The Face of Digital Disruption in the Mortgage Industry – Roadblocks and High Points

The industry is bursting with digital disruptions across verticals, whether its taxi services, accommodation providers or cinemas. Smart players who have spearheaded the digital revolution have done so by single-mindedly caring for the customer experience, as opposed to the resources fed into their service delivery.

How about the mortgage industry then? How far are we from crossing thisdigital chasm?

Key Roadblocks in Digitally Disrupting the Mortgage Landscape

Caring about your customers can profoundly control the extent and degree of innovation and eventual transformation for revolutionary market domination.But there is more to the mortgage industry,and it seems to lag behind. There are obvious reasons, inhibiting a welcome change:

  • Regulatory complianceis hard to traverse and mainly creates roadblocks in the way of innovation.
  • Complexities in mortgage products make them more costly and harder to convert into revenue generators.

Customer Experience is Still the Single Most Important Piece of Mortgage Processing

Here’s what’s preventing an excellent customer experience when it comes to mortgage products:

  • Customers find mortgage products and getting to their core featurescomplex, and determining the value they provide is a tough task for the average consumer.
  • When applying for a mortgage loan, they might want to take advantage of professional advice to exercise their best possible choices.

The attitude of innovation in the mortgage mindset itself has to undergo a drastic change, to unleash the right degree of force for digital disruption.

Traditional processes, underlying complications, the regulatory maze and most importantly, acceptance for the digital drive weighs you down considerably.

If you are in the mortgage space and creating a haven for your customers, then you are at your best by rolling out a plan that will care of the following:

  • The best digital and mobile experience on par with parallel industry verticals
  • An effective no-hassle plan to handle financial documents
  • Secure end-to-end processes with best in the industry security standards, audit and encryption mechanisms
  • High priority customer experience and an effectively guided path through your workflow

How Far Can You Get with Mortgage Digitization?

Digital technology can profoundly influence the mortgage process. You might empower the consumer by simplifying the mortgage process considerably, so your consumer feels empowered.

When getting your reliable and scalable product in the market, allowing your consumers to compare available options and getting through with the help of a pre-qualification tool and online application increases your efficiency.

Security is one of the most important aspects of the mortgage transaction and instils customer confidence. Encapsulating your digitization with the help of enterprise-grade technology helps effectively position your product on a global scale.

Competitive lenders must ensure that their technology solution must be extensible and flexible. Also, you must be easily able to configure technology for changing lending scenarios.

The digital world is pushing lenders to embrace digitization that matters to their consumers. Therefore, those who deploy meaningful solutions that create unmatched customer experiences are here to stay.



A Look Ahead to India’s Top FinTech Trends in 2017

A Great 2016 Leads to a Greater 2017

Bigger, Better, Bolder Than Before

Just like the sequel to your favorite film that you watched in your neighborhood theatre, 2017 promises to top a fantastic 2016. 2016 has laid the groundwork impressively.

The year started with a bang, featuring UPI’s launch in February. Many other stories impacted the scene throughout the year. Then, in November, PM Narendra Modi’s televised address announced the demonetization of India’s two largest currency notes.

The landscape has shifted – and FinTech is shifting into high gear in 2017. Let’s look at the coming attractions:

  • The Blockchain Blockbuster

Invented by person/persons using the pseudonym Satoshi Nakamoto, blockchain has brought a wave of security into the Internet pool. Bitcoin and other blockchain based cryptocurrencies are offering a safe and speedy alternative to hard currencies.

Bitcoin transactions in the US in 2016 averaged $200,000 US per day. Goldman Sachs is a great believer in the tech and reports that it could bring global savings of $6 billion US per year. As India moves towards a cashless economy, blockchain tech will prove integral.

The government has created a panel to bring recommendations on cryptocurrency before the end of the third quarter this year. And the Ministry of Finance has suggested in the Watal Report that regulation for digital payments should be separated from central banking operations.

With the burgeoning interest and implementation in 2016 of e-currency, investment and savings are just two of many areas which are projected to see real revolution this year.

  • Biometrics and Other Security – Not Just for James Bond

How secure is secure? When it’s your money – you can’t be safe enough. Hackers pose a new age threat to everyone using the internet, but there are methods to bulletproof your online financial security that can – and should – be brought to market this year.

Authentication means that you can prove that it’s you and no one else verifying transactions and approving credit or loans. From fingerprint sensors to facial recognition to retinal authentication, the technology is here to be implemented – even on your smartphone with the proper app. As a bonus, you won’t have to remember all those passwords anymore. Look for enhanced security features to create even more consumer confidence.

  • Micro-Payments and P2P Steal the Show

With the new availability and affordability of smartphones, rural areas have also opened up to the opportunities of micropayments. The government’s digital literacy campaign is even showing consumers how to use e-wallets to make payments, along with other methods such as Aadhaar. And 30 million Kisan cards being converted to RuPay cards will allow farmers to skip the trips to the bank and make their transactions digitally.

P2P lending will surge with roughly 5.7 million Indian small businesses out there exploring their options. India has approximately 30 P2P platforms already. The government will be providing regulations to help safeguard the process as well.

If UPI isn’t enough already: look for UPI 2.0 to hit the market with a new set of bells and whistles. This is what makes the process more adjustable and personalized.

  • Robo-Advisors – Hasta La Vista, Loan Officer

Artificial intelligence, algorithms – FinTech. A.I. and big data analytics will streamline the lending process and bring it to real-time decision making. There are already 39 robo-advisory firms in India.

