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Our world is changing too fast. We no longer have time to keep track of what breakthroughs are happening in the technology sector. The world is becoming more and more digital. We prefer virtual communication to real one. We unite in a community in virtual games. All our financial savings are in the cloud. Technology changes very quickly. But we must not stand aside. We need to be aware of these changes and what awaits us in the near future. Only in this way can we take control of the situation and our life. There is a lot of writing about technology and the future. But we recommend that you pay attention to two books that came out quite recently, but have already become bestsellers in the sections on the future, finance and mobile technologies. These are the books “Digital Man” by Chris Skinner and “Machine. Platform. The Crowd ”of recognized futurists and authors of the cult techno-bestseller“ The Second Age of Machines ”by Andrew McAfee and Eric Brinolfson.

Several powerful ideas from each book.

“A machine. Platform. The Crowd ”by Andrew McAfee and Eric Brinolfson

This book was written by two world-renowned techno gurus – Andrew McAfee and Eric Brinolfson. Their previous bestseller, The Second Age of Machines, a sprint of which we highly recommend reading, received over 600 reviews on Amazon with an average rating of 4.3 out of 5. This is a very high figure for a book with such a complex topic. In their new book, the authors continue to develop the topic of technologies and trends that will shape our immediate future.

Idea 1. Don’t trust algorithms too much

We have been relying more and more on algorithms lately. They choose the music for us that we most likely prefer to listen to. Shows relevant ads and displays search queries that are believed to best fit our profile. Algorithms are widely used in the banking sector, helping, in particular, to determine whether to issue a loan to a person or not. This system is called scoring. Even our smartphones have algorithms. And the influence of algorithms on our lives is growing. But the authors recommend showing a healthy doubt about what the algorithm is offering us. Machines are far from perfect and mistakes often occur. The wrong search terms are returned. Wrong decisions are being made. Therefore, the human factor is important, constant monitoring of algorithms, error correction and improvement of systems.

Idea 2.On the other hand – it is worth giving the making of simple decisions to the power of machines

This is dualism, but the authors understand that it is impossible to survive without artificial intelligence in the modern world. Too much data, too high a probability of human error. Therefore, the authors believe that programs should make decisions for a person if they concern some simple things. More complex issues need to be resolved in a man-machine union, where the machine will offer a solution, and the person will evaluate it for common sense. It is convenient, saves a lot of time on data processing and does not completely exclude human influence on making difficult decisions.

The Digital Human by Chris Skinner

This book is about how digital services will increase the efficiency of people and help people interact in real time thanks to mobile and blockchain technologies.

Idea 1. When will machines become smarter than humans?

Many people rightly believe that until machines can pass the Turing test, they cannot compete with humans. A Turing test is a set of tasks that, when performed, indicate that a machine performs them in the same way as a person. People cannot tell who completed the task, the car or the real person. But who will be this machine that finally passes the Turing test? How are we going to treat her? It is extremely difficult to answer these questions.

Today artificial intelligence is still very far from human. There are over 1000 billion neurons in the human brain. At the same time, the CAT project, which recognizes pictures of cats on the Internet, an advanced neural network with automatic learning, has the equivalent of only a billion neurons. Online translators are also developing at a rapid pace. And the future is just around the corner and a breakthrough in artificial intelligence will happen very soon. The author of the book believes that the Turing test will be passed in the next decade. And by the end of the 2020s, superintelligent intelligence will emerge, allowing machines to learn as effectively as humans.

Idea 2. When the banks “die”

The author is very skeptical about the classical banking system. He considers it to be very cumbersome, clumsy and resistant to change. Banks, according to the author, only shake the air by showing off a technological API, they know words such as blockchain and fintech. In fact, in the classical banking system, this is present insofar as. Banks are afraid to change their system, because the old is much more familiar and safer than new technologies unknown to most top management of banks. Therefore, the classical banking system, in the author’s opinion, is on the verge of a serious collapse. At the same time, young and ambitious fintech startups are already outperforming the largest banks on the planet. For example, the founders of Stripe, an internationally renowned payment system, became the youngest billionaires. PayPal, another payment system, overtook Barclays in its rating. The situation is changing very quickly. Banks need to seriously think about how to survive in the modern technological world, otherwise people will go to young companies that offer more advanced and less bureaucratic services.

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