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Chatbots, AI and #FinTech | @CloudExpo #AI #ML #DX #DigitalTransformation
Artificial Intelligence is currently among the most promising FinTech trends

FinTech is a lucrative, yet quite saturated market. In order to stay competitive, businesses should keep track of the emerging trends and be able to capitalize on them before their competitors do.

Artificial Intelligence is currently among the most promising FinTech trends. Leading financial brands such as Capital One, MasterCard, as well as hundreds of startups have set the pace for the adoption of virtual financial advisors. If you want to stay ahead of your competition or simply explore the opportunities for AI in fintech, this article is for you.

Here is a brief overview of the existing AI-powered personal finance apps as well as some useful tips on how to develop one.

AI and Chatbots: The hottest topics of 2017
The recent shift in consumer behavior triggered a new wave of innovation across major industries. Traditional business models and strategies are being replaced by more customer-centric, personalized, data-driven approaches. While such industries as retail and travel have been paving the way for AI adoption, finance technologies are already catching up.

Namely, PWC research finds that 30% of large financial institutions are currently investing in AI. Moreover, AI-focused fintech startups have attracted overall higher investments with an average of US$1 billion in investments over the last two years.

There are many ways to apply artificial intelligence and related technologies in the financial domain: from fraud detection algorithms and anti-money laundering patterns to automated trading and 24/7 personalized financial assistance.

The latter can be achieved with a complex combination of data analytics, natural language processing, and machine learning wrapped in a conversational interface. Often referred to as chatbots, such AI-powered virtual assistants, as a fintech trend, are widely used in personal finance apps.

chatbot-apps

A survey conducted by Personetics further proves the potential of this trend. Namely, three out of four financial institutions surveyed view chatbots as a lucrative investment opportunity which should be pursued within the next 1-2 years. As a result, the share of transactions handled by AI agents is expected to grow substantially in the coming years. In the sphere of personal finance, robo advisors are expected to manage about $8 trillion by 2020.

Let’s take a closer look at the major use cases for AI-powered chatbot apps in the finance industry.

Five ways AI and chatbots are reshaping financial services

1. Real-time access to bank accounts, spending insights, and tailored financial recommendations
These are probably the most widely used and the most important functions a finance chatbot can perform. The examples of such products are quite numerous.

penny-personal-finance-app-example-of-chatbot-apps

  • App: Penny
  • Links: web, AppStore, GooglePlay
  • Target platforms: iOS, Android (standalone app)
  • Cost and monetization model: The app is free to download and use. The company monetizes the app through partnerships and referrals.

penny-personal-finance-app-summary-bill-screen penny-personal-finance-app-categories-screen

Penny app is one of the most popular solutions in this area. By connecting it to your bank account(s), you can instantly get tailored insights into the current state of your finances, transactions history, and even forecasts.

penny-example-of-personal-finance-chatbot-apps-history-screen penny-example-of-personal-finance-chatbot-apps-spending-goals-screen

This free to use chatbot app has a clean, intuitive interface and extremely human-like conversational skills. Moreover, Penny provides “bank-grade” security with an SSL 256-bit encryption and Touch ID authentication.

finie-personal-finance-ai-powered-chatbot-app

  • App: Finie
  • Links: web
  • Target platforms: third-party add-on for banking apps.
  • Cost and monetization model: The technology is sold as a subscription-based service for banks and financial institutions.

Another outstanding example of a personal finance management chatbot is Finie. Based on the Clinc AI platform, this personal finance assistant is somewhat different from the Penny app.

finie-ai-clinc-powered-personal-finance-management-app finie-ai-clinc-powered-personal-finance-management-app-screen-statistics

Used as a smart add-on for banking apps, the tool is positioned as “a Siri for your bank account.”

finie-ai-powered-chatbot-app-screen

The technology allows a user to access information about their financial accounts through a voice interface. Moreover, Finie has deep learning and advanced NLP capabilities, thus it is able to recognize and understand complex queries, not just standard questions.

Opportunity: Instead of simply providing access to available financial information, chatbots can apply deep insights and predictive analytics, offering sound, custom financial advice and guidance to its users. For example, instead of just alerting you when your credit score drops, it suggests ways to improve it. As Edrizio de la Cruz, co-founder and CEO of Regalii put it, “Not just predictive data but specific actions on that predictive data.”

