What started as a way to bring natural cleaning products in from overseas has turned into a promising application for more sustainable agriculture solutions. Photo via Pexels

When something is declared clean, one question invariably springs to mind: just how clean is clean?

Then it is, “What metrics decide what’s clean and what’s not?”

To answer those questions, one must abandon the subjective and delve into the scientific — and that’s where Clean Habits come in. The company has science on its side with Synbio, a patented cleaning formula that combines a unique blend of prebiotics and probiotics for their signature five-day clean.

“Actually, we are a synbiotic, which is a prebiotic and a probiotic fused together,” says Kristy Phillips, founder and CEO of Clean Habits. “And that's what gives us the five-day clean, and we also have the longest shelf life — three years — of any probiotic on the market.”

Phillips learned about the European product almost three months before the COVID-19 pandemic. She had heard of probiotics for gut health but had no idea about probiotic cleaning.

“When COVID actually hit, I went back and really started researching the manufacturer who is based in Europe and all of their pre- and probiotic cleaners,” remembers Phillips. “And I just found it to be so interesting that they were using natural probiotics from the dirt, from the soil, from Mother Earth. And they created this entire product line that they have been using for over 15 years. And they had so many clinical trials and hospital studies and university studies that were showing that these probiotic cleaners were working, and they were reducing bacteria, viruses, even viruses in air.

“Not only were they in the cleaning spray sector, but they were also already in water purification. They were in agriculture for animal house farming. They were doing a big trial in the subway station in Milan, putting the probiotics through a big HVAC system. And I just thought, there must be something here.”

Kristy Phillips is the founder and CEO of Clean Habits. Photo via LinkedIn

Phillips was right. After reaching out to the manufacturer, she asked if they had a distributor here in the United States. They didn't.

“Since they didn’t have a distributor here in the U.S., I got the products and tried them out for myself,” says Phillips. “They were chemical-free, non-toxic and eco-friendly and after comparing them side-by-side with the commercial cleaners we all grew up with like the Lysols, bleach, and 409s, I found that the probiotic cleaners not only worked on surface areas to remove bad bacteria and germs, they continued to work for up to five full days at 100 percent.

“The commercial cleaners did kill 99.99 percent of all bacteria and germs, but they only did it for 30 minutes. And then the bacteria and germs start to grow back. And I am like, you know, nobody tells you that in their marketing. So that is what started my journey on the probiotics and creating a line to bring to the market here in the United States.”

Phillips soon realized that her goal was easier said than done.

“I think the U.S. market is one of the hardest to break into,” says the Houston native. “Trying to launch a brand-new product in the United States, in the cleaning sector, you do have to deal with the FDA and the EPA, there is a big game that you must play. And then you do go up against the big boys, like the Johnson and Johnson's of the world. Everybody is so used to chemical cleaning. And to go and try to change that industry and disrupt it, that can be tough for people.

“And at the time, I felt like it was insane because everyone was living in their house due to COVID and continuing to use commercial cleaners that are backed with chemicals. They were all breathing that in. I felt that was doing us all an injustice, especially when you have these probiotics that are natural, non-toxic, non-chemical and safe to breathe. It does change the game.”

Once Phillips noticed that she was not alone, with companies like Jessica Alba’s The Honest Company and Mrs. Meyer’s with their plant-based cleaning products, she forged full speed ahead with Clean Habits.

Now, more than three years later, her company is making a significant impact.

“I said, OK, I’m not crazy here, I must be on the right path,” says Phillips. “With people starting to recognize that there is a better way to clean, we began to get into retailers like Kroger. Right now, we are in the process of on-boarding with Walmart and are in talks with CVS, Whole Foods, and Costco.”

The biggest signal to Phillips that the word was out on Clean Habits came in the form of a potential celebrity endorsement.

“Howie Mandel, who is a certified germaphobe, reached out to us a couple of weeks ago,” says Phillips, who before her mission to clean up the world, was a producer of reality television. “We are about to do a big campaign with him and the Clean Habits line. People know Howie Mandel. So, he is definitely going to bring more awareness to our brand, which will allow us to start a big, heavy push and hopefully we can just capitalize on it and go from there.”

Moving forward, Phillips’ vision for Clean Habits will extend beyond just traditional cleaning products. She sees that she can also have an impact on the industrial and commercial side of things.

“Right now, we are doing testing in agriculture, and this is something that our manufacturers in Europe have already done and they have been extremely successful with it,” says Phillips. “The goal is to see if we could reduce the use of pesticides in farming and replace it with just misting and spraying with the probiotics.

