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America’s getting card-free ATMs, is your bank included?

(TECH NEWS) New ATMs hope to simplify automated banking and increase security, but are you comfortable ditching a tangible card???

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Cardless crusade

Apple Pay and Android Pay aren’t the revolutionary payment methods they sought out to be just yet, but other services are taking note.

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Wells Fargo, Bank of America and JPMorgan Chase are joining the cardless crusade and will soon be introducing ATMs that run off a phone app, giving you one more reason to ditch your wallet for good.

App-operated ATMs

While cardless ATMs are nothing new, the technology has taken big steps forward in the past few weeks as a number of banks have announced plans for thousands of cardless machines across the country.

JPMorgan Chase and Bank of America both announced they’ll introduce thousands of app-operated ATMs in late January, and Wells Fargo followed suit this week.

The Wells Fargo announcement is the biggest thus far, with an estimated 13,000 ATMs able to handle cardless transactions soon. This news makes Wells Fargo the first bank to convert its entire fleet to cardless.

The plan

Similar to machines in Europe, customers will open an app on their phone and receive a one-time, 8 digit code that they can then enter in the ATM.

The machines still work with cards if you choose, but for customers who prefer not to carry their debit card or misplace, lose or have it stolen, cardless ATMs are an incredible advancement.

While the first cardless ATMs to hit the U.S. market may be somewhat clunky, future technology is being developed that will allow users to provide a fingerprint instead of a code, or even NFC-equipped ATMs, which will allow smartphones to communicate directly with the machines.

A new era for ATMs

One reason banks are adopting this method is to appeal to millennials, who less likely to carry multiple plastic cards than older generations. Another selling point, on top of convenience, is security.

Most importantly, there’s no card from which skimmers can steal information, which is the most common way ATM theft occurs.Click To Tweet

Incorporating fingerprints will also offer biometric security that will be much more secure than any pin method. Of course, as as cardless transactions gain in popularity, they will be an increasingly popular target of thieves, but they do provide an initial headstart for banks to rethink ATM security.

Going cardless… or not

While cardless options in stores are becoming more frequent, there is still a learning curve and pulling out a debit card tends to still be easier for customers than pulling out a smart phone. Like any new technology, that’s partially because of a learning curve and introducing more ways to utilize the tech is the only way to make users more comfortable with it.

#CardlessAndCarefree

Brian is a staff writer at The American Genius who lives in Brooklyn, New York. He is a graduate of Washington University in St. Louis, and majored in American Culture Studies and Writing. Originally from California, Brian has a podcast, "Revolves Around Me," and enjoys public transportation, bicycles, the beach.

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Tech News

The newest booming business: Hiding from facial recognition

(TECH NEWS) ‘Cloaking’ is the new way to hide your face. Companies are making big money designing cloaking apps that thwart your features by adding a layer of make up, clothing, blurring, and even transforming you into your favorite celebrity.

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Facial recognition companies and those who seek to thwart them are currently locked in a grand game of cat and mouse. Though it’s been relentlessly pursued by police, politicians, and technocrats alike, the increasing use of facial recognition technology in public spaces, workplaces, and housing complexes remains a widely unpopular phenomenon.

So it’s no surprise that there is big money to be made in the field of “cloaking,” or dodging facial recognition tech – particularly during COVID times while facial coverings are, literally, in fashion.

Take Fawkes, a cloaking app designed by researchers at the University of Chicago. It is named for Guy Fawkes, the 17th century English revolutionary whose likeness was popularized as a symbol of anonymity, and solidarity in V For Vendetta.

Fawkes works by subtly overlaying a celebrity’s facial information over your selfies at the pixel level. To your friends, the changes will go completely unnoticed, but to an artificial intelligence trying to identify your face, you’d theoretically look just like Beyonce.

Fawkes isn’t available to the general public yet, but if you’re looking for strategies to fly under the radar of facial recognition, don’t fret; it is just one example of the ways in which cloaking has entered the mainstream.

Other forms of cloaking have emerged in the forms of Tik Tok makeup trends, clothes that confuse recognition algorithms, tools that automatically blur identifying features on the face, and much more. Since effective facial recognition relies on having as much information about human faces as possible, cloaking enthusiasts like Ben Zhao, Professor of computer science at the University of Chicago and co-developer of Fawkes, hope to make facial recognition less effective against the rest of the population too. In an interview with The New York Times, Zhao asserts, “our [team’s] goal is to make Clearview [AI] go away.”

