25 minute read
Al Ahli Bank of Kuwait: The Future of Banking
The ABK constantly enhances its technology and adapts its processes and practises to drive 'Simpler Banking' Future of Banking
Laila Al-Qatami is the Chief Communications Officer at Al Ahli Bank of Kuwait (ABK). She was the Managing Director for the Sheikh Abdullah Al Salem Cultural Centre (ASCC) in Kuwait, one of the largest cultural complexes in the world. Laila has served in management across governments, financial institutions, and non-profit sectors. Prior to her appointment at ASCC, she oversaw Gulf Bank - Kuwait's external relations and corporate social responsibility. Speaking to International Fianance, she shared the journey of Al Ahli Bank over the years.
Can you tell us about the state of play and elaborate on the banking landscape in Kuwait?
The banking sector is a cornerstone of Kuwait’s economy and has played a pivotal role in building the country’s reputation as a financial and commercial centre in the Middle East. Directly reflecting the diversity of the domestic financial landscape, ABK is one of ten
banks (five conventional and five Islamic) in operation within the country. In addition, the nation's banking sector is composed of more than nine foreign banks and a specialised bank. With a myriad of service provider options for the 4.2 million Kuwaiti citizens and residents to choose from, the domestic banking sector enables financial inclusion and empowers people and businesses to contribute to the growth of the national economy.
Guided by the leadership of the Central Bank of Kuwait (CBK), the official regulator of the state’s financial system, banks operating within Kuwait jointly offer a wide range of conventional banking services and products including loan facilitation, funds remittance, financial consultations, letters of credit and guarantees, effective foreign exchange and interest rate services, and more.
To ensure the financial sector’s stability within Kuwait, CBK launched a dedicated Financial Stability Office (FSO) to examine and report the latest developments in the financial sector, regionally, as well as globally. Based upon the department’s evaluations of the money market, foreign exchange market, capital markets (Kuwait Stock Exchange – Boursa Kuwait), and real estate market, FSO is capable of analysing a wide scope of factors and reporting on their direct and indirect implications for Kuwait’s banking sector and its key players.
ABK is one of many banks embracing new banking methods, as phygital (digital coupled with appropriate physical scale), digital-first and digital-only approaches to traditional banking methods begin to set the precedent for the future of the banking landscape globally. This includes digital payments, online transactions and mobile banking services, resulting in better customer service, acquisition and retention rates.
In further support of the drive toward digitization, CBK formally issued guidelines to establish digital banks within Kuwait in February of 2022. It has created a digital banking framework by studying the best practices of central banks and the experiences of digital banks around the globe.
How does ABK keep up with the shift towards digital banking, whether in branch networks or products and services?
During a period of worldwide uncertainties due to the COVID-19 pandemic, ABK witnessed first-hand how consumer preferences evolve in response to eventualities and external factors. The changing consumer needs and the shifts in their banking behaviour presented a vital opportunity for ABK to continuously innovate its offerings and build lasting relationships with our customers.
As a result of our ‘Digital First’ ethos, the Bank has strategically invested in numerous innovative services, including contactless digital banking services. Keeping customers’ needs at the core, ABK has curated products and services to deliver a simpler yet dynamic banking experience. For instance, ABK’s 'Global View' platform enables customers to manage multiple accounts across Kuwait, Egypt and the UAE through a single login point.
ABK’s Mobile and Online Banking channels deliver enhanced functionality to our increasingly sophisticated customers, enabling them to conduct remote transactions securely and swiftly.
Launching the ‘PIN Self-Generation’ service enables customers to generate new PINs for their recently issued cards within seconds at ABK ATMs. The Bank also reached a key milestone, upgrading its Interactive Voice Response (IVR) service and introducing voice biometrics and fraud detection functions on the ‘Ahlan Ahli’ call centre, adding a layer of security and safeguarding customers’ data security.
Furthermore, ABK was one of the first banks in Kuwait to integrate Automatic Speech Recognition (ASR) in both Arabic and English within its digital capabilities. This service reinforces our ‘Simpler Banking’ promise and eliminates the need to navigate extended IVR menus, enabling seamless navigation of the main menu and enhancing users’ experience.
Bolstering its existing digital reach and technological infrastructure, ABK has also pioneered a virtual banking assistant in Kuwait, an artificial intelligence-driven chatbot for account queries and service requests. This demonstrates our determination to provide the best digital banking experience to customers, powered by the most innovative technology for the financial sector.
