Serge Belamant (born 1953) is a French-born South African entrepreneur best known for designing the Universal Electronic Payment System (UEPS) and the Chip Offline Pre-authorised Card (COPAC). He founded the cash-payments company Net1 UEPS Technologies in 1989, led it through dual listings on the NASDAQ and the Johannesburg Stock Exchange, and oversaw the contentious welfare-payments contract with the South African Social Security Agency (SASSA) until his retirement in 2017. Since 2018 he has been non-executive chair of London-based buy-now-pay-later fintech Zilch. == Early life and education == Belamant moved from France to South Africa with his family in 1967 and matriculated from Highlands North Boys' High School, Johannesburg. In 1972 he entered the University of the Witwatersrand to study civil engineering but switched to computer science and applied mathematics in his second year. He left the university without a degree and later took short courses in information systems at the University of South Africa (UNISA). == Early career and SASWITCH (1981–1989) == Belamant worked for Control Data Corporation as a systems analyst for a decade before joining SASWITCH Ltd in 1985. Economic sanctions had left the consortium's national ATM network dependent on unsupported Christian Rovsing computers. Belamant led a rebuild on fault-tolerant Stratus hardware and wrote protocol-translation software that allowed fourteen banks to connect without altering their host systems. By 1988 SASWITCH was handling about three million ATM transactions a month, according to the Competition Commission. The switch—now run by BankservAfrica—remains the backbone of South Africa's shared ATM network. == Net1 UEPS Technologies (1989–2017) == === Founding and UEPS === In 1989, Serge Belamant developed the Universal Electronic Payment System (UEPS), enabling secure, real-time transactions even in areas with limited connectivity. In the same year, he founded NET1 UEPS Technologies Inc., serving as its CEO and Director. === COPAC for VISA === In 1995, VISA tasked Belamant with designing the Chip Offline Pre-authorized Card (COPAC), a technology still widely used in chip-enabled credit and debit cards. A year later, he listed his company APLITEC (Applied Technology Holdings Limited) on the Johannesburg Stock Exchange. === Listings and acquisitions === In 1999, Belamant acquired Cash Payment Services (CPS) from First National Bank of South Africa, modernizing its welfare payment system to serve millions in rural areas. In 2005, he led NET1 Technologies to an IPO, listing it as NET1 UEPS Technologies Inc. on the Nasdaq. A secondary listing on the Johannesburg Stock Exchange (JSE) followed in 2008. === SASSA contract === Under Belamant's leadership, NET1 managed welfare payments for the South African Social Security Agency (SASSA), handling payments for over 10 million beneficiaries monthly. Despite criticism over handling the SASSA contract, investigations by the U.S. Department of Justice and the South African Constitutional Court found no wrongdoing. == Zilch (2018–present) == Belamant co-founded London-based "buy-now-pay-later" firm Zilch Technology in 2018 and serves as non-executive chair. Zilch reported £145 million in annual-recurring revenue and 4.5 million customers in January 2025. == Patents == Belamant is listed as inventor on more than a dozen payment-security patents, including: "Funds transfer system" (US RE36,788, 2000) – the basis for UEPS. "Financial transactions with a varying PIN" (WO 2014/037869, 2014).
Apertus (LLM)
Apertus is a public large language model, developed by the Swiss AI Initiative (a collaboration between EPFL, ETH Zurich, and the Swiss National Supercomputing Centre). It was released on September 2, 2025, under the free and open-source Apache 2.0 license. Designed initially for business and research use cases around the world, Apertus was trained on over 1800 languages, and comes in 8 billion or 70 billion parameter versions and is available on Hugging Face for download. The model was developed aiming to adhere to European copyright law, and is one of the first examples of AI as a public good in the vein of AI Sovereignty. It is also the first large model to comply with the European Union's Artificial Intelligence Act. At its launch, the model creators emphasized multilinguality, transparency, and auditability as priorities in contrast to commercial frontier model. While international reception was largely positive, the first iteration was significantly behind the capabilities of frontier models and needs adaptation for many use cases with chatbots being a secondary but not a primary use case. As of late 2025, it was considered the largest and most capable fully open model. The capability of future models will depend in part on how much more funding can be secured.
