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The latest news from Business Insider

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    yosemite national park

    • Three people have died in national parks since the US government shutdown began, according to a new report from The Washington Post.
    • The partial shutdown went into effect after midnight on December 22 — after the White House and Congress failed to reach an agreement over a stopgap bill to fund the government and $5 billion in funding for President Donald Trump's desired wall along the US-Mexico border.
    • Roughly 16,000 of 19,000 National Park Service employees are furloughed, and the parks are being manned by a skeleton staff, The Post reports.
    • In a statement to The Washington Post, Jeremy Barnum, a spokesperson for the National Park Service, said that on average six people die in the parks per week due to "accidents like drownings, falls, and motor vehicle crashes and medical related incidents such as heart attacks."

    Three people have died in national parks since the government shutdown began, according to a new report from The Washington Post.

    The partial government shutdown began after midnight on December 22 — after the White House and Congress failed to reach an agreement over a stopgap bill to fund the government and $5 billion in funding for President Donald Trump's desired wall along the US-Mexico border.

    The partial shutdown impacts nine federal agencies (the rest of the government has been funded) and around 800,000 federal government employees; 420,000 of those employees are considered "essential" and must continue working without pay, while the rest have been furloughed.

    Unlike longer government shutdowns under Presidents Obama and Clinton, the Trump administration opted to keep national parks open to visitors. The Trump administration also kept them open during the shutdown of January 2018, which only lasted only several days.

    Roughly 16,000 of 19,000 National Park Service employees are furloughed, and the parks are being manned by a skeleton staff, The Post reports.

    The first death occurred on December 24 at Horseshoe Bend in Arizona. Authorities believe a 14-year-old girl from San Jose, California fell roughly 700 feet to her death, according to NBC Los Angeles.

    The next day, December 25, a man fell and suffered a head injury in Yosemite National Park; he later died from his injuries, according to The Fresno Bee.

    "We aren’t releasing more detail because the incident remains under investigation, which is taking longer than usual because of the shutdown," Andrew Muñoz, acting chief of public and congressional affairs for the National Park Service’s Pacific West Region, told the Bee in an emailed statement. "A news release wasn’t issued because of the shutdown."

    On December 27, at Tennessee’s Great Smoky Mountain National Park, a tree fell and killed pediatrician, and mother of three Laila Jiwani, 42, who was reportedly shielding her son, who sustained injuries, from the collapsing tree.

    Business Insider contacted the Department of the Interior, the National Park Service, the White House, and congressional leaders for more information.

    In a statement to The Washington Post, Jeremy Barnum, a spokesperson for the National Park Service, said that on average six people die in the parks per week due to "accidents like drownings, falls, and motor vehicle crashes and medical related incidents such as heart attacks."

    "Visitors can reduce their risk of injury if they plan ahead and prepare properly, select the most appropriate activity that matches their skill set and experience, seek information before they arrive at the park about hazards and environmental conditions, follow rules and regulations and use sound judgement while recreating," Barnum told The Post.

    Still, others told The Post that the shutdown increases risk for visitors. Sanitation could be an issue, Diane Regas, president and CEO of The Trust for Public Land, told The Post. Parks currently have varying degrees of cleanup staff. Some parks are filling with trash, while volunteers are cleaning and stocking bathrooms at parks like Joshua Tree in California.

    The shutdown could also pose a safety risk, in terms of how quickly authorities can get to visitors in case of an emergency, Daniel Wenk, former superintendent of Yellowstone National Park, said to The Post. Overall, there is the risk of having fewer people to guide visitors in their experience.

    Parks have stayed open during shorter shutdowns. However, as the shutdown hits the two week mark, some parks are hoping they'll be able to close, The Post reports.

    One national park that is open and staffed? The Old Post Office Pavilion Clock Tower located in the Trump International Hotel in Washington, DC. A spokesperson for the General Service Administration, which leases the building to the Trump Organization told the Associated Press in a statement that a law requires it to remain open and said it's status was "unrelated to the facility's tenant."

    Join the conversation about this story »

    NOW WATCH: Anthony Scaramucci claims Trump isn't a nationalist: 'He likes saying that because it irks these intellectual elitists'


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    Elizabeth Warren

    • Democratic Sen. Elizabeth Warren of Massachusetts strode into Iowa Friday with all the look of a presidential candidate, igniting pent-up Democratic frustration with her brand of fiery liberalism in the premier caucus state.
    • "It's time to dream big and fight hard, not just for those at the top, but for an America that works for everyone," Warren told about 500 in western Iowa Friday evening.
    • Warren has been an emerging national figure for more than a decade as an advocate for consumer protection, now a senator and a regular target of President Donald Trump.
    • "This is where it begins, person-to-person, town-to-town, across Iowa and across the country," she said, igniting cheers. "We're going to build a grassroots movement."

    COUNCIL BLUFFS, Iowa (AP) — Democratic Sen. Elizabeth Warren of Massachusetts strode into Iowa Friday with all the look of a presidential candidate, igniting pent-up Democratic frustration with her brand of fiery liberalism in the premier caucus state.

    "It's time to dream big and fight hard, not just for those at the top, but for an America that works for everyone," Warren told about 500 in western Iowa Friday evening.

    Warren made her Iowa debut calling for economic fairness in front of a cheering crowd of Iowa and Nebraska Democrats at a Council Bluffs, Iowa, bowling alley. She was scheduled to continue by holding public events Saturday and Sunday in western and central Iowa theaters, community centers and bars.

    Warren has been an emerging national figure for more than a decade as an advocate for consumer protection, now a senator and a regular target of President Donald Trump. But this trip offers the first glimpse of what the likely Democratic presidential candidate will look like in that role.

    She appeared to relish the transition from the outset.

    "This is where it begins, person-to-person, town-to-town, across Iowa and across the country," she said, igniting cheers. "We're going to build a grassroots movement."

    She also signaled a potential point of conflict within the Democratic primary field, suggesting billionaire candidates would not represent the party well if they used their personal wealth to help finance their campaigns. Billionaires including environmentalist Tom Steyer and former New York Mayor Michael Bloomberg are weighing 2020 Democratic candidacies. Steyer plans to visit Iowa Wednesday.

    "I think that campaigns should not be for sale," she said. "Whether we're talking about super PACs or self-funding as Democrats in a primary."

    For someone known for her ability to rouse crowds with her takedowns of Wall Street and Trump, Warren ignited her audience in Iowa by promising, in her trademark style, to "persist."

    Despite the friendly reception, retired teacher Carla Hawkins was far from ready to commit.

    "I'm ready for something good, something better," the Council Bluffs Democrat said. "But I still don't know enough about Sen. Warren. And there are so many others looking into it. It's too early for me to say."

    High school senior Maggie Bashore said she was curious, but looking for someone younger than Warren, who is 69.

    "We need somebody who is focusing on our generation," Bashore said. "We need someone who knows we're going to be the ones taking care of the planet."

    Warren will have the chance to forge more personal connections with the state's activists and powerbrokers, starting Saturday with about 20 Democratic activists at a private home in central Iowa and Sunday at a Des Moines cafe.

    "I'd like to see how she deals with people one-on-one, that interaction between her and regular folks," said Jan Bauer, the Story County Democratic chairwoman, who planned to attend the private event with Warren Saturday.

    Though Warren announced the formation of a presidential exploratory committee Monday, Friday's event had all the trappings of a full-throttle presidential campaign.

