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Criminals using AI to clone voices and set up direct debits

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Criminals using AI to clone voices and set up direct debits



Criminals are using AI to clone people’s voices and set up unauthorised direct debits over the phone, National Trading Standards (NTS) has warned.

NTS said “advanced” voice cloning was part of an organised criminal operation that appeared to be targeting older people.

Fraudsters began the process by asking victims to participate in a so-called “lifestyle survey” phone call, which was actually designed to gather personal, health and financial details.

The criminals then used this information to create AI-generated voice clones to simulate consent for direct debits.

The voice clones could then be used to set up payments with banks and other legitimate businesses and financial providers without the victim’s knowledge, NTS said.

Victims often did not realise payments were being taken, it warned.

Latest figures from NTS suggests that UK adults now receive an average of seven scam calls or texts per month, with about one in five (21%) receiving them most days and 9% receiving them every day.

NTS said it blocked almost 21 million scam phone calls and shut down 2,000 numbers in a six-month period.

Louise Baxter, head of the NTS scams team, said: “What we’re seeing is a deeply disturbing combination of old and new: traditional phone scams supported by disturbing new techniques.

“Criminals are using AI not just to deceive victims, but to trick legitimate systems into processing fraudulent payments.

“This is no longer just a nuisance – it’s a co-ordinated, sophisticated operation targeting some of the most situationally vulnerable consumers in society.

“We urge everyone to speak to friends and relatives about scam calls, check bank statements regularly and report anything suspicious.”

John Herriman, chief executive at the Chartered Trading Standards Institute (CTSI), said: “This alarming new twist in phone-based fraud shows just how quickly criminals are exploiting emerging technologies to prey on the public.

“Voice cloning takes scam calls to a sinister new level, making it even harder for legitimate businesses and consumers to distinguish real interactions from fraudulent ones.

“Trading Standards teams across the UK are working tirelessly to disrupt these operations but we need the public to stay alert, talk to loved ones about the risks and report anything suspicious.”

Which? consumer law spokeswoman Lisa Webb said: “You shouldn’t have to worry about your own voice being used against you in this way but sadly we’ve reached a stage where every phone call must be treated with suspicion. If you get any calls out of the blue, don’t be afraid to hang up, genuine callers won’t mind.

“If you see any direct debits or transactions on your bank account that you don’t recognise, contact your bank immediately using the number on the back of your card. You should also report any scams to Police Scotland or Report Fraud to investigate.

“It’s also worth making sure you’re registered with the telephone preference service to opt out of unsolicited marketing calls, that way you’ll know that any unexpected marketing or sales calls are either a rogue company or a scammer.”



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Scotland will be left behind unless SNP ends nuclear objection, group warns

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Scotland will be left behind unless SNP ends nuclear objection, group warns



Scotland risks being left behind in the world unless the Government urgently ends its opposition to nuclear energy, a coalition of businesses and campaign groups has warned.

Scotland for Nuclear Energy, launched by campaign groups Nuclear for Scotland and Britain Remade, said Scotland could miss out on jobs and economic growth as other countries invest in new nuclear technology.

While energy is reserved to Westminster, powers over planning has given the SNP an effective veto over nuclear energy – something the party has long opposed but which is backed by Labour and the Tories.

Scotland for Nuclear Energy claimed the country could build on its nuclear heritage to install new nuclear reactors in a move it said would complement, rather than compete with, renewable energy.

Sam Richards, chief executive officer of Britain Remade, said: “Scotland has done brilliantly with renewables, but the wind doesn’t always blow when we need it.

“Nuclear is clean, reliable baseload power that keeps the lights on, stabilises bills and attracts huge investment.

“At a time when countries across Europe are embracing nuclear as a safe, clean and reliable part of the energy mix, the Scottish Government’s refusal to even consider it is deeply irresponsible.

“They should drop their outdated opposition to nuclear power. If they don’t, it will be the people of Scotland that miss out.”

The group said while Scotland still has four registered nuclear sites, only one – Torness nuclear plant – is operation and generating power, providing what it described as “clean power” to two million homes.

It pointed to polling which shows majority support for nuclear energy.

Trudy Morris, chief executive of North Highland Chamber of Commerce, also backed the campaign.

She said: “Here in the north Highlands, we have lived the reality of nuclear energy for decades and the transformative impact of NRS Dounreay on our economy, skills base and communities is impossible to ignore.

