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How SMBs Can Build AI Apps Using Plain Language

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Every new trend comes with its own nomenclature.

In the 1980s, it was yuppie for young urban professional. The 1990s saw the rise of the expression soccer mom. In the 2000s, we had hipsters.

Now there’s a new term in artificial intelligence programming: vibe coding.

Coined by OpenAI co-founder Andrej Karpathy, vibe coding refers to the writing of computer programs without knowing programming languages. Instead, users use plain language and focus on the vibe of the project.

“There’s a new kind of coding I call ‘vibe coding,’ where you fully give in to the vibes, embrace exponentials and forget that the code even exists,” wrote Karpathy in a February post on social platform X. “It’s possible because the [large language models (LLMs)] … are getting too good.”

For example, a company can use the Code Interpreter mode in OpenAI’s GPT-5 and instruct it to create a chatbot that answers customer questions. The AI model will generate the application for a company to test and refine through more prompts.

Smallto medium-sized businesses (SMBs) can turn an idea into a working prototype in hours instead of weeks. Tools from platforms like Google AI Studio are making this process accessible to non-technical users.

Some people have successfully launched businesses after creating apps using vibe coding, CNBC reported in May.

Amjad Masad, CEO of Replit, a coding platform, said in an interview with the Big Technology Podcast that anyone from HR folks to doctors and Uber drivers can now develop apps based on their ideas.

“Everyone in the world has ideas,” Masad said during the interview. “People build so much domain knowledge about their field of work, but they never could make it into software because they didn’t have the skill or capital.”

For example, Maor Shlomo, the non-technical founder of Base44, used vibe coding to create a no-code development platform. Within six months, it attracted 250,000 users and was acquired in June by website creator Wix for $80 million.

“This new approach allows people to simply express what they want to build, while intelligent agents do the heavy lifting,” Wix said in a statement.

Here’s one way to start, according to CNBC:

Read also: AI Coding Assistants Give Big-Tech Powers to Small Businesses

What Are the Risks?

In practice, vibe coding changes the role of the human from writing every line of code to guiding the AI, validating results and deciding what’s ready for production. This enables SMBs to experiment with new offerings, automate tasks or build internal tools without a large IT budget.

Vibe coding also gives users a faster way to test ideas, cut development costs and give creative teams the ability to build their own solutions. It can give them a competitive edge, letting small players innovate quickly without the overhead that slows down larger firms, Forbes reported Aug. 4.

However, for use in core financial systems, regulated processes or customer-facing platforms that carry legal or financial risks, experienced developers should review the code before launching it, according to the paper, “Vibe Coding as a Reconfiguration of Intent Mediation in Software Development: Definition, Implications and Research Agenda.”

“Black box codebases, ethical and data protection blind spots, and inconsistent documentation undermine auditability and verifiability, posing significant barriers to compliance in regulated sectors such as healthcare and finance,” the paper said.

This speed and accessibility come with trade-offs. AI-generated code can be buggy, not secure, and difficult to maintain if no one fully understands how it works. Also, the technology isn’t yet reliable enough for systems where accuracy, compliance and security are critical, the paper said.

As a result, companies must carefully weigh the risks and rewards of using vibe coding, ensuring it is used for the right use cases to prevent introducing a new risk to the business.

For all PYMNTS AI coverage, subscribe to the daily AI Newsletter.

Read more:

Apple and Anthropic Building AI-Powered Coding Platform

OpenAI Developing AI Agent to Replace Software Engineers, CFO Says

AI Agents’ Rise Promises IT Revolution, but Readiness Questions Remain





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Spain Leads Europe in Adopting AI for Vacation Planning, Study Shows

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Spain records higher adoption of Artificial Intelligence – AI in vacation planning than the European average, according to the 2025 Europ Assistance-Ipsos barometer.

The study finds that 20% of Spanish travelers have used AI-based tools to organize or book their holidays, compared with 16% across Europe.

