The document discusses disruptive technology and how attitudes have changed for Millennials. It notes that Millennials have delayed many financial and life milestones like completing school, becoming financially independent, marrying, and having children due to the recession and high student debt levels. More young adults are enrolled in school but costs have increased, making it harder to achieve independence. The recession also caused many young people to move back home with their parents. The document suggests technology and attitudes around adulthood will continue to change.
This year VCCP once again attended SXSW in Austin looking to keep our finger on the pulse of the changing digital spaces and be inspired to the latest Interactive trends and technologies that will be shaping 2015!
We have pulled together the 6 Key trends we spotted at this years show and written up a bite size trend report on what you need to know!
Having participated in both SXSW and Cannes Lions Innovation festival this year, we've uncovered lots of insights on the current communications climate and have put together 9 trends which should serve as guidance for the areas to focus on in 2016.
The mobile is moving well beyond its role as a communication device, becoming an enabler for a wide range of experiences from TV viewing to shopping to banking. And mobile connectivity is disrupting industries from retail to auto to finance and beyond. The consensus is that change is occurring at an astonishing scale and speed.
In this report, JWTIntelligence outlines key trends in evidence at the GSMA’s Mobile World Congress, held in Barcelona in late February, along with examples that illustrate these developments and implications for brands. The report also incorporates insights from interviews with several mobile experts and influencers.
The traditional brick-and-mortar business model is no longer the only option for the aspiring entrepreneur. Many of today’s greatest successes belong to those who have captured the power of the viral loop by designing products and services that spread themselves through the channels of the Internet, propelled by word-of-mouth recommendations.
This year VCCP once again attended SXSW in Austin looking to keep our finger on the pulse of the changing digital spaces and be inspired to the latest Interactive trends and technologies that will be shaping 2015!
We have pulled together the 6 Key trends we spotted at this years show and written up a bite size trend report on what you need to know!
Having participated in both SXSW and Cannes Lions Innovation festival this year, we've uncovered lots of insights on the current communications climate and have put together 9 trends which should serve as guidance for the areas to focus on in 2016.
The mobile is moving well beyond its role as a communication device, becoming an enabler for a wide range of experiences from TV viewing to shopping to banking. And mobile connectivity is disrupting industries from retail to auto to finance and beyond. The consensus is that change is occurring at an astonishing scale and speed.
In this report, JWTIntelligence outlines key trends in evidence at the GSMA’s Mobile World Congress, held in Barcelona in late February, along with examples that illustrate these developments and implications for brands. The report also incorporates insights from interviews with several mobile experts and influencers.
The traditional brick-and-mortar business model is no longer the only option for the aspiring entrepreneur. Many of today’s greatest successes belong to those who have captured the power of the viral loop by designing products and services that spread themselves through the channels of the Internet, propelled by word-of-mouth recommendations.
Free download at: http://vint.sogeti.com/downloads/
In the past few years, information technology has become increasingly personal and social and has made its presence very much felt. The emergence of wearable computing and other forms of empathic ‘things’ seems a logical further step: even more intimate, more human-oriented, and ubiquitous. There are more and more devices that count our steps, take our blood pressure or measure the indoor temperature, track our location or conversations.
We are witnessing a computer boom in terms of kinds, shapes and sizes – around, on or inside the body – that behave increasingly smart and link up more and more intuitively with man’s extremely personal and natural interface.
In the next decade Personal Computing will become really personal: inside, on and around the person with attention for the context of the individual. In this study we explore this development and present seven manifestations that can define the impact on business, such as the ‘quantified employee’ and the ‘body as the new password’
2008 vs. 2018: A Tech Odyssey - Louisville's Digital CrossroadsDavid Berkowitz
Presented at Louisville Digital Association's Digital Crossroads 2018, it covers the past ten years of emerging technology, including images, video, audio, podcasts, mobile barcodes, QR codes, the future of work, artificial intelligence, and related subjects, while looking ahead to see what we can learn going forward.
Contextual Marketing And The New Marketing ContractXuân Lan Nguyễn
We live in a world where phones are no longer “phones” in the way we once used them. Now, they’re electronic windows into new worlds connecting people, information, and things, and ushering in a new generation of expectations and behaviors along the way.
