Apple has rolled out iOS 18.1, delivering a range of highly anticipated features aimed at enhancing user experience on iPhones. A highlight of the update is the new call recording feature, meeting one of users’ most requested enhancements. Now, iPhone users can easily record phone calls with an added layer of convenience from Apple Intelligence, which offers real-time transcription during calls.

How to Enable Call Recording

To enable call recording, users need to update their device to iOS 18.1 via Settings > Software Update. Once updated, recording a call is straightforward:

1. Start or answer a call.
2. Tap the record button in the top left corner during an active call.
3. A notification will alert all participants that the call is being recorded, ensuring transparency.

Recordings are automatically saved in the Voice Notes app, where users can access them anytime. Additionally, Apple Intelligence provides a real-time transcription and a summary of key points discussed during the call, making it easier to revisit important parts without replaying the entire recording. This transcription feature supports multiple languages, including English, Spanish, French, German, Japanese, Mandarin, Cantonese, and Portuguese.

Apple Intelligence: AI-Powered Tools

In addition to call recording, iOS 18.1 introduces Apple Intelligence, a suite of AI-powered tools designed to simplify and enhance user interactions. One of these tools is the Writing Assistant, which offers users editing and rewriting options for messages, emails, and notes. With tone adjustment options—ranging from professional to casual—the Writing Assistant makes creating well-crafted communications faster and easier.

Siri Enhancements

Siri also receives a major upgrade in this update, improving its conversational abilities with a new interface and the capability to follow up on previous commands for a more seamless interaction. Users can switch effortlessly between voice and text commands, allowing for flexible use across all Apple devices, including CarPlay, making it especially convenient for hands-free tasks.

Additional Features

Enhanced Writing and Photo Tools

New AI-powered writing tools help users rewrite, proofread, and summarize messages and emails within the app, saving time and enhancing productivity. These updates streamline communication whether users are crafting emails or texting on the go.

The Photos app also sees significant updates. The new “Clean Up” feature enables users to remove unwanted elements from photos with a single tap. Additionally, users can search their photo libraries by describing the content within images.

Focus Mode and Smart Notifications

The Reduce Interruptions Focus mode employs AI to filter notifications, only alerting users to high-priority messages. This feature bundles less important alerts into a summary view, helping users quickly catch up on essentials without distraction.

Health and Accessibility Enhancements for AirPods

With iOS 18.1, Apple has added new accessibility and health-focused tools to AirPods. Users can now conduct a hearing test directly from their AirPods, receiving clinically validated insights. The AirPods Pro 2 includes a new Hearing Aid feature for mild to moderate hearing loss, while Hearing Protection mode automatically reduces exposure to loud sounds in noisy environments—aligning with Apple’s focus on health and inclusivity.

Streamlined User Interface and Bug Fixes

Alongside these major updates, Apple has made several minor adjustments:

• Control Centre now allows for easier connectivity settings.
• App Store searches respond to natural language.
• The Notes app can transcribe live calls.

Apple also addressed known bugs, enhancing podcast functionality, video playback, and digital car key reliability.

Limited Availability of AI Features

While iOS 18.1 is available globally to compatible devices, some AI features within Apple Intelligence are initially limited to U.S. English. Apple has implemented a virtual queue for activating these features, suggesting they are being gradually rolled out to optimize performance and accessibility.

Conclusion

With iOS 18.1, Apple has introduced meaningful upgrades that strengthen the iPhone’s AI capabilities while addressing user demands for call recording. This release represents Apple’s ongoing commitment to providing intuitive and powerful tools that make everyday tasks smoother and more efficient.

As consumers begin to explore these new capabilities, it will be interesting to see how well they are received and whether they significantly impact user engagement within Apple’s ecosystem in an increasingly competitive market for AI-driven functionalities.

Alphabet, Google’s parent company, is projected to report its slowest revenue growth in four quarters on Tuesday, primarily due to heightened competition impacting its core Google Search business and dampening YouTube ad spending. This anticipated slowdown in these key segments is likely to overshadow growth from its cloud-computing unit, which has seen AI-driven gains this quarter. The quarter also marks the first since Anat Ashkenazi succeeded Ruth Porat as Alphabet’s Chief Financial Officer, a role she assumed amidst intensified scrutiny and competitive pressures.

Competitive Landscape

Google’s established dominance in digital advertising is facing new challenges from companies like Amazon and TikTok, which have increasingly attracted advertisers looking to engage large, ready-to-buy audiences. Analysts predict that Google Search and other related revenues will grow by 11.6% in the third quarter, a decrease from 13.8% growth in Q2, according to Visible Alpha data.

Additionally, new entrants like Perplexity AI and ChatGPT are gaining traction in search through generative AI, raising concerns that Google’s perceived slow response to these developments could further disrupt its market stronghold. Analysts at MoffettNathanson anticipate significant changes in Google’s ability to retain its exclusive search advantage on Apple and Android devices in the U.S.

