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Flexibility Was The Promise. The Infinite Workday Is The Reality.

Flexibility Was The Promise. The Infinite Workday Is The Reality.

Forbes5 hours ago

Flexibility was supposed to help—so why did the workday become infinite?
We used to know when the workday started. And when it ended.
Now? Not so much.
According to Microsoft's latest Work Trend Index Special Report: Breaking Down the Infinite Workday, 40% of employees are already online by 6 a.m. A third are still answering emails at 10 p.m. And one in five is working on weekends.
This isn't a policy. It's not a leadership choice. It's not even necessarily intentional.
It's just what's happening.
We unhooked work from the office. In the process, we unhooked it from time.
The data shows we've gained something valuable—flexibility over where and when we work. But without clear norms or personal guardrails, that freedom has stretched across the entire day. Instead of working in ways that fit our lives, too many of us are working all the time—and often on the wrong things.
Alexia Cambon, Head of Research for Copilot and the Future of Work at Microsoft, captured this moment perfectly when she joined me on The Future of Less Work podcast:
We now live in an infinite workday. Not because we lack flexibility, but because we haven't yet learned how to use it in ways that truly serve us.
What makes this even harder is that work isn't just longer—it's faster.
Email starts the day, but by 8 a.m., real-time chat takes over and the tempo accelerates. Microsoft found that the average worker now receives 117 emails and 153 Teams chats every day. Mass messages are up. One-on-one threads are down.
Flexibility has opened the door for asynchronous work. But without clarity on expectations, it's also created a culture of immediate response. Everyone works on their own schedule, yet somehow, everyone expects everyone else to be instantly available.
We're not just working longer hours—we're working in a constant state of interruption.
Somewhere along the way, we forgot how to protect our attention.
Because if flexibility really worked the way we imagined, we'd be using our best hours for our best thinking. But the data tells a different story. At 11 a.m., during what should be peak mental clarity, meetings, messages, and app-switching all spike. Workers are interrupted every two minutes.
We've unintentionally allowed our most productive hours to be consumed by reactive coordination. Focus hasn't disappeared—it's just been displaced by a culture of urgency.
And nowhere is that urgency more visible than in how we meet. Meetings were already a pain point in many organizations even before Covid. Back then, calendar and conference room capacity governed meeting planning. Now that digital tools have removed those limits, we simply add everyone—and move even faster.
Microsoft found that more than half of meetings are unplanned, 10% are scheduled last-minute, and large meetings with 65+ people are rising fastest. We often talk about meetings as a coordination problem—but what's really breaking us is the last-minute culture that surrounds them. As Cambon put it during our conversation:
The result? We spend our most valuable hours in meetings we didn't plan, reacting to decisions we didn't make, with barely any time to think.
We see the result in the third work peak of the triple peak day, which is no longer a pandemic-era glitch. Evening meetings are up 16%, and a third of workers return to email after 10 p.m. Document activity (Word, Excel, PowerPoint) spikes on weekends—when the noise dies down and people finally find time to think.
Flexibility, once a promise of balance, now too often means always being available. And when everyone works on their own rhythm—but still expects immediate response—the result is a system with no real off switch. Without rest. Without recovery.
This is the moment when many turn to AI with hope.
And yes, it can help. AI can handle the clutter: drafting emails, summarizing notes, scheduling meetings. But if we treat that freed-up time as space to do even more, we're not fixing the problem—we're accelerating it.
The point of AI isn't just productivity. It's possibility: the chance to work more intentionally, to let AI do the right work to allow us to reclaim time for deep focus—or for stepping away entirely.
But that only works if we're willing to reimagine the cadence of the day. To let go of always-on. To be more deliberate about when we engage, and just as deliberate about when we don't.
The good news? The flexibility is already there. The tools are in place.
What's missing is a rhythm that makes the most of both—one that allows for focus, restoration, and meaningful contribution. And that rhythm doesn't come from a policy. It starts with us: with the choices we make about when to engage, what to prioritize, and how to create space for what matters most.
We may not control everything, but we can learn to notice what we need—and set the boundaries and signals that guard it. That might mean protecting deep work hours. Letting AI handle the noise instead of adding more to it. Redefining productivity as energy well spent, not just hours filled.
And when we do this together—through team agreements, shared expectations, and mutual respect for time—we turn flexibility from pressure into possibility. The shift requires more than individual change—it calls for shared norms. As Cambon emphasized:
The future of work will be shaped by technology. But to truly work for people, it will need to be defined by people.

