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ICFiles Express Upgrade
Posted by S2C Staff on 17 May 2018 10:21 PM
Dear ICFiles Clients

If you are having problems with ICFiles Express. Please uninstall your current version and install this Express v41

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Business Ethics for Customer Data
Posted by S2C Staff on 08 May 2018 02:20 PM

What's New in Technology May 2018

Business Ethics for Customer Data

Business Ethics for Customer DataMany computer users are reluctant to engage in online shopping, banking or investment transactions for fear that their account information will be stolen. According to the Identity Theft Resources Center, between January 2005 and April 2018, there were 8,870 breaches and 1,078,674,491 records exposed to bad actors. A breach is defined as an incident in which an individual name plus a Social Security number, driver’s license number, medical record or financial record (e.g., credit card, debit card) is at risk of exposure, either in electronic or paper format.

Meanwhile, recent news has shed light on the fact that the risk of having personal data related to social media websites is perhaps even more widespread. In April, Facebook announced that the data of 87 million users of the website was unlawfully used by political consulting and data brokerage firm Cambridge Analytica. Of those 87 million people, more than 70 million are in the United States.

The Facebook data was harvested via an app called This Is Your Digital Life. The app paid participants to take a personality test and consent to have their data collected. However, the app did not disclose that it also had access to and collected information about the participants’ Facebook friends.

As is often the case, the world of high technology has outpaced the ability of government agencies to monitor and regulate new innovations. We must often wait until civil liberties are impinged and damage is done before the negative impact of new technology becomes known. Unfortunately, there are presently no online privacy laws in the United States, so there is little to stop companies from using consumer information in whatever way they please.

Many retail companies use marketing, promotions and other business tools to effectively collect large amounts of data in order to reach customers more effectively. However, some also sell that data as a revenue channel. Then there are other companies (data brokers) that use data-gathering tactics for the sole purpose of collecting personal information and then selling it to other companies for their marketing use. All of these practices bring up a myriad of ethical questions regarding privacy and data ownership.

While some states limit the ability to tap information, nearly everyone has publicly accessible data via real property and tax assessor records, court filings, recorded liens and mortgages, driver’s license records, motor vehicle records, voter registrations, telephone directories, real estate listings, birth, marriage, divorce and death records, professional license filings, recreational (hunting and fishing) licenses, and Census demographic information.

Social media sites then supplement this data with consumers’ names, age, gender, location, schools attended, companies worked for and any other personal information, photos and videos they willingly share. (If this causes concern, learn how to delete your Facebook account here).

Some social media websites are designed to provide a platform where people can share stories about their families and/or health. The underlying purpose of this business model is to compile and sell information freely offered by participants. For example:


These are just two of 17 websites owned and operated by data brokers.

It’s important to be aware of the common tactics used to accumulate personal information either without your consent or without realizing you’ve given it through participation. Any time that you enter your name, email and other contact information in exchange for a promo discount, news feed or other “free” offer, be aware that your data is being collected specifically for a consumer database that might be sold and used by companies you do not wish to hear from.

Also recognize that companies collect your web browsing history. In other words, they can compile data based on what websites you visit, news articles you read and products you buy or even just browse. They can tell where you bank or invest by how often you visit those websites and how much time you spend there.

You might hear that one way to avoid having your browsing history tracked is to open an “incognito window” (or the like) offered by some browsers. However, all this does is eliminate cookies and tracking data from being stored on your personal computer. Where you visit and what information you provide to those websites are still visible to the companies tracking participating users.

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Deep Learning for Deeper Understanding
Posted by S2C Staff on 06 April 2018 11:12 AM

What's New in Technology

April 2018

Deep Learning for Deeper Understanding

Deep Learning for Deeper UnderstandingWe all learn in different ways. Some people are book smart, meaning they glean knowledge from reading books. Others learn better through classroom or one-on-one instruction. Still others learn by doing – maybe jumping into an assembly project without reading the instructions.