    Having recently named a team of seasoned Iowa campaign hands, Warren took the stage in the bowling alley bar to a typical campaign soundtrack of pop and classic hits.

    A team of private security guards guided attendees and the dozens of media through the parking lot. Warren's staff logged the names and contact information for those interested in more information.

    "I'm here to ask every one of you to be a part of this," Warren said. "Join us in this because this is about what we can do together."

    Iowa's caucuses, local political meetings held statewide and run by the party, are scheduled to begin the 2020 nominating campaign in February 2020.

    Warren's visit is an effort to gain an early advantage in the state. Other Democratic presidential prospects are expected to announce their plans in the coming weeks, and have been in touch for weeks with party leaders, activists and potential staff in Iowa.

    Join the conversation about this story »

    NOW WATCH: A Harvard psychologist reveals the secret to curbing your appetite


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    Large FIs tech investments NEWThis is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here.

    The way incumbent banks onboard and verify the identities of their customers online is inconvenient and insecure, resulting in lowered customer satisfaction and loyalty, and security breaches leading to compensation payouts and legal costs.

    It’s a lose-lose situation, as consumers become disgruntled and banks lose business. The problem stems from the very strict verification standards and high noncompliance fines that banks are subject to, which have led them to prioritize stringency over user experience in verification. At the same time, this approach doesn't gain banks much, since the verification methods they use to remain compliant can actually end up compromising customers' personal data.

    But banks can't afford to prioritize stringent verification at the cost of user experience anymore. Onboarding and verification standards are increasingly being set by more tech-savvy players within and outside their industry, like fintechs and e-retailers. If banks want to keep customers loyal, they have to start innovating in this area. The trick is to streamline verification for clients without compromising accuracy. If banks manage to do this, the result will be happier and more loyal customers; higher client retention and revenue; and less spending on redundant checks, compensation for breaches, and regulatory fines.

    The long-term opportunity such innovation presents is even bigger. Banks are already experts in vouching for people’s identities, and because they’re held to such tight verification standards, their testimonies are universally trusted. So, if banks figure out how to successfully digitize customer identification, this could help them not only boost revenue and cut costs, but secure a place for themselves in an emerging platform economy, where online identities will be key to carrying out transactions. 

    Here are some of the key takeaways from the report:

    • The strict verification standards that banks are held to have led them to create onboarding and login processes that are painful for clients. Plus, the verification methods they use to remain compliant can actually end up putting customers' personal data at risk. This leaves banks with dented customer satisfaction, as well as security breaches and legal costs.
    • Several factors are now pushing banks to attempt to remedy the situation, including a tougher regulatory environment and increasing competition from agile startups and tech giants like Google, Amazon, and Facebook, where speedy onboarding and intuitive service is a given.
    • The trick is to streamline verification for clients without compromising accuracy, something several emerging technologies promise to deliver, including biometrics, optical character recognition (OCR) technology, cryptography, secure video links, and blockchain and distributed ledger technology (DLT). 
    • The long-term opportunity such innovation presents is even bigger. Banks are already experts in vouching for people’s identities, so if they were to figure out how to successfully digitize customer identification, this could help them secure a valued place, and relevance, in a modernizing economy.

    In full, the report:

    • Looks at why identity verification is so integral to banking, and why it's becoming a problem for banks.
    • Outlines the biggest drivers pushing banks to revamp their verification methods.
    • Gives an overview of the technologies, both new and established but repurposed, that are enabling banks to bring their verification methods into the digital age.
    • Discusses what next steps have to happen to bring about meaningful change in the identity verification space, and how banks can capitalize on their existing strengths to make such shifts happen.

    Subscribe to an All-Access pass to Business Insider Intelligence and gain immediate access to:

    This report and more than 250 other expertly researched reports
    Access to all future reports and daily newsletters
    Forecasts of new and emerging technologies in your industry
    And more!
    Learn More

    Purchase & download the full report from our research store

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    trump nancy pelosi

    • A meeting between President Donald Trump and Democratic leaders on Friday included so many expletives that Trump reportedly apologized to House Speaker Nancy Pelosi.
    • The contentious gathering comes amid a partial government shutdown, now stretching past its second week, after Trump stressed he would not sign any short-term funding bill that does not include funding for his proposed border wall.
    • Trump reportedly mentioned "f--k" during the meeting at least three times and sought to reframe the shutdown, which is affecting 800,000 federal employees, as a worker "strike."

    A meeting between President Donald Trump and Democratic leaders on Friday included so many expletives that Trump later apologized to House Speaker Nancy Pelosi, an official familiar with the incident told The Washington Post on Friday.

    The meeting sought to break the impasse between Trump and Democratic leaders over funding for the president's proposed wall at the US-Mexico border.

    The contentious gathering comes amid a partial government shutdown, now stretching past its second week, after Trump stressed he would not sign any short-term funding bill that did not include funding for his wall — despite a bipartisan group of House members passing two bills that would extend funding and buy Congress more time.

    Trump reportedly mentioned "f--k" during the meeting at least three times, a source added in a Daily Beast report, and described the 800,000 federal employees who were working without pay as workers on "strike."

    The president harangued Pelosi for comments made by recently-elected Rep. Rashida Tlaib of Michigan, in which she referred to Trump and said "impeach the motherf---er," according to The Daily Beast.

    donald trump

    Democrats reportedly responded by suggesting Trump was using the government as his shield, and urged him to fund the government.

    Trump said in the meeting he was not using the shutdown "for leverage," but added, "I'm not going to get a deal unless I do this," a source told The Post.

    Following the meeting, Trump appeared optimistic during a press conference at the White House Rose Garden: "I thought it was really a very, very good meeting," Trump said. "We're all on the same path in terms of wanting to get government open."

    Trump's comments were contrasted by the Democrats', who gave an ominous outlook for the shutdown: "We told the president we needed the government open. He resisted," Senate Minority Leader Chuck Schumer of New York said.

    "In fact he said he would keep it closed for a very long period of time — months or even years."

    SEE ALSO: Ocasio-Cortez to GOP lawmakers who she claims booed her: 'Don't hate me cause you ain't me'

    Join the conversation about this story »

    NOW WATCH: Anthony Scaramucci claims Trump isn't a nationalist: 'He likes saying that because it irks these intellectual elitists'


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    The proliferation of e-commerce has transformed free shipping and same-day delivery from perks to table stakes — and retailers are paying the price. With daily parcel volumes surging and customers increasingly unlikely to foot the bill, companies have been tasked with finding new ways to offer speedy shipments without eating costs.

    last mile share of delivery costs

    Among the most popular strategies is crowdsourced delivery, the Uber model helping online shops solve the most expensive part of shipping: the last mile problem. Like Uber and other ride hailing apps, a number of crowdsourced delivery solutions have been cropping up over the past few years to ease these pains by connecting customers directly with local couriers. And it’s not just startups either; Amazon, the world's undisputed e-commerce leader, is investing big in crowdsourcing deliveries.

    How much does Amazon spend on shipping?

    “Free shipping” comes at a high cost. According to Amazon’s 2017 annual report, the company spent $21.7 billion in shipping last year — a number that includes sortation, delivery center, and transportation costs. This is nearly double the $11.5 billion it spent on shipping in 2015. And as the expectation of free, same-day delivery becomes the standard for online consumers, even giants like Amazon need to seek alternative solutions.

