Vivo and Adobe have partnered to offer the operator's customers six months of free access to the Adobe Express Premium plan. This benefit aims to provide users with various functionalities for creating and editing visual content, with a special focus on artificial intelligence tools.
Adobe Express Premium, which represents the most accessible paid version of the platform, offers a robust set of features. Among them are dedicated tools for editing photos, videos, and documents, in addition to access to a vast collection of over 100 thousand video templates and more than 495 million images. The platform also includes access to over 30 thousand fonts available on Adobe Fonts.
Additionally, subscribers are entitled to 250 monthly credits for generative AI use and can schedule content directly on social networks. The package also guarantees 100 GB of cloud storage through Adobe Cloud. It is important to note that although Adobe Express can be integrated with software such as Photoshop and Illustrator, it operates primarily as an online creation platform, similar to Canva.
This new benefit is part of the Vivo Valoriza relationship program and is available to customers who have the Vivo Controle, Postpaid, Total, and Fiber plans. To get access, the eligible customer must use the Vivo application, navigate to the Benefits section, and select the Adobe Express Premium promotion. This process generates a coupon that must be applied on the official Adobe Express website, ensuring the six months of free use.
Considering that Adobe Express Premium has a monthly cost of R$ 23, the promotional period results in a total saving of R$ 138 on the subscription. After the free period ends, continued use requires payment. Both companies highlighted the importance of the collaboration. Flávia Carneiro, Vivo's B2C marketing director, stated that the partnership advances the strategy of making innovation practical and accessible, expanding the use of artificial intelligence solutions. Renata Decoussau, Adobe's marketing director for Latin America, added that with Adobe Express, creative opportunity is being brought to everyone through a simple, AI-powered experience, expanding this access to millions of Brazilians.
BYD has confirmed the introduction of the new version of the Dolphin Mini in Brazil, an electric hatchback currently sold in China under the name Seagull, which will undergo substantial modifications. This announcement came after China's Ministry of Industry and Information Technology (MIIT) released the first specifications and images of the vehicle on the 10th.
The arrival of this new generation is scheduled for starting in 2028, but the brand's strategy does not foresee replacing the current model. The current Dolphin Mini will remain available as an entry-level option, manufactured in Camaçari (BA) and maintaining its position as the best-selling electric vehicle in the national retail market, having registered over 14 thousand units sold in the first quarter of 2026 alone.
The unprecedented version will be positioned at a higher level in the portfolio, targeting consumers willing to invest more in performance, technology, and space. The changes go beyond aesthetics, as the new hatchback will have a length of 4.20 meters, a width of 1.81 meters, and a wheelbase of 2.65 meters. This represents an increase of 42.5 cm in length and 15 cm in wheelbase compared to the current model, causing it to cease being classified as subcompact to adopt the dimensions of a compact car.
This new size rivals the Geely EX2, a competitor that has been challenging for BYD, given that both share the same 2.65 m wheelbase, but BYD surpasses the competitor by about seven centimeters in length. The power gain is also notable: the mechanical unit will start generating 129 hp, up from the current 75 hp and surpassing the 116 hp of the EX2 sold in Brazil. Furthermore, the approved top speed will increase from 130 km/h to 150 km/h. Aesthetically, the design will be renewed and more fluid, and BYD will choose not to keep the connected taillights, one of its distinctive features.
Although the car's arrival is confirmed, crucial information remains confidential, including range, battery capacity, and the price intended for the Brazilian market. Chinese records only indicate the use of LFP (lithium iron phosphate) chemistry, which is the same used in BYD's Blade family. With its new size, the Dolphin Mini will approach the specifications of the standard Dolphin, which is immediately above in the product line and available in versions such as GS and Plus. This move reinforces the automaker's intention to occupy various price ranges and sizes in the segment. The Seagull, sold as Dolphin Surf in Europe and Atto 1 in parts of Asia, has established itself as one of BYD's best-selling cars globally since its launch in 2023.
Islamic finance represents a complete financial industry with a global turnover exceeding 3 trillion dollars, operating in dozens of countries, including Malaysia, the UAE, the UK, and Germany. It is important to understand that it is neither religious money nor charity.
The main difference between an Islamic bank and a traditional one lies in the methodology of generating income. A conventional bank earns money by using the difference between deposit and loan rates, making the monetary circulation itself a product. An Islamic bank, however, derives income from real transactions: it engages in buying and reselling goods, leasing property, investing in client businesses, and sharing profits and losses.