And then there are those that are more visual – they can better comprehend information when they see examples of it through pictures, videos and other types of images. This is the genesis of what is called deep learning. Deep learning is a subcategory in the study of artificial intelligence (AI), which is simply the practice of machines – typically computers – learning to mimic the thought processes of humans.

Deep learning is focused on learning through visuals, and it has a near-infinite capacity for both learning and applications. In fact, it is based on downloading vast stores of imaged data. The machine can then scan through this colossal amount of information and identify solutions. In this way, it actually mimics the human brain’s ability to identify collected knowledge and memories and evaluate what is relevant and useful for the current query. The difference is that the human brain has only so much capacity to upload and process information; a lone computer has near infinite capacity.

This concept of deep learning is best conveyed with examples, and there are plenty of potential applications. Let’s start with healthcare. A patient presents with multiple symptoms, which could point to any number of medical conditions. His physician could rely on a variety of screens to make a diagnosis, including lab tests, X-rays, MRIs, CT scans, ultrasound, physical exam, his formal education, his personal experience with previous patients, and consultation with any number of other physicians, radiologists and specialists. The sum total of this knowledge base then comes up with a diagnosis, but it might not be accurate. As we’ve observed on television shows such as House, it often becomes a process of trial and error to make an accurate diagnosis.

Deep learning, though, can exponentially improve both the speed and accuracy of this process. Imagine that every physician across the globe uploads his patient files, images, observations, etc. into a centralized database. When a doctor needs to make a diagnosis, he can enter specific personal information and text results about his patient. The machine then scans its vast universe of data to identify the most relevant cases, information and images that match this individual patient’s symptoms. In short, because a machine with deep learning capabilities can store, assess and identify a massive number of variables, it might be able to diagnose patient conditions quickly and more accurately – saving crucial treatment time, money and the discomfort of ineffective trial and error treatments.

Deep learning basically follows the human process of assimilating information to learn by example, only it has the capacity to sort through so many more real-world examples than any one human brain can compile, let alone assess.

The following instances are just the tip of the iceberg of the many ways that deep learning can be applied to help various professions become vastly more efficient.

  • Driverless Cars - automatically detect objects such as stop signs, traffic lights, and even pedestrians to help make driving safer and decrease accidents.
  • New smart technology machines such as Alexa and Siri are used by companies to help customers access information or decide what to purchase or watch on television.
  • Farmers are able to take photos of ailing crops via smartphone and scan the visuals to a deep learning machine that can pinpoint the disease.
  • In the construction industry, project managers can track the most egregious potential malfunctions based on plan specifications, phase timing and severity to help keep projects on time, on budget and prevent safety hazards.
  • In the retail industry, companies can upload scores of data regarding customer buying habits, enabling frontline retail clerks to make immediate recommendations based on what customers who bought the same or similar items purchased in the past.
  • In the aerospace and defense industry, deep learning can identify objects in satellite images to help identify safe or unsafe zones for troops.

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Blockchain Technology - Beyond Bitcoin
Posted by S2C Staff on 01 March 2018 11:33 AM

What's New in Technology March 2018

Blockchain Technology - Beyond Bitcoin

Blockchain TechnologyTo many people, Bitcoin and blockchain technology are the same thing. Bitcoin might be the best-known example of a successful application of blockchain technology, but as soon as business leaders understood the power and advantages of the Bitcoin model, various industries, institutions and humanitarian organizations leapt on the technology as a solution to a variety of issues and challenges.

Most of us have some idea of how Bitcoin works. The concept was unveiled via a whitepaper in 2008 by a Japanese businessman whose real identity still is not known. “Bitcoin: A Peer to Peer Electronic Cash System” showed how a crypto-currency system could provide its users with a decentralized, time-stamped bookkeeping platform, or ledger, that was incorruptible, transparent and public, yet impervious to corruption or interference. It has also been described as an encrypted database of agreements – which means when the parties involved have made a deal, neither can go back and revise the terms. Smart Contracts is a blockchain-based contract system that requires all parties to fulfill their contractual obligations before the terms of the contract can be completed.

