First Direct Customers Can Pay By Siri

First Direct customers can now make voice-activated payments to existing payees or mobile contacts via the Siri tool on their Apple iPhones, without logging into online banking or using their password.

Following Barclays

First Direct’s move to voice-activated payments follows the move by Barclays last August to allow its customers (with an Apple device with iOS 10 software or above, with fingerprint technology) to make payments using Apple’s voice-activated assistant, Siri.

Dutch Pioneers

Dutch banking group ING Netherlands are widely credited as being the pioneers of this kind of system when, back in 2014, they launched a voice-navigated banking app with a view to enabling biometric voice recognition as a replacement for PINs in the future.

Interface Between The Customer and Paym

In the case of First Direct, the Siri digital assistant acts as an interface between the customer and the Paym mobile payment system.

Paym is the service, launched by the Payments Council, that allows users to send and receive payments directly to a current account using only the mobile number of the account holder.

How Does It Work?

With the First Direct system, users simply tell Siri what amount they would like to pay, and the name of the person that they would like to pay using First Direct. The system then asks for verification using the fingerprint scanner or face ID tool on the payer’s mobile device. It has been reported that the money is then transferred instantly, and First Direct customers can make transfers of up to £350 daily using the new system.

What Will You Need?

Clearly, to use the system you will need to be registered for digital banking with First Direct. You will then need to activate Paym in the First Direct app, and make sure that you are using an iPhone that is capable of fingerprint or facial recognition so that your payments can be verified without a password.

What Does This Mean For Your Business?

For businesses, saving time and getting cash quickly into the business are important, and the First Direct system looks as though it is capable of helping both these things to happen. It also offers your business, suppliers, and other stakeholders a convenient way of paying while on the move.

Also, the biometric aspect (fingerprint or facial recognition) is believed to provide greater security than passwords.

Voice-activated assistants have proven popular with users, and it makes sense that they could be linked up with other technologies and systems to deliver greater value, convenience, and time savings. It is likely that other banks will now follow suit, and voice-activated assistants will be linked-up to a whole range of other services in the near future to benefit the business and the customer.

Fighting Exploitation Via Blockchain and Coke

Coca-Cola, the US State Department, and 2 other companies are working on a project to used blockchain to fight forced labour worldwide.

What Is Blockchain?

Blockchain is an incorruptible peer-to-peer network (a kind of ledger) that allows multiple parties to transfer value in a secure and transparent way. Blockchain’s Co-Founder Nic Carey describes Blockchain as being like “a big spreadsheet in the cloud that anyone can use, but no one can erase or modify”.

Forced-Labour

The International Labour Organisation estimates that there are nearly 25 million people working in forced-labour conditions worldwide, and 47% of them in the Asia-Pacific region.

The kind of work where there is known to be forced-labour varies, but many are engaged in work that contributes to products for food and beverage e.g. forced-labour in countries where sugarcane is produced.

A KnowTheChain (KTC), a partnership founded by U.S.-based Humanity United, showed that most food and beverage companies could be doing more solve the problem.

Coca-Cola Committed

As part of a new partnership, Coca-Cola has now committed to conduct 28 country-level studies on child labour, forced-labour, and land rights for its sugar supply chains by 2020.

Blockchain

Blockchain’s validation and digital notary capabilities are being used in the new project to create a secure registry for workers and their contracts. The project, involving Trust Accelerator (BTA), a non-profit organization, the US State Department, Coca-Cola, and U.S.-based Humanity United, will use blockchain to create a validated chain of evidence that will encourage compliance with labour contracts.

US tech company The Bitfury Group, will build the blockchain platform, while Emercoin will provide blockchain services.

Blockchain Used To Reduce Child Labour Too

Earlier this month it was reported that blockchain is also being used in a pilot project between car-maker BMW and start-up Circulor with a view to eliminating battery minerals produced using child labour. In that project, blockchain is being used to help provide a way to prove that artisanal miners are not using child labour in their cobalt mining activities. Bags of cobalt are given a digital tag which can be entered into blockchain using a mobile phone. The details of the digital tag can then be entered by each link in the chain of buyers, thereby providing a clear, verifiable trail, all the way from miner to smelter.

What Does This Mean For Your Business?