In this system, money acts merely as a tool, and income is always tied to a real asset—be it a car, an apartment, equipment, or an operating business. The entire system is based on three prohibitions: Riba (the prohibition of earning income from lending, i.e., interest, because money should not grow by itself), Gharar (the prohibition of excessive uncertainty, such as selling a non-existent item), and Maysir (the prohibition of gambling).
Furthermore, there is an ethical filter: an Islamic bank does not finance the production of alcohol or tobacco, nor gambling or any other activities classified as forbidden (haram) by Sharia. The fundamental principle of Islamic finance is the joint bearing of risks and reliance on real assets.
Consider the example of purchasing a car worth 300 million soms. In the conventional banking scenario, the bank issues a loan, and the client repays the debt over five years with interest. If the interest rate changes, the payment also changes, and late fees become bank income. In the Islamic banking scenario (Murabaha), the bank first buys the car from the dealer and then sells it to the client in installments with a pre-agreed markup, for example, for 360 million soms over five years. This amount is fixed and does not increase. The bank acts as a seller, not a lender, and bears the risk regarding the goods until they are transferred to the buyer. According to the rules, late fees cannot remain with the bank but must be directed to charity. Nevertheless, it should be noted that payments in an Islamic bank are not free, as there is a markup, and the total cost may be comparable to the loan interest rate, but the key difference lies in the nature of the transaction and the distribution of risks, as well as the fact that the client knows the final amount from the beginning.
Uzbekistan's legislation allows banks to use six types of Islamic operations. Among them are:
There are also Sukuk—the Islamic equivalent of bonds, allowing an investor to finance a specific project and receive a share of the income—and Takaful—Islamic insurance based on mutual assistance through a common fund of participants.
There are several misconceptions about this system. Firstly, an Islamic bank is a commercial organization that makes money; it just uses a different method. Sanjar Nosirov, Deputy Chairman of the Central Bank, emphasized that many mistakenly consider Islamic finance to be completely free, confusing it with social aid; in reality, the markup in Murabaha or the rental fee in Ijarah represents the real cost of financing.
Secondly, a client of an Islamic bank can belong to any religion or have no religion. In London, one of the western centers of Islamic finance, many clients of such banks are not Muslims, attracted by transparency, fixed payments, and ethical filters.
Thirdly, the law has created a dual model: traditional banks continue to operate as before, while Islamic services have become a supplement, implemented either through separate Islamic banks or through 'Islamic windows' within existing institutions. Global experience shows the coexistence and competition of these two systems over decades.
Law ZRU-1126 was adopted on March 27, 2026, and signed by President Shavkat Mirziyoyev. It amends nine acts simultaneously, including the Civil and Tax Codes, as well as the laws 'On the Central Bank' and 'On Banks and Banking Activities,' forming the legal basis for the new industry.
A special license from the Central Bank is required to conduct Islamic banking, which is perpetual and non-transferable. Both fully established Islamic banks and 'Islamic windows' within traditional banks can operate in the country, and a licensed bank can run both lines in parallel. Sanjar Nosirov, Deputy Chairman of the Central Bank, called the entry into force of the law a historic event for the financial system of Uzbekistan.
On July 15, 2026, the Central Bank established the Council for Islamic Finance. This collegial body is responsible for coordinating the development of Islamic finance, establishing unified standards for banks, microfinance organizations (MFOs), and other organizations operating on Islamic principles. The Council consists of five members, headed by Saidjamol Masaitov from the Fatwa Center at the Muslim Council of Uzbekistan. Council members, including Muhammadayibkhon Komidov, Hikmatill Toshmerov, Abdullatif Tursunov, and Akhrorjon Saidullaev, develop national standards that comply with international requirements, advise banks, and represent the Central Bank in AAOIFI.
A legislative innovation is the permission for Islamic banks to engage in trade, establish companies, and acquire shares and stocks, enabling operations such as Murabaha and Musharaka. Furthermore, the Tax Code includes a separate chapter on Islamic operations, ensuring tax neutrality so that Islamic products do not lose out to loans from the outset. Penalties directed to charity can be accounted for as bank expenses.
The path to implementing Islamic finance took about twenty years. In 2003–2004, Uzbekistan joined the Islamic Development Bank (IsDB), which began providing initial projects for Uzbek banks. In 2018, an attempt was made to seek assistance from ICD to launch 'Islamic windows,' but the resolution project was not adopted. In 2020, a UNDP–IsDB study showed that 61% of entrepreneurs and 75% of the population were ready to use Islamic finance.