2. Expense tracking and budgeting
Another integral part of any personal finance chatbot app is the ability to keep track of your expenses so that you can plan your spending accordingly.

cleo-chatbot-apps-for-personal-finance-advice

  • App: Cleo
  • Links: web
  • Target platforms: Facebook Messenger, text messages, Amazon Alexa, and Google Assistant.
  • Cost and monetization model: The chatbot is free to use and doesn’t sell their customers’ data. Instead, the company is planning to offer their own financial products.

cleo-expense-tracking-and-budgeting-app-screen-with-messaging-for-saving-money cleo-expense-tracking-and-budgeting-app-screen-example

Cleo handles both tasks seamlessly. This chatbot provides detailed reports about a user’s spending habits and trends, allowing them to set realistic budgeting goals. Advanced analytics allow the chatbot to make tailored recommendations on how to budget better while custom reminders and alerts help a user stay on track.

cleo-personal-finance-chatbot-app

Cleo can be accessed through Facebook Messenger and integrates with Amazon’s Alexa and Google Home.

  • App: Olivia
  • Links: web, AppStore
  • Target platforms: iOS.
  • Cost and monetization model: Referrals, target offers (tailored and relevant ads).

olivia-personal-ai-assistant-and-chatbot-app-screen olivia-personal-ai-assistant-and-chatbot-app-welcome-screen

Another personal AI assistant, Olivia, is a standalone chatbot app (currently, the open beta version is available on iOS only). Positioned as a “financial assistant that helps you stretch your paycheck,” the app focuses primarily on budgeting and smarter financial management.

olivia-personal-finance-chatbot-app-savings-screen olivia-personal-finance-chatbot-app-dialog-screen

A user can consult with the app when it comes to any purchase: Olivia can tell exactly how much a user can afford to spend every day/week/month (based on their budget and savings goals).

Opportunity: Most budgeting chatbots seem to fail when it comes to people with no regular income (freelancers, for example). Being able to unveil the trends in financial activity and predict/adapt to their changes is crucial for effective budgeting products in the future.

3. Smart savings
Tied closely to the previous feature, the ability of an AI agent to set the user’s spendings on autopilot can also be a crucial part of a successful personal finance chatbot.

  • App: Digit
  • Links: web, AppStore, GooglePlay
  • Target platforms: iOS, Android.
  • Cost and monetization model: A free 100 day trial period, afterwards – subscription-based model ($2.99 per month).

digit-is-an-example-of-ai-powered-smart-savings-chatbot-apps smart-savings-chatbot-app-digit

For example, Digit app connects to your bank account(s) and analyzes your income and spending data. Based on these insights into your finances, the app then automatically identifies when and how much can be safely saved (without going into overdraft). The money is safely stored in your personal Digit savings account (with a 1% annualized savings bonus). Any amount of the saved money can be withdrawn at any time with a single text query.

digit-app-screen digit-personal-finance-app-for-smart-savings

The startup has scored over $36 million so far from a number of leading investors, including Google Ventures.

chip-personal-finance-app-website-screen

  • App: Chip
  • Links: web, AppStore, GooglePlay
  • Target platforms: iOS, Android.
  • Cost and monetization model: The app is free to use.

chip-smart-savings-personal-finance-app-screen

Chip is another finance chatbot app with a focus on savings. While the savings process is completely automated and relies on AI (similar to Digit), a user can instantly check their savings account balance, or withdraw funds with a simple chat command.

chip-app-screen-security-stats chip-one-of-the-chatbot-apps-for-smart-savings-screen

Yet, unlike Digit, Chip offers flexible interest bonuses: With every referral you can earn a 1% bonus (up to 5% in total).

Opportunity: AI-assisted overdrafts management is another opportunity for micro-saving chatbots. Notifying the users about possible overdrafts, tracking upcoming payments or pending transactions that might cause an overdraft, might be a valuable addition to your product.

4. Micro investments
Many personal finance chatbot apps offer users additional ways to grow their wealth (in addition to interest bonuses on saved money). The so-called micro investments can also be set on autopilot by AI-powered agents.

plum-micro-investments-personal-finance-app-website

  • App: Plum
  • Links: web
  • Target platforms: Facebook Messenger
  • Cost and monetization model: The chatbot is free to use.

plum-micro-investments-personal-finance-app-savings-feature-screen plum-micro-investments-personal-finance-app-screen

An example of a savings-focused finance chatbot offering this capability is Plum, a Messenger chatbot founded by the former Head of International at TransferWise, Victor Trokoudes. The app allows a user not only to save money through automated withholdings, but to put it to work by safely investing small amounts of it on RateSetter, one of the biggest peer-to-peer lenders in the UK. Just like savings and withdrawals, its investment capability can be accessed with a single text command using a familiar Messenger interface.

plum-personal-finance-chatbot-app-screen

The startup is quite new, yet the adoption has been impressive so far. The app was launched in January 2017 with 5,000 users in the waitlist. Ever since then, the numbers have been growing steadily by 25% month to month.

