and American multinational financial services and software as a service (SaaS) company dual-headquartered in South San Francisco, California, United States, and Dublin, Ireland. The company primarily offers payment-processing software and application programming interfaces for e-commerce websites and mobile applications. Stripe is the largest privately owned financial technology company with a valuation of about $159 billion and over $1.9 trillion in payment volume processed in 2025, processing transactions for 5 million businesses in that year. == History == Irish entrepreneur brothers John and Patrick Collison founded Stripe in Palo Alto, California, in 2010, and serve as the company's president and CEO, respectively. In 2011 the company received a $2 million investment, including contributions from Elon Musk, PayPal founder Peter Thiel, Irish entrepreneur Liam Casey, and venture capital firms Sequoia Capital, Andreessen Horowitz, and SV Angel. In March 2013, Stripe made its first acquisition, Kickoff, a chat and task-management application. In 2012 the company moved from Palo Alto to San Francisco. In October 2019, the company announced that it would be moving from the South of Market area to Oyster Point in the neighbouring city of South San Francisco in 2021. In February 2021, Mark Carney, former governor of the Bank of Canada and of the Bank of England, was appointed to the company's board. Carney stepped down from his role with the company in 2025 in order to run for the leadership of the Liberal Party. Stripe acquired accountancy platform Recko in October 2021 whose solution was to be added to Stripe's existing suite of financial tools. In January 2022, Stripe entered a five-year partnership with Ford Motor Company. Through the deal, Stripe would handle transactions for consumer vehicle orders and reservations. That same month, Stripe partnered with Spotify to help the company monetize subscriptions. In April 2022, Twitter announced that it would partner with Stripe, Inc. (digital payments processor) for piloting cryptocurrency pay-outs for limited users in the platform. In April 2022, Stripe announced its strategic partnership with UK-based financial technology company ION. The Wall Street Journal reported in July 2022 that the company's internal share price had fallen, causing its implied valuation to drop from $95 billion to $74 billion. In November 2022, the company announced it intended to initiate layoffs, terminating some 14% of its workforce. Throughout 2022 and 2023, the company announced a number of large enterprise customers, including Airbnb, Amazon, Microsoft, Uber, BMW, Maersk, Zara, Lotus, Alaska Airlines, Le Monde, and Toyota. The company also announced in March 2023 that OpenAI is working with Stripe to commercialize its generative AI technology. In January 2025, Stripe sent layoff notices to nearly 300 workers, primarily affecting roles in Product, Operations and Engineering. The company experienced controversy when the company sent a cartoon picture of a duck to the laid-off employees. Stripe's Chief People Officer Rob McIntosh later apologized for the mistake. After re-enabling cryptocurrency pay-ins in April 2024, starting with USDC, Stripe completed the acquisition of Bridge in February 2025. The acquisition of the two-year-old stablecoin platform company is valued at $1.1 billion. In June 2025, the company acquired Privy, which powers crypto wallets. In September 2025, Stripe announced it was powering Instant Checkout in ChatGPT and released Agentic Commerce Protocol for agentic commerce, which was co-developed with OpenAI. In October 2025, the company opened its second headquarters in Dublin, Ireland. In February 2026, Stripe was valued at $159 billion in a tender offer posted for employees and shareholders. The tender offer was about a 70% increase from Stripe's previous valuation published in February 2025, where it was valued at $91.5 billion. Stripe also announced that its total volume increased to $1.9 trillion USD in 2025, a 34% increase from 2024. == Technology company == === Payment processing === Stripe provides application programming interfaces that web developers can use to integrate payment processing into their websites and mobile applications. The company introduced Stripe Connect in 2012, a multiparty payments solution that lets software developers embed payments natively into their products. In April 2018, Stripe released antifraud tools, branded "Radar", that block fraudulent transactions. The same year, it expanded its services to include a billing product for online businesses, allowing businesses to manage subscription recurring revenue and invoicing. Stripe's point-of-sale service called Terminal was made available to US users on 11 June 2019. Terminal had previously been invitation-only. Terminal is currently available in Australia, Canada, France, Germany, Ireland, the Netherlands, New Zealand, Singapore, and the United Kingdom. The service offers physical credit-card readers designed to work with Stripe. On 5 September 2019, Stripe launched a merchant cash-advance scheme called Stripe Capital. The scheme allows Stripe merchants to request an advance on future payments they expect to process through their Stripe merchant account. In June 2021, the company launched Stripe Tax, a service to allow businesses to automatically calculate and collect sales tax, VAT, and GST, initially rolling out to 30 countries and all US states. As of 2025, it has been made available in 102 countries. In May that year, Stripe introduced Payment Links, a no-code product allowing businesses to create a link to a checkout page and begin accepting payments on social platforms or direct channels. In January 2022, Stripe agreed to acquire Terminal manufacturing partner BBPOS, allowing the company to bring the hardware development of Terminal readers in-house. In February, it was announced as Apple's first partner on in-person Tap to Pay, which enables businesses