    The crowdsourcing solution to the last mile problem

    The last mile of delivery is the most expensive and time-consuming part of fulfillment for retailers and their logistics partners, comprising 53% of the overall cost of shipment. Crowdsourcing takes the onus off of companies, instead connecting customers directly with local couriers to expedite deliveries and cut down on costs.

    The crowdsourcing model is already popular among meal and grocery delivery and, seeing the success of startups like Uber, Airbnb, and GrubHub, e-commerce retailers are now eyeing it to fulfill their online orders. As a result, general use crowdsourced delivery companies have emerged to meet this need.

    Here’s a look at how three companies - Amazon Flex, Hitch, and Deliv - are trying their hand in the shipping industry — and what’s coming up next.

    Amazon Flex - Deliver with Amazon

    Launched in 2015 and piloted in Seattle, Amazon Flex lets customers order and receive packages through its on-demand delivery service, Prime Now, which guarantees free one- and two-hour deliveries. For Prime customers with already high expectations for prompt delivery, not much changes; the service primarily markets itself as a side gig for couriers.

    Amazon Flex

    For the most part, the app is only open to people who have cars (except in select regions allowing commercial bicycles), so those who want to make deliveries on bike or foot might have to look elsewhere. The service is particularly attractive to rideshare drivers who may want to make extra money without having strangers or potentially disruptive passengers in their cars. Anyone 21 or older with a smartphone, car, and valid driver’s license can log into the app and schedule their availability to start making deliveries.

    Shipments can originate at an Amazon location, store, or restaurant. Drivers use their smartphone camera and GPS to scan packages and get turn-by-turn directions to their destinations. As long as they deliver the package within the allotted time frame, couriers make $18-25 an hour — all through a cashless transfer to their digital wallet on the app.

    Learn more about Amazon Flex.

    Hitch - Crowdsourced Delivery

    Hitch

    Founded in 2014, Tampa-based startup Hitch gives consumers, “the choice to be Shippers, Travelers, or both.” The platform touts “turning your commute into cash” by pairing up shippers (the people placing the orders) with travelers (the local couriers) who are already heading in the direction of the delivery.

    Users create profiles on the app to join the socially vetted community, where they can then rate one another and verify their accounts by adding bank account information. Shippers put out requests to have packages delivered, and Travelers can input travel information to see if there are any available deliveries along their route.

    The app uses GPS to find the quickest route and provide tracking, as well as camera functionality to show proof of delivery. All payments are exchanged through Hitch’s third-party payment processing partner, Stripe.

    Learn more about Hitch.

    Deliv - Same-Day Delivery

    Deliv is a general use last mile solution offering same-day service to over 4,000 omnichannel businesses in 35 cities across the country. Some of its biggest partners include Macy’s, Best Buy, Walmart, and IBM.

    Deliv Fresh

    Rather than just fulfilling ad hoc deliveries for consumers, Deliv seeks to be a long-term business partner solving companies’ last mile problem — evidenced by its breakdown into Deliv Small Business, Deliv Enterprise, and Deliv Fresh for groceries. It offers SLAs, performance metrics, and integrations into business’ online checkout processes.

    And the company is growing. In February, 2018, it launched Deliv Rx to extend these same-day services to patients, doctors, pharmacies, hospitals, labs, and clinics. Deliveries can include things like prescriptions, x-rays, medical equipment, documents, and even pet medicine.

    Learn more about Deliv.

    Growth & Future of Crowdsource Shipping

    Want to learn more? The Crowdsourced Delivery Report from Business Insider Intelligence examines the rise of the crowdsourcing model in the last mile delivery space.

    In this report, we detail the top use cases for crowdsourced deliveries, as well as the benefits and challenges of using this model for delivering online orders. We also provide insights into how to optimize crowdsourced deliveries for e-commerce and, lastly, we explain the long-term potential of startups appearing in the crowdsourced delivery space as automation plays a bigger role.

    Here are some of the key takeaways from the report:

    • Retailers are looking for ways to deliver goods faster to consumers' doorsteps to stave off Amazon's threat and meet customer expectations.
    • To accomplish that, retailers and delivery providers are zeroing in on the "last mile" of fulfillment, the most expensive and time-consuming part of the delivery process, which is when a package reaches the customer's address.
    • Startups like Postmates, Instacart, and others are looking to disrupt the last mile delivery space by leveraging the "Uber model," and connecting businesses to non-professional couriers who can deliver goods instantly.
    • Crowdsourcing can drastically speed up deliveries in urban areas, where there is a high density of deliveries and potential couriers to be matched.
    • However, as delivery volumes increase, crowdsourced delivery startups will need to further optimize their deliveries to improve cost efficiencies.
    • Many of the deliveries these startups perform today will likely be automated in the future, raising the possibility that these startups may eventually look to incorporate new technologies like delivery drones or self-driving delivery vehicles.

    In full, the report:

    • Details the factors driving investment and growth in crowdsourced delivery startups.
    • Examines the benefits and drawbacks of using crowdsourcing to deliver online orders.
    • Explains how crowdsourced delivery startups can improve their cost efficiencies to tackle greater delivery volumes.
    • Explores the role that crowdsourcing will play in the future of delivery once automated delivery options, like drones and robots, arrive.

    Subscribe to an All-Access pass to Business Insider Intelligence and gain immediate access to:

    This report and more than 250 other expertly researched reports
    Access to all future reports and daily newsletters
    Forecasts of new and emerging technologies in your industry
    And more!
    Learn More

    Purchase & download the full report from our research store

     

    Join the conversation about this story »


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    The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

    download

    • Drugstore staple Aquaphor can be used on the under-eye area and face to lock in skin's moisture, especially in the dry winter months, for under $10.
    • A study published in the British Journal of Dermatology has found a link between dry and skin and wrinkles, and Aquaphor delivers a level of hydration that can keep fine lines from forming.
    • It can also be used as a balm for dry skin, dermatitis, and scrapes.

    Years ago, I worked as a journalist on the entertainment news beat — which meant I spent a good amount of time face to face with impossibly beautiful actresses, singers, and socialites. In person, these women were even more flawless than you can imagine: perfect, plump skin, no fine lines in sight, and an otherworldly glow that can't be attributed to highlighter (or an Instagram filter) alone.

    Luckily, the bulk of my job involved interviewing celebs about their beauty must-haves, and I paid special attention anytime anti-aging products came up in conversation. I always expected my high-profile interviewees to rattle off a long list of luxury serums, moisturizers, and creams that I couldn't afford (or maybe even pronounce); and most of the time, that's exactly what happened.

    Until the day one of Hollywood's elite (who shall remain nameless — a journalist never reveals her sources, after all) confided in me her surprisingly low-key anti-aging eye treatment: Aquaphor, an under-$10 drugstore staple that you probably already have in your bathroom cabinet.

    I admit that Aquaphor seems like an unexpected choice for eye care. The mineral-packed jelly is actually intended to heal cracked hands and feet or treat minor scrapes, and doesn't boast any fine line-fighting skincare ingredients like retinol or vitamin C. However, its ability to cover the outermost layer of skin with a watertight seal and lock in hydration makes it an anti-aging agent, as well.

    Why? Because hydration has been shown to be the most important factor in remaining wrinkle-free. One study published in the British Journal of Dermatology observed a group of 122 women over a period of eight years, and found that over time, well-moisturized skin looks significantly younger than dry skin. In fact, subjects with hydrated skin saw only 22% more wrinkles over eight years, while participants with dry skin saw 52% more wrinkles. In other words, moisturization (along with sun protection, of course) is the key to bouncy, younger-looking skin — and Aquaphor is nothing if not extremely moisturizing.