Mobile is not primarily mobile in the sense of "on the go" - but most businesses treat the "mobile OS" activities like that. 7 early conclusions that help to get the right perspective in "mobile" digital marketing.
http://www.scenic.com | The year 2016 will see further technological developments that enhance the travel experience. These various high-tech innovations include further upgrades in “virtual travel” technology, drone photography, Wi-Fi, and more.
As we contemplate how to manage a tsunami of data, wearable devices are rendering technology invisible. Smaller, faster computers and microchips, tracking and measuring metrics in real-time are revolutionizing how we connect with the world.
Fashion-forward designs, developed to crunch and interpret the numbers faster than we are able to collect them, are analyzing biometrics through everything, from our eyewear to our underwear.
The wearable computing market is expected to hit $19 billion by 2018. And it’s no surprise that our co-evolution with technology is becoming the bridge between mobile communication and the Internet of Things.
Data’s ubiquity – whether push, pull or ambient – can be harnessed for efficiency, knowledge, and utility. This enables us to reframe the least renewable of all elements, time itself.
The Internet of Everything and The Quantified Self
By 2020, analysts predict that we’ll be digitally connected to everything around us. Microchips, sensors, and batteries are shifting devices from our desks, out of our hands and pockets, onto our bodies.
The ongoing capture and analysis of data enhances our self-knowledge, informing The Quantified Self, and drives The Internet of Everything, an evolving digital ecosystem. In the future objects will receive data and respond seamlessly ...the refrigerator that delivers a glass of water based on your hydration level; rooms that self-control their energy output based on who is in them; locks that open as you approach, and smart slippers that detect a fall.
In this shifting paradigm of the observer and the observed, traditional industry verticals, such as health telecommunications, automotive, and entertainment will merge into cross-functional, user-centric innovations.
Author Jeremy Rifkin describes this change as the powerful Third Industrial Revolution. People, machines and every aspect of our work and social lives are connected by big data, advanced analytics and predictive algorithms. If we stay on track, we are headed towards economies powering smarter cities, efficient business, streamlined manufacturing, and renewable energy sources. It began with the Internet and continues with the promise of our wearable future, realized by some of the following innovations.
A brief overview of bow how the internet has changed over the years, and the impact that it has on the lives of consumers. Created as part of my digital marketing course with the British Academy of Digital Marketing.
Service design consultancy Fjord presents its annual trends predictions, showcasing 10 trends that will shape digital services in 2013. This year’s report forecasts the major shifts that will impact the way we work and live, and offers practical advice to help business leaders interpret the opportunities that lie ahead.
Following on from an amazing year of Trend reports for CES, MWC, SXSW and Google Glass! We were asked to attend WIRED 2014 Conference to cover the outstanding talks, Tech and inspiration happening over the two days in London!
Free download at: http://vint.sogeti.com/downloads/
In the past few years, information technology has become increasingly personal and social and has made its presence very much felt. The emergence of wearable computing and other forms of empathic ‘things’ seems a logical further step: even more intimate, more human-oriented, and ubiquitous. There are more and more devices that count our steps, take our blood pressure or measure the indoor temperature, track our location or conversations.
We are witnessing a computer boom in terms of kinds, shapes and sizes – around, on or inside the body – that behave increasingly smart and link up more and more intuitively with man’s extremely personal and natural interface.
In the next decade Personal Computing will become really personal: inside, on and around the person with attention for the context of the individual. In this study we explore this development and present seven manifestations that can define the impact on business, such as the ‘quantified employee’ and the ‘body as the new password’
2008 vs. 2018: A Tech Odyssey - Louisville's Digital CrossroadsDavid Berkowitz
Presented at Louisville Digital Association's Digital Crossroads 2018, it covers the past ten years of emerging technology, including images, video, audio, podcasts, mobile barcodes, QR codes, the future of work, artificial intelligence, and related subjects, while looking ahead to see what we can learn going forward.