to accept contactless payments using an iPhone and a partner-enabled iOS app. In May, Stripe announced Data Pipeline, a tool for Stripe users who store data with Amazon Redshift or Snowflake Data Cloud. Data Pipeline syncs Stripe data and reports with Amazon Redshift or Snowflake Data Cloud, where they can be queried in combination with other business information. That month, the company also introduced Stripe Financial Connections, enabling businesses to establish direct connections with their customers’ bank accounts to verify accounts for payments and pay-outs, check balances to reduce payment failures, and cut fraud by confirming bank account ownership. In September 2023, Stripe announced that its optimized checkout suite allowed businesses to offer their customers more than 100 payment methods. In May 2025, Stripe announced a new AI foundational model for payments, and introduced stablecoin powered accounts. === Corporate finance === In July 2018, Stripe introduced Stripe Issuing, a product that allows online businesses and platforms to create their own physical and digital credit and debit cards. === Atlas === On 14 February 2016, the company launched the Atlas platform to help start-ups register as US corporations, targeting foreign entrepreneurs. The platform was originally invitation-only. In March 2016, Cuba was added to the list of countries covered under the program. Originally, companies registered using Atlas were set up as Delaware-based C corporations. As of 30 April 2018, the option to be registered as limited liability companies was added. Companies set up using Atlas automatically had a business bank account and Stripe merchant account set up. === Link === In May 2021, Stripe launched Link, a service for saving and auto-filling payment details when paying via Stripe. The service supported payments in over 185 countries and Stripe reported plans to make it available to platform businesses through its API. In September 2025, Patrick Collison announced that Link had surpassed 200 million users. === Other === In 2018, Stripe started a publishing company named Stripe Press to promote ideas that support businesses. In 2019, Stripe began offering loans and credit cards to businesses in the United States. The company stated that loans are approved automatically using machine-learning models, with no human intervention. The following year, the company introduced Stripe Treasury, which provides its platform users APIs to embed financial services, allowing their customers to send, receive, and store funds. In October 2020, Stripe announced Stripe Climate, a service for businesses to fund atmospheric carbon research and capture. In 2022, Stripe started a new subsidiary called Frontier that would direct spending on carbon removal. It announced $925 million in funding from major Silicon Valley companies to fund start up companies performing carbon capture to kick-start the industry. Stripe Identity, launched in Ju
Virtual assistant
A virtual assistant (VA) is a software agent that can perform a range of tasks or services for a user based on user input, such as commands or questions, including verbal ones. Such technologies often incorporate chatbot capabilities to streamline task execution. The interaction may be via text, graphical interface, or voice, as some virtual assistants are able to interpret human speech and respond via synthesized voices. In many cases, users can ask their virtual assistants questions, control home automation devices and media playback, and manage other basic tasks such as email, to-do lists, and calendars – all with verbal commands. In recent years, prominent virtual assistants for direct consumer use have included Apple Siri, Amazon Alexa, Google Assistant (Gemini), Microsoft Copilot and Samsung Bixby. Also, companies in various industries often incorporate some kind of virtual assistant technology into their customer service or support. Into the 2020s, the emergence of artificial intelligence based chatbots, such as ChatGPT, has brought increased capability and interest to the field of virtual assistant products and services. == History == === Experimental decades: 1910s–1980s === Radio Rex was the first voice-activated toy, patented in 1916 and released in 1922. It was a wooden toy in the shape of a dog that would come out of its house when its name is called. In 1952, Bell Labs presented "Audrey", the Automatic Digit Recognition machine. It occupied a six-foot-high relay rack, consumed substantial power, had streams of cables and exhibited the myriad maintenance problems associated with complex vacuum-tube circuitry. It could recognize the fundamental units of speech, phonemes. It was limited to the accurate recognition of digits spoken by designated talkers. It could therefore be used for voice dialing, but in most cases, push-button dialing was cheaper and faster, rather than speaking the consecutive digits. Another early tool which was enabled to perform digital speech recognition was the IBM Shoebox voice-activated calculator, presented to the general public during the 1962 Seattle World's Fair after its initial market launch in 1961. This early computer, developed almost 20 years before the introduction of the first IBM Personal Computer in 1981, was able to recognize 16 spoken words and the digits 0 to 9. The first natural language processing computer program or the chatbot ELIZA was developed by MIT professor Joseph Weizenbaum in the 1960s. It was created to "demonstrate that the communication between man and machine was superficial". ELIZA used pattern matching and substitution methodology into scripted responses to simulate conversation, which gave an illusion of understanding on the part of the program. Weizenbaum's own secretary reportedly asked Weizenbaum to leave the room so that she and ELIZA could have a real conversation. Weizenbaum was surprised by this, later writing: "I had not realized ... that extremely short exposures to