SMEs are benefitting from Government enhancement of credit programs, as per the PM’s December 2016 address. SMEs now qualify for funds worth two crores, rather than the previous one crore. FinTech enterprises are providing close to 40{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of this year’s lending. A. I. will make that process even more attractive.

Investments? Yes – there are robo-advisors for that too. BigDecision, 5nance, and others are already helping with financial planning and will become more mainstream. Also, watch for more and more banks offering the chatbot option of customer service.

  • Go For Knowledge, Once You Have It Success Will Follow You

We’ve seen 2016 and the opportunities created. We know what trends to expect. What Sholay is to movies, FinTech is to our financial future. Now is the time to move boldly forward. India’s future lies in its innovators and its entrepreneurs – and that future has never looked brighter.

LSI Keywords

UPI, demonetization, FinTech, blockchain, Bitcoin, cryptocurrencies, cashless economy, digital payments, e-currency, micropayments, e-wallets, Aadhaar, RuPay cards, P2P lending, UPI 2.0, Artificial intelligence, algorithms, big data analytics, SMEs, financial planning, chatbot




What is Recruitment 3.0?

There has been a fundamental shift in the landscape of recruitment over the past decade. With a dwindling pool of talent to choose from, the global race for best talent is on. Recruiters feel that the current system of education leaves candidates unprepared to hit the ground running when it comes to work.

Recruitment 3.0 focuses on improving the quality of hires while reducing the time to hire ratio and cost per hire ratio. The aim is to build talent pipelines with transparent 2-way communication to keep people engaged.

The Process of Recruitment

As the needs of the market and the talent changes so does the process of recruitment and the expectations of recruiters.

Recruitment 1.0 – The era of Resume Databases from 1990’s to mid-2000’s. It encompassed traditional recruiting methods with a fairly large timeline.

Recruitment 2.0 – The Rise of Social Media due to the need for community-centric consciousness around 2005 onward. The recruitment process moved online with technology for online job boards.

Recruitment 3.0 – Web 3.0 pushed the recruitment process into the digital age of Contextual Web. Google’s update to its hummingbird algorithm in Aug 2013 was designed to help it derive both context and content from Google searches.

It is expected that in the near future a search phrase of “I want an accountant in Paris with 5 years’ experience” will give customized results as Google would have pulled all data relevant to the “I” from the relevant social media accounts, company blog and CRM to give a customized search result.

The Core Philosophies of Recruitment 3.0

1. Everyone is a potential candidate – Anyone volunteering to be elected by applying for a job post or being referred or willing to be considered could be a potential candidate. Research indicates that 90{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of talent suitable for available roles is not looking for a change. The remaining 10{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of active job seekers are being fought over by competing firms and talent acquisition companies.

2. Employment Brand is Pivotal to Success – The identity of a business, its core values and its promises to its employees and customers is the employment brand. The better the brand, the better they would look to potential recruits.
Relationships sell. Potential recruits are looking for honesty, authenticity, integrity and transparency in their workplace.

3. Relinquish control over what other people are saying – The digital age ensures that there are many avenues for people to get their views out through social media, blogs and other web boards. Businesses cannot extend any control over the messages being posted. However, PR and marketing departments can embrace this and open a channel to officially seek community inputs to get a better angle on the perception of their businesses.

4. Relationship building is key – Differentiating your social media from others is key. Building relationships, engaging the community and keeping them interested enough to build a viable pipeline of potential employees is vital to the recruitment process.

64{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of hiring managers estimate that the best candidates are drawn from referral pools, and they have the added benefit of reducing the time to finalize recruitment from 39-45 days to 29 days. Furthermore, 47{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the candidates through referral are known to stay for more than 3 years on average when compared to compared to the 14{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} who come from job boards.


  1. “A Vision For The Future Of Recruitment: Recruitment 3.0” – Matthew Jeffery [ERE}
  2. “RECRUITMENT 3.0 | The best source of Hires” – Hicham Gharib [LinkedIN]
  3. “Recruitment 3.0: Looking Outside The Box” – Lalit Bhagia [Accountests]
  4. “Web 3.0 And What It Means For The Future Of Recruitment” – Irene McConnell [Workology]
  5. “Required Reading For Recruiters – Recruiting 3.0 & 4.0 Explained” – Jennifer McClure [Unbridled Talent]



Fintech Trends in India

Socio-economic and demographic changes have increased the demand for innovative and secure Fintech in India. Fintech startups are piggybacking on the government’s initiative to reach the majority of the population with their tech-friendly regulations.

National Payments Corporation of India [NPCI], Digital India, Smart Cities, Startup India and Aadhaar are some of the prominent Government programs that help build and support this ecosystem.

The growing interests in Fintech Markets put the transaction value of Fintech sector $33 billion as of 2016, and it is expected to grow and reach $73 million by 2020 putting the annual growth rate at 22{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}.

There is wide scope for development in the Fintech Sector, and they can be categorized into the following spheres:


Growing FinTech trends to watch for in 2017:

  1. Micro-Payments – Companies focusing on the FinTech Sector are capitalizing on the Unified Payment Interface (UPI) and NPCI (National Payments Corporation India) to expand the ecosystem of digital payments. The increased efficiency and security of digital payments systems have increased the adoption rate of transactions via smartphones. A growing acceptance in this space will enable the objective of a cashless society.
  1. Blockchain Adoption – Blockchain is the technology behind “Crypto Currency.” It is an innovative integration of cryptography, mathematics, and economics that helps create and maintain an expansive database of transactions. It resembles a single consolidated ledger of financial activities.

