Has Apple Pay Made It Too Easy To Spend Money

Jeff Chiu/AP

Apple released iOS 17 on September 18 and now that the new operating system is here, you can probably leave your wallet at home. The latest version of iOS expands what you can do with Apple Wallet, including how you pay for stuff and how you can use your iPhone to show your government ID, bringing the physical wallet closer to being obsolete. It also marks a step forward in Apple’s steady march toward becoming a sort of bank.

Now, the company offers the Apple Card, a high-interest savings account, and interest-free buy now, pay later loans with Apple Pay Later, which launched earlier this year. This was almost a decade after the initial rollout of Apple Pay, which offered iPhone, iPad, and Apple Watch users the ability to buy things in stores by tapping their devices to a reader.

With the latest update, Apple is continuing to make it clear that your smartphone isn’t just for calls, texts, and snapping a quick pic of dinner — it can handle everything related to your finances, too. But it’s one thing for your phone to make video calls a piece of cake, and another for it to make spending money so easy. When Apple Pay launched in 2014, one big criticism was that it tried to solve a nonexistent problem. Credit cards were already easy to use. Who really needed a tap-to-pay feature?………Continue reading….

Source: iOS 17 update: What are the downsides of using Apple Pay? – Vox

Critics:

Apple has a notable pro-privacy stance, actively making privacy-conscious features and settings part of its conferences, promotional campaigns, and public image. With its iOS 8 mobile operating system in 2014, the company started encrypting all contents of iOS devices through users’ passcodes, making it impossible at the time for the company to provide customer data to law enforcement requests seeking such information.

With the popularity rise of cloud storage solutions, Apple began a technique in 2016 to do deep learning scans for facial data in photos on the user’s local device and encrypting the content before uploading it to Apple’s iCloud storage system. It also introduced “differential privacy”, a way to collect crowdsourced data from many users, while keeping individual users anonymous, in a system that Wired described as “trying to learn as much as possible about a group while learning as little as possible about any individual in it”.

Users are explicitly asked if they want to participate, and can actively opt-in or opt-out. With Apple’s release of an update to iOS 14, Apple required all developers of iPhone, iPad, and iPod Touch applications to directly ask iPhone users permission to track them. The feature, titled “App Tracking Transparency”, received heavy criticism from Facebook, whose primary business model revolves around the tracking of users’ data and sharing such data with advertisers so users can see more relevant ads, a technique commonly known as targeted advertising.

Despite Facebook’s measures, including purchasing full-page newspaper advertisements protesting App Tracking Transparency, Apple released the update in mid-spring 2021. A study by Verizon subsidiary Flurry Analytics reported only 4% of iOS users in the United States and 12% worldwide have opted into tracking. However, Apple aids law enforcement in criminal investigations by providing iCloud backups of users’ devices,and the company’s commitment to privacy has been questioned by its efforts to promote biometric authentication technology in its newer iPhone models, which do not have the same level of constitutional privacy as a passcode in the United States.

Prior to the release of iOS 15, Apple announced new efforts at combating child sexual abuse material on iOS and Mac platforms. Parents of minor iMessage users can now be alerted if their child sends or receives nude photographs. Additionally, on-device hashing would take place on media destined for upload to iCloud, and hashes would be compared to a list of known abusive images provided by law enforcement; if enough matches were found, Apple would be alerted and authorities informed.

The new features received praise from law enforcement and victims rights advocates, however privacy advocates, including the Electronic Frontier Foundation, condemned the new features as invasive and highly prone to abuse by authoritarian governments. Ireland’s Data Protection Commission launched a privacy investigation to examine whether Apple complied with the EU’s GDPR law following an investigation into how the company processes personal data with targeted ads on its platform.

In December 2019, a report found that the iPhone 11 Pro continues tracking location and collecting user data even after users have disabled location services. In response, an Apple engineer said the Location Services icon “appears for system services that do not have a switch in settings.” According to published reports by Bloomberg News on March 30, 2022, Apple turned over data such as phone numbers, physical addresses, and IP addresses to hackers posing as law enforcement officials using forged documents.

The law enforcement requests sometimes included forged signatures of real or fictional officials. When asked about the allegations, an Apple representative referred the reporter to a section of the company policy for law enforcement guidelines, which stated, “We review every data request for legal sufficiency and use advanced systems and processes to validate law enforcement requests and detect abuse.

Apple has been a participant in various legal proceedings and claims since it began operation. In particular, Apple is known for and promotes itself as actively and aggressively enforcing its intellectual property interests. Some litigation examples include Apple v. Samsung, Apple v. Microsoft, Motorola Mobility v. Apple Inc., and Apple Corps v. Apple Computer. Apple has also had to defend itself against charges on numerous occasions of violating intellectual property rights.

Most have been dismissed in the courts as shell companies known as patent trolls, with no evidence of actual use of patents in question. On December 21, 2016, Nokia announced that in the U.S. and Germany, it has filed a suit against Apple, claiming that the latter’s products infringe on Nokia’s patents. Most recently, in November 2017, the United States International Trade Commission announced an investigation into allegations of patent infringement in regards to Apple’s remote desktop technology; Aqua Connect, a company that builds remote desktop software, has claimed that Apple infringed on two of its patents.

Apple has crehttps://onlinemarketingscoops.com/wp-content/uploads/2023/09/Dealcheck4-3.pngated subsidiaries in low-tax places such as Ireland, the Netherlands, Luxembourg, and the British Virgin Islands to cut the taxes it pays around the world. According to The New York Times, in the 1980s Apple was among the first tech companies to designate overseas salespeople in high-tax countries in a manner that allowed the company to sell on behalf of low-tax subsidiaries on other continents, sidestepping income taxes. In the late 1980s, Apple was a pioneer of an accounting technique known as the “Double Irish with a Dutch sandwich“, which reduces taxes by routing profits through Irish subsidiaries and the Netherlands and then to the Caribbean.[289][290]

British Conservative Party Member of Parliament Charlie Elphicke published research on October 30, 2012, which showed that some multinational companies, including Apple Inc., were making billions of pounds of profit in the UK, but were paying an effective tax rate to the UK Treasury of only 3 percent, well below standard corporate tax rates. He followed this research by calling on the Chancellor of the Exchequer George Osborne to force these multinationals, which also included Google and The Coca-Cola Company, to state the effective rate of tax they pay on their UK revenues.