“We already know that by incorporating the probiotics throughout water systems, that we can actually clean the water and take it back to 100 percent natural water or pure water. We can get rid of E. coli, MRSA, staph. And so, we are going to start working with the state of Texas and into animal house cleaning and farming and cleaning their water.”

Additionally, Clean Habits already has research that proves that by incorporating the probiotics, they can start eliminating the bird flu, which affected a lot of Texas chickens recently to where over 350,000 of them had to be put down.

“We’re really trying to change the faith there in agriculture,” says Phillips. “I mean, to me, it's amazing because when I first started this, I was just trying to launch some cleaning supplies, which is fantastic, but this product is so much more than a multi-purpose cleaning spray, your floor cleaner, your drain cleaner or your laundry detergent. This goes into cleaning water, which is everyone's basic right to have clean water. And the fact that we can do it by using these probiotics, to me, my little brain can't compute that part of it.

“And then when we really did start looking into the agriculture and how, by incorporating the probiotics into the animal house, the cleaning of the water, and putting it into their housing system, that we can reduce methane gas by 41 percent. That is huge. This can profoundly change and revolutionize industries. And to be a part of that, and I am so excited.”

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Houston startup debuts new drone for first responders

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Houston-based Paladin Drones has debuted Knighthawk 2.0, its new autonomous, first-responder drone.

The drone aims to strengthen emergency response and protect first responders, the company said in a news release.

“We’re excited to launch Knighthawk 2.0 to help build safer cities and give any city across the world less than a 70-second response time for any emergency,” said Divyaditya Shrivastava, CEO of Paladin.

The Knighthawk 2.0 is built on Paladin’s Drone as a First Responder (DFR) technology. It is equipped with an advanced thermal camera with long-range 5G/LTE connectivity that provides first responders with live, critical aerial awareness before crews reach the ground. The new drone is National Defense Authorization Act-compliant and integrates with Paladin's existing products, Watchtower and Paladin EXT.

Knighthawk 2.0 can log more than 40 minutes of flight time and is faster than its previous model, reaching a reported cruising speed of more than 70 kilometers per hour. It also features more advanced sensors, precision GPS and obstacle avoidance technology, which allows it to operate in a variety of terrains and emergency conditions.

Paladin also announced a partnership with Portuguese drone manufacturer Beyond Vision to integrate its Drone as a First Responder (DFR) technology with Beyond Vision’s NATO-compliant, fully autonomous unmanned aerial systems. Paladin has begun to deploy the Knighthawk 2.0 internationally, including in India and Portugal.

The company raised a $5.2 million seed round in 2024 and another round for an undisclosed amount earlier this year. In 2019, Houston’s Memorial Villages Police Department piloted Paladin’s technology.

According to the company, Paladin wants autonomous drones responding to every 911 call in the U.S. by 2027.

Rice research explores how shopping data could reshape credit scores

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More than a billion people worldwide can’t access credit cards or loans because they lack a traditional credit score. Without a formal borrowing history, banks often view them as unreliable and risky. To reach these borrowers, lenders have begun experimenting with alternative signals of financial reliability, such as consistent utility or mobile phone payments.

New research from Rice Business builds on that approach. Previous work by assistant professor of marketing Jung Youn Lee showed that everyday data like grocery store receipts can help expand access to credit and support upward mobility. Her latest study extends this insight, using broader consumer spending patterns to explore how alternative credit scores could be created for people with no credit history.

Forthcoming in the Journal of Marketing Research, the study finds that when lenders use data from daily purchases — at grocery, pharmacy, and home improvement stores — credit card approval rates rise. The findings give lenders a powerful new tool to connect the unbanked to credit, laying the foundation for long-term financial security and stronger local economies.

Turning Shopping Habits into Credit Data

To test the impact of retail transaction data on credit card approval rates, the researchers partnered with a Peruvian company that owns both retail businesses and a credit card issuer. In Peru, only 22% of people report borrowing money from a formal financial institution or using a mobile money account.

The team combined three sets of data: credit card applications from the company, loyalty card transactions, and individuals’ credit histories from Peru’s financial regulatory authority. The company’s point-of-sale data included the types of items purchased, how customers paid, and whether they bought sale items.

“The key takeaway is that we can create a new kind of credit score for people who lack traditional credit histories, using their retail shopping behavior to expand access to credit,” Lee says.

The final sample included 46,039 credit card applicants who had received a single credit decision, had no delinquent loans, and made at least one purchase between January 2021 and May 2022. Of these, 62% had a credit history and 38% did not.