Hailed as a major innovation, blockchain technology – in the form of Bitcoin – made its entrance into the financial sector in January, 2009. Some nine years later, the technology is being used in many different ways – from aiding humanitarian relief efforts to improving the efficiency of government departments through the authentication, confidentiality and improved management of medical and benefits records. To help consumers understand how it works, some commentators have said that blockchain is to Bitcoin what the internet is to email. In other words, it is an electronic system. Application designers build programs to tap into its international reach. Bitcoin – a crypto-currency – is just one type of application.

Here are some of the other ways that blockchain applications are being used to address global issues here and in some of the poorest areas of the world:

  • Voter fraud and cybersecurity are hot issues worldwide. In the past decade, voter legitimacy has surfaced as a serious issue in major U.S. elections. Blockchain technology offers governments a way to provide its citizens with secure (unhackable) electronic vote-counting systems. Blockchain technology can provide a permanent and public ledger for voter registration; handle voter identification; and track voting to ensure there is no tampering at a later date.
  • In 2017, the United Nations faced “the biggest humanitarian emergency of our era” in Syria. One of the most successful efforts to assist those most affected involved a blockchain platform developed by the crypto-currency Ether, Datarella and Parity Technologies. This partnership bypassed the bureaucracy, inefficiency and corruption that frequently hobble international aid efforts by giving refugees direct access to financial donations to buy food and essential supplies.
  • Blockchain technology can work like a bank for impoverished people who do not have bank accounts. Unlike traditional financial institutions, blockchain crypto-currencies don’t levy hefty fees to transfer money across international borders. These traditional bank charges can inhibit business transactions in developing nations and impose financial burdens on individuals sending money to support their families overseas. BitPesa is a blockchain platform that can send and collect crypto-payments between Sub-Saharan Africa and the rest of the world. Africa is one of the costliest regions in terms of financial transfers. BitPesa users need only have access to a smartphone to use the crypto-currency platform. The BitPesa success story has made money transfer fast, affordable and reliable for migrants, immigrants and refugees – people hit hardest by poverty and displacement.

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Can the World Economic Forum Tackle Cybercrime?
Posted by S2C Staff on 01 February 2018 06:13 PM

What's New in Technology for February 2018

Can the World Economic Forum Tackle Cybercrime?

World Economic Forum, Davos

The Wannacry cyberattack in May 2017 highlighted the major problems that bedevil the various nations affected by devastating ransomware crime. Namely, that targeted nations are often slow to track down the source of such cyberattacks – and once they have done so, they also lack any effective means to punish the perpetrators. Technology experts quickly determined the Wannacry source – almost certainly North Korea – but the British and American governments took five to six months to come to the same conclusion. As for penalties for those responsible, neither country was able to effectively force the North Korean government to change their tactics.

Therefore, it’s no surprise that The World Economic Forum, which recently took place in Davos, Switzerland, announced the formation of a new group, The Global Centre for Cybersecurity. This is an effort to tackle cybercrime through faster, more effective information sharing between nations and private technology companies. Expected to be fully operational in March, the organization, which seeks voluntary participation, has already gained the support of BT Group (a major British telecommunications company); U.S. microchip maker Qualcomm; the Russian financial institution, Sberbank; and Interpol, an international crime fighting organization.

Few would argue with the idea that a truly collaborative effort based on common standards is needed to successfully counter organized digital crime. What remains to be seen is how this will work in a global community that lacks consensus on the following key issues:

  • Putting Rules in Place

    Cybercrime is the cheapest way for nations to undercut and disrupt other countries they deem adversaries. President Obama called cyberspace the “Wild, Wild West,” an accurate comparison considering the lack of accountability, lawlessness and anarchy that presides. To date, the nations of the world have yet to agree about what should be off-limits, and what should be allowed. If that sounds strange, consider this. The United States and European nations raised the alarm when they found foreign “implants” in their networks (e.g., tampering with last year’s elections) but they don’t want to see rules imposed that might limit their own espionage efforts. It is no secret that the Obama and Bush administrations both infiltrated Iran’s nuclear network with the so-called Stuxnet code. It remains to be seen how the new Global Centre for Cybersecurity plans to address this double-standard.
  • The Role of Technology Companies in Monitoring Content

