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  • Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

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    At WWDC 2024, Apple unleashed a blitzkrieg of software updates to put AI, or “Apple Intelligence,” front and center in your iPhones, iPads, and Macs.
    After Samsung and Google pushed AI on phones, it’s now Apple’s turn to try and flip the script to make smartphones, tablets, and laptops “smarter” by introducing an AI of its own.

    If you woke up this morning hoping for some big hardware announcement, or hell, even a hint or teaser for a new phone or Mac design, it’s best you return to your comfortable cave and hibernate until the next big Apple showcase. Regarding software, Apple Intelligence will be available in most user-end apps with automatic summarizations and AI-enhanced photo editing. ChatGPT is coming to the latest iPhones as the Cupertino, California tech giant is set to make the chatbot accessible anywhere on the phone without needing the app.

    WWDC 2024 — June 10 | Apple

    If you have no interest in AI, there are a few new updates to get excited about. iOS 18 and iPadOS 18 are incoming, promising some long-awaited features. One is the iPhone lock screen update, which allows users to place their widgets and icons where they want. Another is the update to Messenger that will finally enable it to use the RCS protocol. Say goodbye to those green bubbles forever.

    Meanwhile, iPads and Macs are getting a few new, unexpected features, like a full-on Calculator app that supports scribbling and iPhone mirroring on macOS Sequoia. Many of these updates are slated for fall of this year, though the betas should start rolling out in the next few months.

    What’s Up With ‘Apple Intelligence’

    Apple Intelligence is Apple’s Big AI Product for All of its Ecosystem

    Screenshot: Apple

    First on the list is “Apple Intelligence.” The Cupertino company’s AI is just what it says on the tin: an entire ecosystem for navigating users’ lives. There’s a lot going into it, but—eventually—the software should be able to include multimodal AI vision capabilities and work within all the apps on your iPhone, iPad, and Mac. The only problem is that we still don’t know exactly when any or parts of these features should be available.

    Apple Intelligence can Rewrite or Proofread Text

    Apple promises the new AI writing tools can summarize your text and add an easy “TLDR” to the top of emails. Like Google’s Gemini, the rewriting feature could include different text styles to make it sound more “Friendly” or “Concise.” You also have the option to add tables, lists, or summaries to the text. This should work in pretty much all Apple apps and some third-party apps.

    Apple’s Emails Will Summarize Important Points Before You Open them

    The Priority feature in the Mail app will show you your most important emails or messages for when you have a lot of them coming in at once. These condensed notifications will show this right on the lock screen of your iPhone. This works with a new Focus that cuts down on the number of notifications and only shows the most important ones.

    Apple Will Let You Create AI Images, Including ‘Genmojis’

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    Of course, Apple wouldn’t stay its hand from the AI image generation game. The new Image Playground is built into Pages, Messages, Freeform, and several other apps.

    You have three styles on offer: animation, illustration, or sketch, but you have the regular prompt bar to make it create whatever (somewhat disturbing) images you desire. There are also new AI-generated emojis called ‘Genmoji,’ which will come out as a sticker or Tapback. You can also create one of your friends if you trust it enough. Apple promises all its images are generated on-device.

    There’s also a new Magic Eraser-like tool in Photos to remove unwanted elements from an image before filling in those missing pixels.

    The Apple Intelligence Can Pull Up Your Files and Photos

    There’s a lot of big promises coming about thanks to AI. Apple claims their new AI system will eventually let the AI perform rather complex actions, like pulling up photos and files from any of your apps. It should be able to work between apps so that it will know when your meetings are and what your plans are for that day when you ask it to send a text that helps you work around your schedule.

    Apple Promises Its AI Won’t Save Your Data

    Some of the AI running on Apple’s devices are on-device, but those are supposed to run through Private Cloud Compute. Apple promises to maintain your privacy by determining if a request needs any off-device AI. Then, it will only send parts of the request to the cloud. Apple promises outside agencies will be able to look at Apple’s servers to verify the big privacy claims.

    Siri Has a New Look and a Whole Lot More Capabilities

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    Poor, beleaguered Siri is finally receiving those long-rumored AI upgrades, but we may need to wait a long time to see them in action. The Siri updates will allow the assistant to interact with iPhone and iPad apps far more than it currently can.

    For one, Siri now has a new logo and look, making the borders of the screen wavy whenever the assistant gets called up. Siri will maintain conversational context and will be able to work off your previous requests. Now you can type to chat to Siri as well. Double tapping on the bottom of the screen allows you to communicate with Siri directly.

    Siri can also take actions happening on-screen. It can also take actions across apps, like adding a photo from the Photos app to the Notes app. Eventually, the idea is that Siri can take specific actions in more apps over time.

    The digital assistant should also become more engrained with users’ “Personal Context.” Siri should know your emails, plans, calendar events, and texts to find all the necessary information.

    Siri Will Be Your Best How-To Machine for Apple Products

    Siri should be able to send you a how-to guide for anything related to your Apple products. This comes baked into Siri and will work with all the most commonly asked questions about Apple products.

    Siri Can Use ChatGPT ‘Seamlessly’

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    While we don’t have a good idea when Siri will receive its most important updates, we know that the current stopgap will be ChatGPT integration directly on users’ devices. The app will be accessible straight from Siri and the new compose feature. You can use the chatbot to generate DALL-E images as well. Apple promises this integration will be powered by GPT-4o for free without paying for an account.

    Apple promises your activities won’t be logged, and you can access the ChatGPT paid features if you link your account. ChatGPT integration will be coming to all the Apple ecosystem’s new updates later this year.

    iOS 18 is Promising some Long-Awaited Customization Features

    iOS Now Supports RCS

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    As a last-minute note to end its talk about iOS 18, Apple confirmed that the next version of iOS will support RCS protocol. There’s no word yet exactly what form this will take, though Android Authority first recognized that it could be RCS Universal Profile 2.4. This could be the true end to green bubble tyranny, but we’ll learn more as we get close to release.

    iOS 18 Lets You Finally Rearrange Your Home Screen Apps

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    iOS 18 will be a big one for folks who have long demanded Android-like customizability on the iPhone. Now, you can rearrange all your apps and widgets on the home screen however you like, so you can finally frame your background wallpaper without having an app covering up your kids’ faces. Apple goes further by allowing users to set the tint and tone of the app’s icons themselves.

    You Can Soon “Lock” Any App in iOS 18

    The next iPhone update will allow users to lock and hide apps so anyone using your phone won’t have immediate access without biometric scanning or a PIN. Similarly, you can now hide away apps into a select hidden folder if you don’t want visitors to your iPhone to get into some of your more sensitive apps without a passcode.

    Messenger Includes Full Emoji Tapbacks

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    Are you annoyed you can’t do full emoji reactions to texts like you can on Android? The iOS Talkback feature is receiving full emoji support, so you can respond to your friend’s queries with as many poop emojis as their messages require.

    Messenger Text Effects Will Let You Emphasize Certain Words

    The Messenger app in iOS 18 is expanding the ability to emphasize words. Now, instead of just emphasizing the names of people or other words, users can use Text Effects to make certain words blow up or jiggle. The app will automatically suggest specific effects for certain words. There are new effects, and you can add them to any text you want.

    Messages are also gaining the ability to use text formatting, allowing you to underline, bold, or italicize words or phrases.

    Game Mode on iPhone

    Mac’s Game Mode is getting a version on iPhone. The mode should automatically kick in while in a game. This minimizes background tasks to put as much processing power into the game. It should improve latency with controllers or AirPods.

    Messages Via Satellite

    If you find yourself without cellphone service, Apple will let you use your iPhone to text friends and family when off the grid on Messages. You can still send emojis and Tapbacks, and Apple claims its E2E encrypted. This will only be available with the iPhone 14 or later, which comes with satellite support.

    Apple Maps Now Allows You to Get Hiking Trail Info

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    Apple Maps now has access to topographic trail maps, allowing hiking loops on your phone. This will show the overall length and elevation gain of the trail or loop and the various entry points on the app.

    Tap to Cash Allows You to Pay Your Friends With Your Phone

    Those iPhone users keen on Apple Cash will soon be able to send money to each other using the same action you can use to send folks your contact information. Hovering both phones with the active cash app will send and receive money from your wallet. Additionally, event tickets are being redesigned to show you details about the venue and other essential information.

    Photos App is Gonna Look a Hell of a Lot Different

    The Photos app now has a new design that shows all your photos in a single grid. You can find different photos based on months or years and filter your photos to eschew screenshots.

    The new Collections will let you section different photos into topics like People & Pets or Recent Days. This will let you see your photos in a collage. In selections like Trips, you can find your vacations or travels by date. You can also pin different collections.

    The Favorites carousel now shows you a slideshow of photos from various favorite collections.

    iPadOS 18 Promises Some New and Unique Features for Apple’s Tablets

    Floating Tab Bar on iPad Might Make it Far Easier to Use

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    Apple is introducing a new floating tab bar for iPadOS 18. It essentially works as an easy-to-access menu that can morph into a sidebar for even more fine-tuned controls. It should work with most Apple apps on the iPad. There are also new animations to accompany this update. Apple added it’s working to make browsing through documents easier on Apple’s tablets.

    SharePlay Tap and Draw Will Let You Remote Control Another iPad

    The new SharePlay update will let you make annotations on a foreign device and act as a remote control for another person’s iPad. So, if you’re trying to describe to your mom how to access her iPad photos, you can use SharePlay and draw an arrow straight to them. Once you get frustrated enough, you can take control.

    Calculator on iPad (‘Yay’)

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    Finally, the iPad is getting a calculator app, but it’s far more interesting than that. It may look like It also works with Apple Pencil. Math Notes comes up from the calculator button, and if you write out an equal sign, it solves it for you, updating it live depending on your different functions. It also works with lists that let you tabulate numbers rather quickly. Notes also have the same math capabilities as Calculator.

    Notes’ Smart Script Will Fix Your Chicken Scratch as You Write

    The AI will make your writing more legible as you go. The on-board AI should be able to take your loose handwriting and make it a bit more legible while keeping your writing “style.” You can paste it directly into the Notes app, which should mimic your handwriting style.