Elphicke also said that government contracts should be withheld from multinationals who do not pay their fair share of UK tax. According to a US Senate report on the company’s offshore tax structure concluded in May 2013, Apple has held billions of dollars in profits in Irish subsidiaries to pay little or no taxes to any government by using an unusual global tax structure. The main subsidiary, a holding company that includes Apple’s retail stores throughout Europe, has not paid any corporate income tax in the last five years. “Apple has exploited a difference between Irish and U.S. tax residency rules”, the report said.

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The Technology Facebook and Google Didn’t Dare Release

Shira Inbar

One afternoon in early 2017, at Facebook’s headquarters in Menlo Park, Calif., an engineer named Tommer Leyvand sat in a conference room with a smartphone standing on the brim of his baseball cap. Rubber bands helped anchor it in place with the camera facing out. The absurd hat-phone, a particularly uncool version of the future, contained a secret tool known only to a small group of employees. What it could do was remarkable.

The handful of men in the room were laughing and speaking over one another in excitement, as captured in a video taken that day, until one of them asked for quiet. The room went silent; the demo was underway. Mr. Leyvand turned toward a man across the table from him. The smartphone’s camera lens — round, black, unblinking — hovered above Mr. Leyvand’s forehead like a Cyclops eye as it took in the face before it.

Two seconds later, a robotic female voice declared, “Zach Howard.”“That’s me,” confirmed Mr. Howard, a mechanical engineer. An employee who saw the tech demonstration thought it was supposed to be a joke. But when the phone started correctly calling out names, he found it creepy, like something out of a dystopian movie. The person-identifying hat-phone would be a godsend for someone with vision problems or face blindness, but it was risky.

Facebook’s previous deployment of facial recognition technology, to help people tag friends in photos, had caused an outcry from privacy advocates and led to a class-action lawsuit in Illinois in 2015 that ultimately cost the company $650 million….Continue reading

Source: The Technology Facebook and Google Didn’t Dare Release – The New York Times

Critics:

A facial recognition system is a technology potentially capable of matching a human face from a digital image or a video frame against a database of faces. Such a system is typically employed to authenticate users through ID verification services, and works by pinpointing and measuring facial features from a given image.

Development began on similar systems in the 1960s, beginning as a form of computer application. Since their inception, facial recognition systems have seen wider uses in recent times on smartphones and in other forms of technology, such as robotics. Because computerized facial recognition involves the measurement of a human’s physiological characteristics, facial recognition systems are categorized as biometrics.

Although the accuracy of facial recognition systems as a biometric technology is lower than iris recognition, fingerprint image acquisition, palm recognition or voice recognition, it is widely adopted due to its contactless process.Facial recognition systems have been deployed in advanced human–computer interaction, video surveillance, law enforcement, passenger screening, decisions on employment and housing and automatic indexing of images.

Facial recognition systems are employed throughout the world today by governments and private companies. Their effectiveness varies, and some systems have previously been scrapped because of their ineffectiveness. The use of facial recognition systems has also raised controversy, with claims that the systems violate citizens’ privacy, commonly make incorrect identifications, encourage gender norms and racial profiling, and do not protect important biometric data.

The appearance of synthetic media such as deepfakes has also raised concerns about its security. These claims have led to the ban of facial recognition systems in several cities in the United States. Growing societal concerns led social networking company Meta Platforms to shut down its Facebook facial recognition system in 2021, deleting the face scan data of more than one billion users. The change represented one of the largest shifts in facial recognition usage in the technology’s history.

Some face recognition algorithms identify facial features by extracting landmarks, or features, from an image of the subject’s face. For example, an algorithm may analyze the relative position, size, and/or shape of the eyes, nose, cheekbones, and jaw. These features are then used to search for other images with matching features. Other algorithms normalize a gallery of face images and then compress the face data, only saving the data in the image that is useful for face recognition.

A probe image is then compared with the face data. One of the earliest successful systems is based on template matching techniques applied to a set of salient facial features, providing a sort of compressed face representation. Recognition algorithms can be divided into two main approaches: geometric, which looks at distinguishing features, or photo-metric, which is a statistical approach that distills an image into values and compares the values with templates to eliminate variances.

Some classify these algorithms into two broad categories: holistic and feature-based models. The former attempts to recognize the face in its entirety while the feature-based subdivide into components such as according to features and analyze each as well as its spatial location with respect to other features.

Popular recognition algorithms include principal component analysis using eigenfaces, linear discriminant analysis, elastic bunch graph matching using the Fisherface algorithm, the hidden Markov model, the multilinear subspace learning using tensor representation, and the neuronal motivated dynamic link matching. Modern facial recognition systems make increasing use of machine learning techniques such as deep learning.

Three-dimensional face recognition technique uses 3D sensors to capture information about the shape of a face. This information is then used to identify distinctive features on the surface of a face, such as the contour of the eye sockets, nose, and chin. One advantage of 3D face recognition is that it is not affected by changes in lighting like other techniques. It can also identify a face from a range of viewing angles, including a profile view.

Three-dimensional data points from a face vastly improve the precision of face recognition. 3D-dimensional face recognition research is enabled by the development of sophisticated sensors that project structured light onto the face. 3D matching technique are sensitive to expressions, therefore researchers at Technion applied tools from metric geometry to treat expressions as isometries.

A new method of capturing 3D images of faces uses three tracking cameras that point at different angles; one camera will be pointing at the front of the subject, second one to the side, and third one at an angle. All these cameras will work together so it can track a subject’s face in real-time and be able to face detect and recognize.

