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About Aisha Javed

Blogger & Online Community Manager at Xorlogics with an excellent familiarity with various Internet resources, expresses a keen desire to learn/excel on Web Marketing for the benefit of the organization.

Internet of Objects Will Reach €250 Billion in 2020

BCG expects that by 2020, € 250 billion will be devoted to IoT technologies, products and services. Among the studies examining the adoption of new technologies and investments in the IoT sector, the recent market analysis of the Boston Consulting Group offers a whole new vision.

The total number of IOT connections is expected to grow from 6 billion in 2015 to 27 billion in 2025, an annual growth rate of 16%, according to Machina Research’s annual report.

The B2B market for the Internet of Things (IoT) is increasing day by day. Software-Hardware vendors, Service providers are all in competition to get the biggest market share. And to get the biggest piece of cake, every IOT provider’s concern is to know where are the growth opportunities?

 

Annual growth of at least 20% in the overall market

 

The two main sources of growth in the IoT market will be investment in services and applications. Here are the main points raised in the new BCG market study. Between 2015 and 2020, BCG expects revenues from all IoT sectors to grow at an annual rate of at least 20%. B2B customers are more focused on services, IoT analysis and applications, making them the fastest in terms of growth. By 2020, these layers will have captured more than 60% of the IoT growth. Moreover, each of these layers is expected to generate 60 billion euros of expenditure by 2020.

SERVICE AND IOT APPLICATIONS

 

The ten most valuable business cases for business leaders

 

To spend €250 billion in IoT,  companies need to know which IoT applications have the potential to deliver more value.

Study reveals that predictive maintenance, production optimaization and automatic inventory management are the three most commonly used cases that will drive the IoT market by 2020. Business leaders are wondering how the IoT can help their businesses increase customer satisfaction, improve service quality, support new business models and reduce costs.

With those above mentioned use cases, BCG conducted a thorough analysis. They found another ten most valuable uses include the ability to use sensors to predict when machines will need to be repaired, Self Optimising Production, Automated Inventory Management, Remote Patient Monitoring , Smart Meters, Activity Trackers, Distributed Generation and Storage, Fleet management, Connected Cars and Response to Demand. The following chart compares the ten use cases by expected level of spending until maturity.

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IOT SPENDING 2020

 

A more common digital transformation in companies that do not use technologies

 

By 2020, 50% of expenditures will be related to manufacturing, transportation, logistics and utilities. BCG predicts that IoT will have an even more transformative effect on non-technology-based industries. The success of this transformation depends heavily on secure, scalable, and reliable integration solutions, encompassing cloud systems and platforms.

Among the businesses to be monitored in this area, there is also more and more customers using real-time integration to connect existing ERPs, on-premises systems to cloud applications and platforms. This configuration allows for faster and more reliable operational performance.

IOT SPENDING BY INDUSTRY

 

Tech companies are becoming IoT suppliers

 

According to the BCG study, 40% of customers prefer to use traditional, existing and already well established software to implement their IoT solutions. This represents a challenge for large industrial companies whose future depends on their ability to transit to IoT suppliers. For example, General Electric’s Predix platform is an end-to-end industrial operating system to help its customers increase their operational efficiency. GE has made it clear that it is considering becoming a world leader in industrial IoT (IIoT) and being a major supplier to the IoT market.

Siemens is positioning itself in a similar strategy with its MindSphere platform. Azure IoT Suite from Microsoft, SAP Cloud HANA, Cloud IBM Watson and Cisco IoT System are examples of companies that redefine their business models as IoT providers. Device manufacturers such as Bosch and Intel are reinforcing to offer complementary hardware and operating systems to consolidate the IoT ecosystem of customers.

Today’s IoT customers are looking for end-to-end solutions. IOT vendors can only be successful if the connected things, communications, backbone, and security layers work seamlessly with the top layers. IoT providers don’t necessarily have to master all the components within the technology stack, but it is essential to takes into account the customer’s desire for an end-to-end solution.

Contactless / Mobile Payment Statistics in Belgium

Mobile Payments soar as Europe embraces new ways to pay. Not only Europe but worldwide countries are adapting numerous innovative and alternative payment methods, such as Contactless payment, Apple Pay and Samsung Pay. These innovative payments methods are gaining huge success. In Belgium, for example, contactless payment is attracting more and more consumers. Worldline 2016 report shows that Belgians are paying less with cash, and are using their card even for transactions between 1€-10€.

 

When looking at the top ten countries in Europe where mobile payments are most dominant, we have 2 categories, developing markets such as Turkey and Romania, which have been leaving traditional payment methods behind to adopt new technologies faster; and developed markets – particularly the Nordics – which are evolving to new technologies at differing paces. In the UK, nearly three-quarters (74%) of the people surveyed are Mobile Payments users, and in Belgium it’s 75%.
mobile payments

The research also shows that mobile banking activity is increasing across all age groups. For the first time, more than half of European respondents in all age brackets are using mobile banking. With a growth rate of 33%, the highest growth rate is the 55-64 year olds, while profiles between 18-34 have a growth rate of 24%.
Mobile Payment Europe

 

It’s in 2014 that Mastercard Belgium has revealed contactless payment system that allows smartphone users to make payments using their NFC equipped devices, smartphone or with smart watch, as this highly protected technology can be installed everywhere. And by the end of 2016, nearly one billion transactions of this type were booked by VISA and Mastercard.

