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Tech Tent: Controlling coronavirus with apps

It’s the first pandemic of the smartphone era – and that means governments have access to new ways of tracking the spread of Covid-19.

On this week’s Tech Tent, we find out about the apps that are monitoring people with the virus and look at whether they pose a long-term threat to civil liberties.

In South Korea, the authorities have created an app that lets them know whether people who should be in quarantine have broken the rules. In China, the Alipay Health Code app, created by e-commerce giant Alibaba, lets users know if they are allowed to leave home or use public transport. But according to analysis by the New York Times, signing up to the apps can mean handing over data about your location and identity to the police.

Researchers at Australia’s Monash University have been looking at how countries are using tech to manage the virus.

“This is the first pandemic you can access with your smartphone,” Prof Mark Andrejevic tells us. “And also the first one in which smartphones are being used to track people and monitor them and control their movements.”

Of course, what we often fail to realise is that our smartphones and the services on them have been tracking us for years anyway.

If you are signed in to Google Maps, it may well have a complete record of everywhere you have been for years. If you use an iPhone and store your photos in the cloud, Apple will also have a good record of your movements and who you have interacted with.

But in some countries, governments have long wanted to get access to this kind of data – and now they have seized their chance.

In South Korea, they have gone even further than China in acquiring detailed information about people’s movements during this health crisis. Their app tells users about people near them who have been infected, and where they have been.

And that has privacy implications – although the information is anonymised it may not be too difficult for either app users or the police to work out exactly who each flashing dot on the map turns out to be.

Once the system has been put in place, it could continue to be used after this crisis is over. “There’s no reason why you couldn’t use it for the annual flu season, for example,” says Prof Andrejevic

“I do think it’s possible that we might find our concern about the use of information lowered by these moments where because of an exceptional circumstance, all of a sudden this data is being mobilised.”

In the UK, representatives from Google, Facebook, Amazon, Palantir and other tech companies were summoned to Downing Street to be asked what they could contribute to the battle against the virus. The discussions centred around how they could provide data and expertise to help the National Health Service manage what could be a surge in demand.

There is no indication yet that the UK government is considering monitoring infected people via an app. But as the crisis deepens, all countries will face the same dilemma – how much of our privacy are we willing to sacrifice in the battle to keep us healthy?

Original website: https://bbc.in/2QfD7K5

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Apple now lets apps send ads in push notifications

Apple will now allow push notifications to be used for advertising, so long as users agree to receive the ads first.

As spotted by 9to5Mac, Apple updated its App Store guidelines today with a change to its traditionally strict restrictions around push notifications. Apple has long banned apps from using notifications for “advertising, promotions, or direct marketing purposes,” but that changes today. Apps can now send marketing notifications when “customers have explicitly opted in to receive them.” Users must also be able to opt out of receiving the ads.

The change follows a couple incidents over the past two years in which Apple bent its own rules by sending out push notifications that read a lot like ads. Since other companies’ apps could be banned or have their push notification privileges revoked for that behavior, the moves were criticized as another example of Apple getting away with special treatment because it controls the platform.

Apple’s intention has generally been a good one here — no one wants to be spammed with notifications, especially not marketing messages they didn’t request. But the flat out ban led to some ambiguities that this new policy may be able to clear up. Can a retailer use a push notification to tell you about a sale, if you’ve already installed their app? Can Amazon encourage customers to buy a new phone through its app, as it recently did? Some of these notifications might be useful, and Apple’s new policy could let them through while giving customers control over whether they actually see them.

There were a handful of other updates that came down from Apple today, too. 9to5Mac says that Apple set a deadline for when Sign in with Apple has to be implemented: April 30th. The single sign-on system is supposed to offer a more secure alternative to Facebook and Google sign-ins, which are widely offered as a quick way to get people using a new app.

Apple also said it will more heavily scrutinize fortune telling and dating apps and will reject them if they do not “provide a unique, high-quality experience.” They’re now included under the same spam rules as fart and burp apps.