The scope of applicability is large as Blockchain also promises security and credentials. According to the World Economic Forum [WEF], 80{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the banks are expected to start Blockchain projects with big players like Goldman Sachs getting behind the concept.

Even the RBI is considering this as a means to mitigate cheque fraud.

Blockchain also guarantees operational simplicity, reduction in process & settlement time and risk mitigation.

  1. Marketplace Lending – Online lending platforms (P2P) are becoming very prominent. They primarily use non-traditional data to determine a customer’s creditworthiness. Given that almost 75{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the Indian population does not have an established credit report, this works well in their favor.
  1. These platforms data analytics backed by algorithms to make a risk assessment for lending.The categories predominant in P2P portfolios include personal loans, commercial loans, and microfinance.
  1. Reg Tech – Regulatory technologies are evolving to accommodate the barriers to business entry. The goal here is to provide the right tools and services that will enable automation of compliance tasks, improve the accuracy of identity management and reduce risks of fraud.

Delegating a lot of the redundant tasks to technology removes the burden of repetitive tasks and enables a lean business. This is a newly discovered market with promises to provide a lot of potential savings to organizations.

  1. Robo-Advisory – This market is expected to grow at a Compound Annual Growth Rate [CAGR] of 68{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}. The projected estimate for managed assets by 2025 is expected to be USD 5 Trillion.

Currently in India the apart from the wealth and asset management sectors, retail space is capitalizing heavily on robo-advisory services. Increasing investment in biometrics and security promises to enhance customer experience through digital transformation.



  1. The India Fintech Market Map: 72 Startups Working Across Lending, Payments, Insurance & Banking” – CB Insights
  2. “#5 Fintech Trends That You May Want To Watch Out For in 2017” – Kumar Srivatsan [Entrepreneur]
  • “3 Ways Fintech Is Disrupting The Indian Lending Space” – Manavjeet Singh [CXO Today]

A glimpse into the technological explosion in the realty industry(Content Strategi)

We are nearing the end of 2017, and the world is becoming increasingly reliant on technology for everyday life. What was once science fiction is now turning to reality in increments – sometimes through small but vital innovations and other times through large pivotal discoveries and developments in technology.

The realty industry is no different. The last few years has seen IoT pervade the industry allowing the now global population to view, buy, sell, maintain or invest in real-estate internationally.

Progressive technological break-throughs revamping the realty industry

The term real-estate instantly brings to mind either buying or leasing of properties, but there are a vast number of niche aspects in real-estate that have spurred brilliant developments in recent years.

The multiple facets of real-estate in residential and commercial categories such as property-oriented financial assistance, crowd financing, realty investments, mortgaging, virtual reality for property viewing have improved over the years. Other aspects such as maintenance of interconnected machinery and equipment in property, real-estate construction, shared corporate housing, alternate corporate offices and much more have seen vast improvements in their business processes through advancements in technology.

While high-tech solutions for realty issues have been wide and varied in recent times, we present some key successful start-ups in the last few years specializing in diverse categories of real-estate.

  1. Category – Marketing and Visualization: With a global community relocating residences and offices often, having off-site viewing options is quite essential.Some successful start-ups in this sphere that offer 3D visualization for properties include IrisVR, Virtual Xperience, Matterport and VR Global. They all use immersive 3D media to showcase properties in precise detail.

Their visual media is interactive 3D and utilizes VR technology that is user-friendly. The sophistication of their platforms enables a walk-through experience that brings the property to life.

They do not, however, compromise on accuracy. The scales of the views are replicated in exacting detail, and viewers get a meticulous sense of even the minutia. It leads to a 100{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} satisfying experience.

  1. Category – Valuation and Analytics: This is a very vital aspect of real estate that is beneficial to international and local customers alike. At the click of a button, key information about potential properties is made available, facilitating informed decision-making.

One startup specializing in property data analytics is Bowery. It is a tech-enabled firm that provides accurate appraisals backed by big-data and advanced technology. The platform focuses mainly on commercial realty appraisals. Each report generated is exhaustive, with data collected through public record integration. Bowery also has the advantage of being efficient and quick in their appraisal reports. 

HouseCanary in the US and REalyse in UK offer a similar service of providing comprehensive information on house prices, neighborhood demographics, market activity and more.

  1. Category – Property rental and leasing: With a floating population, sometimes leasing properties to virtual strangers can be a daunting task. Startups like Rezi cut out the middleman and ensure that owners will be able to rent their properties without any risk of monetary loss. A unique aspect of Rezi that affords property owners 100{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} peace of mind is that Rezi pays the owners a year’s rent in advance and then leases out the property to good, long-term tenants. Nestio offers a similar leasing platform for property owners in the residential space.

Flip is another start-up operating predominantly in New York, San Francisco and Los Angeles. It enables easy property finding and locating legal sublets in these areas. Flip assures property owners of their potential tenant’s reliability by verifying the applicants. Rent payments are also insured and guaranteed to prevent scams and losses.

Yet another start-up in this space is Cozy Services. It offers landlords of residential properties a safe, secure, transparent, and simple way to rent out their properties all over the US and Puerto Rico.

