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insPeer | 1er site d'assurance collaborative

insPeer | 1er site d'assurance collaborative | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Connectez-vous avec vos proches pour optimiser vos assurances dommages en cas de sinistre.
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Scientists Experiment With... Robotic Bacteria?

Scientists Experiment With... Robotic Bacteria? | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
MIT researchers are researching robotic bacteria that walk through human bodies that could help deliver drugs to different organs and even detect tumors. In a journal article published in Physical Review Letters, a team lead by Alfredo Alexander-Katz described how they could make robots reminiscent of 1980s science fiction movie Innerspace.

“We can make this thing walk and find regions where certain receptors are being expressed,” Katz said. “It could deliver drugs.” The MIT team paired two microscopic magnetic beads on an artificial surface, where they then moved from areas of low friction to areas of high friction. Made from mixtures of polymers and metals, the beads are the first step in creating microscopic machines which can be injected or ingested into the human body. Research into the next steps in the process will take years, but the technique shows potential for future discoveries.
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Roving chick spy keeps tabs on shy penguins

Roving chick spy keeps tabs on shy penguins | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
WASHINGTON (AP) — The newest tool for biologists is the baby penguin robotic spy.
It's pretty darn cute, and so convincing that penguins essentially talk to it, as if it is a potential mate for their chicks.
Emperor penguins are notoriously shy. When researchers approach, these penguins normally back away and their heart rate goes up. That's not what the scientists need when they want to check heart rate, health and other penguin parameters.
So international scientists and even filmmakers, led by Yvon Le Maho of the University of Strasbourg in France, created a remote control rover disguised as a chick to snuggle up to shy penguins in Adelie Land, Antarctica — the same place where the 2005 documentary "March of the Penguins" was filmed.
Researchers watched from more than 650 feet away.
The first disguised version of the rover, made of fiberglass, didn't pass muster and scared the real birds, Le Maho said.
Researchers tried about five versions until they hit upon the right one. It's covered in gray fur, sports black arms, and has a black-and-white painted face and black beak.
The penguins didn't scamper away and even sang to it with "a very special song like a trumpet," Le Maho said.
Le Maho suggested that the adult penguins were trying to find a mate for their chicks and they were listening for a response, but researchers didn't program the rover to make a sound.
"They were very disappointed when there was no answer," Le Maho said. "Next time we will have a rover playing songs."
At other times, the rover crowded in with a group of chicks, acting as "a spy in the huddle," Le Maho said.
There's a reason scientists want to use rovers. Some, but not all, researchers worry that just by coming close to some shy animals they change their behavior and can taint the results of their studies, Le Maho said.
Le Maho also used a rover without any animal disguise to spy on king penguins and elephant seals because those animals don't flee strangers. The king penguins attacked the small rover with their beaks, unless it stayed still, but that still allowed the device to get close enough to get readings. The large lumbering elephant seals didn't budge when the rover zipped by and around them.
In the future, the researchers plan to use a more autonomous robot to spy on the emperor penguins. The idea is to use devices on the rover to read signals from radio tags on the birds.
The study was published Sunday by the journal Nature Methods.
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4 ways #insurance CMOs can lead charge toward #digital transformation | PropertyCasualty360

4 ways #insurance CMOs can lead charge toward #digital transformation | PropertyCasualty360 | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
As insurance customers become more empowered, more demanding and more likely to switch providers, marketing will play a critical role in helping insurers attain their ambitions for growth. However, insurance chief marketing officers need to extend their vision of marketing and its scope, particularly with respect to digital transformation. 

Recent survey research conducted by Accenture among chief marketing officers found that many insurance CMOs are facing a crisis of confidence. Facing a volatile market where competition is coming from new rivals, new customers are scarce, and existing customers are increasingly fickle, insurance marketing executives see their marketing functions as ill-equipped to deliver the performance expected of them. Only 53% of respondents are confident that they can meet the performance objectives of their organizations. This was the lowest level of confidence of any of the industries surveyed. 

These executives also appear to be challenged to embrace digital transformation: Only 19% believe that their companies will be viewed as digital businesses five years from now. 

Not all insurance marketing executives see things the same way. In our survey, we found that high-growth insurers--those outpacing the industry’s average growth rates--place more importance on analytics and digital channels than those that are achieving lower growth. For example, 83% of high performers place great importance on data and analytics, versus 73% of low-growth insurers, while 41% of high-growth insurers said they find it easier to succeed with digital channels, versus 21% of low-growth insurers. One of the biggest disparities was in the importance placed on responding to the changing consumer, with 83% of high-growth insurers describing this as essential, versus just 47% for low-growth insurers. 

Insurance marketing executives recognize that improving customer retention and loyalty is their most important business issue, with 84% describing this as “extremely important” or “very important.” Despite this recognition, insurance marketers are not keeping pace with the market and technology trends that call for a new approach to the customer experience. Doing so requires a number of strategic and tactical initiatives.

To start, CMOs need to forge closer relationships with the rest of the C-suite, working as closely with the COO and the CIO as they do with the sales and customer services organizations. CMOs need to establish marketing as central to what will become an enterprise-wide digital ecosystem, with multi-channel, personalized experiences for each customer. And they need to embrace--and own--the full omni-channel customer experience, engaging customers in an ongoing dialogue instead of individual transactions. 

With the right relationships, strategy and digital ecosystem in place, CMOs can turn their attention to the following initiatives: 

1. Integrate channels with real-time analytics--and then act on the insights. Delivering the right marketing messages and the right product offering to customers in their preferred channels means leveraging analytics tools that enable micro-segmentation, product personalization and channel optimization. Insights should fuel integrated customer experiences that span online and offline channels. 

2. Invest in agile technologies and cloud-based services. Today’s technology--like today’s customer expectations--continue to evolve. “Test, learn and earn” is the new mantra, and insurers can take advantage of cloud-based technologies to move quickly and incrementally. 

3. Focus on winnable battles in the war for talent.  Insurers need to think carefully about which services the organization will handle in-house and which it will outsource to agencies and technology providers. Investment should be focused on building strong internal skills, processes and platforms in the areas offering the best possibilities for differentiating the customer experience. 

4. Reorient the marketing operating model and integrate new talent to harness digital innovation. New talent with skills in analytics, mobile, digital and other areas should be integrated in a way that produces different outcomes.  It does little good, for example, to plug analytics talent into a traditional marketing operating model when the organization really needs an integrated, end-to-end customer experience driven by analytics. 

Insurance CMOs--like insurance companies generally--must come to terms with a digital future. To achieve a successful digital transformation, C-suite executives in insurance companies will have to collaborate more effectively with each other.  They will need to bring in external partners to broaden the expertise at their disposal and expand their range of offerings. The CMO--who understands the brand, the customers and the products better than anyone--is a natural leader for this journey. 

 
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#Google VS #Amazon: Google Adopts Delivery-Service Model, Targets Amazon

#Google VS #Amazon: Google Adopts Delivery-Service Model, Targets Amazon | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Google Inc. is expanding its delivery service and will start charging a membership fee, intensifying its battle with Amazon.com Inc. for consumer spending.

Starting this week, Google will charge $10 a month, or $95 a year, for unlimited same-day or overnight delivery on orders over $15. Nonmembers will pay $4.99 an order, or $7.99 if the order costs less than $15. Until now, the deliveries had been free.

The service,...

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Teens Embrace Voice Search, Many Adults Feel "Like Geeks" Using It

Teens Embrace Voice Search, Many Adults Feel "Like Geeks" Using It | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
According to a voice search study commissioned by Google, the most smartphone-obsessed teens are using voice search every day. However many adults feel self-conscious or embarrassed when they talk to their smartphones.

The study found that 45 percent of US adults said they felt “like a geek” talking to their phones. (Yet this is what one does with a phone.)

The Mobile Voice Study, conducted by Northstar Research, polled 1,400 Americans over the age of 13 about their attitudes and usage of voice search. The study was not limited to experiences with Google.

