#Best Web App Development Service in Erode
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Web Design & Development Agency in Erode | Creative Websites
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Key Benefits of Progressive Web Apps (PWAs) for SEO and Digital Marketing

Thinking of a more digital-forward world, businesses will always be reactive to the new and emerging technologies in contention. The new technology which came as a real game-changer for business is the Progressive Web App (PWA), which encompasses faster and easier web experiences with the rise of mobile internet. PWAs are combining the best of both worlds—the web and mobile—and are already changing the game for organizations in terms of how they view their online strategy. Partnering with a top Web Application Development Company in Pune helps organizations leverage PWAs to better engage users and grow digitally.
What is a Progressive Web App? Essentially, it is a web application providing an app-like experience through a web browser. PWAs are built upon the common standards of HTML, CSS, and JavaScript and therefore exhibit some app-oriented characteristics such as offline functionality, push notifications, and awareness of fast loading speeds eroding the hassle of downloading from the app store or application stores.
The Growing Importance of PWAs in Digital Marketing
Innovation is the core of digital marketing. Thus the companies that make use of these emerging technologies are at a superior position and able to give their users a better online experience. This is where the PWA technology shines. In contrast to traditional websites, these PWAs are built to accommodate the burden laying on a fast-paced modern user. Long loading times, marginal offline capabilities, and unintuitive interfaces may drive users away. Native apps tend to be faster and more stimulating but call for downloading, updates, and storage space which in turn deters users.
PWAs offer a sweet spot with their speed, reachability, and engagement. Studies reveal how companies investing in progressive web app development experience better user engagement, retention, and conversions. For example:
Alibaba: The launch of the PWA increased conversion rates by 76%.
Starbucks: Thanks to the PWA that enables users to browse the menu offline, the company doubled its daily active users.
The benefits, especially with the partnership of a progressive web app development company, go beyond user experience. PWAs are also increasingly helping with search engine visibility, thus serving as a very effective SEO tool.
Why Are PWAs Crucial for SEO?
Standing out in search engine result pages is one of the foremost concerns for businesses across industries. Here is how PWAs attend to crucial SEO issues:
1. Speed
Page speed impacts SEO rankings. Slow-loading sites are mostly characterized by high bounce rates, substantiating their negative influence on ranking. PWAs use service workers to cache resources, ensuring lightning-fast loading, even under poor network conditions. Such smoothening of the user experience reduces bounce rates a great deal, thus heavily influencing SEO potency.
2. Mobile Orientation
Besides being search engines themselves, Google carries out mobile-first indexing to rank sites with better mobile experience higher. So having PWAs is very fine as they are responsive by default and highly optimized for mobile users. Businesses converting their website into PWAs stand sure that they are mobile-compliant and can be accessed on any device.
3. Improved User Engagement
Various user engagement metrics, such as dwell time and bounce rates, are taken into account during site ranking. PWAs are really immersive; they entice users to spend more time on the site interacting with features and returning for more.
4. HTTPS Security
In the case of PWAs, HTTPS is required for secure communications. Google gives higher ranking to secure websites, hence utilizing a PWA can provide your site with some extra SEO boost.
5. Better for Crawling
To make the crawling and indexing of your content effective is very important for the search engines. A well-implemented PWA is crawlable and indexable, thereby allowing search engines to see all the valuable content.
Progressive Web Apps vs. Traditional Websites: A Comparative Advantage
To truly understand the progressive web app benefits, it’s essential to compare them with traditional websites.
Feature
Traditional Websites
Progressive Web Apps
Speed
Slower, reliant on network
Faster, thanks to caching
Offline Access
Limited
Full offline capabilities
Push Notifications
Not available
Fully supported
User Engagement
Moderate
High, with app-like features
SEO Potential
Moderate
High, mobile-first and fast
The ability to combine the strengths of both web and app platforms makes PWAs a must-have for businesses aiming to improve both user satisfaction and SEO rankings.
How PWAs Enhance Digital Marketing Strategies
Digital marketing is an MCN that converts visitor eyeballs to memorable loyal customers. Progressive web app development goes one notch up to support marketing objectives in very many ways.
1. Creating Personalized User Experiences
Personalization is the real secret behind effective marketing. PWAs give brands the ability to tailor experiences across push notifications and personalized content. For instance, an e-commerce platform may notify users for personalized deals, abandoned cart reminders, or restocking of products.
2. Improved Accessibility
PWAs are lightweight applications that can directly be accessed via a URL, with no app store downloads required. This is less friction in the customer's journey, enabling more users to interact with your brand.
3. Offline Functionality
Imagine a customer browsing your store while traveling in a poorly connected area. With a PWA, they can still pull up your product catalog or content while offline. This continues and increases customer engagement, building trust and loyalty.
4. Cost-Effective
Building a single PWA will, in most scenarios, be cheaper than having native apps developed separately for both iOS and Android systems. Engaging with a progressive web app development company would aid businesses in more ways than one by cutting down the overall costs in development and maintenance and at the same time gaining maximum reach.
5. Cross-Platform Compatibility
PWAs run well across devices and platforms and provide consistency in experience for users. This great reach will further help you amplify your marketing efforts and engage with a heterogeneous audience.
Real-World Success Stories
Let’s look at how businesses have achieved success with PWAs:
Twitter Lite: The PWA version of Twitter reduced data consumption by 70% and increased user sessions by 65%.
Trivago: The hotel search platform implemented a PWA and observed a 150% increase in user engagement.
Flipkart: India’s largest e-commerce platform saw a 70% increase in conversions after launching its PWA.
These examples demonstrate the transformative potential of PWAs in driving user engagement, conversions, and business growth.
Steps to Build a High-Performing PWA
Follow a strategic approach to development for maximizing the potential of PWAs for businesses. Here is a step-by-step guide:
1. Choose a Reputable Progressive Web App Development Company Partnering with experts ensures your PWA is built with best practices, ensuring optimal performance and SEO compatibility.
2. Mobile-First: Designing Immediately, as most users access the web through their mobile devices; the mobile website design should be good at intuitive navigation and mobile-friendly responsiveness.
3. Service Workers Enable Offline Functionality: The cache also brings the needed resources to load faster. That way a user has a seamless experience regardless of network conditions.
4. Optimize Your PWA for SEO: Improve the chances for search engines to find your Progressive Web App through structured data, meta tags, and HTTPS.
5. Compatibility Testing Make sure that your PWA functions correctly in different browsers and devices. Conduct regular testing to find and fix any minute bugs.
The Future of PWAs in Digital Marketing
PWAs have been brought up earlier and hence possibly will change the way digital marketing is done by some great odds in the near future. Here are a few things to look at:
Integration with AI: Future PWAs might be using AI to maximize hyper-personalization of end-user experiences and better develop their possibilities as marketing tools.
Curves of Expansion to More Industry Fellowships: Not only e-commerce and media have adopted PWAs; industries like healthcare, education, and finance are also taking note of them.
Innovations in Features: With the increase of the capabilities of web browsers, PWAs will deliver even more advanced features, further breaking the gap between web and native apps.
From an SEO and digital marketing perspective, Progressive Web Apps are not only technology but have become a business advantage. PWAs solve many problems of traditional websites and native apps by delivering fast, engaging, and accessible experiences. Such advantages obviously apply to any company, whether the startup or established, willing to dip into progressive web app development for direct, measurable results.
Thus, by establishing a partnership with one of the most prominent and experienced progressive web app development companies, you can develop a PWA that will bring the brand greater visibility, engage users, and enhance your search engine ranking. In an age when user expectations have reached unprecedented heights, PWAs furnish all the tools to meet those expectations and provide for long-term prospects for your brand.
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IDM TechPark In Erode
IDM TechPark: The Best Software Training Institute in Erode
In today’s competitive world, acquiring industry-relevant software skills is essential to build a successful career in technology. Whether you are a fresh graduate or a professional looking to upskill, choosing the right training institute is crucial. IDM TechPark in Erode stands out as one of the premier software training institutes, offering high-quality education and training that caters to the demands of the ever-evolving IT industry.
This comprehensive article dives into why IDM TechPark is the best choice for software training in Erode, exploring its courses, teaching methodology, facilities, placement assistance, and more.
1. About IDM TechPark
IDM TechPark has established itself as a leading institute for software training in Erode. With a mission to bridge the gap between academia and the IT industry, IDM TechPark offers a wide range of courses tailored to meet the needs of students, professionals, and businesses.
Key Highlights:
Industry-aligned curriculum
Experienced faculty with real-world expertise
State-of-the-art infrastructure
Strong emphasis on practical learning
The institute focuses on nurturing talent and providing students with the tools they need to succeed in their careers.
2. Courses Offered
IDM TechPark provides a diverse range of courses covering various domains in software development and IT. Here are some of the most sought-after programs:
a) Full-Stack Development
Front-end technologies: HTML, CSS, JavaScript, React, Angular
Back-end technologies: Node.js, Python, PHP, Java
Database management: MySQL, MongoDB
b) Data Science and Analytics
Python and R programming
Machine Learning and AI
Data visualization tools: Tableau, Power BI
Big Data technologies: Hadoop, Spark
c) Mobile App Development
Android development with Java/Kotlin
iOS development with Swift
Cross-platform frameworks: Flutter, React Native
d) Cloud Computing
Amazon Web Services (AWS)
Microsoft Azure
Google Cloud Platform
e) Cybersecurity
Ethical hacking
Network security
Penetration testing
f) Digital Marketing
SEO, SEM, and content marketing
Social media marketing
Email marketing and analytics
3. Teaching Methodology
IDM TechPark follows a holistic approach to teaching that combines theoretical knowledge with hands-on experience. Here’s what sets their methodology apart:
a) Project-Based Learning
Students work on real-world projects to apply the concepts they learn in class, ensuring a practical understanding of the subject matter.
b) Industry-Ready Curriculum
The courses are designed in collaboration with industry experts, keeping in mind the latest trends and technologies.
c) Interactive Sessions
The institute fosters an interactive learning environment where students can actively participate in discussions and problem-solving activities.
d) Access to Tools and Software
Students gain access to premium tools and software, enabling them to work with industry-standard resources.