A Chinese start-up that is similarly heavily tech-backed is FangDD. It helps property owners reach out to potential buyers online.

An identical service is provided by PropertyGuru in Singapore. They operate in the same realty category and showcase properties for rent and sale in Singapore.

Another prominent business in the same space of realty is They have extensive reach with properties for rent or sale in both India and abroad. They currently cover over 260 cities and India alone and over 80 countries. The properties are all 100{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} verified, and the listings provide authentic, up-to-date images of the properties and comprehensive locality level information. 

In the commercial space, VTS [View the Space] provides a cloud-based asset management and leasing platform. They include real-time analytics of portfolios that can be accessed worldwide by top agents and landlords.

  1. Category – Property Management: Property management includes a lot of aspects such as maintenance of equipment, sourcing facilities for tenants, HVAC monitoring and more. Some start-ups flourishing in this category include –

hOM, a tech-enabled amenity provider that collaborates with residential and commercial property owners to provide on-site fitness programs for its residents. Their services of providing on-site opportunities for Yoga, Pilates, fitness boot camps and more seems to have increased tenant retention rates by 15{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}.

Another start-up in the property management space is Ravti. Ravti is a realty start-up that affords owners and property managers the ability to appraise Heating and Ventilation systems [HVAC systems] in their properties. Backed by Y-Combinator, Ravti’s software platform allows property managers to view images, specs and histories of the equipment, thereby enabling timely maintenance and saving thousands.

  1. Category – Tech-enabled realty brokerage: Startups in this category specialize in platforms that connect property sellers and buyers online and in some cases facilitate complete online transactions.

One such start-up in this realty space is They operate in China and are one of the key players in this sphere of realty wherein all transactions can be completed online.

Across the world in New York, Triplemint, a technology-enabled brokerage connects potential tenants and property owners directly to broker databases. Their data-driven focus is completely customer-centric. Their platform uses a map-based search facility and enables complete online transactions. 

A special mention needs to be made of as the business covers a lot of the above-listed categories. The property listings on are all 100{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} verified to prevent scams and fraudulent listings. They are backed with valuation & analytics information and as an added bonus their innovative “MakaanView” App offers users a unique functionality. The augmented reality app launched by Elara Technologies enables the user to search for properties to rent or buy by simply pointing the mobile in the preferred direction. The App is configured to cover a 5Km radius and is highly intuitive, adding to the user experience.

While there are quite a few visionary start-ups listed above, this list is hardly exhaustive. As research and analytics from CB Insights indicate, technological developments in the realty sphere are just beginning.  The environment for investments in this industry is currently very healthy and key players all around the world are leveraging developments in this sphere.

To motivate innovations in this field are accelerator programs such as URBAN-X, MetaProp and AREA that aid forward-thinking entrepreneurs in the realty space.  Their primary purpose is to help startups that wish to apply new-technological approaches to solving real estate problems.

It is quite clear that the near future will see amazing growth in technology-backed realty that will revolutionize the way we perceive the industry and our investment strategies in it.


  1. “6 Real Estate Startups Poised To Disrupt The Industry” –Nav Athwal [Forbes]
  2. “CBRE Acquires Floored: Real Estate Tech Poised For A Big 2017” – Nav Athwal [Forbes]
  • “Everything You Need To Know About Real Estate Crowdfunding”RealtyShares
  1. “planetRE – Born and Raised in Silicon Valley” – planetRE
  2. “SmarterAgent is the most widely used mobile SaaS platform in the real estate space” – SmarterAgent
  3. “HouseCanary raises $31 million to value residential real estate” – Katie Roof [TechCrunch]
  • “Citiesense: New York City Neighbourhood Data Platform” – Jack FitzGerald [Dsrupt Property]
  • “The world’s first truly tech-enabled appraisal firm” – Bowery
  1. “Subletting, taken care of.” –Flip
  2. “Be the best at HVAC – Know where your buildings stack up and empower more intelligence for your team.” –ravti
  3. “Plan Better. Build Faster. Together. – World’s Leading Data Driven Scheduling and BIM collaboration platform” – onTarget
  • “Transform Building Data into Asset Value” – Enertiv
  • “Amenities, Anywhere.” – hOM
  • “Find The Right Real Estate Solution For You” –HouseCanary
  1. “This Startup Wants to Be the Amazon of Real Estate” – Zoe Henry [Inc]
  • “More than a property investment data company” –REalyse
  • “Instant Virtual Reality for the Building Industry” –IrisVR
  • “Virtual Reality For Real Estate” – Vitual Xperience
  • “Next-generation immersive media” – Matterport
  1. “REAL ESTATE – Be There – Anytime. Anywhere. Anyplace.” – VR Global
  • “Rent it today” –Rezi
  • “We’re making renting simple for everyone.” –Cozy Services
  • “Data standardisation: the future for real estate reporting” – Ryan Masiello [Property Week]
  • “Welcome to The Future of Residential Marketing and Leasing” – Nestio
  • “Platform for leasing and asset management” – VTS
  • “Real Estate Platform Fangdd Announces Fu8nding as China Eases Real Estate Bans” –Eva Yoo [TechNode]
  • “Singapore Property Search” – Property Guru
  • com –CB Insights




Notes of a Digital Consumer(Content Strategi- SEO)

It is quite hard to imagine a world without technology. We’re well past the point of doing anything without it. To be honest, I don’t really feel like standing in long queues to pay my bills, or even buy something (no exception for a pizza either). These are the days when even my cat has to take lessons in computers to get a grip on his mouse (!). Pun, of course, is intended.

