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Chatbots, AI and FinTech | @ExpoDX #AI #API #FinTech #Blockchain #Bitcoin
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.


DXWorldEXPO LLC, the producer of the world's most influential technology conferences and trade shows has announced the conference tracks for CloudEXPO | DXWorldEXPO 2018 New York.

DXWordEXPO New York 2018, colocated with CloudEXPO New York 2018 will be held November 11-13, 2018, in New York City.

Digital Transformation (DX) is a major focus with the introduction of DXWorldEXPO within the program. Successful transformation requires a laser focus on being data-driven and on using all the tools available that enable transformation if they plan to survive over the long term.

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DXWorldEXPO | CloudEXPO 2018 New York cover all of these tools, with the most comprehensive program and with 222 rockstar speakers throughout our industry presenting 22 Keynotes and General Sessions, 200 Breakout Sessions along 10 Tracks, as well as our signature Power Panels. Our Expo Floor brings together the world's leading companies throughout the world of Cloud Computing, DevOps, FinTech, Digital Transformation, and all they entail.

As your enterprise creates a vision and strategy that enables you to create your own unique, long-term success, learning about all the technologies involved is essential. Companies today not only form multi-cloud and hybrid cloud architectures, but create them with built-in cognitive capabilities.

Cloud-Native thinking is now the norm in financial services, manufacturing, telco, healthcare, transportation, energy, media, entertainment, retail and other consumer industries, as well as the public sector.

CloudEXPO is the world's most influential technology event where Cloud Computing was coined over a decade ago and where technology buyers and vendors meet to experience and discuss the big picture of Digital Transformation and all of the strategies, tactics, and tools they need to realize their goals.

FinTech Is Now Part of the DXWorldEXPO | CloudEXPO Program!

Financial enterprises in New York City, London, Singapore, and other world financial capitals are embracing a new generation of smart, automated FinTech that eliminates many cumbersome, slow, and expensive intermediate processes from their businesses.

Accordingly, attendees at the upcoming 22nd CloudEXPO | DXWorldEXPO November 11-13, 2018 in New York City will find fresh new content in two new tracks called:

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which will incorporate FinTech and Blockchain, as well as machine learning, artificial intelligence and deep learning in these two distinct tracks.

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FinTech brings efficiency as well as the ability to deliver new services and a much improved customer experience throughout the global financial services industry. FinTech is a natural fit with cloud computing, as new services are quickly developed, deployed, and scaled on public, private, and hybrid clouds.

More than US$20 billion in venture capital is being invested in FinTech this year. DXWorldEXPOCloudEXPO are pleased to bring you the latest FinTech developments as an integral part of our program.

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Only DXWorldEXPO | CloudEXPO bring together all this in a single location:

Attend DXWorldEXPO | CloudEXPO. Build your own custom experience. Learn about the world's latest technologies and chart your course to Digital Transformation.

22nd International DXWorldEXPO | CloudEXPO, taking place November 11-13, 2018, in New York City, will feature technical sessions from a rock star conference faculty and the leading industry players in the world.

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Cloud computing is now being embraced by a majority of enterprises of all sizes. Yesterday's debate about public vs. private has transformed into the reality of hybrid cloud: a recent survey shows that 74% of enterprises have a hybrid cloud strategy. Meanwhile, 94% of enterprises are using some form of XaaS - software, platform, and infrastructure as a service.

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Companies are each developing their unique mix of cloud technologies and services, forming multi-cloud and hybrid cloud architectures and deployments across all major industries. Cloud-driven thinking has become the norm in financial services, manufacturing, telco, healthcare, transportation, energy, media, entertainment, retail and other consumer industries, and the public sector.

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DXWorldEXPO | CloudEXPO are the single show where technology buyers and vendors can meet to experience and discus cloud computing and all that it entails. Sponsors of DXWorldEXPO | CloudEXPO will benefit from unmatched branding, profile building and lead generation opportunities through:

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The upcoming 22nd International DXWorldEXPO | CloudEXPO November 11-13, 2018 in New York City, NY announces that its Call For Papers for speaking opportunities is now open.

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About Valeriia Timokhina
Valeriia Timokhina is a blog editor and IT manager at Eastern Peak, a top-ranked custom software development company. Founded in 1999, PEAK-System is a leading provider of hardware, software, and services for the mobile and industrial communication sector with emphasis on the field busses CAN and LIN.

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In the old world of IT, if you didn't have hardware capacity or the budget to buy more, your project was dead in the water. Budget constraints can leave some of the best, most creative and most ingenious innovations on the cutting room floor. It's a true dilemma for developers and innovators – why spend the time creating, when a project could be abandoned in a blink? That was the old world. In the new world of IT, developers rule. They have access to resources they can spin up instantly. A hybrid cloud ignites innovation and empowers developers to focus on what they need. A hybrid cloud blends the best of all worlds, public cloud, private cloud and dedicated servers to fit the needs of developers and offer the ideal environment for each app and workload without the constraints of a one-size-fits-all cloud.