Opportunity: While the idea of putting your saved money to work is appealing, chatbots can be used to automate the “traditional” investment and portfolio management as well. By using AI to calculate the risks and recommend the right investment opportunities at the right time, you could give the users an opportunity to invest small amounts of their own money (not just the money in their savings account).

5. Payments and money transfers
Similarly to transferring money to an internal savings account, some chatbot apps allow you to make peer to peer payments.

  • App: KAI by Kasisto
  • Links: web
  • Target platforms: A third-party add-on for banking apps (KAI Banking on Mobile); A white-label solution for messengers (KAI Banking on Messaging); A consumer-facing product (MyKAI) that works with Facebook Messenger, SMS, and Slack.
  • Cost and monetization model: The consumer product is free to use. The product is monetized through partnerships with financial institutions.

mykai-a-great-example-of-chatbot-apps-for-money-transfers-and-payments mykai-payments-and-money-transfers-chatbot-app

One example of such an app is MyKAI, a chatbot based on Kasisto, an industry-specific conversational AI platform. Using Facebook Messenger, SMS, or Slack, a user can get instant access to their bank account(s) and transfer money to other users with a simple text command.

mykai-personal-finance-app-spending-screen

The payments are processed using the chatbot integration with Venmo.

  • App: TransferWise bot
  • Links: web
  • Target platforms: Facebook Messenger.
  • Cost and monetization model: The chatbot is free to use.

Another product in this sphere is represented by a leading fintech startup TransferWise. The company has recently introduced its own chatbot for Facebook Messenger, the TransferWise bot.

transferwise-chatbot-app-for-money-transfers

As the company’s Head of Global Partnerships, Scott Miller, stated in the press release, “Our mission at TransferWise is to bring faster, cheaper, and more convenient international money transfers to everyone in the world. Building the TransferWise bot for Messenger is a great step in that direction”.

Opportunity: Given the growing trend for “social payments,” the chances are, most of the personal transactions will soon be handled through messaging apps. Chatbots can help users automate this process and further simplify it.

How to develop an AI-powered personal finance app: Best practices
With the advances in AI technologies, smart financial assistants are expected to become an integral part of our day to day life or completely replace traditional personal financial management.

traditional-personal-finance-management

Offering a huge number of benefits such as reduced operating costs and an overall better customer experience, more financial institutions and startups will be betting on this fintech trend. If you want to join the chatbot revolution, here are several tips to consider.

  1. Choose a proper target platform (a website add-on, a standalone mobile app, Facebook Messenger, Amazon’s Alexa, etc.) While chatbots targeting third-party apps like Messenger or Slack are easier and cheaper to build, custom chatbot apps offer more flexibility and better scalability options.
  2. Provide personalized, human-like user experiences. Interacting with your chatbot should be as close to communicating with a real person as possible. Make sure your bot understands natural language and is simply fun and engaging to use.
  3. happy-man-using-personal-finance-chatbot-apps

  4. Be useful. If you are offering the same features that other apps already provide, strive for a better user experience or performance. Make sure your chatbot stands out among the competition and adds real value.
  5. Get smarter. Utilize the power of machine learning and customer data to continuously improve your product’s capabilities. The chatbot needs to keep up with and constantly adapt to the incoming information.
  6. Prioritize security. This is a must-have for any app that deals with finances. Thus, you need to apply bank-level encryption, advanced authentication methods, and other layers of security to keep your users’ data secure.

app-security

If you want to build a finance chatbot app, finding a reliable and experienced technology provider is a must. Having worked with some some of the leading financial companies, including Western Union, we at Eastern Peak have the relevant experience and required skills to help you implement your ideas. Contact us now for a free consultation.

Read also:

The post Chatbots and AI – the Fintech Trends to Watch appeared first on Eastern Peak.

Read the original blog entry...

About Valeriia Timokhina
Valeriia Timokhina is a blog editor and IT manager at Eastern Peak, a top-ranked custom software development company.