Technology has always evolved at a good pace. The past few years have seen it rise exponentially. We’ve seen the rise of the Internet of Things, cars that can drive on their own and even ‘smart’ cities – capable of performing numerous tasks on their own. How can mere mortals like us cope up with this growth?

Well, here are a few notes I made during my travels in the digital realms.

It’s only a Phone if it’s smart.

The world and everything in it have changed a lot over the last decade. It is hard to remember a time when the internet could only be accessed via PCs or laptops. I could go on to say that it was a simpler time – easier to understand and describe. However, then came the smartphones.

Apple’s iPhone, Samsung’s Galaxy series, OnePlus 5 and even Motorola are household names these days. If I was to go into figures, 44{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the world’s population owns a smartphone.

We’ve become so used to them that we can’t really go without them. In ways, they’ve made life much faster. You can now connect and control different aspects of your life from your phones. Have a bill to pay? Do it on your phone! Need GPS navigation? Your phone’s got you back.

There have been concerns over the security of our phones, as well as the classic case of “all eggs in one basket.”Nonetheless, Smartphones are an essential part of our lives now – and they’re here to stay.

The IoT Revolution

One of the few ‘fad’ terms that really caught my eye a few years ago was the ‘Internet of Things.’ I had my doubts tough, for I’d heard about too many ‘game-changing’ new technologies to hold my breath. The more I read about IoT, the more useful I found it.

How good would it be for your home to know when you’ll be back and have your water heated up? Seems too futuristic? Well, it’s already here. We can now control almost any gadget that can communicate.

Essentially, anything that can be connected – will be connected. Almost 8.3 billion things will be a part of this ‘revolution’ by 2020. IoT enables you not only the ability to control appliances but also monitor your health. The wearables can track all your movements and then provide you with analyzed results.  Even the toasters are now able to make breakfast for you, without the physically touching part.

Feeling like a Jedi, yet?

IoT has affected us as consumers in a great many ways and will continue to do so. Amazon’s Alexa is probably the best example of IoT and how it is changing our homes.

Even our cities are smart

These are the days where smart meters and grids are used quite a lot. The US is one great example of this. Almost 50{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of their 150 million endpoints are covered under this ‘smart-grid.’

The grid essentially prevents voltage theft and saves energy – helping us save our own money. Long have we paid extra cash to the electricity company. However, that is now changing with the introduction of smart meters – that enable a pay-by-usage model.

As a consumer, this is value for money. Even healthcare is improving, with sensors alerting nearby hospitals about any accident. Effective traffic monitoring using satellites not only enables us to save time but money as well. Google Maps are one such technology that smart cities incorporate a lot to find out about street clogging, traffic jams, and even accidents. Traffic Detection using the RUT9 routers enables a better road efficiency across the entire city.

Better services to us

Big data analytics have picked up their slack over the past couple years. As consumers, we generate a lot of data on a daily basis. Collection of this data and its successful analysis enables companies and firms to provide us with a better service.

Knowledge is power, they say. We can know about a company and the products it offers – all from the comfort of our homes.

Is it worth it?

Definitely, yes. Grown and change are the only constants in this world and technology is a superb instrument for the same. As a consumer, I want comfort, as well as the best goods and services that I can afford. A better tech-savvy world will amount for us to have more time pursuing what our heart desires. One can only hope though, that this doesn’t’ lead to a Terminator-type scenario. 


-None, original article and ideas.

Keywords: Internet of Things, IoT, Smart meters, digital consumer, value for money, wearables, M2M


Machine Learning – The Effects of Artificial Intelligence(Content Strategi-SEO)

Machine Learning – The Effects of Artificial Intelligence(Content Strategi-SEO)

Machine Learning is an area of technology that has helped to improve the quality of service on the web and our smartphones. The term, often used as a synonym for Artificial Intelligence is pretty distinct from AI, yet, connected to it as well.

I could go on to say that the end goal of AI is to create a machine, capable of mimicking the human mind. To achieve this, it needs learning capabilities. That being said, Artificial Intelligence, as an area of computing is pretty broad. It includes reasoning, representation of knowledge and even abstract thinking. On the other hand, Machine learning focuses simply on software that can ‘learn’ from past experiences.

Machines learning from past experiences? Yes, it’s quite possible! Also known as ‘Analytics 3.0’, it’s closely related to statistical analytics and data mining.

Intrigued? Well, read on.

What is Machine Learning?

Earlier in this article, I’d said that machine learning is quite distinct, yet connected  to AI. Let’s expand that statement. Machine Learning is simply the ‘leading-edge’ of Artificial Intelligence. It’s the field of computing that enables computers (aka, machines) to learn from past experiences, be it success or a failure and use that information to predict outcomes for the future.

To understand this further, let us assume that you have to buy a new house.

There is a small house that’s available for $70,000 and a bigger one that costs $160,000. However, you’d like to buy one that’s medium in size.

Using past trends, and something that’s called ‘Linear-Regression’, your computer can successfully predict the cost of the medium sized house you want. The best part of this is that once you buy it, the sample space increases and the computer will be able to predict an even better price in the future.

Simply put-in, machine learning enables a computer to improve its performance, as it learns from what has happened in the past. Another example can be seen in the simple game, Tic-Tac-Toe. Your software evolves and gets more accustomed to your moves, making it harder for you to win. It learns on the go and makes you think more and more.

