What is the financial technology (FinTech)?

The National Digital Research Centre in Dublin, Ireland, defines financial technology as "innovation in financial services", adding that "the term has started to be used for broader applications of technology in the space – to front-end consumer products, to new entrants competing with existing players, and even to new paradigms such as Bitcoin".

FinTech refers to new solutions which demonstrate an incremental or radical / disruptive innovation development of applications, processes, products or business models in the financial services industry. These solutions can be differentiated in at least five areas.

First, the banking or insurance sector are distinguished as potential business sectors. Solutions for the insurance industry are often more specifically named "InsurTech".

Second, the solutions differ with regard to their supported business processes such as financial information, payments, investments, financing, advisory and cross-process support. An example is mobile payment solutions.

Third, the targeted customer segment distinguishes between retail, private and corporate banking as well as life and non-life insurance. An example is telematics-based insurance that calculates the fees based on customer behavior in the area of non-life insurance.

Fourth, the interaction form can either be business-to-business (B2B), business-to-consumer (B2C) or consumer-to-consumer (C2C). An example is a social trading solutions for C2C.

Fifth,the solutions vary with regard to their market position. Some, for example, provide complementary services such as personal finance management systems, others focus on competitive solutions such ase.g. peer-to-peer lending.

¿Que es la ingeniería social?

La ingeniería social, en el contexto de seguridad de la información, se refiere a la manipulación psicológica de las personas a través de la realización de acciones que permitan obtener información confidencial. Es un tipo de truco de confianza con el fin de recabar información de los competidores.
El término "ingeniería social" es un acto de manipulación psicológica que también se asocia con las ciencias sociales, pero su uso ha calado entre los profesionales de la seguridad informática y de la obtención de información.

What is social engineering?

Social engineering, in the context of information security, refers to psychological manipulation of people into performing actions or divulging confidential information. A type of confidence trick for the purpose of information gathering, fraud, or system access, it differs from a traditional "con" in that it is often one of many steps in a more complex fraud scheme.

The term "social engineering" as an act of psychological manipulation is also associated with the social sciences, but its usage has caught on among computer and information security professionals.

Companies use it to get information from its competitors.

Technology News. Noticias de tecnología

- Apple improves the MacBook with Intel's sixth-generation, improved graphics performance, ultrafast flash storage and a battery with up to 10 hours of battery life. Apple mejora la MacBook con procesadores Intel de sexta generación, rendimiento gráfico mejorado, almacenamiento flash ultrarrápido y una batería con hasta 10 horas de autonomía.

- The streaming service Netflix added 100 hours of video in the highest quality for subscribers. El servicio de streaming Netflix agregó 100 horas de video en la mayor calidad para los suscriptores premium lo podrán ver.

- Now Caption Bot (artificial intelligence Microsoft) says he feels bad when he sees Hitler. Sigue dando que hablar la inteligencia artificial de Microsoft, primero fue Tay, ahora CaptionBot dice que se siente mal cuando ve a Hitler.

-Zuckerberg said: Bots integrated into Messenger, social experiences with virtual reality and artificial intelligence soon on Facebook. Dice Zuckerberg: Bots integrados en Messenger, experiencias sociales con realidad virtual y más inteligencia artificial en la plataforma

Amazon wants to compete with Netflix. Amazon a punto de empezar a competir con Netflix

What is strategic planning?

Is an organization's process of defining its strategy, or direction, and making decisions on allocating its resources to pursue this strategy. It may also extend to control mechanisms for guiding the implementation of the strategy. Strategic planning became prominent in corporations during the 1960s and remains an important aspect of strategic management. It is executed by strategic planners or strategists, who involve many parties and research sources in their analysis of the organization and its relationship to the environment in which it competes.

Strategy has many definitions, but generally involves setting goals, determining actions to achieve the goals, and mobilizing resources to execute the actions. A strategy describes how the ends (goals) will be achieved by the means (resources). The senior leadership of an organization is generally tasked with determining strategy. Strategy can be planned (intended) or can be observed as a pattern of activity (emergent) as the organization adapts to its environment or competes.

What is the design thinking process?

The notion of design as a "way of thinking" in the sciences can be traced to Herbert A. Simon's 1969 book The Sciences of the Artificial,and in design engineering to Robert McKim's 1973 book Experiences in Visual Thinking. Peter Rowe's 1987 book Design Thinking, which described methods and approaches used by architects and urban planners, was a significant early usage of the term in the design research literature. Rolf Faste expanded on McKim's work at Stanford University in the 1980s and 1990s,teaching "design thinking as a method of creative action. Design thinking was adapted for business purposes by Faste's Stanford colleague David M. Kelley, who founded IDEO in 1991.Richard Buchanan's 1992 article "Wicked Problems in Design Thinking" expressed a broader view of design thinking as addressing intractable human concerns through design.

Design thinking is a formal method for practical, creative resolution of problems and creation of solutions, with the intent of an improved future result. In this regard it is a form of solution-based, or solution-focused thinking – starting with a goal (a better future situation) instead of solving a specific problem. By considering both present and future conditions and parameters of the problem, alternative solutions may be explored simultaneously.

Las tendencias tecnológicas más relevantes de 2016

Los drones y la realidad virtual están tomando auge a nivel mundial; esto contrasta con los otros negocios tecnológicos que están perdiendo valor.

Microsoft researchers offer 16 predictions for ’16

http://news.microsoft.com/features/from-ai-and-data-science-to-cryptography-microsoft-researchers-offer-16-predictions-for-16/?wt.mc_id=DX_48083

Mejores aplicaciones Android de 2015 en Google Play

Wunderlist– La mejor aplicación para hacer listas de tareas

TED ya disponible completamente en Español: Charlas inspiradoras directamente en tu móvil. TED– La aplicación oficial para estar al tanto de las célebres conferencias y charlas Swiftkey ahora hasta un 50% más rápido.

SwiftKey – Considerado por muchos el mejor teclado de terceros para Android

Lumosity – Un juego para entrenar nuestra memoria y atención Shazam, el identificador de canciones, añade integración con Google Play.

Shazam– Una de las aplicaciones para conocer títulos de canciones que más tiempo lleva con nosotros 

IFTTT llega a Android – La mejor opción sin lugar a dudas para automatizar nuestra vida digital. Básica para un buen blogero. Locket, la pantalla de bloqueo con noticias que nos ayuda a aprender inglés.

Locket – La pantalla de bloqueo con noticias que nos ayuda a aprender inglés

Timehop – Combina fotos y momentos del pasado para traernos buenas memorias

Yahoo News Digest – Un resumen de todas las noticias que debes conocer para estar al día. Muy interesante desde el cierre de Google News.

EyeEm- el gran Instagram desconocido que deberías probar