Kuki AI
Kuki is an embodied AI bot designed for usage in the metaverse. Formerly known as Mitsuku, Kuki is a chatbot created from the Pandorabots framework. The bot has won the Loebner Prize 5 times. == Features == Kuki claims to be an 18-year-old female chatbot from the Metaverse, and the developers have stated she has been worked on since 2005. Early work by one of the company's co-founders inspired the Spike Jonze movie Her. As of 2015, she conversed, on average, in excess of a quarter of a million times daily, and it was estimated 5 million unique users had interacted with her between 2016 and 2020. == Virtual talent, model, and influencer == Kuki has appeared as a Virtual Model in Vogue Business and at Crypto Fashion Week where she modelled NFTs and spoke about the future of digital fashion. In 2021, Kuki modelled five digital looks from emerging Vogue Talents designers for Italian Vogue, that sold out as NFTs in under an hour. Kuki has also modeled for H&M on Instagram in a digital campaign that resulted in an "11x increase in ad recall" per a case study by Meta. == Awards == As of 2019, Kuki had been awarded the Loebner Prize five times, more than any other entrant. In 2020, Kuki competed against Facebook AI's Blenderbot in a 24/7 verbal sparring match called "Bot Battle", winning 79% of the audience vote.
Phase correlation
Phase correlation is an approach to estimate the relative translative offset between two similar images (digital image correlation) or other data sets. It is commonly used in image registration and relies on a frequency-domain representation of the data, usually calculated by fast Fourier transforms. The term is applied particularly to a subset of cross-correlation techniques that isolate the phase information from the Fourier-space representation of the cross-correlogram. == Example == The following image demonstrates the usage of phase correlation to determine relative translative movement between two images corrupted by independent Gaussian noise. The image was translated by (20,23) pixels. Accordingly, one can clearly see a peak in the phase-correlation representation at approximately (20,23). == Method == Given two input images g a {\displaystyle \ g_{a}} and g b {\displaystyle \ g_{b}} : Apply a window function (e.g., a Hamming window) on both images to reduce edge effects (this may be optional depending on the image characteristics). Then, calculate the discrete 2D Fourier transform of both images. G a = F { g a } , G b = F { g b } {\displaystyle \ \mathbf {G} _{a}={\mathcal {F}}\{g_{a}\},\;\mathbf {G} _{b}={\mathcal {F}}\{g_{b}\}} Calculate the cross-power spectrum by taking the complex conjugate of the second result, multiplying the Fourier transforms together elementwise, and normalizing this product elementwise. R = G a ∘ G b ∗ | G a ∘ G b ∗ | {\displaystyle \ R={\frac {\mathbf {G} _{a}\circ \mathbf {G} _{b}^{}}{|\mathbf {G} _{a}\circ \mathbf {G} _{b}^{}|}}} Where ∘ {\displaystyle \circ } is the Hadamard product (entry-wise product) and the absolute values are taken entry-wise as well. Written out entry-wise for element index ( j , k ) {\displaystyle (j,k)} : R j k = G a , j k ⋅ G b , j k ∗ | G a , j k ⋅ G b , j k ∗ | {\displaystyle \ R_{jk}={\frac {G_{a,jk}\cdot G_{b,jk}^{}}{|G_{a,jk}\cdot G_{b,jk}^{}|}}} Obtain the normalized cross-correlation by applying the inverse Fourier transform. r = F − 1 { R } {\displaystyle \ r={\mathcal {F}}^{-1}\{R\}} Determine the location of the peak in r {\displaystyle \ r} . ( Δ x , Δ y ) = arg max ( x , y ) { r } {\displaystyle \ (\Delta x,\Delta y)=\arg \max _{(x,y)}\{r\}} === Subpixel registration === Commonly, interpolation methods are used to estimate the peak location in the cross-correlogram to non-integer values, despite the fact that the data are discrete, and this procedure is often termed 'subpixel registration'. A large variety of subpixel interpolation methods are given in the technical literature. Common peak interpolation methods such as parabolic interpolation have been used, and the OpenCV computer vision package uses a centroid-based method, though these generally have inferior accuracy compared to more sophisticated methods. Because the Fourier representation of the data has already been computed, it is especially convenient to use the Fourier shift theorem with real-valued (sub-integer) shifts for this purpose, which essentially interpolates using the sinusoidal basis functions of the Fourier transform. An especially popular FT-based estimator is given by Foroosh et al. In this method, the subpixel peak location is approximated by a simple formula involving peak pixel value and the values of its nearest neighbors, where r ( 0 , 0 ) {\displaystyle r_{(0,0)}} is the peak value and r ( 1 , 0 ) {\displaystyle r_{(1,0)}} is the nearest neighbor in the x direction (assuming, as in most