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Encouraged by the dramatic increase in the number of people with mobile phones in the developing world, new fintech players are attempting to disrupt the existing financial order in these markets: the money lenders and informal remittance services that often have been the only option for much of the population.
Facebook gave the French tech scene a vote of confidence on Tuesday by picking Paris as the location for its first start-ups incubator, a boost for the city as European capitals compete to attract firms post-Brexit.
"The actual path of a raindrop as it goes down the valley is unpredictable, but the general direction is inevitable," says digital visionary Kevin Kelly — and technology is much the same, driven by patterns that are surprising but inevitable. Over the next 20 years, he says, our penchant for making things smarter and smarter will have a profound impact on nearly everything we do. Kelly explores three trends in AI we need to understand in order to embrace it and steer its development. "The most popular AI product 20 years from now that everyone uses has not been invented yet," Kelly says. "That means that you're not late."
It’s awesome when everyone agrees, isn’t it? Yes—and no. Most of us have, at some point, fallen into the trap of groupthink to avoid conflict and promote harmony in a group, whether at school, work, or on a committee. Groupthink has its perks: everyone feels comfortable, and there’s no risk of tension among members. It’s safe. Easy. Unfortunately, it can also kills creativity and innovation.
The purpose of innovation and the job of pure ethnography are at odds. The purpose of innovation is to generate new value. You accomplish this objective with foresight, creativity and fresh thinking. The job of ethnography is to give insights about the past or present. Therefore, innovation aims for the future, and ethnography strives to stay rooted into either the past or the present. Simply put, it is a different lens, different way of seeing.
This time of year is full of meetings with leadership and teams in order to help them prepare for the year ahead. People discuss financial goals, sustainability goals, profitability targets, customer success metrics, and more, but there are also numerous research & development teams out there who are coordinating their annual innovation strategy who struggle in their process to create a cohesive innovation strategy.
The digital revolution has hit the insurance sector, with insurtech disrupting the entire value chain and customer lifecycle. New technology offers opportunities to redesign the customer experience, design new products and services, streamline processes, and increase effectiveness. The opportunities are huge; hence, they attract financial technology startups and drive investment. Accenture reports that in 2015, insurtech attracted approximately US $2.6 billion in investment, up from $800 million in 2014. According to CB Insights, $1 billion has been invested in insurtech in the first half of 2016, and there are over 1,300 startups in the insurtech space worldwide.
Nearly all executives have acknowledged the relevance of digitization and related trends, such as the Internet of Things, connectivity, and industry 4.0. However, the full impact of digitization has usually not been understood in detail. Moreover, most firms struggle to implement digitization initiatives successfully.
People have been dreaming about flying cars and holograms for years, dreaming about the future. Not many of us realize that with our little smartphones and nifty 3D printers, the future is already here. Technology has advanced rapidly in the last ten years and we’ve seen many wonders happen. From medical technology achievements to explorations in the outer space, the human race is evidently far from the humble beginnings of the Industrial Revolution back in the eighteenth century. Not quite convinced? Here are a few proofs that will show you just how far we’ve gone.
The revolution in self-driving vehicles has advanced faster than insurance companies can react to it. These cars introduce unique factors that must be integrated into the models that are used to set insurance premiums. At this time, coverage for self-driving cars is set using the same formulas as for traditional cars. Not long ago, there was a fatality involving the Tesla Model S. This occurred while the vehicle's Autopilot mode was active. The case brought new attention to the risks of using self-driving cars on the road, and insurance companies noticed.
Who are the people behind some of the best app development companies out there? Often, the mindset and direction founders give an agency will strongly determine their success and what it’s like to work with them and their company ethos.
Industry 4.0 or in other words the fourth industrial revolution is not only an up and coming trend in the German industry but with Industry 4.0 as the main theme at this years’ World Economic Forum it can be seen as a worldwide movement towards the future of manufacturing and industry. However, it remains unclear which industrial technology will lead the way to the future of manufacturing. By analysing patent numbers of the past six years for the core Industry 4.0 technologies, we can give an indication.
The list of problems that need to be solved is growing almost as fast as our solutions are. Some are concerned about the lack of food and water security, others worry about access to education and a whopping 45.2% of millennials think today’s most pressing problem is the destruction of natural resources. But with the proliferation of problems, organizations and enterprises are broadening their search for innovative solutions and many of them are looking to the crowd for ideas.
Cross industry learning, the transfer of technologies across industry boundaries, can revolutionize technology landscapes. We will illustrate the advantages of cross industry learning with a case study.
The role of data and analytics in identifying and engaging relevant audiences is as important to politics as it is to marketing. And not just in the United States. In the run-up to this year's French Presidential election — the first round of voting takes place in April — the independent centrist candidate Emmanuel Macron is leveraging technology to close the gap on his better known rivals.
The end of Moore’s Law is not a new issue. In fact, Meyerson argues that it first began unraveling in 2003, when insulating components within transistors began failing due to quantum mechanical effects. Since then, chip manufacturers have been finding new materials that are more resistant to decay in their basic atomic properties and progress has continued.
Happy New Year to you! I wish you an amazing 2017. Some people make a list of resolutions at the beginning of every new year. Whether you make a list or not, starting the new year is a good time to reflect.
It’s fair to say that natural beauty buffs are ingredients nerds. Once you start turning those bottles around to comb through the labels, it doesn’t take long to start deciphering what’s green and what’s not. Packaging on the other hand, is usually not under as much scrutiny.
Although ‘open innovation’ is the talk of the town in R&D circles, leveraging external sources of innovation remains challenging for most companies. In 2013, researchers Dr. Joel West (Keck Graduate, Institute of Applied Life Sciences) and Dr. Marcel Bogers (University of Southern Denmark) suggested a four-phase model for inbound innovation projects. They emphasized that open innovation needs to go further than just obtaining external ideas. Integration, commercialization and the interaction between the firm and its collaborators are just as important. This post explores the four essential steps towards open innovation success.
Every year at this time the market is buzzing with predictions of how health care innovation and venture investment will shape up in the new year. As we enter 2017, the market is substantially different than a year ago when unicorns were being anointed weekly and aspirational valuations defied gravity (and company performance). Pundits were scrambling to be the first to predict the bubble bursting.
These days, companies expect us to buy unfinished "beta" products and then spend our time helping them work out the kinks. Usually, this pays off because we don't notice minor flaws in the products, or aren't bothered enough to get our money back. We instead just lust after new gadgets, buy into the hype, throw so much money at the next big thing that companies promise even more products and features that they can't deliver on time.
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