4. Faculty
The faculty at IDM TechPark consists of experienced professionals who bring a wealth of knowledge and expertise to the classroom. They have:
Real-world experience in top IT companies
Expertise in various domains of software development and IT
A passion for teaching and mentoring students
5. Facilities and Infrastructure
IDM TechPark provides a conducive learning environment with state-of-the-art facilities:
a) Modern Classrooms
Equipped with advanced audio-visual aids to enhance the learning experience.
b) Fully Equipped Labs
Dedicated computer labs with high-speed internet and the latest software for hands-on training.
c) Library and Online Resources
Access to a vast collection of books, journals, and online materials to support learning.
d) Collaborative Spaces
Dedicated spaces for group discussions, brainstorming, and project collaborations.
6. Placement Assistance
One of the standout features of IDM TechPark is its robust placement support. The institute has a dedicated placement cell that ensures students are job-ready and connects them with top recruiters. Key aspects of their placement assistance include:
a) Resume Building and Interview Preparation
Personalized guidance to craft impressive resumes
Mock interviews and group discussions
b) Industry Connections
Strong ties with leading IT companies help students secure internships and job placements.
c) Job Alerts and Career Guidance
Regular updates about job openings and career counseling to help students make informed decisions.
Top recruiters for IDM TechPark graduates include Infosys, TCS, Wipro, Cognizant, and startups looking for skilled talent.
7. Success Stories
IDM TechPark has a proven track record of producing successful IT professionals. Many alumni have gone on to work for reputed companies, while others have launched their own startups. Testimonials from past students highlight the institute’s role in shaping their careers.
8. Who Should Join IDM TechPark?
IDM TechPark is ideal for:
Fresh Graduates: Looking to kickstart their careers in IT
Working Professionals: Seeking to upskill or switch to a different domain
Entrepreneurs: Wanting to build technical skills for their ventures
Students: Aspiring to gain practical knowledge and certifications
9. How to Enroll?
Enrolling at IDM TechPark is a simple process:
Visit the Institute: Attend a counseling session to understand the courses.
Choose a Program: Select a course based on your interests and career goals.
Complete Registration: Fill out the application form and pay the fees.
For more details, you can contact IDM TechPark directly via their website or phone.
10. Why Choose IDM TechPark?
Here’s why IDM TechPark stands out as the best software training institute in Erode:
Comprehensive and up-to-date curriculum
Focus on practical learning and industry readiness
Experienced faculty and state-of-the-art facilities
Strong placement support and success stories
Conclusion
In the fast-paced world of technology, staying ahead requires continuous learning and adaptation. IDM TechPark in Erode offers the perfect platform for aspiring IT professionals to gain the skills and knowledge they need to thrive in the industry. With its robust training programs, experienced faculty, and excellent placement support, IDM TechPark has rightfully earned its reputation as the best software training institute in Erode.
Whether you’re just starting your career or looking to upskill, IDM TechPark provides the resources, guidance, and opportunities to help you succeed. Enroll today and take the first step toward a rewarding career in the IT industry.
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THE FUTURE IS SMAC SOCIAL, MOBILE, ANALYTICS AND CLOUD
Information technology industry have been trembling since past few years due to collected impact of social networking, mobile, analytics & cloud competing technologies. Then again in past couple of years, this mixture of technology is changing the trade model.
Today’s SMAC is ‘the fifth wave’ of IT architecture—is happening faster than anything that’s come before. By 2020, as many as 100 billion computing devices will be connected to the Web. And corporations will be managing 50 times the data they do currently. So SMAC will have a multiplying effect on businesses and increase productivity across the organization.
Social 76% of business are using social media for business objectives this year. Mobile 72% cited improved productivity as a driving factor in adoption of start mobile. Analytics 75% of executive are working to increase their company’s use of analytics. Cloud 92% are satisfied with their cloud based service & it increased by 2014
SMAC share of total IT budget for is social media 3.4%, mobile app & device 5.3%, analytics 10%, cloud 9.5%. SAMC will drive around 90% of all growth in IT market till 2020. By 2020, IT business will generate $225 billion revenue using SMAC. SMAC estimated to be between $70 billion & $200 billion over the next three years. In 2015, most app will sync, collect & analyze data about users & their social graph.
THE SMAC EFFECT
In all Industries across the business landscape, the SMAC is eroding the century-old blueprint of value chains and spawning new, highly distributed, virtualized business models. The power of this technology platform is in treating it as a stack, for its components have a multiplying effect when they work in combination.
Real World Examples
Using SMAC in Retail Retailers are strategically deploying the SMAC Stack across key business processes to combine the best of virtual and physical retail shopping experiences. Now a customer’s mobile device can signal store management while they’re shopping. Advanced analytics arm associates with the right knowledge about that shopper so they can provide more valuable assistance. And customers can compare products, get information and redeem targeted offers from the Cloud while in store.
Corporate auditors can collect, process and share critical product insights from a single device. With intelligent, powerful iPad applications, store visits become a lot more productive. Information about promotions, inventory, pricing, product placement and competitors is transferred digitally and stored in the Cloud for further analytics and processing. All of which drives smarter marketing strategies to increase sales.
SOCIAL
Social Social's vocabulary senses are community, cluster, collective, gathering, combined presence, schmoozing etc. So being social means networking with others and sooner or later with entire world. There are various channels for this communications and the channel in query here is Internet. In pre-internet eras, the channel of communication was face-to-face, newspapers, letters and phones. With arrival of internet, web centered interaction facilities began linking individuals. Social media is being used by so many people, which no other channel has accomplished in history, at this gauge.
Facts to Observation
Facebook has 1.3 billion live users, which is matching complete inhabitants of world's most densely inhabited nation- China. Paradoxically, Facebook is congested in China. 73% of grown-up Americans practice one or other social networking sites. 25% individuals on this globe use social media. This progress is further than 100% year-on-year.
Mobile
At the moment nearly all data and deal is accessible on mobile and people usage those to be dynamic and productive. Even, in isolated communities in developing markets, wherever there is no internet entree, individuals use basic mobile phones with black and white dis-plays for marginal communications like reserving train tickets, fund transmissions, disbursements etc. In underprivileged nations, several individuals through a community share a mobile phone to be linked. So, virtually everyone on this globe is linked by mobile phones.
Facts to Observation
7.1 billion People existing on this globe 6.6 billion mobile users Number of mobile devices are expected to be 10 billion by 2016 it would approximately be 1.5 times of world's population
Analytics
Analytics means methodical and efficient examination & study of available data and information. There is information all over the place causing into an excessive available information and data. All information cannot be used in available form for purposes like decision making. Analytics makes broad usage of mathematics and statistics to transform raw information into significant information which can help and support decision making process.
There are pre-packaged applications which assist organizations in analyzing their information and provide them important understanding of their information – such as consumer behavior, financial investigation, sales optimization etc. Merger of various analytics methods and approaches is referred as advanced analytics. Established on these several methods, Advanced Analytics supports in forestalling future results – such as forecast a machine botch and alert to escape interruption. As analytics says it can forecast upcoming, it is so enthralling.
Cloud
Humble denotation of Cloud in framework of SMAC is usage of software applications as a provision without procuring them. Facility is presented distantly over internet and a usage rent is compensated to vendor. User does not require not buy and install hardware, soft-ware, network and infrastructure to start using the application without any spending, and pay according to usage of the application. A cloud centered infrastructure offers facilities from anywhere utilizing any machine at a far lesser usage rate.
It offers several other advantages such as usage of newest technologies, compact in-house IT workforce, and healthier prospects for invention whereas day-to-day processes actuality moved to cloud service supplier. Thus, receiving software facilities at lesser expense devoid of any capital expenditure brands cloud a rewarding choice for establishments to think through. Moreover, cloud is not only about the cost cutting, it is also about invention, entree to modern tools, on-demand availability and ability to scale-up and scale-down on the basis of requirement.
SMAC Influence
Establishments, in order to successfully run their companies, conventionally have been using several enterprise applications such as ERP, Project Management, Business Intelligence, CRM, BPM and many more. These applications are in practice for several years and function as mainstay of the establishments. Now this application collection is being challenged by some technologies from SMAC pile. Businesses have begun installing enterprise mobility and in-house Social Media applications. They are also bringing certain applications on private clouds.
At-least one technology of SMAC pile will be used by every enterprise. Business heads should be watchful of development in this pile and should not oversight the movement, as this technology pile will convert the way businesses are being operated. Therefore, this pile has high capability to upset their IT field. They should cautiously assess the influence from each of these technologies on their applications and implement consequently. Though, there is no instant implementation require to act in rush, but a cautious influence analysis is essential. Particularly for enterprise applications, the influence of this whole pile is high.
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Website Design Company in Erode | Bigil Toks Web Design in Erode | Web Designer
Bigil Toks is one of the leading Website design company based in Erode and digital marketing agency. We provide high-quality cost-effective web design services: website design, digital marketing, web design, SEO(Search engine optimization), web development, social media marketing, E-Commerce website design and app development. We also provide the best web design company for all type of website design in Erode, India.