    A quick peek at the ingredients list proves it: With petrolatum as its base, Aquaphor creates a water-protective barrier around the area of application to help the skin retain moisture. It also includes hydration-sealing emollients like natural mineral oil and lanolin, and a waxy mineral substance called cerasin, which makes the formula safe for sensitive skin. Finally, Aquaphor is packed with pathenol, a derivative of vitamin B that stimulates skin cell regeneration, and chamomile, a natural anti-inflammatory.

    It's worth noting that Aquaphor doesn't add hydration; it simply prevents a natural function known as Transepidermal Water Loss (or TEWL), in which water evaporates from the skin. This process speeds up as you age, leading to drier, thinner skin — aka fine lines, wrinkles, and sagging. By keeping your moisture levels locked and sealed, Aquaphor basically defies the forces of time and nature. (Traditional moisturizers act in pretty much the opposite way — they add moisture, but don't seal it in.)

    While all of that sounds great, I'll be the first to say that applying Aquaphor as an eye cream is not the most user-friendly experience. The thick, jelly-like texture is slippery and goopy and doesn't exactly sink into the skin; but the payoff is so, so worth it. I've been using this as my go-to eye treatment every night since this celebrity spilled her secret, and my skin has never looked more hydrated or glowing.

    I reach for Aquaphor to treat any dry patches of atopic dermatitis that pop up — they're always gone by morning — and have even been known to slather a light layer on my cheekbones and brow bones during the day as a subtle highlighter. Aquaphor is also my #1 in-flight hydration hack. Frequent fliers, take note: I slather my face in the stuff after boarding, and by touch-down I'm the glowiest girl on the plane.

    I can't get enough: I keep an extra-large jar in my bathroom, and travel-size tubes in my pockets, purses, and bedside table. With the weather getting colder and skin getting drier, I suggest stockpiling Aquaphor to keep the delicate under eye area plump and hydrated. You've got nothing to lose (except $10).

    Buy the Aquaphor Healing Ointment for $9.96 (7 oz.) at Amazon.

    Buy the Aquaphor Healing Ointment for $4.99 (1.75 oz.) at Ulta and Target.

    Join the conversation about this story »


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    COUNCIL BLUFFS, IOWA - JANUARY 04: Sen. Elizabeth Warren (D-MA) greets potential voters during a campaign stop at McCoy's Bar Patio and Grill on January 4, 2019 in Council Bluffs, Iowa. Warren announced on December 31 that she was forming an exploratory committee for the 2020 presidential race. (Photo by Scott Olson/Getty Images)

    • Massachusetts Sen. Elizabeth Warren addressed the DNA test she conducted to show she has Native American ancestry.
    • Warren made the comments during her first trip through Iowa after launching her exploratory committee to run for president in 2020.
    • Warren emphasized the difference between "ancestry" and "tribal citizenship." 

    Sen. Elizabeth Warren addressed the DNA test she revealed to show she could have Native American ancestry while on the campaign trail in Iowa, days after launching her exploratory committee to run for the Democratic presidential nomination in 2020.

    During a town hall event, an audience member asked Warren about the DNA test and if it gave President Donald Trump "fodder to be a bully," Politico reported.

    Read more: Meet the 2020 presidential contenders who are poised to start campaigning right away in 2019

    "I can’t stop Donald Trump from what he’s gonna do," Warren said of Trump, who often calls her "Pocahontas" to mock her claims of a Native American lineage. "I can’t stop him from hurling racial insults. I don’t have the power to do that."

    "I am not a person of color. I’m not a citizen of a tribe. Tribal citizenship is very different from ancestry," she added. "Tribes and only tribes determine tribal citizenship and I respect that difference. I grew up in Oklahoma and like a lot of folks in Oklahoma, we heard the family stories of our ancestry."

    Warren noted that she revealed the DNA test results last year because it had become such a dominant issue from Republican critics during her 2012 Senate campaign.

    "And so my decision was, we’re just going to put it all out there," she said.

    In her teaching career, Warren repeatedly categorized herself as a minority, specifying that she was Native American. Critics have made allegations that Warren used her claimed heritage to gain advantages in academia, despite a lack of official ties to any tribe. The criticism has become a pain-point for Warren as she ramps up her campaign for president.

    SEE ALSO: Democrats warn that a formal request for Trump's tax returns may not come quickly

    Join the conversation about this story »

    NOW WATCH: Anthony Scaramucci claims Trump isn't a nationalist: 'He likes saying that because it irks these intellectual elitists'


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    The healthcare industry is in a state of disruption. Digital solutions are becoming a necessary part of the new global standard of care for patients and regulation is being fast-tracked to catch up to digital health innovation.

    Digital Health

    These rapid changes will have ripple effects across the entire healthcare system, impacting incumbents and new entrants alike.

    Based on our ongoing analysis, understanding of industry trends, and conversations with industry executives, Business Insider Intelligence, Business Insider’s premium research service, has put together The Top Five Trends Shaping The Future of Digital Health.

    To get your copy of this free report, click here.

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    • Life insurance is fundamentally hard to sell; it’s morbid to think about, promises no immediate rewards, and often requires a lengthy paper application with minimal guidance.
    • Despite the popularity of personalized products in other areas of finance and fintech, life insurance largely remains unchanged.
    • A small, but growing pocket of insurtech startups are shaking up the status quo by finding ways to digitize life insurance and increase its appeal.

    Life insurance is a fundamentally difficult product to sell; it requires people to think about their deaths without promising any immediate returns.

    Life Insurance Graphic

    And, despite tech innovations and the development of personalized services in other areas of finance, life insurance remains largely unchanged.

    Luckily, there is a small but growing pocket of insurtech startups looking to modernize it. These companies are finding ways to digitize life insurance to  appeal to consumers — and they’re giving incumbents the opportunity to revamp traditional offerings, either by partnering with them or using their technology.

    Business Insider Intelligence, Business Insider's premium research service, has forecasted the shifting landscape of life insurance in the The Future of Life Insurance report. Here are the key problems insurtechs are tackling:

    • Lack of education: Forty percent of US consumers told the Life Insurance and Market Research Association (LIMRA) that they feel intimidated by the life insurance application process, often drastically overestimating its cost and facing uncertainty about how much or which type of coverage to buy.
    • Inconvenient application process: It can take weeks or months for coverage to take effect because of the sheer number of meetings and parties combing through paperwork in each round of the application process. The risk for the insurer often warrants reviews from the carrier, a team of underwriters, a broker, and even a medical examiner.
    • Low customer loyalty: Life insurance tends to be a “set it and forget it” type of purchase, with very few people revisiting it after buying. Insurers and consumers therefore have limited contact for most of the relationship — with the exception of an annual bill, of course.
    • Inefficient data management and processing: The aggregate data life insurers rely on is typically fed into algorithms that make broad assumptions about particular populations, and often incorporate outdated medical documentation — all of which can delay applications and result in unnecessary rejections.

    Want to learn more?

    The need for modernization in life insurance is clear: Overall sales are slowing and policy ownership is hitting record lows. And because it’s such a tightly-regulated space, innovation from incumbents has stagnated — but they’re not helpless. Consumer-focused and insurer-focused startups have emerged to offer new technologies and process improvements.