    So, What’s New in macOS Sequoia?

    macOS Sequoia Will Allow You to Mirror Your iPhone on Your MacBook

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    Screenshot: Apple

    macOS Sequoia is getting a lot of the features you can find on Apple’s other products. Continuity will let you access universal apps on the rest of the Apple ecosystem. More importantly, it will let you mirror your iPhone on a Mac. Users can then select and work on any of the iPhone’s apps. The audio also comes through Mac.

    The iPhone stays locked while you mirror it and works with Standby mode. When your phone is connected to the laptop, iPhone notifications will also appear on Mac, and when you click on them, your iPhone mirror will open up.

    You Can Place Your Mac Windows into Tiles, Like Windows 11

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    macOS Sequoia is adding a few new tiling features to make organizing your desktop more seamless. Bringing a window to a corner of the screen should automatically reorient and morph to fit a clean style.

    You Can Preview Your Camera When Doing a Facetime

    Before hopping into a video meeting, Macs will let you preview what you look like on camera. It is better to help you fix your makeup or remember to put on a shirt. There’s also a built-in background replacer if you can’t access one in whatever app you use.

    Passwords App Will Show All Your Stuff

    There’s now an all-new Passwords app to act as your one-stop shop for your keychains and important, sensitive information. It should be present across the entire Apple ecosystem. This should contain everything from WiFi passwords to verification codes to Passkeys.

    Safari Reader Function Summarizes Text

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    The new updates to Safari introduce several new AI functions. At the top of the list are AI-generated summaries for the content on web pages. The Reader mode changes the website’s look and brings up a table of contents. There’s no look whether it also removes ads while it’s at it.

    Game Porting Toolkit 2 Adds Better Windows Compatibility

    Apple first announced its Game Porting Toolkit last WWDC, and now there’s a sequel that promises to make porting more hardcore titles easier to Apple’s framework. The company detailed several new games coming to Mac, including Frostpunk 2 and Control. Assassins Creed: Shadows is also coming to iPad, and Prince of Persia: Shattered Crown is coming to Mac.

    How About watchOS 11 and AirPods?

    AirPods Can Sense Your Head Nods For Saying Yes to Siri

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    If you’d rather not be that asshole in the elevator talking on your Bluetooth headset, AirPods will soon get a feature that should track your head movements. If there’s an incoming call, you can nod or shake your head to respond yes or no to taking it. After it rolls out to AirPods, we’ll have to see what other uses this gesture has.

    Apple Watch’s watchOS 11 Gets Training Mode 

    There are a few new features on the Apple Watch for those fitness fans. With Training Mode, an AI algorithm tells you what kind of effort you made during your recent exercise. This might tell you if you were going too soft or too hard on your recent workout. Plus, you can customize your Fitness app to see what kind of data you want to see at a glance.

    The Next watchOS Update Includes a Vitals App

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    The Vitals app will look at your entire health data to check all your health metrics and even tell you whether your drinking has impacted your health. This might show your heart rate and tell you whether that’s in your typical range. If it’s not within normal levels, the app should give you a rundown of what’s happening and what could be causing the issue.

    Apple Watch Will Open Up Different Widgets Depending on Context

    Apple’s smart stacks will automatically add weather or translation widgets to your main screen if it thinks you need them. This might come up when it looks like it’s about to rain or if you’re traveling around a foreign country.

    The Apple Watch Will Determine Which Photos Work Best for Your Home Screen

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    Like its new TV update, Apple Watches will look through your photos and select those with enough blank space to fit the time. It should also be able to stick the time in front or behind certain photo elements, making it look far more like the photo belongs on the home screen.

    If you’d rather not be that asshole in the elevator talking on your Bluetooth headset, AirPods will soon get a feature that should track your head movements. If there’s an incoming call, you can nod or shake your head to respond yes or no to taking it. After it rolls out to AirPods, we’ll have to see what other uses this gesture has.

    AirPods Pro Now Have Voice Isolation and Spatial Audio in Gaming

    AirPods Pro is getting an update that will add voice isolation to remove background noise for the sake of whoever’s on the other end. Additionally, developers can access an API to add spatial audio for games. This will add a surround-sound type experience to the game, first coming to Need for Speed Mobile.

    Is There Anything New Coming to Apple TV+ and Vision Pro?

    AppleVision OS 2, the Squeekquel, Will Let You Project Your Mac Screen Into nearly 180 Degrees

    Image for article titled Everything Announced at WWDC 2024: Apple Intelligence and a Smarter Siri

    Screenshot: Apple

    Apple released Vision Pro in February, and its first major update of the year is a sequel to the first visionOS coming down the pike just a few months later.

    The big new update includes several new spatial photo updates. The Vision Pro can turn 2D images into 3D-ish Spatial photos. You can share those spatial photos with SharePlay. Apple is adding a few new gestures to tap to open the home view or open the control center by turning your wrist. Later this year, Apple plans to update the OS to add better Mac screen integration. This will expand the total view of your projected Mac screen, and with dynamic foveation, it can create a wraparound screen that travels nearly 180 degrees.

    InSight on Apple tvOS Will Offer a Few Details on What You’re Watching

    Apple’s new InSight feature on Apple TV+ is essentially Amazon’s X-Ray. It lets you get a quick summary of the content you’re watching, plus information about the actors on screen and perhaps a little trivia about the scene as it plays. Plus, there are a few new screensaver animations, like one from Peanuts’ Snoopy, but your photos will now reframed to fit with a timestamp and look like they belong on-screen.

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    Kyle Barr

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  • Small business clients look to Chase for data insights | Bank Automation News

    Small business clients look to Chase for data insights | Bank Automation News

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    Small business clients looking to make data-driven business decisions within their operations don’t always know how to tap into their data, but JPMorgan Chase has created a solution to deliver these insights.  “Eighty-two percent of small businesses tell us that they want to use data, and they’re likely to use data in their business decision-making […]

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    Whitney McDonald

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  • A Vivid Near-Future Dystopia Comes to Life in This Moving Sci-FI Tale

    A Vivid Near-Future Dystopia Comes to Life in This Moving Sci-FI Tale

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    io9 is proud to present fiction from LIGHTSPEED MAGAZINE. Once a month, we feature a story from LIGHTSPEED’s current issue. This month’s selection is “A Pedra” by Endria Isa Richardson. You can read the story below or listen to the podcast.


    A Pedra

    I believe that if we have any notion at all of what has generally been called human nature, it is because History, like a mirror, holds up for our contemplation, an image of ourselves.

    —-Edgardo Rodríguez Juliá

    Audio Recording, “Lydia and Ecco at Insight,” February 3, 2134

    I didn’t run.

    If the boy had not called to you, you would have run.

    I would not have run.


    mãe,

    There are few moments that I remember with clarity. From those early days, I recall mostly a vast, pervading numbness. Profound dissociation. I remember Salt. I remember Hog.

    At night, I would curl between them. With my eyes closed, I would try to see them as they were just in that moment. I would block out what I knew would be. I would see Salt’s ruddy cheeks and puffy brown hair. His shoulders, just beginning to broaden with muscle. His pale forearms already ropey from physical training. Hog’s deep brown eyes and chapped, gentle lips. The soft tufts of his hair brushing against my cheek as he moved about inside a dream.

    You will never meet either of them. You will never meet our child. Your grandchild.

    If I still couldn’t sleep, I would look for you. Of course I never found you. If you were in my future, I would have already known.


    Once, I told Salt and Hog that I had known a mother. A home. What I thought was a family. They were thrown away by their parents, addicts like you, as infants. At school, we were not supposed to say, “thrown away.” We were supposed to say, “offered to the future.” But I am not at school any longer. So, they were thrown away by their parents, eaten by Kismet to mine the one true future. They assumed the same was true for me, until I told them that I lived with you until I was eleven. But ah, puberty, eh? The bitch. She came, and broke us. You could not handle me anymore. The aunties and uncles and cousins who had helped grow me, who had (I thought) loved me, raised their machetes and told you—-take care of her, or we will. I still remember the certainty of your voice when you said, “I will do it myself.” You took auntie’s blade. You marched me out of the only home I had ever known. You raised your hand to me, who had never known violence. You said, “Run, Lydia, meu coração, run.”


    TIME, November 13, 2134

    THE MAN BEHIND THE CURTAIN’S PLAN TO OPEN THE FUTURE

    The story of Insight’s first year was one of relentless forward motion: an underground research facility constructed in an undisclosed location, patents filed for what Insight billed as “a safer alternative to the drug kite,” an “army corps of scientists” hired, trained, and housed entirely on campus. In the intervening years, however, both Insight and XO seemed to vanish.

    This is the first appearance XO has made since then. During this interview, as in our last, XO does not share his image or voice. We meet virtually. His avatar is a slightly built Southeast Asian man clothed in a slim-cut dark blue velour tracksuit. Sunglasses veil his eyes. “I am not a terrorist,” he begins. He laughs, and it’s jarring. “I am interested in terror as a mind-, and therefore time- expanding substance.”

    I ask him to clarify what he means.

    “What can heightened emotions, like terror, teach us about the pliability of time? There are ancient wisdom traditions that suggest that when we confront the unimaginable, and for most people that is something horrifying, that is when we truly are free. Unlocking all futures, not only the ones that are palatable to us, requires absolute freedom.”

    When I ask him to share the most horrible thing he has ever confronted, he confesses, in a moment of unexpected vulnerability. “My mother abandoned me when I was very young. Deep down, I had feared that separation my whole short life. Once it happened, I realized I no longer needed to fear anything. I could be free. I could suddenly imagine many possible futures for myself. My future no longer relied on something I could not control, another person’s presence or absence. I want that freedom for everybody.”


    mãe,

    This is how my story begins, if you can call it a beginning. With our plan to escape.