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8 ways to optimize app server performance
You might already be losing customers if your app has been loading for more than two seconds.
Consumer patience is eroding as a result of the abundance of options available today, and if your app takes more than a few seconds to load, few customers will be willing to wait. Apps with few interruptions and waiting times are in high demand. In a study conducted by Amazon almost ten years ago, it was discovered that a 100-millisecond reduction in page loading time resulted in a 1% rise in sales. One can only imagine what those figures will be like in today's world, where the majority of our daily activities – from work to play – take place online.
A slow loading time is akin to a death sentence for an app at a time like this. And server performance is one of the most common causes of slow app loading. Optimal server performance is essential for a fast-loading and smooth-running app.
Choosing the right server An app server, in essence, creates an atmosphere in which applications can run and accomplish their goals. The server serves as a conduit between the end user and the backend, responding to user requests and delivering web pages.
To ensure that your app server provides flawless results, you must first select the appropriate server. Choose a high-quality hosting server with a powerful CPU, plenty of RAM, and plenty of room. You'll also need a load balancing server that can respond to changing traffic and volume patterns. A server with good scalability is important, and it should be able to scale up and down without compromising performance. This means it should be able to manage hundreds of thousands of queries per second during high traffic periods and then return to normal capacity when traffic levels drop.
Optimizing app server performance
Even if you have the right server, bottlenecks will inevitably occur at some stage. Apart from being prepared for them, it is prudent to take steps to prevent them from occurring in the first place. App server optimization eliminates bottlenecks and ensures that the app runs smoothly at higher traffic levels. Here are some suggestions for improving the efficiency of your app server.
Usage of reverse proxy server
A reverse proxy server relieves a server of some of its responsibilities. It sits in front of the application-running computer and manages internet traffic. It provides an internal network that manages communications more quickly because it is directly connected to the internet. This eliminates the need for the app server to wait for users to connect with the web app. Instead, it can concentrate on generating pages that the reverse proxy server can send out in response to user requests, allowing it to operate at maximum speed.
Usage of Load balancer
Using a few smaller servers instead of a single large one and adding a load balancer to them is one of the simplest ways to boost server capacity dramatically. The load balancer will allocate incoming requests to the appropriate server using a collection of pre-defined algorithms, keeping response times low and the app running smoothly. By distributing the load equally, load balancers prevent a single server from being overburdened. The same load balancer can also help with SSL termination, static file caching, and HTTP/1.x and HTTP/2 support.
Caching the content
Caching is one of the most effective ways to minimise load times because it physically brings the content a user needs closer to them. By storing commonly used data in the browser cache, the user may access it immediately. And if a user hasn't accessed a file in a while and it isn't cached in the browser, the content can be cached on a server near the user instead of transferring throughout continents. Caching, when performed correctly, can dramatically improve loading times and increase user interaction.
Optimizing ssl and tls helps SSL (Secure Sockets Layer) and TLS (Transport Layer Security) protocols are now used by a growing number of websites and are so widely favoured that Google has made it a ranking criterion. SSL and TLS, on the other hand, significantly slow down efficiency and pace. As a result, optimising them becomes a critical component of app server optimization in order to keep the app running at a high pace. This can be accomplished by using OpenSSL or running on standard commodity hardware. Other methods for optimising SSL/TLS and speeding up the app server include session caching, session tickets or IDs, and OCSP stapling.
Compressing the data works You should start using compression standards like JPEG and PNG for images, MP3 for audio, and MPEG4 for videos right now if you haven't already. These principles aid in the compression of data and the reduction of file sizes, making data transmission much simpler and quicker. Smart file compression can also be used to reduce the bandwidth requirements of text-based content such as Javascript, HTML, CSS, and others.
Get the updated software always
Software is continually evolving and upgrading. Software developers are actively working to patch bugs and add new features that will help you have better service. Using the most recent version is a simple and easy way to improve app server efficiency, react to users quickly, and increase user engagement.
Constantly monitor performance
After you've spent the time, effort, and money to cover all of the above bases, it's critical to track live activity in real time to ensure that your app server is performing at its best. You may encounter issues such as ‘the server is down,' ‘the server is overloaded, and connections are dropping,' and ‘the server is sending incorrect content.' Real-time monitoring allows you to figure out what's causing these problems, fix them, and take steps to avoid them in the future.
Conclusion
We have mentioned how to optimize the app server performance and brillmindz as a best mobile app development companies in dubai we make sure that we take all of this into consideration where a expert team looks after these things
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Web Design & Development Agency in Erode | Creative Websites
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Taiwan’s unlikely path to public trust provides lessons for the US
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Taiwan’s unlikely path to public trust provides lessons for the US
By Rorry Daniels As the world continues to struggle with managing the myriad challenges of the COVID-19 pandemic — public health, economic, socio-political — Taiwan’s response has stood out as a model of excellence. Contributing factors well-covered in the media include an early and forceful response and the integration of tech tools with new rules and procedures. But while Taiwan’s policy decision making process since January 2020 is a commendable feature of its response, the roots of its success in implementing those decisions were in the making for years. Taiwan was suffering from extremely low public trust in government when President Tsai Ing-Wen came to power in 2016, due to complaints manifested in the Sunflower Movement opposing the Ma Ying-jeou administration’s more opaque approach to managing cross-Strait relations. The movement’s occupation of the Legislative Yuan for more than three weeks in 2014 and its success in pausing the cross-Strait trade services agreement buoyed Tsai’s electoral victory in 2016 and gave new energy to citizen participation in politics, including the formation of new political parties. However, that election was no panacea: Increased citizen participation did not lead to a bipartisan reconciliation between the two major parties, nor did a change in political power ease cross-Strait tensions. In fact, quite the opposite — identities hardened on both partisan extremes (although the number of non-partisan moderates grew) and cross-Strait exchanges were increasingly shut down as Beijing sought to, in its view, deter Tsai’s Democratic Progressive Party (DPP) from taking further steps toward de jure independence. The thrust of disinformation campaigns — which Taiwan analysts and others attributed to mainland China’s malign activities — further targeted public trust in government, generally, and in President Tsai, personally. During the 2018 local elections, Tsai was accused of fabricating her academic credentials, and photos featuring her campaign activities were doctored to insinuate, for example, callousness in the face of natural disasters. Is any of this sounding familiar to U.S. readers yet? Although problems of tone and accuracy in public discourse are shared across many democracies and open societies, Taiwan views eroding public trust as an extension of its main existential threat — absorption or hostile takeover by Beijing. Because the threat of public distrust is so salient, Taiwan has taken drastic but extremely innovative measures to address disinformation and to expose its constituencies to the sometimes difficult realities of policy decision making at all levels of government. The cycle of trust and transparency built through these measures very likely contributed to compliance with COVID-19 protocols and eased anxieties about personal protective equipment availability. And the best part of Taiwan’s experience is that it can be replicated elsewhere, including in the United States. In 2016, Tsai appointed the autodidactic and endlessly tech-savvy Audrey Tang as a minister without portfolio; she assumed the title of digital minister in 2018. Minister Tang took the position under some curious conditions for a high-ranking government official — she would have no access whatsoever to classified information and would insist on releasing a transcript of every conversation held in her official capacity. Furthermore, Minister Tang developed a practice of reserving an entire day each week for “open office” hours, in which anyone could bring a problem or issue related to governance to her attention. The goal was to reduce the space between policymaking and citizen participation. The methods, including the ones above and others, were formed through the Taipei-based g0v (gov-zero) global movement, which seeks to “fork” the government. This isn’t a euphemism taken from scripts of the TV show “The Good Place” to sanitize a familiar four-letter word, but a process of taking government-issued information and making it more visually and contextually accessible to average citizens. So, for example, it might involve creating visually appealing and interactive tables and graphics for government budgets, in which one could see the proportion of various spending categories or click through to find the specifics of a spending program. The methodology involves creating a copy of “.gov” pages with a “.g0v” web address, releasing the revamped content and working toward integrating that content back into the .gov address, with much of this work being done by interested volunteers. In this way, forks in the path eventually re-merge to marry the accessible content back into standard channels. A major aspect of transparent digital governance is to both find and build upon consensus. As tech researcher Carl Miller outlines in detail, citizen hackers of the g0v movement worked with local officials to build a platform — Pol.is — which aggregates consensus rather than emphasizing division. There is a gaming element to these interactions as citizens attempt to frame issues and phrase statements in a way that attracts the greatest consensus. Not only, as Miller points out, can these statements then be translated into effective domestic policy, but there is also a data trail justifying this policy direction and proving that detractors were indeed the outliers and not the mean. The loudness, or weight, of the argument is in consensus, not in invective. Using technological tools and meeting people where they are “at” digitally also helped to reduce space between officials and citizens. Great efforts were made to stream all public forums and to include online participation; methods that Minister Tang found contextualized policymaking for locals, allowing citizens to listen in real time as officials went through the pros and cons of any specific decision. These interactions resulted in greater empathy for both public servants and between neighbors. It brought elements of conflict mediation into public discourse. Another replicable aspect of Taiwan’s digital security push is its response to disinformation campaigns. Data-driven analysis from the Taiwan government’s partnerships with Line, Facebook, and the Internet Fact-Checking Network (IFCN) shows that counter-disinformation techniques have the greatest impact when they happen very quickly — within one hour of the disinformation going viral. After about five hours, there is almost no impact to responses, although the malign information can live online and recirculate for 18 months or more. But the features of public communication common to official statements are often lost in translation to the general public because of their formality or because of being buried in the signal-to-noise ratio of social media discourse. Taiwan has a two-pronged solution for these challenges. First, it has embedded creative teams — graphic designers, comedy writers, etc. — inside government ministries to make memes challenging disinformation. Second, it has dedicated channels to report suspected disinformation directly to the relevant ministry, whose representatives are required to craft a response as soon as possible — ideally within 60 minutes, to meet the window of impact. In some cases, Taiwan has worked with citizen hackers and social media companies, like the very popular Line, to add fact-check-bots directly to their app or to further investigate fake pages and likes. Another challenge of the social media world is that much of the disinformation is shared in closed groups like alumni associations or family networks. Bringing the response directly to where the interaction is happening — through in-program reporting and through potentially viral responses from the government — helps to bridge the gap between privacy protections and policy response. Is any of this sounding good to U.S. readers yet? Of course, no strategy to build trust in government can paper over real governance problems, like the disorganization and competing priorities evident in the U.S. response to the COVID-19 crisis. Governments that do not fulfill their basic function to provide security and prosperity for citizens will not regain trust through clever jokes and hackathons. And no one, including the most dedicated Taiwan civil servants, has a clear remedy for how to address those who knowingly share disinformation because of the emotional satisfaction that the story provided, even if they suspect the content is false. More work needs to be done on these fronts. But it is possible that there is more to governance challenges than is immediately apparent, and that leaning into a radically transparent form of governing — one that embraces citizen participation, trusts its audience to parse or at least understand policy trade-offs, and meets constituencies in the platforms and communication styles of the digital era — can bring trust in U.S. government back from the abyss. And, as recent papers and articles have argued, restoring trust in the American model is one of the biggest policy challenges of the next generation. None of these methods are particularly costly, especially when compared to the alternatives. Now is the time to familiarize ourselves with Taiwan’s digital governance success and adapt the methodology into what works for the U.S. system. Taiwan may not have fully eradicated social polarization, and it still faces growing pressure from Beijing, but its people are demonstrably safer and its government stands at the forefront of 21st-century opportunities and challenges as a result of its innovative policy choices. Brookings is committed to quality, independence, and impact in all of its work. Activities supported by its donors reflect this commitment and the analysis and recommendations are solely determined by the scholar.