How have consumer preferences changed since COVID-19?
The pandemic fundamentally impacted economic activity worldwide, with consumer behaviour shifting and new attitudes and values emerging. Aspects such as delays in loan repayment, lost revenue, decrease in bond value, and increasing demand for credit are a few factors that impacted the global banking sector. There was also an urgent need to shift to online platforms.
The Kuwaiti banking sector was no exception. Before
the pandemic, we saw a slow and steady shift to digital channels. However, the pandemic brought the future forward overnight. As a result of government-imposed lockdowns, most consumers adopted digital channels to shop, maintain relationships, and conduct transactions. According to a 2020 KPMG study, 70 of 82 government offices and independent agencies started accepting online payments due to the pandemic.
Overall, in 2021, global economies recovered from the depths of a pandemic-induced slowdown and we started to witness a rebound and the return of stability in Kuwait as well. Various factors such as pent-up customer demand, accommodative monetary policies and strong fiscal support have aided economic growth. The national economic outlook has taken a more optimistic turn, and Kuwait’s banking sector is well placed to grow, scale, and achieve new heights.
ABK has embarked on several innovative issues around customer experience. How did these, do you believe, help differentiate the Bank? How important are they to the Bank?
ABK differentiates itself from the competition with its unwavering philosophy of ‘Reimagining a Simpler Bank’ while keeping customers at the core of its operations. Customer experience and journey are of paramount importance to the Bank’s continued success.
ABK’s core values are centred on the customers’ interests by being open and transparent, prioritizing what is good for them, striving to make banking simpler, and pursuing excellence. We are proud to be recognized as one of the top three retail banks with the highest level of customer satisfaction by Service Hero in Kuwait.
Since the beginning of this year, the Bank has unveiled a suite of offerings that deliver on our ‘Simpler Banking’ promise and streamline customers’ banking journey. At ABK, our goal is to make every touchpoint in the customer’s journey as accessible as possible.
For instance, integrating the Automatic Speech Recognition service to 'Ahlan Ahli' in English and Arabic has enhanced the instant customer service experience using a seamless human-like conversational interface. In addition, the Bank’s virtual assistant, ‘Ask Sanad’, has reduced customer waiting periods and enables them to make transactions in the chat window of the mobile application.
To truly embrace digital transformation, banks must start from the back-end and look at their core. At ABK, we have established a new centralized operations unit that increases the speed of transactions and accuracy across
Laila Al-Qatami, Chief Communications Officer, Al Ahli Bank of Kuwait
the branch network. ABK has also successfully completed Phase I of a Proof of Concept (POC) Blockchain solution for the electronic 'Know Your Customer' (eKYC) feature.
To make customers’ lives easier, we have also installed Public Authority for Civil Information (PACI) kiosks at five branches to enable customers to create e-signatures on their Kuwait Mobile ID app. In addition to saving time, the benefits of integrating the e-signature service include document security, eradication of fraud and simplification of processes, enabling customers to sign documents electronically through any device, and limiting the need to visit a branch.
Our customers’ satisfaction and journey are entwined with and enhanced by our consistent investment in technology and digitization. This makes transactions simpler, more accessible, and convenient for customers who have adopted digital banking.
What sustainability initiatives are ABK currently undertaking?
Environmental sustainability has always been, and will continue to be, an extremely important consideration for our business. With our commitment to operating as a responsible corporate organization, ABK continuously implements policies and initiatives to utilize its resources most efficiently and reduce its carbon footprint.
ABK recognizes that companywide awareness is the first step to sustained change. In alignment with the United Nations’ Sustainable Development Goals (SDGs), ABK transparently assesses and reports the use of its resources and utilities, such as water and electricity, with the aim of comparing and lessening consumption year by year.
Taking the lead in sustainability in the Kuwaiti banking sector, ABK is active in the creation and implementation of measurable actions that have a positive impact on the environment. Our Facilities Management Division (FMD) is specifically dedicated to resource levelling, aiming at smoothing the stock of paper and equipment resources on hand, while reducing excess inventory, waste, and shortages.