    Many of us at school never made it past our first year. We overdosed on kite or any one of the other street drugs, or died because we couldn’t source clean drugs, or the bleak reality that our lives were completely fucking pointless drove us mad. If we made it far enough, we were placed. We tried, for some more years, not to kill ourselves or anyone else. Until then, it was best to find something, or someone, that could anchor us—-in one body, in one time—-and focus hard on that. Otherwise, we tried not to focus at all. Floated somewhere between present and future. Drank until we had to take a break from drinking. Drugged ourselves into the stratosphere. Fucked. Got angry. Messed around. Me and Hog had a serious fling. Then me and Salt. Then me, Salt, and Hog. As good a way to pass the time as any. Then Hog got called in for early placement, and came back quiet. After that, it was mostly me and Salt.

    That was about when we decided to do something we had not seen ourselves do. Do you understand? We decided to cheat the future.

    It cheated us instead.

    The day Ecco came for me, I was hurrying through the main corridor back to Salt’s room. Someone called out to me from inside the Head’s office. I got ready to lie my way out of anything—-I swear, that half-full bucket of prune liquor me and Hog have brewing in the dormer is only for educational and scientific purposes—-but stopped short at the door.

    The man standing in Head’s office was short. Only a few inches taller than me. And brown-skinned and wide. Good and stocky, a nice soft fatness wrapped around a solid frame. At the time, I probably thought he was attractive. There weren’t many of us blacks at the school. I was one. Hog was half of another. (Salt was Jewish. They were even more of a pariah).

    At that point, I still believed that I knew everything. Will that sound arrogant to you? It’s not. It was brutal. I didn’t know facts and figures or theoretical physics. But I believed I knew everything of consequence that would ever happen to me.

    (And to Hog.)

    (And to Salt.)

    (And to anyone who had, for training or for contract, required me to rip apart the fabric of time, extend my mind, like a finger, into its gap, shine my awareness . . . And see the bloody gems inside.)

    We had not seen our plan. We hadn’t seen it fail, we hadn’t seen it work. We were desperate enough to try, anyway.

    I had not seen this man, either. Not in time, and not in life. I should have known, then. I should have known to run, to grab Salt and Hog and run. But I was curious.

    After a while, I asked, “Who are you?”

    “Ecco,” he said, “It’s nice to finally meet you, Lydia.”

    Many things happened, more or less in sequence immediately after that. There was the first explosion, and that also surprised me. You have to understand, surprise was not an experience I knew well until that point. Mostly, I already knew. Mostly, I had already seen. Not this. The bombs, improvised molotov cocktails, weren’t supposed to be lit for several more hours. I was supposed to light one, Salt and Hog would light two others. A good amount of chaos, running and screaming in the halls, ensued. Then, a blow to my head and darkness.

    I woke. Later, elsewhere. I shouted (several times) from the pain in my head. No one came. I explored the room I had found myself in. It was blank, unrevealing, an infuriating beige-nothing. There was no bed, no furniture. There was no discernible door. The walls were soft, pliant. I seemed to be in some kind of sophisticated cage. It blocked me from seeing out of the present moment. I could not think, could not question. I could not rationalize. I curled up on the floor, and slept.

    When I next woke up, Ecco was standing above me. He handed me pills—-pain, and what I assumed was kite. I asked him many questions. He answered three. It was 13 August 2133, so three days had passed since the explosions at school. I was at a research lab called Insight. And, he said, I had been brought there to liberate the future.

    This began the next phase of my life. Ecco was my abductor, my captor, and later, my torturer. He was also the only person I saw, spoke to. I did, in those early days, feel something like sorrow for him. He would always begin our sessions with a series of “what if” questions: What if there were many, perhaps infinite, futures? What if there was a way to unlock time itself? What if we could move in time, not only see it stretched out, frozen, before us?

    He called it running.

    “You will run time, Lydia,” he told me. “Once you lose your fear.”


    The First Hundred Years of Kinsight: From the Early 22nd Century to the Present, Chapter 3

    By the time Insight Unlimited arose in the early 2130s, Kismet Corporation had already become the largest sole employer across the continents. In the Global North alone, Kismet contracted the services of at least 300,000 KIDS (Kismet Indentured Servants) in the first half of 2133, and was set to expand to half a million by 2134. Until Insight’s rise, the only challenges to Kismet came from fringe human rights organizations and activists sheltering in so-called “Dark Towns” (towns which had not converted to Kismet-time, and which often harbored absconded servants).

    Challenges grew in later years. Over the course of the latter 22nd century, Insight would destabilize Kismet’s stranglehold on the global economy by seeking to control the company’s indentured workforce. Seers, trained to locate resources in the future, were highly valuable to Kismet. In later decades, Insight’s poaching and re-training of Seers gave rise to a new class of workers.1 Runners were able to directly collect advanced technology, materials, and intellectual property from as far as millennia into the future, and return with them to the corporation. It is estimated that nearly half of all early runners were lost on their travels. A small number of highly sensitive Seers would later work for Insight and their subsidiaries, providing a range of services that included the location and extraction of missing runners.

    In the early 2100s, Insight began to seek control of those Seers whose unique skills they believed could disrupt Kismet’s control of the future. The wars between Insight and Kismet, waged largely between seers, runners, and dark towns, marked the beginning of a brutal century. However, the resulting liberation of trans-temporal commercial trade and merger of Insight and Kismet into Kinsight is inarguably among the greatest achievements of humankind.


    mãe,

    I remember the first time Ecco took the drug kite from me. I had not been fully without it since I arrived at school, nauseated and time-sick, barely able to stand. The third week I was at Insight, Ecco undosed me.

    I remember bracing for the rock of nausea. It came.

    Hog, prismed, leered at me from a thousand eyes. He shattered.

    “Hog?” I asked.

    Ecco stood once more across the room. “Ecco,” he said. “It’s nice to finally meet you, Lydia.”

    “What do you want?” I asked. “What do you want from me anyway?”

    I came, shuddering against Salt, and bit his shoulder.

    “Lydia,” someone cried. “Sai daqui!”

    I dropped from a tree in the dark, felt my arm crack. Screamed.

    I screamed in the room.

    I leaned over a toilet and vomited; flecks of bile and water hitting my cheeks.

    I fingered a smooth, black knife.

    I saw a brown face, like mine, but older. “Pedra,” I said.

    “Yes, yes,” said Ecco, coaxing, caressing my cheek.

    I found a brown hand in mine; clasped it. I let it pull me into darkness studded with bright crystal lozenges. Oblong mirrors, blinking on/off/on as the light in my mind caught their strange fractals.

    “Mãe?” I called. “Mãe?”

    Hog’s body fell to the mats.

    Salt’s chest exploded.

    Lozenges winked as I cast my mind about, seeking elsewhere. Inside of time, I saw futures. Not lozenges, not mirrors—-oh god, mamãe. How could I have thought they were mirrors. They opened. I was pulled forward, the nails of that hand digging in my flesh.

    “Mãe? Mãe?”

    I heard the boy’s voice behind me. I threw myself backwards, toward him.


    Audio Recording: “Lydia and Ecco at Insight” November 3, 2134

    Tell me about your mother.

    The whore who sold me to Kismet?

    “Papagaio come milho, periquito leva fama.”

    I don’t know what that means.

    I thought all you young people spoke Português. Eh? It means you are ungrateful to your mother. “Ao menino e ao borracho, põe-lhes Deus a mão por baixo.” God puts his hand under the boy and the young pigeon.

    Easy for you to say, who will never fly. If I felt God’s hand beneath me, I would spit on it. “Pimenta nos olhos dos outros é refresco.” Pepper in the eye is a pleasure to you, eh?

    Eh, não pimenta, mas pedra. Stone in the eye is a pleasure to me. Have you never tried to see her, Lydia? To understand why she abandoned you?

    I have tried.

    But you can’t?

    No.

    But you talk to her, when you are gone in your visions.


    mãe,

    The first time I was undosed from kite, I began to understand what Ecco meant with his talk of liberated futures. With his talk of running. I had been inside of some terrible material. I had felt the dark stuff move around me. Its currents were strong. I could feel some alive presence just beyond my skin tugging where it wanted me to go.

    I think Ecco comes from that place. Or he came from that place. Something about him feels the way it felt. Empty. Hungry.

    I tell him to run his futures by himself. He says I just need to discover the key to freedom. What will make me unafraid to enter the infinite future.

    Sometimes I think he is just lonely.


    Audio Recording: “Lydia and Ecco at Insight” March 3, 2135

    Are you ready to try again today? To run?

    I’d rather die.

    Die then. Kill yourself.

    I can’t. I don’t.

    See if you can. See if you do.

    I know how I end. I know how I continue. I know everything.

    Everything. What arrogance. You didn’t even know me.


    mãe,

    I never named him. I call him meu caração, my little boy, meu amor. I have been able to survive here because of him.

    It’s been five months since I last saw him. The first five months that I have been completely alone, in my life. I was already pregnant when Ecco took me from school. A child of Salt, or a child of Hog? I like to think, a child of both. I birthed him here, at Insight. Until August, they let him stay with me. We lived a strange, captive life, but we lived it together. Then Ecco took him. He said it was my own fault. My own choice.

    I don’t move. I don’t speak. Ecco gives me more kite now, triple what I used to take. I close my eyes and fly. I see everything, all of time rippling beneath me like waves, diamond-studded, glinting, on, off, on.

    But now I know. They are not mirrors, they are not diamonds. They are mouths.

    That is the difference between seeing and running.

    Sometimes, I let myself wonder whether Salt or Hog ever made it to you.

    That was our whole, foolish plan. Run to you, mamãe, like little children, and beg you to shelter us as you could not shelter me before. When there is no one left, no hope, we always turn to our mothers, eh, no matter how angry we are.

    I don’t think you will ever receive these little notes.


    ecco tells me that the secret to running is losing your mother.

    ecco tells me that if I want to find the boy, i’ll have to run him down myself.

    i tell him that i have been trying.

    something is not right

    not right

    i have started talking to myself, to hog, to salt, even to you. sometimes i wake as though from the middle of a dream, and i am talking to someone else—-but no one i know, or have known. i am the only one here. i am the only one here. i’ve been here for too long

    too long


    Audio Recording: “Lydia” April 2, 2135

    What do you remember from your first days at Insight, Lydia?