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Top 3 Myths About Digital Identity in Healthcare

By GUS MALEZIS
Healthcare is in the midst of a digital transformation, creating information security, compliance, and workflow challenges. The engagement of an increasingly decentralized workforce along with anytime anyplace healthcare and the proliferation of cloud-based applications, databases, and mobile devices have now (or soon will have) eroded the once well-defined network perimeter.
The healthcare industry remains one of the most highly targeted for cyber-attacks – a recent report from Beazley Breach Insights showed that, 41 percent of all breaches in 2018 occurred in the healthcare sector. This means that, going forward, healthcare organizations must pay particular attention to cybersecurity and do so without restricting or compromising access to the systems and services providers and patients are now using and may do in the future. A successful cybersecurity plan requires these organizations to focus on establishing and managing trusted digital identities for all users, applications, and devices throughout the entire extended digital healthcare enterprise – from the hospital, to the cloud, and beyond.
Why are modern hackers targeting healthcare? Because they can, and they have the opportunity to do so! Hackers also know the value of the data stored within provider systems. Today, medical records fetch up to ten times more money on the dark web than the average credit card.
Healthcare IT professionals are scrambling to shore up security and ensure system availability while supporting the complex workflows of their providers. However, the rapid pace of healthcare’s digital transformation along with the rapid growth of service locations and the integration of cloud apps and services creates an inescapable challenge.
In our new digital world, we see a series of “planes” that are expanding rapidly:
Today’s healthcare systems, and those of the future, have a much more extensive and expansive population of providers – both formal employees as well as visiting staff, interns and locum tenens – all of whom require access to IT systems and data if they are to be productive and efficient.
Providers are now operating from multiple locations, more than ever.
Patients are requiring more digital services – with access to their chart, their physician, scheduling and a plethora of other services, all from the convenience of their smartphone, or browser – from any location and at any time.
The number of devices and applications – both on-premises and in cloud – is exploding. Nursing station systems are now augmented by mobile systems, smartphones and tablets.
Healthcare organizations must now protect privacy across a complex network of people, technology and information – and while there are other planes to consider, those noted above are enough to send the average HIT architect, CIO and CISO into…a dark room.
In this new environment, digital identity is critical and an opportunity to leapfrog. Yet common myths persist. To help healthcare organizations build out an architecture of trust, let’s break down some common misperceptions about digital identity and better understand what digital identity is – and what it isn’t.
Myth #1: You have a trusted digital ID
Fact: No, you do not have a trusted Digital ID, possibly with one exception. Digital identities may seem like a simple concept, yet ask most people what their digital identity is, and they’ll likely ponder the question, and perhaps offer their email, a device, or an IP address – and that’s just one piece of a much larger puzzle. Yet none of these are verified or trustworthy identities. How do you really know if the person behind that device or email is who they say they are? How do they prove it?
The one exception would perhaps be your bank client number. Before a bank will offer you an account or a credit card they will collect a set of data on your person, which will then be used to verify your identity. Only when the bank is satisfied of your identity will they provide you with a client number – your trusted Digital Identity – usable for that institution, and that only. So, if you have a bank account – and most of us do – you do have a trusted digital ID, yet it is strictly used for that bank and not beyond. So, while you may have several IDs unless you’ve been identity proofed for EPCS, or some government institution, you do NOT have a usable trusted digital ID.
In our digital age, we must trust a digital identity – much like we trust a driver’s license or passport in the physical world. “Trust” means a reliable way to validate digital identities across disparate devices and channels. Establishing this trust requires creating trusted digital identities and then maintaining, modifying, and monitoring them as needed. Key components include onboarding and provisioning, dynamic access management based on changing roles, attributes and permissions of each trusted identity, and off-boarding and de-provisioning when an identity is no longer part of the organization.
A digital ID is not something that just exists; it must be created with trust and other attributes, must be managed, protected, secured, and shared in the appropriate conditions. It is this trusted digital identity that will be your gateway of simple efficient access to our ever-expanding digital universe.
Myth #2: Multi-factor Authentication is complicated, Will Take More Time
Fact: The next generation of 2FA and MFA are virtually invisible. The idea of using multi-factor authentication (MFA) isn’t new. Banking has successfully incorporated identity-proofing by using multiple layers of quality verification. If you swipe your bank card at the ATM and then enter a pin or log into a website, for example, that sends a numeric code to your phone to access an account, and that is MFA in action. Ok., it’s an additional step or two or more – but it elevates security and trust and that’s a great outcome. Yes, it takes some extra clicks and that we should look to compress, optimize and eliminate if possible. Yet Security and convenience can co-exist.
With two-factor authentication, healthcare organizations can combat phishing attacks and safeguard patients and their electronic health records (EHR). Most cyberattacks are preventable by using a good two-factor authentication. By “good” we are probably moving away from SMS as the token presentation, knowing that this has become a relative insecure way of carrying the token, and looking at other methods such as secure token apps or fobs. Still, why are only 45% of organizations using it? Some hospitals fear inconvenience to their clinical workflows, but this concern is misplaced – multifactor authentication solutions can still be secure and convenient without compromising provider productivity. New approaches to MFA, purpose-built for healthcare, now leverage Bluetooth, biometrics, smartphone technology and other innovative technologies to eliminate any extra steps that may frustrate clinicians. These solutions are seamless and invisible and eliminate any potential to create inefficiency, disrupt workflow, or contribute to physician burnout.
New approaches to MFA, purpose-built for healthcare, now deliver “skip-2nd factor” or “Hands-Free 2nd Factor Authentication” and do so by leveraging Bluetooth, biometrics, smartphone technology and other innovative technologies to eliminate any extra steps that may frustrate clinicians. These solutions are seamless and invisible and eliminate any potential to create inefficiency, disrupt workflow, or contribute to physician burnout.
Myth #3: The U.S. is Unlikely to Adopt A National Digital ID Very Soon
Fact: In the US we are rapidly progressing towards a national trusted Digital ID.
Fact: Other countries around the world already have trusted Digital ID systems.
Government officials are now developing a solution for digital patient and physician identification. This past year, the U.S. House of Representatives voted to repeal a 21-year ban on funding for a national patient identifier – a number or code that would be assigned to every person, similar to Social Security numbers.
A unique patient identifier would link health and identity to avoid mix-ups between, for example, patients and physicians with the same name. Again, this doesn’t solve healthcare’s cybersecurity challenges on its own. And implementation certainly won’t happen overnight. Policymakers must first consider the best tools to use, such as biometric technologies. Many potential solutions also face resistance and skepticism from privacy advocates. Getting a program in place could take years.
Meantime, healthcare organizations can’t afford to wait. As the industry continues its shift to digital and increasingly becomes more connected, the challenges only grow. Protection must advance apace with technology. Digital identity will play a crucial role in protecting organizations, but solutions must be convenient, flexible, and purpose-built to meet the unique, demanding, constantly changing security, compliance, and workflow challenges of the modern healthcare enterprise.
Gus Malezis is the President and Chief Executive Officer of Imprivata, where he continues his strong track record of delivering growth and innovation for leading technology and security companies such as Tripwire, McAfee, and 3Com
The post Top 3 Myths About Digital Identity in Healthcare appeared first on The Health Care Blog.