Market Share Dynamics

A recent report from eMarketer indicates that Google’s share of U.S. search ad revenue could fall below 50% next year for the first time in 18 years. Amazon’s share is expected to climb to 24%, while other generative AI players continue to attract advertising dollars. In response, Google has started integrating ads into AI-generated summaries at the top of search results, a strategy analysts believe could help maintain its competitive edge.

Financial Performance

Alphabet’s stock experienced a nearly 9% drop in the three months leading to September, marking its largest quarterly decline since Q3 of 2022. However, it remains up by 17% for the year. Analysts estimate Alphabet’s overall Q3 revenue to have grown by 12.6% to $86.31 billion, slightly below the 13.6% growth seen in the prior quarter.

YouTube’s Revenue Challenges

YouTube has also felt the impact of advertisers shifting budgets toward ad-supported streaming services such as Netflix and Amazon Prime Video. YouTube’s revenue likely grew by 11.5% in Q3, down from a 13% increase in Q2. However, analysts at Truist suggest that YouTube, particularly YouTube TV, may have benefited from increased political ad spending during this quarter.

Bright Spots: Google Cloud

A bright spot for Alphabet remains Google Cloud, which is expected to achieve a 29.2% growth rate, marking the largest jump in seven quarters as companies invest more heavily in its AI offerings, including the Vertex AI platform that allows customers to leverage Google’s AI models or develop custom solutions. Alphabet has flagged higher capital expenditures this year as it expands its AI capabilities.

Cost Management Focus

With Ashkenazi now at the helm as CFO, there is an added focus on cost management amid rising competition. Analysts speculate about the possibility of further cost-cutting measures beyond Alphabet’s limited layoffs planned for 2024. The financial community will closely watch Ashkenazi’s strategies to contain rising expenses while maintaining competitive AI investments in the upcoming quarters.

Conclusion

As Alphabet prepares for its quarterly earnings report, the anticipated slowdown in revenue growth highlights the challenges it faces from increasing competition and shifting advertiser preferences. While Google Cloud shows promising growth driven by AI demand, Alphabet must navigate these pressures carefully to maintain its position as a leader in digital advertising and cloud computing.

The upcoming financial results will provide critical insights into how effectively Alphabet is adapting to these challenges and whether its strategies under new leadership can sustain long-term growth amidst a rapidly evolving tech landscape.

In a major consolidation for India’s insurance distribution sector, Gurugram-based InsuranceDekho is in advanced talks to acquire its rival, RenewBuy, in a predominantly share-swap deal. The transaction values RenewBuy at approximately $350 million, while InsuranceDekho is valued at around $600 million, bringing the combined entity’s worth close to $1 billion, according to insiders familiar with the matter.

Deal Structure and Valuation

The deal structure will see RenewBuy’s investors receive shares in InsuranceDekho proportional to each company’s valuation. Major backers of RenewBuy, including Dai-ichi Life Holdings, Apis Growth, Lok Capital, and IIFL Asset Management, are expected to exchange shares, though some early investors may seek partial or full exits through secondary sales.

Merging Agent Networks

Both companies plan to merge their extensive agent networks, creating one of India’s largest Point of Sales Person (PoSP) networks for selling insurance products across health, life, motor, and term sectors. Balachander Sekhar, CEO of RenewBuy, will join forces with Ankit Agrawal, CEO of InsuranceDekho, to lead the newly formed entity.

Market Context

The acquisition arrives amidst growing competition in India’s insurance distribution landscape, as players like PolicyBazaar-backed PB Partners, Nexus Ventures-backed Turtlemint, and RenewBuy strive for market share. InsuranceDekho, which spun out from CarDekho, is actively expanding its field agent network, which reached 1,10,000 agents in 2023 and recently announced intentions to double it over the coming year.

Financial Performance

The company, backed by major investors like Mitsubishi UFJ Financial Group, TVS Capital, and Goldman Sachs, reported a net revenue of ₹100 crore for the financial year 2023, though it posted a net loss of ₹51.6 crore. This acquisition is seen as strategically beneficial for InsuranceDekho, strengthening its physical distribution reach and bolstering its market position against competitors like PolicyBazaar, which is aggressively expanding its share.

Strategic Implications

The merger is expected to create synergies that enhance operational efficiencies and improve customer service capabilities. By combining resources and expertise, the new entity aims to better navigate the competitive landscape and capitalize on the growing demand for insurance products in India.

Future Prospects

As the insurance sector in India continues to evolve—projected to grow significantly in the coming years—the combined strengths of InsuranceDekho and RenewBuy could position them favorably against larger competitors. The merger may also attract further investment opportunities as they look to expand their market presence.

Conclusion

The potential acquisition of RenewBuy by InsuranceDekho represents a significant shift in India’s insurance distribution sector. By merging their operations and leveraging their combined agent networks, both companies aim to enhance their service offerings and strengthen their market positions.

As this deal progresses, it will be crucial for both parties to navigate regulatory approvals and integrate their operations effectively. The outcome could redefine how insurance products are marketed and sold in India, ultimately benefiting consumers through improved access and service quality.