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Build a better you in 2018

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With most new year’s resolutions including words like “weight” and “fit”, ARTHUR GOLDSTUCK looks at a few sites, devices and apps that go beyond activity bands to boost our self-image.

Activity bands like the Fitbit and Garmin fitness trackers have become standard tools on the wrists of people with aspirations to more well-being, greater fitness, and lesser bulk.

The problem with these devices, however, is that the motivation quickly vanishes and, by February 1, New Year’s resolutions have come home to die.

One suggestion is to overhaul not only one’s fitness routine, but one’s entire consciousness routine. This is not a suggestion to ignore diets and treadmills, but to take a different approach.

For example, by investing in a new kind of scale that measures more than just weight, and having it in a location where it can never be ignored, it makes one that much more conscious of monitoring the body.

By investing in a fitness app that can be adapted into a fine-tuned coach that guides you in the activities you enjoy, you move away from the current smartphone fitness focus on what happens only on the activity band.

Finally, to make change more personal, one needs an overhaul that goes beyond the physical. Getting involved in a cause is a natural route, but not one that comes naturally. This guide concludes, then, on a website that takes you by the hand and connects you or your company to a cause.

We start with those smart scales:

Salter MiBody Bluetooth Analyser Scale

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Salter has been making scales for more than 250 years, and keeps pushing the boundaries. The first bathroom scale dates back to the 1820s, and its taken less than two centuries for Salter to evolve it into the Smart Scale. Or, more specifically, the MiBody scale.

It uses something called Bio Impedence Analysis technology to measure not only weight, but also the body mass index (BMI). It does this by sending a tiny (and safe) electrical impulse through the body to determine fat from lean tissue. This, in turn, provides an accurate measure of body fat, body water, and muscle mass, along with BMI and weight.

The MiBody operates as a conventional scale as well, but comes into its own when connected to a smartphone using the MiBody app. Up to four separate profiles can be stored on the scale, allowing family members to track themselves individually.

Two MiBody models encapsulate the options beautifully: The smaller MiBody 9159 is a sleek, black pad that enhances the décor of any modern bathroom; and the larger MiBody 9154, a large white gadget that comes with adjustable carpet feet for use in any room or on uneven surfaces. The former costs R849 and the latter R999.

* The scales can be purchased online from Accessory Lab here.

Aaptiv fitness coaching app

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Most activity bands and sports earphones pair up with apps that include coaching features. However, the best bands are not always paired with the best apps. In many cases, users opt for a third party app that combines expert coaching with the monitoring features of an existing device.

One of the best of these apps, Aaptiv, charges a subscription fee, but in return provides audio-based fitness classes and challenges by expert trainers. Workouts range from elliptical, cardio and strength to stretching and meditation – and are paired with music playlists for taking the experience further.

Aaptiv is a little more than two years old, but already has more than 2 500 classes available, with15 active trainers creating up to 50 new classes every week. Workout classes are geared to beginner, intermediate, or advanced users, who can interact with trainers through an Aaptiv Facebook community.

It’s like having a personal trainer at gym, but at a fraction of the cost. The dollar pricing is $9.99 a month or $99.99 for a year, but specials keep popping up. The one-month free trial is recommended before paying over those dollars.

* Download Aaptiv from the Google Play or the Apple App Store.

Forgood

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Rekindle your soul at Forgood, a home-grown online platform “that connects passionate people with needy organisations”. It is described as “a social market place where skills, goods, services and information can easily be offered and asked for”, with the site acting as the matchmaker for good causes.

Says CEO Andy Hadfield: “We believe that you can change your community and world for good. No longer do you have to wonder where to start or how to begin. By connecting online at forgood you can find ways to make a difference in your area and in line with your interests.”

Forgood is also geared towards companies’ employee volunteer programmes, allowing businesses of any size to get a CSI initiatove off the ground. A companies are then able to track, incentivise and report on their community engagement. Forgood also provides support to train, motivate and keep staff engaged.

According to Hadfield, 9 000 corporate employees registered on client volunteering programmes through the site last year, completing 13 000 actions – either in the form of volunteer work or donations.

As the organisation puts it, “Take the action offline and see your real world impact.”

* Rekindle your soul here.

 

  • Arthur Goldstuck is founder of World Wide Worx and editor-in-chief of Gadget.co.za. Follow him on Twitter on @art2gee and on YouTube

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VoD cuts the cord in SA

Some 20% of South Africans who sign up for a subscription video on demand (SVOD) service such as Netflix or Showmax do so with the intention of cancelling their pay television subscription.

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That’s according to GfK’s international ViewScape survey*, which this year covers Africa (South Africa, Kenya and Nigeria) for the first time.

The study—which surveyed 1,250 people representative of urban South African adults with Internet access—shows that 90% of the country’s online adults today use at least one online video service and that just over half are paying to view digital online content. The average user spends around 7 hours and two minutes a day consuming video content, with broadcast television accounting for just 42% of the time South Africans spend in front of a screen.

Consumers in South Africa spend nearly as much of their daily viewing time – 39% of the total – watching free digital video sources such as YouTube and Facebook as they do on linear television. People aged 18 to 24 years spend more than eight hours a day watching video content as they tend to spend more time with free digital video than people above their age.