A different form of taking input data for face recognition is by using thermal cameras, by this procedure the cameras will only detect the shape of the head and it will ignore the subject accessories such as glasses, hats, or makeup. Unlike conventional cameras, thermal cameras can capture facial imagery even in low-light and nighttime conditions without using a flash and exposing the position of the camera.

However, the databases for face recognition are limited. Efforts to build databases of thermal face images date back to 2004. By 2016, several databases existed, including the IIITD-PSE and the Notre Dame thermal face database. Current thermal face recognition systems are not able to reliably detect a face in a thermal image that has been taken of an outdoor environment.

In 2018, researchers from the U.S. Army Research Laboratory (ARL) developed a technique that would allow them to match facial imagery obtained using a thermal camera with those in databases that were captured using a conventional camera. Known as a cross-spectrum synthesis method due to how it bridges facial recognition from two different imaging modalities, this method synthesize a single image by analyzing multiple facial regions and details.

It consists of a non-linear regression model that maps a specific thermal image into a corresponding visible facial image and an optimization issue that projects the latent projection back into the image space. ARL scientists have noted that the approach works by combining global information (i.e. features across the entire face) with local information (i.e. features regarding the eyes, nose, and mouth).

According to performance tests conducted at ARL, the multi-region cross-spectrum synthesis model demonstrated a performance improvement of about 30% over baseline methods and about 5% over state-of-the-art methods. Founded in 2013, Looksery went on to raise money for its face modification app on Kickstarter. After successful crowdfunding, Looksery launched in October 2014.

The application allows video chat with others through a special filter for faces that modifies the look of users. Image augmenting applications already on the market, such as Facetune and Perfect365, were limited to static images, whereas Looksery allowed augmented reality to live videos. In late 2015 SnapChat purchased Looksery, which would then become its landmark lenses function.Snapchat filter applications use face detection technology and on the basis of the facial features identified in an image a 3D mesh mask is layered over the face.

DeepFace is a deep learning facial recognition system created by a research group at Facebook. It identifies human faces in digital images. It employs a nine-layer neural net with over 120 million connection weights, and was trained on four million images uploaded by Facebook users. The system is said to be 97% accurate, compared to 85% for the FBI’s Next Generation Identification system.

TikTok‘s algorithm has been regarded as especially effective, but many were left to wonder at the exact programming that caused the app to be so effective in guessing the user’s desired content. In June 2020, TikTok released a statement regarding the “For You” page, and how they recommended videos to users, which did not include facial recognition. In February 2021, however, TikTok agreed to a $92 million settlement to a US lawsuit which alleged that the app had used facial recognition in both user videos and its algorithm to identify age, gender and ethnicity.

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Inside Apple’s Impossible War On Child Exploitation

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Joe Mollick had spent much of his life dreaming of becoming a rich and famous oncologist, a luminary of cancer treatment, the man who would cure the disease for good. It was a quixotic quest for the 60-year-old, one that left him defeated and hopelessly isolated. He turned to pornography to ease his feelings of loneliness. When those feelings became more severe, so did his taste for porn; he began seeking out child sexual abuse material (CSAM).

When the cops first caught Mollick uploading CSAM on a messaging application called Kik in 2019, they searched his electronics and discovered a stash of 2,000 illegal images and videos of children and some 800 files of what a search warrant reviewed by Forbes described as “child erotica.” Investigators found that material had been uploaded and stored in his iCloud account, though Apple hadn’t been the one to notify the police.

It was Kik that provided the tip that led to Mollick’s capture and two-year prison sentence. The company was alerted to the images by a Microsoft tool called PhotoDNA, which uses a digital fingerprint to identify known CSAM. That Apple didn’t flag the illegal material isn’t surprising: Other than its standard scan of outgoing email attachments, the company has long chosen not to screen unencrypted iCloud data for known CSAM.

And while it developed a cryptographic system to do just that, Apple abandoned it at the end of 2022, a polarizing move that drew praise from privacy hawks and outrage from child safety advocates. The company framed the controversial decision as reflective of its commitment to privacy—a stance that has earned the world’s richest company plenty of plaudits….Continue reading

By: Thomas Fox-Brewster and Alexandra S. Levine

Source: Inside Apple’s Impossible War On Child Exploitation

Critics:

Child sexual abuse is a form of child abuse in which a child is abused for the sexual gratification of an adult or older adolescent. It includes direct sexual contact, the adult or otherwise older person engaging indecent exposure (of the genitals, female nipples, etc.) to a child with intent to gratify their own sexual desires or to intimidate or groom the child, asking or pressuring a child to engage in sexual activities, displaying pornography to a child, or using a child to produce child pornography.

Effects of child sexual abuse include shame, self-blame, depression, anxiety, post-traumatic stress disorder, self-esteem issues, sexual dysfunction, chronic pelvic pain, addiction, self-injury, suicidal ideation, borderline personality disorder, and propensity to re-victimization in adulthood. Child sexual abuse is a risk factor for attempting suicide. Additionally, some studies have shown childhood sexual abuse to be a risk factor of the perpetration of intimate partner violence in men.

Much of the harm caused to victims becomes apparent years after the abuse happens. With specific regard to addiction, a study by Reiger et al. supports previous findings that adverse life events increase sensitivity to drug rewards and bolster drug reward signaling by exposing an association between heightened limbic response to cocaine cues. Sexual abuse by a family member is a form of incest, which can result in severe long-term psychological trauma, especially in the case of parental incest.

Globally, approximately 18–19% of women and 8% of men disclose being sexually abused during their childhood. The gender gap may be caused by higher victimization of girls, lower willingness of men to disclose abuse, or both. Most sexual abuse offenders are acquainted with their victims; approximately 30% are relatives of the child, most often fathers, uncles or cousins; around 60% are other acquaintances such as friends of the family, babysitters, or neighbors; strangers are the offenders in approximately 10% of child sexual abuse cases.