    I was dopesick. In pain. I hadn’t been without kite in years. I could barely stand. Couldn’t walk.

    You were lost in many simultaneous futures, without the drug that stabilized your vision in the world and its one future.

    Yes.

    You saw me.

    Yes.

    And what did you think, that first time?

    That you were my mother.

    (Soft laughter.)


    they took my eyes

    they took my eyes

    they took my eyes


    Journal of Time and Sight, Vol. IV, Winter 2324

    APPLYING ENUCLEATION TO ADDRESS THE PATHOPHYSIOLOGY OF HYPER-STEREOPSIC PARALYSIS IN KISMET-TRAINED SEERS

    Interest in the procedure of enucleation (removal of the eyes) as an intervention gained prominence in the late 22nd century, after it was performed with some success by the liberatory research group, Insight Unlimited. Numerous studies have investigated the subject since the embargo against eye-removal was lifted in 2135.

    At that point, the early Theory of Time Sight posited that children treated with the drug dimethylcathinone (“kite”) could be trained to see in four and possibly five, six, or seven dimensions. Davis and Shutter continued the theory, positing that time-paralysis (inability to move through time) exhibited in Kismet-trained Seers was a psychological, rather than physical, limitation. All children treated from an early age with dimethylcathinone should theoretically be capable of movement and not only sight. Hyper-reliance on world-sight, they hypothesized, might prohibit Seers from “flattening” time to one-dimension, a technique achieved by so-called “time runners.”

    Following the use of double obsidian implants after eye-removal in one subject, L. Peres, research into the procedure was halted due to undisclosed complications.


    The Los Angeles Times, August 10, 2135

    TWO MEN SENTENCED IN TERRORIST PLOT AGAINST KISMET

    Two men convicted of thirteen counts of murder in the first degree were handed six and three consecutive life sentences, respectively, this morning. The two men, Adam Hogkins, twenty-one, and Terrence Salz, nineteen, were convicted in July for their roles in aiding in the terrorist attacks on the Kismet Headquarters in Northern California in 2133, as part of a third-wing backlash over the use of “indentured servants” by the Kismet Corporation. The men, both students at the Kismet Training Academy, were found guilty of planning and providing material support for terrorist acts and illegal gang membership.

    The trial was one in a series of cases that arose out of what authorities determined was a sprawling terrorist plot orchestrated by an activist organization known as “Quilombo Sombrio,” and carried out with the cooperation of one other student, Lydia Davis Peres, the daughter of a well-known Quilombo member. Peres has been missing since the attack on the Kismet Headquarters.

    Normally relegated to one-time guerilla attacks, the incidents—-the bombing of a school and kidnapping of a student on August 10, 2133; the subsequent August 14th, 2133 bombings, and the largest escape of “indentured servants” at three Kismet locations—-underscore the growing threat of mainstream dissatisfaction with, and potential of violence toward, the company that “controls the future,” Kismet Unlimited.

    Human rights groups decried the lack of evidence against either defendant in the July trial, and are petitioning for appeals. Judge Julius Johnson sentenced Mr. Salz to a minimum of ninety-six years in prison, and Mr. Hogkins to a minimum of 192 years in prison. The younger Mr. Salz was escorted out of the courtroom by the bailiff. Mr. Hogkins appeared to be transferred to another authority, representatives of whom waited outside of the courtroom. He was transported to an unknown location in an unmarked car.


    Audio Recording: “Lydia and Ecco” August 15, 2135

    Do you know what I have for you?

    I can’t see.

    Here. (forty-five-second interval.) Pick it up.

    hnh. hnh. hnhh. hauh. Hau. Hau. Hau. Hauh. Haugh. How. How. Hough. Hog.

    It is the head of your Hog.

    (screaming)


    i am the only one here. She is not the only one here.

    Audio Recording: “Lydia and Ecco” (undated)

    Who do you talk to at night? The boy?

    I talk to Lydia.

    You are Lydia.

    No.


    She wants to run, but she is still afraid. Why? (She still has hope, even after holding Hog’s head in her hands).


    I whisper to Lydia in the dark. “Acalme-se.” Quiet yourself. I know our mother’s tongue. It passed to me along dark currents that human eyes will never see, human limbs will never wade through. (I have waded through the dry fields, rippled by dry wings that beat over sun-chapped skulls. I have waded through the salted sea currents. I have been worn away and dismantled. And still, I am).

    “You cannot change the past, meu coração.” My heart. “Only accept with wonder what the future may make of you.”

    “I know your voice,” she whispers.

    I laugh. “Of course you know my voice.”

    “Who are you? Who let you in?” Her hand gropes in darkness.

    I take her hand in mine. I make quieting noises with my tongue. “I simply come,” I say. “I walk through walls.”

    She feels my fingers with hers. I place her hand on my face, let her trace the ridges of my eyes. I do not let her flinch or pull back her hand when her fingers slip and touch my eyes. They are smooth as silk, and very cold. “See?” I tell her. “There is nothing to fear. It is just stone.”

    “I hate it,” she says, as though she were a child.

    “You fear it,” I say patiently, as though she were a child.

    “It is not me.”

    “It is us,” I tell her.

    “I need to leave,” she says. I feel her stand.

    “Leave.”

    “I have a child,” she says.

    “Find him.”

    She searches inside of herself for a feeling that has always been solid certainty, and now is so much fog. She pulls on air, says, “I will not survive.”

    “Look at me,” I tell her. I take her fingers again, bring them to my face. “And see that you survive.”


    The São Francisco Times, October 10, 2135

    KISMET STUDENTS FOUND

    A police raid was led on the dark town known as Quilombo Sombrio early this morning, located in a northern area of the state that has been largely uninhabited since flooding in the late 21st century gutted the cities and towns nearby. “We were able to collaborate with a private company that had obtained intelligence about the coordinates of the town, located in the foothills of Cruz Sagrada. We have long had reason to believe that the town was harboring fugitives belonging to the Kismet Group. We were able to relocate a number of the missing students. There were some casualties on both sides.”


    She asks me how.

    “You think of yourself as a peça. The piece. The slave. But we call ourself a pedra, the stone. Time cuts us, we do not cut time. We submit to time, allow it to move us. It will move us toward him. Our filho de pedra. Our endless echo. He who will cross all futures to create me, and destroy you.”


    Audio Recording: “Lydia and Ecco” September 30, 2135

    Quilombo Sombrio.

    Quilombo?

    A dark town in the Northwest. That’s where we must go.

    Why?

    To find my mother.


    I arrive at Quilombo after the police have gone, after the fires have burned themselves out. Ecco warned me that the town had been razed. The seers collected, taken back to Insight to readjust to the light of time after their years living in darkness. “It will be good for you,” he said.

    I marvel at what is here, what has been here, evading time. Inside of me, Lydia remembers the trees. I touch a giant that towers to my left—-wide plates of bark, roughly threaded, that smelled like vanilla and sugar. I touch my arm and remember a break she had received, falling from a tree as a child.

    I sense movement. Survivors, coming out from the forest to collect their dead. Amongst them, I know, is Lydia’s mother. I do not see her with my eyes. I see her within time. She floats to me on its black river.

    “Mamãe de Lydia,” I say, holding out my hands.

    Her fingers are rough and warm. She traces the ridges of my eyes.

    “O que é que você fez?” What have you done?

    “Survived,” I answer.

    “O que eu fiz para você?” What have I done to you?

    Lydia, the child, the slave, reaches to her. “Mamãe,” she yells, deep within my head. “Save me.”

    She still does not know that I am the one who will save her.

    Mamãe buckles and falls. Her hands grab at my face, my shoulders, my arms, my shirt.

    I pull my knife from her ribs, and wipe its blood on the tree.

    “You told me to run.”


    I am no longer afraid. There is nothing to hold me anywhere.

    The future beckons with all its glistening teeth. I turn my eyes (my stones) and see vents gaping open, closed, open, open, open. Until each is as wide as each, and running is only a matter of stepping from one open mouth to another.

    I run.

    and the thing that is inside me the thing i am inside of—-spins me like a pebble on its tongue—-swallows me whole (i am swallowed)—-i am in its one long throat—-it is the length of the universe—-i am passed by smooth muscle—-into its belly—-bright and white as the sun—-if i look too closely, i will die—-i am swallowed into the one true future—-burning—-but i who have no eyes cannot see—-and oh god, i cannot die

    everything leads here, ecco, you have seen this noplace too—-knowing this, i see you—-not the you that moves outside of time; the you that is being eaten alive (unending, it does not end) by the future—-

    i see you, meu filho, the one i never named, you and i both know that there is nowhere to run—-

    I open my eye. I see the Ecco who stands outside of time.

    “Mamãe,” he says, and takes my hand.

    He is no longer the sound, he is the echo. I am no longer the slave, I am the stone.

    We have nothing, we are nothing, we can go everywhere.

    Time moves us.


    1. Research into the emergent phenomenon of runners found no biological basis for the tendency of Black children to become runners. Johnson, Edgar et al, “‘Running from Loneliness’: Assessing psychological trauma present in Kismet-trained time-runners.” 2156 November 11. Johnson posited running as a conditioned response to an underlying trauma disorder—a literal flight response.


    About the Author

    Endria Isa Richardson is a writer based in Oakland, California. Her essays have appeared in Black Warrior Review, Alpinist, and Bay Nature magazines, and her speculative fiction is in Lightspeed, Clarkesworld, FIYAH, Nightmare, and others. Her work has received notable mentions in Best American Essays and Best American Science Fiction and Fantasy, and the runner-up award from the Black Warrior Review nonfiction contest. Endria holds a JD from Stanford Law School, and is currently a PhD student in African American Studies at UC Berkeley.

    Please visit LIGHTSPEED MAGAZINE to read more great science fiction and fantasy. This story first appeared in the April 2024 issue, which also features work by Mitchell Shanklin, Modupeoluwa Shelle, David Anaxagoras, David Marino, Susan Palwick, Vandana Singh, Rich Larson, and more. You can wait for this month’s contents to be serialized online, or you can buy the whole issue right now in convenient ebook format for just $3.99, or subscribe to the ebook edition here.


