But something interesting is happening.

Across the world, educators are beginning to quietly ask a difficult question. What if the tech revolution in classrooms has gone too far?

From Scandinavia to Australia, schools are rebalancing their approach. Devices are being limited. Handwriting and printed books are making a comeback. Even some of the most enthusiastic technology advocates are beginning to argue that learning might require more analogue experiences than we assumed.

This shift is not about rejecting innovation. Rather, it reflects a deeper rethink driven by new research, rising concerns about child development and the rapid arrival of artificial intelligence in the classroom. The result is a growing movement toward what might be called “mindful technology” in education.

For leaders, parents and professionals watching these changes unfold, the implications are significant. The classroom is becoming a testing ground for a broader societal question. How do we harness powerful technology without allowing it to quietly reshape our brains, behaviour and expectations in ways we never intended?

Here are five emerging trends shaping the new balance between technology and analogue learning.

1. The analogue comeback

For years, many education systems raced to digitise classrooms. Tablets replaced textbooks and interactive screens replaced whiteboards. But a growing body of evidence suggests the learning benefits were far less impressive than promised.

In fact, large international studies from the OECD found that countries investing heavily in classroom technology often saw declines in literacy, numeracy and science outcomes rather than improvements.¹

These findings have prompted some governments to rethink their approach. Sweden, once one of the earliest adopters of digital learning tools, has begun reversing course by reinvesting in printed textbooks and traditional learning materials after concerns about declining academic performance.²

The shift is also happening at the classroom level. Teachers increasingly report that students concentrate better when reading physical books and writing by hand. Education researchers argue that digital devices, when overused, can fragment attention and reduce the sustained focus required for deep learning.³

The implication is not that digital tools are useless. Rather, they are simply not the silver bullet many once believed.

For schools and organisations, the lesson is broader than education. Technology should enhance human capability, not replace the cognitive processes that build it. Sometimes the smartest innovation is reintroducing what worked before.

Professionals working in education or learning design should ask a simple question when evaluating new tools. Does this technology deepen thinking, or merely make the process faster?

2. The screen-time generation arrives at school

Teachers are noticing something else that would have been almost unimaginable a decade ago. Many children arriving at school struggle with basic physical and cognitive skills.

A January 2026 survey of 1,000 primary school staff in England found that 28 per cent of five-year-olds could not use books correctly, with some even attempting to swipe pages like a phone screen. More than half of the teachers surveyed said excessive screen time played a significant role in declining school readiness.⁴

This observation aligns with a growing body of neuroscience research examining how early screen exposure shapes developing brains.

A 2025 longitudinal study in Singapore found that higher screen exposure before the age of two predicted accelerated but inefficient development in brain networks associated with visual processing and cognitive control. Children exposed to greater screen time showed slower decision making at age eight and higher anxiety by adolescence.⁵

Even three to four hours of daily screen exposure was enough to produce measurable effects.

A broader meta analysis of 34 studies also found links between excessive screen use and reduced attention span, impaired executive function and observable changes in brain regions associated with learning and memory.⁶

None of this means screens are inherently harmful. But it does suggest that developing brains need a diverse range of experiences including reading, movement, play and face-to-face interaction.

The practical takeaway for educators and parents is surprisingly simple. Old-fashioned habits still matter. Frequent parent child reading has been shown to counter some of the negative cognitive effects linked to early screen exposure.⁵

In other words, sometimes the most advanced strategy for cognitive development looks suspiciously like what grandparents used to recommend.

3. The AI homework dilemma

If screens created one challenge for schools, artificial intelligence has introduced a far bigger one.

AI chatbots have quickly become a standard part of student life. A Pew Research study released in February 2026 found that 54 per cent of American teenagers now use AI chatbots for schoolwork, with one in ten saying they rely on them for most or all of their assignments.⁷

Perhaps more concerning, 59 per cent of teens believe AI cheating is a regular occurrence at their school, rising to 76 per cent among students who already use chatbots for homework.

The impact on learning itself may be even more significant.

Research highlighted in recent reporting on AI and education suggests that heavy reliance on AI writing tools can significantly reduce cognitive engagement during learning tasks.⁸ Students who outsource thinking to algorithms may complete assignments faster but retain far less understanding.

Yet despite these concerns, AI tools are rapidly being integrated into education systems. Technology companies are introducing AI assistants into classroom platforms, while governments are beginning to include AI literacy as part of standard curricula.⁸

The challenge is not access to AI. It is ensuring that AI assists learning rather than replacing it.

One education commentator captured the dilemma with a striking analogy. Asking students to self regulate AI use during homework may be a little like asking a gambling addict to make wise choices inside a casino.

The solution likely lies in redesigning assessments and classroom practices so that AI becomes a thinking partner rather than a shortcut.

For educators and professionals designing learning experiences, the key question becomes this. How do we use AI to expand curiosity rather than outsource cognition?

4. The rise of “mindful tech” classrooms

Faced with these challenges, many schools are not abandoning technology. Instead they are adopting a more deliberate and balanced approach sometimes described as “mindful tech”.

This philosophy recognises that digital tools can be valuable when used intentionally but harmful when used automatically.

Some schools are introducing device-free periods during the day to encourage deep reading, conversation and collaborative problem solving. Others are using digital tools selectively for tasks such as simulations or research rather than continuous screen exposure.⁹

At the same time, educators and parents are becoming more cautious about the influence of large technology companies within education systems. Critics argue that classrooms have become a testing ground for digital platforms whose long-term impact on learning remains uncertain.¹⁰

This caution is also emerging in policies around student safety. For example, St Hilda’s Anglican School in Western Australia recently removed identifiable student images from public social media due to growing concerns about AI generated deepfakes and image manipulation.

The broader implication is that digital literacy increasingly includes understanding when not to use technology.

For organisations outside education, this trend mirrors a wider cultural shift. As technology becomes more powerful, intentional use becomes more important.

The real competitive advantage may lie in knowing when to unplug.

5. The rediscovery of focus

Perhaps the most important trend emerging from this classroom reset is the rediscovery of something modern life has quietly eroded: Focus.

Many educators believe that the rapid stimulus switching common in digital content may be conditioning young brains to expect constant novelty. Fast cuts, notifications and algorithmic feeds reward brief attention rather than sustained concentration.

But deep learning requires exactly the opposite. Reading complex material, solving difficult problems and writing thoughtful arguments all depend on the ability to maintain focus for extended periods. It is a skill that must be practised and strengthened.

This is one reason printed books, handwriting and extended discussion are returning to classrooms.

The concern among some researchers is that the next generation could become the first in modern history to display lower cognitive capability than their parents. Some analysts argue that cognitive performance has stagnated or declined in parts of the developed world since around 2010, coinciding with the rise of smartphones and always-on digital environments.³

The good news is that attention is trainable. Activities such as reading, discussion, outdoor play and time in nature help rebuild cognitive endurance and restore the mental stamina required for learning.

For professionals across industries, the lesson extends far beyond classrooms. In a world of constant distraction, the ability to focus deeply may become one of the most valuable skills of all.

Conclusion: Finding balance in the digital classroom

Technology is not disappearing from classrooms. If anything, it will continue to expand.

Artificial intelligence, immersive simulations and adaptive learning platforms will all play an increasing role in education over the coming decades. But the enthusiasm that once surrounded classroom technology is now being tempered by experience and evidence.

The emerging lesson is not that technology is harmful, but that learning is deeply human.

Children need conversation, movement, reading, play, curiosity and sustained attention. Digital tools can support these experiences, but they cannot replace them.

