In his latest AppDate, SEAN BACHER highlights FNB’s newest mobile app, DStv Now for Compact and Extra customers, Child Friendly SA, Opera 3.0 Max, BBM News for SA and CarZar’s updated website.
FNB updated website
FNB’s latest banking app update allows users to view and pay for traffic fines and renew car licenses. For a fee, the licence is delivered by courier, and saves standing in lines and dealing with bureaucrats. It also features Augmented Reality and FNB TV. The augmented reality technology is designed to help customers find nearby eBucks retail partners, and the FNB TV service helps customers navigate banking easily with video clips that take them through the process step-by-step. The app also offer the ability to temporarily block, unblock, cancel and order any cheque, credit or debit card.
Platform: Android and Apple iOS
Expect to pay: A free download
Stockists: Visit the store linked to your device
DStv Now for Compact and Extra customers
DStv Now previousl allowed DStv customers of premium services to watch streaming Live TV and access the Catch Up channel on mobile devices. These features are now available on lower-cost DStv Compact and Extra accounts at no extra cost.
By downloading the mobile app, or logging on via a desktop browser, one gets to watch Live TV, see the full DStv TV Guide, enjoy DStv Catch Up content (via streaming or download) and manage accounts.
The Live TV and DStv Catch Up content on DStv Now will be based on the package to which the user is subscribed.
Platform: Android, Apple iOS and any device with a supporting Internet browser.
Expect to pay: A free download.
Stockists: Visit the store linked to your device or log on at www.now.dstv.com
Child Friendly SA
The Child Friendly SA app offers a easy solution to help parents-on-the-go to make more of their own day and their kids’ lives. More than 10 000 listings of child-friendly activities, services and shops are readily accessible from a smartphone. The app offers a wealth of ideas and valuable shortcuts to enriching family lives and to manage them more efficiently. Information is presented in more than 200 categories and sub-categories, covering the needs of kids from birth to the end of the high school years.
Platform: Android and Apple iOS
Expect to pay: A free download
Stockists: Visit the store linked to your device.
Opera 3.0 Max
Opera has rolled out its new 3.0 version of the Max app. This is a major update with a new design, optimised for easier use of the data savings and data management tools inside Opera Max. The new version also introduces an improvement to its data savings technology by adding support for Facebook savings.
Opera Max 3.0 acts like a user’s smart assistant to manage Android apps. It starts off on a familiar feed that is customised to a user’s current data usage. It then shows “app by app” mobile and Wi-Fi data usage and also provides personalised advice on how best to reduce data usage. The tip cards on Opera Max’s new home feed will guide users through the most efficient ways to stretch their mobile data plan and help better manage their apps’ data consumption. Also, Opera Max will report on external security threat,s while providing data encryption when, for example, users are on public a Wi-Fi network.
Expect to pay: A free download
Stockists: Visit the Google Play Store
BBM News now in South Africa
BBM News is a source for news from around the globe: breaking, world, local, technology, sports, entertainment, business, and more. Accessible from the BBM Discover menu, this new service provides a personalised experience that “learns” which news stories are important to a user.
BBM News also includes the ability to share news with friends and family — making it easier for consumers to pass along interesting articles, and for content providers to take advantage of “dark social sharing,” which appears to be more effective than social advertising.
Platform: Mobile devices running the BBM messenger service
Expect to pay: A free download
Stockists: Download BBM News through the Discover menu in BBM messenger.
Updated CarZar website
CarZar has a new website which will deliver a faster and easier experience when selling secondhand cars. Sellers enter their car’s details on the CarZar.co.za website, after which CarZar’s algorithm will instantly generate an estimate for the vehicle’s selling price. If the seller is happy with the estimated value, they can book a free inspection with one of CarZar’s trained car inspectors. Within 20 minutes, the inspector will make a final offer to the seller. CarZar then makes an instant payment and takes care of all the paperwork. In all, the process takes only 30 minutes.
Platform: Any device with an Internet browser
Expect to pay: A free service.
How to rob a bank in the 21st century
In the early 1980s, South Africans were gripped by tales of the most infamous bank robbery gangs the country had ever known: The Stander Gang. The gang would boldly walk into banks, brandishing weapons, demand cash and simply disappear. These days, a criminal doesn’t even have to be in the same country as the bank he or she intends to rob. Cyber criminals are quite capable of emptying bank accounts without even stepping out of their own homes.
As we become more and more aware of cybersecurity and the breaches that can occur, we’ve become more vigilant. Criminals, however, are still going to follow the money and even though security may be beefed up in many organisations, hackers are going to go for the weakest links. This makes it quintessential for consumers and enterprises to stay one step ahead of the game.
“Not only do these cyber bank criminals get away with the cash, they also end up damaging an organisation’s reputation and the integrity of its infrastructure,” says Indi Siriniwasa, Vice President of Trend Micro, Sub-Saharan Africa. “And sometimes, these breaches mean they get away with more than just cash – they can make off with data and personal information as well.”
Because the cyber criminals operate outside bricks and mortar, going for the cash register or robbing the customers is not where their misdeeds end. Bank employees – from the tellers to the CEO – are all fair game.