Banks, such as, BNP Paribas Fortis, ING, Belfius, Beobank have decided to join this development and have already offered Bancontact debit card, Maestro, Visa and Mastercard cards equipped with NFC (Near Field Communication) to their clients.

 

With all transactions together, Worldline recorded a 10% increase in payments by credit card: Belgians paid 1.96 billion euros by Bancontact debit or credit card in 2016. This is 160 million more than in 2015. Of these payments, 71% come from a Bancontact card. On the other hand, Belgium is far behind in the area of ​​contactless payment. Even if banks are offering cards adapted to this system, as a result, less than 3% of transactions are recorded via this new system, much less than in the Netherlands, where 25% of electronic payments are made with a contactless card.

 

Belgium is really at the beginning of this system, so we do not doubt that the percentage of contactless payments in Belgium will increase over the years. At present, half of Worldline’s customer outlets are equipped with contactless terminals. And 90% should be by the end of the year, predicted Christophe Zehnacker, Head of Strategic Digital Partnerships at MasterCard. The goal of Worldline is to equip all of its customers with these new generation machines. Waiting for the arrival of the payment by smartphone, always via these terminals. However, training of consumers and vendors in this practice still needs to be done.

 

Apple Pay and Android Pay in Belgium

 

Although mobile payments have been an established trend for the past five years, they haven’t really come out on top. Its only in 2016 that smartphone payments became a reality. Whereas mobile payments have always been a fascinating topic, 2017 is set to be a defining year for their providers in Belgium.

 
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From the moment the software allowing contactless transactions is activated in the terminal, it also works for smartphones or other devices equipped with NFC technology. Today, it is already possible to pay without introducing our card into the reader. The contactless payment system via a smartphone is now functional in Belgium on via Android pay. A transaction of less than 25 euros does not require any confirmation of pin code.

 

According to Christophe Zehnacker, the applications of contactless technology are very numerous. In London, for example, you can use your bank card or other NFC connected device to take public transport without having to bring a physical ticket. At the end of the day, an average of trips is then made to determine the most advantageous price to pay for them. This possibility should spread abroad and discussions are under way to implement it in Belgium.

 

Apple Pay:

 

Apple Pay is a contactless mobile payment system that was launched in October 2014. It relies on a transaction security system, preventing the cardholder from entering data related to it (PIN code, cryptogram) reinforced by the use of fingerprint authentication specific to the iPhone 6 and plus. It allows to make secure purchases in stores, in apps, and on the web and send and receive money from friends and family right in Messages.

 

Apple has to negotiate with the local merchants and banks in each country to impose his service out of United States. The process of spreading the Apple Pay system abroad is similar to a marathon since the Californian manufacturer has to face a specific banking and market context for each country. Negotiations with banks are likely to drag on, delaying the launch of Apple’s service for example in Belgium. In fact, no information seems to confirm the installation of this service in the near or distant future in Belgium. However, with the arrival of Android Pay, Apple could react by letting its Belgian users benefit from its mobile payment service asap.

 

Android Pay:

 

You already use your phone for just about everything. Now you can pay with it, too. Just add your credit, debit, loyalty, and gift cards to Android Pay, and start shopping in stores, in apps, and online. To be able to use this method of payment, it is necessary to have an Android smartphone which embeds a recent version of this operating system (at least KitKat 4.4+) and an NFC chip (in order to make a contactless payment). If so, simply install the Android Pay app and bind the credit card in question (via a simplified SMS authentication process). Then, to pay, simply approach your smartphone from a payment terminal where appears the symbol without contact and the trick is played.

 

In march 2017, contactless payment via smartphone has been introduced in Belgium. While Belfius was the first bank to say that its customers would have access to contactless payment from April, BNP Paribas Fortis was first to react. As of today, BNPPF customers, including those of Fintro and Hello Bank, – who hold a Visa credit card or a MasterCard (about 250,000 people) – can pay for their purchases via Android Pay. This possibility will surely extend later to the holders of a debit card (more than 750,000 customers).

 

According to BNPPF, more than 85,000 payment terminals already allow this type of payment in Belgium, both for small retailers and major brands such as Carrefour, Delivroo, H & M, McDonald’s, Media Markt, Medi-market, Quick, Uber or Vueling. In addition, 3.2 million terminals in Europe are already compatible with this payment solution.

NFC Contactless Payment – PCI / EMV Security Standards

Contactless payments, thanks to their ease of use, are becoming part of our everyday lives. Digital payments comprised of online, mobile, and contactless cards are expected to hit $3,6 trillion in transactions globally this year. The global value of contactless payments is expected to hit $500 billion annually in 2017 from an expected $321 billion at the end of 2016.

 

 If today this trend is confirmed in an increasing number of debit, credit, and prepaid cards, their generalization is already programmed in mobile phones. More than that, mobile phones can contain the information of several contactless cards in a virtual “purse”. Before making a payment, it is up to you to choose the card that you prefer to use.