Water efficiency remains a key priority within ABK’s sustainability efforts as well. Therefore, we ensure that in-premise facilities are equipped with water aerators, sensor taps for water basins and small capacity flush tanks intended to lessen overall water consumption. In addition to key infrastructure construction, our bank emphasizes corrective measures to manage its greenhouse gas (GHG) emissions, plastic consumption and electronic waste.
What steps are the banks taking to raise financial awareness in Kuwait?
ABK firmly believes in empowering people to effectively utilize their assets to meet their obligations, desires and aspirations for the future. In actualization of this belief, our bank prioritizes building customers' financial acumen.
While market trends forecast an increased usage of e-wallets, mobile banking, contactless payments and other omnichannel-related features regionally, ABK aims to increase the financial literacy and aptitude of all our customers. This helps avoid issues such as identity theft, phishing, skimming, and a range of malpractices at ATMs.
Our initiatives to raise customers’ awareness regarding their banking activity is in parallel action with ongoing government initiatives to reinforce customer rights and enhance their knowledge and understanding of banking products and services. To further safeguard these rights while improving public financial awareness, the Central Bank of Kuwait joined forces with Kuwait Banking Association (KBA) to launch the ‘Diraya’ (Let’s Be Aware) campaign.
Now in its second year, the Diraya campaign boosts public awareness of the banking sector’s role and how customers can use banks’ various services. The nationwide campaign sheds light on banks’ role as financial intermediaries, the importance of saving, the means to benefit from banks’ products, and customers’ rights when accessing consumer or housing financing. The campaign also addresses specific services provided to people with disabilities, grievance redress mechanisms, types of bank cards, and means to avoid scams and fraud. Serious issues such as loan encashment and high-risk investments are also covered.
ABK leverages all its communication channels to raise public awareness of the various themes under the campaign. The Bank follows a unique, interactive and diversified approach to communicating with followers on social media platforms. The approach encompasses banking tips, short descriptive videos, competitions, and top-notch social media community management by ABK staff.
How does Al Ahli Bank of Kuwait enhance the capabilities of its workforce and the banking sector?
ABK has continuously proven to be a key driver in enhancing the banking sector’s overall framework from technological advancement, employee development, and consumer empowerment. The Bank has invested significantly to create a workplace that encourages collaboration and holistic growth through its knowledgedriven approach. As we regard our employees as our most valuable asset, the Bank is committed to empowering its employees and developing their careers.
TECHNOLOGY
FEATURE
SOCIAL MEDIA TIKTOK DATA MINING
TikTok: Video addicts or data goldmine?
FEATURE TIKTOK
TikTok is the seventh most used social media platform in the world after Snapchat, Instagram, Whatsapp, YouTube and Facebook
IF CORRESPONDENT
TikTok has spawned countless trends and subcultures on a wide variety of topics. Videos featuring the Microsoft spreadsheet program Excel are among those to recently become hugely popular on the platform.
Although data programming and digit calculation may not seem like it would make for the flashiest clips, Excel TikTok tutorials and comedy sketches have amassed millions of views and morphed into an entire genre of content, with an array of influencers that spans languages and continents.
The TikTok hashtag "excel" has over 1.8 billion views in total, and some of the biggest TikTokers in the space have hundreds of thousands of followers, thanks to their videos featuring jokes about Excel and how-to guides.
How has TikTok become a medium of putting information? According to the Nobel
TECHNOLOGY
FEATURE
SOCIAL MEDIA TIKTOK DATA MINING
economics laureate Herbert Simon, in the world where information and entertainment is abundant, the critical scarce resource becomes attention and that is what makes the Chinese app so popular. Since attention is a finite resource competition, for companies like Facebook it becomes a zero-sum game. The more attention one attracts, the less there is for the others. And this is the area where TikTok appears to be easily winning.
Around 90% of its users visit the app more than once a day, and they spend an average of 52 minutes per day on it. According to Scott Galloway, the average session lasts 11 minutes, an average watcher can easily watch 26 videos, each lasting 25 seconds.
As TikTok receives millions of video rush daily, the threat of data mining is also increasing. There are various reports about TikTok privacy concerns, which has become a talk-point among various experts, questioning its security.
What is data mining?
Data mining means sorting information to gather facts about an entity or someone. Companies and individuals collect information on the internet for many reasons. One of them is to analyze customers' behavioral patterns to tailor content and ads more accurately.
As the name implies, you can think of data mining as an excavation or gold exploration process that seeks to find fossil deposit patterns. Data miners can extract data points on a subject from right about anywhere.