Another added rule bans apps that can be “used to commit or attempt to commit crimes of any kind by helping users evade law enforcement.”

Original website: http://bit.ly/38nyOCv

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This Top-Rated App Can Help You Deal With Stress in the New Year

Stress tends to accumulate around the holiday season but it’s not like it simply disappears otherwise. Life is full of stressors, from tight project deadlines to frustrating coworkers to rush hour traffic. Don’t just accept the stress, deal with it appropriately by investing in your own mindfulness. Aura is a meditation app that can help you manage stress and anxiety effectively without resorting to bad or destructive habits.

Aura was created by top meditation teachers and therapists and designed to help you prioritize and improve your mental health. Personalized with AI, Aura provides short, science-backed mindfulness meditation exercises every day to give you the peace of mind you need to power through stress and anxiety to be your best self. Each day, you’ll get a free 3-minute guided meditation session and have the option to choose between 3-, 7-, or 10-minute meditations throughout the day depending on your availability. By rating each meditation experience, Aura learns your preferences and can provide more specific meditations to meet your needs. Through the app, you can also track your mood patterns, save unlimited meditations, and access additional wellness content like life coaching sessions, stories, and music.

Find out why Aura has a 4.7 rating on 17,000 reviews in the App Store and a 4.5 rating on more than 7,000 reviews in the Google Play Store. Right now, you can get a one-year premium subscription for 57 percent off $94.99 at just $39.99, a three-year subscription for 78 percent off $284.97 at just $59.99, or a lifetime subscription for 83 percent off $499 at just $79.99.

Original website: http://bit.ly/37kAxsf

 

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3 Trends To Look Out For When Promoting Your App

According to survey data from Clutch, roughly 55 percent of businesses owned by millennials have their own mobile app. While many of these apps are meant to supplement an e-commerce store, SaaS, or other business model, for many fledgling companies, the app essentially is the business.

Because of this, app promotion has become more important than ever for companies of all sizes. Regardless of the function an app plays in your company’s business model, ensuring that your customer knows your app exists is crucial for your bottom line.The latest edition of the AppsFlyer Performance Index includes interesting data on several mobile app user acquisition trends, three of which I think are important for the upcoming year.

1. More Concerted Efforts Against Mobile Ad Fraud

Fraudulent app ad networks have consistently presented problems for app marketers, but the AppsFlyer report reveals that things are starting to trend in the right direction. In 2019, install share from fraudulent networks fell 60 percent, while cleanly-sourced app installs increased by 25 percent.Bad ad networks ultimately cause app marketers to waste their budget by allocating resources toward fake users. Inflated numbers give a false impression of app performance, and can completely throw off further optimization efforts.

As just one example, a post published on Medium reveals how deceiving a bad network’s retention rates can be.In the study’s numbers, retention initially appears quite strong, at 81% of all organic installs. However, digging into the data revealed that 90% of those installs were poached from organic traffic, revealing the retention rate at 47%.High retention numbers might make your marketing efforts look better. But anyone who is focused on getting the best results for her company will always want to dig deeper to make sure the numbers are actually legitimate.

2. Retargeting Users To Grow Stronger Customer Connections

While retargeting has been cited as an essential marketing tool for apps for quite some time, the AppsFlyer report makes it clear that this tactic is continuing to grow in relevancy. The number of apps running retargeting campaigns increased 57% year over year.

Despite this growth, however, some areas continue to lag behind.

For example, only about 15% of gaming apps run retargeting campaigns. In the marketing world, retargeting draws heavily from algorithms to put your ads in front of people who have previously used your app or visited your site. Retargeting is an opportunity to segment out your message based on behavior, where on your site they landed, how they got there, etc.

As Sparq Designs’ Adele Stewart explained in an interview with Fit Small Business, “Segment everything. Each specific visitor group is going to receive different messaging, different ads (served at different times throughout the day, month, YEAR!), and even different imagery. It’s necessary to get a good idea of what pages visitors engaged with. Those who visited the About Us page should be served an ad of general services. Visitors who reviewed a specific product page, should be served ads of what they looked like and similar imagery. If someone signed up for an account, show them what they’re missing – perhaps you offer 25% off if they follow through their purchase now. Give them something to come back to. Those who abandoned their cart should be served the exact product they left off on.”