approaches, that the integer shift has already been found and the comparand images differ only by a subpixel shift). Δ x = r ( 1 , 0 ) r ( 1 , 0 ) ± r ( 0 , 0 ) {\displaystyle \ \Delta x={\frac {r_{(1,0)}}{r_{(1,0)}\pm r_{(0,0)}}}} The Foroosh et al. method is quite fast compared to most methods, though it is not always the most accurate. Some methods shift the peak in Fourier space and apply non-linear optimization to maximize the correlogram peak, but these tend to be very slow since they must apply an inverse Fourier transform or its equivalent in the objective function. It is also possible to infer the peak location from phase characteristics in Fourier space without the inverse transformation, as noted by Stone. These methods usually use a linear least squares (LLS) fit of the phase angles to a planar model. The long latency of the phase angle computation in these methods is a disadvantage, but the speed can sometimes be comparable to the Foroosh et al. method depending on the image size. They often compare favorably in speed to the multiple iterations of extremely slow objective functions in iterative non-linear methods. Since all subpixel shift computation methods are fundamentally interpolative, the performance of a particular method depends on how well the underlying data conform to the assumptions in the interpolator. This fact also may limit the usefulness of high numerical accuracy in an algorithm, since the uncertainty due to interpolation method choice may be larger than any numerical or approximation error in the particular method. Subpixel methods are also particularly sensitive to noise in the images, and the utility of a particular algorithm is distinguished not only by its speed and accuracy but its resilience to the particular types of noise in the application. == Rationale == The method is based on the Fourier shift theorem. Let the two images g a {\displaystyle \ g_{a}} and g b {\displaystyle \ g_{b}} be circularly-shifted versions of each other: g b ( x , y ) = d e f g a ( ( x − Δ x ) mod M , ( y − Δ y ) mod N ) {\displaystyle \ g_{b}(x,y)\ {\stackrel {\mathrm {def} }{=}}\ g_{a}((x-\Delta x){\bmod {M}},(y-\Delta y){\bmod {N}})} (where the images are M × N {\displaystyle \ M\times N} in size). Then, the discrete Fourier transforms of the images will be shifted relatively in phase: G b ( u , v ) = G a ( u , v ) e − 2 π i ( u Δ x M + v Δ y N ) {\displaystyle \mathbf {G} _{b}(u,v)=\mathbf {G} _{a}(u,v)e^{-2\pi i({\frac {u\Delta x}{M}}+{\frac {v\Delta y}{N}})}} One can then calculate the normalized cross-power spectrum to factor out the phase difference: R ( u , v ) = G a G b ∗ | G a G b ∗ | = G a G a ∗ e 2 π i ( u Δ x M + v Δ y N ) | G a G a ∗ e 2 π i ( u Δ x M + v Δ y N ) | = G a G a ∗ e 2 π i ( u Δ x M + v Δ y N ) | G a G a ∗ | = e 2 π i ( u Δ x M + v Δ y N ) {\displaystyle {\begin{aligned}R(u,v)&={\frac {\mathbf {G} _{a}\mathbf {G} _{b}^{}}{|\mathbf {G} _{a}\mathbf {G} _{b}^{}|}}\\&={\frac {\mathbf {G} _{a}\mathbf {G} _{a}^{}e^{2\pi i({\frac {u\Delta x}{M}}+{\frac {v\Delta y}{N}})}}{|\mathbf {G} _{a}\mathbf {G} _{a}^{}e^{2\pi i({\frac {u\Delta x}{M}}+{\frac {v\Delta y}{N}})}|}}\\&={\frac {\mathbf {G} _{a}\mathbf {G} _{a}^{}e^{2\pi i({\frac {u\Delta x}{M}}+{\frac {v\Delta y}{N}})}}{|\mathbf {G} _{a}\mathbf {G} _{a}^{}|}}\\&=e^{2\pi i({\frac {u\Delta x}{M}}+{\frac {v\Delta y}{N}})}\end{aligned}}} since the magnitude of an imaginary exponential always is one, and the phase of G a G a ∗ {\displaystyle \ \mathbf {G} _{a}\mathbf {G} _{a}^{}} always is zero. The inverse Fourier transform of a complex exponential is a Dirac delta function, i.e. a single peak: r ( x , y ) = δ ( x + Δ x , y + Δ y ) {\displaystyle \ r(x,y)=\delta (x+\Delta x,y+\Delta y)} This result could have been obtained by calculating the cross correlation directly. The advantage of this method is that the discrete Fourier transform and its inverse can be performed using the fast Fourier transform, which is much faster than correlation for large images. === Benefits === Unlike many spatial-domain algorithms, the phase correlation method is resilient to noise, occlusions, and other defects typical of medical or satellite images. The method can be extended to determine rotation and scaling differences between two images by first converting the images to log-polar coordinates. Due to properties of the Fourier transform, the rotation and scaling parameters can be determined in a manner invariant to translation. === Limitations === In practice, it is more likely that g b {\displaystyle \ g_{b}} will be a simple linear shift of g a {\displaystyle \ g_{a}} , rather than a circular shift as required by the explanation above. In such cases, r {\displaystyle \ r} will not be a simple delta function, which will reduce the performance of the method. In such cases, a window function (such as a Gaussian or Tukey window) should be employed during the Fourier transform to reduce edge effects, or the images should be zero padded so that the edge effects can be ignored. If the images consist of a flat background, with all detail situated away from the edges, then a linear shift will be equivalent to a circular shift, and the above derivation will hold exactly. The peak can be sharpened by using edge or vector correlation. For periodic images (such as a chessboard or picket fence), phase correlation may yield ambiguous results with several peaks in the resulting output. == Applications == Phase correlation is the preferred m
