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Banking is the Next Personal Assistant

first_imgRelated Posts Hossein Rahnama is the founder and CEO of Flybits, a cloud-based, context-as-a-service solution with offices in Toronto, Redwood City, and London. Tags:#AI#Banking#Blockchain#Contextual Data#Fintech#mobile#personal assistant banking Blockchain – Impending Revolution in Glob… We envision banks as these massive vaults filled with money. While there’s some truth to that assumption, your average bank is so much more. We can expect that banking is the next personal assistant. Banks are massively complicated institutions that operate on a lot of different (often proprietary) systems working seamlessly in conjunction with one another. Anyone working in IT for a bank will tell you every day is a challenge.Daily, banks manage to overcome a litany of internal and external obstacles — all while providing service with a smile. Long before anyone used online data and social media accounts to track people, banks could collect that sort of insight by following the money. Banks have access to a treasure trove of information about our financial preferences, which puts them in the position to act as concierges in our lives.The ubiquity of solutions such as AI, blockchain, and machine learning can only serve to contextualize the future of banking further. Instead of focusing on terms and conditions, it’s time for banks to leverage the wealth of information provided by these solutions to engage people and help improve customers’ financial well-being.Disrupting the Old GuardMost banking decision makers see the role technology and innovation can play in upending the status quo. PayPal’s mobile platform prompted several legacy providers to work on their own mobile offerings, and Bitcoin showed the value blockchain brings to the transaction process.The banking industry’s dated processes and operating systems are so entrenched that implementing widespread innovation is a challenge.In the past, IT was just one part of banking. Now that IT is such an integral part of the banking business model, legacy providers must rethink their customer engagement tactics and reimagine their internal infrastructure. That new vision should start with reframing the purpose that modern banks serve.For years, customers leveraged banks solely for their core financial services. That mindset persists through banking apps — users only see financial service apps for what the services they provide. The user doesn’t consider the banking app as entities that improve their financial decision-making.Banking’s future isn’t in the actual products banks provide but in how they’re serving those products to customers.We don’t need to understand the fine print of a mortgage or insurance policy if we can understand the value it brings to our daily lives. For example, mortgages documents, insurance, CDs, stocks, 401(k)s, and numerous other products come with polished banking terminology and drawn-out contracts that can perplex even the best lawyer.But imagine a banking platform that breaks legalese down into digestible bits. Instead of prompting you to click forward to complete the process, envision using an app that compiles all your past and current financial information and advises you regarding potential next steps.Banking that can genuinely help us live our lives a better way — or any fintech company in this mold are going to be the next big thing. Technology can be the catalyst to kick off this shift, but banking decision makers must reconstruct the roles they play if they want to bring this tech-reality to life. Instead of cold, numbers-driven institutions, consumers wish to have banks that offer friendly, knowledgable and familiar faces. A familiar and friendly help is where banks can start to become our personal assistants.The Next Frontier of BankingPeople like to say money isn’t essential, but it’s the fuel that runs our lives. That makes our banks the engine, and financial institutions that genuinely figure out how to steer us toward better lives will become the Ubers and Teslas of the financial industry. Thankfully, there are already financial companies pushing to provide better personal assistance.Manulife, for example, can tie Fitbit and other fitness tracking data into its Vitality program. Life insurance companies have a vested interest in keeping people healthy, and Manulife uses discounted premiums and other loyalty perks to encourage its members to lead healthier lives.Back in the banking arena, TD Bank’s “TD for Me” feature uses mobile data to send customers real-time, contextual offers while they’re on the go. Using a feature while on the go gives consumers peace of mind to make financial decisions no matter where they are.The Royal Bank of Canada is taking things a step further, integrating an Airbnb-like product into its offerings. The Canadian bank is constantly innovating its tech offerings to ensure the brand stays relevant, creating person-to-person marketplaces and ecosystems that align with current consumer expectations.Consumers still want banks for the same basic needs they’ve had for generations — to finance houses, cars, businesses, vacations, etc. The way we think about those basic needs has evolved, though. The key moving forward is for banks to understand what truly motivates people to spend money.Right now, we have more data available to accomplish that task than ever before. Companies that figure out how to leverage data and bridge the trust gap between consumers and banks will become the next big unicorn companies. What it Takes to Build a Highly Secure FinTech … AI: How it’s Impacting Surveillance Data Storage A Web Developer’s New Best Friend is the AI Wai… Hossein Rahnamalast_img read more

