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Apple Pay is changing the way we handle money with iOS 11

(TECH NEWS) The Apple Pay update coming out with iOS 11 is set to rival other money handling apps like Venmo and Paypal.

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Watchout world

In the first day of their annual developer conference, Apple announced new money-transferring features to Apple Pay.

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Features which will compete with other well-known services like Venmo and Paypal.

Transferring made easy

Though Apple Pay has been around for a while, it never gained the momentum that was expected. However with these changes, Apple anticipates to challenge the current money transferring services. When their operating system upgrades in the fall to iOS 11, the new feature will automatically appear in Apple messages.

This feature will allow users to send and transfer money via text.

It is definitely a more convenient solution than opening an external application however, like all Apple products, this service is exclusive. Apple Pay is only available to Apple users. So unlike competing applications, money can only be transferred to other iPhone, iPad or Apple Watch owners.

No account needed

In addition to the money transfer feature, Apple also introduced Apple Pay cash, their digital debit card. People can use the digital card to spend their transferred money and make Apple Pay purchases online and in physical locations that accept it.

This could be a way to expand Apple Pay usage by introducing it to a new generation.

This refers to younger iPhone or iPad users that do not have a debit or credit card yet.

Connect and go

To use the new Apple Pay features, people just need to connect a credit or debit card to their account in Apple Wallet. Similar to other services, a credit card will add an extra 3% fee.

After that, everything can be done by simply messaging someone.

Apple has also partnered with Green Dot prepaid credit card services to assist with the new capabilities. A spokesperson from the company has already predicted that the relationship will result in even more success. They are currently working with Apple as both the Program Manager and regulated bank partner to ensure easy, secure, and instant payment services.

Apple Pay

Perhaps the new features will make Apple Pay a valid competitor for other popular money transferring services.

However, without reach to a wider audience of non-Apple users, they will have to rely on current supporters to give the service a try.

#ApplePay

Natalie is a Staff Writer at The American Genius and co-founded an Austin creative magazine called Almost Real Things. When she is not writing, she spends her time making art, teaching painting classes and confusing people. In addition to pursuing a writing career, Natalie plans on getting her MFA to become a Professor of Fine Art.

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An industry first: IBM launches quantum developer certification program

(TECH NEWS) Developers with quantum computing skills can now prove they’ve mastered the subject with IBM’s first-ever Quantum Developer Certification.

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Quantum developer looking out of the window with a three monitor setup open to various coding programs.

Last week, IBM announced its first-ever developer certification for programming quantum computers, which is also the quantum industry’s first.

“Our team is extremely proud to be able to offer the first-ever quantum developer certification,” a company blog post read. “We hope its availability will provide a valuable learning path for developers and stakeholders looking to prepare themselves for quantum computing in the future.”

The IBM Quantum Developer Certification focuses on IBM’s software tools, specifically Qiskit, their open-source software development kit for quantum computing. Launched in 2017, Qiskit already has over 600,000 installs. And, it’s being used by developers to develop apps, improve code, and participate in hackathons and summer schools.

While the Quantum Developer Certification is the only quantum certification IBM offers now, it won’t be the last. IBM says it is “the first of several in a series of certifications.” This is part of the company’s quantum development roadmap to build a “diverse, global, cloud-based ecosystem of developers who can bring quantum computing skills to their own communities and industries.”

Offered through the Pearson VUE platform, the Quantum Developer Certification exam is 60 questions long. The exam will test a developer’s competency in the fundamentals of quantum computing concepts. Also, it will examine if a person can use Qiskit SDK from the Python programming language to “create and execute quantum computing programs on IBM quantum computers and simulators.”

This certification is exciting for the quantum community because it will officially demonstrate a person’s mastery of quantum computing. And, for the most part, I think most of us can agree that certifying your skills looks good on resumes, and it shows employers you’re serious about your career. However, getting one can be costly. Currently, IBM doesn’t have any scholarships in place, but they say they are working on rolling one out to those who are interested in getting certified.

Along with the certification, IBM is also supporting educators to prepare the future quantum workforce. They are giving educators access to IBM Quantum tools through their Quantum Educators Program and semester-long quantum computing course, Introduction to Quantum Computing and Quantum Hardware, and its free Qiskit digital textbook.

According to a report, quantum computing is predicted to become a $65 billion industry by 2030, and IBM wants to help companies “get their workforce quantum ready” for when it does.