How does it all work?

Engineers use quite a lot of different techniques to build systems that are capable of learning. As already mentioned, a lot of these ‘techniques’ are related to the mining of data and statistical analysis. Let us consider the following image:

The top-left image is a data-set. This consists of everything that has happened and is of two types –red and blue. As this example is purely hypothetical, these red and blue dots can represent anything, be it petals on a flower or coins and their diameter.

In terms of pattern, or grouping, you can see that the top part of each image is red, whereas the bottom is blue. Towards the middle, there seems to be some sort of a union. Machine Learning uses different algorithms to predict where a new, unseen sample will be placed. All other pictures in that figure are different algorithms, which you needn’t know (Unless you’re an engineer!).

Machine Learning: Use cases

  1. Climate Change Modelling

With the growth in the number of Earth-observing satellites and climate models becoming more powerful, scientists are turning to Artificial Intelligence and Machine Learning to overcome any deluge of data.

 To put this ‘data’ into perspective, the UK MET office holds about 45 petabytes of information as of now (Although, I wonder what they use it for, as it’ll probably be raining there!). Machine Learning has led to the growth of climate informatics. This has helped officials develop better climate models and predict accurate changes in weather.

This has further evolved into correct predictions for tropical cyclones, atmospheric rivers, and even weather fronts.

  1. Autonomous Vehicles

Since computers have the ability to continuously learn from experience, discern their surroundings and come to accurate results, more developers are working towards autonomous vehicles.

The number of ADAS (Advanced Driver Assistance Systems) have increased in numbers over the past years. They’re expected to reach a total of 122 million (!) by 2025. These autonomous vehicles use multiple cameras, sensors and radar systems to analyze and adapt to a rapidly changing environment.And with deep learning, they can know the behavior of other vehicles on the road, making for a save mode of transport.

  1. Medical Research

If the availability of a lot of data is key for machine learning, medicine is a gold-mine. Providing the industry with improved efficiency, optimized innovation, and tool creation, over a $100 billion can be generated – annually.

In 2016, IBM and Quest Diagnostics teamed up and announced the IBM Watson Genomics, which aims to integrate genomic tumour sequencing and cognitive computing. Another prime example of  the use of machine learning in medical research is Google’s DeepMind Health.

What machine learning is doing for medical research is simply reaching accurate diagnostics by going through a tonne of data, which can never be studied manually by a physician. Machine learning not only provides speed of diagnostic, but a personalised result report as well.

Machine learning has a lot, lot more use-cases. You can read about Forbes’s top 10 following this link.

Worth all the hassle; and the risk?

Have you ever watched the movie Terminator? Before going further, I have to say that it peaked with Judgment Day. Plus, they shot the heart out of dear ol’ Arnold in that new one…

Anyway, I really do not wish to live in a world that is ruled by machines. As with all things that aim to change the world, there’s a moral component with machine learning and AI. What will happen if Artificial intelligence outstrips our own and someday becomes bigger than humanity? Facebook did shut down it’s AI program after robots started to develop their own language. There will also be times when the decision a machine makes, while as good as it may be, it might not be morally right for us to follow.

The BBC did a wonderful piece on the above, which you may read here.

As for risk assessment, some machine learning strategies can fail up to 90{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of times when applied to a real-life situation. So, is it worth the try, and the risk? At this point of time, I’ll go with a tentative yes. I suppose it’s just a case of ‘we’ll deal with the future when we get there!’

Final note

Machine Learning, unlike many areas of Artificial Intelligence, is not intangible. It is already here and is continuing to improve our services and daily lives. That being said, it is not perfect, nor will it be for the foreseeable future. This is simply because of the fact that not all data we feed the machines are perfect.

Perfection though, is a journey, and as we grow as humans, so will our machines and gadgets. The trust between them and us will grow steadily, and transparency in algorithms may help it develop faster.

And in my humble opinion, this ‘learn-by-doing’ process is pretty good, so we might as well work towards making it even better!





The 5 Content Marketing Strategies Defining 2017(Content Strategi – SEO)


Every good business knows that their success almost always relies on the quality of their marketing strategies. As shown in the chart below, most marketers have a marketing strategy, whether it is documented or not. 40{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of organizations have a marketing strategy that is documented:

  1. 34{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} have one, but they have not documented
  2. 23{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} do not have a marketing strategy in place but plan to have one in the next year
  3. Only 3{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} do not have a strategy for marketing in place and have no plans to implement one

The five content marketing strategies currently defining 2017 are social media, the use of the mobile website, content diversity, using research/data, and email. There is more information about each of these topics in the sections below.

Social Media

There are many different types of advertising. Paid advertisements and Social media are right at the top of the list for various tactics used to distribute content, as shown in the chart below.

The reason that social media is the number one way to distribute content is that people put more faith into the words of their family and friends than they do into any other source of information.  Social media sites, such as Facebook, have quickly become the primary form of “word-of-mouth” advertising. Individuals not only like and share things on their Social Media accounts; but in today’s world, Social Media is used by many as their primary form of communication.

Diversified Content

Businesses utilize marketing strategies to be successful. It is important to ensure that you are engaging your users. Most businesses have a diversified client group. 

The reason that your 2017 marketing strategy should include diversified content is that individuals are diverse. The same type of content for your marketing strategy does not apply to everyone in the world. It takes different content to engage and entertain diverse populations.