    Want more io9 news? Check out when to expect the latest Marvel, Star Wars, and Star Trek releases, what’s next for the DC Universe on film and TV, and everything you need to know about the future of Doctor Who.

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  • RFK Jr. apologizes to family for Super Bowl ad that invoked President John F. Kennedy

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    A Super Bowl ad touting the independent presidential candidacy of Robert F. Kennedy Jr. and invoked President John F. Kennedy drew the ire of the Kennedy family.

    “My cousin’s Super Bowl ad used our uncle’s faces- and my Mother’s. She would be appalled by his deadly health care views,” Bobby Shriver, the former mayor of Santa Monica and the son of Eunice Kennedy and Sargent Shriver, wrote on X, formerly Twitter. “Respect for science, vaccines, & health care equity were in her DNA. She strongly supported my health care work at @ONECampaign & @RED which he opposes.”

    Former California First Lady Maria Shriver reposted the message, while her brother Mark Shriver wrote that he agreed with the message, “simple as that.”

    Robert F. Kennedy Jr., an environmental attorney who is known for promoting anti-vaccine conspiracy theories, responded with an apology.

    “I’m so sorry if the Super Bowl advertisement caused anyone in my family pain,” he wrote on X. “The ad was created and aired by the American Values Super PAC without any involvement or approval from my campaign. FEC rules prohibit Super PACs from consulting with me or my staff. I love you all. God bless you.”

    However, he continued promoting the ad on his X feed, at one point pinning it to the top of his profile.

    Bobby Shriver declined to comment.

    The 30-second ad that aired Sunday is a modified version of a minute-long one promoting John F. Kennedy’s 1960 presidential campaign, replacing the late president’s pictures with images of Robert F. Kennedy Jr.

    A political media buyer estimated the ad cost $6 million to $7 million.

    Democrats have previously criticized the American Values Super PAC for being funded by a major donor to former President Trump.

    When Robert F. Kennedy Jr., who lives in Los Angeles part of the year with his wife, actor Cheryl Hines, initially announced his presidential bid, he said he would run as a Democrat. He later announced that he would run as an independent, which is why he will not appear on the California primary ballot on March 5.

    Candidates not affiliated with a political party do not appear on California’s presidential primary ballot but can appear on the general election ballot if they submit more than 219,000 signatures (1% of the number of registered voters in the state).



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    Seema Mehta

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  • Past, Present, and Future: Lessons from A Christmas Carol

    Past, Present, and Future: Lessons from A Christmas Carol

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    From ‘Bah, humbug!’ to redemption: Charles Dickens’ ‘A Christmas Carol’ unfolds as more than just a festive fable, offering profound insights into self-discovery, kindness, and rewriting one’s life story.


    Charles Dickens’ timeless classic, “A Christmas Carol,” isn’t just a heartwarming tale of holiday spirit; it’s a profound exploration of human psychology and the power of personal transformation.

    Many of us have heard the story before through countless movie and TV adaptations, especially the infamous Scrooge, whose name has now become a common insult toward those who fight against the holiday spirit of joy, kindness, and charity.

    If you’re interested, you can read the original 1843 novella A Christmas Carol for free at Project Gutenberg. There are also many free audiobooks you can find and listen to.

    The story opens the day before Christmas with Ebenezer Scrooge at work, a strict businessman who is described as miserable, lonely, and greedy, without any close friends or companions. His nephew visits, wishes him a cheerily “Merry Christmas!” and invites him to spend dinner with his family, but Scrooge rudely brushes off the kind gesture and responds with his trademark phrase “Bah humbug!”

    Scrooge’s cynical and negative attitude is on full display in the opening chapter. “He carried his own low temperature always about with him.” In one instance where he is asked to donate money to help the poor, the wealthy Scrooge asks, “Aren’t there prisons? Aren’t there workhouses?” and then complains about the “surplus population.”

    It’s clear that Scrooge’s only concerns and core values in life are money and wealth. If it doesn’t help his profits or bottom line then he doesn’t care about it, especially the well-being of others which he claims is “none of his business.”

    The archetype of Scrooge is more relevant today than ever, especially in our corporatized world where rich elites isolate themselves from the rest of society while income inequality, crime, and economic woes continue to rise for the average person. Dickens observed early signs of increased materialism, narcissism, and greed almost two hundred years ago, but these unhealthy instincts have only grown rapidly since then. Social media has particularly warped people’s perceptions of wealth, status, and fame, which has in turn blinded us to many other important values in life.

    In many cases people like Scrooge live lonely and miserable lives until they die, clinging to their money as they are lowered into their graves. However the story of “A Christmas Carol” provides hope and inspiration that people can change their paths in life if they are given the necessary insight and wisdom.

    As the well-known tale goes, Scrooge is haunted by 3 benevolent spirits on consecutive nights (The Ghosts of Christmas Past, Present, and Future), each teaching him an essential lesson on what really matters in life.

    This breakdown of past, present, and future creates a complete picture of one’s life. It’s a powerful framework to spark self-growth in any person. Once we reevaluate where we’ve been, where we are, and where we want to go, we have a much clearer idea on what the right path forward is.

    Keep in mind you don’t need to be religious to reap the benefits of this story. Its lessons are universal. While there are supernatural and spiritual elements, the wisdom is real and tangible.

    Introduction: The Ghost of Marley

    Before Scrooge is visited by the three spirits, he encounters the ghost of his former business partner Marley who had died seven years ago.

    The ghost of Marley is shown to be in a type of purgatory, aimlessly roaming the town, entangled in many heavy chains with cash-boxes, keys, padlocks, ledgers, deeds, and heavy purses made out of steel, representing a lifetime of greed and selfishness:

      “I wear the chain I forged in life,” replied the Ghost. “I made it link by link, and yard by yard; I girded it on of my own free will, and of my own free will I wore it. Is its pattern strange to you?”

      “Or would you know,” pursued the Ghost, “the weight and length of the strong coil you bear yourself? It was full as heavy and as long as this, seven Christmas Eves ago. You have laboured on it, since. It is a ponderous chain!”

    The ghost lets Scrooge know that his actions have far-reaching consequences too. He will suffer a similar fate if he doesn’t change his ways, but there’s still hope for redemption! He then leaves, announcing to Scrooge that he will soon be visited by three spirits that will guide him to a better path.

    Marley’s ghost serves as a warning, but also a sign of hope.

    The Ghosts of the Past: Forgiving Your Former Self

    Scrooge’s first encounter is with the “Ghost of Christmas Past,” who serves as a poignant reminder that we must confront our history to understand our present.

    The Ghost of Christmas Past transports Scrooge through various memories he had as a child and young adult, showing his psychological development over time.

    The first scene brings Scrooge back to his childhood town, where he is immediately rushed with feelings of nostalgia, cheerfulness, and joy. These positive memories depict a very different Scrooge from present, revealing his once optimistic and hopeful disposition. What happened to him since?

    The memories begin to grow darker. Multiple scenes show Scrooge spending Christmas alone as a young child, one time being left by himself at boarding school while his friends were celebrating the holidays with family, and another time sitting solitarily by the fire reading. Scrooge begins to shed tears and show sympathy toward his former, abandoned self.

    One of the most pivotal memories is when young adult Scrooge is speaking with his past lover. She notices a fundamental change in him that has become a dealbreaker in their relationship.

      “You fear the world too much,” she answered, gently…”I have seen your nobler aspirations fall off one-by-one, until the master-passion, Gain, engrosses you…”

    She sees that money has become Scrooge’s God which he puts above all other values, including love. The young woman continues…

      “Our contract is an old one. It was made when we were both poor and content to be so, until, in good season, we could improve our worldly fortune by our patient industry. You are changed. When it was made, you were another man.”

    Here we begin to see Scrooge’s hardening into the man he is in the present.

    His pursuit of wealth as his main source of comfort and satisfaction has damaged his relationship beyond repair. The lover sees no other option but for them to go their separate ways. The memory deeply pains Scrooge and he cries out for the ghost to show him no more.

    In truth we are all a product of our past, including our environment and the choices we make in life. Scrooge has clearly gone through hardships and taken wrong turns that have influenced where he finds himself today; but it’s not too late.

    The Ghost of Christmas Past forced Scrooge to remember events that he had long forgotten, neglected, or ignored because they were too painful to think about. While these old memories cannot be altered, you have to accept your past, be honest with yourself, and forgive yourself if you want to learn, grow, and change for the better.

    One of the main lessons here is that you need to take responsibility for the past before you can take power over the future. Scrooge is suffering, but he’s learning.

    Making the Most of the Present: Opportunities for Joy and Kindness

    Scrooge’s next encounter is with the “Ghost of Christmas Present,” who teaches Scrooge all the opportunities for good that cross his path every single day.

    The spirit is colorfully dressed with holly, mistletoe, berries, turkeys, sausages, oysters, pies, puddings, fruit, and punch surrounding him, a representation of the simple pleasures in life we can all learn to appreciate, savor, and be grateful for.

    First, the Ghost of Christmas Present takes Scrooge for a walk outside in the town during Christmas Day, observing all the happiness, zest, and cheer overflowing through the streets. Everyone from all backgrounds is enjoying the festivities.

    When two people bump into each other and start a small fight, the ghost sprinkles a magical substance on them which instantly ends the argument and brings both back to a more joyful demeanor.

      “Once or twice when there were angry words between some dinner-carriers who had jostled each other, he shed a few drops of water on them, and their good humour was restored directly. For they said, it was a shame to quarrel upon Christmas Day. And so it was! God love it, so it was!”

    On Christmas, all fights are optional.

    The ghost then leads Scrooge to the home of Bob Cratchit, his current employee who he often treats poorly. Here Scrooge is introduced to Bob’s sick and disabled son Tiny Tim, who despite his illness is still excited to spend holiday time with the family. The poor family makes the most of the limited food and time they have together, including a fake “goose” dinner made out of apple sauce and mashed potatoes.