 

In this logic, most bank cards are equipped by default with an RFID / NFC chip that makes it possible to make payments without having to enter its PIN code but simply by approaching it to the payment terminal.

 

Security cards and concerns

 

Obviously, when we talk about payment and storage of sensitive information, security is an important factor. Therefore, contactless card payments have the same features as the traditional smart card and PIN code, and the transaction process takes place via the same secure networks. Contactless payments by mobile phone also benefit from comparable security features.

 

For additional security, your bank can set a limit on expenses that you can do without using a PIN, mobile code, or fingerprint for verification purposes. For transactions above this limit, you are asked to enter your PIN, and mobile code or use the fingerprint reader on your mobile phone. Although low-value contactless payments typically do not require a PIN to be entered on the payment terminal, you may be required to do so after a certain number of transactions to verify your identity and prevent fraud. Plus, European legislation limits the liability of the consumer to 150 euros in case of fraudulent or undesirable payments. This ceiling should be lowered by the end of January 2018. Consumers may even be better protected by national legislation. In addition, payment service providers can offer their customers better protection or even full protection in the case of fraud.

 

Together with all these precautions, you should always take the necessary steps to keep your PIN or mobile code and any other safety information in a safe place. Inutile to say that if your card or mobile phone is lost or stolen, you must notify your payment service provider (ie the bank or card issuer) as soon as possible.

 

PCI / EMV Regulatory and Security Standards

 

Here below are listed the PCI (payment card industry) and EMV (europay mastercard visa) Security Standards which are set to better protect merchants and buyers, in this digital age, from financial fraud.

 

a)      PCI / DSS Standard:  

 

Major international card organizations introduced the PCI DSS (Payment Card Industry Data Security Standard) in 2004 to enhance the security of card payments and protect traders and cardholders against data theft. This standard is constantly evolving to respond to threats, and its current version, 3.1, expires on 31/10/2016.

To comply with the standard, card processors, service providers, and merchants are required to comply with 12 requirements. The requirements are the same since the standard was created but are divided into sub-conditions that evolve with the versions. Click here for more details.

 

b)      The EMV standard

 

EMV (stands for Europay, Mastercard, Visa) is a technical standard that optimizes the security of card payments and data transfer. Data transfer and authentication intercede via the microprocessor of a chip. The debit and credit card data are stored twice: on the magnetic stripe and on the chip. If the payment terminal is equipped with a chip reader, authentication is done automatically via the EMV chip and not via the magnetic tape, which is now technically out of date.

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This standard has now been adopted by virtually all credit card organizations and implemented in more than 80 countries. While the EMV compatibility of cards has rapidly spread to Europe, it has taken much longer to become established in the United States. Credit card fraud has therefore become massively displaced, proof that this standard is indeed effective for security.

 

The EMV standard consists of 4 books, all of which contain specifications for chips used in payment systems:

• Book 1: interface requirements between the card and the terminal independent of the application.

• Book 2: security and management Key Features

• Book 3: Application Specifications

• Book 4: Cardholder, Attendant, and Acquirer Interface Requirements

 

The current version is 4.3 and was released in November 2011. While the EMV standard is virtually unchanged, which indicates its level of maturity, it is on the other hand extended by several others which are still fairly regularly updated. Click here for more details.

 

c)       The EMV Contactless Standard

 

This is an extension of the EMV standard, so it relies on all the specifications that make up the chip, and its specifications relate to the used terminals.

The EMV Contactless standard consists of 4 books:

 

• Book A: Architecture and general requirements

• Book B: Entry point

• Book C: Kernel 7 specifications

• Book D: EMV contactless communication protocol specifications

 

This standard brings together the NFC, which deals with how the devices communicate, and the EMV standard, which deals with how payment is made. It provides for the use of a card (equipped with NFC) or a smartphone. However, the case of using an NFC card does not entirely correspond to the definition of the contactless payment as set out in the introduction, since it recommends introducing the card into a terminal which communicates without contact with the reader responsible for performing the transaction (payment). In the EMV Contactless standard, communication is done in peer-to-peer mode.

 

d)      3D Secure

 

The 3D Secure (D for Domain) is also derived from the EMV, and has been made necessary to answer a problem with Internet payment on e-commerce sites. It addresses the problem of verifying that the person making the payment is the holder of the payment card.

•The client selects the type of card and communicate the card number, expiration, cryptogram

•The system verifies that the card is enrolled in 3D Secure

•If the card is accepted, the client is redirected to the site of his bank which sends him a code to validate his purchase

•The system records (for the log sent to the e-merchant)

NB: If this standard does not concern contactless payment, its presentation is interesting in the context of online shopping.

#NFC-Technology: Discover the Value of NFC Application For Your #InternetOfThings

Smartphone is increasingly present in our environment. For many of us, it wakes us up in the morning, allows us to know how to dress after checking the weather, accompanies us in transportation, allows us to stay in touch with real world and many other activities related to each of us. In addition to that we are purchasing more and more products and services with our smartphones and our interaction is growing with our environment, home, car or city. And as you know, all this carries the generic name of IOT.

