Author: sHq_LoGiNz

Originally published on CVS Health Company Newsroom

• Majority of respondents believe that low digital literacy is having a negative impact on their ability to manage their health
• CVS Health continues to launch innovative digital offerings to help members access care, as part of its $20 billion technology investment, announced in 2025

WOONSOCKET, R.I., June 2, 2026 /3BL/ – CVS Health® (NYSE: CVS), released “Navigating the Digital Health Literacy Gap,” a research-based white paper revealing a significant gap between older Americans’ current ability to navigate digital health tools and their interest and openness to learning more. These findings come at a crucial time as health care undergoes a profound transformation fueled by AI just as all baby boomers will be age 65 and older and are set to comprise one in five Americans by 2030^*.

Key findings of the survey include:

• 58% state that low digital health literacy is negatively impacting their health management.
• Across four key areas – navigation, knowledge, access, and trust – navigation emerged as the most significant barrier, with 85% of respondents reporting challenges understanding how to use digital health platforms effectively.
• Yet, despite this challenge, 86% of older Americans are open to engaging with digital health tools.
• And 71% of respondents reported an eagerness to engage more with digital health care tools.

“We’re caring for the fastest growing and most clinically complex population in the country, and what we found in the research challenges a common assumption—older adults actually are more open to engaging with technology than many think,” said Dr. Benjamin Kornitzer, Senior Vice President and Chief Medical Officer of Aetna. “It creates a real opportunity to meet them where they are and provide day to day support, whether it’s managing medications, following up after a visit, or staying on track with chronic conditions. Technology and engagement can help them live healthier, more independent lives.”

A growing population with complex needs

The need for accessible digital health solutions is becoming increasingly urgent. In addition to becoming one of the largest demographics by 2030, CVS Health’s research found that Medicare respondents report an average of more than three health conditions, highlighting the importance of tools that support ongoing care management. At the same time, digital engagement helps improve access to care – from scheduling appointments to managing prescriptions and navigating benefits.

The opportunity: designing for older Americans

The research makes clear that the issue is not willingness, but usability. Older Americans are ready to adopt digital health tools when they are designed with their needs in mind and paired with the right level of support.

• More intuitive self-service: We’re enabling CVS Pharmacy customers to initiate self-check-in, schedule appointments, see pharmacy rewards, and provide additional information via intuitive prompts to help expedite prescription pickup and pharmacy care.
• Personalized digital care tools: CVS Health launched Care Paths to provide more personalized, timely guidance within digital channels. These capabilities help members better understand care options and next steps, supporting a more intuitive experience.
• Community-based support: Oak Street Health offers classes on “Smartphone Basics” in their community rooms, and computer/internet access for those who may not have it at home.

The white paper is based on comprehensive research by CVS Health including surveys, interviews, and ethnographic studies of Medicare-eligible consumers across the United States. To learn more: Navigating the Digital Health Literacy Gap.

^*According the U.S. Census Bureau

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About CVS Health

CVS Health is a leading health solutions company simplifying health care one person, one family and one community at a time. As of March 31, 2026, the Company had approximately 9,000 retail pharmacy locations, more than 1,000 walk-in and primary care medical clinics and a leading pharmacy benefits manager with approximately 88 million plan members. The Company also serves an estimated more than 37 million people through a broad range of health insurance products and related services. The Company’s integrated model uses personalized, technology driven services to connect people to simply better health, increasing access to quality care, delivering better outcomes, and lowering overall costs.

Media contact

David Whitrap
David.Whitrap@CVSHealth.com
857-523-1219

Read on the Cisco Blog

AI is no longer just a technology wave; it is the operating system of our modern economy. Yet, across industries, academia, and geographies, one pattern is increasingly clear: organizations that invest in AI tools alone will underperform, while those that combine AI adoption with systematic skills development will pull ahead.

Infrastructure alone is a stranded asset. The true engine of innovation is the person behind the screen. As AI evolves into Connected Intelligence, where humans and AI agents work side-by-side, the most significant risk we face is not the technology itself, but the readiness gap.

I have a front-row seat to this transformation as the Vice President of Operations for Cisco’s Digital Impact Office, where I dedicate my career to bridging the gap between cutting-edge technology and the people who will shape our future. My work is driven by a firm belief: technology is only as powerful as the minds behind it, and our true success lies in fostering ecosystems where innovation and human potential converge.

