$15 billion of the insurance industry is at risk from AI, BofA says

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Why the FT?See why over a million readers pay to read the Financial Times.

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The Internet I grew up with was always pretty casual about authentication: as long as you were willing to take some basic steps to prevent abuse (make an account with a pseudonym, or just refrain from spamming), many sites seemed happy to allow somewhat-anonymous usage. Over the past couple of years this pattern has changed. In part this is because sites like to collect data, and knowing your identity makes you more lucrative as an advertising target. However a more recent driver of this change is the push for legal age verification. Newly minted laws in 25 U.S. states and at least a dozen countries demand that site operators verify the age of their users before displaying “inappropriate” content. While most of these laws were designed to tackle pornography, but (as many civil liberties folks warned) adult and adult-ajacent content is on almost any user-driven site. This means that age-verification checks are now popping up on social media websites, like Facebook, BlueSky, X and Discord and even encyclopedias aren’t safe: for example, Wikipedia is slowly losing its fight against the U.K.’s Online Safety Bill.