The research highlights Spain as one of the leading countries in integrating digital tools into travel planning. AI applications are most commonly used for accommodation searches, destination information, and itinerary planning, indicating a shift in how tourists prepare for trips.

Growing Use of AI in Travel

According to the survey, 48% of Spanish travelers using AI rely on it for accommodation recommendations, while 47% use it for information about destinations. Another 37% turn to AI tools for help creating itineraries. The technology is also used for finding activities (33%) and booking platform recommendations (26%).

Looking ahead, the interest in AI continues to grow. The report shows that 26% of Spanish respondents plan to use AI in future travel planning, compared with 21% of Europeans overall. However, 39% of Spanish participants remain undecided about whether they will adopt such tools.

Comparison with European Trends

The survey indicates that Spanish travelers are more proactive than the European average in experimenting with AI for holidays. While adoption is not yet universal, Spain’s figures consistently exceed continental averages, underscoring the country’s readiness to embrace new technologies in tourism.

In Europe as a whole, AI is beginning to make inroads into vacation planning but at a slower pace. The 2025 Europ Assistance-Ipsos barometer suggests that cultural attitudes and awareness of technological solutions may play a role in shaping adoption levels across different countries.

Changing Travel Behaviors

The findings suggest a gradual transformation in how trips are organized. Traditional methods such as guidebooks and personal recommendations are being complemented—and in some cases replaced—by AI-driven suggestions. From streamlining searches for accommodation to tailoring activity options, digital tools are expanding their influence on the traveler experience.

While Spain shows higher-than-average adoption rates, the survey also reflects caution. A significant portion of travelers remain unsure about whether they will use AI in the future, highlighting that trust, familiarity, and data privacy considerations continue to influence behavior.

The Europ Assistance-Ipsos barometer confirms that Spain is emerging as a frontrunner in adopting AI for travel planning, reflecting both a strong appetite for digital solutions and an evolving approach to how holidays are designed and booked.

Photo Credit: ProStockStudio / Shutterstock.com



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NBA star Tristan Thompson is bringing artificial intelligence to basketball fans

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Listen and subscribe to Financial Freestyle on Apple Podcasts, Spotify, or wherever you find your favorite podcasts.

Tristan Thompson is well-recognized for his career in the NBA, having played for teams like the Cleveland Cavaliers, the Boston Celtics, and the Los Angeles Lakers, to name a few. He was even part of the team that earned an NBA championship in 2016. But while Thompson’s basketball reputation precedes him, off the court, he’s focusing on his various entrepreneurial ventures.

When asked by Yahoo Finance’s Financial Freestyle podcast host Ross Mac if he would invest his final dollar in artificial intelligence or the blockchain, Thompson picked the industry that’s already projected to be worth $3.6 trillion by 2034.

“You see what Mark Zuckerberg’s paying for all these AI gurus? So I might go AI,” he said (see the full episode above; listen below).

Thompson has already made AI one of his entrepreneurial ventures with the launch of TracyAI, an artificial intelligence that’s meant to offer real-time NBA analysis and predictive insights.

“Imagine a sports analyst or commentator on steroids,” he explained to Mac. “What I mean by that is having all the high-level analytics that you cannot get from NBA.com and ESPN … the analytics are coming from the professional teams. We have certain data and access to certain companies that only professional sports teams have access to. And I was able to pull that data with my resources and put it into the AI agent.”

Thompson saw the venture as “low-hanging fruit,” as it was one of the few areas he hadn’t yet noticed artificial intelligence being worked into. Though AI is slowly finding its way into the sports industry, TracyAI offers basketball fans access to statistics and projections they may not have had through the typical channels, creating a unique fan experience.

Tristan Thompson of the Cleveland Cavaliers warms up before the game against the Portland Trail Blazers at the Moda Center on March 25, 2025, in Portland, Ore. The Cleveland Cavaliers won 122-111. (Alika Jenner/Getty Images) · Alika Jenner via Getty Images

Though Thompson admitted AI has created some of its own controversies, it’s a venture where he’s ready to invest some of his financial resources to capitalize on the industry’s projected rapid growth.

