October 2, 2025

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meta, openai and google Updates

Meta is set to integrate user conversations with its AI tools into its advertising strategy, beginning December 16. This move, which affects users globally except in the UK, EU, and South Korea initially, will use interactions with Meta AI, which boasts over 1 billion monthly active users, to personalize ads and content on platforms like Facebook and Instagram. While sensitive topics like religion and politics will be excluded from ad targeting, users cannot opt out of this data collection if they engage with Meta's AI features. Elsewhere, Mitesco is expanding its AI sales tool, Robo Agent, to cater to the mortgage and insurance sectors, with versions for realtors and mortgages slated for release in late 2025 and early 2026, respectively. In the realm of AI performance, a new benchmark called APEX, designed to test high-value knowledge work in fields such as law and medicine, saw OpenAI's GPT-5 achieve a score of 64.2%, indicating progress but not yet matching human expertise. The broader AI investment landscape is experiencing a 'cold snap' rather than a full 'winter,' suggesting a recalibration of expectations rather than a collapse in funding, with companies focusing on specific business goals. Looking ahead, AI is projected to reshape indexed financial products by 2035, introducing personalized risk budgets and dynamic allocation. In military applications, PAULEY and BAE Systems are partnering to combine AI and extended reality for advanced training solutions. The necessity of a Chief AI Officer is being debated, with a three-part test proposed to determine if a company requires one, focusing on customer base, personalization efforts, and resource availability. Meanwhile, Thoughtworks received an award for its AI-powered marketing program, which, built on Google's ecosystem, reduced intelligence delivery time by 50%. The interpretation of AI capabilities continues to evolve, with ongoing relevance placed on understanding human cognitive science in relation to AI. AI is also proving vital for global innovation and intellectual property protection, with tools like those from IP.com and efforts by the USPTO enhancing ideation and patent searches.

Key Takeaways

  • Meta will use conversations with its AI tools to personalize ads and content on Facebook and Instagram starting December 16, affecting users globally except initially in the UK, EU, and South Korea.
  • Meta AI has over 1 billion monthly active users, and interactions with it, including voice and text, will be used for ad targeting, with no option to opt out for users who engage with the AI.
  • Mitesco is expanding its AI sales tool, Robo Agent, to include mortgage and insurance industries, with specific versions planned for release in late 2025 and early 2026.
  • OpenAI's GPT-5 scored 64.2% on the new APEX benchmark, which tests AI's ability to perform high-value knowledge work in fields like law, medicine, and finance.
  • The AI investment sector is experiencing a 'cold snap,' indicating a recalibration of expectations and a focus on specific business goals rather than a full 'AI winter.'
  • Indexed financial products are expected to be significantly reshaped by AI by 2035, offering personalization and dynamic allocation.
  • PAULEY and BAE Systems are collaborating to integrate AI and extended reality (XR) for enhanced military training.
  • A company's need for a Chief AI Officer can be assessed through a three-part test involving customer numbers, personalization efforts, and resource availability.
  • Thoughtworks won an award for its AI-powered marketing program, which reduced intelligence delivery time by 50% using the Google ecosystem.
  • AI is increasingly important for global innovation and intellectual property protection, with tools and initiatives from companies like IP.com and the USPTO.

Meta to use AI chats for personalized ads starting December

Meta Platforms will start using conversations with its AI tools to personalize content and ads on Facebook and Instagram from December 16. Users will be notified starting October 7 and cannot opt out if they use Meta AI. Interactions, including voice and text, will be combined with existing data like likes to improve recommendations. Sensitive topics like religion or politics will not be used for ad targeting. This change will roll out in most regions, excluding the UK, EU, and South Korea. Meta AI currently has 1 billion monthly active users.

Meta to use AI chats for personalized ads starting December

Meta will soon show ads and content based on user interactions with its AI assistant, starting December 16. The company's AI assistant has over 1 billion monthly users. This move connects Meta's AI investments with its advertising business. Users can interact with Meta AI like ChatGPT for various tasks. Interactions, whether typed or spoken, will influence recommendations. Meta plans to introduce this update in the UK and EU after regulatory reviews. Users cannot opt out, but the update only applies if they interact with Meta AI.

Meta to use AI chats for personalized ads starting December

Meta announced that data from user interactions with its AI products will be used for targeted ads on its social media platforms starting December 16. This policy applies globally, except in South Korea, the UK, and the EU. Meta will use conversations with its AI chatbot, Meta AI, to build user profiles for ad targeting. Data from AI features in Ray-Ban Meta smart glasses, including voice and video, may also be used. Conversations about sensitive topics will not be used for ads. Users cannot opt out of this change.

Meta to use AI chats for personalized ads starting December

Meta will begin collecting data from AI chatbot interactions to personalize content and ads on Facebook and Instagram starting December 16. Users will receive notifications from October 7. This change affects most regions, excluding the EU and South Korea initially. Meta provided an example where a conversation about hiking could lead to ads for hiking gear. Interactions with Meta chatbots will not be used for ads concerning sensitive topics like religion or politics. There is no option to opt out of this data collection.