The more diverse the type of content for your marketing strategy, the more is the likelihood for successful strategies in 2017.

Mobile Sites

The world is going mobile. It is a fact that every business is going to need to come to terms with if they want to succeed. Individuals like to have information available to them while they are on the go.

When information isn’t easy to pull up, individuals tend to look elsewhere. For this reason, it is critical that a mobile websiteis part of your 2017 marketing strategy. This is one of the most efficient ways to promote your site.

The following chart shows the percentage of B2B marketing executives in the world that find a mobile website is critical to your marketing efforts.


The days of randomly calling consumers are over. Thanks to social media, businesses now have a harder time controlling their reputation. The good news is that we live in a technological world.

The reason that this is good news is that email is making a comeback. It is important that marketing efforts include email to distribute content. More and more individuals are using and checking their email every day.

Email is also a good way for you to follow consumer trends and use it to your advantage. You can send out newsletters to engage your target audience. Emails can significantly assist in ensuring you have developed successful marketing strategies in 2017.


Another important element that should be included in your 2017 marketing efforts is research and data. Individuals do not want a lot of fluff in articles. They want articles that include some investigation and data. They want to know that you know what you are talking about.

The chart below shows the importance of different types of content to use on your website.

Your marketing efforts should make sure that you are doing active research on your client population and using data to your advantage. Research and data mean more than just incorporating it into the type of content for your marketing strategy. You want to ensure that your 2017 marketing strategy includes using consumer data to your advantage.

This means that you need to research what is and is not working for your 2017 marketing strategy and adjust accordingly. You need to pay attention to the trends and patterns of your target population. This is one of the main elements required for marketing strategies to be successful.

Wrapping it Up

Your marketing strategy can make or break your company. It is important that your strategy for marketing is individualized and diverse at the same time. You want to make sure that you are using the most efficient ways to distribute content.

Your 2017 marketing strategy should be used to promote your website. Promoting your site helps promote your business. Your marketing efforts should be as diverse as your content for your marketing strategies to be successful.

There is more than one type of content for your marketing strategy. Your 2017 marketing efforts need to include diverse content. Successful strategies in 2017 are aimed at engaging and entertaining target audiences to promote loyalty in consumers and growth for the business.

LSI Keywords:

  1. Marketing Strategy
  2. Strategy for marketing
  3. distribute content
  4. 2017 marketing strategy
  5. Promote your website
  6. Marketing Efforts
  7. Marketing strategies to be successful
  8. Type of content for your marketing strategy
  9. 2017 marketing efforts
  10. Successful strategies in 2017




The 5 Content Marketing Strategies Defining 2017 (Content Strategi – SEO)

What We’ll See and How We’ll See It as Marketing Matures

From the Lightning Rod to Today

In 1732 Benjamin Franklin started printing and distributing “Poor Richard’s Almanack” to promote his written business. That was one of the United States’ first and best examples of content marketing, used by one of the ultimate innovators and inventors we’ve ever seen. 

Just as he invented the lightning rod to attract lightning (by the way, he never applied for a patent for any of his inventions), he used his publication to attract buyers. Over the years, content marketing has grown to become a staple for businesses intent on connecting with consumers.

Franklin would nod approvingly at the increased scope of intricate consumer outreach employed now. He loved a good story – as do we all. The best content marketing tells that good story and adds bells and whistles to enhance its message.

Franklin had an audience generously estimated at 700,000 (man, woman, and child) to play to back in the day. Facebook itself today has 1.13 billion daily active users. The numbers have skyrocketed and the techniques refined over the years as technology blossomed.

Today’s Storytellers

Companies have found that the best way for people to become hooked on its products is to have a long-term narrative. Keep them coming back for more. The modern attention span is short, so it is imperative to draw the consumer in and for them to want to hang out for a while.

Many methods have been employed with success. 2017 will see further refinement with something old making a comeback, as well as fresh spins on established practices. Here are 5 Content Marketing Strategies which will shape and define 2017:

  1. Email – You have Mail!

It’s been done before, right? But it’s making its comeback. Companies already have your data – and they want to make something out of it. Now they’re making their emails relevant by using that info to inform you of things you want to know instead of mindless spam. 

The average click-through rate for emails is roughly 25{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}. Different factors increase that rate.

  • Emails that use the consumer’s first name in the subject line have a higher rate.
  • Emails that say “Thank You” in the subject line have the highest above-average level of engagement.
  • 64{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of people prefer text-rich emails
  • 86{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of consumers welcome monthly promo emails from companies they already do business with.

With email users expected to top the 3 Million mark by 2020, that’s a lot of bang for the buck.  Already, 75{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of companies have concluded that email offers “good to excellent” Return On Investment (ROI)

2.Video – Lights, Cameras, Action!

Consumers want information, but they also want entertainment. Videos are an excellent way to accomplish both. Experts have provided several facts about visual impact:

  • 98{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of info transmitted to the human brain is visual.
  • Visuals are processed at a rate 60,000 times faster than text.
  • Visuals stay in the long-term memory for a longer period.
  • Visuals cause a stronger emotional response than text and can be more meaningful to the viewer.

If you want your story (and product) to be more impactful and memorable to your audience, a video is your way to go. The big guy (Facebook) is featuring more video sharing and videos are easier to produce than ever. Ride the wave!