Dig into retargeting if you haven’t already.

3. Working With Emerging Players

Finally, the report noted a marked increase in usage of several new platforms for app marketing. For example, the network Liftoff increased its app install contributions by 115%, while Snap generated 62% more installs in 2019 than in 2018.There is clearly a lot of potential in networks outside of Facebook and Google, it’s just a matter of finding a non-fraudulent, powerful one.

However, this can also influence a marketer’s willingness to more closely evaluate and work with emerging players in the app marketing world. Rather than be content to stick with the same platforms that have been delivering decent results up to now, become willing to form new collaborative partnerships that can fuel further growth.

Marketing an app isn’t easy, especially when there are literally millions of apps available for today’s smartphone users. But finding a good network to plug into, leverage retargeting and creating smart partnerships will give you a leg up.

Original website: http://bit.ly/2r49WAh

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Fabric’s new app helps parents with the hard stuff, including wills, life insurance & shared finances

A new app called Fabric aims to make it simpler for parents to plan for their family’s long-term financial well-being. The goal is to offer parents a one-stop-shop that includes the ability to ability for term life insurance from their phone, create a free will in about five minutes, and collaborate with a spouse or partner to organize key financial accounts or other important documents. In addition, parents are able to coordinate with beneficiaries, children’s guardians, attorneys, financial advisors, and others right from the app.

Fabric was originally founded in 2015 by Adam Erlebacher, previously the COO at online bank Simple, and Steven Surgnier, previously the Director of Data at Simple. The company last year raised a $10 million Series A led by Bessemer Venture Partners,after having sold life insurance coverage to thousands of families.

Since launch, Fabric has expanded beyond life insurance to offer other services, like easy will creation and the addition of tools that help families organize their financial and legal information in one place. The idea, the company explained at the time, was to offer today’s busy parents a better alternative to meetings with agents to discuss complicated life insurance products. Instead, the company offers a simple, 10-minute life insurance application and the option to connect with a licensed team if they need additional help, as well as a similarly simplified will creation workflow.

As with the founders’ earlier company, Simple, which offered a better front-end to banking while actual bank accounts were held elsewhere, Fabric’s life insurance policies are issued by “A” rated insurer, Vantis Life, not Fabric itself.

However, until now, Fabric’s suite of services were only available on the web. They’re now offered in an app for added convenience. The app is initially available on iOS with an Android version in the works.

“Money can be especially stressful when you’re trying to build a family and a career,” said Fabric co-founder and CEO Adam Erlebacher. “In one survey by Everyday Health, 52% of respondents said financial issues regularly stress them out, and people between the ages of 38 to 53 were the most stressed out financially. Parents want to have more control over their families’ long-term financial well-being and today’s dusty old products and tools are failing them,” he added.

Using the Fabric app, parents can take advantage of any of its offerings, including the option to apply for life insurance from the phone and get immediate approval. The app also makes it possible to share the policy information with beneficiaries, so it doesn’t get lost.

Another feature lets you create your will for free, and share that information with key people as well, including the witnesses you need to coordinate with in order to finalize the will, for example. And a spouse can choose to mirror your will, which speeds up the process of creating a second one with the same set of choices.

Fabric also helps to address an issue that often only comes up after it’s too late or in other emergency situations — organizing both parents’ finances in a single place. Many working adults today have not just a bank account, but also have investment accounts, 401Ks, IRAs, and credit cards, or a combination of those. But their partner may not know where to find this information or where the accounts are held.

The app, which we put through its paces (but didn’t purchase life insurance through), is very easy to use. It starts off with a short quiz to get a handle on your financial picture. It then delivers you to a personalized homescreen with a checklist of suggestions of what to do next. Naturally, this includes the life insurance application, as this is where Fabric’s revenue lies. And if you’re lacking a will and have other fiances to organize, these are featured, too.