    Scrooge looks on in sympathy and wishes he could do more to help them. He asks the spirit about the current state of Tiny Tim’s health:

      “Spirit,” said Scrooge, with an interest he never felt before, “tell me if Tiny Tim will live.”

      “I see a vacant seat,” replied the Ghost, “in the poor chimney-corner, and a crutch without an owner, carefully preserved. If these shadows remain unaltered by the Future, the child will die.”

    In another scene, Scrooge is transported to the home of his sister’s family, the same party his nephew invited him to the previous day. Everyone in the household is enjoying the Christmas holiday while singing, dancing, and playing games. Several times Scrooge is brought up in conversation and everyone can only laugh and shrug at Scrooge’s relentless misery and gloom.

      “A Merry Christmas and a Happy New Year to the old man, whatever he is!” said Scrooge’s nephew. “He wouldn’t take it from me, but may he have it nonetheless. Uncle Scrooge!”

    Scrooge knows that these events and perceptions by others are part of his own doing.

    At every turn, Scrooge denies taking advantage of daily opportunities for happiness, including rejecting a group of children singing carols, responding rudely to acquaintances (“Bah humbug!”), and refusing to give to charities or help others when it’s fully in his power.

    These events are small, but they build up over time. Whenever Scrooge is given a choice between kindness vs. coldness, he chooses to be cold. After enough tiny social interactions, Scrooge has cemented his reputation around town as being the miserable miser.

    Can he still change it?

    The Shadows of the Future: Shaping Tomorrow Today

    The final spirit Scrooge meets is the “Ghost of Christmas Yet to Come” or the “Ghost of Christmas Future.” This ghost blends in with the darkness of the night, wearing a long black robe that covers their entire face and body, except for a boney hand it uses to silently point.

    The ghost begins by showing men on the streets joking and laughing about someone who has just passed away. At a pawn shop, robbers are selling stolen property they recently seized from the dead man’s estate, saying it’s for the best since the items will no longer serve any use to him. Scrooge, perplexed by the meaning of these scenes, intently watches on. Another man jokes:

      “It’s likely to be a very cheap funeral, for upon my life I don’t know of anybody to go to it.”

    Scene by scene, people show ambivalence toward the death. Scrooge grows frustrated and asks:

      “If there is any person in the town who feels emotion caused by this man’s death, show that person to me. Spirit, I beseech you!”

    Now they see a family that was in debt to the dead man, and they are feeling humble gratitude and quiet glee that they no longer have to worry themselves about such an evil creditor:

      “Yes. Soften it as they would, their hearts were lighter. The children’s faces, hushed and clustered round to hear what they so little understood, were brighter; and it was a happier house for this man’s death! The only emotion that the Ghost could show him, caused by the event, was one of pleasure.”

    Already having suspicions on who this man is, Scrooge begs the ghost to finally reveal where his future lies. The ghost travels to a graveyard and points at a tombstone that upon inspection reads: Ebenezer Scrooge

    Scrooge’s heart sinks. Next it’s shown that Tiny Tim hasn’t recovered from his illness and has also passed away, and at such a young age. Feeling completely hopeless at this point, Scrooge desperately begs:

      “Answer me one question. Are these the shadows of the things that Will be, or are they shadows of things that May be, only?”

      “Men’s courses will foreshadow certain ends, to which, if persevered in, they must lead. But if the courses be departed from, the ends will change. Say it is thus with what you show me!”

    As long as you’re alive and breathing, you have the power to change.

    When we think about death, it puts everything about life into perspective. Our time is finite in this world and we must make the most of it without being distracted by trivialities and lesser values. If you were laying on your deathbed right now, what would your main regrets be?

    When Scrooge reflects on his own death and what influence he’d leave on the world, it shakes him at his core – but also transforms him.

    The Power of Redemption: Transforming Scrooge’s Tale into Our Own

    After the visitations of the three ghosts, Scrooge wakes up a changed man ready to start his new life. He rises from bed excited, hopeful, and giddy that he’s still alive and still has a chance to change his current course.

    Upon finding out it’s still Christmas Day, he buys a prize turkey to send to the Cratchit family and begins giving generous amounts of money to children and the poor. He continues to walk around the town square, giving everyone warm greetings and a hearty “Merry Christmas!”

    When he sees Bob Cratchit the next day at work, he immediately gives him a raise in salary and promises to take care of Tiny Tim and assist the family in anyway possible. He becomes a lifelong friend to the family.

    This sudden change in Scrooge’s behavior confused the townsfolk at first, including many who made fun of this rapid transformation that was so uncharacteristic of Scrooge. But these words and gossip didn’t bother him:

      “Some people laughed to see the alteration in him, but he let them laugh, and little heeded them; for he was wise enough to know that nothing ever happened on this globe, for good, at which some people did not have their fill of laughter[…] His own heart laughed: and that was quite enough for him.”

    At its core, “A Christmas Carol” is a story of redemption and heroism. Scrooge’s journey from miserly recluse to benevolent samaritan exemplifies the human capacity for change.

    By reflecting on his past, present, and future self, Scrooge discovered the best path forward – a process that applies to all forms of self-improvement.

    This story has insightful lessons that can apply to anyone’s life, no matter what situation they find themselves in. We can’t change the past chapters, but we can change how our story ends.

    Never forget you have the power to rewrite your life story at any time.


    Enter your email to stay updated on new articles in self improvement:

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    Steven Handel

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  • Clearlake and Insight reach $4.4B deal to take software maker Alteryx private | TechCrunch

    Clearlake and Insight reach $4.4B deal to take software maker Alteryx private | TechCrunch

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    Alteryx, an Irvine, California-based software company developing data science and analytics products, today announced that it’s agreed to be acquired by private equity firms Clearlake Capital Group and Insight Partners in a deal worth $4.4 billion.

    Clearlake and Insight reportedly beat out Symphony Technology Group, another private equity firm, which Reuters reported several days ago had been vying for Alteryx.

    The Clearlake-Insight deal, which includes debt, values Alteryx’s equity at around $3.46 billion, reports Reuters — a 29.1% premium over the company’s closing share price on Friday. It’s expected to close in the first half of 2024 subject to customary closing conditions and approvals.

    The immediate impact on Alteryx’s ~2,900 employees isn’t clear.

    “In addition to delivering significant and certain cash value to our stockholders, this transaction will provide increased working capital and industry expertise — and the flexibility as a private company,” Alteryx CEO Mark Anderson said in a statement. “Over the past several years, we’ve executed a comprehensive transformation strategy to enhance our go-to-market capabilities and establish a strong cloud and AI innovation roadmap. We’re excited to partner with Clearlake and Insight for the next stage of Alteryx’s journey.”

    SRC, the predecessor to Alteryx, was co-founded in 1997 by Dean Stoecker, Olivia Duane Adams and Ned Harding and initially focused on creating data engines for demographic-based mapping and reporting. In 2006, SRC released the software app Alteryx as a platform for building analytical processes and services. By 2011, SRC had changed its name to Alteryx, which by then had become its core product. 

    After raising tens of millions of dollars from VC firms including Toba Capital, Insight, Sapphire Ventures, ICONIQ Capital and Meritech Capital Partners, Alteryx went public on the NYSE in 2017.

    More recently, Alteryx transitioned to a subscription-focused business model — and greatly expanded its AI-powered feature offerings — as part of a strategy to tap into growing demand for data analytics services. According to the analyst firm Research and Markets, the big data analytics market could be worth $105.08 billion by 2027, up from $37.34 billion in 2018.

    Alteryx now counts more than 8,300 companies as its customers, including Coca-Cola, Vodafone, Walmart and Ford. In its coverage of the deal today, SiliconAngle notes that Alteryx generated $232 million in sales last fiscal quarter, up 8% from the same time a year ago, and that its annualized recurring revenue grew nearly three times as fast in the same time frame, jumping roughly 21% to $914 million.

    “When we founded Alteryx in 1997, we did so with a vision for the future of data science and analytics. Today, Alteryx stands out as an industry leader with a differentiated platform that scales data democratization in a governed manner,” Stoecker said. “Our agreement with Clearlake and Insight validates the strength of our business and the value of Alteryx’s capabilities and innovation.”

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    Kyle Wiggers

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  • Podcast: Data analytics, automation | Bank Automation News

    Podcast: Data analytics, automation | Bank Automation News

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    Financial institutions can look to data analytics technology to better understand customer sentiment so they can drive organizational change. 

    Financial institutions are looking to utilize all available unstructured data from calls, emails and chat capabilities to understand customer needs, Global Head of Financial Services at Qualtrics Dmitry Binkevich tells Bank Automation News on this episode of “The Buzz” podcast. 

    The data integration platform gives financial institutions that insight into what clients need, he said. 

    For example, $5.3 billion Connexus Credit Union started using Qualtrics’ platform roughly five years ago to make decisions based on specific customer feedback, Craig Stancher, director of member experience at the Wausau, Wisc.-based credit union, told BAN. 

    “We needed a solution in place that would help us better understand what’s working and what’s maybe not working as well,” he added. Through Qualtrics, the credit union was able to implement automated customer surveys to provide immediate feedback from clients based on member experience.  

    Prior to Qualtrics, customer surveys were a manual process, with the platform in place the credit union is able to run six automated surveys each day saving the bank eight hours per day of work — equivalent to that of a full-time employee, Stancher said. 

    Qualtrics also worked with M&T Bank during its $7.6 billion acquisition of People’s United Financial to help M&T better understand client needs during the integration, Binkevich said. Additionally, the tech company helped insurance company Nationwide analyze contact center interactions to improve call quality. 

    Listen as Qualtric’s Binkevich discusses how FIs can use technology to drive change within their organizations based on applicable customer data. 

    The following is a transcript generated by AI technology that has been lightly edited but still contains errors.