The schools now leading the way are not the ones with the most screens. They are the ones asking smarter questions about when technology helps and when it quietly gets in the way.

For parents, educators and leaders watching this shift unfold, the message is clear. The future of education will not be fully digital or fully analogue.

It will be deliberately balanced.

And in an age obsessed with innovation, that might turn out to be the most innovative idea of all.

Michael McQueen is a trends forecaster, change strategist and award-winning conference speaker.

He features regularly as a commentator on TV and radio and is a bestselling author of 10 books. His most recent book Mindstuck explores the psychology of stubbornness and how to change minds – including your own. Find out more here.

To see Michael speaking live, click here.

For more information on Michael’s keynote speaking topics, click here.

References

• OECD. Students, Computers and Learning: Making the Connection.
• Spartan Shield. “Sweden scales back on the use of digital tools in schools.”
• Nicholas Carr. “Screens in schools have been a catastrophic failure.” The Spectator.
• The Guardian. “Children starting school without basic skills, teachers warn.”
• Frontiers in Psychology. (2025). Longitudinal research on early screen exposure and brain development.
• ABC News. “Research finds screen time and video games linked to social problems.”
• Pew Research Center. (2026). How teens use and view AI.
• TIME Magazine. “How AI tools like ChatGPT are changing how students learn.”
• The Guardian. “Schools are using screens in a mindful way.”
• The Guardian. “Big Tech and the classroom: are parents right to worry?”

That separation is disappearing fast.

AI shopping assistants are moving from the sidelines into the centre of the buying journey. Tools like ChatGPT, Gemini, Perplexity and Microsoft Copilot are no longer just helping people research purchases. They are recommending products, surfacing prices, inserting “Buy” buttons and, in some cases, letting users complete a purchase without ever leaving the conversation.

This shift is happening faster than most people realise. Advances in generative AI, changing consumer expectations and growing frustration with traditional online shopping are converging. Add in a generation comfortable outsourcing decisions to algorithms, and the result is a retail landscape that looks fundamentally different to the one we grew up with.

For professionals, retailers and leaders, the urgency is real. This is not just a new marketing channel. It’s a rewiring of how trust, influence and decision-making work in commerce.

Trend 1: Advice and Advertising Are Merging

The first shift is subtle, and that’s what makes it powerful. The line between genuine advice and paid promotion is becoming increasingly blurred.

Modern AI assistants don’t just answer questions. They suggest products, rank options and increasingly prompt users to buy. Microsoft Copilot now embeds shopping recommendations directly into conversational responses. Other platforms have experimented with sponsored answers that sit alongside organic suggestions, often without clear visual distinction.

Unlike traditional advertising, these prompts don’t feel like ads. They feel like guidance. When a recommendation arrives in a conversational tone, supported by what looks like reasoning, people lower their scepticism. The persuasive power comes not from interruption, but from integration.

For consumers, this creates a new challenge. How do you tell the difference between impartial advice and a commercial nudge? One practical habit is emerging: ask the AI why it recommended something. Does it explain trade-offs? Does it offer alternatives? Or does it funnel you toward a single “best” option? Real advice explains choice. Advertising pushes outcomes.

For businesses, this trend rewrites influence. Visibility alone is no longer enough. Products must be defensible, explainable and competitive when placed side by side in an AI-generated comparison. If your offering can’t survive transparent scrutiny, AI will expose that quickly.

Trend 2: Transparency Will Be Forced, Not Volunteered

At the moment, regulation in this space is lagging behind reality. There are few clear rules forcing AI shopping tools to disclose what is paid, what is sponsored and what is genuinely impartial.

That lack of clarity matters for two reasons. First, consumers deserve to know when bias or commercial influence is present. Second, accountability becomes murky when AI systems get things wrong.

A recent example highlighted this risk when an AI travel assistant confidently advised tourists to visit a hot spring in Tasmania that simply does not exist. The issue wasn’t just the hallucination. It was the absence of clear responsibility. Who is accountable when an AI invents reality with confidence?

As AI increasingly shapes purchasing decisions, transparency will become unavoidable. Disclosure around sponsorship, data sources and limitations will be demanded by regulators, journalists and consumers alike.

For leaders and organisations, this is an opportunity to move early. Systems that explain recommendations, acknowledge uncertainty and clearly separate advice from advertising will earn trust long before regulation forces compliance.

Trend 3: AI Is Compressing Hours of Shopping Into Minutes

Despite the risks, the consumer upside of AI-powered shopping is undeniable. These tools are dramatically reducing friction.

Tasks that once took hours now take minutes. Comparing prices across retailers. Summarising thousands of reviews. Tracking historical discounts. Monitoring price changes. In some cases, completing a purchase without opening a single browser tab.

Australian consumers are leading this shift. Research shows a significant majority of Australians have interacted with AI while shopping in recent months, well above the global average. More tellingly, more than half of those users have made purchases based on generative AI recommendations.

This is no longer experimental behaviour. It’s habitual. Many households are already using AI to stretch budgets, find better deals and automate parts of the shopping process.

For businesses, this fundamentally changes discovery. Where search engine optimisation once dominated, answer engine optimisation now matters just as much. If an AI model cannot easily surface, explain and justify your product, it effectively disappears from consideration.

Trend 4: The Weekly Grocery Shop Is Being Rewritten

AI-driven shopping is not confined to screens. It is reshaping physical retail too.

Smart carts and supermarket apps already allow shoppers to scan items as they go, track their total in real time, receive personalised discounts and pay without lining up. But the bigger transformation is happening quietly in the background.

Experts predict supermarkets will become smaller and more focused on fresh food. Pantry staples like toilet paper, nappies and cleaning products will increasingly be reordered automatically and delivered to homes without conscious effort.

In practice, in-store shopping becomes about choice, quality and freshness, while AI handles repetition behind the scenes. Two shoppers standing in the same aisle may see different specials because the system understands their habits, preferences and household needs.

AI is also changing how decisions are made in the moment. A shopper considering a new pair of headphones can take a photo, upload it to an AI assistant and instantly receive a comparison across models, prices and stores, including historical data showing whether a discount is likely soon.

For retailers, loyalty will be driven less by location and more by usefulness. The brands that win will be the ones that integrate seamlessly into consumers’ decision-making systems.

Trend 5: Trust Becomes the Ultimate Competitive Advantage

As AI takes on more of the buying journey, trust becomes the scarce resource.

These systems are persuasive by design. They speak with confidence. They explain reasoning. They feel personal. That makes over-reliance a real risk.

Consumers will increasingly judge platforms not by how clever they are, but by how transparent and controllable they feel. Can users understand why something is being recommended? Can they override it? Can they see alternatives?

For professionals building or deploying these tools, the goal should not be to remove humans from the loop, but to keep them meaningfully informed. Trust grows when people feel empowered, not nudged.

Brands that over-optimise for persuasion may win short-term sales, but they risk long-term credibility. Restraint, clarity and honesty will prove more valuable than cleverness.

What This All Means

AI-powered shopping is not a future scenario. It is already reshaping how people research, decide and buy. The five trends are clear. Advice and advertising are merging. Transparency will be demanded. Shopping is becoming faster and more automated. Physical retail is being re-engineered. And trust is becoming the defining differentiator.

The challenge for leaders and professionals is not technical. It is behavioural. Understanding how people make decisions when AI is in the room, and designing systems that support rather than exploit that reality.