“It has supported thousands of high-value jobs, invested in our supply chains and created expertise that continues to benefit the region.

“The chamber supports a mixed energy economy. Renewables are central to Scotland’s future but they work best alongside clean, reliable baseload power.

“With the highest safety standards, nuclear can complement renewables, strengthen energy security, cut emissions and ensure communities like ours continue to share in the economic benefits.”

The Scottish Campaign to Resist the Atomic Menace said nuclear energy was a “distraction”.

Pete Roche, spokesman for the group, said: “As renewable energy-rich Scotland heads towards an election, it is all too predictable that nuclear lobbyists are again arguing that Scotland needs new nuclear power stations.

“They misleadingly present them as cheap, clean and ‘green’ – yet this is as far from the truth as it was 70 years ago when it was promised that nuclear energy would be ‘too cheap to meter’.

“An energy system built around renewables is already happening. Meeting all our needs this way is not just possible but it’s quicker and cheaper without the costly distraction of new nuclear.

“Low-cost renewable energy combined with storage, flexible power to balance the grid and smart local energy systems will make the best use of our incredible renewable resources and engineering know-how.

“Why dilute that by backing eye-wateringly expensive nuclear power stations?”

The Scottish Government has been approached for comment.



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Eli Lilly’s GLP-1 growth is only getting started as Novo Nordisk braces for a decline in 2026

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Eli Lilly’s GLP-1 growth is only getting started as Novo Nordisk braces for a decline in 2026


The Eli Lilly and Novo Nordisk logos.

Mike Blake | Tom Little | Reuters

It’s a tale of two drugmakers in the red-hot obesity drug market. 

Both Novo Nordisk and Eli Lilly are grappling with lower prices in the U.S., but their 2026 outlooks are diverging sharply: While Novo is bracing for a sales decline, Lilly sees revenue jumping again thanks to its blockbuster medicines. 

The split in guidance – despite similar headwinds – underscores the strength of Lilly’s position in the obesity and diabetes drug market, underpinned by its more effective injections and early foray into direct-to-consumer sales, among other factors. While Novo Nordisk effectively made the drugs mainstream, Lilly has since taken a clear edge in market share — and the forecasts show it will likely only extend its advantage this year.

“The difference in sales momentum and market share trend was visible throughout 2025, but the dichotomy between the two companies’ prospects was accentuated within this 24-hour period in which Novo guided below consensus and Lilly guided above consensus expectations,”  Leerink Partners analyst David Risinger told CNBC on Wednesday. 

“That really solidified an investor’s mind that Lilly is going to be the dominant player in obesity going forward,” he added. 

This year, all eyes will be on how Lilly’s upcoming obesity pill, orforglipron, fares against Novo’s own oral Wegovy drug, which has had an explosive U.S. launch this year.

In an interview on CNBC’s “Squawk Box” on Wednesday, Lilly CEO Dave Ricks said 20 million to 25 million patients are currently taking both companies’ medicines. But he said the total addressable market of patients in the obesity space is “gigantic.” 

Diverging outlooks

On Wednesday, Lilly forecasted 2026 sales of $80 billion to $83 billion, surpassing the $77.62 billion that analysts were expecting, according to LSEG. 

The midpoint of that outlook translates to sales growing by 25% this year.

In contrast, Novo warned on Tuesday that it sees sales and profit declining by 5% to 13% this year, as prices fall in the U.S. and exclusivity expires for its blockbuster obesity and diabetes drugs in China, Brazil and Canada. 

(L/R) Maziar Mike Doustdar, CEO of Novo Nordisk, and David Ricks, CEO of Eli Lilly, listen as US President Donald Trump speaks in the Oval Office during an event about weight-loss drugs at the White House in Washington, DC on November 6, 2025.

Andrew Caballero-Reynolds | Afp | Getty Images

Lilly similarly pointed to a “global pricing decline in the low- to mid- teens [percentages] this year.” That comes after the landmark “most favored nation” deals both companies struck with President Donald Trump in November to slash obesity and diabetes drug costs, along with their recent efforts to further reduce direct-to-consumer prices for their treatments. 

The agreements with Trump are expected to take a bite out of both companies’ sales, but eventually increase volumes of prescriptions for their drugs. Still, Lilly is bullish about other factors that will help offset that pricing pressure. 