Investing in AI without investing in people is like building a plane with no one trained to fly it.

The skills gap is the new system downtime. In the early phases of digital transformation, competitive advantage came from deploying new platforms: cloud, mobility, and data analytics. AI changes the equation.

But AI alone does not create value. AI combined with human skills does.

Here is a statistic that should keep every technology leader awake: 90% of enterprises have an AI strategy, but fewer than 15% have a workforce trained to execute it. This is not a technology problem; it is a leadership gap, and it becomes more expensive every quarter it goes unaddressed. And there’s more data where that came from:

• 90% of global ICT roles face AI disruption.
• 50% of workers globally need to reskill or upskill for the AI economy.
• 87% of Cisco Networking Academy instructors see AI as critical to teach, yet only 10% feel ready.

Building capability today is not about sending people to a training seminar once a year. It is about integrated learning ecosystems that evolve as fast as technology itself. Organizations that adopt this mindset also address one of the most underestimated barriers to AI adoption: resistance to change. Familiarity breeds confidence, and confidence turns a skeptic into an advocate.

The gap that should worry every leader is not the one between humans and machines. It is the one between having an AI strategy on paper and having the people to carry it out.

Putting AI to work for society

Participants in the DTlab Academy in Naples, Italy.

Cisco Networking Academy has reached 28 million learners across 195 countries, many in regions where a career in technology was previously out of reach.

In my experience, this program truly unlocks the potential of every participant, regardless of their academic or professional background. I have witnessed this firsthand through the Cisco DTlab, a specialized academy we host in Naples. Each year, 20 of Italy’s brightest minds come together for intensive training in networking — the essential foundation of AI.

The initiative’s ultimate goal is to bridge the gap between education and industry, enabling these talents to collaborate on pilot projects with Cisco customers and partners. By fostering an environment where innovation thrives, we empower these individuals to master the latest technologies and apply their skills to real-world challenges.

Cisco Networking Academy’s curriculum keeps pace with the industry as it exists today, not where it was five years ago. Professionals who once mastered routing protocols now need to master prompt engineering, agentic AI workflows, and responsible AI governance. The job has changed, and the urgency to support people through that transition has never been higher.

Cisco has committed to training one million Americans in AI skills over four years and 1.5 million Europeans by 2030, including 5,000 new instructors under the EU’s Union of Skills initiative. These commitments reflect Cisco’s belief that an AI economy only works if the workforce can participate in it.

Investing in the core

A presentation connected to our partnership in Greece.

Whether co-investing with governments to build AI-ready data centers in the Middle East, supporting smart territories in Europe and Africa, or uplifting underserved communities in the Americas, the goal of our Country Digital Acceleration (CDA) projects are the same: to provide the foundation for mission-critical services.

Consider our latest initiative in Greece, where we have partnered with the Institute of Applied Biosciences (INAB/CERTH) and Papageorgiou Hospital to establish a transformative AI-driven health ecosystem. By deploying a high-performance AI infrastructure, an “AI Pod,” this project enables the secure, large-scale processing of over 1.4 million patient records. This initiative bridges the gap between clinical research and real-world patient care, accelerating research cycles and empowering the Ministry of Health with actionable, data-driven insights. By strengthening national digital sovereignty and ensuring alignment with EU research frameworks, this project is positioning Greece as a premier hub for clinical innovation, ultimately leading to faster diagnostics and more personalized treatments for patients.

When we invest in infrastructure (the CDA model) and pair it with learning (the Cisco Networking Academy model), we do more than innovate. We build trust and resilience. We live our Purpose to Power an Inclusive Future for All, helping technology serve everyone, not just a few.

Stop separating tech spend from human purpose

Every technology initiative I review comes down to one question: Who benefits, and how broadly? It demands that we look beyond ROI and ask whether the value being created will spread to the workers navigating disruption, to the communities building around new industries, and to the students in markets where opportunity has been scarce.

To my peers and partners, I offer this guidance: We must stop viewing innovation and social impact as separate objectives. When we align our innovation strategy with our purpose, we ensure that digital progress serves everyone:

• Invest in the machine but neglect the mind: You gain speed without direction.
• Train the mind but starve the machine: You gain vision without the power to act.