The question is no longer whether AI will influence what we buy. It already does. The real question is whether we build a shopping ecosystem that is helpful, honest and human, or one that quietly nudges us while pretending not to.

The difference will come down to the choices being made now, while the rules are still being written.

___________________________________________________

Michael McQueen is a trends forecaster, change strategist and award-winning conference speaker.

He features regularly as a commentator on TV and radio and is a bestselling author of 10 books. His most recent book Mindstuck explores the psychology of stubbornness and how to change minds – including your own. Find out more here.

To see Michael speaking live, click here.

For more information on Michael’s keynote speaking topics, click here.

Humanoid robots are moving from spectacle to systems. From factories and hospitals to aged care facilities and, eventually, our homes, they are inching closer to everyday life. Goldman Sachs estimates there could be more than 13 million humanoid robots in use globally by 2035. That’s less than a decade away. While most of these robots will appear in workplaces first, the ripple effects will be felt across households, cities and entire industries.

The drivers are converging rapidly. Advances in AI vision, balance and hand dexterity are accelerating. Labour shortages are intensifying as populations age and fewer people enter physically demanding roles. Cultural expectations are shifting around convenience, care and the value of time. And younger generations are far more comfortable sharing space with machines than any before them.

For leaders and professionals, the question is no longer whether humanoid robots will matter, but how quietly and quickly they will reshape expectations. 

1. From Sci‑Fi Spectacle to Quiet Utility 

The first major shift is psychological. Humanoid robots are not arriving with dramatic flair or cinematic ambition. They’re slipping in through side doors, doing the dull jobs no one wants to talk about at dinner parties.

We already live with robots, even if we don’t think of them that way. They vacuum our floors, mow our lawns and assist surgeons. In fact, more than 80 percent of prostate surgeries are now performed using robotic systems. COVID accelerated this trend, particularly in agriculture and logistics, where closed borders and labour shortages forced rapid adoption.

Humanoid robots represent the next logical step because they fit into environments built for humans. Factories, warehouses and hospitals don’t need to be redesigned when the robot has two legs, two arms and can use existing tools. That’s why companies like BMW, Hyundai and Tesla are already trialling humanoid robots on factory floors for repetitive and physically demanding tasks. Hyundai has publicly stated it plans to deploy humanoid robots in US factories from 2028.

China offers a glimpse of what early adoption looks like at scale. Humanoid robots are already working as tour guides, retail assistants, warehouse staff and service workers, with some even assisting in policing and security roles. Dedicated robot training centres allow machines to learn by observing humans rather than being painstakingly programmed line by line. 

The implication is clear. Early adoption will be quiet and practical rather than flashy. Organisations that treat humanoid robots as boring infrastructure rather than futuristic mascots will extract far more value from them. 

2. Cobots, Not Job Stealers 

It’s impossible to discuss humanoid robots without confronting workforce anxiety. Elon Musk has said Tesla aims to build up to 100,000 humanoid robots per month within five years. Numbers like that naturally raise concerns about job losses.

But the reality is more nuanced. Humanoid robots are particularly good at jobs humans increasingly struggle to fill. Dirty, dangerous and repetitive work. Heavy lifting. Night shifts. Tasks that lead to injury, burnout or high turnover.

Robots are already being used for warehouse picking, post‑surgery rehabilitation support and repetitive assembly. Deloitte predicts physical AI and humanoid robots will play a major role in addressing labour shortages, especially as populations age and healthcare demand grows. 

Rather than replacing humans, most experts expect robots to change the nature of work. This is where the idea of “cobots” becomes critical. Collaborative robots that work alongside humans, taking on physical or repetitive tasks while people move into supervision, creativity, problem‑solving and decision‑making roles.

For organisations, the real opportunity lies in redesigning jobs, not eliminating them. Professionals who focus on skills like judgement, empathy, oversight and systems thinking will become more valuable, not less.

3. Impressive, Fallible and Still Learning

The technology behind humanoid robots has advanced rapidly, particularly in vision systems, balance and hand dexterity. Some recent demonstrations have been so realistic that audiences questioned whether they were watching a robot or a human in disguise.

At the same time, viral clips of robots face‑planting, freezing mid‑task or dropping objects are not anomalies. They are part of the learning curve. This is what early‑stage intelligence looks like in physical form.

Robots perform best in controlled environments like factories and warehouses. Homes are far more challenging. Pets move unpredictably. Children run. Objects shift. Lighting changes. Most humanoid robots today still rely on some level of human supervision or remote assistance for complex tasks.

This phase closely mirrors the early days of self‑driving cars. Highly impressive in certain contexts, unreliable in others. The risk is not that robots will fail, but that humans will assume they won’t.

Organisations that succeed will design systems that assume occasional failure and build safeguards accordingly. 

4. The Home Robot Will Sell Time, Not Wow 

When humanoid robots enter homes, affordability and accessibility will dominate the conversation. Today, a humanoid robot like Neo costs around $20,000. By 2035, that figure is expected to fall closer to $10,000 as manufacturing scales and components become cheaper. 

But ownership won’t be the starting point for most people. Early home robots will be aimed at wealthy households, aged care facilities and people with mobility needs. LG has already demonstrated prototype home robots capable of folding laundry and preparing simple meals, while projects like Tombot, a robotic puppy designed to support people with dementia, show how emotionally intelligent design can support care settings. 

For most households, the first exposure will likely be shared robots in apartment buildings, hotels or assisted living environments rather than owning one outright. Leasing models and robot‑as‑a‑service offerings will play a significant role in improving accessibility.

The real appeal is not novelty. It’s time. Even saving 30 to 60 minutes a day by offloading repetitive tasks changes how people live, work and rest.

5. Trust Will Matter More Than Lifelike Design

Safety, privacy and psychological trust will ultimately determine whether humanoid robots are accepted into daily life. Most are designed to be lightweight, slow and compliant, stopping when they encounter resistance.

Privacy is a genuine concern. Robots rely on cameras and sensors to navigate spaces, raising questions about data storage, access and ownership. There is also the risk of over‑trust. Robots that look human can trigger emotional responses even when people know they are machines.

Experts agree humans will remain in the loop for a long time, particularly in homes and healthcare settings. Acceptance will depend less on realism and more on whether people feel in control of the technology.

There is also a genuine fear response to consider. An estimated 20 percent of the population experiences some degree of robophobia. Ignoring that reality would be a mistake. 

What This All Adds Up To

Humanoid robots are not coming to replace us, impress us or entertain us. They’re coming to quietly reshape how work gets done, how care is delivered and how time is reclaimed.

The trends are clear. Practical utility over spectacle. Collaboration over replacement. Rapid progress with real limitations. Time as the killer feature at home. Trust as the deciding factor everywhere. 

The future won’t arrive with a dramatic unveiling. It will arrive task by task, shift by shift, home by home. The robots are learning fast. We should too.

Michael McQueen is a trends forecaster, change strategist and award-winning conference speaker.

He features regularly as a commentator on TV and radio and is a bestselling author of 10 books. His most recent book Mindstuck explores the psychology of stubbornness and how to change minds – including your own. Find out more here.

To see Michael speaking live, click here.

For more information on Michael’s keynote speaking topics, click here.

Rather than treating AI as an existential threat, Disney treated it as a question.

How could this technology help us tell better stories? How might it expand creativity rather than diminish it? And how do we engage with it early, thoughtfully, and on our own terms?

The agreement allows OpenAI to work with Disney’s vast library of characters and storytelling assets across emerging AI animation and generative video tools. It is an extraordinary move, not just because of the scale of the deal, but because of what it signals.