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Rick Rule warns the US dollar will ‘lose 75%' of its buying power in 10 years — why he puts his trust in gold
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Rick Rule warns the US dollar will ‘lose 75%' of its buying power in 10 years — why he puts his trust in gold

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Stock market today: Dow, S&P 500, Nasdaq futures slide as Trump shakes hopes for an Israel-Iran truce
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Issuers must take urgent action against fraud as chargebacks escalate
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Recent data shows that issuers and merchants are struggling with rising chargeback abuse. With all indicators pointing to the already considerable problem growing by a further 24% by 2028, financial institutions (FIs) must act or risk losing both customers and profits. According to the Mastercard's 2025 State of Chargebacks report, abuse of chargebacks is a rapidly growing problem, with both merchants and FIs taking a significant hit. And things are about to get worse. Worldwide, issuers and merchants have seen a 10% increase in chargeback volume in the past year. This rise has been driven by a rapid growth in digitization as consumers lean into the convenience of e-commerce. In addition, the ease of disputing transactions at the click of a button has seen FIs in both the US and UK experiencing a 30% to 40% increase in consumer dispute volumes via their digital channels. In fact, the report suggests that over the next five years, global chargebacks volume is set to grow from $261m in 2025 to reach $324m in 2028. For the US, this means chargebacks will total a staggering $20.47bn in just three years. For issuers, the picture looks even bleaker. Globally, only 28% of their chargebacks are legitimate disputes, while a whopping 72% are fraudulent (59% being third-party fraud, while 13% is first-party fraud). One of the biggest challenges facing FIs when it comes to third-party card-not-present (CNP) fraud that fuels chargebacks is aging infrastructure. Legacy systems are limited in their ability to handle this type of fraud due to outdated architectures, fragmented data, and reliance on rigid rule-based detection. Many systems are also still heavily reliant on manual investigation processes. Tracking fraud is another major headache. The same research found that not all FIs track whether the fraud is first-party or third-party. Misclassification and underreporting could lead to inadequate response strategies and higher operational costs, with FIs burdened by time-consuming and expensive investigations. In fact, some FIs report that they need one full-time employee for every $13,000 to $14,000 in incoming annual cardholder disputes. Issuers can attest: first-party fraud is especially hard to pinpoint. What's more, the cardholder's history may show no prior suspicious activity. Responding to a customer dispute by suggesting that they are lying or committing fraud will hardly help FIs maintain good relationships with their hard-won customers. In the US, for instance, FIs and merchants only win around half of their disputes and, in the absence of forensic proof, they are likely to issue the chargeback – even if the suspicions are valid. Many Fis may not be aware what a significant role an effective 3DS program could play in the fight against chargebacks. Stopping fraud at the point of authentication is the low-hanging fruit in reducing the cost of chargebacks. With the right 3DS access control server (ACS) and modern authentication methods, FIs can combat first-party fraud with forensic proof that the transaction was legitimately authenticated. Moreover, they can tackle third-party fraud by simply detecting fraud more effectively – without adding friction. To reduce the impact of first-party fraud, cryptographic device binding technology is able to link each customer's account to a specific device and app, creating a unique digital signature for every transaction. This allows FIs to prove that a transaction was performed from the legitimate user's device, enabling banks to present strong, tamper-proof evidence to refute first-party fraud claims. To battle third-party fraud, 3DS programs that harness risk-based authentication (RBA) and low- or no-friction authentication methods empower FIs to use strong security that improves the cardholder experience and increases transaction success. However, an FI's 3DS approach should be part of a broader, multi-layered fraud prevention strategy that includes context-aware authentication not only to detect fraud across banking and payment channels more effectively, but also to recognise customers across channels to deliver consistent, streamlined experiences. There has never been a more urgent time for FIs to consider how to update their chargeback reduction strategy. 3DS is an under-appreciated tactic in that regard. If issuers or merchants are concerned that fraud prevention will add friction that negatively affects transaction success, they are using the wrong fraud prevention authentication tools. Automated tools and AI learning models can help eliminate overall friction for consumers and improve the digital experience, while also providing more effective fraud detection. With robust authentication and clear transaction context, it becomes possible to dramatically reduce fraud and increase transaction success rates. While chargeback abuse and fraud are persistent challenges, new opportunities are available to issuers to combat increasingly sophisticated attempts in their earliest stages with the right combination of 3DS solutions, risk insights authentication, and modern authentication methods. FIs must act now – failure could risk further eroding already pressured margins, and customers looking to competitors that deliver more secure and user-friendly payment experiences. Frank Moreno is Chief Marketing Officer at "Issuers must take urgent action against fraud as chargebacks escalate" was originally created and published by Electronic Payments International, a GlobalData owned brand. The information on this site has been included in good faith for general informational purposes only. It is not intended to amount to advice on which you should rely, and we give no representation, warranty or guarantee, whether express or implied as to its accuracy or completeness. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. Sign in to access your portfolio

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