a relatively simple computer program could induce powerful delusional thinking in quite normal people. This gave name to the ELIZA effect, the tendency to unconsciously assume computer behaviors are analogous to human behaviors; that is, anthropomorphisation, a phenomenon present in human interactions with virtual assistants. The next milestone in the development of voice recognition technology was achieved in the 1970s at the Carnegie Mellon University in Pittsburgh, Pennsylvania with substantial support of the United States Department of Defense and its DARPA agency, funded five years of a Speech Understanding Research program, aiming to reach a minimum vocabulary of 1,000 words. Companies and academia including IBM, Carnegie Mellon University (CMU) and Stanford Research Institute took part in the program. The result was "Harpy", it mastered about 1000 words, the vocabulary of a three-year-old and it could understand sentences. It could process speech that followed pre-programmed vocabulary, pronunciation, and grammar structures to determine which sequences of words made sense together, and thus reducing speech recognition errors. In 1986, Tangora was an upgrade of the Shoebox, it was a voice recognizing typewriter. Named after the world's fastest typist at the time, it had a vocabulary of 20,000 words and used prediction to decide the most likely result based on what was said in the past. IBM's approach was based on a hidden Markov model, which adds statistics to digital signal processing techniques. The method makes it possible to predict the most likely phonemes to follow a given phoneme. Still each speaker had to individually train the typewriter to recognize their voice, and pause between each word. In 1983, Gus Searcy invented the "Butler in a Box", an electronic voice home controller system. === Birth of smart virtual assistants: 1990s–2010s === In the 1990s, digital speech recognition technology became a feature of the personal computer with IBM, Philips and Lernout & Hauspie fighting for customers. Much later the market launch of the first smartphone IBM Simon in 1994 laid the foundation for smart virtual assistants as we know them today. In 1997, Dragon's NaturallySpeaking software could recognize and transcribe natural human speech without pauses between each word into a document at a rate of 100 words per minute. A version of Naturally Speaking is still available for download and it is still used today, for instance, by many doctors in the US and the UK to document their medical records. In 2001 Colloquis publicly launched SmarterChild, on platforms like AIM and MSN Messenger. While entirely text-based SmarterChild was able to play games, check the weather, look up facts, and converse with users to an extent. The first modern digital virtual assistant installed on a smartphone was Siri, which was introduced as a feature of the iPhone 4S on 4 October 2011. Apple Inc. developed Siri following the 2010 acquisition of Siri Inc., a spin-off of SRI International, which is a research institute financed by DARPA and the United States Department of Defense. Its aim was to aid in tasks such as sending a text message, making phone calls, checking the weather or setting up an alarm. Over time, it has developed to provide restaurant recommendations, search the internet, and provide driving directions. In November 2014, Amazon announced Alexa alongside the Echo. In 2016, Salesforce debuted Einstein, developed from a set of technologies underlying the Salesforce platform. Einstein was replaced by Agentforce, an agentic AI, in September 2024. In April 2017 Amazon released a service for building conversational interfaces for any type of virtual assistant or interface. === Large Language Models: 2020s-present === In the 2020s, artificial intelligence (AI) systems like ChatGPT have gained popularity for their ability to generate human-like responses to text-based conversations. In February 2020, Microsoft introduced its Turing Natural Language Generation (T-NLG), which was then the "largest language model ever published at 17 billion parameters." On November 30, 2022, ChatGPT was launched as a prototype and quickly garnered attention for its detailed responses and articulate answers across many domains of knowledge. The advent of ChatGPT and its introduction to the wider public increased interest and competition in the space. In February 2023, Google began introducing an experimental service called "Bard" which is based on its LaMDA program to generate text responses to questions asked based on information gathered from the web. While ChatGPT and other generalized chatbots based on the latest generative AI are capable of performing various tasks associated with virtual assistants, there are also more specialized forms of such technology that are designed to target more specific situations or needs. == Method of interaction == Virtual assistants work via: Text, including: online chat (especially in an instant messaging application or other application ), SMS text, e-mail or other text-based communication channel, for example Conversica's intelligent virtual assistants for business. Voice: for example with Amazon Alexa on Amazon Echo devices, Siri on an iPhone, Google Assistant on Google-enabled Android devices, or Bixby on Samsung devices. Images: some assistants, such as Google Assistant (which includes Google Lens) and Bixby on the Samsung Galaxy series, have the added capability of performing image processing to recognize objects in images. Many virtual assistants are accessible via multiple methods, offering versatility in how users can interact with them, whether through chat, voice commands, or other integrated technologies. Virtual assistants use natural language processing (NLP) to match user text or voice input to executable commands. Some continually learn using artificial intelligence techniques including machine learning and ambient intelligence. To activate a virtual assistant u