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Cloud Expo, Inc. has announced today that Vanessa Alvarez has been named conference chair of Cloud Expo® 2014. 14th International Cloud Expo will take place on June 10-12, 2014, at the Javits Center in New York City, New York, and 15th International Cloud Expo® will take place on November 4-6, 2014, at the Santa Clara Convention Center in Santa Clara, CA.
12th International Cloud Expo, held on June 10–13, 2013 at the Javits Center in New York City, featured four content-packed days with a rich array of sessions about the business and technical value of cloud computing led by exceptional speakers from every sector of the cloud computing ecosystem. The Cloud Expo series is the fastest-growing Enterprise IT event in the past 10 years, devoted to every aspect of delivering massively scalable enterprise IT as a service.
Ulitzer.com announced "the World's 30 most influential Cloud bloggers," who collectively generated more than 24 million Ulitzer page views. Ulitzer's annual "most influential Cloud bloggers" list was announced at Cloud Expo, which drew more delegates than all other Cloud-related events put together worldwide. "The world's 50 most influential Cloud bloggers 2010" list will be announced at the Cloud Expo 2010 East, which will take place April 19-21, 2010, at the Jacob Javitz Convention Center, in New York City, with more than 5,000 expected to attend.
It's a simple fact that the better sales reps understand their prospects' intentions, preferences and pain points during calls, the more business they'll close. Each day, as your prospects interact with websites and social media platforms, their behavioral data profile is expanding. It's now possible to gain unprecedented insight into prospects' content preferences, product needs and budget. We hear a lot about how valuable Big Data is to sales and marketing teams. But data itself is only valuable when it's part of a bigger story, made visible in the right context.
Cloud Expo, Inc. has announced today that Larry Carvalho has been named Tech Chair of Cloud Expo® 2014. 14th International Cloud Expo will take place on June 10-12, 2014, at the Javits Center in New York City, New York, and 15th International Cloud Expo® will take place on November 4-6, 2014, at the Santa Clara Convention Center in Santa Clara, CA.
Everyone talks about a cloud-first or mobile-first strategy. It's the trend du jour, and for good reason as these innovative technologies have revolutionized an industry and made savvy companies a lot of money. But consider for a minute what's emerging with the Age of Context and the Internet of Things. Devices, interfaces, everyday objects are becoming endowed with computing smarts. This is creating an unprecedented focus on the Application Programming Interface (API) as developers seek to connect these devices and interfaces to create new supporting services and hybrids. I call this trend the move toward an API-first business model and strategy.
We live in a world that requires us to compete on our differential use of time and information, yet only a fraction of information workers today have access to the analytical capabilities they need to make better decisions. Now, with the advent of a new generation of embedded business intelligence (BI) platforms, cloud developers are disrupting the world of analytics. They are using these new BI platforms to inject more intelligence into the applications business people use every day. As a result, data-driven decision-making is finally on track to become the rule, not the exception.
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Cloud Expo Silicon Valley All-Star Speakers Include