 

With performing all the previously mentioned activities, we leave our traces on the Internet. We leave information on different social medias. Only with the simple use of Gmail, free for the user, we give authorization to Google to use the information contained in our emails. By comments on blogs, on Amazon, on TripAdvisor, on Twitter, pictures on Flicker or Instagram, we therefore share much more information than we think, again, more or less voluntarily, and all this is enriching databases under the generic term of big data. This information is making the economic happiness of many companies, the first being Google, Apple or Amazon. This IOT is mainly an Internet of the data, we give our data that is recovered and exploited by others.

 

As more things are getting connected, concerns over data privacy and security are growing. Using NFC as a communication method can help resolve some of these concerns.

 

This is where the NFC comes in.

 

NFC (=Near Field Communication) technology was born thanks to the coupling of RFID (Radio Frequency Identification Technology) with smart cards. RFID is a contactless identification system that has been used for a long time for traceability purposes. It enables simplified transactions, data exchange, pairing, wireless connections and convenience between two objects when in close proximity to one another (about 10 centimeters). Because the communication is one-to-one and requires such close proximity, data privacy is more inherent that with other wireless approaches.

 

The choice of NFC technology on mobile phones is guided by several motivations related to the consumer use of the mobile phone at the present time and by various types of NFC applications conceivable in the field of mobile banking, creative marketing, health. Indeed, in recent years the integration of several technologies (4G, 4G+ networks, GPS, NFC, etc.) into the mobile phone has transformed it into a multiservice tool that cannot be ignored in our daily lives.

 

Today, NFC technology is gaining interest from manufacturers, particularly those in the telephony, IOT and sensors sector, who have integrated it into many consumer Smartphones. There are many applications ranging from electronic payment to time-stamping and localization.

 

Communication Modes of NFC:

 

NFC has 3 communication modes: Card emulation mode, The reader mode and Peer-to-Peer.

Card emulation mode: In this mode, any NFC enable device, can be used to make transactions instead of using any contactless card. In the case where the NFC enable device is a compatible mobile phone, the SIM card of the operator can be used as a security element by storing encrypted information. There are many different sort of card-type applications, such as, contactless payments, identification card, loyalty card, access control, motel pass cards etc.

 

The reader mode : The mobile terminal becomes a contactless card reader (active mode) or “radio labels” (electronic tags). This mode allows you to read information from various NFC-enables smart objects, only by approaching your mobile phone in front of electronic tags placed on the street, on bus shelters, monuments, posters … or on packages, products = smart advertising. Not only reading but it’s also possible to write information to these smart information sources using the right NFC enabled device.

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Peer-to-Peer Mode: This mode allows two NFC enabled devices to exchange information, such as vCards, photos, videos, tickets, etc. A device with NFC technology is capable of exchanging information with contactless smart cards but also with other devices equipped with this technology. In peer-to-peer mode, one of reader/writer behaves as a tag, creating a communication link. Using NFC in this mode is equal to having a secure network in your pocket that you can use in any location with peace of mind.

 

 

Study Case: Hotel Room Access

 

Let’s take a first mobile phone user, who usually travels and book hotels for his stay. This person has a SIM card in which an NFC application is installed. His mobile operator, in Belgium, told him that he could access NFC devices thanks to his SIM card because it has a SIM-Centric technology.

 

Our user thus travels on business in different regions of Belgium. The hotels in which he stays ask him to pass his phone in front of a terminal in order to obtain a digital key. So, his phone can be used as a key.

Afterwards, our user goes to a conference in Germany and also wants to check-in in a hotel room. At the time of registration, the reader accepts his SIM card but informs him that his operator will charge him a fee due to this service outside Belgium.

 

Upon returning from the conference, the user asks his operator to change the billing-plan so that he does not have to pay any fees in the future and the operator tells him that this is impossible because at the moment the service costs the operator.

 

In another case our user could book his hotel room online. He would then receive on his mobile phone an electronic key that would be valid throughout the stay and that, when used with the NFC chip and the appropriate application, would allow him to access his room by presenting the mobile in front of the door equipped with an NFC reader.

 

The Clarion Hotel in Stockholm, helped consumers to access directly their rooms and avoid queues by replacing all room keys in 2011 with digital keys for customers already equipped with NFC devices. Same approach for check-out, made with a simple touch between their phones and the lobby reader. 60% of users said they had saved more than ten minutes and 80% would use the system again if they had the opportunity while the hotel was able to reassign check-in staff while removing keys replacement problems.

 

Transport users already use their phones as boarding passes and we witness NFC payment systems in restaurants, taxis, shopping malls or distributors. In hospitals, offices, university campuses, we can use our phones to enter buildings, make purchases, use transportation and identify ourselves. NFC phones is even being used to provide physicians with access to your medical history.

 

Industry experts predict that the NFC will continue to revolutionize our lives in the years to come. Our daily checklist – “keys, wallet, phone” – is about to shorten. It will not take long before you see the functionality of these three objects integrated into an NFC compatible handset.