Language model benchmark
A language model benchmark is a standardized test designed to evaluate the performance of language models on various natural language processing tasks. These tests are intended for comparing different models' capabilities in areas such as language understanding, generation, and reasoning. Benchmarks generally consist of a dataset and corresponding evaluation metrics. The dataset provides text samples and annotations, while the metrics measure a model's performance on tasks like answering questions, text classification, and machine translation. These benchmarks are developed and maintained by academic institutions, research organizations, and industry players to track progress in the field. In addition to accuracy, the metrics can include throughput, energy efficiency, bias, trust, and sustainability. == Overview == === Types === Benchmarks may be described by the following adjectives, not mutually exclusive: Classical: These tasks are studied in natural language processing, even before the advent of deep learning. Examples include the Penn Treebank for testing syntactic and semantic parsing, as well as bilingual translation benchmarked by BLEU scores. Question answering: These tasks have a text question and a text answer, often multiple-choice. They can be open-book or closed-book. Open-book QA resembles reading comprehension questions, with relevant passages included as annotation in the question, in which the answer appears. Closed-book QA includes no relevant passages. Closed-book QA is also called open-domain question-answering. Before the era of large language models, open-book QA was more common, and understood as testing information retrieval methods. Closed-book QA became common since GPT-2 as a method to measure knowledge stored within model parameters. Omnibus: An omnibus benchmark combines many benchmarks, often previously published. It is intended as an all-in-one benchmarking solution. Reasoning: These tasks are usually in the question-answering format, but are intended to be more difficult than standard question answering. Multimodal: These tasks require processing not only text, but also other modalities, such as images and sound. Examples include OCR and transcription. Agency: These tasks are for a language-model–based software agent that operates a computer for a user, such as editing images, browsing the web, etc. Adversarial: A benchmark is "adversarial" if the items in the benchmark are picked specifically so that certain models do badly on them. Adversarial benchmarks are often constructed after state of the art (SOTA) models have saturated (achieved 100% performance) a benchmark, to renew the benchmark. A benchmark is "adversarial" only at a certain moment in time, since what is adversarial may cease to be adversarial as newer SOTA models appear. Public/Private: A benchmark might be partly or entirely private, meaning that some or all of the questions are not publicly available. The idea is that if a question is publicly available, then it might be used for training, which would be "training on the test set" and invalidate the result of the benchmark. Usually, only the guardians of the benchmark have access to the private subsets, and to score a model on such a benchmark, one must send the model weights, or provide API access, to the guardians. The boundary between a benchmark and a dataset is not sharp. Generally, a dataset contains three "splits": training, test, and validation. Both the test and validation splits are essentially benchmarks. In general, a benchmark is distinguished from a test/validation dataset in that a benchmark is typically intended to be used to measure the performance of many different models that are not trained specifically for doing well on the benchmark, while a test/validation set is intended to be used to measure the performance of models trained specifically on the corresponding training set. In other words, a benchmark may be thought of as a test/validation set without a corresponding training set. Conversely, certain benchmarks may be used as a training set, such as the English Gigaword or the One Billion Word Benchmark, which in modern language is just the negative log-likelihood loss