Top 3 Myths About Digital Identity in Healthcare published first on https://venabeahan.tumblr.com
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Top 3 Myths About Digital Identity in Healthcare

By GUS MALEZIS
Healthcare is in the midst of a digital transformation, creating information security, compliance, and workflow challenges. The engagement of an increasingly decentralized workforce along with anytime anyplace healthcare and the proliferation of cloud-based applications, databases, and mobile devices have now (or soon will have) eroded the once well-defined network perimeter.
The healthcare industry remains one of the most highly targeted for cyber-attacks – a recent report from Beazley Breach Insights showed that, 41 percent of all breaches in 2018 occurred in the healthcare sector. This means that, going forward, healthcare organizations must pay particular attention to cybersecurity and do so without restricting or compromising access to the systems and services providers and patients are now using and may do in the future. A successful cybersecurity plan requires these organizations to focus on establishing and managing trusted digital identities for all users, applications, and devices throughout the entire extended digital healthcare enterprise – from the hospital, to the cloud, and beyond.
Why are modern hackers targeting healthcare? Because they can, and they have the opportunity to do so! Hackers also know the value of the data stored within provider systems. Today, medical records fetch up to ten times more money on the dark web than the average credit card.
Healthcare IT professionals are scrambling to shore up security and ensure system availability while supporting the complex workflows of their providers. However, the rapid pace of healthcare’s digital transformation along with the rapid growth of service locations and the integration of cloud apps and services creates an inescapable challenge.
In our new digital world, we see a series of “planes” that are expanding rapidly:
Today’s healthcare systems, and those of the future, have a much more extensive and expansive population of providers – both formal employees as well as visiting staff, interns and locum tenens – all of whom require access to IT systems and data if they are to be productive and efficient.
Providers are now operating from multiple locations, more than ever.
Patients are requiring more digital services – with access to their chart, their physician, scheduling and a plethora of other services, all from the convenience of their smartphone, or browser – from any location and at any time.
The number of devices and applications – both on-premises and in cloud – is exploding. Nursing station systems are now augmented by mobile systems, smartphones and tablets.
Healthcare organizations must now protect privacy across a complex network of people, technology and information – and while there are other planes to consider, those noted above are enough to send the average HIT architect, CIO and CISO into…a dark room.
In this new environment, digital identity is critical and an opportunity to leapfrog. Yet common myths persist. To help healthcare organizations build out an architecture of trust, let’s break down some common misperceptions about digital identity and better understand what digital identity is – and what it isn’t.
Myth #1: You have a trusted digital ID
Fact: No, you do not have a trusted Digital ID, possibly with one exception. Digital identities may seem like a simple concept, yet ask most people what their digital identity is, and they’ll likely ponder the question, and perhaps offer their email, a device, or an IP address – and that’s just one piece of a much larger puzzle. Yet none of these are verified or trustworthy identities. How do you really know if the person behind that device or email is who they say they are? How do they prove it?
The one exception would perhaps be your bank client number. Before a bank will offer you an account or a credit card they will collect a set of data on your person, which will then be used to verify your identity. Only when the bank is satisfied of your identity will they provide you with a client number – your trusted Digital Identity – usable for that institution, and that only. So, if you have a bank account – and most of us do – you do have a trusted digital ID, yet it is strictly used for that bank and not beyond. So, while you may have several IDs unless you’ve been identity proofed for EPCS, or some government institution, you do NOT have a usable trusted digital ID.
In our digital age, we must trust a digital identity – much like we trust a driver’s license or passport in the physical world. “Trust” means a reliable way to validate digital identities across disparate devices and channels. Establishing this trust requires creating trusted digital identities and then maintaining, modifying, and monitoring them as needed. Key components include onboarding and provisioning, dynamic access management based on changing roles, attributes and permissions of each trusted identity, and off-boarding and de-provisioning when an identity is no longer part of the organization.
A digital ID is not something that just exists; it must be created with trust and other attributes, must be managed, protected, secured, and shared in the appropriate conditions. It is this trusted digital identity that will be your gateway of simple efficient access to our ever-expanding digital universe.
Myth #2: Multi-factor Authentication is complicated, Will Take More Time
Fact: The next generation of 2FA and MFA are virtually invisible. The idea of using multi-factor authentication (MFA) isn’t new. Banking has successfully incorporated identity-proofing by using multiple layers of quality verification. If you swipe your bank card at the ATM and then enter a pin or log into a website, for example, that sends a numeric code to your phone to access an account, and that is MFA in action. Ok., it’s an additional step or two or more – but it elevates security and trust and that’s a great outcome. Yes, it takes some extra clicks and that we should look to compress, optimize and eliminate if possible. Yet Security and convenience can co-exist.
With two-factor authentication, healthcare organizations can combat phishing attacks and safeguard patients and their electronic health records (EHR). Most cyberattacks are preventable by using a good two-factor authentication. By “good” we are probably moving away from SMS as the token presentation, knowing that this has become a relative insecure way of carrying the token, and looking at other methods such as secure token apps or fobs. Still, why are only 45% of organizations using it? Some hospitals fear inconvenience to their clinical workflows, but this concern is misplaced – multifactor authentication solutions can still be secure and convenient without compromising provider productivity. New approaches to MFA, purpose-built for healthcare, now leverage Bluetooth, biometrics, smartphone technology and other innovative technologies to eliminate any extra steps that may frustrate clinicians. These solutions are seamless and invisible and eliminate any potential to create inefficiency, disrupt workflow, or contribute to physician burnout.
New approaches to MFA, purpose-built for healthcare, now deliver “skip-2nd factor” or “Hands-Free 2nd Factor Authentication” and do so by leveraging Bluetooth, biometrics, smartphone technology and other innovative technologies to eliminate any extra steps that may frustrate clinicians. These solutions are seamless and invisible and eliminate any potential to create inefficiency, disrupt workflow, or contribute to physician burnout.
Myth #3: The U.S. is Unlikely to Adopt A National Digital ID Very Soon
Fact: In the US we are rapidly progressing towards a national trusted Digital ID.
Fact: Other countries around the world already have trusted Digital ID systems.
Government officials are now developing a solution for digital patient and physician identification. This past year, the U.S. House of Representatives voted to repeal a 21-year ban on funding for a national patient identifier – a number or code that would be assigned to every person, similar to Social Security numbers.
A unique patient identifier would link health and identity to avoid mix-ups between, for example, patients and physicians with the same name. Again, this doesn’t solve healthcare’s cybersecurity challenges on its own. And implementation certainly won’t happen overnight. Policymakers must first consider the best tools to use, such as biometric technologies. Many potential solutions also face resistance and skepticism from privacy advocates. Getting a program in place could take years.
Meantime, healthcare organizations can’t afford to wait. As the industry continues its shift to digital and increasingly becomes more connected, the challenges only grow. Protection must advance apace with technology. Digital identity will play a crucial role in protecting organizations, but solutions must be convenient, flexible, and purpose-built to meet the unique, demanding, constantly changing security, compliance, and workflow challenges of the modern healthcare enterprise.
Gus Malezis is the President and Chief Executive Officer of Imprivata, where he continues his strong track record of delivering growth and innovation for leading technology and security companies such as Tripwire, McAfee, and 3Com
The post Top 3 Myths About Digital Identity in Healthcare appeared first on The Health Care Blog.
Top 3 Myths About Digital Identity in Healthcare published first on https://wittooth.tumblr.com/
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Rethinking Notifications with Data Science
This post was written by Betaworks lead scientist Suman Deb Roy and was originally posted on Medium
How Digg Bot finds stories for your favorite topics
A year and half ago, the Notifications Summit was held at Betaworks to deliberate on many key ideas: the push and the pull, notifications as a primary interface, as a meta-app, utility of the lock screen, deep linking, filters etc. There was growing consensus that notifications could become an operating system for the information age, a beacon in the attention economy.
The attention economy has transformed many industries, but none more severely than news media — where a clear oversupply of information has overwhelmed consumers. The larger an information landscape becomes, the more pressing is the demand for actionable and relevant content. This hyper-relevancy is the principal challenge notification systems face.
Somewhat counter-intuitively though, it is only by monitoring and analyzing this entire information landscape that great notifications can be created, because only then can relevance be calculated as a synergy between the world and the user — an elusive attribute of actionable notifications.
Digg Bot notification for the topic “bitcoin”. If you subscribed to this topic, notifications about it might appear on the lock screen (left) and in Facebook Messenger (right) when you open it.
Luckily, Digg has data of the entire information landscape. Each day, Digg aggregates almost 7.5 million unique urls through its various products: Digg Reader which tracks 8 millions of RSS feeds, Digg Deeper that listens to 2–3 million Twitter users and Digg Channels comprising of focused topic pages. This means Digg observes a comprehensive chunk of media produced on the Web every single day, giving it unique potential at notifications technology.
In this post, I’ll explain how we are thinking about notifications at Digg using our messaging services, including topic subscriptions in the news bot, algorithms and heuristics that generate notifications and some results/data we are seeing from this feature.
DiggBot’s Notification Feature
We soft-launched Digg alerts on our Facebook Messenger bot on August 2nd, 2016. Since then, Digg Bot has sent over 34,037 notifications for hundreds of unique topics or keywords to users. Subscribing to a topic in Digg Bot is relatively easy. Just search for any word/phrase and the last card in the carousel will let you subscribe to it.
Alternately, you can add/edit/remove topics from your subscriptions at any time by typing manage subscriptions. When you add/follow a topic, you might receive push notifications comprising of important stories in the topic.