For the uninitiated, Clearview AI is a start-up that recently became infamous for scraping billions of public photos from the internet and privately using them to build the database for a law enforcement facial recognition tool.

The CEO of Clearview, Hoan Ton-That, claimed that the tool would only be improved by these workarounds and that in long run, cloaking is futile. If that sounds like supervillain talk, you might see why he’s earned himself a reputation similar to the likes of Martin Shkreli or Ajit Pai with his company’s uniquely aggressive approach to data harvesting.

It all feels like the beginning of a cyberpunk western: a story of man vs. machine. The deck is stacked, the rules are undecided, and the world is watching. But so far, you can rest assured that no algorithm has completely outsmarted our own eyeballs… yet.

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Australia wants Facebook and Google to pay media royalties

Australia seeks to require Facebook and Google to pay royalties to media companies for use of news content on their platforms.

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Australia is in the process of requiring tech giants, Facebook and Alphabet, to pay royalties to Australian media companies for using their content. Australian Treasurer Josh Frydenberg announced the move the day after the US Congressional antitrust hearing that put the CEOs of Facebook, Alphabet, Amazon, and Apple back in the regulatory spotlight.

In addition to the pressure from the United States investigation into market control by these companies, global leaders are calling for similar regulations. Though none have been successful, media companies in Germany, France, and Spain have pushed for legislation to force Google to pay licensing fees to use their news content. Some companies have been pushing for this for years and yet, the tech giants keep dragging out their changes, even admitting their actions are wrong.

In 2019, the Australian government instructed Facebook and Google to negotiate voluntary deals with Australian media to use their content. The Australian government says the companies failed to follow through on the directive, and therefore will be forced to intervene. They have 45 days to reach an agreement in arbitration, after which the Australian Communications and Media Authority will create legally binding terms for the companies on behalf of the Australian government.

Google claims the web traffic that it drives to media websites should be compensation enough for the content. A Google representative in Australia asserts that the government regulations would constitute interference into market competition – which would be the point, Google!

According to a 2019 study, an estimated 3,000 journalism jobs have been lost in the last decade. The previous generation of media companies has paid substantial advertising fees to Google and Facebook while receiving nothing in return for the use of its news content. Frydenberg asserts the regulatory measures are necessary to protect consumers and ensure a “sustainable media landscape” in the country.

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Onboarding for customers and employees made easy

(TECH NEWS) Cohere enables live, virtual onboarding at bargain prices to help you better support and guide your users.

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Web development and site design may be straightforward, but that doesn’t mean your customers won’t get turned around when reviewing your products. Onboarding visitors is the simplest solution, but is it the easiest?

According to Cohere–a live, remote onboarding tool–the answer is a resounding yes.

Cohere claims to be able to integrate with your website using “just 2 lines of code”; after completing this integration, you can communicate with, guide, and show your product to any site visitor upon request. You’ll also be able to see what customers are doing in real time rather than relying on metrics, making it easy to catch and convert customers who are on the fence, due to uncertainty or confusion.

There isn’t a screen-share option in Cohere’s package, but what they do include is a “multiplayer” option in which your cursor will appear on a customer’s screen, thus enabling you to guide them to the correct options; you can also scroll and type for your customer, all the while talking them through the process as needed. It’s the kind of onboarding that, in a normal world, would have to take place face-to-face–completely tailored for virtual so you don’t have to.

You can even use Cohere to stage an actual demo for customers, which accomplishes two things: the ability to pare down your own demo page in favor of live options, and minimizing confusion (and, by extension, faster sales) on the behalf of the customer. It’s a win-win situation that streamlines your website efficiency while potentially increasing your sales.

Naturally, the applications for Cohere are endless. Using this tool for eCommerce or tech support is an obvious choice, but as virtual job interviews and onboarding become more and more prevalent, one could anticipate Cohere becoming the industry example for remote inservice and walkthroughs.

Hands-on help beats written instructions any day, so if companies are able to allocate the HR resources to moderate common Cohere usage, it could be a huge win for those businesses.

For those two lines of code (and a bit more), you’ll pay anywhere from $39 to $129 for the listed packages. Custom pricing is available for larger businesses, so you may have some wiggle room if you’re willing to take a shot at implementing Cohere business-wide.

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