The new project involving Coca-Cola is another example of how blockchain is being used to ethically add value, genuinely reduce suffering and exploitation, and shows how this new technology can deliver social impact. One of the strengths central to blockchain is that it offers an incorruptible and transparent system that can provide a much greater, and more reliable level of proof that something has happened in the correct way in a value chain. Many different types of businesses can use blockchain to categorically prove a certain source and route for e.g. delivery, raw materials or production. This is proving to be particularly valuable to businesses where provenance is necessary to add to the monetary, ethical or other value of a product, service, and brand.

Voice Recognition ‘Sexist’

Delip Rao, CEO and co-founder of start-up R7 Speech Sciences has brought the issue back into the spotlight that voice recognition systems struggle more with female voices.

Not New

The issue has been known about for some time and has been brought into sharper focus with the popularity of voice-activated digital assistants like Apple’s Siri, or Amazon’s Alexa, or Google Home.

Why?

According to Linguistics experts, the key problem is that females have higher pitched voices than males, and they tend to be quieter and sound more “breathy” when they talk.

With speech for example, Mean Fundamental Frequency (Mean FO) can be expressed as a number around which vocal tones are spread. The FO for men is around 120Hz, but for women it is much higher at 200Hz.

MFCCs

Also, another problem for voice recognition systems comes when they try to process words and sounds into MFCCs (Mel-frequency cepstral coefficients). The voices of women are known to give a less robust acoustic signal, and this signal can be easily masked by noise. These two challenges also make things more difficult for speech recognition systems.

Lack of Diverse Training

Since speech recognition systems also rely on an AI element, they require training to become more used to recognising certain vocal characteristics. Linguistics experts, therefore, also believe that a lack of diverse training examples of the speech of women may also be a contributing factor to the problems encountered by current voice recognition systems.

Gender Biases As A Result

Some commentators are, therefore, predicting possible worsening gender biases problems with voice recognition systems if these issues are not tackled.

Experts have pointed out the importance of training systems using equal proportions of men and women to avoid the problem of them being very good at recognising male data and very bad at recognizing female data.

Ethnic Mix

The same experts have also highlighted potential biases based on ethnicity if voice recognition systems aren’t trained using a wide ethnic as well as gender mix.

What Does This Mean For Your Businesses?

With digital assistants now in the workplace in computer systems (e.g. Alexa for Business),and with AI bots being used e.g. to handle customer service systems (with a voice element), it’s important that women and / or certain ethnic groups are not at a disadvantage when using the systems.

The problem is known about now, and companies should, therefore, be taking action to make sure that voice recognition systems work well for all demographics, and deliver equality as part of their value.

Accountants To Use AI For The ‘Boring’ Stuff

A study by Sage that identified how 83% of clients would like their accountants to extend their services has seen 50% of accountants looking to solutions like AI to allow them to free up the necessary time to do so.

Off-Load Repetitive Tasks To AI

With accountancy clients looking for consultancy and advice (42%) as well as traditional services, half of the 3,000 accountants involved in the Sage study appear to be happy to consider AI and automation technology solutions to handle the workload of repetitive tasks such as number crunching, data entry and diary management.

Likely To Invest

The president of AI at Sage, Kriti Sharma, has been reported as having recognised that although AI is currently viewed as an automation tool by accountants, more are likely to invest in AI in the coming years as an important, lower cost way to scale their operations.

For example, AI could be used to review millions of transactions and spot anomalies, and even make recommendations. This would normally be something that would be done manually. AI could, therefore, significantly decrease costs and make accountants more time-rich, thereby enabling them to develop and sell new services.

Many Industries Adopting AI

Accountancy is certainly not the only industry beginning to realise and unlock the potential of AI. For example:

  • Some legal firms are already using AI to assemble, process and read certain types of documents.
  • AI ‘cognitive technology’ is being used to answer customer questions for customers in many areas of services.
  • In banking e.g. Nat West, AI software is being used to offer consumers an investment advice service. Also, for Royal Bank of Scotland (RBS) automated financial advice services have allowed the bank to reduce face-to-face adviser jobs by 220. As far back as 2016, RBS and NatWest introduced their virtual customer service technology in the form of the ‘Luvo’ chatbot from IBM Watson.
  • The AI The chatbot, called ‘DoNotPay’ (originally launched in March 2016 by British student, Joshua Browder), made famous for providing legal advice that led to a reported 375,000 claims against parking tickets, was then modified so that it could automatically sue Equifax for $15,000 per claim in the wake of a hack and data breach.

What Does This Mean For Your Business?

The adaptability and capacity of AI to learn and tackle even complicated tasks (in April last year an AI program beat the world’s leading poker players in a 5-day competition), means that it has huge business potential. Deploying AI e.g. to tackle repetitive tasks and free-up time in accountancy is just another example of how this technology can be used to add value, save costs, help meet changing customer needs, allow the cost-effective scaling of businesses, and improve competitiveness.