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#CloudComputing: Fix The Present Before You Plan The Future

Cloud computing is leading to a major transformation in the terms of digital technology by companies in all economic sectors. The associated challenges relate not only to activity and job creation among digital players, but also to a competitive gain that can be realized by all user companies.

 

The cloud computing model consists of providing remote and on-demand computing resources, infrastructure, platforms or application software. The advantages in terms of cost reduction and ease of access lead to this rapid adoption, which results in a gradual but decisive change in the information systems, activities and related markets.

 

However, complexity and lack of integration is slowing down companies’ adoption of the cloud, according to a study conducted by Oracle on the EMEA area. The wide gap between central IT and the rest of the organization is directing many companies towards a bad approach of the cloud.

 

While many European companies are adopting the Cloud Computing, nearly half of them are facing difficulties due to increased integration costs and data storage. One of the main reasons for this situation is that more than 60% of a company’s total IT spending is now directly managed by the different business units, instead of IT department, which prevents companies from benefiting from cloud services to which they subscribe to. To avoid these problems, IT department must be the one responsible for providing the funds to keep other departments running. Because the budget is an important tool for identifying and executing the IT initiatives that are crucial to each department, therefore it should be well discussed between IT department together with CIOs.

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Study also revealed that organizations continue to finance their IT investments without taking into account potential revenue and innovative projects: 2/3 decision-makers claim that funding their IT is too traditional and penalizes innovation, and 1/3 decision-maker admit that the IT funding models of their organization are hindering IT innovation. As IT budget can be divided across various categories, depending on the complexity and sophistication of your company/department and its structure, it must reflect benefits of IT strategy. For example, if you’ve been communicating a strategy of migrating to the cloud and highlighting the operational savings, you should reflect those advantages and use them as justification for budget allotment.

 

Companies need to rethink their IT financing models and undertake a profound cultural transformation in order to fully exploit all the benefits of the cloud. 33% of respondents say that an inadequate model of IT funding is currently penalizing their business. 33% are also convinced that their company’s IT culture is insufficient for the cloud age. As a result, 72% of respondents say that a new cloud financing model will allow IT to offer more cloud services to the company, and 70% say it will allow the company to reduce its costs.

 

Problems that companies are facing in cloud computing adoption are less about technology but it’s about the difficulties of synchronization between the different business units. Managers of each department are increasingly making cloud purchasing decisions without involving the CIO or the IT department advice, especially because these purchases are very easy to make. So to be successful with digital business transformation and optimization, CIOs and leaders must brainstorm and communicate the strategy to allow IT spending and functional resource costs to be connected to business processes, outcomes and goals. By developing multiple views of the IT budget and resource allocations per department they can provide a better IT service supply on demand.

#Healthcare Sector – Center of #Cyberattack

HEALTHCARE CYBERATTACK

Nearly 90% of healthcare organizations have been hacked in the last two years. In addition, almost half of them have been exposed to cybercrime more than five times. In 2016, there was not a single week without data piracy or a cyber-attack targeting a health organization somewhere in the world. To be more precious, only during the first three months of 2016, several hospitals were attacked by ransomwares, mostly via blocked access to essential systems for weeks damaging more than 50000 patients records. In 2017, 150 countries were affected by ransom attacks. These number shows that healthcare sector is technically unprepared to combat cybercriminals’ tactics techniques and intrusion procedures.

 

Multiple Vulnerabilities:

Indeed, healthcare organizations are very attractive targets for cybercriminals because they collect, share and store large amounts of highly sensitive personal data, such as medical or banking information, data on insurance and many other details. They also use many connected devices, including highly specialized medical equipment, as well as computers for staff and a growing number of mobile devices. And that’s not to mention the vulnerabilities of medical devices, such as pacemakers or insulin pumps.

 

Intelligent reflections on high technology are currently under way. The problem lies in the fact that most people working in the health field focus primarily on the patient, which is totally normal as far they aren’t cybersecurity specialists. Moreover, like most end users, they are vulnerable to the same types of attacks by cybercriminals to steal information and cause operational damage in other sectors of the industry. However, it would seem, that the main difference is weakness of each sector. According to the findings of the Healthcare Information and Management Systems Society (HIMSS), too many organizations specialized in the field of health do not deploy even the most basic security solutions, such as malware protection tools, firewalls or very simple cryptographic solutions, which is the main cause of this problem.

 

In the other hand, many health organizations do not have to worry about the gaps, concerning cybersecurity, in their systems:

 

  • 86% installed tools against malware
  • 81% use firewalls
  • 64% encrypt the data being transferred and 59% encrypt the stored data
  • 57% deal with patch and vulnerability management
  • 52% installed a mobile device management tool
  • 41% use a Web security gateway and 37% use a security gateway for their email

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Everyone is suffering, and you?

 

No one is better informed about vulnerabilities in the IT systems of the Healthcare sector than cyber criminals themselves. In a black market filled with credit card information and stolen login credentials, medical records, which usually offer the almost complete profile of the individual to whom they belong, are a highly coveted source of enrichment. Even if the data were to lose market value, cybercriminals will continue to design ransomwares and malicious programs to encrypt important data and “hold them hostage” until the organization pays a ransom; no buyer is more willing to pay than the organization that owns this data and absolutely needs it.