RICHARDS
Venafi

SINGH
IBM

NIELSON
Redis Labs

FRIEDMAN
Edge

THIELE
Apcera

MONTE-
CILLO

IBM

SPROULE
Metavine

REUVENI
Jet

CHITTURI
Sungard

CEPPI
Canonical

HAFF
Red Hat

MATTHIEU
Octoblu

MAHADEV
Cisco

MCCARTHY
Bsquare

FELICIANO
AMDG

PAUL
VenueNext

SMITH
Eviot

BEAMER
goTraverse

GETTENS
goTraverse

CHAMBLISS
ReadyTalk

BLACK
SQLstream

KOCHER
Grey Heron

VISWA-
NATHAN

Cognizant

LARSSON
Qosmos

COHEN
Institute

SCHEELE
Loodse

HERBERTS
Cityzen Data

REITBAUER
Dynatrace

WILLIAM-
SON

Cloud
Computing

FEATHER-
STON

Collaborative
Consulting

SEHGAL
Tintri

SRINIVAS
IBM

AHUJA
Impiger

SUDH-
AKAR

Splunk

TISH-
GART

Cloudera

SCHMARZO
EMC

KENDRICK
Isomorphic

KUCKEIN
DDN

WOOD
VeloCloud

WALLGREN
Electric Cloud

VARAN-
NATH

GE

RAVE
Teridion

CHOU
Microsoft

SRIDHARA-
BALAN

Pulzze

SHARIF
Aporeto

JAME-
NSKY

Embotics

METRIC
Linux

MONTES
Iced

ARIOLA
Parasoft

HOLT
Daitan

CUNNING-
HAM

ReadyTalk

BEDRO-
SIAN

Cypress

NAMIE
Cisco

JENKINS
IBM

DOYLE
eCube

THOM-
CHICK

Symantec

BRENTON
CollabNet

BERCO-
VICI

SolidFire

NAKA-
GAWA

Transparent
Cloud

SHIBATA
Transparent
Cloud

BOYD
Neo4j

BABIN
Kaltura

VANDER-
MINDEN

Flatiron
Strategies

MORAN
BMC

CASEY
CFN

ZHENG
CDS

WARD
DWE

DEMEO
Alfresco

STIGTER
TIBCO

MILLER
Covisint

EVAVOLD
Covisint

MEINER
Oracle

MEEHAN
Esri

WITECK
Citrix

LEUFFEN
Wrecker

ROGERS
Anexia

NEW
HOUSE

Agilitiv

DE MENO
Commvault

VAN TUIN
Red Hat

LIANG
Rancher Labs

BUTLER
Tego

MURTHY
Cloud Raxak

REMIL-
LARD

Microsoft

MANN
Splunk

ROWE
IBM Cloud

SKILLERN
Intel

ALLEN
Progress

BENEDICT
Cognizant

SMITH
Numerex
Cloud Expo New York All-Star Speakers Include

DE MENO
Commvault

ERWAY
Appneta

KEYS
ConsenSys

HINCH-
CLIFFE

7Summits

DOYLE
eCube

CHAVES
Pythian

BLOOMBERG
Intellyx

BUGAYENKO
Teamed.io

LAWSON
NewSci

HAFF
RedHat

HOLT
IBM

Jewell
Codenvy

MORGENTHAL
CSC

ARMSTRONG
AppNeta

DWYER
Iron.io

MATSUMURA
Gradle

WARFIELD
Coho

CLELAND
HGST

VASILIOU
Catchpoint

WALLGREN
Electric Cloud

DE SOUZA
Cisco

RANDALL
Gartner

ARMSTRONG
AppNeta

SMALLTREE
Cazena

MCCARTHY
Bsquare

DELOACH
Infobright

QUINT
Ontegrity

MCLAUCHLAN
Buddy Platform

MCCALLUM
Falconstor

GRECO
Kaazing

PRESLEY
Pythian

LOVELL-TROY
Pythian

PALIOTTA
Vector

ATCHISON
New Relic

BHUSVANE-
SHWARI

Microsoft

MITRA
Cognizant

KOCHER
Grey Heron

GUCCIONE
Keeper

PAPDO
POULOS

Cloud9

FLOREA
Tintri

HARLAN
Two Bulls

GOLO
SHUBIN

Bit6

KERBY
BMC

PROIETTI
Location
Smart

MARTIN
nfrastructure

RAO
Asurion

BRENTON
CollabNet

MOULINE
Everbridge

MARSH
Blue Pillar

SRINIVASAN
Symantec

GALBRAITH
HPE

NEWTON
Alfresco

PARKS
SecureRF

PEROTTI
Plantronics

ROGERS
Anexia

HOFFMAN
EastBanc

MORRISH
Interoute

TIFFANY
SoftLayer

OSTROVER-
KHYI

Mobidev

LEWIS
Formation
Data

KENDRICK
Isomorphic

WATSON
Trendalyze

BENSONOFF
Unigma

REEVES
Datical

WALLER-
STORFER

Dynatrace

CIOT
Progress

SHAN
CTS

MATTELA
Redpine

MOR
Cloudyn

GILLEN
Spark
Coginition

SOLT
Netvibes

BERNARDO
GE Digital

ROMANSKY
TrustPoint

LEFORT
BMC

ANDERSON
BMC

BRODY
Webair

NIELSEN
Redis Labs

BEAMER
GoTransverse

LESTER
LogMeIn

PONO
-MAREVA

Google

SINGH
Sencha

CALKINS
Amadeus

SEHGAL
Tintri

KLEIN
Rachio

MANN
Splunk

HOASIN
Aeris

SARKARIA
PHEMI

SPROULE
Metavine

YOO
Fuze

SNELL
Intel

COTY
Alert Logic

LANDA
Kintone

CHOQUETTE
RackN

MARTIN
Security

LEVINE
CytexOne

ALLEN
Freewave

HURWITZ
Hurwitz & Assc.

HYEDT
Seamless

SWANN
Adobe

NGUYEN
Adobe

OXENHORN
FalconStor

RAJAGO-
PALAN

ACCELERITE

DESH-
PANDE

ACCELERITE

MURTHY
Cloud Raxak

HARRIS
Cloud Raxak

COLE
Peak 10

HUYNH
VAN

Glue Networks

SOBHANI
Constellation

BERMING
HAM

SIOS

STEELE
Hanu

AKELA
Appdynamics

DOWNEY
BMC

ERRAM
OUSPE

Spanning

SAADI
Govplace

JACOBS
Singlehop

KEE
GlobalSign

Cloud Expo Silicon Valley All-Star Speakers Include

KOWALL
AppDynamics

VAN TUIN
Red Hat

DEMMER
Jut

COHEN
Netflix

MUCHANDI
Red Hat Inc

BORELLO
Sysdig

GILPIN
Conjur

KANADE
Harbinger
Systems

GORBACHEV
Systems
Services Inc.