    The Future of Life Insurance report from Business Insider Intelligence looks at the two main strategies life insurtechs are adopting to drive change in this market, for the benefit of both buyers and sellers. In full, the report discusses best practices incumbents and startups should adopt to steer clear of the risks attached to applying emerging technologies to such a tightly regulated product.

    Insurtech startups will soon set new industry standards and consumer expectations around this complex product. That, in turn will serve as a catalyst for innovation among legacy players.

    Companies included in this report: Ladder, Haven Life, Getsurance, Tomorrow, Fabric, Atidot, AllLife, Royal London, Polly, Life.io, Legal & General, Vitality, Discovery, John Hancock, Dai-ichi Life.

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    DENVER, COLORADO - JANUARY 01: Enes Kanter #00 of the New York Knicks plays the Denver Nuggets at the Pepsi Center on January 01, 2019 in Denver, Colorado. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement.(Photo by Matthew Stockman/Getty Images)

    • New York Knicks center Enes Kanter is skipping the team's trip to London, fearing retribution from the Turkish government.
    • Kanter is an opponent of Turkish President Recep Tayyip Erdogan, who has had his passport revoked and arrested his father.

    LOS ANGELES (AP) — New York center Enes Kanter will not travel to London for the Knicks' upcoming international game because he believes he could be assassinated because of his opposition to Turkish President Recep Tayyip Erdogan.

    Kanter announced his plan Friday night after the Knicks' 119-112 win over the Lakers.

    "Sadly, I'm not going because of that freaking lunatic, the Turkish president," Kanter told ESPN. "There's a chance that I can get killed out there. So that's why I talked to the [Knicks'] front office. I'm not going."

    "It's pretty sad that just all this stuff affects my career and basketball, because I want to be out there helping my team win," he added. "But just because of that one lunatic guy, one maniac or dictator, I can't even go out there and just do my job. So it's pretty sad."

    Kanter will stay in New York while the Knicks travel to face Washington in London on Jan. 17. He says he can't travel anywhere except the U.S. and Canada because "there's a chance I could get killed out there."

    Kanter has been a vocal critic of Erdogan for years, and his Turkish passport was revoked last year. Kanter is a follower of a U.S.-based Turkish cleric accused of masterminding a failed military coup in 2016. His father was arrested by Turkish authorities in 2017 as part of their investigation into the cleric. Kanter says the arrest was because of his own statements. 

     

    SEE ALSO: Elizabeth Warren addresses DNA test and Native American heritage during Iowa trip: 'Tribal citizenship is very different from ancestry'

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    NOW WATCH: 7 things you shouldn't buy on Black Friday


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    Nancy Pelosi

    • Nancy Pelosi defended Rashida Tlaib after the freshman congresswoman said Democrats were "going to impeach the motherf---er."
    • "I don't think it's anything worse than what the president has said," Pelosi said on Friday.
    • Tlaib faced some backlash after the statement from some Republicans and the president himself.

    Speaker of the House Nancy Pelosi doesn't have a problem with the profanity-laced call for impeachment freshman congresswoman Rashida Tlaib directed at President Donald Trump.

    "I probably have a generational reaction it, but in any event I'm not in the censorship business,"she told Joy Reid at an MSNBC Town Hall on Friday. "I don't like that language, I wouldn’t use that language, I don't again establish any language standards for my colleagues. But I don't think it's anything worse than what the president has said."

    The House speaker was responding to a question from Reid about Tlalib's assertion that Democrats were "going to impeach the motherf---er," referencing Trump.

    Read more: 'We're going to impeach the motherf---er': Rep. Rashida Tlaib made a strident anti-Trump speech hours after being sworn in

    Tlaib faced some backlash after the statement from some Republicans and the president himself. "I think she dishonored herself and I think she dishonored her family,"he said on Friday.

    It also placed some Democrats, who worry about political optics of prematurely calling for impeachment, in an uncomfortable position. Jerrold Nadler, chairman of the House Judiciary Committee, called conversations about impeachment premature.

    "I disagree with what she said. It is too early to talk about that intelligently. We have to follow the facts,"The New York Times reported. 

    Pelosi defended Tlalib, and chalked up some of the backlash to gendered beliefs about the way women should speak.

    "If she were a man would they be making a fuss right now?" Pelosi said Friday.

    You can watch the full interview here >>

    SEE ALSO: Trump says Rep. Rashida Tlaib 'dishonored' her family, disrespected US by saying 'impeach the motherf---er'

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    NOW WATCH: Anthony Scaramucci claims Trump isn't a nationalist: 'He likes saying that because it irks these intellectual elitists'


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    autonomous trucking graphic

    This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here. Current subscribers can read the report here.

    Trucking is set to transform radically in the coming years, with innovative technologies enabling trucks to take over more and more driving responsibilities, saving time and money for operators and businesses that rely on shipping.

    Autonomous trucks are being tested on roads around the world, and systems from startups like Peloton and Embark could make their way into commercial trucks as soon as next year. Fleets will be able to leverage autonomous technologies to cut costs and gain a critical edge over competitors.

    But to start planning for, and to eventually implement, those technologies, companies need to know what sorts of systems will be ready and when, and what regulatory hurdles will need to be overcome to get autonomous trucks on the road. 

    In The Autonomous Trucking Report, Business Insider Intelligence provides an early glimpse into the emerging autonomous trucking market. First, we look at the trucking market as it stands today, offering a basic profile of the industry and highlighting a number of the challenges and issues it faces. Then, we go through the three waves of autonomous technology that are set to upend the industry — platooning, semi-autonomous systems, and fully autonomous trucks — looking at who is making strides in each of these areas, when the technology can be expected to start making an impact, and what companies can do to get ahead of the curve.

    Here are some of the key takeaways:

    • Advanced and autonomous technology will enable operators and shipping firms to eradicate some of the challenges that have long plagued them. Trucks will take over more and more driving responsibilities, saving time and money for operators and businesses that rely on shipping.
    • The impact of autonomous technologies on the trucking industry will come in three major waves: platooning or fuel-saving vehicle convoys, semi-autonomous highway control systems, and fully autonomous trucks.
    • Change to the trucking industry will be gradual but inexorable. Companies with foresight can start to make long-term plans to account for the ways that autonomous technologies will change how goods and products move from place to place.

    In full, the report:

    • Analyzes the development of autonomous trucking technology.
    • Explains the waves in which advanced and autonomous technologies will start to impact the trucking industry, providing detailed explanations of how a company can take advantage of the disruptive technology transforming logistics at each stage.
    • Profiles the efforts of the companies that are at the forefront of new technology in trucking, looking at what they're working on and when their efforts could start to impact the market.

    To get this report, subscribe to a Premium pass to Business Insider Intelligence and gain immediate access to:

    This report and more than 275 other expertly researched reports
    Access to all future reports and daily newsletters
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    And more!
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    drake

    • Drake is at the center of controversy after an old video of the rapper surfaced where he kisses and fondles a 17-year-old fan onstage. 
    • The video sparked backlash at the rapper, who is 32 years old, in the latest outpouring of concern over his encounter with a woman under 20. 
    • The controversy over the video comes around the time of a resurgence in the discussion concerning musicians' relationships with much-younger women. 

    Drake is at the center of a resurged discussion about musicians and relationships with much-younger women after an old video of the rapper closely dancing with and kissing a 17-year-old surfaced on Twitter.

    The video, which was taken at a concert two years ago, captures the rapper inviting a female fan onstage. After dancing with her, the rapper kisses her and touches her breasts in front of the cheering crowd.