 

Cybercriminals are not the only ones to be on the lookout; Wherever they are, health organizations are subject to data protection regulations. The objectives of the European Union’s General Data Protection Regulation (RGPD) to the Health Insurance Portability and Accountability Act (HIPAA) are virtually identical: to ensure the protection of sensitive credentials of all individuals.

 

Medical records are lucrative for a good reason: they usually contain data that remains valid for many years. Whether it is the date of birth, social security number, insurance information or banking data, medical records include all the elements criminals need to launch personalized phishing attacks, commit fraud and Identity theft, or simply monetize information. To obtain this data, they use malicious programs, phishing techniques, as well as malicious web sites, and exploit the vulnerabilities of hard disks and programs of health organizations.

 

Moreover, impaired data involve risks that go beyond financial fraud: they pose a real threat to the safety of the patient. Who are you dealing with? Is this the right medicine and the right dose? Who owns this MRI that I am reading? Is this patient on a diabetic diet? Is the data sharing of this patient secure? Who has access to this data, who can copy them on an external storage device, take them home on his laptop? Is the person I prescribe this prescription really the one she claims to be? Is this person truly a qualified physician or has he / she stolen the identifiers of another?

 

In this environment, protecting the authenticity of data, transactions, access and presence on all systems (and the devices connected to them) isn’t an easy task. As these threats continue to evolve, Healthcare organizations must take an equally agile approach to cybersecurity. A solution based on access to the latest information on threats and available in the Cloud can help them keep abreast of developments in cybercrime techniques. Automatic learning combined with optimal human expertise can certainly help healthcare organizations to anticipate, prevent, detect and respond quickly and appropriately to threats.

 

Piracy, Malicious Attacks and Phishing attacks

 

Criminal attacks are the main cause of data piracy in the health sector and account for 50% of cases. In the course of 2016, a significant number of unwanted e-mails with attachments and malicious links were recorded. Spam and phishing are particularly noteworthy because they are one of the most common and simple ways cybercriminals use to launch attacks and access systems, steal information, or run ransomwares.

 

Healthcare organizations must protect sensitive patient data and business applications from the threats they face. It is preferable for healthcare organizations to adopt an agile approach to cybersecurity that allows them to use the most up-to-date information on threats rather than relying on the widely used traditional techniques for which cybercriminals have developed solutions.

#CyberCrime: Is your #ECommerce Secure enough for Growth?

Advances in technology, logistics, payments, coupled with increasing internet and mobile access have created more than US $1.9 trillion global online shopping arena, where millions of consumers no longer ‘go’ shopping, but literally ‘are’ shopping, at every moment and everywhere via different devices.

The development of each e-commerce business relies heavily on the user experience. But what happens when technologies that aim to optimize this experience can also be the reason of cybercrime?

 

More and more economic sectors are transforming by technology and e-commerce. Improved customer experience, simplified supplier relationships, development of digital marketing operations, disruption of sales techniques are the benefits of these new technologies. While vendors have enthusiastically embraced new technologies, they have been less responsive to cybersecurity:

 

  • 55% say they haven’t invested in this area in the last 12 months
  • 69% of European traders say they have been targeted by cyber attacks
  • 53% of all retail fraud, in the UK, occurs online and represent an overall loss amounting to 100£ million

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When we look at those high level cyber-attacks of companies such as, Target and Home Depot, which have allowed more than 100 million customer records to be hijacked, or we look at #Wannacry worldwide #CyberAttack which infected more than 230000 computer over 150 countries,  it’s very easy to understand why customer’s trust can be affected.

 

  • 19% of consumers say they are willing to stop buying from a cyber-attacked vendor
  • 33% say they would avoid buying from a seller who had been hacked in the last three months for fear of exposing their personal data.

 

Clearly cybercrime does not only affect the perception of clients; E-commerce companies are among the most affected players in recovering from a cyber-attack or an infraction: a study indicates that they need 33 hours to solve problems caused by piracy, 26% reported delays with their customers, and 93% of attacks had affected their ability to function.

 

The same statistics also indicate that cybersecurity is only beneficial to organizations. It’s an element of differentiation, which protects technologies and preserves the continuity of activities. To combat cyber threats, e-traders must be as skilled as cybercriminals. Therefore, #CyberSecurity needs to be integrated at the beginning of any innovation or transformation processes, not added on later. Proper integration into your strategy from the beginning can help you turn your cyber risk into opportunity. Plus, cyber security solutions that can evolve and adapt while leveraging the latest information on threats are essential. However, given the number of channels to be protected, it is important that cybersecurity remains simple, does not create heavy administrative tasks and does not lose sight of the essential: business!

 

Size doesn’t matter!