    British Prime Minister Theresa May took technology leaders to task in Davos, accusing them of not doing enough to collaborate with world governments to police social networks. Ms. May decried social networks for failing to police their platforms for content that supports terrorism and child abuse (pornography). She urged investors to pressure entities like Facebook and Twitter to use their significant resources to better monitor for fake news, hate speech and other forms of abuse. While this might appear to be a reasonable goal, giving governments the right to step in to determine what “fake news” is has obvious dangers. Likewise, the call for social networks to reveal real identities on the internet might be abused by authoritarian governments wishing to crack down on dissent and free speech.

    The new global initiative is a step in the right direction. However, an effective cure for cybercrime has been elusive to date and may prove a significant challenge to this new international agency.

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Net Neutrality - What's All the Fuss About?
Posted by S2C Staff on 02 January 2018 05:55 PM

What's New in Technology

Net Neutrality - What's All the Fuss About?

Net NeutralityAccording to the pundits, the Dec. 14 move by the U.S. Federal Communications Commission to repeal existing net neutrality rules is either a major blow to free communication or a storm in a teacup. Perhaps the truth lies somewhere between these polarizing viewpoints.

It appears that those who supported dismantling the rules put in place to ensure equal access to the Internet (a concept usually known as “net neutrality”) and those who wished them to remain want the same things. Both sides say they are opposed to Internet Service Providers putting discriminatory practices in place to slow down or block certain content, and neither wants ISPs to charge users more to see certain websites. The disagreement appears to center on how fair play on the Internet should be enforced and who exactly does the enforcing. Not surprisingly, President Trump’s appointee to the FCC, Chairman Ajit Pai, believes less government regulation will be more beneficial, and that broadband should not be regulated as if it were a utility.

Most software companies disliked the FCC’s recent repeal of the Obama era regulations. Many small business owners and entrepreneurs also voiced their opposition to the repeal, fearing that the big ISPs will take advantage of their “gatekeeper” role. On the other hand, telecommunications companies were glad to see them repealed. The naysayers believe there are clear dangers in allowing market players to also be guardians of net neutrality. They argue that big telecom companies are already dabbling in preferential Internet usage practices to steer consumers to their sister companies and that Pai’s repeal opens the door for more ploys of this nature.

Here’s some of the history behind the headlines and some of the key issues to ponder:

  • Before 2015, Internet Service Providers were governed by general laws regarding anti-competitive policies and consumer protection. In 2015, under President Obama, ISPs were classified as utilities and so-called net neutrality rules were put in place to stop ISPs from slowing down service, blocking access or requiring payment to favor certain content providers.
  • When Ajit Pai, who had voted against the 2015 reclassification in his role as an FCC Commissioner, was nominated by President Trump to take over the top job, industry observers knew a reversal was on the horizon. Pai contends that heavy-handed government regulation inhibits innovation and investment.
  • Net neutrality existed prior to launch of the 2015 regulations. It might be argued that now, in 2017, we are back to pre-2015 conditions and that there is no call for the alarmist clamor.
  • On the other hand, Pai’s critics note that a neutral Internet is not guaranteed to last. Major companies already are deploying preferential usage patterns to boost sales – for example, AT&T customers who access DIRECTV Now (which AT&T owns) are able to do so without that access counting as part of their data package. AT&T competitors like T-Mobile and Verizon also have similar setups. This practice – zero rating – was scrutinized by the FCC under the Obama era regulations but, following Pai’s repeal, it isn’t any longer. Vertical integration by major ISPs is on the increase, and there could be a strong incentive for these industry leaders to favor their own content over all-comers.

Lawmakers have the power to overturn this recent decision, and to propose their own laws to provide some stability to the regulatory environment. Small business owners who want to see a fair and level playing field will want to continue to monitor this situation.

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