SUSSMAN
Coalfire

KHAN
Solgeniakhela

CHOKSI
Harbinger
Systems

DE MENO
CommVault

BLOOMBERG
Intellyx

BUGWADIA
Nirmata

COTY
Alert Logic

FLETCHER
Alert Logic

CAUTHRON
NIMBOXX

LYNN
AgilData

WAGNER
Cloudyn

ANAND
Appocito

WEISS
Pythian

BRODY
Webair

JACKSON
Softlayer

DAVIDSON
Juniper

HOFFMAN
Pivotal

VERVAET
HGST

Murthy
CloudRaxak

FRANCISCO
Evolute

LETCHIN
Nexenta

SIMON
JFrog

BONIFAZI
Solgenia

WEISS
ProfitBricks

HOLT
IBM

HANNON
SoftLayer

GALLO
SoftLayer

SAYEGH
Codero

BIMMU
Clouber

SRINIVAS
IBM

CHAVAN
IBM

HEDGES
Clouddata

AHUJA
Cloud

MEINER
Oracle

SWARTZ
Ericsson
Cloud Expo New York All-Star Speakers Included

DE SOUZA
Cisco

POTTER
SafeLogic

ROBINSON
CompTIA

WARUSA
-WITHANA

WSO2 Inc

MEINER
Oracle

CHOU
Microsoft

HARRISON
Tufin

BRUNOZZI
VMware

KIM
MapR

KANE
Dyn

SICULAR
Basho

TURNER
Cloudian

KUMAR
Liaison

ADAMIAK
Liaison

KHAN
Solgenia

BONIFAZI
Solgenia

SUSSMAN
Coalfire

ISAACSON
RMS

LYNN
CodeFutures

HEABERLIN
Windstream

RAMA
MURTHY

Virtusa

BOSTOCK
IndependenceIT

DE MENO
CommVault

GRILLI
Adobe

WILLIAMS
Rancher Labs

CRISWELL
Alert Logic

COTY
Alert Logic

JACOBS
SingleHop

MARAVEI
Cisco

JACKSON
Softlayer

SINGH
IBM

HAZARD
Softlayer

GALLO
Softlayer

TAMASKAR
GENBAND

SUBRA
-MANIAN

Emcien

LEVESQUE
Windstream

IVANOV
StorPool

BLOOMBERG
EnterpriseWeb

BUDHANI
Soha

HATHAWAY
IBM Watson

TOLL
ProfitBricks

LANDRY
Microsoft

BEARFIELD
Blue Box

HERITAGE
Akana

PILUSO
SIASMSP

HOLT
IBM Cloudant

SHAN
CTS

PICCININNI
EMC

BRON-
GERSMA

Modulus

PAIGE
CenturyLink

SABHIKHI
Cognitive Scale

MILLS
Green House Data

KATZEN
CenturyLink

SLOPER
CenturyLink

SRINIVAS
EMC

TALREJA
Cisco

GORBACHEV
Systems Services Inc.

COLLISON
Apcera

PRABHU
OpenCrowd

LYNN
CodeFutures

SWARTZ
Ericsson

MOSHENKO
CoreOS

BERMINGHAM
SIOS

WILLIS
Stateless Networks

MURPHY
Gridstore

KHABE
Vicom

NIKOLOV
GetClouder

DIETZE
Windstream

DALRYMPLE
EnterpriseDB

MAZZUCCO
TierPoint

RIVERA
WHOA.com

HERITAGE
Akana

SEYMOUR
6fusion

GIANNETTO
Author

CARTER
IBM

ROGERS
Virtustream
Cloud Expo Silicon Valley All-Star Speakers

TESAR
Microsoft

MICKOS
HP

BHARGAVA
Intel

RILEY
Riverbed

DEVINE
IBM

ISAACSON
CodeFutures

LYNN
HP

HINKLE
Citrix

KHAN
Solgenia

SINGH
Bigdata

BEACH
SendGrid

BOSTOCK
IndependenceIT

DE SOUZA
Cisco

PATTATHIL
Harbinger

O'BRIEN
Aria Systems

BONIFAZI
Solgenia

BIANCO
Solgenia

PROCTOR
NuoDB

DUGGAL
EnterpriseWeb

TEGETHOFF
Appcore

BRUNOZZI
VMware

HICKENS
Parasoft

KLEBANOV
Cisco

PETERS
Esri

GOLDBERG
Vormetric

CUMBER-
LAND

Dimension

ROSENDAHL
Quantum

LOOMIS
Cloudant

BRUNO
StackIQ

HANNON
SoftLayer

JACKSON
SoftLayer

HOCH
Virtustream

KAPADIA
Seagate

PAQUIN
OnLive

TSAI
Innodisk

BARRALL
Connected Data

SHIAH
AgilePoint

SEGIL
Verizon

PODURI
Citrix

COWIE
Dyn

RITTEN-
HOUSE

Cisco

FALLOWS
Kaazing

THYKATTIL
TimeWarner

LEIDUCK
SAP

LYNN
HP

WAGSTAFF
BSQUARE

POLLACK
AOL

KAMARAJU
Vormetric

BARRY
Catbird

MENDEN-
HALL

SUPERNAP

SHAN
KEANE

PLESE
Verizon

BARNUM
Voxox

TURNER
Cloudian

CALDERON
Advanced Systems

AGARWAL
SOA Software

LEE
Quantum

OBEROI
Concurrent, Inc.