That includes continued worldwide demand for its obesity drug Zepbound and diabetes counterpart Mounjaro and the expected launch of its GLP-1 pill for obesity in the second quarter, pending U.S. approval. Lilly also pointed to government Medicare coverage of obesity treatments starting for the first time by at least July, one of the winning features of the drug pricing deals with Trump. 

Lilly’s Ricks told CNBC that coverage will open up access to 40 million new Medicare beneficiaries, “and that could be quite expansive to volume.”

Overall, Risinger called Lilly’s guidance “very encouraging” and said the “price per volume trade-off is playing out well” for the company.

He said tirzepatide, the active ingredient in Zepbound and Mounjaro, is “superior” in its effectiveness and tolerability compared to semaglutide, the ingredient in Novo’s obesity and diabetes drugs. That was proven in a head-to-head clinical trial conducted by Lilly in 2024, and prescription trends show that the company’s drugs are preferred among prescribers.  

“I think that’s what is driving Lilly’s market share gain” relative to Novo, Risinger said. 

Another factor that sets Lilly and Novo apart is patent exclusivity. While Novo said expiring patents in some international markets pose a challenge, Lilly’s Ricks said tirzepatide should be protected into “the back half of the 2030s” in major markets. 

Risinger noted that Lilly is still working to drive global uptake for tirzepatide, which won U.S. approval for obesity in 2023. 

All eyes on pills

A pharmacist displays a box of Wegovy pills at a pharmacy in Provo, Utah, Jan. 15, 2026.

George Frey | Bloomberg | Getty Images

Novo Nordisk is first to market with a GLP-1 pill for obesity, and it already hit 50,000 weekly prescriptions in just under three weeks of its launch. But investors are watching to see how that shifts once Lilly’s pill rolls out to patients later this year. 

In an interview with CNBC’s “Mad Money,” Novo CEO Mike Doustdar said he’s confident about the company’s ability to compete with Lilly. 

“Clearly we have the most efficacious weight reduction pill that there is and I’m very optimistic and bullish on when they come with their pill and we have to battle this out,” Doustdar said. 

He’s referring to clinical trial data suggesting that Novo’s Wegovy pill promotes comparable weight loss to its injectable counterpart, which is around 15%. Meanwhile, Lilly’s pill appears to be slightly less effective than that, based on separate study data. 

Risinger said the launch of Novo’s pill has benefited from the fact that the company is leveraging the Wegovy brand name, which is recognizable by many patients, and immediately launched direct-to-consumer advertising for the product in early January. 

But he said Lilly could capitalize on its pill’s convenience advantage. 

Orforglipron is a small-molecule drug that is absorbed more easily in the body and doesn’t require dietary restrictions like Novo Nordisk’s pill, which is a peptide medication. Patients are supposed to drink no more than four ounces of water with the Wegovy pill and must wait 30 minutes before eating or drinking anything else each day. 

Novo contends that those requirements won’t hinder uptake, but Risinger said it could help Lilly’s pill eventually generate greater sales globally. 



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Sainsbury’s the latest retailer to launch high protein and ‘nutrient rich’ meals

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Sainsbury’s the latest retailer to launch high protein and ‘nutrient rich’ meals



Sainsbury’s has launched a range of high protein and “nutrient rich” meals as supermarkets rush to meet soaring demand from customers on weight loss jabs.

The UK’s second-biggest supermarket chain said the new “small but mighty” range had been designed to be “perfectly portioned to support customers with reduced appetites” and meet their protein and fibre requirements.

Each meal contains fewer than 350 calories while being a source of fibre, containing at least 20g of protein and counting towards one of the “five-a-day” portions of fruit and vegetables.

Sainsbury’s said online searches for “high protein” were up 57% year on year and searches for “high protein ready meals” had increased by 300% as it also launched 19 products to meet demand.

The range includes a pesto chicken tortiglioni containing 35g of protein and a beef bolognese tagliatelle containing 33g.

Other products include high protein wraps, salads and sandwiches, porridge pots, cereals and natural yoghurts.

In February, the supermarket will also launch a selection of high protein bakery items including tortilla wraps, flatbreads and buttermilk pancakes.

James Campbell, Sainsbury’s director of fresh product innovation, said: “We understand people have different nutritional needs, appetites and tastes, and that continues to guide how we develop our products.”

Sainsbury’s follows retailers including Ocado, Marks & Spencer, Waitrose and Greggs in advertising new ranges catering for those taking GLP-1 drugs.



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