But how do they do it? Taking money out of an account is not the only way to steal money. Cyber criminals can zero in on the bank’s infrastructure, or hack into payment systems and even payment documents. Part of a successful operation for them may also include hacking into telecommunications to gain access to one-time pins or mobile networks.
“It’s not just about hacking,” says Siriniwasa.. “It’s also about the hackers trying to get an ‘inside man’ in the bank who could help them or even using a person’s personal details to get a new SIM so that they can have access to OTPs. Of course, they also use the tried and tested method of phishing which continues to be exceptionally effective – despite the education in the market to thwart it.”
The amounts of malware and available attacks to gain access to bank funds is strikingly vast and varies from using web injection script, social engineering and even targeting internal networks as well as points of sale systems. If there is an internet connection and a system you can be assured that there is a cybercriminal trying to crack it. The impact on the bank itself is also massive, with reputations left in tatters and customers moving their business elsewhere.
“We see that cyber criminals use multi-faceted attacks,” says Siriniwasa. “This means that we need to come at security from multiple angles as well. Every single layer of an organisation’s online perimeter need to be secured. Threat isolation is exceptionally important and having security with intrusion protection is vital. Again, vigilance on the part of staff and customers also goes a long way to preventing attacks. These criminals might not carry guns like Andre Stander and his gang, but they are just as dangerous – in fact – probably more so.”
Beaten by big data? AI is the answer
by ZAKES SOCIKWA, cloud big data and analytics lead at Oracle
In 2019, it’sestimated we’ll generate more data than we did in the previous 5,000 years. Data is fast becoming the most valuable asset of any modern organisation, and while most have access to their internal data, they continue to experience challenges in deriving maximum value through being able to effectively monetise the information that they hold.
The foundation of any analytics or Business Intelligence (BI) reporting capability is an efficient data collection system that ensures events/transactions are properly recorded, captured, processed and stored. Some of this information on its own might not provide any valuable insights, but if it is analysed together with other sources might yield interesting patterns.
Big data opens up possibilities of enhancing internal sources with unstructured data and information from Internet of Things (IoT) devices. Furthermore, as we move to a digital age, more businesses are implementing customer experience solutions and there is a growing need for them to improve their service and personalise customer engagements.
The digital behaviour of customers, such as social media postings and the networks or platforms they engage with, further provides valuable information for data collection. Information gathering methods are being expanded to accommodate all types and formats of data, including images, videos, and more.
In the past, BI and Data Mining were left to highly technical and analytical individuals, but the introduction of data visualisation tools is democratising the analytics world. However, business users and report consumers often do not have a clear understanding of what they need or what is possible.
AI now embedded into day to day applications
To this end, artificial intelligence (AI) is finishing what business intelligence started. By gathering, contextualising, understanding, and acting on huge quantities of data, AI has given rise to a new breed of applications – one that’s continuously improving and adapting to the conditions around it. The more data that is available for the analysis, the better is the quality of the outcomes or predictions.
In addition, AI changes the productivity equation for many jobs by automating activities and adapting current jobs to solve more complex and time-consuming problems, from recruiters being able to source better candidates faster to financial analysts eliminating manual error-prone reporting.
This type of automation will not replace all jobs but will invent new ones. This enables businesses to reduce the time to complete tasks and the costs of maintenance, and will lead to the creation of higher-value jobs and new engagement models. Oracle predicts that by 2025, the productivity gains delivered by AI, emerging technologies, and augmented experiences could double compared to today’s operations.
According to the IDC, worldwide revenues for big data and business analytics (BDA) solutions was expected to total $166 billion in 2018, and forecast to reach $260 billion in 2022, with a compound annual growth rate of 11.9% over the 2017-2022 forecast period. It adds that two of the fastest growing BDA technology categories will be Cognitive/AI Software Platforms (36.5% CAGR) and Non-relational Analytic Data Stores (30.3% CAGR)¹.
Informed decisions, now and in the future
As new layers of technology are introduced and more complex data sources are added to the ecosystem, the need for a tightly integrated technology stack becomes a challenge. It is advisable to choose your technology components very carefully and always have the end state in mind.
More development on emerging technologies such as blockchain, AI, IoT, virtual reality and others will probably be available on cloud first before coming on premise. For those organisations that are adopting public cloud, there are opportunities to consume the benefits of public cloud and drive down costs of doing business.
While the introduction of public cloud is posing a challenge on data sovereignty and other regulations, technology providers such as Oracle have developed a ‘Cloud at Customer’ model that provides the full benefits of public cloud – but located on premise, within an organisation’s own data centre.
The best organisations will innovate and optimise faster than the rest. Best decisions must be made around choice of technology, business processes, integration and architectures that are fit for business. In the information marketplace, speed and informed decision making will be key differentiators amongst competitors.
¹ IDC Press Release, Revenues for Big Data and Business Analytics Solutions Forecast to Reach $260 Billion in 2022, Led by the Banking and Manufacturing Industries, According to IDC, 15 August 2018