Most of the findings released showed generally positive attitudes toward voice search. The press release and accompanying infographic emphasize the fun, playful dimension of speech on smartphones (22 percent of teens use it in the bathroom, etc.). However I suspect there are more “substantive” findings lurking somewhere that haven’t been fully released.

Among the publicly released data, the study reported that 55 percent of those under 18 years old use voice search daily. That number grows to 75 percent for those who are on their phones 11 or more hours per day.

Below are some additional data from the survey:

40 percent use voice search to ask for directions
39 percent dictate text messages with voice
32 percent initiate phone calls using voice commands
50 percent of Northeasterners use voice search at least once per day
The survey also asked respondents to pick something “you wish you could ask your phone to do for you.” Nearly half (45 percent) said “send me a pizza.” This is another “fun” finding. However it illustrates the desire to be able to complete tasks and conduct transactions rather than merely cull through blue links in a conventional page of results.

Google has been trying to adapt the search experience to the very different demands and expectations of mobile users. In turn this has resulted in many of the UI/UX changes that Google’s critics have complained about in Europe in particular (cards, “answers”).

Google has invested very heavily in speech recognition and voice search capabilities (and more recently “conversational search”) to keep mobile users engaged. Indeed, in the absence of voice search capabilities on Android, and to a lesser degree the iPhone, Google would probably be seeing many fewer mobile queries.

Stone Temple Consulting recently released a study comparing the performance of Google, Siri and Cortana (with voice query input). It found that overall Google outperformed the others in providing direct answers to questions.
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Smartphones VS Smartguys: #PhotoMath uses your phone's camera to solve #equations

Smartphones VS Smartguys: #PhotoMath uses your phone's camera to solve #equations | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Need a little help getting through your next big math exam? MicroBlink has an app that could help you study more effectively -- perhaps too effectively. Its newly unveiled PhotoMath for iOS and Windows Phone (Android is due in early 2015) uses your smartphone's camera to scan math equations and not only solve them, but show the steps involved. Officially, it's meant to save you time flipping through a textbook to check answers when you're doing homework or cramming for a test. However, there's a concern that this could trivialize learning -- just because it shows you how to solve a problem doesn't mean that the knowledge will actually sink in. And if teachers don't confiscate smartphones at the door, unscrupulous students could cheat when no one is looking. The chances of that happening aren't very high at this stage, but apps like this suggest that schools might have to be vigilant in the future.
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#WearableTech: Mystery startup Magic Leap raises $542 million from #Google

#WearableTech: Mystery startup Magic Leap raises $542 million from #Google | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
REUTERS - Magic Leap Inc, a startup focused on augmented reality technology, said it raised $542 million in a funding round led by Google Inc (GOOGL.O).

Little is known about Magic Leap's product, but founder and CEO Rony Abovitz said in February that his company's mission was to "develop and commercialize.. the most natural and human-friendly wearable computing interface in the world." (bit.ly/ZEocLU)

Investors in the latest round included Qualcomm Inc (QCOM.O), the world's No.1 mobile phone chipmaker, Andreessen Horowitz, KKR and Legendary Entertainment.

Sundar Pichai, senior vice president of Android, Chrome and Apps at Google, will join Magic Leap's board. Paul Jacobs, executive chairman of Qualcomm, will join Magic Leap's board as an observer.

A key part of Magic Leap's plans involves a wearable device that will track users' eyeballs and project images on to them, sources told technology blog Re/code. (on.recode.net/1FvLBQY)

Magic Leap says it can deliver a more realistic 3-D experience than those offered by current technologies including Oculus Rift, a 3-D headset maker, Re/code wrote. (on.recode.net/1tXLKnb)

On Oculus Rift and every other virtual and augmented reality experience, what the viewer sees is flat and floating in space at a set distance. What Magic Leap purports to do is make the viewer think they're seeing a real 3-D object on top of the real world, Re/code wrote.

Facebook Inc (FB.O) bought Oculus Rift for $2 billion earlier this year.

Florida-based Magic Leap said it would use the funds for product development, among other things.
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#UltrafastInternet : what'll be the next #KillerApp?

#UltrafastInternet : what'll be the next #KillerApp? | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Superfast Internet connections are likely open up new kinds of communication such as "telepresence" and improve services such as remote health care, a survey of experts showed Thursday.
The ultrafast connections, expected to be widely deployed in the coming years, can open up a range of possibilities by delivering "immersive" experiences and virtual reality, according to the experts polled by the Pew Research Center and Elon University.
"People's basic interactions and their ability to 'be together' and collaborate will change in the age of vivid telepresence—enabling people to instantly 'meet face-to-face' in cyberspace with no travel necessary," the report said.
Additionally, the report said that "augmented reality will extend people's sense and understanding of their real-life surroundings and virtual reality will make some spaces, such as gaming worlds and other simulated environments, even more compelling places to hang out."
The report is not based on a random poll, but instead an opt-in survey of people deemed experts or affiliated with certain organizations, taken between November 2013 and January 2014.
Pew invited more than 12,000 experts and others who follow technology trends to share their opinions on the likely future of the Internet and 2,551 responded to at least one of the questions.
The report focused on possibilities of "gigabit connectivity" or speeds of 1,000 megabits per second—around 50 to 100 times faster than the average fixed high-speed connection.
As some systems with these speeds are being deployed by Google and others, a number of Internet users have been questioning how useful these connections will be, the report noted.
The experts said they believe a "killer app" is likely to emerge, but it is not yet clear what that will be.
"As gigabit bandwidth becomes widespread later this decade, applications will emerge which exploit the combination of big data, GPS location, weather, personal-health monitoring devices, industrial production, and much more," said William Schrader, co-founder of PSINet Inc.
"Gigabit bandwidth is one of the few real 'build it and they will come' moments for new killer apps. The fact that no one had imagined the other killer apps prior to seeing them grow rapidly implies that no one can imagine these new ones—including me."
David Weinberger, a researcher at Harvard's Berkman Center for Internet & Society, said that with these connections, "There will be full, always-on, 360-degree environmental awareness, a semantic overlay on the real world, and full-presence massive open online courses. Plus Skype won't break up nearly as much."
Marti Hearst, a professor at the University of California-Berkeley, said the new connections means people will "play sports and music virtually, distributed, across the globe" and that some can have "virtual Thanksgiving dinner with the other side of the family."
Higher speeds will also lead to "higher adoption of telesurgery and remote medical support" and more sensor data from medical devices being collected and stored, according to Jason Hong of Carnegie Mellon University, who predicted "far better telepresence, in terms of video quality, audio quality (and) robotic control."
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Huge Flock of Minisatellites Aims to Photograph the Entire Earth Every Day | WIRED

Huge Flock of Minisatellites Aims to Photograph the Entire Earth Every Day | WIRED | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Tracking what’s happening on Earth from space is becoming more and more feasible as Earth-observing satellites increase in number and resolution. The USGS’s Landsat mission has an incredible 40-year record of the planet’s changing landscape, with virtually every spot imaged every eight days. It’s an incredible scientific asset. But what if you could see every bit of the globe, every single day? That opens a new range of possible uses for satellite imagery.

This is the mission of Planet Labs.

More Earth From Space:

Favorite Images From Landsat’s Amazing 40-Year Record of Earth From Space
These Are Some of the Most Amazing Views of Earth You’ll Ever See
The Nighttime Earth From Space Like You’ve Never Seen It Before
The 2-year-old company is launching dozens—71 so far—minisatellites, a veritable swarm (or flock, as they call it) of nimble imagers. This is a major departure from the prevailing model of designing a single, tremendously powerful (and expensive) Earth-observing satellite and rigorously testing it for years before launching it.
These conventional commercial satellites certainly have greater capabilities and higher resolution than the minisats. For example, Digital Globe’s new Worldview-3, launched in August, is capable of an incredible 31-centimeter (12-inch) resolution—high enough to clearly show small cars, manholes, and even mailboxes. The Planet Labs satellites provide around 5-meter (16-foot) resolution, but their strength is in numbers. Eventually, the company wants to have enough cameras (probably hundreds) in orbit to image the entire planet every 24-hours.