HATEM
Verizon

GALEY
Autodesk

CAUTHRON
NIMBOXX

BARSOUM
IBM

GORDON
1Plug

LEWIS
Verizon

YEO
OrionVM

NAKAGAWA
Transparent Cloud Computing

SHIBATA
Ubiquitous Corp

NATH
GE

GOKCEN
GE

STOICA
Databricks

TANKEL
Pivotal Software

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This week I had the pleasure of delivering the opening keynote at Cloud Expo New York. It was amazing to be back in the great city of New York with thousands of cloud enthusiasts eager to learn about the next step on their journey to embracing a cloud-first worldl."
@SteveMar_Msft
General Manager of Window Azure
 
How does Cloud Expo do it every year? Another INCREDIBLE show - our heads are spinning - so fun and informative."
@SOASoftwareInc
 
Thank you @ThingsExpo for such a great event. All of the people we met over the past three days makes us confident IoT has a bright future."
Yasser Khan
CEO of @Cnnct2me
 
One of the best conferences we have attended in a while. Great job, Cloud Expo team! Keep it going."

@Peak_Ten


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@CloudExpo Blogs
The question before companies today is not whether to become intelligent, it’s a question of how and how fast. The key is to adopt and deploy an intelligent application strategy while simultaneously preparing to scale that intelligence. In her session at 21st Cloud Expo, Sangeeta Chakraborty, Chief Customer Officer at Ayasdi, provided a tactical framework to become a truly intelligent enterprise, including how to identify the right applications for AI, how to build a Center of Excellence to operationalize the intelligence and how to implement a strategy to scale efforts. She pulled from her ex...
"IBM is really all in on blockchain. We take a look at sort of the history of blockchain ledger technologies. It started out with bitcoin, Ethereum, and IBM evaluated these particular blockchain technologies and found they were anonymous and permissionless and that many companies were looking for permissioned blockchain," stated René Bostic, Technical VP of the IBM Cloud Unit in North America, in this SYS-CON.tv interview at 21st Cloud Expo, held Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA.
Troubleshooting a problem on a remote server, especially in production, is not an easy task. Sometimes it involves debugging the application code directly on the server. But the production servers are usually run in a strict environment, where not all convenient developer tools are available. In this article, you'll discover how to configure a running web server and debug your application using standard facilities provided by the Java platform.
One problem that all developers and companies struggle with is trying to decide if they should "build it" or "buy it". Software developers love to build things. That is what we do! Their natural reaction tends to lean towards building things. We are also always up for a new challenge. There are very good reasons for building or buying software. There are also good reasons to use open source projects, which is a third option.
The rule of thumb for network security today is that there is no perimeter anymore. An outsider can easily become an insider once perimeter security is breached. Every day, attackers find new ways to breach enterprise perimeter security through ransomware, malware or phishing through social engineering. This is not to suggest that all is lost. Rather, organizations can defeat cybercriminals, in part, by better managing what has already been put in place. As an example of what can go wrong if that doesn’t happen, consider the following story.
When shopping for a new data processing platform for IoT solutions, many development teams want to be able to test-drive options before making a choice. Yet when evaluating an IoT solution, it’s simply not feasible to do so at scale with physical devices. Building a sensor simulator is the next best choice; however, generating a realistic simulation at very high TPS with ease of configurability is a formidable challenge. When dealing with multiple application or transport protocols, you would be looking at some significant engineering investment. On-demand, serverless computing enables deve...
“Why incur the expense of generating and collecting all of this IoT data if you’re not going to monetize it?” Organizations are racing to embrace the Internet of Things (IoT) as the pundits create “visions of sugar-plums dancing in their heads.” McKinsey Global Institute released their study “The Internet of Things: Mapping the Value beyond the Hype” in June 2015 that highlighted the staggering financial value that IoT could create! (See Figure 1.)
Data Monetization! Data Monetization! Data Monetization! It’s the new mantra of many organizations. But what does “data monetization” really mean, how do you do it, and more importantly, who in the organization owns the job of “data monetization”? The role of Chief Data Officer (CDO) would seem to be a godsend to answer the data monetization challenge. They should be the catalyst in helping organizations to become more effective at leveraging data and analytics to power the digital transformation.