    Whitney McDonald 0:03
    Hello and welcome to The Buzz, a bank automation news podcast. My name is Whitney McDonald and I’m the editor of bank automation News. Today is September 26 2023. Joining me to discuss data collection to make performance driven decisions is Dmitry Binkevich of Qualtrics. Throughout his career, Dimitri spent time at banks, including Citi, and Barclays focused on business development and strategy. Please join me in welcoming Dimitri.Dmitry Binkevich 0:29
    Very nice to be here Dmitry Binkevich, I lead the financial services industry practice here at Qualtrics. Globally, have been with the company for coming up on two years. Prior to that, I spent my entire career close to 20 years in financial services in a variety of roles both within financial services players, like Barclays and city and insurance companies, as well as as an advisor, as a consultant as an investment banker, serving the industry. So my approach to the industry as well as to experience management overall, generally begins with the business problems, right? What business problems can we help our customers solve? And at the end of the day, how can we make them either make more money, or spend less money. So generally, our objective is help our customers move their financial and operational outcomes, using experience and everything around it as a lever. Right, which is, which is a nice segue into into Qualtrics. And in general, the Qualtrics position in the financial services industry, our goal at Qualtrics is to make experience a little bit more human to make business a little bit more human. And so that’s what we help companies do. We help companies solicit feedback, which is, you know, your typical survey, right? When you think experience management, probably surveys, the first thing that comes to mind. But then we also help companies ensure that they’re listening into the conversations that are happening with and about the company, right? So whether it’s a phone call, or an email, or a chat or social media, right, there’s a variety of sources that customers can try to can can use to try to connect with a company or just opine about the company something like 85 to 90% of all customer feedback, data is what we call in, in the lingo unstructured, right. So it is not a survey data set, it is just a customer talking or posting or whatnot. And if the if our clients, the financial services, businesses are not listening to that, then they’re missing kind of, you know, nine tenths of all of the possible information. So Qualtrics serves the financial services industry top to bottom right, we cover all of the verticals, we serve over 1300 financial services clients, with, you know, probably 90 out of the top 100 financial institutions globally, right. So very, very rich data set, very rich client list, and they partner with us, because at the end of the day, we help them deliver business results, right? It definitely begins with customer satisfaction, right? But then we can help them deliver better business results, right customer satisfaction tends to result for example, in lower churn, higher cross sell higher revenue, other parts of our platform can help our customers lower cost, right lower cost of serve, whether it’s you know, increasing the amount of interactions that take place via, for example, an automated chatbot or reducing the number of calls into the contact center where a customer is actually doing things by themselves on digital. And finally, we help our customers manage their regulatory risk visa vie sort of complaints, obligations that are prevalent for banks in virtually every jurisdiction that we serve. In the US, you’ve got the CFPB as an example, in other countries, you’ve got the central banks, or security regulators. So we help our customers understand manage, and action, all of that. But our engagement and we’ll talk about you know, sort of the technology and the software later on in this conversation. We kind of it is our thesis that in order for our software to bring value, you don’t just need just sort of listen and under listen, understand, you need to act. And so when we work with customers, we partner with them to make sure that the entire organization is aligned on the value of what they’re doing that it is not just, you know, a CX team, out there in the corner, kind of doing their thing, you really do need the buy in of the entire organization in order to get somebody to do something differently. Our goal is to use the information and the insight that our platform brings to get our customers to do something differently to positively impact their business. So that’s a little bit about, you know, what we do and how we think about working with clients in the financial services industry. You

    Whitney McDonald 5:44
    know, I know you talked a little bit, you started getting into a little bit about the quantity of data that financial institutions have you talked through the ability to have that insight into that unstructured data in order to make those business decisions. Maybe you can set the scene here a little bit further about really the need for automating that approach to data to both increase the operation or enhance the operation side, improve the customer satisfaction ratings. Can you maybe talk us through a little bit about how Qualtrics plays a role in automating that data and the importance of having that type of solution to get into all of this robust information that fit is half?

    Dmitry Binkevich 6:27
    Yeah, absolutely. I mean, I think in order to do that, though, let’s think a little bit about how financial services experience and let’s begin on the consumer side, because that’s the easiest way to sort of frame it, how the Financial Services experience has changed. Right? If you go back, I mean, at this point, like 30, you know, even 30 years ago, right? Most of the Financial Services experiences that you had were in person, right? You went to a bank branch? Yes, you interacted with an ATM, but that’s a pretty, you know, inanimate object. But you talk to a teller, you talk to an insurance agent, right? If you needed something, you fax things, and you called right, so they were very big, they were person to person experiences, for the most part. If we fast forward to now, a lot of the experiences that we’ve got our, you know, person to person still exists. But I would venture to say that the majority of experiences in retail financial services are what I would call person to machine. Right. And so the person goes on the website, the majority of the transaction happens on the website. And so these journeys have fundamentally evolved and changed. And so has the expectations. So have the expectations of the consumers, right? consumer expectations are framed, but what by what they experienced in other sections of their lives, right. It’s the Google’s the Facebook’s, the Amazons, the Twitter’s, which is very personalized experiences, right? experiences that are not just I mean, it’s not even just personally, it’s almost like no me experience their predictive experiences, they know what I want, before I sort of realized that I want it, right. The gratification is instant, right? Because you know, you get the news, you click a button, et cetera. And it’s sort of very, very precise. And so for the financial institutions, to be able to deliver an experience like that, you really need a deep, deep understanding of your consumer desires, preferences, you know, thoughts and opinions. And in order to do that, you actually need a platform that listens in appropriate ways in every single interaction, where there’s person to person, person to machine and any kind of way, and not only listens, but sort of ties it all together, because the consumer thinks they’re interacting with the bank, while they might be interacting in reality, with a bank onboarding department, with the application department, with the service department, and then with the fulfillment department. But in order to succeed, and I would venture that every one of our clients is in the experience business, even though they think they are in banking, insurance and wealth management businesses. Right, in order to deliver those experiences, they need to understand consumer journeys, they may need to line up the listening posts in an appropriate way. For some it might be a survey, right? There’s always a place for solicited feedback. But if I just spent an hour on the phone, as an example, explaining in painful detail to my insurance company, what exactly happened in my accident? If somebody sends me a survey and says, Hey, how did that go? I’d be just like, well, I just spent an hour telling you exactly how that went. So please go ahead and listen to that. Right? Or if I’m on the website, and I’m frustrated, right. I sort of expect the company to be able to say, hey, looks like you’re frustrated. Maybe we didn’t do a great job, you know, building this page, how can we help do. And so what the Qualtrics platform does, it allows our clients to position listening posts along key journey nodes in the mode that is most appropriate for that journey for that node. And for that customer, structured, unstructured, Inferred behavioral, right. So everything from survey to call analytics to click analytics, right to session recording. And so, and on the back end, we ended up pulling all of that together and helping customers, our customers make sense of it. Because the important thing and experience management is not just the what, which is what I just described, it’s also the so what, right, as a, as a manager, as a leader in a financial services organization, if I’m just looking at like information or data, it’s overwhelming, right? What I really need is a needle in the haystack, so that I can figure out where to spend my limited resources to make sure that the results that I care about are moved. And that’s where the sort of the omni channel platform with a single back end, like Qualtrics, irrespective of sources really comes into its own.

    Whitney McDonald 11:18
    Now getting into the how I know that you said you’re linking into these different areas of the bank and making sure that you’re you have that tech in place, what does that look like? How do you really get into the the nitty gritty of the data on a tech on the tech side?

    Dmitry Binkevich 11:37
    Well, I mean, if you think about Reg, in any, if we take a typical bank, right, there’s a marketing tech stack, and like a marketing team, there’s an onboarding system and an onboarding team service system and a service team. And very often, these systems actually don’t Doctor each other, right? Banks are, and I’m going to use bank so as the most obvious example, but this applies to insurance and wealth managers and other customers that we serve. But companies typically don’t have these talking to each other very effectively. And so when we get into journey design, like you said, we really needed to figure out a way how do we plug into every single text, I can actually bring these things together. So Qualtrics is a SASS platform, right, from a technology perspective. And so the way we link into every single tech stack is via API’s in general, right, so the integration is generally quite easy. And we’ve got a series of over 150 pre built integrations with the most commonly used systems, you know, like a sales force or a dynamics on the CRM side, you know, Pegasystems, for example, you know, for actioning, you know, workday, for example, for ServiceNow, right for human resources, and ticketing. So, we’ve thought long and hard about how to make it as seamless as possible for Qualtrics, to be able to link into each individual ecosystem, not just to pull the data out right to be able to synthesize it, because we actually need the operational datasets to be able to contextualize the experiences, but also in order to help actioning. Right, if you think about it, not everybody at the enterprise needs Qualtrics on their desktop, right? The managers do, the leaders do. But if somebody’s working, for example, in Salesforce, and sort of, or in ServiceNow, in sort of processing tickets, we can ping our, we can trigger an alert or a ticket, for example, into ServiceNow, or Salesforce. So there’s no swivel chair for the frontline employees, right? They sit in the system that they’re in, they sort of are told what to do they go do it, they close out the ticket that goes back into the Qualtrics ecosystem for analysis. For management for leaders, we’ve got role based dashboards, right with the views that are specific to those roles and focused on the sowhat. Right, that, that those people need. But in general, we integrate via API’s. We have a deep, deep pre built set of integrations. And we’re always building more because we know that the ease of integration is one of the key hoops that we have to jump through if we’re gonna get our platform, you know, into our clients. tech stack.

    Whitney McDonald 14:36
    Yeah, thanks for talking through that integration. That’s really helpful. Another piece of the puzzle that you mentioned was the ability to predict right so you talked through Of course I’m I’m frustrated Didn’t you see throughout that transaction that I was frustrated? So talking through those predictive and analytics and I mean when you’re talking through anything, but especially bank to technology right now, you can’t really ignore AI. Where does artificial intelligence come in? Maybe you could talk to me through or talk through your use of AI here to benefit those financial institutions really get those predictive analytics into play?