    He then asks how old she is, and reacts along with the laughing crowd when she answers 17.  

    "I can't go to jail yet, man!" shouts Drake, to amused cheers from the crowd. "Why do you look like that?!"

    "Well look, I had fun," he continues. "I don't know whether I should feel guilty or not, but I had fun. I like the way your breasts feel against my chest. I just want to thank you."

    After kissing her face several more times, the rapper sends her offstage.  

    The encounter provoked a wave of comments on social media, many of which referenced "Surviving R. Kelly" a documentary series by Lifetime that portrays allegations against the singer as part of what accusers have called a "sex cult."

    The series is the harshest look yet at the R&B singer who enjoyed massive success even after he wed now-deceased pop star Aaliyah when she was 15 and had a sex tape leaked that showed him with a 14-year-old girl. Though the singer was later arrested on child pornography charges, he continued to work as a musician, collaborating with major artists. 

    Read more: The complete timeline of Drake's rise to stardom, from starring on 'Degrassi' to his record-breaking reign as a rapper

    Many who took issue with the video of Drake compared his encounter with the 17-year-old to Kelly's behavior.

    Writer and professor Eve Ewing pointed out on Twitter that "people are not asking questions that should be asked" about the rapper's conduct and relationships.

    Drake has raised concern in the past

    Millie Bobby Brown, the 14-year-old actress of Stranger Things fame, said in September on the Emmys red carpet that she was friends with the rapper, who she called "a great friend and a great role model."

    "We just texted each other the other day, and he was like, 'I miss you so much,' and I was like, 'I miss you more,'" she said.

    After outcry from users across social media who found her comments suspect, Brown defended her friendship with the rapper, calling concern "weird." 

    The criticism that followed Brown's description of their relationship was most likely fueled by Drake's previous connection to 18-year-old model Bella Harris, who he has reportedly known for years.

    The pair's relationship can be traced through her Instagram posts, which include pictures of her backstage at various concert venues where he performed on his past few tours.

    Harris was 16 in a photo posted during the rapper's 2016 tour.

    last night w this legend💙🤘🏼 #revengetour

    A post shared by Bella B Harris (@bellabharris) on Sep 28, 2016 at 7:51am PDT on

    She later posted a photo in August 2018 of the two hugging backstage at Madison Square Garden, which stoked rumors the two were dating.

    no place I’d rather be 💙

    A post shared by Bella B Harris (@bellabharris) on Aug 24, 2018 at 10:06pm PDT on

    Page Six later reported Drake having dinner with an unidentified woman in Washington DC, and Harris denied the suggestion it was her.

    Though the true nature of their relationship is unclear, Harris' posts depicted her as the second woman nearly half Drake's age to show off a close relationship with the rapper. 

    Join the conversation about this story »

    NOW WATCH: The true story behind the name 'Black Friday' is much darker than you may have thought


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    • Voice assistants like Amazon's Alexa, Google's Assistant, Apple's Siri, and Microsoft's Cortana, are pegged to trigger a widespread transformation across the retail industry in the years to come.
    • The current interest in, and adoption of, voice assistants for commerce is being driven by recent technological breakthroughs, advantages of the tech over existing channels, and the development of voice apps.
    • As consumer demand for voice technology mounts, brands offering this functionality throughout the entire customer journey stand to gain in three key ways.

    Not too long ago, if your friend had a smart speaker like Amazon’s Alexa or Google's Assistant in their living room, it seemed like a rare novelty. Within a matter of months, however, smart speakers have started becominghousehold staples — and they’re still only at a fraction of their growth potential.

    US Consumers Use Voice Assistants Throughout the Entire Shopping Journey

    One of the biggest drivers of adoption has been increased functionality. Smart speakers aren’t just changing the music and turning on the lights; they’re helping consumers find new products and make purchases — and they’re quickly becoming a preferred method of shopping.

    In fact, nearly a quarter of consumers globally already prefer using a voice assistant over going to a company website or mobile app to shop. This share will jump to 40% by 2021, according to Capgemini.

    Consumers are on board with the prompt, convenient nature of shopping with smart speakers — and brands who join them stand to reap massive rewards. The Voice in Retail Report from Business Insider Intelligence, Business Insider’s premium research service, highlights the value voice brings to the shopping funnel and how retailers can implement it throughout the customer journey.

    Here are three ways brands can capture consumers with voice technology:

    • Driving product purchases: Voice assistants make spending faster and easier when consumers are unable to use their hands. The ability to make a purchase on any channel and the addition of personalized, intelligent elements to the shopping experience are simplifying the transition from product discovery to product purchase.
    • Heightening customer loyalty: Brands can leverage voice assistants in the post-purchase phase to track delivery status, automate part of the return process, interact with customer service, offer feedback, and collect consumer behavioral and transactional data.
    • Shifting consumers’ spending behaviors: Smart device ownership has a snowball effect, so as the smart device ecosystem reaches the mainstream, consumers will flock to connected cars, smart home devices and appliances, and connected virtual reality and augmented reality (VR/AR) headsets.

    Want to Learn More?

    Shoppers are interested in using voice assistants for every stage of the customer journey, from initial product search and discovery to post-purchase customer service and delivery status. And retailers that take advantage of consumers’ desire to leverage voice will be in a stronger position to heighten customer engagement, increase conversion times, drive sales, and boost operational efficiency.

    The Voice in Retail Report from Business Insider Intelligence examines the trends driving the adoption of voice commerce, details the role of voice throughout the customer shopping journey, outlines how brands can benefit from implementing voice in their strategies, and explores what's ahead for the technology in retail.

     

     

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    trump pence

    • Vice President Mike Pence and other senior Trump administration officials met on Saturday with Democratic congressional staffers about the ongoing government shutdown.
    • Trump said the meeting made "not much headway" and his press secretary said "little progress was made."
    • But Pence's office called the meeting "productive."

    Vice President Mike Pence and other senior Trump administration officials met on Saturday with Democratic congressional staffers to try to break a deadlock over a proposed border wall and end a two-week-old partial government shutdown.

    But Pence and President Donald Trump seemed to disagree about the progress made.

    The meeting yielded little progress, acting White House chief of staff Mick Mulvaney told CNN. Mulvaney blamed Democrats for the lack of progress.

    "I thought we had come in to talk about terms that we could agree on, places where we all agreed we should be spending more time, more attention, things we could do to improve our border security," he told CNN's Jake Tapper. "And yet the opening line from one of the lead Democrat negotiators was that they were not there to talk about any agreement."

    Trump also indicated the meeting didn't make any progress. "V.P. Mike Pence and team just left the White House. Briefed me on their meeting with the Schumer/Pelosi representatives. Not much headway made today. Second meeting set for tomorrow. After so many decades, must finally and permanently fix the problems on the Southern Border!"he tweeted.

    Readmore: SHUTDOWN SHOWDOWN: Trump threatens to close the government for 'months or even years' to get border-wall funding

    donald trump

    But a pool report from Pence's office painted the meeting in more optimistic terms and called the conversation "productive." The report said Democrats at the meeting "requested further details in writing on needs" of the Department of Homeland Security in order to come to an agreement, and Pence's office said further information would be provided to Democrats tonight or tomorrow.

    Trump is demanding $5.6 billion to build a wall along the US-Mexico border, but Democrats in control of the House of Representatives this week passed a bill to reopen the government without providing additional funding for the wall.

    Trump has said he will not sign the bill until he gets the money for the wall.