Most child sexual abuse is committed by men; women commit approximately 14% of offenses reported against boys and 6% of offenses reported against girls. Child sexual abuse offenders are not pedophiles unless they have a primary or exclusive sexual interest in prepubescent children. Sexual abuse is known to occur in facilities for both genders, however it is especially predominant with female prisoners.

Common acts can include arbitrary and extensive strip searches as well as other forms of forced denudation beyond general necessity, excessive vaginal or rectal contraband searches or other internal checks including the oral cavity of a prisoner. In extreme cases even forced insertion of objects into the inmate’s vagina or rectum and also forced sexual intercourse is known to occur mostly on female detainees.

Captive breeding activities are sometimes described as sexual abuse. People for the Ethical Treatment of Animals (PETA) has specifically objected, for example, to SeaWorld‘s breeding of orcas (Orcinus orca). Captive breeding of animals led to the idea of capturing and enslaving women for involuntary breeding according to Charles Patterson. In the emergency department, contraceptive medications are offered to women raped by men because about 5% of such rapes result in pregnancy.

Preventative medication against sexually transmitted infections are given to victims of all types of sexual abuse (especially for the most common diseases like chlamydia, gonorrhea, trichomoniasis and bacterial vaginosis) and a blood serum is collected to test for STIs (such as HIV, hepatitis B and syphilis). Any survivor with abrasions are immunized for tetanus if 5 years have elapsed since the last immunization. Short-term treatment with a benzodiazepine may help with acute anxiety and antidepressants may be helpful for symptoms of PTSD, depression and panic attacks.

Sexual abuse has been linked to the development of psychotic symptoms in abused children. Treatment for psychotic symptoms may also be involved in sexual abuse treatment. In regards to long term psychological treatment, prolonged exposure therapy has been tested as a method of long-term PTSD treatment for victims of sexual abuse. Sexual misconduct can occur where one person uses a position of authority to compel another person to engage in an otherwise unwanted sexual activity.

For example, sexual harassment in the workplace might involve an employee being coerced into a sexual situation out of fear of being dismissed. Sexual harassment in education might involve a student submitting to the sexual advances of a person in authority in fear of being punished, for example by being given a failing grade.

Several sexual abuse scandals have involved abuse of religious authority and often cover-up among non-abusers, including cases in the Southern Baptist Convention. In October 2020, a powerful member of the United Arab Emirates‘ royal family, Nahyan bin Mubarak Al Nahyan, was accused of exploiting his authority by a British citizen, Caitlin McNamara, who was working on Abu Dhabi Hay Festival.

On February 14 that year, the UAE’s Minister of Tolerance called McNamara for a dinner at his villa on private island and sexually abused the woman, who was organizing the literary festival for the country. Due to social media censorship algorithms, people wishing to discuss sex and particular sexual assault have adopted the ‘algospeak’ code word ‘mascara’ to refer to a boyfriend or romantic partner in a sexual context and then proceed to euphemistically describe bad experiences. The use of such code language can also lead to confusion and embarrassment for those who are unfamiliar with the intended meaning…

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5 Ways ChatGPT Can Improve, Not Replace, Your Writing

 PM Images/Getty Images

It’s been quite a year for ChatGPT, with the large language model (LLM) now taking exams, churning out content, searching the web, writing code, and more. The AI chatbot can produce its own stories, though whether they’re any good is another matter.

If you’re in any way involved in the business of writing, then tools like ChatGPT have the potential to complete up-end the way you work—but at this stage, it’s not inevitable that journalists, authors, and copywriters will be replaced by generative AI bots.

What we can say with certainty is that ChatGPT is a reliable writing assistant, provided you use it in the right way. If you have to put words in order as part of your job, here’s how ChatGPT might be able to take your writing to the next level—at least until it replaces you, anyway….Continue reading…

Source: 5 Ways ChatGPT Can Improve, Not Replace, Your Writing | WIRED

Critics:

Technology writer Dan Gillmor used ChatGPT in 2022 on a student assignment, and found its generated text was on par with what a good student would deliver and opined that “academia has some very serious issues to confront”. California high school teacher and author Daniel Herman wrote that ChatGPT would usher in “the end of high school English”.

In the Nature journal, Chris Stokel-Walker pointed out that teachers should be concerned about students using ChatGPT to outsource their writing, but that education providers will adapt to enhance critical thinking or reasoning.  Emma Bowman with NPR wrote of the danger of students plagiarizing through an AI tool that may output biased or nonsensical text with an authoritative tone.

Joanna Stern in The Wall Street Journal described cheating in American high school English with the tool by submitting a generated essay. Professor Darren Hick of Furman University suggested a policy of giving an ad-hoc individual oral exam on the paper topic if a student is strongly suspected of submitting an AI-generated paper.

The New York City Department of Education reportedly blocked access to ChatGPT in December 2022 and officially announced a ban around January 4, 2023. The ban was lifted in May 2023, with an official statement that encourages use of AI tools like ChatGPT by students. In February 2023, the University of Hong Kong sent a campus-wide email to instructors and students stating that the use of ChatGPT or other AI tools is prohibited in all classes, assignments and assessments at the university.

Any violations would be treated as plagiarism by the university unless the student obtains the prior written consent from the course instructor. In a poll conducted in March and April 2023, 38% of American students reported they had used ChatGPT for a school assignment without teacher permission. In total, 58% of the students reported having used ChatGPT. In a blinded test, ChatGPT was judged to have passed graduate-level exams at the University of Minnesota at the level of a C+ student and at Wharton School of the University of Pennsylvania with a B to B− grade.

The performance of ChatGPT for computer programming of numerical methods was assessed by a Stanford University student and faculty in March 2023 through a variety of computational mathematics examples. Assessment psychologist Eka Roivainen administered a partial IQ test to ChatGPT and estimated its Verbal IQ to be 155, which would put it in the top 0.1% of test-takers.