But these little satellites, which measure about 12 inches by 4 inches, have other big advantages.

They are cheap enough to be essentially expendable, so the company can risk sending satellites into space before they are perfected, and continuously update the flock with improved units as it learns from those it’s already launched. This drastically reduces costs by removing the need for rigorous testing to ensure a satellite will perform as expected in orbit—usually a multi-year process. If a minisat design fails or falls short of expectations, Planet Labs just sends up another, better one.

“We can do it small and cheap, so we can afford to take risks and push fast,” Planet Labs software engineer Frank Warmerdam said at last month’s FOSS4G conference on open-source mapping in Portland, Oregon.

The company also keeps costs down by launching minisats with anyone who will take them, into whatever orbit they’ll take them to. Having cameras at varying distances from Earth, however, creates a processing challenge when Planet Lab engineers try to stitch them together. The engineers also are working on eliminating cloud cover from their image mosaics. Once they have enough satellites in orbit and have collected enough overlapping coverage of Earth’s surface, they’ll try using algorithms to choose the best, clearest, least cloudy pixel for every spot.

Warmerdam presented their progress on the cloud problem to a packed room at the FOSS4G conference. He had hoped to have a cloudless global mosaic to show off at the meeting, but they’ve run into some challenging problems.

“One of the real challenges in putting together a mosaic isn’t just getting rid of the clouds, it’s getting rid of the cloud shadows,” Warmerdam said.

Once they succeed, they’ll have created an incredible new resource for tracking change on planet Earth.

To see more of their imagery, check out their gallery.
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Rest in Peace, #GoogleGlass: not so popular?

Rest in Peace, #GoogleGlass: not so popular? | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Whatever happened to all those people wearing Google Glass all over town? Many were all-in on the greatness of the product, wearing Google Glass to video podcasts, TV shows, and events.

Wearers were gung ho and constantly extolled the virtues of Google Glass. I wrote at the time that the entire product was a hoax. Although ridiculed for the column, one year later, in April 2014, articles began to appear about how all the early adopters stopped wearing the glasses because they were useless and led to personal ridicule. But there was more to it than that.

The sudden disappearance of Google Glass reminds me of a couple of other odd fads that came and went. The first was the overwhelming popularity of VCRPlus, a mechanism that allowed you to punch in a simple number into a video cassette recorder (VCR) for it to record a desired show. On the TV listings these numbers appeared almost by magic overnight in much the same way almost the way vinyl records disappeared from "record stores."

 


View all Photos in Gallery
This disappearing act also occurred with the once ubiquitous "keyword" employed by AOL. Everywhere you looked you'd see someone on TV, for example, saying "Keyword: NBC News." or some such thing. This again suddenly went missing—but wasn't missed enough for anyone to complain.

I was initially of the opinion that Google Glass suddenly vanished for many of the same reasons: a change in the landscape resulting in disinterest. But there was no real change. This disappearance was a little different. It wasn't outliving its usefulness like VCRPlus and keywords; it was negative social pressure that made them go.

In some ways this is a shame since a number of Google Glass applications still being developed could be useful for customer service and other business applications. Now they'll probably never see the light. Personally I'll be surprised if Google does not pull the plug on the product within the next 12 months.

The social pressure came directly from the public. People found these devices insulting and rude. In some ways they reflect the naiveté of Google itself. The company has exhibited a very cavalier attitude towards individual privacy.

The users who didn't realize that it was rude to wear these info-glasses must have found out soon enough when they'd hear complaints from people on the street, or worse, the ultra-expense Glass was grabbed off their face. I simply wouldn't talk to anyone wearing Google Glass until they took them off. There was nothing confidential or personal that could be discussed with anyone wearing the device. You'd be foolish not to assume the conversation was being recorded. You may as well pull out an HD video camera and start recording when you were chatting. It was an imposition.

I've wondered if there would ever be a time where Google Glass and other "smart glasses" are going to be generally acceptable to the public-at-large. With security cameras everywhere combined with unapologetic government surveillance of law-abiding citizens, adding Glass is just too much. They turned out to be a straw the broke the back of the privacy camel's back. With news of people wearing Glass being assaulted the product was doomed.

No one needs friends acting as if they were agents of the government, perhaps streaming your image and words directly to the cloud during what should be casual conversation.

Can Glass ever be revived? Is there anything that could popularize them? Perhaps if some famous popular icons began to wear them, they might become cool. But most celebrities have already concluded that the glasses are dorky. Google will never understand the mechanisms needed to make them desirable.

It is time to just kiss this little product goodbye, for good.
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#ConnectedHouse #IoT #Apple TV gets #HomeKit functionality via update

#ConnectedHouse #IoT #Apple TV gets #HomeKit functionality via update | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Apple TV might just be the best platform you’ll have for a connected home. An update to the software today shows how Apple could leverage the device to make HomeKit reliably cool. If you’ve got Apple’s set-top box, it may be your go-between for controlling your home from your smartphone.

The HomeKit functionality has been spotted before, but this is the first time Apple has officially included and acknowledged it. The HomeKit support will use iCloud and CloudKit as the backend, and use Keychain to keep paired keys handy.

Once you log in to iCloud from the Apple TV, the box is registered as a remote access device. That not only gives you the ability to check on your HomeKit stuff from anywhere, it lets you control them from your couch.

HomeKit in the Apple TV software may end up being a precursor to a hardware refresh soon. Apple hasn’t touched the Apple TV hardware in some time, though CEO Tim Cook says Apple TV is a big part of their efforts.

Rather than serve as some sort of new TV format, it looks as though it may be an all-around home device.
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#Assurance #Digital Remplir son #Constat #Auto avec #GoogleGlass #CaissesEpargne

#Assurance #Digital Remplir son #Constat #Auto avec #GoogleGlass #CaissesEpargne | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Caisse d’Epargne souhaite faciliter les démarches de ses clients en cas d’accident de voiture, à travers une application fonctionnant sur Google Glass et destinée à les aider à remplir leur constat, selon un communiqué publié mardi.

Le réseau bancaire n’en est pas à son coup d’essai en la matière, après avoir présenté en début d’année une première application permettant de transférer des documents dans un coffre-fort numérique grâce aux lunettes connectées du géant de l’informatique américain.

“Nous cherchons à innover, cela fait partie de nos lignes stratégiques. Nous sommes conscients que nos clients veulent une nouvelle relation avec nous et nous avons décidé de concentrer nos efforts autour du conseil et de l’accessibilité“, a expliqué à l’AFP Cédric Mignon, directeur du développement de la banque.

La date de mise à disposition de l’application pour le grand public n’est pas encore connue, les Google Glass n’étant pas encore disponibles en France. Grâce à ce nouveau dispositif, l’assuré pourra être conseillé à distance par un opérateur, qui verra la même chose que lui grâce aux lunettes. Il pourra ainsi être conseillé pour remplir le constat et envoyer des photos du sinistre afin d’accélérer le traitement de son dossier.

Selon M. Mignon, “un constat sur deux est aujourd’hui mal rempli, l’accompagnement humain grâce à l’application permettra donc de corriger certaines erreurs en temps réel“.

Paris, 7 octobre 2014 (AFP)
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La tribune de l'assurance - Quelle place pour les agents généraux ?

La tribune de l'assurance - Quelle place pour les agents généraux ? | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Face à la montée en charge des comparateurs, les assureurs jouent désormais un rôle d'apporteur d'affaires en facturant les fiches de prospects à leurs agents généraux. Enquête sur cette nouvelle façon de vendre des contrats, qui bouleverse les politiques de distribution traditionnelles.