 

Many small and medium-sized enterprises mistakenly think they are not a target for cybercriminals. The reality is quite different: not only they do have attractive data for criminals, but they are also known for the weakness of their security solutions, making them easy prey:

 

  • 43% of cyber-attacks target small businesses
  • 60% of small businesses go bankrupt within six months of a cyber attack
  • 48% of security violations are due to malicious actions

 

Online commerce is based entirely on customer’s trust. Customers want a more personalized service and a reward for their loyalty. Relationships with suppliers are built on trust and data sharing protection. With loyalty programs merchants of all sizes collect, share and store large amounts of sensitive information such as payment information, supplier contact information and pricing data. This information is stored and shared through devices connected to a network and technologies such as the Internet, mail servers, tablets and smartphones. Associated with the details of a payment card, it is the type of information that strongly attracts cybercriminals:

 

  • Names, addresses, birthdates, phone numbers, e-mail addresses, identifiers, and product preferences gathered within loyalty programs provide valuable data for phishing and identity theft.
  • Billing and pricing information, as well as vendor payment information, may be stolen or exploited for phishing attacks.
  • Connection information about vendors and other third parties can be a very interesting “backdoor” for cybercriminals seeking to attack companies that work with yours.

 

To obtain this data, cybercriminals use malicious programs, phishing techniques, malicious websites and vulnerabilities in the most common programs. For cybercriminals seeking to steal money as quickly as possible, ransomware and DDoS attacks exploit the value your company places on data and operations by keeping them hostage and offline till you pay the ransom fee. In this environment, protecting the availability of systems has never been so difficult.

 

True Cyber Security for E-Commercials

 

It is illusory to think that we can prevent all cyber-attacks. In an environment where it is impossible to block everything, the way traders react to attacks is extremely important. E-retailers must ensure that phishing attacks, malicious programs, threats to mobile devices and cyber threats they face won’t impact their customers and the availability of their e-commerce site.

 

In situations where internal access to third-party websites, unauthorized devices and USB or none-secure devices, traders can adopt a proactive multi-layer approach to cybersecurity. Such positioning allows to overcome the risk of data loss, fraud and downtime that could compromise sales, customer confidence and reputation.

 

Cyber Security solutions for Business must be able to protects users from known, unknown, or advanced threats via multilevel technologies designed to block threats, regardless of the means used. Malware detection, cloud-based threat intelligence must be enforced by next-generation technologies such as artificial intelligence and machine learning algorithms.

Chatbots – Trends and Opportunities in E-Commerce

Evolutions of #Ecommerce is nothing without #Chatbots, #ArtificialIntelligence and #MachineLearning. These notions represent the new technologies trends that increase the competitiveness of an e-commerce. By 2016, 9 out of 10 customers globally were using messaging to interact with companies. To remain competitive, e-commerce must adapt to the rapid evolution of digital technologies and the behavior of Internet users.

 

 

Statistics shows that average time saving per chatbot inquiry when compared with traditional call centers is 4+ minutes in chatbots for the banking & healthcare sectors. By 2022 $8 billion in cost savings is expected. Therefore, application leaders need to include bots in their mobile app strategies to get ahead of this trend.

 

The phenomenon of Chatbots should transform the relationship between companies and their customers and evolve it towards a personalized one-to-one relationship. Indeed, Chatbots technology comes at a time when with the rise of messaging apps, the way many of us use social media to share and interact is fundamentally changing. According to Business Insider report, 80% of businesses want chatbots by 2020.

 

Fact: statistics shows the number of global messaging apps users in the first Q1 of 2017 is increased of 17% compared to Q4 of 2016. Messenger, WhatsApp and WeChat are leading with 1.2 Billion monthly active users fallowing by Viber which has 889 million monthly active users. On next spot, we have Skype with 260 million users. Click here to know more stats.

 

The evolution of e-commerce applications (on-line ordering, on-demand service) is based mainly on the responsiveness and dynamism of Chatbots that adapt to the user-friendly environment. The integration of Chatbots to mobile applications will bring more user-friendliness and ergonomics. The companies will be able to respond to the user’s needs directly via the conversation without having them to change the application. According to Gartner chatbots will power 85% of all customer service interactions by the year 2020.

 

The Chatbots are positioning more and more in the lives of individuals. For e-commerce companies, chat bot presents these advantages:

  • Enhance the user experience: Virtual assistants are committed to improve the user experience on smartphones by providing them with practical information and by offering them the possibility to interact with their apps.
  • Set up a new chat channel: chatbots, mostly on messaging platforms, allows customers to place orders and follow them via a conversational interface.
  • Inform and facilitate access to information: The most intuitive feature is to use Chatbots as an enhanced search engine by helping the user to search and access the right information.
  • Guide: Chatbots accompany customers in their product choices by giving them personalized advice and responding to their questions.
  • Sell differently: Chatbots are able to search, plan, reserve and place orders from a single conversation.
  • Assisting and retaining Chatbots by using messaging platforms as an additional channel for customer relations, is an effective tool for keeping customers loyal to their orders.

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Chatbots, a phenomenon to follow closely

Chatbot services have enormous potential. But, as with any new technology, companies need to carefully consider what implementation challenges might come across. For example, they must not forget that with the use of Chatbots, they won’t have entire control over their client’s experience, so developing great services will be hard. As the number of chatbots is set to explode, how do they plan to ensure their stands out? What makes their service essential compared with their competitors?

