Technologies

We Just Saw the Warmest February on Record, and It’s Following a Trend

Climate change has driven temperatures up for nine straight months, scientists say.

Last year, we experienced both the hottest summer and the hottest year on record, and 2024 isn’t showing any chill either. According to a report from the European Union’s Copernicus Climate Change Service, February 2024 was the warmest February ever recorded, as well as the ninth consecutive month to break its own heat record.

Europe saw dramatic warming in February, with temperatures 3.3 degrees Celsius above the average between 1991-2020.

«February joins the long stream of records of the last few months,» C3S director Carlo Buontempo said in the report. «It is not really surprising as the continuous warming of the climate system inevitably leads to new temperature extremes. The climate responds to the actual concentrations of greenhouse gases in the atmosphere so unless we manage to stabilise those, we will inevitably face new global temperature records and their consequences.»

Human-made greenhouse gas emissions largely come from the burning of fossil fuels for energy, with the top three emitters worldwide being China, the US and the EU. Per capita, the US and Russia have the highest emissions.

Data for February from the C3S notes that temperatures were also above average in central and northwest North America, the majority of South America, Northern Siberia, Africa, and Western Australia. Marine air temperatures remained «unusually high» as El Niño weakened in the Pacific.

«There’s now so much evidence pointing to the fact that our climate is warming,» Friederike Otto, Imperial College London’s senior lecturer in climate science, told The Guardian in response to the C3S report.

Reducing greenhouse gas emissions

A March 2023 report from the United Nations’ Intergovernmental Panel on Climate Change said that half of the world’s population is «highly vulnerable to climate change,» noting as well that urgent action could help the world maintain a «livable future.»

In a tweet pointing to the IPCC report, UN Secretary-General António Guterres said that the «climate time-bomb is ticking.» He added that the report shows «we have the knowledge & resources to tackle the climate crisis.»

The UN report enumerates ways to reduce greenhouse gas emissions and mitigate the climate emergency caused by humans, such as changes to the food and transportation systems, and notes the importance of international cooperation in climate action. «If we act now, we can still secure a liveable sustainable future for all,» IPCC Chair Hoesung Lee said in the report.

A landmark agreement to transition away from using fossil fuels for energy was signed by nearly 200 countries at the UN’s COP 28 climate conference in Dubai in December, bringing the world a step closer to cooperating on solutions such as renewable energy.

«Whilst we didn’t turn the page on the fossil fuel era in Dubai, this outcome is the beginning of the end,» UN Climate Change Executive Secretary Simon Stiell said in his closing speech. «Now all governments and businesses need to turn these pledges into real-economy outcomes, without delay.»

More on the climate crisis

Technologies

Forbes Türkiye Highlights Verum Finance and the Rise of Integrated Financial Ecosystems

Forbes Türkiye has published an article examining the launch of Verum Finance and its approach to integrating financial services directly into a messaging ecosystem.

In the article, Forbes Türkiye notes that the fintech industry is undergoing a transformation as financial services increasingly move beyond traditional banking applications and become part of broader digital ecosystems. Verum Finance is presented as an example of this trend, combining payments, digital cards, money transfers, and balance management within a single environment connected to Verum Messenger.

According to the publication, Verum Finance follows a model similar to the “super app” concept that has gained significant traction in Asian markets, where communication and financial services operate together on one platform. Unlike many Western platforms that continue to separate messaging and banking services, Verum Finance is integrated directly into the Verum ecosystem, allowing users to manage financial activities without relying on multiple third-party applications.

The article highlights several core features of the platform, including virtual debit cards, user-to-user transfers, online payments, digital asset operations, Apple Pay integration, and in-app balance management.

Forbes Türkiye also points to the growing importance of embedded finance and changing user expectations. The publication suggests that lengthy account-opening procedures, physical card delivery times, and constant switching between applications are becoming increasingly outdated in a mobile-first world.

Another major focus of the article is privacy and security. Forbes Türkiye describes Verum Finance as part of a broader trend toward “privacy-driven fintech,” where financial services are built on privacy-oriented infrastructure. The publication notes that the platform incorporates features such as phone-number-free registration, end-to-end encryption, user-controlled access management, and privacy-focused tools designed to enhance data protection.

The article concludes that one of the key challenges for companies operating at the intersection of secure communications, digital payments, and embedded finance will be maintaining both usability and security within a single integrated ecosystem.

The coverage by Forbes Türkiye reflects growing media interest in platforms that combine communication and financial services, as the industry continues moving toward more unified digital experiences.

Website: https://finance.verum.im
App Store: https://apps.apple.com/app/verum-finance/id6774245148
Verum Messenger: https://verum.im

Technologies

Verum Launched “Verum Finance” App for iPhone and iPad, Expanding Its Digital Ecosystem Into Financial Services

Verum has announced the official launch of Verum Finance, a standalone financial application now available on the App Store for iPhone and iPad, marking a further expansion of the company’s growing digital ecosystem.

The new application is designed to centralize core financial functions in a single mobile interface, allowing users to manage balances, send and receive funds, use debit cards, and exchange supported balance types without relying on traditional banking workflows.

According to Verum, the platform enables users to view account activity in real time, top up balances using supported payment methods including Apple Pay, and transfer funds to other users within the Verum ecosystem using a unique Verum ID. The system also supports multi-balance management, including specialized balance categories such as precious metals.

Debit card functionality is integrated directly into the app, allowing users to issue and manage cards linked to their balances, monitor transactions, and top up cards when needed. The company also emphasizes built-in exchange tools that allow users to convert between supported balance types within the application.

Security features include Face ID authentication, passcode protection, Sign in with Apple, and privacy-oriented account controls aimed at maintaining user confidentiality and data protection.

The launch of Verum Finance follows the company’s broader strategy of building an interconnected ecosystem of digital products. Alongside Verum Messenger, which combines secure communication tools, encrypted messaging, voice and video calls, VPN services, eSIM connectivity, AI features, anonymous email, and crypto-related functionality, the new financial app extends Verum’s positioning from communication technology into financial infrastructure.

Industry trends increasingly show demand for “all-in-one” digital environments that reduce dependency on multiple standalone apps. Verum’s approach reflects this shift by integrating communication and financial services within a unified ecosystem.

Verum Finance is now available globally for download on iPhone and iPad via the App Store.

Website: https://finance.verum.im
App Store: https://apps.apple.com/app/verum-finance/id6774245148
Verum Messenger: https://verum.im

Technologies

Verum Messenger: Don’t follow the future. Define it

In a world where information defines influence, Verum Messenger is building a new architecture of digital communication — intelligent, secure, and ready for tomorrow. Here, technology serves not limitations, but possibilities.

Not being part of change. Leading it. Verum Messenger — the future that speaks first.