Contextual Marketing And The New Marketing ContractXuân Lan Nguyễn
We live in a world where phones are no longer “phones” in the way we once used them. Now, they’re electronic windows into new worlds connecting people, information, and things, and ushering in a new generation of expectations and behaviors along the way.
Mobile is not primarily mobile in the sense of "on the go" - but most businesses treat the "mobile OS" activities like that. 7 early conclusions that help to get the right perspective in "mobile" digital marketing.
http://www.scenic.com | The year 2016 will see further technological developments that enhance the travel experience. These various high-tech innovations include further upgrades in “virtual travel” technology, drone photography, Wi-Fi, and more.
As we contemplate how to manage a tsunami of data, wearable devices are rendering technology invisible. Smaller, faster computers and microchips, tracking and measuring metrics in real-time are revolutionizing how we connect with the world.
Fashion-forward designs, developed to crunch and interpret the numbers faster than we are able to collect them, are analyzing biometrics through everything, from our eyewear to our underwear.
The wearable computing market is expected to hit $19 billion by 2018. And it’s no surprise that our co-evolution with technology is becoming the bridge between mobile communication and the Internet of Things.
Data’s ubiquity – whether push, pull or ambient – can be harnessed for efficiency, knowledge, and utility. This enables us to reframe the least renewable of all elements, time itself.
The Internet of Everything and The Quantified Self
By 2020, analysts predict that we’ll be digitally connected to everything around us. Microchips, sensors, and batteries are shifting devices from our desks, out of our hands and pockets, onto our bodies.
The ongoing capture and analysis of data enhances our self-knowledge, informing The Quantified Self, and drives The Internet of Everything, an evolving digital ecosystem. In the future objects will receive data and respond seamlessly ...the refrigerator that delivers a glass of water based on your hydration level; rooms that self-control their energy output based on who is in them; locks that open as you approach, and smart slippers that detect a fall.
In this shifting paradigm of the observer and the observed, traditional industry verticals, such as health telecommunications, automotive, and entertainment will merge into cross-functional, user-centric innovations.
Author Jeremy Rifkin describes this change as the powerful Third Industrial Revolution. People, machines and every aspect of our work and social lives are connected by big data, advanced analytics and predictive algorithms. If we stay on track, we are headed towards economies powering smarter cities, efficient business, streamlined manufacturing, and renewable energy sources. It began with the Internet and continues with the promise of our wearable future, realized by some of the following innovations.
A brief overview of bow how the internet has changed over the years, and the impact that it has on the lives of consumers. Created as part of my digital marketing course with the British Academy of Digital Marketing.
Service design consultancy Fjord presents its annual trends predictions, showcasing 10 trends that will shape digital services in 2013. This year’s report forecasts the major shifts that will impact the way we work and live, and offers practical advice to help business leaders interpret the opportunities that lie ahead.
Following on from an amazing year of Trend reports for CES, MWC, SXSW and Google Glass! We were asked to attend WIRED 2014 Conference to cover the outstanding talks, Tech and inspiration happening over the two days in London!
Am 21.09.2015 hat der Social Media Club München zum Thema Storytelling eingeladen. Folien zum Vortrag "Multichannel Storytelling" von Tabea Jost (Mynewsdesk)
Top Trends from SXSW Interactive 2014. The Big Roundup.Ashika Chauhan
SXSW wasn’t just about one or two pieces of new tech, what it actually felt like was a glimpse into the not-so-distant future.
Trends you might of heard of like wearables, data and the internet of things are still around, but they’re beginning to grow-up and different industries are beginning to be disrupted as a result.
More than anything, the conference instilled a sense of responsibility in me. The decisions we make today, as people, as agencies and as brands will define the future we live in tomorrow.
The deck covers the most prominent trends from this year. I'd love to hear your thoughts, say hello @ashikachauhan.
Ashika Chauhan is Big’s Digital Experience Director and is passionate about creative innovation.
What’s trending in 2015 for wearables, virtual reality, consumer technology adoption? Find out (and more!) in GSW’s third report of their 4-part annual trends series: Digital Trends. With a unique perspective on behavioral trends at the cross section of digital + health, the report outlines the top eight trends expected to change the landscape in 2015.
