Category Archives: Digital Assistant

People Turn Toward “Data Banks” to Commoditize on their Purchase and User Behavior Profiles

Anyone who is anti “Big Brother”, this may not be the article for you, in fact, skip it. ūüôā

 

The Pendulum Swings Away from GDPR

In the not so distant future, “Data Bank” companies consisting of¬†Subject Matter Experts¬†(SME) across all verticals, ¬†may process¬†your data¬†feeds collected from your purchase and user behavior profiles.¬† Consumers will be encouraged to submit their data profiles into a Data Bank who will offer incentives such as a reduction of¬†insurance premiums to cash back rewards.

 

Everything from activity trackers, home¬†automation, to¬†vehicular automation¬†data may be captured and aggregated. ¬† ¬†The data collected can then be sliced and diced to provide macro and¬†micro views of the information. ¬† ¬†On the abstract, macro level the¬†information¬†may allow for demographic, statistical correlations, which may¬†contribute to corporate strategy. On a¬†granular¬†view, the data¬†will provide “data banks” the opportunity to sift through data to perform analysis and correlations that lead to actionable information.

 

Is it secure?  Do you care if a hacker steals your weight loss information? May not be an issue if collected Purchase and Use Behavior Profiles aggregate into a Blockchain general ledger.  Data Curators and Aggregators work with SMEs to correlate the data into:

  • Canned, ‘intelligent’ reports targeted for a specific subject matter, or across silos of¬†data types
  • ‘Universes’ (i.e. ¬†Business Objects) of data that may be ‘mined’ by consumer approved, ‘trusted’ third party companies, e.g. your insurance companies.
  • Actionable information based on AI subject matter rules engines and consumer rule transparency may be provided.

 

¬†“Data Banks” may be required to report to their customers who agreed to sell their data examples of specific rows of the data, which was sold on a “Data Market”.

Consumers may have¬†the option of sharing their personal¬†data with specific companies by proxy, through a ‘data bank’¬†granular to the data point¬†collected.¬† Sharing of Purchase and User Behavior Profiles:

  1. may lower [or raise] your insurance premiums
  2. provide discounts on preventive health care products and services, e.g. vitamins to yoga classes
  3. Targeted, affordable,  medicine that may redirect the choice of the doctor to an alternate.  The MD would be contacted to validate the alternate.

 

The curriated data collected may be harnessed by thousands of affinity groups to offer very discrete products and services.  Purchase and User Behavior Profiles,  correlated information stretches beyond any consumer relationship experienced today.

 

At some point, health insurance companies may require you to wear a tracker to increase or slash premiums.  Auto Insurance companies may offer discounts for access to car smart data to make sure suggested maintenance guidelines for service are met.

 

You may approve your “data bank”¬†to give access¬†to specific soliciting government agencies or private firms looking to analyze data for their studies. You may qualify based on the demographic, abstracted data points collected for incentives provided may be tax credits, or paying studies.

Purchase and User Behavior Profiles:  Adoption and Affordability

If ‘Data Banks’ are allowed to collect Internet of Things (IoT)¬†device profile and the devices themselves are cost prohibitive. ¬†here are a few¬†ways to increase their adoption:

  1.  [US] tax coupons to enable the buyer, at the time of purchase, to save money.  For example, a 100 USD discount applied at the time of purchase of an Activity Tracker, with the stipulation that you may agree,  at some point, to participate in a study.
  2. Government subsidies: the cost of aggregating and archiving Purchase and Behavioral profiles through annual tax deductions.  Today, tax incentives may allow you to purchase an IoT device if the cost is an itemized medical tax deduction, such as an Activity Tracker that monitors your heart rate, if your medical condition requires it.
  3. Auto, Life, Homeowners, and Health policyholders may qualify for additional insurance deductions
  4. Affinity branded IoT devices, such as American Lung Association may sell a logo branded Activity Tracker.  People may sponsor the owner of the tracking pedometer to raise funds for the cause.