Geography professor Terence Day assessed citations generated by ChatGPT and found that they were fake. Despite that, he writes that “the titles of the fake articles are all directly relevant to the questions and could potentially make excellent papers.

The lack of a genuine citation could signal an opportunity for an enterprising author to fill a void.” According to Day, it is possible to generate high-quality introductory college courses with ChatGPT; he used it to write materials on “introductory physical geography courses, for my second-year course in geographical hydrology, and second-year cartography, geographic information systems, and remote sensing”. He concludes that “this approach could have significant relevance for open learning and could potentially affect current textbook publishing models”.

Related contents:

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AdRaven       https://jvz3.com/c/202927/382851/
Adsense Machine      https://jvz2.com/c/202927/290487
AdsReel   https://jvz4.com/c/202927/397773/
Adtivate Agency      https://jvz3.com/c/202927/383700/
AdvertSuite     https://jvz1.com/c/202927/335011/
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AffiliateMaestro    https://jvz8.com/c/202927/390785/
AffiliateMatic     https://jvz3.com/c/202927/381148/
Agency Client Finder   https://jvz4.com/c/202927/388372/
Agency Icelerate  https://jvz6.com/c/202927/394703/
AgencyScale      https://jvz4.com/c/202927/383111/
AI Children Book   https://jvz8.com/c/202927/395939/
AI Marketo   https://jvz4.com/c/202927/394943/
AI PixelStudio  https://jvz8.com/c/202927/398301/
AI Prompt Ace  https://jvz1.com/c/202927/395000/
AidAll   https://jvz3.com/c/202927/394004/
AiMate    https://jvz3.com/c/202927/393243/
AIWA Commercial     https://jvz2.com/c/202927/365061
ALL-in-One HD Stock    https://jvz4.com/c/202927/381560
Animasly   https://jvz4.com/c/202927/391498/
Animaxime    https://jvz2.com/c/202927/383307/
Appimize      https://jvz8.com/c/202927/370227
Appoint B Agency     https://jvz1.com/c/202927/384630/
Appointomatic      https://jvz6.com/c/202927/374258
Appowls    https://jvz4.com/c/202927/381231/
Art Of Living    https://jvz4.com/c/202927/382425/
AssetsHoldings    https://assets-holdings.com/secure/signup/3TKX1sq7
Audiencetoolkit     https://jvz6.com/c/202927/302715
Audika   https://jvz1.com/c/202927/383635/
Audio Studio  https://jvz8.com/c/202927/389119/
Aweber Crash Course     https://jvz6.com/c/202927/383057/
Backlinkindexer    https://jvz6.com/c/202927/88118
BettingMaster      https://jvz2.com/c/202927/387079/
BevTraders    http://www.bevtraders.com/?ref=arminham
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BigDesignClub   https://jvz2.com/c/202927/389213/
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BrandElevate   https://jvz4.com/c/202927/381807/
Burghi Signal Forex   https://jvz4.com/c/202927/145235/
Bybit     https://www.bybit.com/en-US/invite?ref=ALEXP
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Click Agency    https://jvz2.com/c/202927/393023/
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Commission smasher   https://jvz3.com/c/202927/376879
Content Gorilla   https://jvz2.com/c/202927/330783
Content Tool Kit   https://jvz3.com/c/202927/329145/
contentGenie   https://jvz4.com/c/202927/387717/
ContentReel   https://jvz4.com/c/202927/390951/
CoolCharm   https://tinyurl.com/bdhxb9y7
CopyHackBox  https://jvz3.com/c/202927/393379/
CourseAlly eLearning   https://jvz4.com/c/202927/384759/
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Credit Repair   https://jvz8.com/c/202927/377815/
Cryptokit    https://jvz8.com/c/202927/383809/
CryptoRocket    https://jvz6.com/c/202927/378113/
CryptoSuite   https://jvz4.com/c/202927/294892/
CryptoUnderworld     https://jvz8.com/c/202927/374345/
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DesignaSuite      https://jvz2.com/c/202927/297271
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DesignBundle  https://jvz8.com/c/202927/339255/
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Easy NFT  https://jvz4.com/c/202927/381381/
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Extreme Coupon  https://jvz1.com/c/202927/216101/
EZ Local Appointment  https://jvz2.com/c/202927/385180/
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Facebook Cash Machine   https://jvz4.com/c/202927/382333/
Facedrip  https://jvz1.com/c/202927/376325/
FaceSwap   https://jvz4.com/c/202927/381768/
Fade To Black   https://jvz2.com/c/202927/344541
Fanpage  https://jvz4.com/c/202927/144349
FexBitsCrypto   http://fexbits.com/referral/arminham
Fitness Nutrition   https://jvz4.com/c/202927/353334/
FitnessVideo   https://jvz6.com/c/202927/390717/
FlipGuardian   https://jvz1.com/c/202927/392631/
Followup Builder   https://jvz3.com/c/202927/386313/
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Forex Mastery   https://jvz2.com/c/202927/144621/
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FusionMT4    https://jvz2.com/c/202927/372523/
FX Goldminer  https://jvz1.com/c/202927/381439/
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GMB Snap  https://jvz4.com/c/202927/376661/
GPT Videos   https://jvz1.com/c/202927/395254/
Graphic Alta  https://jvz2.com/c/202927/324492/
Graphydo   https://jvz1.com/c/202927/375237/
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High Converting Emails  https://jvz3.com/c/202927/386305/
HostAgency   https://jvz4.com/c/202927/391715/
HostLegends    https://jvz4.com/c/202927/384774/
Hostley Domain Creator   https://jvz1.com/c/202927/379223/
Hostley23   https://jvz8.com/c/202927/377808/
Human Synthesys Studio  https://jvz8.com/c/202927/367353/
ImageX   https://jvz6.com/c/202927/363237/
IMSyndicator  https://jvz1.com/c/202927/370769
Inboxr   https://jvz2.com/c/202927/312692