While you can follow traditional beats like politics or technology, the real value of a notification system is in more granular topics, which could range from obsessions like climate change to entities like beyonce or tesla. As an example, I subscribe to artificial intelligence news and these are some notifications Digg Bot sent me.
Notifications for “Artificial Intelligence”. If an important story in your topic breaks after 9pm or before 8 am, we might send them as silent pushes.
You can also subscribe to even finer sub-topics within concepts like artificial intelligence, e.g deep learning. Feel free to track specific entities related to sub-topics as well, such as the company Deepmind that is related to AI. Digg Bot’s algorithm adjusts itself based on the volume and velocity of stories associated to the topic’s generality and sends relevant pushes featuring a representative link related to the topic.
The coolest thing about a notification system is the ability to set up granular alerts about sub-topics. Instead of subscribing to all NBA news from ESPN, you could just get notifications about the Golden State Warriors. Instead of being bombarded with financial news from one publisher, you could configure Digg to notify you about certain companies only.
Digg’s Notification Algorithm
To generate relevant notifications, we must first calculate how pertinent a story is to the user at that moment. This depends on three factors — (1) how important the story is globally, (2) importance of the story in the user’s own world, and (3) time and attention-impeding capacity of an alert. While the first factor can be handled by editors efficiently, in reality, people don’t always care about everything newsrooms want them to care about at that very moment — because urgency is a deeply personal thing. Thus, factors 2 and 3 are hard to balance without intelligent technology.
Time is an inescapable attribute of intelligent notifications. Unfortunately, many popular machine learning solutions begin to wobble when we introduce this exact criterion into the equation — time. Features that appear paramount in static analysis of systems can get eroded when the same system is observed dynamically.
A singular ML framework can be hard to personalize in this regard, because the algorithm needs sophistication to model temporal variations of human attentiveness to news and information. Thus, there are three keyalgorithmic ensembles we employ to address this:
1 . The Trending Ensemble: A group of algorithms that determine the trending nature of a story, characterized by how much attention it is receiving in the social and news media. It is optimized for multi-modal signal monitoring, early detection, and considers accumulative opportunity cost plus seasonality.
The result is every article ingested gets a DiggRank, indicating its trending nature in the world. You can check the current trending articles in Digg Bot.
2. The Clustering Ensemble: Multiple learning algorithms that determine if two separate news articles are part of the same story /event. This addresses a regular irritation with news alerts — duplicate pushes from different outlets about the same story. The clustering ensemble is optimized for detecting consolidated media coverage, diversity and syndicated associations. The result is that all links covering the same story are grouped together in a cluster.
When news about Youtube’s live-TV service broke, about 10–11 media outlets covered it. This gif shows how all those related stories from different publishers were clustered and displayed in Digg’s technology channel.
The clustering ensemble also manages three important situations:
Story Development: As more media outlets write about a story and it develops, the semantics of article titles and descriptions change (if there is new information) — causing the cluster to split. The algorithm determines if the fresh articles in the news cycle is different enough to represent a story update and big enough to be pushed eventually.
Unverified Trends: This addresses a significant hassle in the age of breaking social news — the popular yet unverified story. Recall that last year, a single fake news story triggered safety alerts on Facebook. Some of the best information systems might be vulnerable to media hacking. Thus, consolidated media coverage (via clustering) is a heuristic for verifying hoax stories.
Editorial Expertise: The algorithm has to select one article from the cluster of similar links to be featured in the push notification. If there is a link in the cluster that Digg editors have featured on the front page, it could be prioritized as the representative article of the notification.
3. The Info-Sphere Ensemble: Just because a story is alert-worthy, does not mean it needs to be pushed now. Untimely pushes create ambiguity and a wrong sense of urgency. The final ensemble is a policy network — whose job is to determines if we actually push the story to the user right now or defer it to a later time, given a story’s importance.
The info-sphere ensemble attempts to simulate the information sphere of the user. A user can be subscribed to multiple topics of different granularity. Since the volume and velocity of incoming news for every topic is different, notifications must be modulated. Has the user recently received an alert about this topic? How many total notifications has she received in the last x hours? How surprising is it for stories in this topic to gain this much traction? On average, an individual subscribes to 4–5 topics. These questions are critical in assuring relevant yet non-invasive notifications.
Using these ensembles, Digg Bot has been flagging ~200 stories each day as alert-worthy, although we are noticing the aggregate number rise as more people keep subscribing to newer topics.
The overall number of notification alerts that Digg Bot flags each day. The algorithm went through a tuning spell from Aug 04–10, 2016 right after launch, which is why there was a huge spike and then trough. Tuning involves calculating the right thresholds and parameters once a system goes live, based on volume and velocity of incoming topical stories.
These 3 ensembles collectively give rise to some interesting flavors of notifications, depending on the topic categories you subscribe to.
Flavors of Digg Notifications:
(1) Mix of Breaking, Note-worthy, and Catch-up stories
We cannot emphasize enough the time-horizon of predictions or pushes that make alerts useful. Our priority isn’t necessarily to make notifications breaking, unless absolutely necessary. Instant is not always the best. Thus, the algorithm also calculates whether some topic stories are important but not big enough, so you can catch up with them in your “time-out” hours. This we call — the Digest.
The Digest comprises of top-ranked stories from a subset of your topic subscriptions. The topics chosen for push depend on the popularity of the stories within the topic and the frequency of alerts in that topic. For example, if you subscribed to Westworld (the TV show), these are some notifications (separate and digest) you would have received.
One of the many algorithmic tunings is to determine when something is breaking vs. socially popular vs. can be sent out in a digest. We understand that normal capability for media consumption (even for topics we are passionate about) varies but is possibly limited to pockets of time.
(2) The Obsession Stream
One of my favorite things to track is sports teams. But unlike traditional services that notify us about scores or high-level topic news like NFL, I want to receive all relevant news at a much more granular level, like SEC football or golden state warriors. This liberates me from following multiple services or receiving irrelevant noise about the entire beat.
For example, I follow Real Madrid— these are some notifications I received.
As you can see, alerts about sports teams or players can cover different attributes: new contracts, transfers, injuries, player awards and even amusingly popular memes.
(3) Instantaneous & Incidental
While I am ok to receive certain topic stories later in the Digest, other news pieces must be known in the moment. Certain topics, especially those related to sport teams, players, celebrities or companies, have an element of live in them. Reminding/informing users about critical events during a game or perhaps an earnings call stands out as a much beloved feature.
Here’s some notifications for Real Madrid with a live component in mind:
Sometimes, we forget when a game is about to start. I also like to be passively reminded of the score for a game I missed, instead me explicitly going online to check for it.
(4) Non-Invasive yet Noticeable
Occasionally, your tracked topic stories won’t be big enough for mainstream newsrooms to cover, but could be huge within your own world. An algorithm must decide which of your topics have big enough stories to tell — and when.
We realize you don’t always have free time to consume media, but the best technologies require the smallest amount of attention. For example, assume I follow the topics bots, artificial intelligence, real madrid, data science, westworld , etc., — how can it be compiled to consume later?
Digest is a notification that makes use of the carousel format and is sent during break hours — before/ after work hours for commute or during a potential lunch break. The goal is to sync with the diurnal fluctuations of our news consumption capacity.
Whats Next:
Digg Notifications is a synergy of three ensemble algorithms — the first ensemble proactively monitors millions of media signals, the second determines which signals are semantically similar, and the final ensemble personalizes the push based on socio-temporal patterns.
More concepts: We have been noticing a steady rise in the number of unique users subscribed to at least one topic. This also means the number of unique keywords Digg Bot sends notifications for is increasing.
Rising number of Digg Bot topic subscribers month-by-month (left). Growth in unique keywords that people are subscribed to (right). The highest subscribed keyword in every month is annotated in the chart.
Currently, 66% of subscriptions keywords are unigrams, 26% are bigrams and ~6% is trigrams. We noticed that multi-grams are sometimes names of sport teams, or blended concepts like apple vs google.
Tracking sectors: By using subscription topics intelligently, you can also track sectors of industry — such as tech companies, clean energy, celebrity news, sports leagues, political issues, manufacturing in Asia etc.
Notifications generated for 4 tech companies each day. Interestingly, we found users also subscribe to the content type/sectors via publishers names, e.g., subscribing to "tmz” to capture all breaking celebrity news.
API: Behind every bot functionality is an API. Digg’s notification technology is also available as an alerts API. You can subscribe to any company, person, or meta/hybrid topics and get alerts when something noticeable happens. The rate of alerts, ranging from always-breaking to always-digest, is easily customizable in the API based on your requirements. Additionally, you can turn off /customize notifications for individual topics at will in the Digg API.
In this age of limitless data, the goal of notification systems should not be to addict. Instead, it should help us live our lives better with the information we want. Notifications is a fundamental way to process infinite information, and will serve as the lowest layer of conversational intelligence.
You can subscribe to topics on Digg Bot here. For questions/ comments about the Notifications data or Digg Api services, please reach out to [email protected]
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rattling rats from PRC surveillance.