Personne ne peut plus ignorer le web aujourd'hui. Si ce monde attire, il fait également peur à certains. C'est le cas d'une partie des réseaux de distribution d'assurance dits traditionnels. Car ils ont longtemps vu en cette technologie un canal de distribution supplémentaire, et donc concurrent. Crainte également des compagnies face à une nouveauté susceptible d'ouvrir la porte à des entrants alternatifs. Après avoir tremblé, la France de l'assurance a-t-elle trouvé où placer le curseur et maîtriser ce canal ? Une grosse décennie après la tentative OK assurances, du groupe AGF, la realpolitik, synonyme de bon sens et d'intérêt collectif, a-t-elle pris le dessus ? En d'autres termes, les assureurs ont-ils su apprivoiser internet dans un contexte multicanal qui s'impose à eux ? Et surtout, quelle est aujourd'hui la place de l'agent général dans ce modèle ?

A l'heure où le digital s'est installé dans le quotidien des assureurs, il ne s'agit plus de savoir s'il faut l'adopter. Mais comment. Comment intégrer le web pour capitaliser au mieux sur son potentiel à fluidifier les processus, à renforcer l'interaction avec le client et, bien entendu, à recruter de nouveaux assurés sur les risques du particulier où la concurrence fait rage ? Dans un tel contexte, une simple erreur peut être fatale. On peut alors comprendre la prudence de Sioux affichée par certains porteurs de risques.

WEB PRESCRIPTEUR, AGENT VENDEUR Revenir en haut
Car après quelques tentatives infructueuses conduites à la fin des années 1990, le soufflé était retombé. Henri Debruyne, président du Medi, suit ce phénomène depuis l'origine et, de ce point de vue, y pose un regard avisé : « Les assureurs ont d'emblée considéré le net comme un canal de vente à part entière, au même titre que Direct assurance et autres Eurofil, qui s'appuyaient pourtant sur un modèle bien identifié ; les résultats n'ont pas été au rendez-vous. Il fallait cerner les fondements d'un tel échec et repartir mieux armé. »

Parmi les arguments les plus avancés pour justifier un tel revers, la volonté des clients de bénéficier d'un contact de proximité au moment de souscrire. « 70 % des internautes passent désormais au crible différentes offres sur les plates-formes de comparaison, puis se rendent chez un agent général, voire chez un courtier, en vue de souscrire leur contrat ; ils attendent une proposition pertinente de leur distributeur, qu'il soit dans une agence ou sur une plate-forme téléphonique », observe le président du Medi. Une analyse que confirme sensiblement Stanislas di Vittorio, président du comparateur historique en France, Assurland : « S'il est difficile d'évaluer l'influence du web sur les achats d'assurance, il est facile de mesurer le volume des ventes directes réalisé à travers ce canal : en assurance auto, il est de 10 %. Quant à la fonction de prescription de ces comparateurs, elle est désormais reconnue par toute la profession, y compris des assureurs, qui ne les aiment pas forcément, mais sont obligés de faire avec, car elles sont génératrices de leads. » Et de préciser : « Pour les demandes de mise en relation, il s'agit de véritables prospects qualifiés que le comparateur revend aux assureurs entre 15 à 20 €, sachant que les autres contacts sont revendus 5 €. »

Allant plus loin, Diane Larramendy, directrice générale de LeLynx.fr, positionne les comparateurs « comme un véritable canal de distribution à part entière. Ainsi, ces espaces ont engrangé 5 millions de devis autos en 2012 et 6 millions en 2013, sur un marché de l'automobile qui compte 32 millions de véhicules particuliers. Nos plates-formes sont devenues complémentaires des agents généraux dont ils reçoivent les prospects par compagnies interposées ».

STRUCTURE EN LIGNE DÉDIÉE OU IMPLICATION DU TERRAIN ? Revenir en haut
Face à la nécessité de prendre en compte les prospects issus du net et les échecs des tentatives de contourner les réseaux traditionnels, les compagnies se sont ravisées. Et ont décidé de composer avec eux. Comment ? En invitant leurs agents généraux à entrer dans le bal de la transformation des internautes en assurés. Car là où quelques grandes mutuelles sans intermédiaire ont tablé sur des plates-formes ad hoc de recrutement sur internet (Amaguiz pour Groupama et idMacif pour la Macif), les compagnies à réseaux traditionnels (exception faite d'Allianz France, qui dispose d'une structure web dédiée à la souscription en ligne, tout en intégrant ses agents au processus de transformation des prospects issus du web) n'ont eu d'autre choix que d'impliquer leurs agents dans la gestion des leads engrangés sur leurs sites réaménagés pour l'occasion (intégration de moteurs de tarification, géolocalisation des agents...), voire acquis auprès des comparateurs ou par le biais de leurs centres de contacts.

Le début de la décennie en cours consacre cette césure. Et le point de départ de négociations entre compagnies et agents généraux. Au menu, moult interrogations : comment traiter les leads recueillis sur le net ? Faut-il les affecter aux distributeurs ? A quel prix ? Comment les agents sont-ils rémunérés lors d'affaires nouvelles ou de renouvellements ? Comment les aider à apprivoiser un canal de l'instantanéité qui ne correspond pas forcément à leur culture ? Les réponses à cette problématique varient en fonction de la stratégie de chaque porteur de risques. Point commun entre eux : le fait d'avoir acté qu'il n'est définitivement plus opportun de se lancer à la conquête commerciale du web en solitaire. Capitaliser sur la proximité des réseaux, voilà le credo. Une position qui s'accompagne forcément d'une redistribution des tâches entre le tandem compagnie/agents généraux. Avec une formule inédite : l'une apporte les affaires, les autres se chargent de la transformation et de la fidélisation à travers la multidétention.

À LA RECHERCHE DU BON MODE DE RÉMUNÉRATION Revenir en haut
Mais alors, comment les assureurs se rémunèrent-ils par rapport à ces prospects qualifiés qu'ils acquièrent moyennant un coût non négligeable ? « Au départ de ce modèle, les porteurs de risques refacturaient la charge de l'acquisition de ces prospects à leurs réseaux d'agents, et charge à eux de les transformer en affaires nouvelles. Progressivement, une autre approche a fait son chemin : transformer le prospect en affaire nouvelle en centrale et redistribuer cette affaire au réseau, indique Diane Larramendy. Au-delà de cette nouveauté dans le système de rémunération, l'agent est facturé par la suite sur la base de la qualité de sa gestion, qui implique également sa capacité à élargir le portefeuille client grâce à une approche de multidétention. »

Qu'en est-il chez MMA, qui avait amorcé la vente sur le net en l'an 2000 ? La donne a changé depuis, constate Arnaud Julien, directeur multicanal et digital (lire ci-contre) : « Agents et compagnies, tout le monde a compris que le digital n'était pas forcément là pour grignoter les parts de marché ; il est devenu stratégique. Tout particulièrement, nos agents savent désormais que les modes de consommation ont évolué et, face à cela, nous devons jouer la carte de la complémentarité des canaux. Il n'y a plus d'affaires issues du web et d'autres d'une agence. Elles font l'objet d'un même et unique traitement. » Reposant sur la base du volontariat, ce modèle, élaboré il y a deux ans, a déjà séduit plus de 95 % des 1 200 agents généraux que compte MMA. Sachant que la multidétention apparaît comme un facteur de fidélisation du client, « nous la préconisons à nos agents généraux dans le cadre de nos négociations sur la transformation des leads en assurés », conclut Arnaud Julien.

Chez Swiss Life, la prise en compte du web comme canal de vente à part entière est actée depuis cinq ans. Car, pour le groupe, « le net est devenu incontournable. A cette fin, nous avons modernisé notre site en y intégrant un module de tarification et de souscription en ligne assorti d'un dispositif de signature électronique permettant une souscription en ligne et intégrale », se félicite Eddie Abécassis, directeur de la stratégie digitale.