Insta Keyword    https://jvz6.com/c/202927/351606/
Instant Designer    https://jvz2.com/c/202927/397433/
Instant Website   https://jvz2.com/c/202927/377557
InstantVidz   https://jvz6.com/c/202927/389247/
InstantWebsiteBundle          https://jvz6.com/c/202927/377557
Interactiva   https://jvz6.com/c/202927/387665/
iTraffic X  https://jvz2.com/c/202927/320466
Jones Fritz    https://jones-fritzmarketing.com/?rid=2793
keysearch  https://jvz4.com/c/202927/236407/
KlickCourse   https://jvz3.com/c/202927/385006/
KlickXCopy    https://jvz3.com/c/202927/385458/
Klippyo Kreators  https://jvz8.com/c/202927/327447
KoinCart   https://jvz2.com/c/202927/383555/
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LeadsGorilla   https://jvz2.com/c/202927/390077/
Leadvalet   https://jvz3.com/c/202927/385580/
LegalSuites   https://jvz2.com/c/202927/388896/
Levidio Royal Podcasting   https://jvz6.com/c/202927/384025/
Linkable DFY   https://jvz6.com/c/202927/385873/
Linkomatic  https://jvz2.com/c/202927/380937/
LinkPro    https://jvz6.com/c/202927/393326/
LiteTrading   https://www.litefinance.com/?uid=929237543
Live Your Truth  https://jvz6.com/c/202927/379020
Living An Intentional Life    https://jvzoo.com/c/202927/382455
Living an International Life    https://jvz8.com/c/202927/382455/
Local Leader   https://jvz4.com/c/202927/383751/
Local Sites   https://jvz4.com/c/202927/380543/
LocalAgencyBox  https://jvz2.com/c/202927/359468
LocalCentric   https://jvz2.com/c/202927/379339/
LocalioAI    https://jvz6.com/c/202927/378310/
Mail Conversio   https://jvz2.com/c/202927/397193/
MailerGPT   https://jvz2.com/c/202927/394283/
Mailing Hits   https://mailinghits.com/?rid=2075
MarketAll      https://jvz2.com/c/202927/386971/
Marketingblocks     https://jvz6.com/c/202927/374934
MarketPresso   https://jvz3.com/c/202927/343043/
Massfluence  https://jvz4.com/c/202927/386885/
Mat1 Simple Funnel   https://jvz2.com/c/202927/380197/
Maxslides  https://jvz8.com/c/202927/376842
Mech Forex Robot   https://jvz6.com/c/202927/383447/
MediaCloudPro   https://jvz2.com/c/202927/343635
Megasuite   https://jvz3.com/c/202927/383953/
MemberOwls   https://jvz8.com/c/202927/389039/
Mobi First   https://jvz2.com/c/202927/353694/
Mobilio  https://jvz4.com/c/202927/388285/
MonsterMedia   https://jvz4.com/c/202927/390391/
Motion Kingdom Studio  https://jvz4.com/c/202927/383177/
MotoAI   https://jvz3.com/c/202927/397007/
Movid Animation  https://jvz6.com/c/202927/380385/
MT4Code System   https://jvz2.com/c/202927/376925
My Passive Income   https://jvz1.com/c/202927/384099/
MyMailIt   https://jvz3.com/c/202927/292919
Mystery Mails   https://mysterymails.top/?rid=1839
MyTrafficJacker   https://jvz2.com/c/202927/353558
Next Drive  https://jvz4.com/c/202927/371095/
Nexus GPT    https://jvz3.com/c/202927/397652/
NichBox  https://jvz2.com/c/202927/370705/
Northern Mailer   https://northernmailer.com/?rid=7339
Organic Life Guide  https://jvz8.com/c/202927/366872/
Ovizi  https://jvz3.com/c/202927/390384/
Pcommerce   https://jvz6.com/c/202927/372265/
Phemex  https://phemex.com/register-vt1?referralCode=D8HUS2
Photokit  https://jvz4.com/c/202927/373207/
PicsAds   https://jvz2.com/c/202927/385468/
PigMoneyMethod   https://jvz2.com/c/202927/377665/
Pipstock    http://pipstockexchange.com/register?ref=204
Pitchdeck   https://jvz3.com/c/202927/347847/
PitchKickstart   https://jvz8.com/c/202927/391150/
Pixal  https://jvz2.com/c/202927/378775/
PixaStudio    https://jvz1.com/c/202927/373089/
Pixio Graphics    https://jvz8.com/c/202927/396377/
Pixivid   https://jvz6.com/c/202927/385213/
PlanB Muscle Growth   https://jvz1.com/c/202927/36517/
Plannero   https://jvz4.com/c/202927/394317/
PlayerNeos   https://jvz2.com/c/202927/376962
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Podcast Masterclass  https://jvz3.com/c/202927/379998/
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Postradamus     https://jvz6.com/c/202927/108695
Power Reviews    https://jvz8.com/c/202927/384625/
PowerAds  https://jvz3.com/c/202927/390254/
PowerHabits  https://jvz6.com/c/202927/390625/
Powrsuite   https://jvz1.com/c/202927/390564/
PR Rage  https://jvz4.com/c/202927/343405
Prime Stocks   https://jvz8.com/c/202927/369164
Probit Global  https://www.probit.com/r/66164420
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Promovidz   https://jvz8.com/c/202927/375692/
Prompt Merchant   https://jvz1.com/c/202927/392472/
PromptStrongBox  https://jvz3.com/c/202927/392796/
Push Button Traffic   https://jvz2.com/c/202927/301402
PWA Agency   https://jvz1.com/c/202927/353694/
QR Verse   https://jvz3.com/c/202927/383865/
Quick Studio   https://jvz6.com/c/202927/398151/
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Quintex Capital     https://quintexcapital.com/?ref=arminham
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ShopABot   https://jvz2.com/c/202927/291955
ShopFunnels   https://jvz3.com/c/202927/384069/
SocialAgency360   https://jvz1.com/c/202927/385357/
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SociJam  https://jvz2.com/c/202927/309649
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Stoodaio   https://jvz6.com/c/202927/388794/
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StoryReel   https://jvz3.com/c/202927/387813/
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Sunday Freebie  https://jvz1.com/c/202927/267113/
Super Affiliate AI  https://jvz3.com/c/202927/397056/
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VideoGameSuite    https://jvz3.com/c/202927/366537/
VideoRobot Enterprise   https://jvz8.com/c/202927/291061
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VR Studio  https://jvz8.com/c/202927/388296/
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Why Is Technology Not Making Us More Productive?