Sep 15, 2018
these days pestered by upper floor's rats a lot. they had access to PRC telecom's account administration and frequently closed my Internet connection. since last week it totally shutdown my Internet after they failed to intercept my vpn traffic. in 2 days my dorm fiber optics broken, I had to rely on my mobile cellular data. at first I thought it would soon resume. later I thought might be I forgot to hand over Internet fee due to busy workload around salary day this month. waited to Monday I recharged my dorm Internet and found it wasn't caused by my account deficit. my account valid still cut out of service by PRC Internet cop. late Monday my fiber optics network restored after filed connection failure complain. in the harsh I bought my son a second mobile, a product of HTC, Taiwanese digital producer, for the price too attractive. after broke neck looking forward twice, first time a cheap bolt version then replaced our order to HTC 10 for popularity and max compatibility, we got it. then misled by online developer's community, I upgraded is OS to android 8 and unable to unlock its boot loader. I tried all means, in wilder sought for replace its verizon bundled OS with custom rom which easier and user friendly. after so many tries, I finally turned it brick when trying flash its boot loader. after nearly half month relentlessly sought settling it, now I had to wait the vendor repair it in another half month. this is a peaceful sunny morning. it's not too bad, isn't it, God dad, after so many best buy in this Summer and Autumn? I felt so bounty with these equipment and ready tools. in every sense of office and warehouse, I had it. this month also saw my younger brother sent us moon cake when lunar Mourning Day coming. I shared some with my concerned people around the dorm. it's bountiful, too. I also talked first time to my nephew, ie. second son of my 2nd elder brother, since his marriage broken and refused female in his life as his mom rumored when a year before my elder sisters shared their lunar Spring festival with us. my elder brother carefully protected his dear son not to hurt by reckless chatter, but this time he allowed me talked with his innocent kid. I urged him not to give up enjoying life, material living. I demonstrated my workspace I gathered in my half life, with my recent satisfactory. my nephew listened a lot, admitted his continue efforts to carry on family life. I also told my elder sister my complacent upon this year's purchases. I fearless under espionage around trying paralyze my workspace, humiliated me by torn apart my vpn and secure web. God dad, the rats on upper floor made relentlessly noise when I worked. rid me off the hazard sooner. bring me sooner my Royal China, bring me my Crown Queen, Asoh Yukiko, from Japan. bring me sooner my new family and house. grant us, esp my concerned son, woz, his enjoyable school experience. violent dark web of PRC trying these days to afraid me, let them fear, scatter their mob. God dad, save us in faith securer.
Aug 27, 2018
dreamed in my hometown I likely in my vacation. the village driver, the only son of passed carpenter, asked me to find my younger brother to help him drive for an event. I open my proud book I reading which full of symbols and very precious legacy, to search my younger brother's phone number. it soon settled and all happy with that. my brother in dream already a nearly millionaire with his mills. the dream very vivid after I got up. I intended to blog it at once around 6am. but the upper floor's insane PRC surveillance, likely a freaky, made sounds warned me the under skin espionage, so I would rather wait. the state backed agent not only surveillance me, but also every chances attempted to terrify me with its psychotic: recklessly closely approaching me and coercing me with relentless noises it can make on the thin sensitive floor with chair, stride, nail, bump etc at every synchronic moments beside wall. last week we refreshed with my younger brother's loan for monthly cinema and dine out. he previously attempted to detain my help cry, refused twice my mobile calls when I tried to change our broadband capacity, which requests ï¿¥500 but in fact that's dirty cheat from unqualified chinatel staff while in its official office next week the crew girl charges free to change our plan for 200MB/s within a data bundle discounts to 82CNY/mon includes mobile data limitless. my mean brother each time reluctant to draw his purse for me, usually in cause not to admit my investment or deluxe lifestyle. I had previously determined to carry out the data plan change on my own. so when he buzzed back claiming he had been accompanying his son to park and missed my calls, I told him nothing special. but he was listening, so I told him my story: my son's mobile 4G data plan deficits in his morning exercise while playing with his pals outdoors and I intending upgrade to speeder broadband for the sake of modern fiber optic broadband and time saving on internet time lapse. he almost defied it in hurry to close talk to drive. returned to dorm, I felt I hardly cope the expenditure with my poor salary. so I messaged him he can loan us ï¿¥800 as he previously admitted to help me repair my erode tooth base. he replied he only responsible for my living, not my other costs. I waited a night. next day I sms him in rage about our ancestor's legendary: Ming Dynasty's 1st prince tried to use imperative force to restrain his blood sibling, killing family love with ruling power, which only resulted in disastrous himself suicide in Royal city he inherited from his grandpa, Founder of Ming Dynasty, with his all fondness and fidelity. I didn't expected reply nor reward. but next next day when I search all means to pay groupon for my son monthly cinema and dine out, I found my brother already remit us 1000 CNY 2 days ago. I had previously check my financial account several times and never gained. so I doubting if my brother aid's arrival date hacked by state intelligent agency, just trying defying power of my persuading and prophet. after all, the ï¿¥1000 let us so plenty in entertainment and business capable: I renewed zho.io for 2 more years with our domain registrar, equip myself another ssd of 128GB for scenarios like copying larger file fat32 forbidden. It's just too wonderful to be constrained in scarcity. last weekend, I also overnight worked out to switch our old chromebox OS from chromeOS of google to open source chromiumOS, which adorably native supports Android apps, even google play store. Sunday night I non-break 6 hours to re-flash my son's new zonfone 3 with custom rom world developers contributed, after found previous OS let down chinatel gsm calling and sms. even finally I didn't fix sms and calling failure, but LTE data at least working, allowing us making full potential of our new data plan with chinatel: no limit of data! and my son's wifi heavily under PRC surveillance attacks, almost all internet traffic through the router disabled vpn. we badly sought auxiliary channel to evade deadly blockage in falling PRC wasteland cyberspace. God dad, bring us sooner our viable work space, secure our growth independently, out of entrenched by state backed hackers. bring me sooner my Royal China for relieve all trapped Chinese in felling PRC. bring me my Crown Queen from Japan, Asoh Yukiko, for unites Japan and China after turbulent world war 2, for ambitions 2 nations manifested in centuries, in tears, glories an proud, in likage of language. grant our workload meaningful and intact through ruin of PRC dictation, rampant fires of national revolts in insanely depressed and depravity.
Aug 17, 2018
dreamed my university era artist friend, Benba Chungdak. at first with his friend Li Moufeng, in the campus I familiared. then in Benba's house or my house we at leisure. my son joined our conversation. Benba in dream now a well know artist. we talked a lot. my son trusted our guest and learned. my dorm internet under a new wave of surveillance and breakin attempts. I already gave up router but client, which also sometimes unstable. new weekend arriving, there is a new blockbuster PRC granted to import, Antman 2. my son chose it from 2 other optional USA films on show recently. he also delayed my invitation to visit my dorm this weekend, rather he will invite his peer into his house, likely for gaming and entertainment. It's a cool morning. wardless web turns so hard to archive now. I more and more speechless now, amid hardship tyrant PRC exerts upon my living sphere. there are more state intelligent agents in QRRS Dorm surrounding my room here to surveillance me 7*24, costly on PRC fragile totalitarian treasury. God dad, how long we will wait for the overturn, I in faith of the future out of burning campfires among insanely pressed domestic nations. in bitter reality, I hope it fosters revolution rips us off the poorly endangered dictation. bring me sooner my Royal China. my Crown Queen from Japan, Asoh Yukiko, come and overturn my prison our enemies engulfed. live us freedom, so to China bitchy mob, jobless riot. game changer, Dad God, let out the active agenda for the sake of better China. thx God, survivor is U.S.
Aug 12, 2018
last night watched a talk show of Jeff Bezos, founder of Amazon. his easygoing charactor deeply touched me. turth of life, of fortune, of mission, expand in front of me. in dawn dream, I worked for him, then in army, both reveals truth, or secret of success, course inchangeable. aging let me harder now to memorize dream, but its scenario conforts me. it's a boring morning. the ugly lesbian again lingered in the shabby neighbor room chattering, pretending she had a job there. the whole dorm administrative team moved from their offices seperate into the dorm, mimic my office in dorm. they can't believe they doomed to lose their jobs. their cheap copycat deprives their means of living. they are all thieves in fact, or robbery of innocent. the room in my upper direct floor likely occupied by state backed intelligent agent. they constantly made noise in key situations trying to coerce me. my new chromebox frequently encountered abnormal quit, likely hacked by PRC government online. my son last night just returned from his mom's hometown journey. they visited again the woman's relatives in their hometown, a small town hours away by train. I hope my son enjoy it but affraid he was hijacked by his stupid mom in fact. hours later I will reunite him for lunching out and shower in spa weekly. my new chromebox not only securer, but largely changed my workflow and efficiency. I now consume news most of workday, rather than prevously only in the begining of moring, restricted by portable device for desktop windows might fail me in its insecure. last night I check my alipay credit, found my installment total near ï¿¥900, which much a relief for my monthly return alipay ï¿¥1300 and stumbled about uncommon expenditure. made clear of debt base, I immediately recharged our mobiles fee, around 300 CNY. God dad, lift my dependence on my local loaner, who might turning reluctant. grant us a richer salary this month for I due to pay some extra bills including medicine, clothes, etc. secure my worksapce with findings, revealing truth our mission concerns. bring me sooner my Royal China, my Crown Queen from Japan, Asoh Yukiko, for ease of living. let me stay in self-contain upon life stream and social motivation. guarantee my cyberspace publishing booming and plenty of self-rely.

via Blogger https://ift.tt/2NIjavg
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How Can Fintech Platforms Develop a “Human Contact”–& Why Does it Matter?
The pandemic drove an unprecedented wave of curiosity in on-line monetary providers, seemingly each out of necessity and curiosity.
On the one hand, people who could have beforehand relied on monetary providers that have been offered in individual have been all of a sudden compelled to change to digital platforms. As brick-and-mortar banks closed their doorways, their digital counterparts have been the one possibility.