    With the two sides sticking to their positions, a quarter of the federal government has been closed for two weeks, leaving 800,000 public workers unpaid.

    Before entering the talks on Saturday, Pence tweeted that the administration's goal was not just to end the shutdown but "to provide funding to end the crisis at our southern border, achieve real border security & to build the wall!"

    Read more: Trump goes off the rails in freewheeling news conference raging about the shutdown, the border wall, DACA, and Democrats

    chuck schumer nancy pelosi

    Jared Kushner, Trump's son-in-law and a senior adviser, also attended the meeting at the White House, along with Homeland Security Secretary Kirstjen Nielsen and Mulvaney. They were negotiating with senior staff for the top Democrats in Congress.

    Nancy Pelosi, the new Democratic speaker of the House of Representatives, said this week that Trump's proposed wall was "immoral" and a "waste of money."

    Trump reiterated his demand for a border wall in a series of tweets on Saturday.

    "The Democrats could solve the Shutdown problem in a very short period of time," Trump said. "All they have to do is approve REAL Border Security (including a Wall), something which everyone, other than drug dealers, human traffickers and criminals, want very badly!"

    Trump threatened on Friday to take the step of using emergency powers to build the wall without Congress' approval. Such a move would almost certainly be met with legal challenges.

    Join the conversation about this story »

    NOW WATCH: The legendary economist who predicted the housing crisis says the US will win the trade war


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    AI Drive Revenue

    This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

    Major logistics providers have long relied on analytics and research teams to make sense of the data they generate from their operations.

    But with volumes of data growing, and the insights that can be gleaned becoming increasingly varied and granular, these companies are starting to turn to artificial intelligence (AI) computing techniques, like machine learning, deep learning, and natural language processing, to streamline and automate various processes. These techniques teach computers to parse data in a contextual manner to provide requested information, supply analysis, or trigger an event based on their findings. They are also uniquely well suited to rapidly analyzing huge data sets, and have a wide array of applications in different aspects of supply chain and logistics operations.

    AI’s ability to streamline so many supply chain and logistics functions is already delivering a competitive advantage for early adopters by cutting shipping times and costs. A cross-industry study on AI adoption conducted in early 2017 by McKinsey found that early adopters with a proactive AI strategy in the transportation and logistics sector enjoyed profit margins greater than 5%. Meanwhile, respondents in the sector that had not adopted AI were in the red.

    However, these crucial benefits have yet to drive widespread adoption. Only 21% of the transportation and logistics firms in McKinsey’s survey had moved beyond the initial testing phase to deploy AI solutions at scale or in a core part of their business. The challenges to AI adoption in the field of supply chain and logistics are numerous and require major capital investments and organizational changes to overcome.

    In a new report, BI Intelligence, Business Insider's premium research service, explores the vast impact that AI techniques like machine learning will have on the supply chain and logistics space. We detail the myriad applications for these computational techniques in the industry, and the adoption of those different applications. We also share some examples of companies that have demonstrated success with AI in their supply chain and logistics operations. Lastly, we break down the many factors that are holding organizations back from implementing AI projects and gaining the full benefits of this disruptive technology.

    Here are some of the key takeaways from the report:

    • The current interest in and early adoption of AI systems is being driven by several key factors, including increased demands from shippers, recent technological breakthroughs, and significant investments in data visibility by the industry’s largest players.
    • AI can deliver enormous benefits to supply chain and logistics operations, including cost reductions through reduced redundancies and risk mitigation, improved forecasting, faster deliveries through more optimized routes, improved customer service, and more.
    • Legacy players face many substantial obstacles to deploying and reaping the benefits of AI systems, though, including data accessibility and workforce challenges.
    • AI adoption in the logistics industry is strongly skewed toward the biggest players, because overcoming these major challenges requires costly investments in updating IT systems and breaking down data silos, as well as hiring expensive teams of data scientists.
    • Although AI implementations are unlikely to result in large-scale workforce reductions in the near term, companies still need to develop strategies to address how workers' roles will change as AI systems automate specific functions.

     In full, the report:

    • Details the factors driving adoption of AI systems in the supply chain and logistics field.
    • Examines the benefits that AI can deliver in reducing costs and shipping times for supply chain and logistics operations.
    • Explains the many challenges companies face in implementing AI in their supply chain and logistics operations to reap the benefits of this transformational technology.

    Interested in getting the full report? Here are two ways to access it:

    1. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >>Learn More Now
    2. Purchase & download the full report from our research store. >> Purchase & Download Now

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    This is a preview of the Internet of Things (2018) research report from Business Insider Intelligence. To learn more about the IoT ecosystem, tech trends and industry forecasts, click here.

    The Internet of Things (IoT) is transforming how companies and consumers go about their days around the world. The technology that underlies this whole segment is evolving quickly, whether it’s the rapid rise of the Amazon Echo and voice assistants upending the consumer space, or growth of AI-powered analytics platforms for the enterprise market.

    Investments into Internet of Things solutions

    And Business Insider Intelligence is keeping its finger on the pulse of this ongoing revolution by conducting our second annual Global IoT Executive Survey, which provides us with critical insights on new developments within the IoT and explains how top-level perspectives are changing year-to-year. Our survey includes more than 400 responses from key executives around the world, including C-suite and director-level respondents.

    Through this exclusive study and in-depth research into the field, Business Insider Intelligence details the components that make up the IoT ecosystem. We size the IoT market and use exclusive data to identify key trends in device installations and investment. And we profile the enterprise and consumer IoT segments individually, drilling down into the drivers and characteristics that are shaping each market.

    Here are some key takeaways from the report:

    • We project that there will be more than 55 billion IoT devices by 2025, up from about 9 billion in 2017.
    • We forecast that there will be nearly $15 trillion in aggregate IoT investment between 2017 and 2025, with survey data showing that companies' plans to invest in IoT solutions are accelerating.
    • The report highlights the opinions and experiences of IoT decision-makers on topics that include: drivers for adoption; major challenges and pain points; deployment and maturity of IoT implementations; investment in and utilization of devices; the decision-making process; and forward- looking plans.

    In full, the report:

    • Provides a primer on the basics of the IoT ecosystem.
    • Offers forecasts for the IoT moving forward, and highlights areas of interest in the coming years.
    • Looks at who is and is not adopting the IoT, and why.
    • Highlights drivers and challenges facing companies that are implementing IoT solutions.

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    Baker Mayfield

    • Eight NFL teams are heading into the offseason in search of a new head coach.
    • Some candidates in high demand could have their pick of available gigs.
    • Looking at the situation of each franchise, it's clear that two teams are far better opportunities than any other in the NFL.

    The 2018 NFL regular season is in the books, with 12 teams left to compete for their spot in Super Bowl LII and the rest of the league preparing for next year.

    For many teams whose season is over, that means cleaning shop, and on this week's proverbial "Black Monday," a whopping six teams chose to let go of their head coaches in favor of searching for another candidate for the job.

    Combined with the midseason firings, there are eight head coaching positions to be filled, and a plethora of candidates that includes former coaches, current college coaches, and coordinators hoping to make the leap.

    While there are only so many NFL head-coaching jobs, not all are created equal. Depending on the state of the franchise — it's young players, cap space, and the influence of ownership — some jobs look much more enviable heading into the 2019 season.

    Below we break down the most enticing jobs in the NFL and some of the candidates rumored to be in the mix to fill them.