The online forms are easy to fill out, despite the smartphone’s reduced screen space compared with a web browser, and Fabric has taken the time to get the small touches right — like when you enter a phone number, the numeric keypad appears, for example, or the integration of address lookup so you can just tap on the match and have the rest autofill. It also saves your work in progress, so you can finish later in case you get interrupted — as parents often do. And it explains terms, like “executor,” so you know what sort of rights you’re assigning.

Given its focus, Fabric protects user information with bank-grade security, including 256-bit encryption, two-factor authentication, automatic lockouts, biometrics, and other adaptive security features.

Fabric isn’t alone in helping parents and others financially plan wills and more from their iPhone. Other apps exist in this space, including will planning apps from Tomorrow, LegalZoom, Qwill, and others. Plus many insurers offer a mobile experience. Fabric is unique because it puts wills, insurance, and other tools into a single destination, without complicating the user interface.

Fabric’s app is a free download on the App Store.

Orginal Website: https://tcrn.ch/2XWa68x

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Apple become China’s largest Western software seller, thanks to booming App Store

Geographic appstore estimates spanning multiple companies and platforms suggest that Apple’s App Store, buoyed by growth beyond just games, is the top individual seller by company in China, but not by platform.

In a report by AppAnnie, China is suspected to have exceeded the U.S. to become the largest market for the iOS App Store, pulling down between $5 billion and $6 billion in revenue. Should Apple not grow its share, and merely maintain, given existing smartphone market expansion trends, this puts Apple on a track to garner $16 billion in purchases by 2020.

Ben Schachter from Macquarie Research, looking at the report, claims that revenue from all Android stores combined will exceed that of the iOS app store in 2020, pulling down around $20 billion. However, Schachter believes that Apple will still hold the largest share when measured by company going forward.

Historically, the China market has been dominated by entertainment, but this trend has started to shift. Unexpected growth has come from productivity apps, buoyed by the proliferation of 4G in nascent markets.

Other markets pursued by Apple aren’t expected to grow quite as quickly as China has, however. As cited by both App Annie and Schachter, India’s app store will climb to only $2.1 billion in total, across all companies and platforms.

Any gain in the China market will help to expand Apple’s Services business, and fulfill CEO Tim Cook’s prognostication that it alone will be the size of a Fortune 100 company before the end of 2017. In a previous analysis, Schachter said that the App Store model is “one of the best business models ever created.”

http://appleinsider.com/articles/17/04/13/apple-now-chinas-largest-western-software-seller-thanks-to-booming-app-store

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Top 5 Tools for Multi-Platform Mobile App Development

We all know how bothersome multi-platform mobile app formatting can get. Each platform is unique and exhibits different features, capabilities and behaviour. But then, multi-platform apps are truly “in” today, so you as the developer, need to find solutions to develop the best cross-formatted apps, without emptying up all your resources on developing for just a couple of platforms at one time.

Fortunately for you, there are some really great multi-platform developer tools in the market today, using which you can easily achieve your aim. Here is a list of the top 5 dev tools for cross-formatting mobile applications.

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1. RhoMobile

RhoMobile offers Rhodes, which is an open-source framework based on Ruby. This permits the developer to create native apps, spanning over a stunning range of OS’ and smartphones. The OS’ include Android, Windows Mobile, Symbian, iPhone and RIM, which pretty much covers it all.

The framework supplied by RhoMobile is such that you only need to code once. This code can be used to build apps for most of the major smartphones. Native apps are great for working with available hardware, so your job gets done with ease, speed and accuracy.

RhoMobile also offers developers RhoHub, which is a hosted development environment, and RhoSync, which can be employed as a standalone server to keep all the app data current on the users’ handhelds.

iOS and Android App Your one-stop service IT partner
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2. PhoneGap

PhoneGap, which won great acclaim at Web 2.0 Expo San Francisco’s 2009 Launch Pad event, is an FOSS environment that allows developers to create apps for Android, Palm, Symbian, BlackBerry, iPhone, iTouch and iPad devices. This platform uses standard web development languages such as HTML and JavaScript.