The World Bank has a repository of data, World DataBank, which seems to store a large depth of information:

World Bank Open Data: free and open access to data about development in countries around the globe.”

Here is the article that inspired me to write this article:

http://www.marketwatch.com/story/you-might-be-wearing-a-health-tracker-at-work-one-day-2015-03-11

 

Privacy and Data Protection Creates Data Markets

Initiatives such as¬†General Data Protection Regulation (GDPR) and other privacy initiatives which seek to constrict access to your data to you as the “owner”, as a byproduct, create opportunities for you to¬†sell your data.¬†¬†

 

Blockchain: Purchase, and User Behavior Profiles

As your “vault”, “Data Banks” will collect and maintain your two primary datasets:

  1. As a consumer of goods and services, a Purchase Profile is established and evolves over time.¬† Online purchases are automatically collected, curated, appended with metadata, and stored in a data vault [Blockchain].¬† “Offline” purchases at some point, may become a hybrid [on/off] line purchase, with advances in traditional monetary exchanges, and would follow the online transaction model.
  2. User Behavior (UB)¬† profiles, both on and offline will be collected and stored for analytical purposes.¬† A user behavior “session” is a use case of activity where YOU are the prime actor.¬† Each session would create a single UB transaction and are also stored in a “Data Vault”.¬† ¬†UB use cases may not lead to any purchases.

Not all Purchase and User Behavior profiles are created equal.¬† Eg. One person’s profile may show a monthly spend higher than another.¬† The consumer who purchases more may be entitled to more benefits.

These datasets wholly owned by the consumer, are safely stored, propagated, and immutable with a solution such as with a Blockchain general ledger.

Hostess with the Mostest – Apple Siri, Amazon Alexa, Microsoft Cortana, Google Assistant

Application Integration Opportunities:

  • Microsoft Office, Google G Suite, Apple iWork
    • Advice is integrated within the application, proactive and reactive: When searching in Microsoft Edge, a blinking circle representing Cortana is illuminated. ¬†Cortana says “I’ve collected similar articles on this topic.” ¬†If selected, presents 10 similar results in a right panel to help you find what you need.
  • Personal Data Access and Management
    • The user can vocally access their personal data, and make modifications to that data; E.g. Add entries to their Calendar, and retrieve the current day’s agenda.

Platform Capabilities: Mobile Phone Advantage

Strengthen core telephonic capabilities where competition, Amazon and Microsoft, are relatively week.

  • Ability to record conversations, and push/store content in Cloud, e.g. iCloud. ¬†Cloud Serverless recording mechanism dynamically tags a conversations with “Keywords” creating an Index to the conversation. ¬†Users may search recording, and playback audio clips +/- 10 seconds before and after tagged occurrence.
Calls into the User’s Smartphones May Interact Directly with the Digital Assistant
  • Call Screening ‚Äď The digital assistant asks for the name of the caller, purpose of the call, and if the matter is ‚ÄúUrgent‚ÄĚ
    • A generic ‚Äúpurpose‚ÄĚ response, or a list of caller purpose items can be supplied to the caller, e.g. 1) Schedule an Appointment
    • The smartphone‚Äôs user would receive the caller‚Äôs name, and the purpose as a message back to the UI from the call, currently in a ‚Äėhold‚Äô state,
    • The smartphone user may decide to accept the call, or reject the call and send the caller to voice mail.
  • A ¬†caller may ask to schedule a meeting with the user, and the digital assistant may access the user‚Äôs calendar to determine availability. ¬†The digital assistant may schedule a ‚Äėtentative‚Äô appointment within the user‚Äôs calendar.
    • If calendar indicates availability, a ‚Äėtentative‚Äô meeting will be entered. The smartphone user would have a list of tasks from the assistant, and one of the tasks is to ‚Äėaffirm‚Äô availability of the meetings scheduled.
  • If a caller would like to know the address of the smartphone user‚Äôs office, the Digital Assistant may access a database of “generally available” information, and provide it. The Smartphone user may use applications like Google Keep, and any note tagged with a label ‚ÄúOpen Access‚ÄĚ may be accessible to any caller.
  • Custom business workflows¬†may be triggered through the smartphone, such as ‚ÄúPay by Phone‚ÄĚ. ¬†When a caller is calling a business user’s smartphone, the call goes to “voice mail” or “digital assistant” based on smartphone user’s configuration. ¬†If the user reaches the “Digital Assistant”, there may be a list of options the user may perform, such as “Request for Service” appointment. ¬†The caller would navigate through a voice recognition, one of many defined by the smartphone users’ workflows.