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We are often told that we are in the midst of a technological revolution.

That business and the world of work continue to be transformed and improved by computers, the internet, the increased speed of communication, data processing, robotics, and now – artificial intelligence. There is only one small problem with all this – none of it seems to show up in the economic data. If all this technology really is making us all work faster and better, there is precious little evidence.

Between 1974 and 2008 the UK’s productivity – the amount of output you get per worker – grew at an annual rate of 2.3%. But between 2008 and 2020 the rate of productivity growth collapsed to around 0.5% per annum. And in the first three months of this year, UK productivity was actually down 0.6% on a year earlier.

It is a similar picture in most other Western nations. In the US, productivity growth between 1995 and 2005 was 3.1%, but it then fell to 1.4% from 2005 to 2019. It feels like we are continuing to go through a huge period of innovation and technological advancement, but at the same time, productivity has slowed to a crawl. How can you explain this apparent paradox?….Continue reading….

By : Jonty Bloom

Source: Why is technology not making us more productive? – BBC News

Critics:

Integrating technology with standard curriculum can not only give students a sense of power but also allows for more advanced learning among broad topics. However, these technologies require infrastructure, continual maintenance, and repair – one determining element, among many, in how these technologies can be used for curricula purposes and whether or not they will be successful.

Examples of the infrastructure required to operate and support technology integration in schools include at the basic level electricity, Internet service providers, routers, modems, and personnel to maintain the network, beyond the initial cost of the hardware and software. Standard education curricula with an integration of technology can provide tools for advanced learning among a broad range of topics.

Integration of information and communication technology is often closely monitored and evaluated due to the current climate of accountability, outcome-based education, and standardization in assessment. Technology integration can in some instances be problematic. A high ratio of students to technological device has been shown to impede or slow learning and task completion. In some, instances dyadic peer interaction centered on integrated technology has proven to develop a more cooperative sense of social relations.

Success or failure of technology integration is largely dependent on factors beyond the technology. The availability of appropriate software for the technology being integrated is also problematic in terms of software accessibility to students and educators. Another issue identified with technology integration is the lack of long-range planning for these tools within the educative districts they are being used.

Technology contributes to global development and diversity in classrooms while helping to develop the fundamental building blocks needed for students to achieve more complex ideas. In order for technology to make an impact within the educational system, teachers and students must access technology in a contextual matter that is culturally relevant, responsive, and meaningful to their educational practice and that promotes quality teaching and active student learning.

National Educational Technology Standards (NETS) served as a roadmap since 1998 for improved teaching and learning by educators. As stated above, these standards are used by teachers, students, and administrators to measure competency and set higher goals to be skillful. The Partnership for 21st Century Skills is a national organization that advocates for 21st-century readiness for every student. Their most recent Technology Plan was released in 2010, “Transforming American Education: Learning Powered by Technology”.

This plan outlines a vision “to leverage the learning sciences and modern technology to create engaging, relevant, and personalized learning experiences for all learners that mirror students’ daily lives and the reality of their futures. In contrast to traditional classroom instruction, this requires that students be put at the center and encouraged to take control of their own learning by providing flexibility on several dimensions.” Although tools have changed dramatically since the beginnings of educational technology, this vision of using technology for empowered, self-directed learning has remained consistent.

According to findings from four meta-analyses, blending technology with face-to-face teacher time generally produces better outcomes than face-to-face or online learning alone. Research is currently limited on the specific features of technology integration that improve learning. Meanwhile, the marketplace of learning technologies continues to grow and vary widely in content, quality, implementation, and context of use.

Research shows that adding technology to K-12 environments, alone, does not necessarily improve learning. What matters most to implementing mobile learning is how students and teachers use technology to develop knowledge and skills and that requires training. Successful technology integration for learning goes hand in hand with changes in teacher training, curricula, and assessment practices.

An example of teacher professional development is profiled in Edutopia’s Schools That Work series on eMints, a program that offers teachers 200 hours of coaching and training in technology integration over a two-year span. In these workshops teachers are trained in practices such as using interactive whiteboards and the latest web tools to facilitate active learning. In a 2010 publication of Learning Point Associates, statistics showed that students of teachers who had participated in eMints had significantly higher standardized test scores than those attained by their peers.

It can keep students focused for longer periods of time. The use of computers to look up information/ data is a tremendous time saver, especially when used to access a comprehensive resource like the Internet to conduct research. This time-saving aspect can keep students focused on a project much longer than they would with books and paper resources, and it helps them develop better learning through exploration and research.