“With our IBM Quantum Developer Certification, IBM Quantum is offering a path for people with all development backgrounds to earn a certification in programming with Qiskit, allowing them to leverage their quantum coding skills into a potential opportunity in this exciting new workforce,” the company blog post read.

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Facebook is cracking down on Groups, here’s what you should know

(SOCIAL MEDIA) Facebook will be holding Facebook Groups who break the terms of service accountable with stricter punishments.

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Facebook Groups open on laptop in front of business woman dressed in white blouse.

In light of the capitol riots—and an increase in things like hate speech and vaccine conspiracies in the days leading up to them—Facebook will be holding Facebook Groups accountable in the days to come.

Facebook users have always had some degree of moderation, but much of that accountability has been contingent on others reporting errant behavior, often necessitating multiple reports across the board before resulting in some kind of action from the social media platform. This new initiative will put the magnifying glass over groups in general, making it harder for them to contain or endorse content that violates Facebook’s terms of use.

Penalties for breaking those terms will vary, but may include anything from restrictions to immediate removal from the platform depending on how “egregious” the offense is. Repeat offenders will eventually be removed.

Those restrictions aren’t exactly opaque, either. Facebook’s VP of engineering, Tom Alison, made the platform’s new priorities clear in a recent blog post: “Groups and members that violate our rules should have reduced privileges and reach, with restrictions getting more severe as they accrue more violations, until we remove them completely.”

This isn’t the first time that Facebook has addresses issues with their Groups system. They stopped recommending political groups to users outside of those communities back in November—something they said would not change after the election—and their push to show people who aren’t in Groups content from ones that might be interesting to them seems to be slowing.

In fact, those recommendations will be a factor in taking away power from Groups who break the guidelines. Offending Groups won’t necessarily show up in people’s recommendations—or they will show up far lower than other Groups—thus decreasing the number of people who can access them.

Facebook’s motive here is pretty clear. The social media platform has been criticized heavily in the past for everything from being lenient on hate speech to influencing political outcomes, and while it’s easy to deliberate the validity of some of those claims, it’s much harder to ignore the fact that the amount of harmful content on Facebook is debilitating—something against which they seem to be taking a firm stance with this new directive.

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Tech News

Internet of Things and deep learning: How your devices are getting smarter

(TECH NEWS) The latest neural network from Massachusetts Institute of Technology shows a great bound forward for deep learning and the “Internet of Things.”

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Woman using smart phone to control other devices in home, connected to deep learning networks

The deep learning that modifies your social media and gives you Google search results is coming to your thermostat.

Researchers at the Massachusetts Institute of Technology (MIT) have developed a deep learning system of neural networks that can be used in the “Internet of Things” (IoT). Named MCUNet, the system designs small neural networks that allow for previously unseen speed and accuracy for deep learning on IoT devices. Benefits of the system include energy savings and improved data security for devices.

Created in the early 1980s, the IoT is essentially a large group of everyday household objects that have become increasingly connected through the internet. They include smart fridges, wearable heart monitors, thermostats, and other “smart” devices. These gadgets run on microcontrollers, or computer chips with no processing system, that have very little processing power and memory. This has traditionally made it hard for deep learning to occur on IoT devices.

“How do we deploy neural nets directly on these tiny devices? It’s a new research area that’s getting very hot,” said Song Han, Assistant Professor of Computer Science at MIT who is a part of the project, “Companies like Google and ARM are all working in this direction.”

In order to achieve deep learning for IoT connected machines, Han’s group designed two specific components. The first is TinyEngine, an inference engine that directs resource management similar to an operating system would. The other is Tiny NAS, a neural architecture search algorithm. For those not well-versed in such technical terms, think of these things like a mini Windows 10 and machine learning for that smart fridge you own.

The results of these new components are promising. According to Han, MCUNet could become the new industry standard, stating that “It has huge potential.” He envisions the system has one that could help smartwatches not just monitor heartbeat and blood pressure but help analyze and explain to users what that means. It could also lead to making IoT devices far more secure than they are currently.

“A key advantage is preserving privacy,” says Han. “You don’t need to transmit the data to the cloud.”

It will still be a while until we see smart devices with deep learning capabilities, but it is all but inevitable at this point—the future we’ve all heard about is definitely on the horizon.

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