Even though AI appears to be advancing at a fast rate, we really haven’t seen anything yet as regards its true potential.

UK Economy Could See £26bn From Rural Digital Investment

A study has revealed that greater investment in digital technologies and connectivity in rural parts of the UK could add between £12bn and £26.4bn annually to the British economy.

Digital Strategy and Investment Needed

The study, which was commissioned by Amazon and conducted by think tanks Rural England and Scotland’s Rural College (SRUC), showed that the rural economy is already worth £299bn in gross value add (GVA) to the national economy.

The report argues that a government-led digital rural strategy coupled with investment could unlock the potential of businesses in rural areas, and could increase business turnover by £15bn.

Concerns & Challenges

The report found that business owners in rural communities have many of the same concerns as larger businesses in more built-up areas. For example, four in five rural business owners saw digital tools and services as being important to their growth potential, and better access to cloud computing as being the biggest driver for their future growth.

Other perceived growth catalysts in the reports were by 5G mobile networks (54%), the IoT (47%), and machine learning and artificial intelligence (AI) (26%). Export businesses in the retail, tourism, and hospitality industries also identified e-commerce tools as being potential growth drivers.

The main perceived challenges to growth in rural businesses were identified in the report as being access to broadband and other forms of connectivity, and skills shortages (52%) e.g. recruiting people with appropriate skills, or retraining existing workers.

Recommendations

Amazon, who commissioned the report, has offered its own recommendations for public and private sector businesses, based on the results. These include:

  • The establishment of Digital Enterprise Hubs in rural towns to help (small) businesses with connectivity, workspace and training, and collaboration between employees and education / training or re-training providers.
  • The setting up of a single information portal to streamline digital support services.
  • The setting up of a single information portal and local directories to give guidance to businesses on digital resources.
  • Encouraging local, rural businesses that are already lucky enough to have and use superfast broadband services to encourage their peers to do the same.
  • Prioritising investment in connectivity and digital tools for rural businesses.
  • Making support for digital growth a key objective in future rural business support programmes.
  • The government encouraging large technology-driven firms to implement policies focused on digital adoption in rural areas that provide support for smaller businesses.

What Does This Mean For Your Business?

If you run a business in a rural area, you are likely to recognise the challenges outlined in the report and to welcome many of the ‘quick win’ recommendations that Amazon has made, plus the fact that this report has put rural digital business challenges back in the media spotlight.

Given a high priority, and the right level of government support and investment, there is no doubt that early-adopter rural businesses could be big contributors to the UK economy, and could compete with global competitors.

Many commentators, however, see this vision as still being some way off, partly because of the time that it will take to get high-speed broadband connectivity to all rural areas, let alone towns in the UK. For example, despite full fibre broadband pilots already being operated as part of the UK’s National Productivity Investment Fund, the reality is that the UK may still only actually have 7% full fibre coverage by 2020.

Tech Tip – Windows 10 – Using The ‘My People’ Feature

The ‘My People’ feature in Windows 10 provides a handy way for you to access all your favourite contacts from your taskbar using the inbuilt settings and account that is linked with the email that you have used in your Windows.

Here’s how to activate the feature:

1-Check whether your taskbar has the “people” icon there or not.
2-If it’s not there, click on the “Settings” icon on your windows and then select “personalise“.
3-Click on the option taskbar and activate the option “Show contacts on the taskbar“.
4-Click on the people icon on your taskbar, and then click on the option “Get started” to make the ‘my people’ panel appear.
5-Select the apps that you want to integrate with to get the contacts (these apps will be displayed).
6-Once you have selected the account, click on “Find people and add” and then select the people you want to add to your taskbar.
7-You can then add multiple contacts in your taskbar, and also pin and unpin them from the taskbar.

Dropbox Integrates With Google Cloud and G-Suite

Dropbox has announced that it is now one step closer to delivering a unified home for work by forming a new partnership with Google Cloud that will integrate G-Suite in its cloud storage.

What Was The Problem?

Dropbox had been looking for ways to respond to the need for users to be able to make projects easier to manage, centralise their frequently used files and information, and reduce the time wasted in having to swap between files and bits of work scattered across storage buckets, apps, and devices. The company is also looking for new ways to compete in a crowded cloud storage market.