AXA A-T-IL ENFIN TROUVÉ LA FORMULE GAGNANTE ? Revenir en haut
Pour Axa France, internet est considéré depuis deux ans comme un prolongement des agences. Un positionnement fruit d'une expérimentation amorcée il y a déjà quelques années. « Jusqu'en 2011, Axa France faisait du web un canal très peu dédié à la distribution et à l'interaction avec le client ; en témoigne notre site, qui avait davantage une vocation institutionnelle », rappelle Matthieu Bébéar, directeur général adjoint d'Axa particuliers professionnels, en charge de la distribution. Depuis trois ans, changement de cap ! Refonte de la plate-forme internet, puis lancement d'une première offre à souscrire exclusivement en ligne, dans un espace réaménagé à cette fin avec notamment un moteur de tarification et de souscription en temps réel. Durée du chantier : 18 mois. Pour au final un bilan mitigé avec moins de 3 000 assurés équipés. Ces derniers étant affectés à l'agent général le plus proche, qui se charge de lui proposer d'autres contrats, dans une logique de multi-équipement.

Et malgré l'élargissement de la souscription au web mobile (smartphone et tablette), les résultats sont restés en deçà des attentes de l'assureur. Mais, depuis février 2013, la compagnie est repartie à l'offensive avec un nouveau contrat proposé aux internautes. Imaginé avec Réussir, le syndicat d'agents généraux de la compagnie, "Click&Go" peut être souscrit en ligne ou en agence. Depuis la mise en place de ce dispositif, « 5 % des affaires nouvelles de masse et 10 % de nos nouveaux clients auto proviennent de cette voie, détaille Matthieu Bébéar. Nous avons totalisé moins de 10 000 affaires souscrites en ligne, ce qui démontre que l'agent général garde bel et bien une place déterminante dans le parcours client, ce qui conforte notre objectif d'aiguiller les clients vers notre réseau ».

Construit sur la base du volontariat, ce partenariat de deux ans avec les agents généraux concerne, pour l'heure, 600 intermédiaires sur les 3 500 que compte l'assureur. Ce test grandeur nature est somme toute prometteur si l'on en juge par la fidélité des agents impliqués et le taux de transformation des affaires ; il a doublé entre la première version et la deuxième, sachant que 300 000 leads sont désormais transmis annuellement au réseau traditionnel.

Enfin, dans une démarche multicanal élargie, Aviva France implique ses agents généraux dans la transformation des contacts reçus à travers son site internet. Cette plate-forme a été refondue afin d'être plus attractive et d'inciter les internautes à y procéder à des simulations tarifaires. « Grâce à la qualité de notre plate-forme web et à nos investissements en marketing en ligne, nous générons un volume de leads conséquent que nous transmettons à nos 900 agents généraux, sur la base de la proximité géographique », indique Françoise Lamotte, directrice du marketing et de la communication. Appliquée à tous les produits destinés aux particuliers, professionnels et TPE, cette stratégie de coopération avec les agents généraux est appelée à évoluer, au gré de la mutation de l'environnement et des usages des clients. « Rien ne saurait être définitif, poursuit Françoise Lamotte. A nous de trouver des formules pertinentes avec nos agents généraux qui ont compris que le multi-accès est non seulement incontournable, mais aussi source de réussite, y compris sur le marché des professionnels et des TPE, sur lequel nous allons mettre un accent particulier en 2014. » En attendant, l'assureur est l'un des rares à conditionner la facturation des prospects à leur transformation par les agents. Une facturation qui est, pour tous, à notre connaissance, appliquée exclusivement dans le cadre d'affaires nouvelles.

L'AGENT, POSSIBLE REMPART À LA VOLATILITÉ Revenir en haut
Clairement, les agents généraux sont plus que jamais devenus la pièce maîtresse des compagnies en matière de transformation de prospects venus d'internet. Qui pouvait parier sur une telle issue il y a encore quelques années ? Pour autant, le modèle demeure fragile. D'ailleurs, certains assureurs ont décliné notre sollicitation pour participer à notre enquête, sachant qu'ils sont en pleine (re)négociation. Une nouveauté est désormais actée : l'agent général reste l'atout proximité des assureurs, y compris pour capter un client issu du web que d'aucuns estiment encore très volatil, comme le reconnaît Stanislas di Vittorio : « En introduisant la transparence tarifaire, les comparateurs peuvent contribuer à l'augmentation de la volatilité. » Une réalité décortiquée par Henri Debruyne, qui appuie là où ça fait mal : « La durée de vie d'un contrat souscrit sur le net est de trois ans, en moyenne, et rarement davantage. Or la qualité d'un risque s'améliore dans la durée. Les premières années sont souvent moins rentables. Il faut attendre généralement six ans pour améliorer les résultats techniques associés. En clair, internet n'est pas un bon vecteur de fidélisation des clients. Pire, le recrutement sur ce canal revient cher, contrairement aux idées reçues. »

Dans ces conditions de forte attrition, la multidétention résonne comme argument de rétention. Matthieu Bébéar ne s'y trompe pas : « La fidélisation et le multi-équipement du client transformé restent l'œuvre de l'intermédiaire. En clair, le produit ne fidélise pas alors que la multidétention réalisée par l'agent général permet de limiter le taux d'attrition, toutefois pas forcément élevé pour des clients recrutés sur internet. »

S'inscrivant sensiblement dans cette logique, la directrice générale de LeLynx.fr estime que « l'importance grandissante du web dans la recherche et la souscription d'assurance entraîne une qualité des affaires, issues de cet environnement, de plus en plus similaire à celle des autres canaux ». De toute évidence, le web n'est plus considéré comme un canal additionnel, parfois accessoire, mais bien comme un vecteur d'affaires stratégique au service des points de vente physiques.
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#Insurance #Digital Near-infrared device makes veins easier to find - CNET

#Insurance #Digital Near-infrared device makes veins easier to find - CNET | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
It's not an uncommon occurrence when having blood taken or for hospital patients receiving medication intravenously: sometimes, that vein just does not want to be found, and the poor patient can be left feeling like a pin-cushion.

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A new device being trialled by the Red Cross in Australia could see an end to hard-to-find veins. The portable, handheld vein visualisation scanners can find the veins under the patient's skin, and project a map onto the surface, allowing Red Cross's nurses to find veins quickly and easily.

The technology used is near-infrared, which reacts a specific way with the veins.

"Vein visualisation technology uses near-infrared technology to project an image of the vein onto the skin," explained Dr Dan Waller, senior researcher on the trial. "Veins have a lot of deoxygenated haemoglobin that absorbs near infrared light, and the device is able to use this information to project the image. The machines have settings to manage individual differences."

The device is to be tested on 900 blood donors at the Chatswood and Elizabeth Street Donor Centres in Sydney: 300 first-time donors and 600 returning donors. This will allow the Red Cross to determine the feasibility of a widespread rollout, examining such factors as safety, cost and impact on donor retention -- the team believes that the technology may improve the donation experience for young donors and see them returning.

"Donor Centre staff have found the technology particularly useful in cases where the vein is not visible to the naked eye," Dr Waller said. "We are keen to retain our young donors, and it is important to test if this technology may help us do that."
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Microsoft now licensing Windows by the user, across multiple devices

Microsoft now licensing Windows by the user, across multiple devices | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Redmond's silly VDI arrangements look to be a thing of the past
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#DroneCode: #Linux Foundation plans open-source #drone hit #UAV

#DroneCode: #Linux Foundation plans open-source #drone hit #UAV | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
The Linux Foundation is targeting drones through a project building a reliable open-source software platform for Unmanned Aerial Vehicles (UAVs).

The Dronecode Project is due to be announced today at the embedded Linux Conference in Dusseldorf, Germany.

Dronecode Project is founded on the APM UAV software and code that had been hosted by project co-founding member 3D Robotics – until now. Other founding members include Box, DroneDeploy and jDrones.