The investments that survive market shifts and technology generations start with silicon and software, but they are scaled by human potential. In a world where speed is our competitive advantage, the leaders who will define the next decade are those who don’t just innovate they are the ones who empower everyone around them to innovate, too.

By Mastercard Research Center

Article at a glance

• Gen Z’s relationship with money is cautious and control‑oriented—debit‑first behavior, preference for low/transparent fees, and aversion to hidden terms. (Mastercard internal Gen Z research; PYMNTS 2025) 
• Digital behaviors dominate discovery and checkout: social and mobile drive influence, while wallets and BNPL adoption are rising among Gen Z. (Mastercard internal; PYMNTS 2025; J.D. Power / Payments Dive 2025) 
• Information abundance ≠ financial confidence: parents and social remain key teaching nodes, but embedded, contextual education at the point of decision is what moves the needle. (Mastercard internal; MarketWatch 2025; Spruce/H&R Block 2025) 
• Trust is evaluated, not assumed: banks retain a trust edge on complex needs, while fintechs win on UX; younger customers expect transparency and supportive guardrails. (Mastercard internal; YouGov 2025; J.D. Power 2025)

Setting the stage: a pragmatic, digital‑first cohort

Gen Z came of age with volatility and screens. Their outlook blends digital fluency with financial caution: they want clarity, control, and immediacy—without downside surprises. They increasingly use mobile wallets, tap‑to‑pay, and BNPL at the margin, yet default to debit for everyday spend, reinforcing a live‑within‑means mindset.

Unlimited information, limited confidence—how Gen Z learns

• Primary early sources: parents, then peers and social; however, reliance on short‑form content leaves gaps on core concepts (APR, billing cycles, credit scores).
• What works: bite‑size, visual, gamified, and contextual explanations triggered inside the product experience (e.g., explain APR at application; simulate score impact before confirming).

Trust is earned through transparency and support

• Gen Z expects full fee transparency, no‑surprise terms, and human help at high‑stakes moments.
• Traditional banks retain trust for complex needs; fintechs/neobanks win on ease and self‑service—Gen Z wants both in one partner.

What “good” looks like in products

• Debit‑first daily spend; digital wallets for speed; no‑fee accounts; tangible, instant rewards (cashback/discounts) that don’t require extra spend.
• Credit as a tool, not a lifestyle: build credit safely with clear guardrails, on‑time rewards, and proactive education.
• Buy Now Pay Later (BNPL): valued for flexibility; mitigate risks via spend caps, repayment nudges, and visibility across obligations.

Engagement playbook: from messaging to alignment

• Tone & language: clear, direct, jargon‑free; disclose trade‑offs up front.
• Channels: in‑app notifications + social, anchored by useful content (how‑tos, calculators, explainers).
• Design: mobile‑first flows, frictionless onboarding, spending controls and savings goals visible by default.
• Education: embedded, gamified modules tailored to maturity; reward progress.
• Support: 24/7 digital self‑serve + escalation to humans for complex events.

Sources
PYMNTS 2025 — debit/wallets/BNPL among Gen Z

J.D. Power / Payments Dive 2025 — BNPL holiday use by Gen Z

MarketWatch 2025 — financial literacy by generation

Spruce / H&R Block 2025 — social media influence on Gen Z money

YouGov 2025 — what Gen Z wants from banks

Interested in reading the full report?

Click here to sign-up

FAQs about Gen Z

Do Gen Z prefer debit over credit?

Multiple studies and our research show debit‑first behavior for everyday spend, with rapid adoption of mobile wallets; credit remains important for building history.

Is BNPL a must‑have for Gen Z?

Usage spikes in seasonal periods and certain categories. If offered, ensure clear terms, spend visibility and repayment nudges to prevent over‑extension.

Where should financial education live?

Inside the product experience—contextual, just‑in‑time prompts outperform static content for confidence and comprehension.

Continue reading here

Follow along Mastercard’s journey to connect and power an inclusive, digital economy that benefits everyone, everywhere.
 

EMERYVILLE, Calif., and LEIDEN, NL, June 2, 2026 /3BL/ – SCS Global Services and 123Carbon today announced that SCS will serve as an independent assurance provider on the 123Carbon platform — ensuring third-party verification of emissions-reduction data before Environmental Attribute Certificates (EACs) are issued and allocated to various supply chain partners, allowing them to reduce Scope 3 emissions. This allocation is typically done through chain-of-custody models such as Book and Claim.