Says Benjamin Ballensiefen, managing director for Sub Sahara Africa at GfK: “The media industry is experiencing a revolution as digital platforms transform viewers’ video consumption behaviour. The GfK ViewScape study is one of the first to not only examine broadcast television consumption in Kenya, Nigeria and South Africa, but also to quantify how linear and online forms of content distribution fit together in the dynamic world of video consumption.”

The study finds that just over a third of South African adults are using streaming video on demand (SVOD) services, with only 16% of SVOD users subscribing to multiple services. Around 23% use per-pay-view platforms such as DSTV Box Office, while about 10% download pirated content from the Internet. Around 82% still sometimes watch content on disc-based media.

“Linear and non-linear television both play significant roles in South Africa’s video landscape, though disruption from digital players poses a growing threat to the incumbents,” says Molemo Moahloli, general manager for media research & regional business development at GfK Sub Sahara Africa. “Among most demographics, usage of paid online content is incremental to consumption of linear television, but there are signs that younger consumers are beginning to substitute SVOD for pay-television subscriptions.”

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New data rules raise business trust challenges

When the General Data Protection Regulation comes into effect on May 25th, financial services firms will face a new potential threat to their on-going challenges with building strong customer relationships, writes DARREL ORSMOND, Financial Services Industry Head at SAP Africa.

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The regulation – dubbed GDPR for short – is aimed at giving European citizens control back over their personal data. Any firm that creates, stores, manages or transfers personal information of an EU citizen can be held liable under the new regulation. Non-compliance is not an option: the fines are steep, with a maximum penalty of €20-million – or nearly R300-million – for transgressors.

GDPR marks a step toward improved individual rights over large corporates and states that prevents the latter from using and abusing personal information at their discretion. Considering the prevailing trust deficit – one global EY survey found that 60% of global consumers worry about hacking of bank accounts or bank cards, and 58% worry about the amount of personal and private data organisations have about them – the new regulation comes at an opportune time. But it is almost certain to cause disruption to normal business practices when implemented, and therein lies both a threat and an opportunity.

The fundamentals of trust

GDPR is set to tamper with two fundamental factors that can have a detrimental effect on the implicit trust between financial services providers and their customers: firstly, customers will suddenly be challenged to validate that what they thought companies were already doing – storing and managing their personal data in a manner that is respectful of their privacy – is actually happening. Secondly, the outbreak of stories relating to companies mistreating customer data or exposing customers due to security breaches will increase the chances that customers now seek tangible reassurance from their providers that their data is stored correctly.

The recent news of Facebook’s indiscriminate sharing of 50 million of its members’ personal data to an outside firm has not only led to public outcry but could cost the company $2-trillion in fines should the Federal Trade Commission choose to pursue the matter to its fullest extent. The matter of trust also extends beyond personal data: in EY’s 2016 Global Consumer Banking Survey, less than a third of respondents had complete trust that their banks were being transparent about fees and charges.

This is forcing companies to reconsider their role in building and maintaining trust with its customers. In any customer relationship, much is done based on implicit trust. A personal banking customer will enjoy a measure of familiarity that often provides them with some latitude – for example when applying for access to a new service or an overdraft facility – that can save them a lot of time and energy. Under GDPR and South Africa’s POPI act, this process is drastically complicated: banks may now be obliged to obtain permission to share customer data between different business units (for example because they are part of different legal entities and have not expressly received permission). A customer may now allow banks to use their personal data in risk scoring models, but prevent them from determining whether they qualify for private banking services.

What used to happen naturally within standard banking processes may be suddenly constrained by regulation, directly affecting the bank’s relationship with its customers, as well as its ability to upsell to existing customers.

The risk of compliance

Are we moving to an overly bureaucratic world where even the simplest action is subject to a string of onerous processes? Compliance officers are already embedded within every function in a typical financial services institution, as well as at management level. Often the reporting of risk processes sits outside formal line functions and end up going straight to the board. This can have a stifling effect on innovation, with potentially negative consequences for customer service.

A typical banking environment is already creaking under the weight of close to 100 acts, which makes it difficult to take the calculated risks needed to develop and launch innovative new banking products. Entire new industries could now emerge, focusing purely on the matter of compliance and associated litigation. GDPR already requires the services of Data Protection Officers, but the growing complexity of regulatory compliance could add a swathe of new job functions and disciplines. None of this points to the type of innovation that the modern titans of business are renowned for.

A three-step plan of action

So how must banks and other financial services firms respond? I would argue there are three main elements to successfully navigating the immediate impact of the new regulations:

Firstly, ensuring that the technologies you use to secure, manage and store personal data is sufficiently robust. Modern financial services providers have a wealth of customer data at their disposal, including unstructured data from non-traditional sources such as social media. The tools they use to process and safeguard this data needs to be able to withstand the threats posed by potential data breaches and malicious attacks.

Secondly, rethinking the core organisational processes governing their interactions with customers. This includes the internal measures for setting terms and conditions, how customers are informed of their intention to use their data, and how risk is assessed. A customer applying for medical insurance will disclose deeply personal information about themselves to the insurance provider: it is imperative the insurer provides reassurance that the customer’s data will be treated respectfully and with discretion and with their express permission.

Thirdly, financial services firms need to define a core set of principles for how they treat customers and what constitutes fair treatment. This should be an extension of a broader organisational focus on treating customers fairly, and can go some way to repairing the trust deficit between the financial services industry and the customers they serve.

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