Disney is once again choosing partnership over protectionism. Exploration over resistance. Curiosity over certainty.

To understand why this decision matters so much, you need to see it not as a one off, but as the latest chapter in a pattern that stretches back more than a century.

This is not a company dabbling in disruption. Disney is a company that has always believed the future belongs to those willing to rethink first.

Walt Disney built an empire not by predicting the future, but by being relentlessly curious about what might be possible.

Long before Disney became synonymous with global entertainment, Walt Disney was an outsider. He was not backed by powerful studios, nor was he working within accepted industry rules. His success came from repeatedly asking questions others dismissed as impractical or reckless.

What if animation could carry emotional weight? What if stories could live across multiple platforms? What if entertainment could be experienced as a place, not just a performance?

These were not safe questions.

In the 1930s, when Disney decided to create Snow White and the Seven Dwarfs, industry insiders openly mocked the idea. Feature length animation was considered commercial suicide. Cartoons were short, disposable novelties. No one believed audiences would sit through ninety minutes of illustrated storytelling.

Disney nearly bankrupted his company bringing Snow White to life. He invested in new animation techniques, new camera technology, and unprecedented levels of artistic detail. What he was really investing in, however, was a belief that curiosity about emotional realism would be rewarded.

It was. Snow White did not just succeed. It created an entirely new category of cinema.

That same pattern repeated in the 1950s, when television emerged as a disruptive force. Hollywood studios panicked. Cinema attendance declined. Executives treated television as a threat to be resisted.

Disney again went the other way.

Rather than rejecting television, he partnered with ABC to create a weekly television series. On the surface, it was entertainment. In reality, it was something far more strategic. The show helped finance, promote, and emotionally prepare audiences for Disneyland, a physical place that did not yet exist.

Television was not competition. It was infrastructure.

That deal helped fund Disneyland’s construction and made Walt Disney himself a household name. At a time when business leaders remained largely invisible, Disney became the face of his vision. Not as a corporate executive, but as a guide, a storyteller, and a trusted presence in people’s homes.

Again, curiosity reshaped the rules.

Disneyland itself was another audacious experiment. Walt Disney rejected the idea of building an amusement park. He disliked the chaos, the noise, and the transactional nature of existing parks. Instead, he imagined something different.

A theme park. A place where architecture, psychology, storytelling, and movement worked together to create a coherent emotional experience.

Buildings were deliberately designed to feel welcoming rather than overwhelming. Pathways controlled anticipation and discovery. Attractions were not rides, but experiences. Guests could spend an entire day immersed in story without stepping onto a single attraction.

It was entertainment designed around humans, not hardware.

Since opening in 1955, more than one billion people have visited Disneyland. That number alone tells a powerful story about the enduring appeal of human centred design driven by curiosity.

Crucially, Disney’s culture did not fossilise after Walt’s death.

When the company acquired Pixar in 2006, it faced a choice. Absorb Pixar and impose corporate discipline, or protect the very culture that made Pixar special.

Disney chose protection.

Pixar’s creative model rewarded questioning, dissent, and rethinking. Hierarchy mattered less than ideas. Disagreement was not seen as disloyalty, but as a necessary ingredient for excellence. Some of Pixar’s most successful films emerged precisely because creators were encouraged to challenge assumptions rather than conform to them.

This was curiosity embedded at scale.

Under Bob Iger’s leadership, that philosophy continues. Listening to an interview with Iger recently, I was struck by his admission about how Disney evaluates new ideas. The first question is not about cost. It is not about risk mitigation.

The first question is simple: Can we make this great?

That mindset explains why Disney’s response to artificial intelligence looks so different to many of its peers.

Where others see loss of control, Disney sees creative leverage. Where others fear displacement, Disney sees expansion. Where others hesitate, Disney experiments.

The OpenAI partnership echoes the ABC television deal of the 1950s. In both cases, Disney encountered a new technology that unsettled an industry. In both cases, it chose engagement over retreat.

This does not mean blind optimism. Disney has learned from missteps, including the difficult early years of Disneyland Paris. But even those moments reinforced a deeper truth. Curiosity must be paired with accountability. Experimentation must be paired with learning.

That balance is what allows curiosity to endure.

Walt Disney once said that Disneyland would never be finished, as long as there was creativity left in the world. He was not talking about a park. He was talking about a posture.

A refusal to believe the story is ever complete. A willingness to revisit assumptions. An understanding that relevance is not preserved through protection, but through exploration.

The OpenAI partnership is not a departure from Disney’s identity. It is proof that the identity still holds.

In a world obsessed with prediction, Disney continues to bet on curiosity. And history suggests that is a very good bet indeed.

___________________________________________________

Michael McQueen is a trends forecaster, change strategist and award-winning conference speaker.

He features regularly as a commentator on TV and radio and is a bestselling author of 10 books. His most recent book Mindstuck explores the psychology of stubbornness and how to change minds – including your own. Find out more here.

To see Michael speaking live, click here.

For more information on Michael’s keynote speaking topics, click here.

1. Worker Monitoring Is Becoming Everyday

Digital oversight has become surprisingly normal. Employers are now using everything from Microsoft Teams’ new location tracking to keystroke loggers, webcams and GPS tools. Around two-thirds of companies use at least one form of monitoring. What started as a temporary pandemic solution has evolved into an everyday feature of remote and hybrid work.

The issue is not legality. Most of this is legal because Australia’s workplace privacy laws are years behind the technology. The issue is trust. When people feel watched, the home office can start feeling like an open-plan cubicle with better lighting. Some states are finally starting to consider tighter rules around what employers can reasonably track, but the cultural impact is already here. Teams perform better when trust is high and surveillance rarely builds trust.

2. Cars Are Becoming Data Factories

Modern vehicles are now data-hungry machines. A typical car produces about 200GB of data per hour and vehicles with advanced driver-assist or autonomous capabilities can generate up to 1.4TB in the same timeframe. They record where you drive, how you brake, how fast you take corners, the tone of your voice commands and even how you interact with the entertainment system.

Employers are increasingly tracking staff in work vehicles and sometimes after hours. Manufacturers are collecting even more. One major carmaker was caught storing and sharing photos and videos recorded inside customer vehicles. This wasn’t a technical glitch. It was a glimpse into just how much visibility companies now have into our personal lives. Cars used to be private spaces. Now they are mobile data centres and most drivers have little idea what is being captured, where it goes or who can access it.

3. Facial Recognition Is Moving Into Everyday Life

Once a futuristic idea, facial recognition has slipped quietly into daily routines. Several major Australian retailers were found to be scanning customer faces in-store without proper consent. The Privacy Commissioner ruled it illegal, setting a major precedent.

Yet the technology continues to spread. In parts of the United States, you can already board a plane with a face scan instead of a boarding pass. Many stadiums use it to manage crowds and security. One fast-food chain even used facial recognition to identify hungover customers and offer them discounts, which is either clever marketing or a sign we have overcorrected on personalisation.

Public sentiment is shifting fast. More than half of Australians say facial recognition in retail feels like an invasion of privacy. The technology is moving faster than public comfort and far faster than updated regulations.

4. Cameras Are Everywhere and the Idea of Public Space Is Changing

CCTV used to belong to governments and shopping centres. Today, anyone with a doorbell camera or home security system is contributing to a rapidly expanding layer of community surveillance. We are filmed dozens of times a day. Sydney has roughly one camera for every 80 residents. London has one for every 13. In Shanghai and Beijing, it is one for every two people.