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CloudEXPO | DevOpsSUMMIT | DXWorldEXPO Silicon Valley 2019 will cover all of these tools, with the most comprehensive program and with 222 rockstar speakers throughout our industry presenting 22 Keynotes and General Sessions, 250 Breakout Sessions along 10 Tracks, as well as our signature Power Panels. Our Expo Floor will bring together the leading global 200 companies throughout the world of Cloud Computing, DevOps, IoT, Smart Cities, FinTech, Digital Transformation, and all they entail. As your enterprise creates a vision and strategy that enables you to create your own unique, long-term success, learning about all the technologies involved is essential. Companies today not only form multi-cloud and hybrid cloud architectures, but create them with built-in cognitive capabilities.
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As we enter a new year, it is time to look back over the past year and resolve to improve upon it. In 2014, we will see more service providers resolve to add more personalization in enterprise technology. Below are seven predictions about what will drive this trend toward personalization.
IT organizations face a growing demand for faster innovation and new applications to support emerging opportunities in social, mobile, growth markets, Big Data analytics, mergers and acquisitions, strategic partnerships, and more. This is great news because it shows that IT continues to be a key stakeholder in delivering business service innovation. However, it also means that IT must deliver new innovation despite flat budgets, while maintaining existing services that grow more complex every day.
Cloud computing is transforming the way businesses think about and leverage technology. As a result, the general understanding of cloud computing has come a long way in a short time. However, there are still many misconceptions about what cloud computing is and what it can do for businesses that adopt this game-changing computing model. In this exclusive Q&A with Cloud Expo Conference Chair Jeremy Geelan, Rex Wang, Vice President of Product Marketing at Oracle, discusses and dispels some of the common myths about cloud computing that still exist today.
Despite the economy, cloud computing is doing well. Gartner estimates the cloud market will double by 2016 to $206 billion. The time for dabbling in the cloud is over! The 14th International Cloud Expo, co-located with 5th International Big Data Expo and 3rd International SDN Expo, to be held June 10-12, 2014, at the Javits Center in New York City, N.Y. announces that its Call for Papers is now open. Topics include all aspects of providing or using massively scalable IT-related capabilities as a service using Internet technologies (see suggested topics below). Cloud computing helps IT cut infrastructure costs while adding new features and services to grow core businesses. Clouds can help grow margins as costs are cut back but service offerings are expanded. Help plant your flag in the fast-expanding business opportunity that is The Cloud, Big Data and Software-Defined Networking: submit your speaking proposal today!
What do you get when you combine Big Data technologies….like Pig and Hive? A flying pig? No, you get a “Logical Data Warehouse.” In 2012, Infochimps (now CSC) leveraged its early use of stream processing, NoSQLs, and Hadoop to create a design pattern which combined real-time, ad-hoc, and batch analytics. This concept of combining the best-in-breed Big Data technologies will continue to advance across the industry until the entire legacy (and proprietary) data infrastructure stack will be replaced with a new (and open) one.
While unprecedented technological advances have been made in healthcare in areas such as genomics, digital imaging and Health Information Systems, access to this information has been not been easy for both the healthcare provider and the patient themselves. Regulatory compliance and controls, information lock-in in proprietary Electronic Health Record systems and security concerns have made it difficult to share data across health care providers.
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.
Testimonials
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
 
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."
@Cnnct2me
 
One of the best conferences we have attended in a while. Great job, Cloud Expo team! Keep it going."

@Flexential


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Digital Transformation Blogs
Atmosera delivers modern cloud services that maximize the advantages of cloud-based infrastructures. Offering private, hybrid, and public cloud solutions, Atmosera works closely with customers to engineer, deploy, and operate cloud architectures with advanced services that deliver strategic business outcomes. Atmosera's expertise simplifies the process of cloud transformation and our 20+ years of experience managing complex IT environments provides our customers with the confidence and trust that they are being taken care of.
Digital Transformation and Disruption, Amazon Style - What You Can Learn. Chris Kocher is a co-founder of Grey Heron, a management and strategic marketing consulting firm. He has 25+ years in both strategic and hands-on operating experience helping executives and investors build revenues and shareholder value. He has consulted with over 130 companies on innovating with new business models, product strategies and monetization. Chris has held management positions at HP and Symantec in addition to advisory roles at startups. He has worked extensively on monetization, SAAS, IoT, ecosystems, partne...
Inzata is a powerful, revolutionary data analytics platform for integrating, exploring, and analyzing data of any kind, from any source, at massive scale. Powerful AI-assisted Modeling and a patented analytics engine help users quickly load, blend and model raw and unstructured data into powerful enterprise data models, actionable real-time analytics and engaging visualizations. Go beyond spreadsheets and slides and compose a powerful narrative about how your business is performing, and how you could make it better.