Platform Capabilities: Mobile Multimedia

Either through your mobile Smartphone, or through a portable speaker with voice recognition (VR).

  • Streaming media / music to portable device based on interactions with Digital Assistant.
  • Menu to navigate relevant (to you) news, ¬†and Digital Assistant to read articles through your portable media device (without UI)

Third Party Partnerships: Adding User Base, and Expanding Capabilities

In the form of platform apps (abstraction), or 3rd party APIs which integrate into the Digital Assistant, allowing users to directly execute application commands, e.g. Play Spotify song, My Way by Frank Sinatra.

  • Any “Skill Set” with specialized knowledge: direct Q&A or instructional guidance ¬†– e.g Home Improvement, Cooking
  • eCommerce Personalized Experience – Amazon
  • Home Automation – doors, thermostats
  • Music – Spotify
  • Navigate Set Top Box (STB) – e.g. find a program to watch
  • Video on Demand (VOD) – e.g. set to record entertainment

 

Evaluating fobi.io Chatbot Powered By Google Forms: AI Digital Agent?

Interesting approach to an AI Chatbot implementation.  The business process owner creates one or more Google Forms containing questions and answers, and converts/deploys to a chatbot using fobi.io.  All the questions for [potential] customers/users are captured in a multitude of forms.  Without any code, and within minutes, an interactive chatbot can be produced and deployed for client use.

The trade off for rapid deployment and without coding is a rigid approach of triggering user desired ‚ÄúGoal/Intents‚ÄĚ. ¬†It seems a single goal/intent is mapped to a single Google Form. ¬†As opposed to a digital agent, which leverages utterances to trigger the user‚Äôs intended goal/intent. ¬†Before starting the chat, the user must select the appropriate Google Form, with the guidance of the content curator.

Another trade off is, it seems, no integration on the backend to execute a business process, essential to many chatbot workflows. For example, given an Invoice ID, the chatbot may search in a transactional database, then retrieve and display the full invoice.  Actually, I may be incorrect. On the Google Forms side, there is a Script Editor. Seems powerful and scary all at the same time.

Another trade off that seems to exist, more on the Google Forms side, is building not just a Form with a list of Questions, but a Consumer Process Workflow, that allows the business to provide an interactive dialog based on answers users provide.  For example, a Yes/No or multichoice answer may lead to alternate sets of questions [and actions].  It doesn’t appear there is any workflow tool provided to structure the Google Forms / fobi.io chatbot Q&A.

However, there are still many business cases for the product, especially for small to mid size organizations.

* Business Estimates Рalthough there is no logic workflow to guide the Q&A sessions with [prospective] customers, the business still may derive the initial information they require to make an initial assessment.  It seems a Web form, and this fobi.io / Google Forms solution seems very comparable in capability, its just a change in the median in which the user interacts to collect the information.

One additional note, Google Forms is not a free product.  Looks like it’s a part of the G Suite. Free two week trial, then the basic plan is $5 per month, which comes with other products as well.  Click here for pricing details.

Although this¬†‚Äúchatbot‚ÄĚ tries to quickly provide a mechanism to turn a form to a chatbot, it seems it‚Äôs still just a form at the end of the day. ¬†I‚Äôm interested to see more products from¬†Zoi.ai soon