a month agoLiverpool boss Klopp tells Blades: We deserved this win

first_imgAbout the authorPaul VegasShare the loveHave your say Liverpool boss Klopp tells Blades: We deserved this winby Paul Vegasa month agoSend to a friendShare the loveLiverpool boss Jurgen Klopp was delighted with their win at Sheffield United.The Reds battled to a 1-0 triumph thanks to Gini Wijnaldum’s winner.Klopp said afterwards: “For us it was important to win. We had unbelievably big chances In the first half we had two big chances and in the second one which we scored from. These games, they are not all beauties and you have to work hard for the results.”You have to respect the opponent, we had good moments and it was one of these games you have to win but not think too much about it. One team deserved to win, which was us, but all respect to Sheffield United, they were tough.”I was frustrated, and at half time we spoke about it. We started well, but you have to do the same things again and again. It’s about body language, it starts with the centre halves, it’s the little things. They threw everything at us, they worked incredibly hard, they were a real threat. I am fine with the game, not overly happy but it happens. We were concentrated at set pieces for 95 minutes the boys were spot on. We didn’t play our best football but there we are.” last_img read more

Video: Mike Francesa Says CBS Knows Who Leaked The Bracket

first_imgMike Francesa talks about leaked CBS bracket.mike francesa cbs bracketThis past Sunday night, midway through the CBS NCAA Tournament selection show, the full bracket leaked online, sending the college basketball world into a frenzy. It was the first time in history that any part of the bracket had been revealed early.As you’d imagine, both the NCAA and CBS are taking the issue seriously. And according to WFAN’s Mike Francesa, the network already knows the source of the leak. Francesa told callers Monday that he also knows the source. Mike Francesa knows who leaked the NCAA brackets on Twitter; is not authorized to tell us,@KennyDucey @sportswatch pic.twitter.com/2C9XS3ssaX— I Nevah Said Dat! (@RNs_Funhouse) March 15, 2016Will the rest of us know by the end of the week? Maybe. If it really was one rogue employee doing the damage, you can imagine he/she is going to be in a world of trouble.[The Big Lead]last_img read more

Video: Rutgers’ Chris Ash, DE Quanzell Lambert Play 1-on-1 Hoops During Team Meeting

first_imgChris Ash plays 1-on-1 during team meeting.Chris Ash 1-on-1Since taking over as Rutgers’ head coach, Chris Ash has made a lot of changes to the program. He’s revamped facilities, changed the uniforms, and built up momentum in recruiting.Apparently, at least temporarily, Ash has added a basketball hoop to the team’s primary meeting room. Today, he and defensive end Quanzell Lambert played a little 1-on-1 before a [email protected] vs Quanzell Lambert before team meeting #RFootball pic.twitter.com/HCsjaGzeaw— Rutgers Football (@RFootball) June 29, 2016Ash is giving up a lot of size there, and he probably fouled Lambert, but hey, he’s the guy running the program so he gets home calls.last_img

Pryor 20 Top recruit expected to choose college Thursday OSU near top

The Buckeyes might have a new quarterback to someday fill the shoes of Terrelle Pryor. And yes, this quarterback is even being compared to the Ohio State starter.Braxton Miller, the top recruit in the nation according to Scout.com, has OSU on his radar as one of his top schools. The junior out of Huber Heights, Ohio, has been making waves in the recruiting world since his freshman year. The 6-foot-2-inch quarterback has received offers from USC, Alabama, Cincinnati, Illinois, Michigan, North Carolina, Notre Dame, Tennessee, West Virginia, Wisconsin and Florida, so the Buckeyes will have to hold their breath as they wait out his decision.A press conference has been set for Thursday at noon for him to announce his decision, according to Jay Minton, Miller’s coach at Wayne High School.Miller wouldn’t be the first of his family to become a Buckeye. Cousin Dee Miller played wide receiver for OSU back in the 90s and also spent a short period of time in the NFL. According to Kevin Noon of BuckeyeGrove.com, it would be a big surprise if Miller doesn’t choose the Scarlet and Gray.“I really would be shocked if he didn’t end up committing to Ohio State,” Noon said. “The Buckeyes have not made it a secret that he is their top recruit at quarterback and have not offered another player at the position to this point. People may want to talk about other schools in on him, but barring some sort of major falling out, he will be a Buckeye before it is all said and done.”Although Miller has made major strides during his high school career, his senior year still might determine the type of player he will become.“Players mature so much from their junior year of high school to their senior year of high school,” Noon said. “Until we get a chance to see a little bit more of Miller in action we really can’t paint him into a corner.”Many scouts are comparing Miller’s game to that of Terrelle Pryor, which Noon considers an unfair assessment.“It is very hard to compare the two and almost unfair to either athlete,” said Noon. “There is no way to say that Miller is anywhere near the type of scrambling athlete that Pryor is or was. Miller is definitely not going to be mistaken as a true drop back passer, but his style of dual-threat is different than what Pryor has brought to the table.”Bringing Miller to OSU could help coach Jim Tressel to entice top wide receivers to commit based on his status as one of the top quarterbacks.Miller has said OSU is his top school, but regardless of where he goes, he will still be one of the top players to watch come fall 2011. read more