Using this data, the researchers built an algorithm that generated credit scores based on retail purchases and predicted repayment behavior in the six months following the application. They then simulated credit card approval decisions.

Retail Scores Boost Approvals, Reduce Defaults

The researchers found that using retail purchase data to build credit scores for people without traditional credit histories significantly increased their chances of approval. Certain shopping behaviors — such as seeking out sale items — were linked to greater reliability as borrowers.

For lenders using a fixed credit score threshold, approval rates rose from 15.5% to 47.8%. Lenders basing decisions on a target loan default rate also saw approvals rise, from 15.6% to 31.3%.

“The key takeaway is that we can create a new kind of credit score for people who lack traditional credit histories, using their retail shopping behavior to expand access to credit,” Lee says. “This approach benefits unbanked applicants regardless of a lender’s specific goals — though the size of the benefit may vary.”

Applicants without credit histories who were approved using the retail-based credit score were also more likely to repay their loans, indicating genuine creditworthiness. Among first-time borrowers, the default rate dropped from 4.74% to 3.31% when lenders incorporated retail data into their decisions and kept approval rates constant.

For applicants with existing credit histories, the opposite was true: approval rates fell slightly, from 87.5% to 84.5%, as the new model more effectively screened out high-risk applicants.

Expanding Access, Managing Risk

The study offers clear takeaways for banks and credit card companies. Lenders who want to approve more applications without taking on too much risk can use parts of the researchers’ model to design their own credit scoring tools based on customers’ shopping habits.

Still, Lee says, the process must be transparent. Consumers should know how their spending data might be used and decide for themselves whether the potential benefits outweigh privacy concerns. That means lenders must clearly communicate how data is collected, stored, and protected—and ensure customers can opt in with informed consent.

Banks should also keep a close eye on first-time borrowers to make sure they’re using credit responsibly. “Proactive customer management is crucial,” Lee says. That might mean starting people off with lower credit limits and raising them gradually as they demonstrate good repayment behavior.

This approach can also discourage people from trying to “game the system” by changing their spending patterns temporarily to boost their retail-based credit score. Lenders can design their models to detect that kind of behavior, too.

The Future of Credit

One risk of using retail data is that lenders might unintentionally reject applicants who would have qualified under traditional criteria — say, because of one unusual purchase. Lee says banks can fine-tune their models to minimize those errors.

She also notes that the same approach could eventually be used for other types of loans, such as mortgages or auto loans. Combined with her earlier research showing that grocery purchase data can predict defaults, the findings strengthen the case that shopping behavior can reliably signal creditworthiness.

“If you tend to buy sale items, you’re more likely to be a good borrower. Or if you often buy healthy food, you’re probably more creditworthy,” Lee explains. “This idea can be applied broadly, but models should still be customized for different situations.”

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This article originally appeared on Rice Business Wisdom. Written by Deborah Lynn Blumberg

Anderson, Lee, and Yang (2025). “Who Benefits from Alternative Data for Credit Scoring? Evidence from Peru,” Journal of Marketing Research.

XSpace adds 3 Houston partners to fuel national expansion

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Texas-based XSpace Group has brought onboard three partners from the Houston area to ramp up the company’s national expansion.

The new partners of XSpace, which sells high-end multi-use commercial condos, are KDW, Pyek Financial and Welcome Wilson Jr. Houston-based KDW is a design-build real estate developer, Katy-based Pyek offers fractional CFO services and Wilson is president and CEO of Welcome Group, a Houston real estate development firm.

“KDW has been shaping the commercial [real estate] landscape in Texas for years, and Pyek Financial brings deep expertise in scaling businesses and creating long‑term value,” says Byron Smith, founder of XSpace. “Their commitment to XSpace is a powerful endorsement of our model and momentum. With their resources, we’re accelerating our growth and building the foundation for nationwide expansion.”

The expansion effort will target high-growth markets, potentially including Nashville, Tennessee; Orlando, Florida; and Charlotte and Raleigh, North Carolina.

XSpace launched in Austin with a $20 million, 90,000-square-foot project featuring 106 condos. The company later added locations on Old Katy Road in Houston and at The Woodlands Town Center. A third Houston-area location is coming to the Design District.

XSpace condos range in size from 300 to 3,000 square feet. They can accommodate a variety of uses, such as a luxury-car storage space, a satellite office, or a podcasting studio.

“XSpace has tapped into a fundamental shift in how entrepreneurs and professionals want to use space,” Wilson says. “Houston is one of the best places in the country to innovate and build, and XSpace’s model is perfectly aligned with the needs of this fast‑growing, opportunity‑driven market.”