Key Takeaways

• SCS joins 123Carbon as an independent assurance provider for verified EACs across several hard-to-abate sectors such as transportation, concrete and cement, steel and chemicals.
• Every certificate is blockchain-backed, tamper-proof, and independently verified before it’s issued — no double counting, no guesswork
• Companies can use EAC certificates confidently in ESG reporting and Scope 3 accounting

Under the agreement, SCS will independently verify the underlying data that supports certificate issuance on the 123Carbon platform and ensure alignment with global accounting standards. Assurance statements are uploaded directly into the platform, creating a seamless, audit-ready record for companies relying on carbon insetting to meet their Scope 3 reporting obligations.

Two Strengths. One Trusted Solution.

Book and Claim is scaling rapidly within the transportation sector (Air, Road, Marine, Rail) and is now being introduced into other hard-to-abate sectors. However, the adoption of Book and Claim depends on trust, transparency and integrity. The collaboration between SCS and123Carbon ensures this trust by delivering third party verification on an independent platform.

123Carbon handles the certificate side: its platform issues, tracks, and allocates emissions-reduction certificates. Within transportation, 123Carbon covers all transport modes, such as aviation, marine, road and rail. Every certificate is recorded on a blockchain, which means it can’t be altered or claimed twice. Each one also comes with a detailed record of how the emissions reduction was calculated and documented, so buyers know exactly what they’re getting.

SCS handles the verification side: independent, third-party confirmation that the emissions reductions behind each certificate are real, correctly calculated, and backed by evidence. SCS has been verifying greenhouse gas data for more than 15 years — completing hundreds of verifications for organizations of all sizes, including some of the largest Fortune 500 companies across aviation, manufacturing, retail, and technology. SCS has recently also been recognized by Smart Freight Centre as a verification body for their global Market Based Measures methodology, a leading Book and Claim methodology within transportation.

Don Scott, Director of Biofuels Policy at SCS Global Services says, “Book and Claim works when there is credible verification. That’s what SCS brings to the 123Carbon platform, delivering a seamless solution for the market.”

The turnkey system gives shippers, carriers, and brands credible claims they can use in ESG reports, CDP disclosure, and Scope 3 accounting with confidence. The market also expects that both SBTi and GHG Protocol will provide guidance soon on how to include these EACs into emissions reporting and how they can contribute to a company’s Scope 3 goals.

Jeroen van Heiningen, Managing Director at 123Carbon states, “We are very pleased to add SCS Global Services to our list of external verifiers. They have a great presence in several key regions such as the United States, can support our platform users with their expertise across several industries and are a recognized verification body in transportation, which is our key market.”

About 123Carbon

123Carbon was founded to accelerate the decarbonisation of hard-to-abate sectors using Market Based instruments. Developed collaboratively with the industry, for the industry, 123Carbon’s platform is an independent, integrated platform, empowering organisations to issue externally verified Environmental Attribute Certificates (EAC’s), which can be allocated to downstream supply chain partners through chain-of-custody models like Book & Claim. These EAC’s can subsequently be used to mitigate a company’s scope 3 reductions. 123Carbon is globally recognized as a leading platform within multi-modal transportation and is also active in other hard-to-abate sectors like steel, cement and chemicals. For more information, please contact us at info@123carbon.com.

About SCS Global Services

SCS Global Services is an international leader in third-party environmental and sustainability verification, certification, auditing, testing, and standards development. Its programs span a cross-section of industries, recognizing achievements in climate mitigation, green building, product manufacturing, food and agriculture, forestry, consumer products, and more. Headquartered in Emeryville, California and celebrating over 40 years in business, SCS has representatives and affiliate offices throughout the Americas, Asia/Pacific, Europe, and Africa. Its broad network of auditors are experts in their fields, and the company is a trusted partner to companies, agencies, and advocacy organizations due to its dedication to quality and professionalism. SCS is a chartered Benefit Corporation, reflecting its commitment to socially and environmentally responsible business practices. SCS is also a Participant of the United Nations Global Compact and adheres to its principles-based approach to responsible business. For more information, visit www.SCSGlobalServices.com.