“For me, it’s like, if [AI is] covering so many sectors, how come it hasn’t got into sports?” Thompson said. “This is an opportunity where I can be a visionary and a pioneer … I’ve always had this grind, build-up mentality, so it just migrated easily into Web3. If you look at Daryl Morey, he said he used AI agents to curate his Sixers roster … that just shows you that’s the first domino effect into something great.”



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No, AI Is Not Better Than a Good Doctor

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Search the internet and you will find countless testimonials of individuals using AI to get diagnoses their doctors missed. And while it is important for individuals to take ownership of their healthcare and use all available resources, it is just as important to understand the process behind an AI diagnosis.

If you ask AI to figure out what ails you based on inputting a series of symptoms, the AI will use mathematical probability to calculate the appropriate sequence of words that would generate the most valuable output given the specific prompt. The AI has no intrinsic or learned understanding of what “body,” “illness,” “pain,” or “disease” mean. Such practically meaningful concepts to humans are, to the bot, just letters encountered in the training set frequently paired with other letters.

New research on AI’s lack of medical reasoning

Recently, a team of researchers set out to investigate whether AIs that achieved near-perfect accuracy on medical benchmarks like MedQA actually reasoned through medical problems or simply exploited statistical patterns in their training data. If doctors and patients more widely rely on AI tools for diagnosis, it becomes critical to understand the capability of AI when faced with novel clinical scenarios.

The researchers took 100 questions from MedQA, a standard dataset of multiple-choice medical questions collected from professional medical board exams, and replaced the original correct answer choice with “None of the other answers.” If the AI was simply pattern-matching to its training data, the change should prove devastating to its accuracy. On the other hand, if there was reasoning behind its answers the negative effect should be minimal.

Sure enough, they found that when an AI was faced with a question that deviates from the familiar answer patterns it was trained on, there was a substantive decline in accuracy, from 80% to 42% accuracy. This is because AI today are still just probability calculators, not artful thinkers.

Artful medical practitioners see, hear, feel, and recognize medical conditions in ways they are often not consciously aware of. While an AI would be thrown off by an unfamiliar description of symptoms, good doctors listen to the specific word choices of patients and try to understand. They appreciate how societal factors can impact health, trusting both their own intuitions and those of the patient. They pay close attention to all the presenting symptoms in an open-minded manner, as opposed to algorithmically placing the patient in a generic diagnostic box.

Healing is more than a single task

And yet, algorithmic supremacists are as confident as ever in their belief that human healthcare providers will be replaced by machines. In 2016, at the Machine Learning and Market for Intelligence Conference in my hometown of Toronto, Geoffrey Hinton took the mic to confidently assert: “If you work as a radiologist, you are like Wile E. Coyote in the cartoon. You’re already over the edge of the cliff, but you haven’t yet looked down … People should stop training radiologists now. It’s just completely obvious that in five years deep learning is going to do better than radiologists.”

Seven years later, well past the five-year deadline, Kevin Fischer, CEO of Open Souls, attacked Hinton’s erroneous AI prediction, explaining how tech boosters home in on a single behavior against some task and then extrapolate broader implications based on that single task alone. The reality is that reducing any job, especially a wildly complex job that requires a decade of training, to a handful of tasks is absurd.

As Fischer explains, radiologists have a 3D world model of the brain and its physical dynamics in their head, which they use when interpreting the results of a scan. An AI tasked with analysis is simply performing 2D pattern recognition. Furthermore, radiologists have a host of grounded models they use to make determinations, and, when they think artfully, one of the most important is whether something “feels” off. A large part of their job is communicating their findings with fellow human physicians. Further, human radiologists need to see only a single example of a rare and obscure condition to both remember it and identify it in the future, unlike algorithms, which struggle with what to do with statistical outliers.

So, by all means, use whatever tools you can access to help your wellness. But be mindful of the difference between a medical calculator and an artful thinker.





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