PhoneGap allows the developer to work with device hardware features such as accelerometer, GPS/location, camera, sound and much more.

PhoneGap additionally offers an Adobe AIR app and also online training courses to help the developer access native API’s and build mobile apps on its own platform.

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3.Appcelerator

The Titanium Development Platform from Appcelerator, which incidentally has a formidable fan following in Twitter, aids the development of native mobile, tablet and desktop apps via web programming languages such as HTML, PHP, JavaScript, Ruby and Python. It now powers over a 1,000 native apps per month. The best thing about Titanium is that if gives users easy access to over 300 APIs and location information.

Additionally, Appcelerator also offers customizable metrics for actions and events. Apps can be totally hardware-based and all app data can be stored either in the cloud or on the device.

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Image Courtesy MoSync.

4.MoSync

MoSync, yet another FOSS multi-platform mobile app dev SDK tool, is based on standard web programming. This SDK offers the developer integrated compilers, libraries, runtimes, device profiles and other useful tools. While support for JavaScript, PHP, Ruby, Python and such other languages is planned, MoSync now includes Eclipse-based IDE for C/C++ programming.

MoSync offers support for several types of OS’, including Windows Mobile, Android, Symbian, Moblin and even a mobile Linux distro. Support for the iPhone OS andBlackBerry will be coming soon, after the release of MoSync 2.4.

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5.WidgetPad

WidgetPad is a collaborative, open-source environment for development of smartphone apps. This program uses standard web technologies, such as JavaScript, HTML5 and CSS3.

Included in this platform are source code editing, collaboration, debugging, project management, versioning and distribution. WidgetPad, which is now in private beta, can be used to create apps for the iOS, Android OS and WebOS.

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Warren Buffett Teach You How to Turn $40 Into $10 Million

Warren Buffett has a simple solution that could help people turn $40 into $10 million. Warren Buffett spoke about one of favorite companies, Coca-Cola, and how to be patient reinvestment, someone who bought just $40 worth of the company’s stock when it went public in 1919 would now have more than $5 million.

The power of patience

I know that $40 in 1919 is very different from $40 today. However, even after factoring for inflation, it turns out to be $540 in today’s money. Put differently, would you rather have an Xbox One, or almost $11 million?

But the thing is, it isn’t even as though an investment in Coca-Cola was a no-brainer at that point, or in the near century since then. And there have been countless other things over the past 100 years that would cause someone to question whether their money should be in stocks, much less one of a consumer-goods company like Coca-Cola.

The dangers of timing

Yet as Buffett has noted continually, it’s terribly dangerous to attempt to time the market:

“With a wonderful business, you can figure out what will happen; you can’t figure out when it will happen. You don’t want to focus on when, you want to focus on what. If you’re right about what, you don’t have to worry about when”

So often investors are told they must attempt to time the market, and begin investing when the market is on the rise, and sell when the market is falling.

This type of technical analysis of watching stock movements and buying based on how the prices fluctuate over 200-day moving averages or other seemingly arbitrary fluctuations often receives a lot of media attention, but it has been proved to simply be no better than random chance.

Investing for the long term

Individuals need to see that investing is not like placing a wager on the 49ers to cover the spread against the Cowboys, but instead it’s buying a tangible piece of a business.

It is absolutely important to understand the relative price you are paying for that business, but what isn’t important is attempting to understand whether you’re buying in at the “right time,” as that is so often just an arbitrary imagination.

In Buffett’s own words, “if you’re right about the business, you’ll make a lot of money,” so don’t bother about attempting to buy stocks based on how their stock charts have looked over the past 200 days. Instead always remember that “it’s far better to buy a wonderful company at a fair price.”

Fortunes, like Buffett’s, were made by early investors when internet technology changed our lives forever. Now there’s a new technological revolution that threatens to make intellectual property obsolete — and shake up the entire global economy. Investors once again have the opportunity to get rich by getting in early, and you can be one of them.

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