For instance, an app developer might decide to gather more information about you from other services on your devices. Consequently, they might use this to analyze your content-consuming behavior.
Here's the concept: data mining allows someone or an organization to place data points on you. Invariably, they know more about you and your pattern of living than you think in the long run. They can even predict how you might behave in the future.
Why should one be concerned?
It is no crime to gather facts about publicly available data. But when data mining occurs on deeper webs like TikTok, it might raise privacy concerns since users' details are typically exposed and monitored. And no one is sure how they use such information.
TikTok isn't the only privacy intruder. For instance, Facebook also has several privacy issues that you can avoid. And its activity has leaked users' data in many ways.
But TikTok's data mining saga isn't all about users' privacy leaks, it appears more twisted than that. Reports have flown around in the past about how the app's algorithm efficiently suppresses visibility for content containing specific keywords. Part of this is a fact contained in a 2019 report by The Washington Post detailing how TikTok's algorithm repressed keywords featuring the unrest in Hong Kong at the time.
Many users also complain about how TikTok prevents their content from reaching a larger audience despite having many followers. All these make it look like TikTok uses the mined data to somewhat recognize and distinguish between users based on their races, colors, disparities, and abilities to determine what they can post. The company seems desperate about how it collects and uses information.
What is more outrageous? A part of TikTok's privacy policy points out that although users can choose to share specific third-party data with them, they might collect this from those third-party apps automatically. Unfortunately, every user has to agree to this policy while registering on the app.
How and why does TikTok mine users' data?
There are two categories of users on TikTok; unregistered content consumers and registered content creators or watchers. TikTok mines data from you if one is under the second category. These include information from your TikTok profile and the content you post on the app. But as mentioned, it digs further into third-party apps on your device to grab further information. This is even imminent if you register your TikTok account via third-party apps.
Companies that mine data might sell them, and this isn't anything beyond what TikTok can do. Worse, it's even without users' consent. Experts also believe that TikTok might be spying on its teeming users. Though there's still no evidence to back this claim.
Is TikTok secure after all?
Whether or not TikTok is safe depends on
how you view its data mining processes. While data mining isn't a security issue itself, it can lead to data misuse. As you have seen, TikTok primarily uses the mined data to censor content and probably pick trails on its users.
Nonetheless, many third-party TikTok data harvesters take advantage of this intruding attribute of TikTok. It is unclear whether it partners with these third-party scrapers to sell users' data. But there are web apps like Apify, 4K Tokkit, Bright Data, and more that offer automated TikTok scraping services, including profile data collection. To say this is disturbing isn't an overstatement.
Moreover, you can't say for sure what people might do with your data once they collect it from these scraping services. However, we can predict this might provide hints about you to threat actors.
And while TikTok mines the data to analyze patterns about you, there have been concerns that it sells the output information to the government so they can spy heavily on users. Pertinent to this is a 2019 lawsuit reported on BBC News which claims that TikTok sends US users' data to the Chinese government.
Can one prevent TikTok from mining your data from third-party apps?
Preventing TikTok from tracking your details on third-party apps can be difficult since the app sometimes collects users' data without their consent. It means even if you set your device to prevent app tracking, TikTok might not respect your choice.
But there are a couple of ways to limit the data TikTok collects and shares about you. One way is to avoid registering or logging into your TikTok account with third-party social authentications like Facebook, Google, or Twitter login. However, if you are an iPhone user, you can use your Apple ID to register on the app. But you might want to use Apple's Hide My Email feature while using this feature.
While Android might not provide Apple's type of anonymity, you can use third-party blockers if you are an Android user. Specifically, you might want to try DuckDuckGo's new privacy feature to block TikTok's app tracking. And if you are accessing TikTok via the browser, you might want to use privacy plugins.
Is it time to ditch TikTok?
Although TikTok's data mining is shady,
FEATURE TIKTOK
some people are indifferent. Dumping the app is still a personal decision. So, it depends on your conviction. Nonetheless, it is needful to say you can delete your account from TikTok and dump it for other alternatives if you feel threatened or unsafe.
TikTok revenue worldwide
Launched in September 2016, TikTok has garnered a huge audience globally in mere six years. The app has ruled out its dominance among billions of TikTok users count worldwide. As per the latest TikTok statistics, almost every other video goes viral beyond the app, racking up billions of views on Twitter and Instagram. It is safe to say that TikTok’s popularity has skyrocketed and reached heights.