The new integration that the partnership will deliver to all Dropbox users will mean that they can use Dropbox to create, open, and edit Google Docs, Sheets, and Slides files live. It will also mean that Business Administrators will be able to manage Google Docs, Sheets, and Slides files like any other content that resides in Dropbox.

With a G Suite made accessible, no matter what tools users bring to work, Dropbox and Google customers will be able to better collaborate with their frequently used tools.

Additional Native G Suite Integrations

As well as being able to use Google Docs and files in Dropbox, users will also be able to benefit from additional native G Suite integrations e.g. with Gmail and Hangouts Chat. This could help teams to stay connected with project content and the conversations around it. The Gmail add-on will allow users to display the dates of creation, modification, and last-accessed for linked files, and the Hangouts integration will bring previews for linked files directly to chats.

When Is It Available?

The new Dropbox, Google Cloud and G-Suite integration will be made available to Dropbox customers in the second half of 2018.

One of Many Collaborations For Dropbox

This is one of many collaborations with leading brands for Dropbox in recent times. For example, Dropbox has formed partnerships with Adobe Creative Cloud and its Adobe XD, Microsoft, Apple, and Workplace by Facebook.

Answer To Competition

The latest partnership with Google is another way that Dropbox can fight back against some fierce competition from the likes of Microsoft. For example, Microsoft is reported to have been trying to lure users of cloud services from Box, Dropbox and Alphabet’s Google Drive by giving them its competitive product ‘OneDrive for Business’ for free until their current contract expires. Microsoft will be running the promotional switching offer for the next five months.

What Does This Mean For Your Business?

For businesses that collaborate online and need to centralise stored documents, this latest partnership is likely to be good news. The promise of centralised content, secure collaboration, and more effective communication through platforms that are already in popular use for many businesses could bring cost and time savings, reduce wastage and frustration, and could improve competitiveness by simplifying things.

All the collaborations between Dropbox and other leading brands could be particularly beneficial to small businesses that will be able to more easily access files, documents and other types of data they need on a daily basis.

Also, this good news about Dropbox can only be helpful in making some headway in restoring trust and helping customers to forget about the bad news from last September when it was revealed that the usernames, email addresses and encrypted passwords of an astonishing 68 million customers, stolen in a hack back in 2012 had re-surfaced in a leak.

Tech Tip – Find Files By Date

If you have produced and stored many files on your computer over time, in multiple folders, it can sometimes be difficult to find the file you need. One way to narrow the search in Windows 10 is to search by date. Here’s how:

  1. Choose the folder, drive, or library you want to search.
  2. Click in the search box (upper right corner of the File Explorer window).
  3. Type datemodified: operator (doesn’t matter if there’s a space after the colon), followed by a date / date range.

The format for the date range can be e.g. a single date in any standard date format, a range of dates e.g. 20/1/2018 .. 20/2/2018, a month or year or both, or a relative term e.g. last week, last month. Alternatively :

  1. Click in the search box to bring up the Search Tools tab on the ribbon.
  2. Click the Date Modified button.
  3. Choose one of the available options.

Tech Tip – Windows 10: Near Share

One helpful feature to look out for in the Windows 10 update this Spring will be ‘Near Share’ whereby nearby Windows 10 devices can share files and URLs with you via Bluetooth.

This feature is similar to Apple’s AirDrop, and it works in the following way:

  1. Apps e.g. Photos, Microsoft Edge and File Explorer display a Share icon.
  2. Click on the icon to see and chose local devices to share with by Bluetooth.
  3. The recipient gets a notification via the Action Centre.
  4. Acceptance of the notification by the recipient allows the transfer to take place.

Tech Tip – Windows 10: Keep Unwanted Software Off Computers You Support

If you help support your business and / or home computer, and you want to keep things secure and tidy by stopping other users from downloading unwanted software from sources you don’t trust onto the computer, here’s how…

To lock down Windows 10 so users can’t install new software unless it comes from a trusted source:

  • Go to Settings > Apps > Apps & Features.

Look for the Installing Apps setting at the top of the page. There should be three choices:

  1. Allow apps from anywhere (the default).
  2. Warn me before installing apps from outside the Windows Store. Selecting this option will mean that any standard user accounts will need your permission to continue.
  3. Allow apps from the Store only. Select this option if you don’t want users to be able to install apps from anywhere except the trusted Windows Store.

Desktop programs that you’ve already installed before enabling this restriction will continue to run.

Using these restrictions, you can set up a PC with a selection of trusted apps and then lock it down so nothing changes without your permission.