on a pretraining set with 1 billion words. Indeed, the distinction between benchmark and dataset in language models became sharper after the rise of the pretraining paradigm, whereby a model is first trained on massive, unlabeled datasets to learn general language patterns, syntax, and knowledge (pretraining), and the base model is then adapted to specific, downstream tasks using smaller, labeled datasets (fine-tuning). === Lifecycle === Generally, the life cycle of a benchmark consists of the following steps: Inception: A benchmark is published. It can be simply given as a demonstration of the power of a new model (implicitly) that others then picked up as a benchmark, or as a benchmark that others are encouraged to use (explicitly). Growth: More papers and models use the benchmark, and the performance on the benchmark grows. Maturity, degeneration or deprecation: A benchmark may be saturated, after which researchers move on to other benchmarks. Progress on the benchmark may also be neglected as the field moves to focus on other benchmarks. Renewal: A saturated benchmark can be upgraded to make it no longer saturated, allowing further progress. === Construction === Like datasets, benchmarks are typically constructed by several methods, individually or in combination: Web scraping: Ready-made question-answer pairs may be scraped online, such as from websites that teach mathematics and programming. Conversion: Items may be constructed programmatically from scraped web content, such as by blanking out named entities from sentences, and asking the model to fill in the blank. This was used for making the CNN/Daily Mail Reading Comprehension Task. Crowd sourcing: Items may be constructed by paying people to write them, such as on Amazon Mechanical Turk. This was used for making the MCTest. === Evaluation === Generally, benchmarks are fully automated. This limits the questions that can be asked. For example, with mathematical questions, "proving a claim" would be difficult to automatically check, while "calculate an answer with a unique integer answer" would be automatically checkable. With programming tasks, the answer can generally be checked by running unit tests, with an upper limit on runtime. The benchmark scores are of the following kinds: For multiple choice or cloze questions, common scores are accuracy (frequency of correct answer), precision, recall, F1 score, etc. pass@n: The model is given n {\displaystyle n} attempts to solve each problem. If any attempt is correct, the model earns a point. The pass@n score is the model's average score over all problems. k@n: The model makes n {\displaystyle n} attempts to solve each problem, but only k {\displaystyle k} attempts out of them are selected for submission. If any submission is correct, the model earns a point. The k@n score is the model's average score over all problems. cons@n: The model is given n {\displaystyle n} attempts to solve each problem. If the most common answer is correct, the model earns a point. The cons@n score is the model's average score over all problems. Here "cons" stands for "consensus" or "majority voting". The pass@n score can be estimated more accurately by making N > n {\displaystyle N>n} attempts, and use the unbiased estimator 1 − ( N − c n ) ( N n ) {\displaystyle 1-{\frac {\binom {N-c}{n}}{\binom {N}{n}}}} , where c {\displaystyle c} is the number of correct attempts. For less well-formed tasks, where the output can be any sentence, there are the following commonly used scores including BLEU ROUGE, METEOR, NIST, word error rate, LEPOR, CIDEr, and SPICE. === Issues === error: Some benchmark answers may be wrong. ambiguity: Some benchmark questions may be ambiguously worded. subjective: Some benchmark questions may not have an objective answer at all. This problem generally prevents creative writing benchmarks. Similarly, this prevents benchmarking writing proofs in natural language, though benchmarking proofs in a formal language is possible. open-ended: Some benchmark questions may not have a single answer of a fixed size. This problem generally prevents programming benchmarks from using more natural tasks such as "write a program for X", and instead uses tasks such as "write a function that implements specification X". inter-annotator agreement: Some benchmark questions may be not fully objective, such that even people would not agree with 100% on what the answer should be. This is common in natural language processing tasks, such as syntactic annotation. shortcut: Some benchmark questions may be easily solved by an "unintended" shortcut. For example, in the SNLI benchmark, having a negative word like "not" in the second sentence is a strong signal for the "Contradiction" category, regardless of what the se
Freemake Video Converter