The Foundation said Dronecode would help advance technologies in data analysis, storage and display for drones and accelerate adoption of more affordable and – ahem – more reliable open-source software for UAVs.

Drones are enjoying a mainstream renaissance in acceptance and application thanks to unending automated war in Iraq, Pakistan and Afghanistan and since Jeff Bezos told prime-time US TV of his dream for packaged deliveries from above.

But, building drone systems often sees drone makers building their own software systems. This can mean greater cost and potential problems in the code while throwing up a hurdle to those building drone hardware and apps.

All this is a problem not just for drone makers but also for customers looking for affordable and reliable flying machines – customers like Bezos.

The Linux Foundation is normally associated with its work on extending the presence of the Linux kernel and in more Earth-bound locations.

Dronecode becomes a Linux Foundation Collaborative Project, same as the merged Mego and Tiezen efforts for Linux in devices, the Xen hypervisor, and Open Daylight for software-defined networking (SDN).

The Linux Foundation apparently believes it can bring the same process, order and buy-in to drone software that it has on other projects.

Dronecode will be governed by a Linux Foundation Technical Steering Committee, which will become the primary decision-making group.

Falling under the Linux Foundation means Dronecode can scale and be developed in a vendor-neutral environment.

The project will be headed by rsync author and Samba co-lead Andrew Tridgell – also lead maintainer in the development of APM. ("Tridge", along with Autopilot brain surgeon Linus Penzlien, is also helping The Register's LOHAN team with custom Pixhawk parameter wrangling for our spaceplane's hardware-in-the-loop simulations. For more on the LOHAN project, click here.)

Jim Zemlin, executive director at The Linux Foundation, said in a statement the Dronecode community would now “receive the support required of a massive project right at its moment of breakthrough.”

“The result will be even greater innovation and a common platform for drone and robotics open source projects,” he said. ®
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#VoiceRecognition: Banks collect voice prints to fight #fraud #Insurance #Digital

#VoiceRecognition: Banks collect voice prints to fight #fraud #Insurance #Digital | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
The caller said her home had burned down and her husband had been badly hurt in the blaze. On the telephone with her bank, she pleaded for a replacement credit card at her new address.
“We lost everything,” she said. “Can you send me a card to where we’re staying now?”
The card nearly was sent. But as the woman poured out her story, a computer compared the biometric features of her voice against a database of suspected fraudsters. Not only was the caller not the person she claimed to be, “she” wasn’t even a woman. The program identified the caller as a male impostor trying to steal the woman’s identity.
The conversation, a partial transcript of which was provided to The Associated Press by the anti-fraud company Verint Systems Inc., reflects the growing use of voice biometric technology to screen calls for signs of fraud.
Two major U.S. banks, JPMorgan Chase & Co. and Wells Fargo & Co., use voice screening, also known as voice biometric blacklists, according to three people familiar with the arrangements, all of whom spoke on condition of anonymity because the system was meant to remain secret.
Altogether seven major American financial institutions are already using such blacklists or have run pilots, said Shirley Inscoe, an analyst with the Aite Group, a research and advisory firm.
Inscoe declined to identify the institutions, but said they largely saw them as a quiet and effective way of dealing with fraud.
“It’s in the background. It doesn’t affect the call in any way,” said Inscoe. “Nobody even knows it’s happening.”
The blacklists are one of a growing number of everyday uses of speaker recognition, once a high-tech tool used by security agencies.
Many governments and businesses use voiceprinting openly.
“A recent AP survey of 10 leading voice biometric vendors found that more than 65 million people worldwide have had their voiceprints taken, and that several banks, including Barclays PLC in Britain and Minneapolis-based U.S. Bancorp, are in the process of introducing their customers to the technology.
Fighting fraud is different.
One person familiar with Verint’s deployment said that the company’s technology has been at work at Chase’s credit card arm since last year, when Verint’s predecessor, Victrio, was helping screen roughly 1 million calls a month.
Two people familiar with how the technology is being used at Wells Fargo said the San Francisco-based bank struck a deal for a similar voice biometric blacklist provided by Israel-based NICE Systems Ltd.
NICE and Verint declined to comment on their customers. Chase and Wells Fargo declined to comment in any detail on their fraud prevention strategies.
Chase spokeswoman Patricia Wexler said the company was “exploring many types of biometric authentication,” but did not use voice biometric technology with customers. She declined to say whether the company was using the technology to screen calls for suspected criminals.
At Wells Fargo, spokeswoman Natalie M. Brown said “…sharing any information about our fraud prevention measures would jeopardize their effectiveness.”
Banks may run into trouble when they deploy voice biometric technology secretly, legal experts say. That’s because some states, such as Illinois and Texas, restrict the collection or sharing of biometric data.
A confidential company memo obtained by the AP provides some insight into companies’ attempts to build legal cover for their work.
The document, dated Aug. 1, 2013, lays out NICE’s plans for the creation of a blacklist shared across a consortium of different companies. It carries advice from NICE to U.S. banks suggesting that they deal with issues of consent by changing the traditional message at the beginning of each call to say: “This call may be monitored, recorded and processed for quality assurance and fraud prevention purposes.”
“Creating a voiceprint from the call falls under ‘processing,’” the memo explains. “Sharing the voiceprints within the consortium is for the purposes of fraud prevention.”
Tech and privacy lawyer David Klein, the managing partner of New York-based Klein Moynihan Turco, said he had doubts about whether playing a canned message to callers counted as getting consent to gather biometric data.
“It’s at best a passive, assumed consent that they’re obtaining from the calling party,” he said.
It isn’t clear that banks are using the suggested language. A recent call to Chase’s credit card support number was met with a recorded message saying: “This call will be monitored or recorded.” Nearly identical language played during a call to a Wells Fargo’s number.
Neither Wells Fargo nor Chase responded to questions specifically addressing the legality of their voice harvesting.
NICE confirmed that the memo was genuine. It said the purpose was merely to suggest new language for telephone calls and did not constitute legal advice.
Industry observers said that, regardless of the legal issues, few would raise a fuss over the collection of biometric information from suspected criminals.
Banks “truly are trying to protect legitimate customers,” said Inscoe. She said the blacklists had to be seen in the context of organized gangs that call banks repetitively to try to break into accounts.
The technology is winning converts fast.
Mark Lazar, Verint’s vice president for intelligence systems, said that when combined with other fraud detection techniques, voice biometric blacklists were effectively freezing the bad guys out of banks’ call centers.
“Within a few months we see a 90 percent reduction in the types of calls these fraudsters are making,” he said.
Avivah Litan, an analyst with technology research firm Gartner, estimates that by next year, 25 major U.S. call centers will be using some form of voiceprint technology, a five-fold increase over last year.
Klein, the privacy and tech lawyer, said the growth of voice biometric technology meant it was time for regulators to take a fresh look at the rules.
“There should be regulation on both the state and federal level that that govern practices with respect to the collection, use and sharing of that data,” he said, “so that we don’t go deeper into George Orwell’s world.”
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Why #Chicago is mandating #coding #education

Why #Chicago is mandating #coding #education | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
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Chicago Mayor Rahm Emanuel believes the language of the future is code writing -- and he wants every kid in Chicago to be prepared.

In a room full of techies at the Internet of Things World Forum last week, he didn't talk about Chicago's chief data officer or the city's smart parking and LED street lights. Instead, he emphasized the Windy City's commitment to computer science and coding education.

"In three years time, you can't graduate from high school in the city of Chicago if you didn't take code writing and computer science," said Mayor Emanuel in conversation with Cisco CEO John Chambers. "We're making it mandatory."

Emanuel first announced the city's five-year plan for computer science education last December. In three years, Chicago public high schools will require a foundational computer science course in order to graduate. In five years, at least 50% of its high schools will offer AP computer science courses.

Computer science is one of the top paying college degrees -- and yet only 2.4% of college students graduate with degrees in the field (a number that's declining). Moreover, out of 3.6 million AP computer science exams taken in 2012, only 3,000 were taken by African American and Hispanic students, according to Code.org.