  1. Mobile – With You Wherever You May Go

More and more people are making purchases on a mobile device. Make it easier for them. How are we more into mobile? Let me count the ways:

  • Tablet or smartphone access over 66{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of emails.
  • 95{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of smartphone users use their device to look up local businesses to call or visit.
  • Over 2 Billion mobile users will make a commerce transaction by the end of 2017.
  • It’s projected that by the end of 2018, 27{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of e-commerce sales will take place on a mobile device.

To make use of the trend, make the process easier – apps, fewer clicks, buyer information carried over from platform to platform.  Create an entertaining and welcoming virtual environment for your customers.

  1. Authenticity Over Celebrity – Trust Over Popularity

Celebrity endorsements are a dime a dozen. It’s either their product or they’re being remunerated. The message might be entertaining, but can you take it to the bank?

Enter the influence marketers. Their word might not be gold, but it will have enough gold-like characteristics to sway. Whether it’s a leader in their field or someone giving an honest review, their word goes a longer way with the consumer.

Experts giving a video review on their blog or podcast can be the deciding factor for many potential buyers. They want facts to cement their decision. How many times have we heard the hype and then heard the consumer reviews and got a different story? That’s what we’re looking for, a real story – and enough true stories and we listen.

  1. Diversify Content – Hit Them on All Fronts

If the video doesn’t get them, maybe the galleries, podcasts, or infographics will. Everyone has different tastes – and different things catch different peoples’ eyes. Hit them on all fronts, and something will click and draw them in. Even if it’s mostly the same information, the delivery mechanism makes it a different animal.

Different content can also apply to effectiveness on various platforms. Tailoring towards a video presentation will, of course, be more suitable to Facebook and YouTube than Pinterest or Twitter. Flashy images with brand placement are right up Facebook and Pinterest’s alley.  Hit the consumer where they live and where they browse.

  • Facebook – 1.9 Billion unique monthly users
  • YouTube – 1 Billion unique monthly users
  • Twitter – 317 Million unique monthly users
  • Pinterest – 317 Million unique monthly users
  • LinkedIn – 106 Million unique monthly users                                                              

Different demographics using various sites – adapt and diversify your message to take the advantage of all your audiences.

Tomorrow’s Winners Use Help Today

You know the trends, but how do you take advantage of them? Spike Native Network at is the Content Recommendation Platform for business pros.

If it’s worth doing, it’s worth doing right. Get your campaign underway today with Spike and find yourself in the Winner’s Circle tomorrow.


content marketing, click-through rate, text-rich emails, mobile device, smartphone, e-commerce, influence marketers, podcasts, infographics, platforms, brand placement, Spike Native-Network,, Content Recommendation Platform     




ShoeBoxOne is reinventing the meaning of shoe storage (Content Strategi – SEO)

Why should you have specialized shoe storage?
Let’s face it; you sneakerheads don’t drop over $100 on a pair of Nike Air Jordans, old-school Adidas sneakers, retro leather Pumas or comfy Vans, just to wear them for a week and then move onto something else. Well, not unless you’re Kanye West and you have millions of dollars to spare.
For most of you kick connoisseurs out there, you want to make sure that your sneaker investments stay fresh all year round, and that every time you put them on, it feels like you’ve just bought them new out of the shop.
Whether your shoes are fabric, leather or suede, looking after them means two things: putting in the work to keep them clean and well-maintained, and having a high-tech storage solution for your kicks that not only looks stylish but also keeps them in optimum condition when you’re not wearing them.
Best conditions for your shoes
Humidity, heat, sunlight and dust all create problems for your shoes if you allow exposure. White soles become yellow and oxidized, the material becomes stiff, and those natural creases and folds you get in your sneakers from wearing become cracks and fissures over time.
The lifespan of a poorly cared-for pair of sneakers can be as little as one year, while a well-maintained and stored pair can last you for three years or even more. Given how much you spend on a pair of sneakers, would you not want to get all the possible extra mileage out of them that you can?
Say goodbye to shoe racks, boxes and cabinets
Now, of course, any storage for your kicks is better than no storage, and all of them have their advantages. A simple rack keeps them off the ground, allowing your shoes to breathe, and freeing up space in your crib – whether it’s a bedroom or a lounge – for all those other important things, like your beer fridge.
A transparent cabinet or stack of plastic boxes goes one step further and turns your sneaker collection into not just something you wear on your feet, but an impressive decorative piece. This piece allows you to fit your collection into small spaces; why have a collection of sneakers if guests can’t come around and admire them when they’re not on your feet?
The ShoeBoxOne solution to all of your storage needs
ShoeBoxOne takes an innovative and high-tech approach to storing your sneakers. Our shoe boxes are made from high-quality transparent plastic and can be stacked on top of each other up to 8 boxes high. In addition to this, customizable LED under-lighting makes your sneaker collection look even more impressive.
But it’s not just all about looks. Our boxes can be vacuum sealed to prevent oxidation and yellowing. Sensors within the boxes can alert you about temperature and humidity levels. And all of this can be synced up with a smartphone app allowing you to care for your shoes remotely.
LSI Keywords
shoe storage, sneakers, sneakerheads, plastic boxes, rack, shelves, cabinet, bedroom, small spaces, drop front
Audience: Young, streetwise people, USA
Language: US English, street casual
Subject: high-tech shoe storage for expensive sneakers.
Intention: Marketing and brand awareness, emotional connection. Subtly mention the client and what they offer without hard selling.