There is also the challenge of to the point communication with a client. Customers will quickly turn away from chatbots that can’t comprehend straightforward questions. So companies must think how quickly can you shift customers to a human interaction?

As with all customer-facing technologies, privacy and security are critical. Security issues should be considered strictly while integrating a chatbot strategy. Customers won’t use services they don’t trust with their data.

 

While AI is gaining momentum and investment, chatbots are getting better with natural language and learning. This increasing facility has enabled better customer experiences, cost efficiencies and potential revenue increases within the e-commerce sphere. Chatbots are therefore a phenomenon to continue to follow closely. And Organizations wanting to deploy messenger chatbots, marketers and chatbot developers should consider compatibility, the consumers’ lifestyle and shopping preferences, for a successful implementation. Similarly, the consumers’ privacy concerns and resistance to intrusive mobile advertisement are important topics to be considered.

Everything You Should Know About #Chatbots

Innovation is everyone’s business … The growth of any organization is based on the innovations that they are able to bring to the industry. For now Bot’s revolution is on the march: Gartner predicts that by 2019, ¼ of households in developed countries will use a bot as a privileged interface for access to services at home (personal service, Food delivery …).

Everyone talks about chatbots … but what is a bot? Before explaining a bot, let’s begin by emphasizing the difference between bots and Artificial Intelligence which are two separate subjects. If they work well together, they are nevertheless two distinct things.

 

A bot is a program that automatically interacts with a user: the coffee machine is one, for example. When a button is pressed, it produces coffee mechanically. During a conversation, chat, messaging, in a community, anywhere … you can have bots that respond to a human in the place of a human. This concept that generates all the current buzz is now an essential force of the Customer Experience.  A multitude of learning and research technologies have been in existence for decades, enabling the bot to continue to learn and develop through the huge number of databases.

The idea of ​​today is that a bot can be inserted in a conversation in such way that one can no longer distinguish the bot from a human, by responding in the same way, for example, or by allowing the bot find relevant content in the sense that it will have drawn from the user’s sentences.

 

Artificial Intelligence affects everything that comes close to human behavior. Understanding language, being able to formulate sentences, to disseminate meaning and emotions through written and oral language are at the heart of Artificial Intelligence.

It also deals with the recognition of images and their interpretation: knowing how to recognize shapes, colors … In all fields of Artificial Intelligence’s application, the most useful for the bots are those that revolve around the Language: NLP (Natural Language Processing), which allows the bot to understand the user’s language and the NLG (Natural Language Generation), allowing the bot to express itself.

Very important for the bot too, machine learning ensures its learning from a knowledge base, upgraded from various sources, and allows it to optimize itself. In short, Artificial Intelligence is a tool in the service of a bot so that it becomes more and more efficient.

 

The integration of chatbots today is one of the key to the success of the digital client relationship

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At present, 55% of Internet users use instant messaging on a daily basis. For the thirties generation, webchat and social media are the first channels of contacts. Within five years, it is expected that up to 80% of our uses will be via conversational services.

Today, among the 5 applications most downloaded 4 are applications of instant messaging … The messaging is thus about to anticipate all the other channels of communication and the Chatbots open immense opportunities to enrich or reinvent the Customer experience: they are the natural extension of virtual assistants. In a context where developments are only accelerating, Chatbots are a new and more modern form of assistance to consumers.

The Virtual Assistant or Dynamic Frequently Asked Questions has appeared many years ago on websites. Some virtual assistants are very popular and part of the natural landscape: before Siri, Cortana and Google Now, there was already Lea at the SNCF, Laura at EDF, Lucie at SFR … and the Chatbot is none other than the deployment of this same assistance on every new platforms in which one should no longer hesitate to invest. Flexibility and experimentation are the only means to stay at the forefront of the digital market and to move ahead in a market that is constantly changing.

 

 

The chatbots: the next step in the evolution of our habits

 

It is necessary to design the bots not as a function in vogue to test but as a next step in the evolution of our habits of research and relationship. To do this, we must first understand our habits in order to develop bots adapted to them.

The robot must above all be relevant by all the high-performing tasks it can perform. Companies must think of the bot always according to the client’s journey: to identify when to involve the bot and to define its objective. The introduction of a bot involves first a study of the client’s problem: an examination of the context and the typology of the contact. Then, there are several essential steps when designing the bot itself: studying the point of contact, identifying what is inducing flux and analyzing the origin of the audience, and then working on the “design” of the bot. The development of bots opens up real opportunities to better serve the customer.

Conducted tests showed that 80% of users accepted a first level of automated responses. What matters is that the relay is established “without friction”. The bot simplifies the first level of contact for the agent by precisely qualifying and routing the request. The agent who will follow the conversation will be able to devote his expertise and his time to deal with more complex situations, to trigger specialized interfaces that will enrich the client’s journey, and to live a relationship around interest or passion client. Thanks to Artificial Intelligence and bots, which will be able to group the clients into thematic clusters, the agent will be able to offer advice tailored to several people at the same time, optimizing his time while organizing communities of customers. Our navigation habits and our uses are continually evolving. The bot and the messaging create a considerable added value in the quality of our future conversations .

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