In April 2022, the law on non-bank credit organizations allowed MFOs to offer Islamic finance. In 2023, the development of Islamic finance was declared a state goal under the 'Uzbekistan-2030' strategy. In 2024, the Central Bank approved rules for Islamic MFOs regarding Murabaha, Ijarah, Mudarabah, Musharaka, and Salam operations. In 2025, the draft law was submitted for public discussion, during which MFOs provided services worth 21 billion soms, and a Central Bank project office was established. Law ZRU-1126 entered into force on June 29, 2026, officially opening Islamic banking.
The reform is unfolding in three stages, as noted by Sanjar Nosirov, Deputy Chairman of the Central Bank, at TIIF-2026.
MFOs served as a pilot platform for testing regulation, standards, and supervision. Today, about 12 microfinance organizations offer Islamic instruments, one of which operates exclusively under the Mudarabah model and has financed over 300 women entrepreneurs.
The opening of full-fledged Islamic banks and 'Islamic windows' has begun. Timur Ishmetov, Chairman of the Central Bank, reported that more than ten banks have started preparations, and a phased expansion of Islamic instruments is expected. Four or five foreign banks have expressed readiness to enter the market, and in June, the Central Bank discussed cooperation with MBK Holding from Qatar.
The creation of a legal framework for Islamic securities is planned. Provisions on Sukuk will be integrated into the developing capital markets law, providing a dedicated chapter for this instrument. Sukuk will allow investors to raise funds to finance specific projects, such as infrastructure, energy, and real estate.
Islamic finance should become a strategic priority, not just one of the options for Central Asia.
The economic goal of the reform is to attract funds currently outside the financial system. According to UNDP/IsDB, 38% of entrepreneurs and 56% of the population avoided bank lending for religious reasons. Initial funds have already appeared: the EEFU fund of 100 million dollars is designated to finance SMEs through Islamic instruments with the support of the IsDB Group, the Saudi Fund for Development, and the FRD of Uzbekistan. SEAF Director Yan Cherim noted a steady growth in interest in Islamic products in Uzbekistan.
For depositors, a new type of deposit is available—an investment deposit. Instead of a guaranteed rate, the depositor receives a share of the bank's profit, which is not promised in advance but is earned by the bank based on real transactions. When purchasing a car or housing, the alternative to a loan is Murabaha (installment plan with a fixed final price) and Ijarah with the right of repurchase. The practical advantage here is predictability, as the final amount will not change.
The Galaxy Watch Ultra is available on sale with a significant 65% discount off its original price of R$ 4,999. This top-tier Samsung watch, known for its robust build, long battery life, and advanced sensors powered by artificial intelligence, can be purchased for R$ 1,736 via Pix on Mercado Livre.
This advanced Samsung smartwatch incorporates the BioActive sensor and other components that provide various health data to the user. It is possible to monitor body composition through bioimpedance, track heart rate and SpO2 levels, in addition to performing electrocardiograms (ECG).
In addition to health functions, the Galaxy Watch Ultra supports tracking various sports activities, including specific modes for running and cycling. Integration with Galaxy AI allows for data analysis, offers personalized training suggestions, and even provides quick answers in messaging applications.
With a 590 mAh battery—whose capacity is expected to be higher in the Galaxy Watch Ultra 2, according to rumors—it guarantees up to 100 hours of autonomy when economy mode is active, eliminating the need for daily recharging. The device operates with the Exynos W100 processor, 2 GB of RAM, and 64 GB of storage for downloading apps from the Play Store.
Its structure features a 1.5-inch Super AMOLED screen with a brightness of up to 3,000 nits, ensuring clear visibility even under intense sunlight. The case is made of grade 4 titanium. For precise location and navigation, the watch has dual-frequency GPS (L1 + L5).
The gadget has IP68 and military MIL-STD-810H certifications, giving it resistance to extreme environments. It supports temperatures ranging from -20 ºC to 55 ºC and altitudes up to 9,000 meters, as specified by the manufacturer. Despite its 10 ATM water resistance, it is not recommended for deep diving or aquatic activities.
The opportunity to acquire the Galaxy Watch Ultra with a 65% discount for R$ 1,736 via Pix on Mercado Livre should be taken advantage of.
