Banking & Fintech: TD rolled out Canada’s first fully integrated in-app payroll direct-deposit switching, aiming to cut paperwork and let customers change deposits in about a minute. Capital Markets: Maya is targeting a possible IPO debut on the PSE next year (with GCash likely first), as the exchange seeks more tech listings. Corporate Performance: Phinma returned to profitability in H1 2026, helped by education growth and steadier demand, despite weaker revenues and FX/borrowing pressures. AI & Business Costs: Microsoft moved to curb “tokenmaxxing” by limiting staff AI token use and pushing cheaper models by default, as Copilot billing shifts with rising compute costs. Regulation & Trade: Nepal eased exporter compliance by removing physical duty challans for DGFT EODC applications, shifting verification to the DGFT portal. Data Centers & Local Policy: Colorado local governments enacted moratoriums on data center development amid environmental and health concerns. Public Spending & Delivery: Nepal’s finance minister began talks with 20 multinational investors on budget implementation, while a study warns Nepal’s “national pride” projects could slip another decade without faster execution. Market Watch: Bursa Malaysia traded lower at midday amid profit-taking, with telecom and chip-linked sentiment still fragile. Food & Consumer: Hilton Foods agreed to sell its Dutch vegan/vegetarian unit Dalco Food to Livekindly for $7.2m as it refocuses on core meat and fresh prepared operations.