Our Guide to Digital disruption Update 2019John Ashcroft
A collection of our articles on Digital Disruption and Change Management updated for 2019.
Don't thumb your nose at Digital Disruption
So what do we mean by digital disruption
The six forces shaping digital disruption
Digital Disruption Industries of the future
Which jobs will be at risk in the years ahead
Digital Disruption and the UK Banking System
Digital marketing trends: Top consumer trends and new Brand Engagement Rules Ioana Barbu
What makes consumers react and shop today, in a more and more digital world? Here are 5 top trends you need to follow in order to make sure you engage with your audience they way they need and expect you to.
With the annual hype fest known as the Consumer Electronics Show (CES) finishing up last week, now seems an instructive time to reflect on the hype cycle around technology and trends.
Many mistaken predictions all point to the imperfection and impermanence of the prediction business. For tech trends in particular, such as those being hatched last week at CES, it’s a perilous endeavor with few (if any) sure-fire winners and even fewer all-knowing prognosticators.
Latest collection of things we (Atomico) found interesting and important in tech and VC land, but that didn’t necessarily get the attention they deserve. We think of them as our hidden little gems. We’ll add to the collection over time, so bookmark the page and keep coming back for updates or to dig into the archive.
A presentation on the challenges we must address to better utilise the Internet to create better ways of working, learning and living; trust, payments, security, copyright and taxation.
Curiosity Stop Special: Techcrunch Disrupt 2016We Are Social
Techcrunch Disrupt is where some of the world’s most game-changing technologies and tech innovations are first revealed. Didn’t get a chance to go? Fear not. We've identified six of the most interesting themes and talks from this year to keep you in the know of what’s going to be big over the coming months.
The Future of Insurance special report, published in The Times, reveals how this traditional sector is keeping up with the digital age. The report covers price wars between companies, the impact of technology and how personal data may penalise ‘uninsurables’. Additionally, it includes a pull-out infographic charting the rise of telematics
Retrouvez chaque mois le meilleur des publications Ipsos à travers le monde sélectionné par notre Knowledge Center. Découvrez vite notre dernier numéro : études, points de vue, analyses... dans un format synthétique et pratique ! L'essentiel en une page et des liens pour aller plus loin.
The Future of Information Services & TechnologyCognizant
In 2025 and beyond, the companies that control our data will rule. Here's how the tech industry will look in the next 15 years and the challenges it will need to overcome to get there.
Digital technology has impacted the lives of consumers and businesses around the world. With access to
the internet and the lowering cost of smart devices, audiences use the internet to improve their daily
lives. In this connected world, access to information is seen as a necessity rather than a convenience
Similar to Disruptive technology to Home Insurance (20)
White wonder, Work developed by Eva TschoppMansi Shah
White Wonder by Eva Tschopp
A tale about our culture around the use of fertilizers and pesticides visiting small farms around Ahmedabad in Matar and Shilaj.
Hello everyone! I am thrilled to present my latest portfolio on LinkedIn, marking the culmination of my architectural journey thus far. Over the span of five years, I've been fortunate to acquire a wealth of knowledge under the guidance of esteemed professors and industry mentors. From rigorous academic pursuits to practical engagements, each experience has contributed to my growth and refinement as an architecture student. This portfolio not only showcases my projects but also underscores my attention to detail and to innovative architecture as a profession.
Dive into the innovative world of smart garages with our insightful presentation, "Exploring the Future of Smart Garages." This comprehensive guide covers the latest advancements in garage technology, including automated systems, smart security features, energy efficiency solutions, and seamless integration with smart home ecosystems. Learn how these technologies are transforming traditional garages into high-tech, efficient spaces that enhance convenience, safety, and sustainability.
Ideal for homeowners, tech enthusiasts, and industry professionals, this presentation provides valuable insights into the trends, benefits, and future developments in smart garage technology. Stay ahead of the curve with our expert analysis and practical tips on implementing smart garage solutions.
Transforming Brand Perception and Boosting Profitabilityaaryangarg12
In today's digital era, the dynamics of brand perception, consumer behavior, and profitability have been profoundly reshaped by the synergy of branding, social media, and website design. This research paper investigates the transformative power of these elements in influencing how individuals perceive brands and products and how this transformation can be harnessed to drive sales and profitability for businesses.