Doorbell footage that once lived on a small local device now sits in cloud databases managed by large tech companies. Overseas, police have increasingly requested access to this footage, raising complicated questions about consent, ownership and the rights of people captured incidentally while simply walking past.

The line between safety and surveillance is getting thinner and many people do not realise how visible their everyday movements have become.

5. The Debate Over Whether Our Devices Are Listening

Ask almost anyone whether their phone is listening to them and you will hear the same story. They mention a product once and find it following them around the internet shortly after. Tech companies insist they are not using phone microphones to target ads. Yet public suspicion is growing and the stories keep multiplying.

Whether microphones are involved or not, voice is becoming the next frontier of data capture. Smart speakers, phones, watches, TVs and cars are equipped with microphones that are always partially awake, listening for wake words. Every new layer of surveillance, from face to movement to voice, generates highly sensitive personal data and individuals have very little control over how long it is kept or who it is shared with.

Hyper-personalisation may be convenient, but many are beginning to question the cost.

Conclusion: The Choices We Make Now Matter Most

Taken together, these five trends show a world moving rapidly toward deeper monitoring and a growing tension between convenience and control. The benefits are real. Better safety, smoother travel, more personalised services and more efficient workplaces. The challenge is finding balance.

Surveillance becomes harmful when it is invisible, unregulated or unchecked. The real issue is consent. Not the tick-a-box kind but genuine, informed consent where people understand what is being collected and why.

This moment calls for curiosity rather than complacency. For leaders, it means being transparent and thoughtful about how monitoring technologies are used. For governments, it means updating laws at the speed of technology rather than the speed of bureaucracy. For individuals, it means paying attention.

The future of privacy will not be defined by the technology itself but by the choices we make about it. We can embrace innovation without surrendering autonomy. We can enjoy convenience without forfeiting trust. The question is not whether surveillance will grow. It is how intentionally we manage it so the future we build still feels like our own.

___________________________________________________

Michael McQueen is a trends forecaster, change strategist and award-winning conference speaker.

He features regularly as a commentator on TV and radio and is a bestselling author of 10 books. His most recent book Mindstuck explores the psychology of stubbornness and how to change minds – including your own. Find out more here.

To see Michael speaking live, click here.

For more information on Michael’s keynote speaking topics, click here.

The drivers are clear: advances in large language models, the integration of payment systems like PayPal and Venmo within ChatGPT, and growing consumer comfort with automation. Retailers, meanwhile, face both opportunity and existential threat as control over the customer journey begins to shift.

To understand what’s next, let’s explore five key trends reshaping the future of retail and commerce in the age of AI agents.

1. From Search to Conversation: Shopping Becomes Dialogic

Consumers are moving from search bars to conversations. Walmart’s recent partnership with OpenAI epitomises this shift: shoppers can now ask ChatGPT to “plan a taco dinner” or “restock pantry essentials,” receive curated suggestions, and check out – all within the chat.

Why it matters: Search-based discovery is giving way to contextual dialogue, making shopping more intuitive and personalised. Instead of typing keywords, consumers describe goals or moods and AI agents translate that into purchases.

Implications: Retailers must now optimise for AEO (Answer Engine Optimization) visibility rather than SEO. The “storefront” of the future may not be a website at all, but a conversation inside an AI ecosystem.

What to do: Brands should develop “agent-friendly” data schemas and product metadata so their items can be discovered, compared, and purchased via conversational agents.

2. The New Buyer Is a Bot: Agentic Commerce Arrives

Agentic commerce describes a world where AI agents act as autonomous shoppers – buying groceries, managing loyalty points, and even negotiating prices.

Why it matters: Instead of manually browsing and comparing, users will set rules (“buy detergent when it’s 20% off” or “reorder coffee every three weeks”), and agents will execute these automatically. Research shows that most consumers are interested in AI tools that can make purchases when prices drop.

Implications: Shopping becomes anticipatory rather than reactive. But as agents gain autonomy, questions of liability, consent, and trust loom large. For instance, who’s responsible if your AI buys something you didn’t intend to or don’t want?

What to do: Retailers should pilot transparent AI-agent interfaces that let customers review, approve, or override agent decisions to maintain confidence and control.

3. The Frictionless Checkout: Payments Go Invisible

PayPal’s integration with ChatGPT represents a crucial step toward invisible commerce – a world where transactions happen without leaving the conversation. Using OpenAI’s Agentic Commerce Protocol, PayPal now allows direct in-chat payments and merchant listings without extra integration work.

Why it matters: Payments are no longer the end of the funnel – they’re built into the interaction. This eliminates friction and allows “chat-to-checkout” in seconds.

Implications: Traditional payment gateways and checkout pages may fade. Trust, fraud prevention, and dispute resolution will instead be embedded directly in conversational layers.

What to do: Businesses should align with emerging open protocols to make their products agent-accessible and compatible with cross-platform AI ecosystems.

4. AI-Powered Customer Experience: The Age of Anticipation

The customer experience is evolving from reactive to predictive and proactive. McKinsey’s “Next Best Experience” model shows that AI-powered personalisation can boost satisfaction by up to 20% and reduce service costs by 30%. These systems detect when a customer needs help before they even ask.

Why it matters: The next frontier isn’t personalisation at scale; it’s personalisation in real time, driven by data and generative content. Agentic AI goes further by testing and refining communications autonomously, learning with every interaction. Consider how Yelp’s new AI receptionist and host bots can answer calls, take bookings, and even chat with other bots to coordinate reservations.

Implications: Companies should integrate predictive and conversational AI tools into their customer service stack—not just to improve efficiency, but to build anticipatory trust.

5. Retail’s Identity Crisis: Losing the Interface

While AI agents simplify the shopper’s life, they threaten to disintermediate retailers. As the Wall Street Journal notes, brands like Walmart and Etsy have jumped onto ChatGPT integration for exposure, but they risk ceding control over customer experience, data, and loyalty.

Why it matters: When AI assistants become the primary point of discovery, brand identity competes with algorithmic preference. Retailers’ lucrative ad and search ecosystems (which are worth billions annually) could erode as discovery shifts “upstream” into AI chats.

What to do: The winners will be those who co-create with AI platforms, ensuring their products and brand values are reflected accurately in conversational interfaces. Think API partnerships, branded agent personalities, and data-sharing agreements rather than banner ads.

Some concluding thoughts

The rise of agentic commerce marks a profound shift – from browsing to briefing, from searching to conversing, and from paying to being paid for by your AI.

As consumers hand over more decisions to digital intermediaries, trust, transparency, and control will define the next decade of retail. The question for brands is no longer whether AI will reshape shopping but who will own the relationship when it does.

To stay relevant, leaders must design for an audience of two: the human and the algorithm.

__________________________________________________

Michael McQueen is a trends forecaster, change strategist and award-winning conference speaker.

He features regularly as a commentator on TV and radio and is a bestselling author of 10 books. His most recent book Mindstuck explores the psychology of stubbornness and how to change minds – including your own. Find out more here.

To see Michael speaking live, click here.

For more information on Michael’s keynote speaking topics, click here.

The drivers of this shift are clear: rapid tech innovation, a generation raised on digital tools, and social norms bending around new possibilities. But there is an urgency here. As AI moves from helping us to think to doing the thinking for us, leaders and professionals need to ask a confronting question: what happens to our own cognitive muscles if we stop using them?

