Col8

7,507 Flips | 17 Magazines | 2 Likes | 16 Following | 1,325 Followers | @flipboardcol8 | Collected interesting articles from daily social streams. Author Jonathan Silvester - All views are my own.

How Outsiders Are Changing the Business of Lending

The total addressable US small-business lending market is $186 billion, which accounts for only 1% of the total loan market. Today, big banks (assets …

Small Business

Building your own Duplex AI agent using Rasa and Twilio

We can all relate to the frustrations of calling a business that uses an IVR system — “press 2 to talk to sales, press 3 to wait forever”. Even …

Machine Learning

Bank of America Reveals Blockchain Patent for External Data Validation, Cites Need for ‘Accurate Indication’ of Financial Standing

Bank of America has added to its pile of blockchain patents this week with the release of a blockchain-based external data validation system …

Blockchain

Build a REST API in 5 Minutes with PubNub

Developers need APIs. Every tech company that provides Internet-based services exposes an <b>application programming interface</b> to enable developers to do …

JavaScript

Robot Truck Upstart Embark Hauls In $30 Million To Take On Waymo And Uber

[id=2]<p>What makes a couple of brash 22-year-old entrepreneurs think they can take on Waymo, the clear leader in self-driving vehicle technology, when it comes to putting autonomous trucks on the road?<p>“We’re able to move really fast,” Embark cofounder and CEO Alex Rodrigues told <i>Forbes</i> aboard the cab …

Trucking

Customer Data: Designing for Transparency and Trust

With the explosion of digital technologies, companies are sweeping up vast quantities of data about consumers’ activities, both online and off. Feeding this trend are new smart, connected products—from fitness trackers to home systems—that gather and transmit detailed information.<p>Though some …

Privacy

What Are 'Data Brokers,' and Why Are They Scooping Up Information About You?

These sites you haven't heard of are sharing boatloads of data about you.<p>Going about your daily business—shopping online, buying a home, getting married, using a search engine, liking a Facebook page, registering to vote—leaves an enormous paper trail, and data brokers are scooping it up.<p>Data …

Experian secures FCA accreditation to supply Open Banking and PSD2 services

<b>June 21, 2018, UK:</b> The UK’s largest credit reference agency, Experian, can now offer Open Banking and PSD2 (Payment Services Directive 2) services to …

Open Banking

Oracle Defines Path to Open API Banking with an Unparalleled Array of Solutions

REDWOOD SHORES, Calif., Oct. 16, 2017 /PRNewswire/ -- In today's economy, banks seek to adapt a more customer-centric business model by delivering new services with greater transparency. Traditional banks understand that they must equip themselves with digital capabilities to avoid being …

Build a Concurrent Data Orchestration Pipeline Using Amazon EMR and Apache Livy | Amazon Web Services

Many customers use Amazon EMR and Apache Spark to build scalable big data pipelines. For large-scale production pipelines, a common use case is to …

Cloud Computing

Instagram is building non-SMS 2-factor auth to thwart SIM hackers

Hackers can steal your phone number by reassigning it to a different SIM card, use it to reset your passwords, steal your Instagram and other accounts and sell them for bitcoin. As detailed in a harrowing Motherboard article today, Instagram accounts are especially vulnerable because the app only …

Social Media

Disrupting Credit Scores With Blockchain

We have all heard about Nike. It’s the iconic brand associated with such athletes as Michael Jordan and Tiger Woods. It is a true symbol of American …

Interest Rates

Create a model for predicting orthopedic pathology using Amazon SageMaker | Amazon Web Services

Artificial intelligence (AI) and machine learning (ML) are gaining momentum in the healthcare industry, especially in healthcare imaging. The Amazon …

Machine Learning

AWS adds streaming algorithms to SageMaker machine learning platform

SageMaker will get streaming algorithms and better batch processing and pluck data directly from S3 storage.<p>special feature<p>The internet of things …

Machine Learning

Venmo: how the payment app exposes our private lives

Venmo is unusual because it combines social media with financial transaction. It’s hard to gauge expectations of privacy<p>Anyone can track a Venmo user’s purchase history and glean a detailed profile – including their drug deals, eating habits and arguments – because the payment app lacks default …

Santa Barbara

From data to Viz | Find the graphic you need

A lollipop plot is basically a barplot, where the bar is transformed in a line and a dot. It shows the relationship between a numeric and a categoric …

Handy

Here’s how Apple wants to conquer mobile payments, which could be a $3.4 trillion industry by 2022

There's a reason everyone seems to be getting into mobile payments. Thanks to increasing smartphone usage and a push for faster, simpler, more secure financial transactions, mobile payments could become a $3.4 trillion industry by 2022. In the US last year, eMarketer estimated it to be a $49 …

FinTech

The Strategic Role of Product Management when Development goes Agile

While software development teams have been moving toward agile methods for years, many product managers are only now becoming aware of it. An agile …

Product Management

Cryptocurrency Periodic Table Chart: 9 Types of Blockchain Assets Categories

With so many new cryptocurrencies arriving on the market, it’s time we created a more intelligent ordering system for the community.<p>Sure, you can …

Periodic Table

The Future of Agile: Innovators, Imitators, and Idiots

From time to time I see articles or blogs bemoaning the state of agile. The authors are concerned that the movement has gone awry, that people are …

Prototyping in Design Thinking: How to Avoid Six Common Pitfalls

<i>The Design Thinking process cannot be done without prototyping and testing. However, for companies or teams unfamiliar with the Design Thinking</i> …

Prototypes

Kontomatik API Documentation

Introduction<p>Overview<p>Kontomatik is a read-only API to banks. Kontomatik is able to import personal data, account balances and full statements from any …

APIs

How Singapore Will Run the Country Using APIs

How do you integrate data and services from a bureaucratic maze that includes 85 government agencies each with their own requirements? According to …

Microservices

Nordea

Zopa says its customers have welcomed Open Banking

ZOPA’S early foray into Open Banking has already been successful, with over 50 per cent of its potential borrowers who need to verify their income …

Open Banking

Uber and Uber Eats to Accept Venmo for Payments

Two popular mobile services are moving closer together. Ride hailing service Uber said on Thursday that it was adding an option in its apps for …

FinTech

Nationwide backs Open Banking for Good challenge

29 minutes ago | 199 views | 0<p>Nationwide Building Society has challenged the fintech community to develop Open Banking technology that helps improve …

Open Banking

TISA launches Digital ID pilot

This pilot phase building on the successful, earlier consumer research and emulation phases of the project.<p>The organisation believes the project will …

Financial Services

Three “Second Layer” Blockchain Solutions to Keep an Eye On

You and I are both believers inblockchain. Not just blockchain, but <b>Blockchain </b>—<b> </b>bold with a capital <i>B.</i> It’s revolutionary, it’s inevitable, it’s the …

Blockchain

Horizontal and Vertical User Stories – Slicing the Cake

User Stories