So data warehousing may not be cool anymore, you say? It’s yesterday’s technology (or 1990’s technology if you’re as old as me) that served yesterday’s business needs. And while it’s true that recent big data and data science technologies, architectures and methodologies seems to have rendered data warehousing to the back burner, it is entirely false that there is not a critical role for the data warehouse and Business Intelligence in digitally transformed organizations.
Bitcoins are a digital cryptocurrency and have been around since 2009. As a substitute for legal tender, they are becoming the rage for investors and others but because there is no government agency auditing or performing regulatory oversights, you wonder if it is the perfect breeding ground for electronic nanocrime. Since the introduction of the Bitcoin, some competitors have emerged and the whole segment of cryptocurrencies are defined as Altcoins. Altcoins include Dogecoin, Ethereum Feathercoin, Litecoin, Novacoin, Peercoin, and Zetacoin. Some of these cryptocurrencies are considered impro...
Let's do a visualization exercise. Imagine it's December 31, 2018, and you're ringing in the New Year with your friends and family. You think back on everything that you accomplished in the last year: your company's revenue is through the roof thanks to the success of your product, and you were promoted to Lead Developer. 2019 is poised to be an even bigger year for your company because you have the tools and insight to scale as quickly as demand requires. You're a happy human, and it's not just because of the bubbly in your glass. Now how does one turn this visualization into reality? You st...
The end of the year is a time for reflection. It’s when most of us are looking back at the choices, accomplishments, and mistakes of the year prior and setting goals to improve the following year. It’s also when businesses analyze the year’s trends and behaviors to determine necessary strategic changes to be made; however, if you aren’t analyzing the right metrics, such reflection is a useless effort. Below is an excerpt from an article provided by Elad Rave, founder and CTO of Teridion, explaining why TTLB (Time to Last Byte) should be one of the performance metrics on your radar.
identify the sources of event storms and performance anomalies will require automated, real-time root-cause analysis. I think Enterprise Management Associates said it well: “The data and metrics collected at instrumentation points across the application ecosystem are essential to performance monitoring and root cause analysis. However, analytics capable of transforming data and metrics into an application-focused report or dashboards are what separates actual application monitoring from relatively simple silo monitoring.
"Opsani helps the enterprise adopt containers, help them move their infrastructure into this modern world of DevOps, accelerate the delivery of new features into production, and really get them going on the container path," explained Ross Schibler, CEO of Opsani, and Peter Nickolov, CTO of Opsani, in this SYS-CON.tv interview at DevOps Summit at 21st Cloud Expo, held Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA.
BnkToTheFuture.com is the largest online investment platform for investing in FinTech, Bitcoin and Blockchain companies. We believe the future of finance looks very different from the past and we aim to invest and provide trading opportunities for qualifying investors that want to build a portfolio in the sector in compliance with international financial regulations.
Developing mobile apps has never been an easy task. Creating a mobile app for iOS means owning strong programming skills about Objective-C or Swift and knowing their APIs. Android-based apps are not so different: you have to know Java and the Android Platform and its API. The learning curve is not fast and it includes how to create nice and interactive user interfaces, connecting embedded features like GPS, camera, showing maps, images and so forth.
Quick quiz! What’s the first thing that comes to mind when you hear the following phrases? Artificial grass Artificial sweeteners Artificial flavors Artificial plants
How much does it cost to make an app is almost as popular a question as it is confusing. No one tries to learn the exact costs of, say, making a movie: people realize that there’s an overwhelming amount of variables involved on which they depend. But almost every day a new inquiry is posted on a tech forum, Quora, or Reddit as to how much it’d take to build a mobile business app.
Cavirin Systems has just announced C2, a SaaS offering designed to bring continuous security assessment and remediation to hybrid environments, containers, and data centers. Cavirin C2 is deployed within Amazon Web Services (AWS) and features a flexible licensing model for easy scalability and clear pay-as-you-go pricing. Although native to AWS, it also supports assessment and remediation of virtual or container instances within Microsoft Azure, Google Cloud Platform (GCP), or on-premise. By drawing on a comprehensive library of curated industry guidelines, control frameworks, and best practi...
The benefits of automation are well documented; it increases productivity, cuts cost and minimizes errors. It eliminates repetitive manual tasks, freeing us up to be more innovative. By that logic, surely, we should automate everything possible, right? So, is attempting to automate everything a sensible - even feasible - goal? In a word: no. Consider this your short guide as to what to automate and what not to automate.