ING is increasingly directing customers without smartphones toward the use of its mobile banking app. This shift is closely linked to the introduction of Wero, the new European payment standard set to replace iDEAL. For consumers who still rely on physical scanners or traditional bank cards for online transactions, banking is becoming more complex as […]
NCP-ArchPreview introduces Next Concept Prediction (NCP), enabling language models to predict multi-token concepts alongside individual tokens. The 8.9B-parameter model was trained on 5.73 trillion tokens and reaches OLMo-3-7B’s final pretraining loss using only 51.3% of the training tokens. It achieves 1.95× faster convergence and improves downstream performance by 2.45 points, including a +5.99 gain on […]