Through an exploration of brand psychology and consumer behavior, this study sheds light on the intricate ways in which effective branding strategies, strategic social media engagement, and user-centric website design contribute to altering consumers' perceptions. We delve into the principles that underlie successful brand transformations, examining how visual identity, messaging, and storytelling can captivate and resonate with target audiences.
Methodologically, this research employs a comprehensive approach, combining qualitative and quantitative analyses. Real-world case studies illustrate the impact of branding, social media campaigns, and website redesigns on consumer perception, sales figures, and profitability. We assess the various metrics, including brand awareness, customer engagement, conversion rates, and revenue growth, to measure the effectiveness of these strategies.
The results underscore the pivotal role of cohesive branding, social media influence, and website usability in shaping positive brand perceptions, influencing consumer decisions, and ultimately bolstering sales and profitability. This paper provides actionable insights and strategic recommendations for businesses seeking to leverage branding, social media, and website design as potent tools to enhance their market position and financial success.
Top 5 Indian Style Modular Kitchen DesignsFinzo Kitchens
Get the perfect modular kitchen in Gurgaon at Finzo! We offer high-quality, custom-designed kitchens at the best prices. Wardrobes and home & office furniture are also available. Free consultation! Best Quality Luxury Modular kitchen in Gurgaon available at best price. All types of Modular Kitchens are available U Shaped Modular kitchens, L Shaped Modular Kitchen, G Shaped Modular Kitchens, Inline Modular Kitchens and Italian Modular Kitchen.
Can AI do good? at 'offtheCanvas' India HCI preludeAlan Dix
Invited talk at 'offtheCanvas' IndiaHCI prelude, 29th June 2024.
https://www.alandix.com/academic/talks/offtheCanvas-IndiaHCI2024/
The world is being changed fundamentally by AI and we are constantly faced with newspaper headlines about its harmful effects. However, there is also the potential to both ameliorate theses harms and use the new abilities of AI to transform society for the good. Can you make the difference?
Expert Accessory Dwelling Unit (ADU) Drafting ServicesResDraft
Whether you’re looking to create a guest house, a rental unit, or a private retreat, our experienced team will design a space that complements your existing home and maximizes your investment. We provide personalized, comprehensive expert accessory dwelling unit (ADU)drafting solutions tailored to your needs, ensuring a seamless process from concept to completion.
26. The Great Recession didn't just postpone financial independence for millions of young
Americans. It also changed our attitudes about what it means to be an adult.
http://www.theatlantic.com/business/archive/2012/02/adulthood-delayed-
what-has-the-recession-done-to-millennials/252913/
27. In August 2010, Robin Marantz Henig observed
in New York Times Magazine that Generation Y
(the Millennials) has pushed back each of the
five milestones of adulthood: completing
school, leaving home, becoming financially
independent, marrying, and having a kid. Why
won't Millennials grow up? she wondered.
The biggest reason is they can't, according to
the Pew Research Center's fantastic new
survey "Young, Underemployed, and
Optimistic." It begins with school.
28. The good news is that more young adults are enrolled in school than ever.
The share of 18- to 24-year-olds enrolled has increased by 50% since 1990.
That's awesome. Less awesome is that the cost of college is rising, too.
Average debt for public college
students doubled between 1996 and 2006. It's less advisable to invest in
marriage with $30,000 in student debt as a couple. "More than one-in-five
young adults ages 18 to 34 (22%) say they have postponed having a baby
because of the bad economy," Pew reported. "Roughly the same proportion
say they have postponed getting married."
29. If school years delayed financial independence,
the Great Recession just about shattered it.
Due to economic conditions, 24% of young
adults have moved back in with their parents
for a significant period of time. "Among those
ages 25 to 29, the share moving back home
rises to 34%," Pew reports. One in three!
44. We need to diverge to survive as
more enter the market
45.
46.
47.
48. Then there's the drooping middle class. The Federal Reserve Board's latest analysis of family
finances showed that from 1998 to 2001, American incomes were up across the board. But
when economists divided the population into five equal segments, a well curve emerged.