As per the reports of Statista’s TikTok user stats, the app had over 1 billion active users worldwide at the end of 2021, representing a 45% growth compared to the year 2020. TikTok has been welcomed enthusiastically, especially by Asian countries such as Cambodia, Japan, Indonesia, Malaysia, Thailand, and Vietnam. Currently, Ireland is one of the top countries with the fastest-growing Tik-Tok market.
Today, TikTok is the seventh most used social media platform in the world sitting above its rivals Snapchat, however, trailing behind Instagram, Whatsapp, YouTube, and Facebook. When you compare the journeys, it took Instagram almost six years to gain the same amount of monthly active users that TikTok garnered in its first three years. Whereas, for Facebook to gain the same amount of monthly active users, it took over four years.
editor@ifinancemag.com
TECHNOLOGY IN CONVERSATION PETER GLOOR RESEARCH SCIENTIST, SLOAN SCHOOL OF MANAGEMENT
'Black swans are impossible to predict'
CL RAMAKRISHNAN
Peter A Gloor is a Research Scientist at the Center for Collective Intelligence at MIT's Sloan School of Management where he leads a twenty-year project exploring Collaborative Innovation Networks. He is also the founder and Chief Creative Officer of the software company Galaxyadvisors, and an honorary professor at the University of Cologne, and at Jilin University, Changchun, China. He also taught at Universidad Cattolica in Santiago de Chile, Aalto University Helsinki, University of Rome Tor Vergata, University of Applied Sciences Northwestern Switzerland (FHNW), and University of Applied Sciences Lucerne (HSLU). Earlier he was a partner with Deloitte and PwC, and a manager at UBS. He got his Ph.D. in computer science from the University of Zurich and was a Postdoc at the MIT Lab for Computer Science.
His newest book, "Happimetrics - Leveraging AI to Untangle the Surprising Link Between Ethics, Happiness and Business Success” will appear in fall 2022 at Edward Elgar Publishing.
In his interview with the International Finance, Peter Gloor shares his insights about Twitter bots, metaverse, the COIN project, social media trend predictions, and much more.
IF: Over 65% of B2B businesses use Twitter as a marketing tool. Is the B2B trend shifting to Twitter from Facebook and Instagram?
Peter Gloor: I don’t think Twitter is taking over from Facebook and Instagram. After all, Twitter has been around for a long time. Facebook is more about friends and family, and Instagram is communication by pictures. Twitter is for spreading the word quickly to everybody, it is
CENTER FOR COLLECTIVE INTELLIGENCE SOCIAL MEDIA TREND
essential for politicians, companies/brands, and journalists to disseminate their thinking, ideas, and brand. Twitter is its echo chamber; a comparatively small subset is active on Twitter compared to Facebook. But it is a very vocal, active, and engaged subset, so it is like a probe into society, representative of the rest of the population.
Does the removal of bots impact the revenue and reach of Twitter?
Of course, bots disturb the metrics of Twitter, as the number of followers, being listed, etc., is a key metric of influence for a Twitter user. If 50% of the followers of a politician are bots, this inflates their importance.
The point is that this is an arms race between Twitter and bot writers, who have a huge incentive to game the system to their advantage, claiming much wider reach than they do.
Twitter is also in a conundrum, as on the one hand more users Twitter has, the higher its reach and valuation (if these users are hidden bots, Twitter still gets the marketing money). On the other hand, Twitter should be able to identify its human users correctly.
What are your views on metaverse? Is the metaverse going to rule the virtual world in the coming years?
I think it is a question of time until virtual reality and reality will fuse in a Matrix-like scenario. What this scenario will look like is still open to discussion. But I imagine, for example, that I can virtually travel to Bangalore from Boston, without leaving my office at MIT, and will have “almost” the same experience as traveling there in person by plane. The same will be for office meetings, where you and I can meet in a virtual room, with the same interpersonal experience
I can virtually travel to Bangalore from Boston, without leaving my office at MIT, and will have “almost” the same experience as traveling there in person by plane. The same will be for office meetings, where you and I can meet in a virtual room with the same interpersonal experience as if I would meet you in person
TECHNOLOGY IN CONVERSATION PETER GLOOR RESEARCH SCIENTIST, SLOAN SCHOOL OF MANAGEMENT
as if I would meet you in person. The big question will be “fake news”, as it will be difficult for the layperson to distinguish truth from fake in the metaverse.