Football Fourstar 2018 inside linebacker prospect KVaughan Pope commits to Ohio State

Ohio State gained its 17th member of its 2018 recruiting class when four-star inside linebacker K’Vaughan Pope committed to the Buckeyes Friday evening.https://twitter.com/Pop3Bad_81/status/893610280378347521The Dinwiddie, Virginia, native is the 168th-ranked player nationally in the class, according to 247Sports composite rankings, and ranks seventh in the country at the position.The Buckeyes received Pope’s pledge over other top programs such as Florida, Clemson and Alabama.The 6-foot-2, 210-pound Pope is the No. 4 ranked player in his state. He joins fellow inside linebacker and Virginian Teradja Mitchell in Ohio State’s 2018 class, which is the top-ranked recruiting class in the nation.

Berlusconi says he lost the elections because of Milan fans

first_imgAccording to the former Rossoneri president, more than 2.5 million Milan supporters did not vote for him in the electionsAfter leaving the AC Milan presidency, Silvio Berlusconi wanted to be elected once again as a Prime Minister of Italy.He participated in the 2018 general elections in his native country under the banner of the Forza Italia political party. But he lost.And according to him, it was because Rossoneri fans did not like to have Li Yonghong as their new president.Cristiano Ronaldo, JuventusSerie A Betting: Match-day 3 Stuart Heath – September 14, 2019 Considering there is a number of perfect starts so early in the Serie A season, as well as a few surprisingly not-so perfect ones….“Our polls showed us how 2.5 million Milan fans didn’t vote for me so as to punish me for having delivered Milan a successor who wasn’t very capable,” he told reporters as quoted by Football Italia.“They were and are still angry with me but after 30 years, I couldn’t run them anymore because of the workload.”“I am and will be, I believe, the club president who has won so much in football.”last_img read more

Marcus Rashford says Cardiff Victory was just the start of a

first_imgManchester United forward Marcus Rashford says new interim United boss Ole Gunnar Solskjaer is raising a positive team with Saturday’s victory against Cardiff a pointer to that factSolskjaer replaced Jose Mourinho as head coach of the Red Devils until the end of the season, and the former centre-forward made the perfect start to his reign with a thumping win over Cardiff.Rashford who opened the scoring in the 5-1 victory over Cardiff said that was just the start. Harry Maguire, Manchester UnitedLiverpool legend Nicol slams Harry Maguire’s Man United form Andrew Smyth – September 14, 2019 Steve Nicol believes Harry Maguire has made some “horrendous mistakes” recently, and has failed to find his best form since joining Manchester United.“He wants us to be positive on the ball and always look for the gaps. That was just the start. We’re going to improve and get better at it,” Rashford, who now has four Premier League goals for the season, told BT Sport via Sportsmole. “The Christmas period is very busy so it is about recovering and making sure we’re ready for the next games. We have to keep improving and go up another level.”last_img read more

January 5 2007 Wall project manager David Toll

first_imgJanuary 5, 2007 Wall project manager David Tollas and volunteer crew member Darina Trendafilova remove hard frozen earth to prepare the trench for a retaining wall. [Photos: Rafael Carvão & text: sa] The edges of the trench are carefully cleaned and leveled and lined with a wooden form. David teaches workshop participants and volunteer crew members Sung Sik Cho, John Foster, Jeffrey Meylan and Bernardo Claus. [Photos: Rafael Carvão & text: sa] Steel reinforcement bars are cut and installed. This report will continue on January 8. 2007. [Photos: Rafael Carvão & text: sa]last_img