Then again, nevertheless, the mix of widespread lockdowns with an elevated concentrate on issues within the world financial system appears to have modified peoples’ relationships with their private funds. For instance, on-line investing platforms throughout the board appear to have onboarded waves of latest customers since March.
Whatever the motive, nevertheless, the very fact is that customers are interacting with fintech platforms on a extra widespread stage than ever earlier than.
Because of this, monetary providers firms are upping their sport in terms of their B2C fintech choices, constructing out new services and products at a document tempo.
Nevertheless, because the digital fintech world more and more dominates the strategies wherein individuals work together with fintech platforms, the variety of services and products is just nearly as good as a platform’s presentation. Individuals who beforehand dealt with most of their monetary enterprise in-person could really feel put-off and alienated–and even confused and defeated–by one thing like a banking app.
This is the reason creating and sustaining a “human contact” in fintech is extra necessary than ever. As monetary firms more and more transfer their B2C operations on-line, how can prospects’ interactions with fintech platforms keep a private contact?
“Belief and relationships are constructed between individuals, not individuals and machines.
Adam Reynolds, chief government of Saxo Markets, advised Finance Magnates that he believes a human contact within the digital fintech world is “extraordinarily necessary.”
A part of the rationale for it is because Reynolds has seen what can occur when issues go incorrect: “in Australia, a few of our largest firms have been so severely impacted by the pandemic that their offshore operations have been suspended, leaving many purchasers at the hours of darkness and unable to contact them,” he stated. “This eroded belief, which is a key ingredient in any relationship–gradual to construct up, and may be misplaced in a second.”
Adam Reynolds, CEO, Asia Pacific, Saxo Financial institution
Now that probably the most rapid disaster appears to be over, nevertheless, Adam says that “Monetary Providers are actually working the identical danger in the event that they lose sight of the significance of the human connection.”
“Belief and relationships are constructed between individuals, not individuals and machines. With out a human aspect to fintech, shoppers are much less geared up to make knowledgeable selections about their cash or knowledge, or really feel empowered and assured in adopting new applied sciences.”
It’s additionally necessary to keep in mind that for some prospects, the human interactions concerned with sure monetary actions are part of the worth of the expertise.
Eric Anziani, chief working officer at Crypto.com, advised Finance Magnates that for instance, “one of many explanation why senior residents nonetheless stroll to the financial institution twice every week and queue in line isn’t as a result of they’re incapable of acquiring cash in another approach: it’s as a result of they worth the human interplay and the private contact that comes from banking nose to nose.”
“That’s an necessary level to keep in mind when designing fintech platforms: your mandate to automate processes doesn’t have to come back on the expense of dehumanizing the expertise. Sustaining buyer help who can help customers after they get caught, whereas demonstrating that there are actual individuals behind the platform who really care, is crucial.”
The important thing to enhancing buyer experiences is including the ‘human contact’https://t.co/2xIcxLle34#banking #fintech #finserv #CX#digitalbakingreport pic.twitter.com/CMLcCfrwc6
— Jim Marous (@JimMarous) February 18, 2019
Eric Anziani, chief working officer at Crypto.com
Ranging from the highest down
What are the particular components of design that should be considered when engineering “human contact” right into a fintech platform?
Leena Iyar, chief model officer of enterprise interplay administration platform firm Moxtra, advised Finance Magnates that on the most simple stage, prospects and customers must know that their knowledge can be protected on fintech platforms. For fintech platforms that interface immediately with banks, that is additionally a matter of concern on the institutional aspect of issues.
“As a result of extremely private nature of the knowledge and the better cybersecurity danger inherently concerned, the primary key to propelling customer support efforts is that fintech options should show to banks and purchasers that their safety and privateness are top-notch and of the best precedence,” Iyar defined.
“A scarcity of well-thought-out functionalities can current dangers for purchasers and banks.”
A part of this contains customization: “fintech options should prioritize placing settings in place that tailor permissions for roles that mirror banking operations,” Iyar stated. “By imposing these boundaries inside the answer a exact administration system is created which offers the next high quality of service from the highest down.”
Leena Iyar, chief model officer of enterprise interplay administration platform firm Moxtra
Virtually human: synthetic intelligence performs an more and more necessary function in UX
Past top-notch safety, nevertheless, customers must really feel like there may be somebody–or moderately, one thing–obtainable to reply their questions and provide help every time they may want it.
Ivan Kot, senior supervisor at Itransition, advised Finance Magnates that “buyer expertise personalization as we speak requires real-time processing of ever-growing consumer knowledge,” which is “an unattainable feat for an worker, however a straightforward activity for synthetic intelligence (AI).”
Due to this fact, AI is enjoying an more and more necessary function on fintech platforms, particularly in terms of buyer relations: “the fintech business more and more depends on machine intelligence to sound ‘human’ in buyer interactions,” Kot defined.
To a sure extent, reliance on AI to deliver a human contact onto fintech platforms could also be efficient: “because of the current developments in NLP and machine studying, the fashionable chatbots and digital assistants can perceive prospects properly and maintain natural-sounding conversations with them,” he continued.
These developments have led to a proliferation of AI-powered chatbots on fintech platforms. “Right now, AI-powered chatbots and digital assistants are answerable for offering monetary help and buyer help in lots of fintech platforms,” Kot stated.
How #Chatbots Are #MachineLearning Their Means
To #HumanLanguage https://t.co/FVuWw0ZfOi #fintech #AI #ArtificialIntelligence #DeepLearning @ABridgwater pic.twitter.com/ujX5Rq3vM4
— Spiros Margaris (@SpirosMargaris) August 20, 2020
“This association has confirmed to be a win-win answer to date: purchasers are happy with 24/7 availability, pace of service, and stage of personalization, whereas enterprises can save staff effort and time for extra sophisticated duties.”
Ivan Kot, Senior Supervisor at software program growth agency Itransition.
Transferring past chatbots
Nonetheless, there’s no higher approach to develop a “human contact” than to have precise human beings obtainable on-demand.
“Transferring ahead, banks should look past generic web sites and chatbots, and seek for methods to offer a personalised expertise to purchasers via digital interactivity,” Moxtra’s Leena Iyar advised Finance Magnates.
For instance, “in response to purchasers being unable to fulfill in-person with their wealth administration groups, fintech platforms want to make sure their options have options that enable purchasers to connect with their relationship managers on-demand,” she stated.
That is significantly necessary in terms of fintech apps that basically act as “digital branches” for banks: “banking-client relationships are advanced and sometimes contain a number of events on either side, and options should enable for a heightened stage of responsiveness and transparency of providers,” Iyar defined.
“Banks have a sophisticated community of transferring elements, subsequently, one of many largest challenges is creating a digital banking ecosystem that organically delivers providers to customers, whereas concurrently scaling as a bank-as-a-platform.”
For banks, the final word aim ought to be that “every consumer ought to really feel as if they’ve an extension of the financial institution obtainable via digital channels.”
“Banks can ship this service expertise by providing a collaborative answer that merges in-person and digital experiences, via capabilities like safe messaging, digital signature, and a seamless monitoring of funds, transactions, and banking communications in real-time,” Iyar stated.
“By being able to handle all inner and exterior interactions in a single digital area, banks are provided a holistic view of their company portfolio, whereas concurrently offering an enhanced UX,” thereby “nurturing long-lasting relationships with purchasers.”
Leveraging consumer bases to create communities
In sure circumstances, fintech platforms may also leverage their consumer base to create a way of group inside their on-line operations.
Social funding app eToro, for instance, is likely one of the oldest examples of this: social interactions are an important piece of the platform, which was based in 2007.
“Once we based eToro, we needed it to change into a group the place individuals might share concepts,” defined Yoni Assia, the platform’s chief government, to Finance Magnates.
Due to this fact, “we constructed the platform as a social community for merchants and buyers, the place they’ll execute trades, but in addition see what others are doing and speak to one another.”
Yoni Assia, founder and CEO of eToro.
The social facet of the platform has additionally been leveraged to develop sure services and products.
For instance, “we introduced the concept of copy [trading] to the plenty, and it stays a key characteristic of our multi-asset platform as we speak. It permits you to copy trades of buyers you decide in proportion to the quantity you select to take a position and you may cease at any time,” Assia defined.
Whereas the identical form of group constructing and engagement could not doable on a banking app, per se, monetary firms should take into account how they’ll create safe methods wherein their customers can join with and help each other.
Engineering “moments of enjoyment”
Even the place social interactions aren’t essential or doable, nevertheless, Crypto.com’s Eric Anziani advised Finance Magnates that the UX of fintech platforms should transcend fundamentals reminiscent of simplicity and ease-of-use: they need to take into account their customers’ emotional reactions.
Particularly, “from a design perspective, it is advisable to be asking ‘how are you going to simplify the consumer expertise and create moments of enjoyment?’”, Anziani defined.
Due to this fact, in terms of one thing like simplification, UX designers should carry out a “delicate balancing act.”
For instance, ‘in the event you show too many decisions on display screen, there’s a danger of overwhelming your customers, whereas stripping issues again too far dangers leaving customers uninformed,” he stated.
“Primarily, you’re trying to information them via the method, whether or not that’s signing up, ordering a brand new card, or sending funds to a member of the family, utilizing refined cues and prompts which might be constructed into the consumer interface. You additionally wish to make sure the completion of necessary actions are acknowledged and celebrated. Maintain it clear and make it rewarding.”
Which platforms do you see doing a superb job of sustaining a “human contact”? Tell us within the feedback under.”
source https://www.financeary.com/news/how-can-fintech-platforms-develop-a-human-contact-why-does-it-matter.html
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