Here are 5 trends or implications to consider:

1. Outsourcing Thought: The Rise of ‘Digital Amnesia’

One of the most striking findings comes from a recent MIT study. Students using AI tools to draft essays showed a 47 per cent drop in active brain engagement compared to those writing unaided. Even more concerning, 83 per cent of AI users couldn’t remember what they had written just days later, versus only 10 per cent of students who had done the work themselves. Teachers are noticing it too. A Grade 10 English teacher in Australia observed that students relying on AI for drafts struggled to explain their arguments in class – they had outsourced the thinking, and it showed.

This isn’t limited to schools. Many professionals are letting AI write their emails, summarise meetings and even make decisions. The danger isn’t just the quality of the output, but what is happening in our heads. When we hand over the hard work of thinking, memory and reasoning to a machine, we become passive passengers in our own thought process. Like any skill, cognition is use it or lose it.

2. Homogenised Voices: When Everything Starts to Sound the Same

If you have noticed that social posts, emails and even dating profiles are starting to sound eerily similar, you are not imagining things. When millions of people use the same tools trained on the same datasets, originality gets sanded down.

AI-generated text is often competent, even elegant, but it lacks the quirks and rough edges that make human communication feel real. A University of Arizona study found that when people were told a “thoughtful” message from a friend was AI-written, they felt less connected to the sender even if the words were perfect. In an age where connection is currency, this matters.

The same risk exists in workplaces. If every presentation, report and client email starts to carry the same AI polish, it becomes harder to stand out or build trust. Ironically, in a world filled with machine-generated content, the messy fingerprints of a real human voice become a competitive advantage.

3. The Loneliness Loop: AI Companions and Emotional Skills

Seventy-two per cent of teens now use AI for companionship. Apps like Replika, with over 30 million users, offer AI “friends” and even romantic partners. On the surface, it seems harmless – a way to fill the loneliness gap so many young people report. But there is a hidden cost.

Real relationships are hard. They involve compromise, patience, missteps and making up. They require us to grow empathy, negotiation skills and emotional resilience. AI companions offer connection without any of that effort. They never argue, never need forgiveness, never ask for anything in return. They are there to serve you and you alone.

If human relationships are the training ground for emotional intelligence, what happens when a generation learns connection through algorithms that demand nothing of them? For workplaces, this could mean employees entering the workforce with technical brilliance but underdeveloped interpersonal muscles. The skills leaders prize (collaboration, empathy, conflict resolution etc) are forged in the friction of real human interaction.

4. The Education Gap: AI Literacy as a New Divide

Schools are in the middle of a live experiment. Some are embracing AI as a learning tool. Others are banning it entirely, seeing any use as cheating. But even in schools with strict bans, students are finding workarounds. Tools like Quillbot let them rewrite AI-generated content to avoid detection, creating a game of cat and mouse.

The real danger isn’t just plagiarism. It is the widening gap between students who learn how to use AI well and those who don’t. AI literacy is fast becoming as essential as reading and writing. At the same time, those who become over-reliant on AI risk losing the ability to think critically without it.

This divide won’t just shape classrooms – it will flow into workplaces. Organisations will face a new split: employees who can think with AI as a partner, and those who have been shaped by it into passive operators. It is a new kind of literacy gap, and it is opening fast.

5. Communication on Autopilot: When AI Speaks for Us

By next year, forecasts suggest more than 80 per cent of our everyday communication will be AI-assisted. Google’s Gemini platform has already rolled out a feature where the AI will call local businesses on your behalf to book appointments, gather prices and report back. It is convenient and, for many of us, a relief. But every time we hand over a conversation, we lose a little of the social skill it takes to navigate it ourselves.

This is a subtle erosion that mirrors what we have seen with other technologies. Spend years driving a car with cameras and sensors, and you realise how rusty your parking skills are the moment you switch to a basic hire car. Our ability to persuade, negotiate and build rapport is built on hundreds of small, low-stakes interactions. Automate too many of them and those muscles weaken.

AI taking over the grunt work of communication isn’t all bad. It can remove friction, save time and smooth awkward exchanges. But when it handles too much on our behalf, we risk outsourcing not just what we say, but the very human process of learning how to say it.

AI is not the enemy. Used well, it can free us to focus on the parts of work and life that require uniquely human intelligence – creativity, problem-solving, emotional connection. But the line between augmentation and abdication is thin.

The trends are clear: outsourcing thought leads to digital amnesia, homogenised voices dull connection, AI companions risk emotional skill-building, the education gap looms and communication on autopilot weakens our social muscles.

For leaders and professionals, the lesson is simple but urgent. Use AI as a tool, not a crutch. Keep your brain, your voice and your relationships actively engaged. In a world where 80 per cent of communication may soon be machine-assisted, the most valuable thing you can offer is the 20 per cent that is still unmistakably human.

___________________________________________________

Michael McQueen is a trends forecaster, change strategist and award-winning conference speaker.

He features regularly as a commentator on TV and radio and is a bestselling author of 10 books. His most recent book Mindstuck explores the psychology of stubbornness and how to change minds – including your own. Find out more here.

To see Michael speaking live, click here.

For more information on Michael’s keynote speaking topics, click here.

Businesses and individuals alike are feeling the impact. Last year, nearly 60% of companies fell victim to ransomware attacks, resulting in millions of dollars lost in stolen data and recovery costs. Meanwhile, online fraud is surging, with consumers losing $8.7 billion in the U.S. alone, marking a 14.5% increase from the previous year. These numbers only scratch the surface of an evolving crisis where AI-driven cyber threats are making traditional security measures outdated.

The Evolution of Scams in the Digital Age

As cybercrime evolves, so do the tactics used by criminals. Gone are the days of easily identifiable scam emails riddled with typos. Today’s scams are polished, hyper-personalized, and alarmingly sophisticated, often fuelled by artificial intelligence. Deepfake scams have increased by 700% in the financial sector, with scammers using AI-generated voice clones and realistic video fakes to impersonate CEOs, colleagues, and even family members. Imagine receiving a call from your boss asking for an urgent wire transfer – only it’s not them on the other end of the line.

Phishing scams have also taken a more insidious turn. AI allows scammers to mimic human behaviour, creating emails that sound personal, natural, and tailored to the recipient. They no longer rely on mass email blasts; instead, they invest time building trust over weeks or even months before striking. Another growing threat is QR code fraud, where criminals replace legitimate QR codes with fake ones, directing unsuspecting users to fraudulent websites designed to steal personal data.

This shift in cybercrime means that criminals no longer need to hack into systems. They just need to trick people into willingly giving up their information. In an era where trust is currency, cybercriminals are exploiting human psychology rather than just technical vulnerabilities.

Building Cyber Resilience: Preparing for the Inevitable

With cyber threats becoming more advanced, the focus is no longer just on preventing attacks but on building resilience – the ability to recover quickly when an attack happens. The most secure businesses and individuals take a proactive approach by backing up critical data, detecting threats early, and responding swiftly.

On average, it takes companies 73 days to contain a data breach. That’s more than two months where sensitive information remains exposed, creating opportunities for financial and reputational damage. The reality is that no system is completely secure, which is why preparation is key. Cyber resilience is about being ready, not reactive, ensuring that even if an attack occurs, it doesn’t result in catastrophe.

Practical Steps to Stay Safe Online

Cybercriminals thrive on exploiting weaknesses, and more often than not, their easiest targets are people who fail to take basic precautions. Fortunately, small yet strategic changes can make a big difference in staying protected. Using a password manager like 1Password or Dashlane to create and store complex passwords significantly reduces the risk of account breaches. Avoid reusing PINs, especially common ones like 1234, 1111, or 0000, which are frequently leaked in data breaches.