    Dmitry Binkevich 15:15
    Sure, absolutely. The great thing is, is that Qualtrics has been on the AI or the machine learning bandwagon, you know, for the better part of the last decade and a half. Right? So many of our analytic capabilities have been enabled by AI, one of the, you know, specific ones, when we analyze unstructured data, for example, it’s a combination of sort of language models, but also AI, especially when it comes to what we call enrichments. Right? So if you think of the way that if we analyze a phone conversation, for example, or a phone conversation transcript, there’s a couple of layers of this analysis. First of all, what is that person actually saying in English? Right? So we have a natural language model that helps us or not an English actually, we’ve got, I think, over 20 languages that we sort of natively, natively ingest, but let’s say the conversation is in English. What is that person saying? in English? Right? What is the meaning of the words, including all of the nuances, right, when somebody says that, you know, the word sick, for example, like something is sick means very different, something very different from you know, I’m feeling sick, right, and you kind of need to catch those nuances. If you’re going to accurately understand what the person is saying, then you need to conceptualize it in context of the business, right. So if the person is going through banking, onboarding, there’s actually a very specific set of terms and banking, onboarding, right, that you need to understand in order to be able to deeply sort of get in order to get deep insight into why they’re having an issue. And finally, and this is really where the a lot of the AI investment comes in. We do emotion, intent and effort enrichments. So from the text, our AI platform is able to understand, how is this person feeling? Right? Are they angry? Are they confused? Right? Are they very happy? Are they very unhappy? Right? There’s a series of there’s a series of emotions that we’re able to ascribe using our AI engine, based on sort of the relative positioning of the words next to each other, and you know, et cetera. How hard was this to a person? Right? Like, as an example, if they say that your website is ugly? It’s definitely not a great statement. But it doesn’t indicate that they’re having a hard time. It just, you know, they find your website, aesthetically unpleasing. Right. And so, and then intent, what is this person trying to do? And when our clients see the output, it’s not just the understanding, right? Just the what, but also the overlay of how is this client feeling? What are they trying to do. And that is enormously helpful in creating the, what I call Nomi experiences. Because if I had an experience where I was really angry, in the contact center on one of the calls, or I typed in a very angry comment into a web survey, the next interaction that I have with this company, especially given the the single back end, what we call the customer ID, or customer directory, where every single experience gets written on to your customer record. So on my record, there would be, you know, what I said, how I felt, and a suggestion about what the person should do what the CSR should do about it, if I call next. So the next time I call, you know, the conversation doesn’t begin with, hey, please tell me your problem. It begins with, I see that you already spoke to us. And we’re very sorry, that we were not able to deliver the experience that you’ve expected, you know, I you know, haven’t evolved my management to be able to help you now, et cetera, et cetera. So which is as you can appreciate, is a world of difference in terms of how I feel about the brand, how likely I am to recommend the brand, how likely I am to buy from them again. Right? So that is just one small example of how we use AI inside of our platform, the other the other thing and I might be jumping ahead. There’s a lot of talk about AI and generative AI specifically to just sort of understand right understand and respond. Which to my earlier comment is really the what Leia, right, like, what is this person saying? How should I respond? The other way that we’re using AI is actually to try to get to the so what? Because in response to sort of this overwhelm of data, right, because every single conversation, every single thought is now sort of being analyzed, we’re investing in a couple of areas that will help the teams do their job better. And that is actually one big theme that we see in our application of AI, we’re not looking to replace teams, right? We’re looking to augment what these teams can do, right? Make them far more productive. So we’re looking to invest in summarization, right. So really be able to whether it’s video feedback, audio feedback, type, feedback, etc. Quick summary of what’s been said, Read the TLDR, so to speak, and tech speak. The second one is interactive analysis. And that is really cool. A lot of our dashboards right now are just like any dashboards, their data and they’re thoughtfully laid out, they will lead one to the conclusion of what’s important, what to do about it, etc. But we’re building capabilities that, and these are going to be released soon, that will enable you to basically type, Hey, what is the key theme in this data, right and have the AI on the background, do the analysis and give you sort of a thought of what you should pay attention to, right? If I care about customer churn, which parts of this data set, should I pay attention to right and have it. So it’s almost like having a very, very, very able assistant, that can help you with a lot of the drudgery. And then finally, semantic search, which is, and this is true for a lot of our research customers, people run project research projects, through the years and over multiple business lines. And often the left hand does not know what the right hand is doing. And so all of a sudden, you’re able to type in like, Hey, have we ever researched the propensity of, I don’t know, auto insurance customers to churn during price rises? And if the answer is yes, you will actually have that. Right. So imagine, like this, like having a magic library? It’s like, it’s almost like Hogwarts, right? Like you type in a query and sort of a magical answer comes out. So those are some of the forward looking AI applications that we’re working through.

    Whitney McDonald 22:35
    Yeah, that’s really exciting. And thanks so much for sharing what you guys are kind of looking through and having the works there. One thing I wanted to be sure to touch on was Qualtrics. In action, and example of a financial institution that you work with. That’s that’s benefiting from the technology and kind of talk me through where and how that’s all that’s all progressing?

    Dmitry Binkevich 23:00
    Yeah, no, absolutely. I would love to, I’ll talk you through with your permission. I’ll talk you through a couple one example. And there was a really interesting example of what we call cross exam, which is, you know, Qualtrics, obviously, does the customer experience employee experience, you know, brand experience experience across the entire 360 of the work. And for one of our customers for, for m&t Bank, we deployed both the CX, which is customer experience in E ex employee experience, and as they were going through the integration, so they bought people’s United Bank not that long ago. And bank integrations are fraught, in general, right, because they tend to lead to branch closures, they tend to lead to customer attrition, because it’s very difficult for customers to, you know, change, branches, interface, people, etc. And so what what m&t was able to do is, they were actually able to pull out drivers, I can speak to exactly what the drivers are, because that’s proprietary, but they were able to, to analyze e x and CX information jointly, right, and make sure that and what they found on some level intuitive, but that the satisfaction of the employees and the branches on how the employees felt about their job, their training, their environment, was very much related to how customers felt right about their experience with their new sort of owner with MMT. And so using that insight MMT was able to deliver, you know, targeted training targeted resources on both sides of that equation, right, both the employee side to make sure that they’re trained, enabled, rested, appreciated, etc. And on the customer side of that equation to make sure Have they had the information to make sure they have the extra help to make sure they had sort of an extra reach out to make them feel welcome when they were peoples United customers. So that was an amazing story of helping the bank really go through, I believe it may have been their biggest acquisition up to this point. And then another one we worked with, we worked with nationwide, a Nationwide Insurance Company to, to do sort of analytics of all of their data, including calls and what they were doing, it was super interesting. They were analyzing each call that came into the contact center using the platform that I just described. But not only that, they were actually scoring it on their bespoke rubric, right, they had a quality threshold that they sort of decided that every single interaction with nationwide should be of a certain quality. And so every call was analyzed and scored. Right, and based on the proprietary rubric, and what they did when the calls were not sort of up to par is fascinating. They call it proactive service recovery, they actually call the person back. And they say, Hey, we’re very sorry that you did not get the level of experience that you expect from nationwide, we’re committed to making it better. Let us work with you to make sure that your nationwide experience is outstanding. Right. So really, both from a from an experience perspective, right, you could think of an impact of that on something like an NPS on something like a renewal on something like churn. So those are two two really cool examples. I think that you know of how we work with customers and how we drive value.

    Whitney McDonald 27:00
    You’ve been listening to the buzz, a bank automation news podcast, please follow us on LinkedIn. And as a reminder, you can rate this podcast on your platform of choice. Thank you for your time, and be sure to visit us at Bank automation news.com For more automation news,

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    Whitney McDonald

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  • NASA Robot Sends One Of The Saddest Tweets I Have Ever Seen

    NASA Robot Sends One Of The Saddest Tweets I Have Ever Seen

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    Image for article titled NASA Robot Sends One Of The Saddest Tweets I Have Ever Seen

    Image: NASA

    InSight—or, less elegantly, the Interior Exploration using Seismic Investigations, Geodesy and Heat Transport mission—is a robot that NASA’s JPL (with help from the European Space Agency) sent to Mars back in 2018.

    It’s job was fairly simple. Or as simple as “a highly complex robot built on Earth then fired from a rocket into deep space then landed on another planet” can be, anyway. InSight put a seismometer on Mars and has sat around for the last four years reading and interpreting the data received from it, killing its time providing “accurate 3D models of the planet’s interior” and measuring “internal heat transfer using a heat probe called HP3 to study Mars’ early geological evolution”.

    A selfie taken by InSight back in 2018

    A selfie taken by InSight back in 2018
    Photo: NASA

    Aside from its main role, InSight has also been useful because it has a camera attached, allowing it to take some very nice photos of the surface of Mars. Its coolest achievement, however, at least for anyone not in the field of hardcore space science, is the fact that the robot was able—via vibrations detected on its solar panels—to record the sound of wind on Mars, which is the first time anyone had ever heard wind from another planet.

    Sounds of Mars: NASA’s InSight Senses Martian Wind

    So yeah, nice robot! But like any robot sent into space, InSight is running on a battery, and while solar panels and judicious use of its systems have helped prologue its life, the time is fast approaching where it runs out of juice for good and is forced to power down.

    This should be a routine matter. This is a machine, it’s going to stop working, we will all get on with our lives. But somebody at NASA had the bright/terrible idea to anthropomorphize InSight’s final days, and so instead of a press report saying “machine stopped working, it did neat stuff”, we have to read this:

    Excuse me. I just have some…Martian dust in my eye.

    I hope, one day soon, we ourselves are able to travel to Mars. And when we get there, I hope one of the first things we do is find InSight, and give it a hug.

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    Luke Plunkett

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  • Finastra launches digital banking insights app | Bank Automation News

    Finastra launches digital banking insights app | Bank Automation News

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    Finastra Digital Banking Insights, the tech provider’s newest application, launched last week to allow clients to better leverage data through machine learning and advanced analytics. The app, which is exclusively available to Finastra’s Fusion Digital Banking customers, leverages data that flows from the bank’s backend database through Finastra’s open platform FusionFabric.cloud and is then revealed […]

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    Whitney McDonald

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