"Incomes grew at different rates in different parts of the income distribution," the Fed reported,
"with faster growth at the top and bottom ranges than in the middle."
49. For example, a younger policy holder is
likely to renew an automobile insurance policy
at regulatory minimum coverages to keep his or her cost low.
50. However, as the same individual
grows older and becomes more value
and time conscious, he or she will consider
riders for roadside assistance and vehicle
repair.
51. The breakdowns for these market segments can be complex when considering the dimensions
of vehicle type, geographic location, income, household makeup and
many other factors.
52. As insurance operations grew over the years and more and more lines of business (LOBs) were
introduced, the business side within insurance companies developed a product centric view of
the industry. At the same time, information systems grew in capability and became an
indispensable component of the business. When systems areas were created and funded, they
necessarily formed around the existing LOBs, and thus today’s silo approach to IT was born. Only
gradually are the terms “one face to the customer” and “single view of the customer” gaining a
hold in insurance thinking.
53. While insurers were maintaining their product centricity, consumers changed in other ways.
Consumers were more or less a uniform group 20 years ago, with price sensitivity versus service
orientation lying on a Gaussian curve.
Today this bell curve has completely flipped, leaving a market with significant populations of
consumers at both ends of the commodity pricing versus premium quality spectrum. As a result,
the classic mass market is diminished although still pursued
54. On one side, hunting for the cheapest offer has become a popular sport, rendering
other product parameters irrelevant. On the other side, consumers are still willing to
pay a premium for convenience and service.
55. On the other side, consumers are still willing to
pay a premium for convenience and service.
64. Why cant it reward an insurance claim
In the most basic form, what's stopping our customers
From crowdsourcing a global pot and reward
Each other due to a great video?
Kickstarter rewards an idea
65. Why cant it reward an insurance claim
Kickstarter rewards an idea
71. Tech Entrepreneurs are like Vikings
The will go from village to village burning down industry standards if there is
Gold to be had
72. Vehicle insurance is more attractive as it’s a need not a want. Depending on how Apple positions
the space they may allow startups to enter the market through Apps
It’s a space that insurance needs to quickly innovate
Only barrier is legislation
73. Vehicle insurance will be hit first as it’s a need not a want
It’s a space that insurance needs to quickly innovate
Only barrier is legislation
Home insurance already has innovation with the nest.
Home insurance is a nice point of entry as anyone with intelligent devices
Are early adaptors.
75. Gadget insurance is going to become more and more important in the future.
It can be the tool for early adoption, education and to begin the first step into
moving Axa into the internet of things.
Bit like the €5 top ups that converted early mobile phone users
76. Gadget insurance is going to become more and more important in the future.
It can be the tool for early adoption, education and to begin the first step into
moving Axa into the internet of things.
Bit like the €5 top ups that converted early mobile phone users
89. Artificial intelligence
Zuckerberg reveals Facebook's AI
Zuck says Facebook's in the midst of building AI systems "that are
better than humans at our primary senses." They're designing one to
be able to detect everything in an image or video: people, objects,
animals, backgrounds and locations, among others.
If it can understand what's in an image or video, it could, for instance,
tell a blind person what it's about.
The other system they're working on focuses on language, so that it'll
be able to translate speech to text and text from one language to
another, as well as answer questions in conversational lingo.
Of course, these AI systems' most obvious application is being able to
surface more relevant News Feed entries for users and giving
everyone a new way to consume posts on the site.
engaget
90. Artificial intelligence
Snips Grabs $6.3 Million To Add An Artificial Intelligence Layer To Your Phone
French startup Snips just raised $6.3 million (€5.6 million) in a seed
round led by The Hive, with participation from Eniac Ventures, 500
startups, Brent Hoberman, Xavier Niel and Bpifrance. The company
wants to add some sort of artificial intelligence layer on top of your
smartphone so that you can use your phone more efficiently.
In pragmatical terms, Snips will release in the near future a new
Android home screen as well as an iPhone app so that it can show
you relevant information and apps when and where you need them.