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Reputor   https://jvz8.com/c/202927/380159/
ResilienceMoms   https://stressilience.systeme.io/4442a198?sa=sa00386916227d755116a01578a5e00a942b8a2f2c
ReStory  https://jvz8.com/c/202927/391053/
Restrosuite   https://jvz3.com/c/202927/390810/
ReVideo  https://jvzoo.com/c/202927/381761
ReviewReel   https://jvz6.com/c/202927/382663/
Rewardsly  https://jvz1.com/c/202927/390109/
Rewriter   https://jvz4.com/c/202927/353373/
RotateTraffic   https://www.rotatefortraffic.com/?sa=sa00386916227d755116a01578a5e00a942b8a2f2c
RPS Express   https://jvz2.com/c/202927/393365/
RSI SEO   https://jvz8.com/c/202927/388594/
Scriptdio   https://jvz4.com/c/202927/385387/
Self Validation   https://jvz6.com/c/202927/389174/
Sellero    https://jvz6.com/c/202927/396539/
Sendiio   https://jvz3.com/c/202927/391876/
Seniors Income    https://jvz2.com/c/202927/383888/
Senuke  https://jvz6.com/c/202927/279944
SesitiveCreative   https://creative-edge-coaching.systeme.io/sensitivecreative?sa=sa00386916227d755116a01578a5e00a942b8a2f2c
ShopABot   https://jvz2.com/c/202927/291955
ShopFunnels   https://jvz3.com/c/202927/384069/
SocialAgency360   https://jvz1.com/c/202927/385357/
SocialBossCoaching   https://sio.thejfranco.com/tpsb-coaching?sa=sa00386916227d755116a01578a5e00a942b8a2f2c
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SociCake  https://jvz2.com/c/202927/321987
Socifeed   https://jvz6.com/c/202927/375706
SociGem   https://jvz8.com/c/202927/393287/
SociJam  https://jvz2.com/c/202927/309649
SociLinks   https://jvz4.com/c/202927/391595/
Soronity  https://jvz6.com/c/202927/368736
SqribbleEbook   https://jvz6.com/c/202927/283867
Stackable Mockup   https://jvz3.com/c/202927/396304/
Stackable Picture   https://jvz1.com/c/202927/385046/
Steven Alvey’s   https://jvz2.com/c/202927/351754
Stock Mages   https://jvz2.com/c/202927/388669/
Stoodaio   https://jvz6.com/c/202927/388794/
Storify   https://jvz8.com/c/202927/397317/
Storymate    https://jvz3.com/c/202927/320972
StoryReel   https://jvz3.com/c/202927/387813/
StreamPilot   https://jvz2.com/c/202927/385431/
Studioninja   https://jvz1.com/c/202927/374965
SuccessfulLife   https://aanjeku.systeme.io/practicalstepsforasuccessfulfast?sa=sa00386916227d755116a01578a5e00a942b8a2f2c
Sunday Freebie  https://jvz1.com/c/202927/267113/
Super Affiliate AI  https://jvz3.com/c/202927/397056/
Super backdrop   https://jvz8.com/c/202927/376524
Survai    https://jvz8.com/c/202927/380933/
Syndranker    https://jvz3.com/c/202927/378143/
Synergy Mails   https://synergymails.com/?rid=889
Systemeio     https://systeme.io/?sa=sa00386916227d755116a01578a5e00a942b8a2f2c
Talkingfaces   https://jvz3.com/c/202927/375550
The Internet Marketing   https://jvz2.com/c/202927/289944
Tonai Voice Content   https://jvz8.com/c/202927/383119/
Toon Video Maker    https://jvz2.com/c/202927/357201
TrafficForU   https://jvz3.com/c/202927/381950/
Trendio  https://jvz3.com/c/202927/381003/
TubePal   https://jvz6.com/c/202927/379863/
Tubeserp   https://jvz3.com/c/202927/370472
TubeTargeter  https://jvz6.com/c/202927/377211
TuneMingo    https://jvz3.com/c/202927/386556/
TV Boss Fire  https://jvz6.com/c/202927/379480/
Ultrafunnels A.I   https://jvz2.com/c/202927/381129/
VerticalVideo   https://jvz8.com/c/202927/392377/
VIADZ Ad Template  https://jvz4.com/c/202927/379307/
Vidcentric   https://jvz4.com/c/202927/376095
Viddeyo    https://jvz6.com/c/202927/382326/
ViddleInteract   https://jvz8.com/c/202927/388716/
Videevolve   https://jvz4.com/c/202927/381011/
Vidently   https://jvz1.com/c/202927/387798/
Video Campaignor      https://jvz4.com/c/202927/387058/
Video Games   https://jvz3.com/c/202927/184902/
VideoEnginePro     https://jvz2.com/c/202927/372916
VideoGameSuite    https://jvz3.com/c/202927/366537/
VideoRobot Enterprise   https://jvz8.com/c/202927/291061
Vidjack   https://jvz6.com/c/202927/364795/
VidKreate   https://jvz6.com/c/202927/386029/
VidMingo   https://jvz6.com/c/202927/378359/
VidRaffle   https://jvz2.com/c/202927/386840/
VidSnatcher    https://jvz3.com/c/202927/342585
VidStream   https://jvz3.com/c/202927/398058/
VidVoicer    https://jvz1.com/c/202927/379983/
Vidzura   https://jvz4.com/c/202927/385754/
Viral dash   https://jvz6.com/c/202927/375959
Viral Quotes      https://jvz2.com/c/202927/386984/
VirtualReel   https://jvz8.com/c/202927/376849
Vocalic  https://jvz2.com/c/202927/383848/
VoiceBuddy    https://jvz1.com/c/202927/342854
Voiclet   https://jvz4.com/c/202927/388755/
VR Studio  https://jvz8.com/c/202927/388296/
WebCop  https://jvz4.com/c/202927/378683/
Webinarkit   https://jvz3.com/c/202927/383937/
Webprimo   https://jvz1.com/c/202927/379455/
WordPress Mastery   https://jvz1.com/c/202927/386249/
WowBackgraounds   https://jvz2.com/c/202927/381556/
WP Simulator    https://jvz3.com/c/202927/46987/
wpfreshstart   https://jvz8.com/c/202927/299907
Writer Arc   https://jvz1.com/c/202927/386602/
writing job   https://jvz8.com/c/202927/213027
XBrain Forex   https://jvz3.com/c/202927/372305/
XFUNNELS   https://jvz2.com/c/202927/310335
Xinemax  https://jvz1.com/c/202927/381749/
YoDrive   https://jvz2.com/c/202927/384700/
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YTSuite   https://jvzoo.com/c/202927/381179
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