Freemake Video Converter is a freemium video editing app developed by Ellora Assets Corporation. Designed primarily for entry-level users, the software offers a range of functionalities including video format conversion, DVD ripping, and the creation of photo slideshows and music visualizations. Additionally, Freemake Video Converter is capable of burning video streams that are compatible with various media, such as DVDs and Blu-ray Discs. It also features direct video uploading capabilities to platforms like YouTube., enhancing its utility for content creators. The application's user-friendly interface and broad compatibility make it accessible for individuals with minimal video editing experience. == Features == Freemake Video Converter can perform simple non-linear video editing tasks, such as cutting, rotating, flipping, and combining multiple videos into one file with transition effects. It can also create photo slideshows with background music. Users are then able to upload these videos to YouTube. Freemake Video Converter can read the majority of video, audio, and image formats, and outputs them to AVI, MP4, WMV, Matroska, FLV, SWF, 3GP, DVD, Blu-ray, MPEG and MP3. The program also prepares videos supported by various multimedia devices, including Apple devices (iPod, iPhone, iPad), Xbox, Sony PlayStation, Samsung, Nokia, BlackBerry, and Android mobile devices. The software is able to perform DVD burning and is able to convert videos, photographs, and music into DVD video. The user interface is based on Windows Presentation Foundation technology. Freemake Video Converter supports NVIDIA CUDA technology for H.264 video encoding (starting with version 1.2.0). == Important updates == Freemake Video Converter 2.0 was a major update that integrated two new functions: ripping video from online portals and Blu-ray disc creation and burning. Version 2.1 implemented suggestions from users, including support for subtitles, ISO image creation, and DVD to DVD/Blu-ray conversion. With version 2.3 (earlier 2.2 Beta), support for DXVA has been added to accelerate conversion (up to 50% for HD content). Version 3.0 added HTML5 video creation support and new presets for smartphones. Version 4.0 (introduced in April 2013) added a freemium "Gold Pack" of extra features that can be added if a "donation" is paid. Starting with version 4.0.4, released on 27 August 2013, the program adds a promotional watermark at the end of every video longer than 5 minutes unless Gold Pack is activated. Version 4.1.9, released on 25 November 2015 added support for drag-and-drop functions that were not available in prior versions. Since at least version 4.1.9.44 (1 May 2017), the Freemake Welcome Screen is added at the beginning of the video, and the big Freemake logo is watermarked in the center of the whole video. This decreases the quality of free outputs, and users are forced to pay money to remove the watermark or stop using it. Version 4.1.9.31 (11 August 2016) does not have this restriction. == Licensing issues == FFmpeg has added Freemake Video Converter v1.3 to its Hall of Shame. An issue tracker entry for this product, opened on 16 December 2010, says it is in violation of the GNU General Public License as it is distributing components of the FFmpeg project without including due credit. Ellora Assets Corporation has not responded yet. == Bundled software from sponsors == Since version 4.0, Freemake Video Converter's installer includes a potentially unwanted search toolbar from Conduit as well as SweetPacks malware. Although users can decline the software during installation, the opt-out option is rendered in gray, which could mistakenly give the impression that it's disabled.
Albert One
Albert One is an artificial intelligence chatbot created by Robby Garner and designed to mimic the way humans make conversations using a multi-faceted approach in natural language programming. == History == In both 1998 and 1999, Albert One won the Loebner Prize Contest, a competition between chatterbots. Some parts of Albert were deployed on the internet beginning in 1995, to gather information about what kinds of things people would say to a chatterbot. Another element of Albert One involved the building of a large database of human statements, and associated replies. This portion of the project was tested at the 1994-1997 Loebner Prize contests. Albert was the first of Robby Garner's multifaceted bots. The Albert One system was composed of several subsystems. Among those were a version of Eliza, the therapist, Elivs, another Eliza-like bot, and several other helper applications working together in a hierarchical arrangement. As a continuation of the stimulus-response library, various other database queries and assertions were tested to arrive at each of Albert's responses. Robby went on to develop networked examples of this kind of hierarchical "glue" at The Turing Hub.