Chicago has roughly 600 public schools that educate 400,000 kids -- the majority of whom are African-American (39.7%) and Hispanic (45.2%).

Improving access to coding and computer science classes could open doors for low-income students, and Chicago officials believe it's not limited to high school education.

While roughly 25 states allow advanced computer science to count as math or science credits, Code.org says Chicago's plan is the most comprehensive.

This year, the city partnered with Code.org to incorporate computer science lessons into the curriculum of 25 elementary schools.

"I believe kids start dropping out of college in third grade. They don't drop out freshman year. They don't quit junior year. Our responsibility is to make sure they're ready for third grade at three years old," Emanuel said.

This summer, 150 K-12 teachers (from roughly 30 Chicago high schools, 20 middle schools and 20 elementary schools) took professional development courses to learn how to incorporate computer science into their teachings.

At the elementary school level, kids can be introduced to the fundamentals of computer science through activities.

"Just having kids jump into computer science at the high school level, they don't have a good context for it," said Cameron Wilson of Code.org. "Having them exposed early and building on concepts year after year is really important."
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#AppleFlaw: #ApplePay Will Work Outside the U.S., But There's a Catch

#AppleFlaw: #ApplePay Will Work Outside the U.S., But There's a Catch | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Although Apple Pay has only launched in the United States, it appears that you can also use it in other countries under the right conditions.

Owners of the iPhone 6 and iPhone 6 Plus were able to begin using Apple Pay on their phones at merchants with contactless terminals on Monday. But various sites are reporting that the service works elsewhere, too.

SEE ALSO: How to Use Apple Pay: What You Need to Know

The folks at TechSmartt successfully used Apple Pay on a vending machine in Kingston, Canada (watch below), and use has also been cited in Australia and the United Arab Emirates (first spotted by MacRumors).



Apple Pay is not enabled by default in countries outside the U.S., even if the device is running iOS 8.1, but it's easy to turn on. In order to use the service internationally, go into your settings and switch your region to the U.S., which will give you the option to add credit cards to appear in Passbook. (Passbook only allows loyalty cards if Apple Pay isn't available in the country, if your phone isn't running iOS 8.1, or if it's not an iPhone 6 or 6 Plus.) From there, add a compatible card — for the time being, that means a card registered with a U.S. bank.

After that, try using Apple Pay at any vendor that supports contactless wireless payments via NFC (near-field communication). With no explicit Apple Pay support, there is no guarantee it will work at every vendor (international fees may apply to your purchase), but generally, Mashable has found that merchants with NFC payment terminals also accept Apple Pay Mashable has found that merchants with NFC payment terminals also accept Apple Pay.

SEE ALSO: iOS 8.1 Available for Download: Apple Pay Launches, Camera Roll Returns

Apple announced that Apple Pay would be U.S.-only at launch, though the company is working to add other countries, and their banks, into the mix. The company is in talks to bring Apple Pay to Europe, the Financial Times reported, and UnionPay may be a partner in China, according to Chinese media sites.

Representatives for Apple didn't immediately respond to a request for comment.

If you're outside the U.S. and have successfully used Apple Pay, please share your experience in the comments below.
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One In Three #UK Children Owns A #Tablet

One In Three #UK Children Owns A #Tablet | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Last October research put out by the UK’s telecoms regulator, Ofcom, highlighted rising usage of tablets among kids. Unsurprisingly that trend has continued, with Ofcom’s 2014 annual report exploring parents’ and children’s media use finding that tablet ownership by children in the U.K. has now risen as high as one in three.

Among children aged between 5 and 15, Ofcom found that a third (34%) now own their own tablet, i.e. rather than using devices belonging to their parents or school. That’s up from a fifth (19%) back in 2013.

Kids’ tablet ownership is even rising at the lower end of the age bracket, with around one in ten (11%) children aged 3 to 4 years now having their own tablet, up from just 3% last year.

The 2014 report also notes that twice as many kids aged 5 to 15 years old are using a tablet to go online (42% versus 23% in 2013).

It argues this could have implications for the future use of laptops and PCs — especially given the report notes a drop in the proportion of children accessing the internet on a PC, laptop or netbook. Ofcom says this fell for the first time (since it began this annual survey back in 2005) — dropping by three percentage points, year on year, to 88%.

Meanwhile smartphone ownership among kids has remained steady, according to Ofcom,  with the 2014 report recording that a fifth (20%) of 8-11s own a handset, and 65% of 12-15 year olds.

The report suggests tablets are replacing TV sets in kids’ bedrooms, with the latter proportion dropping by a third over the past five years (from 66% in 2009 to 46% in 2014). Meanwhile the proportion of kids watching TV shows on tablets is on the rise — up by a third in a year, from 15% in 2013 to 20% in 2014.

Gaming on tablets is also on the rise among U.K. kids. It’s up from 23% last year to 30% in 2014. But use of dedicated gaming devices is dropping, down from 81% in 2013 to 77% in 2014.

Kids’ social media usage increasingly diverse

The report also explores social media usage by children in the U.K., shedding some light on the relative popularity of various digital services among this age group.

According to Ofcom’s data, Facebook remains a staple for U.K. kids, with almost all surveyed children (96%) reporting they have a profile on the site — a proportion that has remained largely unchanged since 2011.

However the proportion of kids who identify Facebook as their “main social profile” has declined. The report notes that has dropped from 87% in 2013 to 75% in 2014.

Meanwhile other social serviced have bubbled up, with usage of Instagram, SnapChat and WhatsApp specifically all growing since last year’s survey — although their proportional usage lags far behind Facebook. Still, given that the relative attraction of using additional social service to Facebook is likely to be for kids to seek out a smaller niche group of users (i.e. which does not include their parents) that’s to be expected.

Of these additional social services, Instagram has currently carved out the biggest niche among U.K. kids after Facebook — with some 36% of respondents saying they now use the photo sharing site, and 9% identifying it as their main social profile.

That’s followed by 26% who say they use SnapChat, and 20% who are using WhatsApp. Both Instagram and WhatsApp are owned by Facebook, of course. But SnapChat remains independent, having shunned various suitors.

On the falling out of favor front, the Ofcom report shows usage of Twitter among U.K. kids has declined after three prior years of growth, down from 37% last year to 28% this year. While Google-owned YouTube has also dipped slightly in usage, dropping from 26% to 22%.

The report underlines how fickle digital fashions can be among this age group, with erstwhile U.K. kids’ digital social favorite Bebo rapidly falling from a usage rate of nearly half (49%) back in 2009 to a mere 3% in 2014.
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#iHealth #3D-printed heart saves baby's life - CNET

#iHealth #3D-printed heart saves baby's life - CNET | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
The life of a baby boy, born in July with a congenital heart defect, was saved when his surgeons made use of a 3D-printed heart. Not, however, an organ 3D printed from tissue, but a model of the heart that allowed a team of surgeons at the Morgan Stanley Children's Hospital of New York-Presbyterian to practise before the main event.


Materialise
The baby's heart disease was unusually complicated. Both the aorta and pulmonary arteries rose from the right ventricle, and there was a large hole in his heart -- and a CT scan was not sufficient to help the doctors figure out a surgical plan, since the baby's heart was about the size of a walnut.

With the help of the CT scans and funding from Matthew's Hearts of Hope, the team ordered a model heart from Cardiovascular Business Development Manager Todd Pietila at Materialise. Using Materialise's Mimics Innovation software, Pietila created a 3D model of the heart, which captured the heart's structure and defects in accurate detail.

Two days later, the team had a model of the heart 3D printed out of a flexible material that could be cut into and manipulated, allowing them to make a plan to repair all of the heart's defects in just a single surgery, instead of three or four -- and, at just one week old, the baby's operation was a success, setting the baby on the path to a long and happy life.