Another smart precaution is to set up a personal or family codeword for verifying calls or messages that claim to be from loved ones. Scammers often exploit emotions, sending messages that create urgency or panic. Pausing before responding can prevent costly mistakes. Governments are beginning to crack down on cybercrime, with new regulations imposing $50 million fines on companies that fail to protect consumer data. However, personal vigilance remains the best defence against digital fraud.

The Future of Cybersecurity: AI as a Weapon and a Shield

Artificial intelligence is reshaping the battlefield of cybersecurity. On one hand, AI is being weaponized by cybercriminals to automate attacks, create ultra-realistic deepfake scams, and bypass traditional security measures. On Black Friday alone, Visa and Mastercard reported a 200% increase in AI-driven fraud attempts, highlighting just how rapidly these threats are escalating.

At the same time, AI is also being used to strengthen cybersecurity defenses. The rise of biometric authentication such as face scans, fingerprints, and even heartbeat recognition is paving the way for a password-free future. While biometrics may offer a more secure alternative to traditional passwords, it also raises concerns about privacy and data security. Are we willing to trade biometric data for convenience, and what happens if that data is compromised?

Meanwhile, industries once thought to be low-risk are now prime targets for cyberattacks. In 2024, a single cyberattack on the UK’s National Health Service delayed over 1,000 surgeries, proving that the consequences of cybercrime go far beyond financial losses. Critical infrastructure, from hospitals to airlines, is now in the crosshairs of cybercriminals, forcing organizations to rethink security at every level.

The Key to Outsmarting Cybercriminals

Cybercrime is evolving fast, but staying safe doesn’t require technical expertise – it requires awareness, adaptability, and action. Questioning unexpected requests, verifying sources, and maintaining strong digital hygiene can prevent most cyber threats from succeeding.

The internet isn’t getting any safer, but by staying informed and taking cybersecurity seriously, we can protect ourselves, our businesses, and our personal data. Cybercriminals are getting smarter so now it’s time for all of us to do the same.

__________________________________________________

Michael McQueen is a trends forecaster, change strategist and award-winning conference speaker.

He features regularly as a commentator on TV and radio and is a bestselling author of 10 books. His most recent book Mindstuck explores the psychology of stubbornness and how to change minds – including your own. Find out more here.

To see Michael speaking live, click here.

For more information on Michael’s keynote speaking topics, click here.

Not anymore.

The job search is being radically reshaped by AI – on both sides of the hiring table. Recruiters are turning to automation to sift through mountains of applications. Candidates are using generative AI to write cover letters, prep for interviews, and even respond to questions in real time. And somewhere in between, the very definition of what it means to be a “qualified” applicant is shifting.

Among 4,000 global employers surveyed in 2025, 72 percent reported using AI in hiring – up from 58 percent the year before. In Australia, two-thirds of HR leaders support using AI in recruitment. This isn’t a future trend. It’s the new normal.

Here are five key shifts you need to know about – whether you’re hiring, job hunting, or trying to future-proof your career.

1. AI Recruiters Are Already Interviewing You

Gone are the days when the first interview was a phone call with a person. Today, your first interaction may be with a virtual recruiter. This tends to be a bot that asks questions, analyses your tone, and decides whether you move forward.

One graphic designer recently shared on LinkedIn that she hung up midway through a phone interview after realising the “person” on the other end was an AI. It had asked questions in a natural-sounding voice and even acknowledged her responses. She found it unnerving. But it’s already common practice. Companies like Chipotle, Unilever and Vodafone have used AI tools like HireVue and Apriora to conduct first-round interviews, generate employability scores and shortlist candidates.

On the surface, this promises speed and objectivity. AI can’t get tired or make gut decisions based on a hunch. But there are concerns. Systems have been found to misread accents, penalise candidates with disabilities, and replicate the very biases they were meant to eliminate. Amazon scrapped an in-house AI hiring tool a few years ago after it consistently favoured male applicants.

Transparency is another issue. As one researcher put it, “In a human process, you can ask for feedback. But with AI? Recruiters often don’t even know why a candidate was rejected.”

That’s a problem.

2. The Resume Game Has a New Rulebook

Applicant tracking systems (ATS) now scan most resumes before a human ever sees them. That means formatting, file type and keywords aren’t nice-to-haves – they’re make-or-break.

If your CV includes charts, logos or creative formatting, there’s a good chance the system can’t read it properly. Even placing your contact info in the header or footer could mean it gets missed. AI scanners prefer .doc files, simple fonts and plain text. Style, it turns out, doesn’t always equal substance.

Keywords are critical. Think of your resume like a search engine result. If the job ad asks for “cross-functional collaboration,” your CV should say that and not just “teamwork.” One-size-fits-all applications are out. Every resume needs to be tailored to the job it’s targeting. This isn’t about gaming the system. It’s about speaking its language.

That said, there are limits. A growing number of companies are spotting “AI sameness” in applications. Generic phrasing. Too-polished prose. Answers that sound like they’ve been fed through a bot. The result? A push to bring back the human element and faster moves to video interviews, live screening and behavioural assessments to get past the AI filter.

3. AI Is Helping Candidates, Too (Sometimes a Bit Too Much)

Ironically, one of the best ways to stand out in an AI-driven hiring process is by using AI yourself.

Jobseekers are turning to tools like ChatGPT to rewrite their resumes, polish cover letters, and even practise mock interviews. Tools like Final Round AI offer an “interview copilot” – a live teleprompter-style tool that suggests responses to questions in real time, tailored to the role and your uploaded resume.

It’s the career equivalent of using a GPS in traffic. It doesn’t drive for you, but it can help you avoid the potholes.

There’s a fine line, though. Some applicants are going further. A US platform called Massive lets users auto-apply to jobs en masse, using AI-generated documents. Other candidates reportedly use third parties to feed them live answers during Zoom interviews.

Recruiters are pushing back. Some now scan eye movements in interview replays to spot candidates who might be reading from a script. Companies like Anthropic and Amazon have even issued internal guidelines banning applicants from using AI tools in the hiring process, arguing it gives an “unfair advantage.”

It’s a double standard, but a telling one. Tech companies love AI… unless it’s being used to get a job with them.

4. Bias and Fairness Are the Achilles’ Heel

For all its potential, AI in recruitment comes with serious risks.

A study from the University of Melbourne found that popular AI hiring tools often underperform when faced with accents, speech impairments or non-standard communication styles. One vendor disclosed that only 6 percent of their training data came from Australia or New Zealand – and more than a third of it was based on white, US-based candidates.

In practice, this means culturally diverse applicants, people over 55, First Nations peoples, and neurodiverse candidates may be unintentionally disadvantaged – not because of their capabilities, but because the system wasn’t trained to understand them.

In fact, nearly 40 percent of HR teams already using AI tools in recruitment admit they believe these systems have discriminated against under-represented groups.

What’s being done? Some. But not enough.

A recent Australian parliamentary report recommended that AI systems used in employment be classified as “high risk” – requiring full disclosure to candidates, clear accountability, and ensuring no HR decisions are made without human oversight.

For now, the rules are lagging behind the tech. But the pressure is mounting.

5. Authenticity Is Still the Ultimate Advantage

Despite all the automation, the best candidates still rise to the top for one simple reason: they show up as themselves.

Sure, you can use AI to write a witty cover letter or nail an interview prompt. But at some point, you have to speak, present, and connect. And no bot can do that for you.