In many ways, this pitch is very reminiscent of smart Android home
screen startups, such as EverythingMe. The iOS app might just be an
intelligent app launcher.
http://techcrunch.com/2015/06/26/snips-grabs-6-3-million-to-add-an-artificial-
intelligence-layer-to-your-phone/#.lfbegm:avYL
91. Snips has been around for a while, focusing
on smart data analysis with a lot of data
scientists and PhDs working for the
company. The team didn’t have a product
or business model in mind. It experimented
for a while, launching projects around
smart cities, such as Tranquilien, a service
that predicts how busy your train is going
to be, or a smart empty parking spot
prediction service.
http://techcrunch.com/2015/06/26/snips-grabs-6-3-million-to-add-an-artificial-
intelligence-layer-to-your-phone/#.lfbegm:avYL
92. What the flip does A.I. have to do with Insurance?
(“It was better when he was using pugs as examples!”)
96. Players / Customers
In D&D players create a character sheet. Its where the player is
able to input information about the character they are playing.
It helps to define who the person is. Just like insurance forms. (
it all boils down to numbers in the end )
98. Dungeon Master / Insurance Company
A Dungeon master controls the game. He has rule books for
every event he can think of, within reason. He says whats with
the rules of the game and not. He can reward the players ability
99. The little castle is not for show, its called a DM screen. He can hide
behind that to tweak the game for each event. We need to keep the
game flowing and to cover his human errors, bad dice rolls. Much like
our call center he may not always have the right info in front of him so
he need to hide.
100. By 2005 his job can be done by an AI.
The AI will be able to react faster, give better feedback, call up
information faster.
101. The Director, sometimes referred to as the AI Director, or simply as AID is the artificial
intelligence of Left 4 Dead that features a dynamic system for game dramatics, pacing, and
difficulty.
Instead of set spawn points for enemies, the Director places enemies in varying positions
and numbers based upon each player's current situation, status, skill, and location, creating
a new experience for each play-through. The Director also creates mood and tension with
emotional cues such as visual effects, dynamic music and character communication.
Moreover, the Director is responsible for spawning additional health, ammo, weapons, and
Special Infected, like the Witch or the Tank.
It should be noted that there is another Director in the game, which controls the music on
a per-player scale, called the Music Director. This article will only deal with the main one,
the Director in charge of spawning enemies and items.
The Director
102. On the most basic term, Insurance will move
to an AI in the next 15-25 years.
Being able to track all your information
through devices, calculate problems before
they happen thus reducing the need for our
Dungeon Master/ Insurance Company we
know today.
103. Thanks to google maps my car will slow down for me. This
if I am driving my car. Black spots will generate from all
the data returning from each car accident. ( If self driving
cars crash?)
118. Apple was working on a project that would
"give Tesla a run for its money
119. Financial Times and other media sources speculated that Apple was perhaps developing
an advanced software platform to build upon what it introduced with CarPlay because a
full-on car project sounded unbelievable, but just hours later, The Wall Street
Journal launched a figurative bomb. Apple is indeed working on creating an electric
vehicle, said the site, a project that it started exploring last year.
120. The trend of macro and micro data means that
we will have google and Apple as a platform
And a competitor.
121. We can out-preform them by educating the customer
About our products now to be ready for a fighting chance.
122. Funding:
Received Undisclosed in 2 Rounds from 3 Investors
Most Recent Funding Series A on October 7, 2014 / Undisclosed
Amount
Headquarters:
Zürich, Zurich
Description:
Knip is a curated insurance platform that aggregates all your
insurances and other financial products
123. Knip is a Swiss Curated Finance platform
that takes away the pain of managing your
financial life. It manages all your insurances
and other financial products like pension
plans for you online and on your mobile.
Furthermore Knip provides you with a bi-
annual review of your finances to always
provide you with the best tariffs and
products. Insurance hassle - never again.
124. Overview
Free yourself from the insurance mess! The
Knip app takes over the complete
management of your insurance! You have
to give us a few key figures. We will finally
provide the necessary overview of your
insurance, tariffs and services.
125. Interaction
We are there when you need it! Reporting
a damage directly from the app and
change addresses, rates and information
on the fly. Freedom is a great feeling.