Can you tell us about the "Sociometrics and Human Relationships" book you have authored? Give us some insights about the book?
The book describes a proven and tested framework for measuring interpersonal interaction using online media, such as email, slack, teams, Twitter, or Facebook. It will allow the individuals to learn about their strengths and weaknesses and the organization to improve teamwork and intra- and interorganizational communication and collaboration.
I would also like to point out my new book “Happimetrics” (https://www.e-elgar.com/shop/usd/ happimetrics-9781803924014.html), which will come out this fall, extends these methods to direct faceto-face interpersonal interaction, and also measures ethics and moral values of a person, to distinguish truth from fake.
Voter manipulation on social media has become a global problem. What do you feel about it?
This is indeed a big problem. The remedy is transparency, i.e., educating the voter about all the potential ways of spreading fake information. It is a hugely important task for the trusted mainstream press. Artificial intelligence (AI) can also help by flagging fake news.
Can you tell us about the Collaborative Innovation Networks (COIN) project you are heading at CCI at MIT's Sloan School of Management?
The COIN project was started at MIT in 2002 to study all facets of swarm creativity. It was among the first to dispel the myth of the genius innovator locked away in his office and cranking out one invention after the other. The truth is, we can only innovate in intense collaboration with other like-minded people. In COINs, I have been studying how this collaboration functions in direct interpersonal interaction and online media for the last twenty years.
How will a person be able to predict trends on social media? What are the dos and don'ts?
Machine learning makes it extremely easy to construct a time series of social media data, e.g., all the tweets talking about “Donald Trump”. We can then extend the frequency of these tweets and measure their emotionality. Based on previous analysis, we could be tempted to predict that Donald Trump will again win the next US Presidency. This example illustrates how easy it is to mechanically make predictions for the future – but I call this “predicting the past”, as it is far from certain that an AI machine learning model that has worked before will work again in the future.
Why do you think social media has become a major player for most industries in establishing themselves?
It is the easiest and cheapest way to reach a broad group of influencers. The challenge is to be authentic; most corporate marketing departments do a miserable job in this regard on online social media. The most successful TikTok influencers are the most authentic ones, meaning that what they say comes from their heart. They genuinely believe in it. For example, Greta Thunberg has been doing this very well.
Can you tell us about your software company Galaxyadvisors? What kind of services do you offer the clients?
Galaxyadvisors builds software and provides consulting for coolfarming and coolhunting. Coolfarming means helping companies to innovate and create high-performing teams by building COINs.
CENTER FOR COLLECTIVE INTELLIGENCE SOCIAL MEDIA TREND
It involves analyzing their online communication, such as email, MS teams, and slack, and showing them how their teams currently communicate. And how they can communicate better. Coolhunting is finding cool new trends by finding the COINs on online social media that develop and launch these cool new trends. For example, by discovering the virtual tribes that aggregate around cool new products, be it Tesla, Birkenstock, or “Harry Potter”.
Tracking social media trends has never been easy. How have you tracked them, especially after the social media boom?
It is comparatively easy to predict tomorrow’s trend, e.g., to predict the stock price of tomorrow or who will win an Oscar, based on a time series analysis of yesterday's data. It is impossible until now to predict “black swans”, i.e, unpredictable events, such as Donald Trump winning the elections, the outbreak of COVID, or Russia invading Ukraine. with the “true reality”. We might also get a further split into more segmented virtual tribes, across country boundaries, for example, believers in science and believers in “god”. To prevent this split, we need “ethical AI”, which assists in easily identifying fakes from reality, and tools that flag unethical behavior automatically. This is what my current research focuses on.
Crypto social media platforms are gaining traction across the world. What is your take on it?
Crypto social media is an interesting concept, it would be a way to get rid of bots, and it could also be made traceable and relatively tamper-proof. However, the problem is that some vendors use beautiful words to mask their search for a quick buck by combining it with a new cryptocurrency. The other problem is that blockchain does not yet scale to the level needed for a system like Twitter.
With social media and Artificial Intelligence growing every day, what can we expect shortly?
We will get a fusion of augmented and virtual reality
editor@ifinancemag.com