The trick is to use AI as a co-pilot, not a stand-in. Let it help you structure your story, sharpen your language, and practise your pitch. But don’t outsource your voice.

And yes, it’s tempting to embellish. A recent survey found that nearly half of Gen Z job applicants admitted to lying on a job application to land a role. But remember, even small exaggerations can come back to bite you. Your resume should be a marketing document, not a work of fiction.

In the same way that dating apps have made it easy to swipe right using AI-generated jokes, eventually you’ve got to show up and hold a conversation. If you can’t string two words together when it counts, all the algorithms in the world won’t save you.

Final Thoughts: Technology Is Changing, But So Is Trust

The future of hiring will be faster, more digital and increasingly shaped by algorithms. But that doesn’t mean it has to lose its humanity.

Whether you’re a jobseeker trying to get noticed or an employer trying to build a fair and efficient pipeline, the key is intentionality. Use AI where it helps, but don’t forget the importance of connection, clarity and common sense.

For candidates, that means learning how these systems work, optimising your resume for relevance, and preparing for both bots and humans. For employers, it means demanding transparency from vendors, training AI on diverse data, and ALWAYS keeping a human in the loop.

Because in the race to automate recruitment, the organisations that win won’t be the ones with the most advanced tech. They’ll be the ones who remember what the “human” in human resources is actually there for.

__________________________________________________

Michael McQueen is a trends forecaster, change strategist and award-winning conference speaker.

He features regularly as a commentator on TV and radio and is a bestselling author of 10 books. His most recent book Mindstuck explores the psychology of stubbornness and how to change minds – including your own. Find out more here.

To see Michael speaking live, click here.

For more information on Michael’s keynote speaking topics, click here.

Longstanding models are being challenged on every front. Climate volatility, digital disruption, shifting customer expectations and rising systemic risks are all accelerating the need for change. While some view this as a threat, for those willing to adapt, it’s a time of enormous possibility.

From underwriting and distribution to claims and customer engagement, every part of the insurance value chain is under pressure to evolve. Whether you’re a broker, executive, underwriter or reinsurer, the road ahead will demand new tools, new thinking and a bold appetite for change.

Here are five macro trends redefining the landscape and what they mean for the future of insurance.

1. AI is reinventing how insurance works

AI is no longer on the fringe of the insurance sector. It’s fast becoming its engine room.

From automating claims handling to generating more accurate underwriting models, AI is boosting productivity across the value chain. McKinsey’s 2025 Global Insurance Report found that over 60% of insurers globally have now embedded AI into at least one core process. That number is growing rapidly.

Even more transformative is the rise of agentic AI. These tools don’t just analyse data. They take actions autonomously. This includes digital agents that assist customers in filing claims, selecting policies or getting real-time risk assessments without human intervention.

As AI adoption grows, it introduces new responsibilities. Ensuring transparency, fairness and regulatory compliance in AI-driven decisions is becoming critical, particularly in pricing and claims. It also raises questions about the changing skillsets required across the industry.

For customer-facing professionals, AI is best seen as a co-pilot. It streamlines workflows and unlocks deeper insights, allowing more time and energy to be spent on strategic advice and complex cases.

2. Climate volatility is upending traditional risk models

Extreme heatwaves, floods, wildfires and storms are no longer rare events. They’re part of a new normal.

The Insurance Council of Australia reports that insured losses from natural disasters have more than doubled in the past five years. In some areas, traditional actuarial models are no longer viable. Reinsurance capacity is shrinking, and premiums are surging.

Insurers are responding by investing in new forms of risk modelling, such as AI-enhanced catastrophe prediction and geospatial analytics. One recent example is the use of high-altitude balloon mapping to track vegetation density and fire risk in real time.

Products are also evolving. Parametric insurance, where payouts are triggered by defined events rather than assessed losses, is gaining traction in agriculture, tourism and property. This is opening up new markets, particularly in underinsured regions.

The message is clear. Climate risk can’t just be priced. It must be proactively managed. Organisations that invest in climate resilience, and insurers that support this through tailored products and partnerships, will be best placed to thrive in a warming world.

3. Cyber is the fastest-growing risk and one of the hardest to quantify

Cybercrime has become one of the most dynamic and complex categories of risk. Attacks are increasing in scale, sophistication and cost. The World Economic Forum’s 2025 Global Cybersecurity Outlook shows a 38% year-on-year rise in attacks, driven by AI-powered scams and deepfake threats.

Insurers are grappling with how to underwrite a threat that is constantly evolving. Many businesses, especially SMEs, are underinsured or unsure of what their policies cover. This has opened a gap in the market for products that combine coverage with active risk mitigation services.

There’s also growing interest in embedding cyber resilience into broader enterprise risk strategies. Some providers now offer bundled coverage that includes staff training, 24/7 monitoring, and response planning as part of their policies.

This marks a significant shift. It’s no longer just about financial protection after the fact. It’s about helping clients prevent, detect and respond to threats in real time. It also reflects a broader trend in insurance – a move from reactive to proactive.

4. Customer expectations are rising and personalisation is key

Insurance customers today – both individual and commercial – are digitally savvy, value-conscious and increasingly impatient. They expect fast, seamless experiences across every channel, and they’re not afraid to switch providers if expectations aren’t met.

According to Bain & Company, more than 70% of policyholders globally say they would switch insurers for a more digital experience. But while technology can deliver efficiency, it’s personalisation that builds loyalty.

The future of customer experience in insurance will be predictive, not just responsive. Insurers and intermediaries who harness data to anticipate needs (whether that’s through proactive policy reviews, lifestyle-linked coverage or automated renewal nudges) will gain an edge.

At the same time, many parts of the industry still struggle with fragmented platforms and legacy systems. The road ahead will require integration, investment and a willingness to reimagine the insurance journey from the ground up.

5. New skills and roles are emerging across the value chain

As insurance becomes more digital, the human element doesn’t disappear. It evolves.

Across the sector, we’re seeing new hybrid roles emerge. Risk advisors who can explain complex coverage in plain English. Claims specialists who can navigate AI triage tools. Data-literate customer managers who blend empathy with analytics.

Distribution models are shifting too. Embedded insurance, where cover is integrated into the purchase of products or services like cars or smart devices, is becoming more common. This may reduce traditional touchpoints, but it raises the stakes for every interaction that does occur.

For those in customer-facing roles, the value lies in interpretation, advocacy and relationship management. In a world of overwhelming choice and complexity, guidance matters.

Rather than being replaced by technology, these roles are being reshaped by it. And that’s a good thing. As automation handles the routine, professionals across the insurance spectrum have more space to add strategic, high-trust value.

Final thoughts: The next chapter is already being written

The future of insurance won’t be defined by one breakthrough or trend. It will be shaped by how the industry responds to many intersecting forces.

Yes, disruption is real. But so are the opportunities.

With the right mindset, tools and talent, insurance can play a vital role in making the future more resilient, fair and secure – for businesses, communities and individuals alike.

The key is staying curious, staying agile and staying focused on what matters most. Protecting people from risk and helping them face the future with confidence.

__________________________________________________

Michael McQueen is a trends forecaster, change strategist and award-winning conference speaker.

He features regularly as a commentator on TV and radio and is a bestselling author of 10 books. His most recent book Mindstuck explores the psychology of stubbornness and how to change minds – including your own. Find out more here.

To see Michael speaking live, click here.

For more information on Michael’s keynote speaking topics, click here.