    8. Miami Dolphins

    2018 record: 7-9

    Rumored candidates: Chiefs offensive coordinator Eric Bieniemy, Patriots defensive coordinator Brian Flores, Dolphins special teams coordinator Darren Rizzi

    Why they're interested: You have to start your NFL head coaching career somewhere and all of the names currently set to interview for the Miami job so far would be first-time head coaches in the league. With big questions across the board on offense, from a frustratingly average quarterback to a group of receivers and running backs that were quite vocal about their dislike of previous head coach Adam Gase, it will be far from an easy entrance into NFL head coaching.



    7. Cincinnati Bengals

    2018 record: 6-10

    Rumored candidates: Former Browns head coach Hue Jackson, former Broncos head coach Vance Joseph, Chiefs offensive coordinator Eric Bieniemy, Rams quarterbacks coach Zac Taylor, Patriots offensive coordinator Josh McDaniels

    Why they're interested: The Bengals have been stuck between being bad and mediocre for too long, and while the roster includes some studs such as A.J. Green and Joe Mixon, the team is far from a Super Bowl run. Still, the Bengals job is an opportunity to rebuild the team anew and comes with what must feel like a healthy amount of job security.



    6. Tampa Bay Buccaneers

    2018 record: 5-11

    Rumored candidates: Vikings defensive coordinator George Edwards, Chiefs offensive coordinator Eric Bieniemy, former Packers head coach Mike McCarthy

    Why they're interested: There's a good amount of talent in Tampa Bay, but even after a difficult year at the quarterback position, general manager Jason Licht recently made it clear that the team would be sticking with Jameis Winston moving forward. If that's something an incoming head coach is willing to work with, the Buccaneers job is rather enticing.



    See the rest of the story at Business Insider

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    bii top 5 startups to watch in digital health

    The healthcare industry is facing disruption due to accelerating technological innovation and growing demand for improved delivery of healthcare and lower costs. Tech startups are leading the way by seizing opportunities in the areas of the industry that are most vulnerable to disruption, including genomics, pharmaceuticals, administration, clinical operations, and insurance.

    Venture funds and businesses are taking notice of these startups' potential. In the US, digital health funding reached $1.6 billion in Q1 2018, according to Rock Health — the largest first quarter on record, surpassing the $1.4 billion in venture funding seen in Q1 2016. These high-potential startups provide a glimpse into the future of the healthcare space and demonstrate how we’ll get there.

    In this report, a compilation of various notes, Business Insider Intelligence will look at the top startups disrupting US healthcare in four key areas: artificial intelligence (AI), digital therapeutics, health insurance, and genomics. Startups in this report were selected based on the funding they've received over the past year, notable investors, the products they offer, and leadership in their functional area.

    Here are some of the key takeaways from the report:

    • Tech startups are entering the market by applying the “Silicon Valley” approach. They're targeting shortcomings and legacy systems that are no longer efficient.
    • AI is being applied across five areas of healthcare to improve clinical operation workflows, cut costs, and foster preventative medicine. These areas include administration, big data analysis, clinical decision support, remote patient monitoring, and care provision.
    • Health tech startups, insurers, and drug makers are rapidly exploring new ways to apply digital therapeutics to the broader healthcare market that replace or complement the existing treatment of a disease.
    • Health insurance startups are taking advantage of the consumerization of healthcare to threaten the status quo of legacy players. 
    • Genomics is becoming an increasingly common tool within the healthcare system as health organizations better understand how to extract the value from patients’ genetic data. 

     In full, the report:

    • Details the areas of the US health industry that show the greatest potential for disruption.
    • Forecasts the industry adoption of bleeding edge technology and how it will transform how healthcare organizations operate.
    • Unveils the top five startups in AI, digital therapeutics, health insurance, and genomics, and how they're positioned to solve big issues that key players in healthcare face. 
    • Explores what's next for the leading startups, providing a glimpse into the future of the healthcare space and demonstrating how we’ll get there.

    Subscribe to an All-Access pass to Business Insider Intelligence and gain immediate access to:

    This report and more than 250 other expertly researched reports
    Access to all future reports and daily newsletters
    Forecasts of new and emerging technologies in your industry
    And more!
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    Purchase & download the full report from our research store

     

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    The transportation and logistics industry is undergoing a massive shift as a result of surging deliveries. Daily parcel volumes are higher than ever before — but so are customers’ expectations for cheap and fast fulfillment. 

    UPS Leads the Pack with the Best Tracking Features

    To keep up with mounting demand, retailers and their logistics partners have been racing to develop more efficient processes with experimental supply chain models like crowdsourced delivery — the Uber model in which customers use mobile apps to connect directly with local couriers for on-demand or same-day fulfillment.

    And it’s not just startups like Deliv and Postmates getting in on the action. This year Amazon not only launched its own shipping service to deliver packages for other businesses (“Shipping with Amazon”) but also announced its “Delivery Service Partner” program, which provides capital incentives for people to launch their own delivery companies fulfilling orders on behalf of Amazon itself.

    With emerging delivery models like these aggressively stealing away customers, the pressure is on for legacy players like FedEx, UPS, the USPS, and the thousands of businesses who depend on them every day, to respond. But it will take more than just material resources or a large fleet of vehicles to truly compete. These companies need to earn the trust of consumers.

    Business Insider Intelligence, Business Insider’s premium research service, has obtained exclusive survey data to paint the 2018 delivery landscape and the trends of its major players. The findings comprise the team’s latest Enterprise Edge Report, The 2018 Delivery Trust Report, and give transportation, supply chain, and logistics companies the tools they’ll need to win back customers.

    Enterprise Edge Reports are the very best research Business Insider Intelligence has to offer in terms of actionable recommendations and proprietary data, and they are only available to Enterprise clients.

    In full, the study:

    • Uses proprietary consumer survey data to evaluate how the largest delivery companies in the US stack up on customer service, package tracking, package protection, and timeliness of delivery.
    • Assesses how at risk these providers are to new challengers entering the space.
    • Shares strategies on how delivery companies can achieve feature parity and, ideally, differentiation, in customer experience.

    So, which delivery features do consumers care about?

    First and foremost, speed. It makes sense that consumers value fast delivery, but did you know just how many of them prioritize this feature? According to a recent survey from Dropoff, it’s 99%. And with millions of packages delivered nationwide every single day, that’s a lot customers with high expectations.

    But customers don’t just want their packages delivered quickly; they want to follow the journey from store to doorstep. Another one of the most important offerings delivery companies boast is real-time tracking, with nearly 90% of consumers noting it in the Dropoff survey.

    Amazon package

    If they can get it right, tracking is a twofold advantage for delivery companies; it entices consumers who want to know when their packages are coming, and it appeals to merchant partners who might be willing to switch delivery service providers for the added visibility and customer benefit.

    And the field is still wide open for companies to differentiate on this feature. Among those who had a package delivered from UPS, FedEx, USPS, or DHL in the last year, nearly 30% of Business Insider Intelligence survey respondents couldn't actually say which company offered the best tracking features. Whether it means using mobile apps, SMS texting, or chatbots to communicate with customers, there’s plenty of opportunity for logistics companies to hone and become known for this feature.

    Want to learn more?

    This is just a snapshot of the Business Insider Intelligence 2018 Delivery Trust Report, which compiles the complete survey findings to dive deeper into the opportunities delivery companies have to engage and delight customers.

    The multi-part report also presents actionable insights that transportation and logistics companies can use to fight back against Amazon’s continuous push into deliveries.

     

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