"The baby's heart had holes, which are not uncommon with CHD, but the heart chambers were also in an unusual formation, rather like a maze," said Dr Emile Bacha, a congenital heart surgeon and Director of Congenital and Pediatric Cardiac Surgery. "In the past, we had to stop the heart and look inside to decide what to do. With this technique [using a 3D printed model], it was like we had a road map to guide us."
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#Saturation: #Tablet sales growth slows dramatically

#Saturation: #Tablet sales growth slows dramatically | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it

Even as Apple is set to launch new tablets on Thursday, the news about tablet sales isn't good.

Gartner and IDC both recently dramatically lowered their tablet shipment and sales estimates for 2014 and coming years, citing primarily the longer-than-expected time customers keep their existing tablets. (That phenomenon is called the "refresh rate.")

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Gartner said today it had originally expected 13% tablet sales growth for the year globally; it has now lowered that growth rate to 11%. IDC's forecast change was even more dire: In June, it predicted shipment growth this year would be 12.1%, but in September it cut that number to 6.5%.

In the U.S., things are worse, because more than half of households have a tablet and may hold onto it for more than three years, well beyond analysts' earlier expectations.

IDC said in its latest update that tablet growth in the U.S. this year will be just 1.5%, and will slow to 0.4% in 2015. After that, it expects negative growth through 2018. Adding in 2-in-1 devices, such as a Surface Pro with a keyboard, the situation in the U.S. improves, although overall growth for both tablets and 2-in-1's will still only reach 3.8% in 2014, and just 0.4% by 2018, IDC said.

"Tablet penetration is high in the U.S. -- over half of all households have at least one -- which leads to slow growth...," Mikako Kitagawa, an analyst at Gartner, said in an interview. "A smartphone is a must-have item, but a tablet is not. You can do the same things on a laptop as you do with a tablet, and these are all inter-related."

Tablets are a "nice-to-have and not a must-have, because phones and PCs are enough to get by," added Carolina Milanesi, chief of research at Kantar Worldpanel.

In a recent Kantar survey of 20,000 potential tablet buyers, only 13% said they definitely or probably would buy a tablet in the next year, while 54% said they would not, Milanesi said. Of those planning not to buy a tablet, 72% said they were happy with their current PC.

At IDC, analyst Tom Mainelli reported that the first half of 2014 saw tablet growth slow to 5.8% (from a growth rate of 88% in the first half of 2013). Mainelli said the meteoric pace of past years has slowed dramatically due to long device refresh cycles and pressure from sales of large phones, including the new iPhone 6 Plus. That phone has a 5.5-in. display, which is close to some smaller tablets with 7-in. displays.

"As phone displays get larger, they are eating into the sales of 7-in. tablet displays," said Patrick Moorhead, an analyst at Moor Insights & Strategy. "For those who want both a phone and a tablet, we are reaching a state of saturation. Vendors also aren't adding tablet feature improvements at a rate they once were."

Even though tablet growth has slowed, there will still be growth through 2018, at least globally. "All told, we expect the tablet market to continue to grow, but at a much slower rate than once predicted," Mainelli said.

"Strong demand for Apple's new larger-sized iPhones means the vast majority of consumers' tech spend in the second half of 2014 [in the U.S. and Western Europe] will go toward refreshing phones rather than tablets," he added.

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Mainelli also said that IDC had once envisioned a three-year life cycle for tablets, dating back to when the first iPads were introduced in 2010. "But the reality is clearly longer as these devices -- moreso than other consumer electronics -- are typically handed down within a house.... Very few high-quality tablets are retired, with many staying in service...well beyond three years. The result is a swelling installed base and a lack of motivation to buy new products."

In other words, iPads essentially last too long. "When sub-$99 tablets get to be decently usable, we might well see consumers in mature markets with multiple tablets per person," Mainelli added.

Android tablets from a range of manufacturers, with some priced well below $100, will account for 65.7% of the global market this year, though that share will decline after that, even as the total volume of Android tablets grows, IDC predicted. For 2014, iPads will hold 28.9% of the global market, dropping to 26.6% by 2018, while Windows will grow from 4.9% to 11% by 2018, IDC said.

IDC predicted 233 million tablet and 2-in-1 shipments for all of 2014 globally, growing to 303 million in 2018. Gartner pegged tablet sales at 229 million this year, rising to 273 million in 2015.

In addition to the longer refresh rate, tablets represent a transition in how people use computers that are subject to fads and adjustments to newer devices, even smartwatches, analysts said.

"Tablets won't go away, but the initial surge is mostly over and now tablets will behave much more like traditional computers than as the 'must have' new device," said Jack Gold, an analyst at J. Gold Associates. "Users will have multiple choices to make and will pick a tablet based on need and not just because they're cool."

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#Google veut vous faire consulter un médecin en ligne

#Google veut vous faire consulter un médecin en ligne | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Si vous avez mal quelque part, rechercher la solution à vos problèmes sur internet est la pire des choses à faire. Vous avez un peu mal à la tête ? Vous pouvez être certain qu’une recherche en ligne vous indiquera que vous souffrez d’une tumeur au cerveau. Des situations qui peuvent se montrer dangereuses et que Google aimerait éviter.




En effet, Google est en train de tester, aux États-Unis, un nouvel outil permettant aux malades de consulter en ligne. Ce service consiste à mettre en relation des patients avec des médecins via webcam. Bien entendu, les médecins sont triés selon vos symptômes, ainsi, un spécialiste vous sera attribué si vous avez des douleurs particulières.

Evidemment, cet outil n’a qu’un but consultatif et ne remplace pas une vraie consultation. Néanmoins, un tel système pourrait s’avérer utile dans certains cas. Notons que ce système est autorisé en France depuis trois ans mais se montre très encadré par le ministère de la Santé.
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#Transparency #Data Demandes de données utilisateurs : #Twitter poursuit le gouvernement américain

#Transparency #Data Demandes de données utilisateurs : #Twitter poursuit le gouvernement américain | Quand l'assurance apprivoise internet - Ronan de Bellecombe | Scoop.it
Twitter a porté plainte contre le gouvernement américain mardi, l’accusant de porter atteinte à sa propre liberté d’expression. En cause : le réseau social souhaite partager au grand public un certain nombre d’informations relatives à la surveillance de ses utilisateurs, en particulier sur les demandes du FBI et du département de la Justice.

Fourchette large de données

« C’est notre conviction que nous sommes en droit, en vertu du Premier Amendement, de répondre aux préoccupations de nos utilisateurs et aux déclarations des représentants du gouvernement des États-Unis, en fournissant des informations sur l’étendue de la surveillance par le gouvernement américain – y compris sur les types de processus juridique qui n’ont pas été reçus. Nous devrions être libres de le faire d’une manière significative, plutôt que dans une fourchette large et inexacte » explique la société dans un billet.

La société souhaite pouvoir donner le détail des demandes qui lui sont formulées dans son rapport sur la transparence. En juin dernier, le gouvernement américain avait signé un accord avec plusieurs grandes firmes américaines – Google, Facebook, Microsoft, LinkedIn, Yahoo! – leur autorisant à révéler le volume de demandes reçues dans des tranches larges de 0 à 999.

Accord avec de grands groupes

« En avril, nous avons soumis une note additionnelle à notre rapport de transparence au département de la Justice et au FBI, dont nous espérions qu’il apporte davantage de transparence. Mais après plusieurs mois de discussions, nous ne sommes pas parvenus à les convaincre de nous autoriser à publier une version, même censurée, du rapport ».

« Plus tôt cette année, le gouvernement a répondu aux préoccupations similaires soulevées dans un procès intenté par plusieurs grandes entreprises de haute technologie. Là, les parties ont travaillé en collaboration pour permettre aux entreprises de haute technologie de fournir des informations générales sur les demandes du gouvernement, tout en protégeant la sécurité nationale » a déclaré la porte-parole du ministère de la Justice.
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