Mitesco adds mortgage and insurance to AI sales tool

Mitesco is developing its Robo Agent application to support the mortgage and insurance industries, responding to consolidation in real estate. The company aims to improve efficiency and reduce overhead for industry players. This expansion will allow mortgage and insurance providers to access client data gathered by the real estate agent version of Robo Agent. Robo Agent for Realtors is expected in Q4 FY2025, with the Mortgage version in Q1 FY2026, both available through the Centcore Data Center in Melbourne, Florida. Mitesco plans further acquisitions in software and data center services.

Mitesco adds mortgage and insurance to AI sales tool

Mitesco is expanding its AI-based sales automation tool, Robo Agent, to include mortgage and insurance industries due to real estate consolidation. The company noted that mortgage and insurance offer long-term profit opportunities beyond sales commissions. This expansion will utilize client data collected by the real estate agent version of Robo Agent. Robo Agent for Realtors is planned for Q4 FY2025, and the Mortgage version for Q1 FY2026, exclusively via the Centcore Data Center. Mitesco aims to build a growth-oriented business through digital markets and strategic acquisitions.

AI can now perform high-value professional tasks

A new benchmark called APEX tests AI's ability to perform high-value knowledge work in fields like law, medicine, and finance. Developed by Mercor, it uses tasks created by experienced professionals. The benchmark aims to deeply assess AI capabilities in these domains. OpenAI's GPT-5 scored 64.2% on the benchmark, showing significant improvement but not yet matching human expertise across all tasks. While AI shows progress, current benchmarks focus on specific deliverables and don't fully test real-world computer use. Experts believe AI is becoming competitive with humans in certain areas.

AI investment faces a 'cold snap' not a winter

While generative AI has seen massive growth, some signs suggest a slowdown, referred to as a 'cold snap' rather than an 'AI winter.' Skepticism is rising about the return on investment for AI, with some enterprise projects stuck in early stages. Experts believe this might be a necessary reset, recalibrating expectations rather than a collapse of investment. Companies are focusing on more deliberate AI applications tied to specific business goals. Despite the shift, AI continues to drive transformation and influence business processes.

AI to reshape indexed financial products by 2035

Artificial intelligence is expected to significantly change indexed universal life insurance and indexed annuities by 2035. Future products will offer personalized risk budgets and dynamic allocation engines instead of simple index choices. Illustrations will become more realistic, showing performance across various market scenarios. New crediting designs will offer modest downside protection for higher participation rates. Income benefits will adapt to life events, not just market performance. Continuous underwriting and behavior-linked charges will also be introduced.

PAULEY and BAE Systems partner on AI and XR military training

PAULEY and BAE Systems have signed a two-year agreement to combine artificial intelligence (AI) and extended reality (XR) for military training. This collaboration aims to enhance skills for operating and maintaining military assets like aircraft and drones, and prepare forces for operations. The partnership builds on previous joint efforts, including BAE Systems' Project OdySSEy synthetic training environment. Both companies believe AI and XR are crucial for future military strategies and aim to deliver cutting-edge training solutions.

Does your company need a Chief AI Officer?

A dedicated Chief AI Officer (CAIO) may not be necessary for every company. A three-part test can help determine the need: having at least a million customers, moving into personalization, and possessing the resources to implement AI. If a company meets these criteria, a CAIO role should be carefully structured. For those that don't meet the threshold, partnerships can be a viable alternative. The competition for CAIOs is fierce, with high salaries and signing bonuses, making careful consideration of the role's necessity crucial.

Thoughtworks wins award for AI-powered marketing

Thoughtworks has won the 2025 ITSMA Customer Insights Program of the Year Award for its innovative, AI-enabled marketing program. The program transformed high-value client intelligence services, significantly reducing time-to-insight and boosting the Market Research and Intelligence team's impact. It uses a human-AI collaboration model, automating basic tasks so researchers can focus on strategic analysis. The system, built on the Google ecosystem, cut intelligence delivery time by 50 percent while maintaining quality.

AI interpretation evolves, human bias remains

An earlier argument suggested that AI is often misunderstood through an anthropomorphic bias, treating it as too human-like. Three years later, with significant advancements in AI capabilities, this perspective on how we interpret AI, especially in military education, continues to be relevant. The study of human cognitive science remains important for a rigorous understanding of AI. The evolution of AI capabilities prompts ongoing reflection on how we perceive and interact with these technologies.

AI tools boost global innovation and IP protection

Artificial intelligence (AI) is becoming crucial for global innovation and economic resilience, transforming intellectual property (IP) ecosystems. IP.com offers AI-powered tools to enhance ideation, evaluate novelty, and protect inventions worldwide. The U.S. Patent and Trademark Office (USPTO) is also using AI to improve prior art searches and examination quality. IP.com's secure and responsible AI solutions align with global efforts to build trustworthy AI systems that drive economic growth and national security.

Sources

AI Personalization Meta AI Targeted Advertising Facebook Ads Instagram Ads AI Sales Tools Robo Agent Mortgage Industry Insurance Industry AI Benchmarks Knowledge Work AI Investment Generative AI AI Transformation Indexed Financial Products AI in Finance Military Training AI and XR Chief AI Officer AI Strategy AI-Powered Marketing Customer Insights AI Interpretation Human-AI Collaboration AI and IP Protection Intellectual Property USPTO Innovation