• Ankur Kothari Q&A: Customer Engagement Book Interview

    Reading Time: 9 minutes
    In marketing, data isn’t a buzzword. It’s the lifeblood of all successful campaigns.
    But are you truly harnessing its power, or are you drowning in a sea of information? To answer this question, we sat down with Ankur Kothari, a seasoned Martech expert, to dive deep into this crucial topic.
    This interview, originally conducted for Chapter 6 of “The Customer Engagement Book: Adapt or Die” explores how businesses can translate raw data into actionable insights that drive real results.
    Ankur shares his wealth of knowledge on identifying valuable customer engagement data, distinguishing between signal and noise, and ultimately, shaping real-time strategies that keep companies ahead of the curve.

     
    Ankur Kothari Q&A Interview
    1. What types of customer engagement data are most valuable for making strategic business decisions?
    Primarily, there are four different buckets of customer engagement data. I would begin with behavioral data, encompassing website interaction, purchase history, and other app usage patterns.
    Second would be demographic information: age, location, income, and other relevant personal characteristics.
    Third would be sentiment analysis, where we derive information from social media interaction, customer feedback, or other customer reviews.
    Fourth would be the customer journey data.

    We track touchpoints across various channels of the customers to understand the customer journey path and conversion. Combining these four primary sources helps us understand the engagement data.

    2. How do you distinguish between data that is actionable versus data that is just noise?
    First is keeping relevant to your business objectives, making actionable data that directly relates to your specific goals or KPIs, and then taking help from statistical significance.
    Actionable data shows clear patterns or trends that are statistically valid, whereas other data consists of random fluctuations or outliers, which may not be what you are interested in.

    You also want to make sure that there is consistency across sources.
    Actionable insights are typically corroborated by multiple data points or channels, while other data or noise can be more isolated and contradictory.
    Actionable data suggests clear opportunities for improvement or decision making, whereas noise does not lead to meaningful actions or changes in strategy.

    By applying these criteria, I can effectively filter out the noise and focus on data that delivers or drives valuable business decisions.

    3. How can customer engagement data be used to identify and prioritize new business opportunities?
    First, it helps us to uncover unmet needs.

    By analyzing the customer feedback, touch points, support interactions, or usage patterns, we can identify the gaps in our current offerings or areas where customers are experiencing pain points.

    Second would be identifying emerging needs.
    Monitoring changes in customer behavior or preferences over time can reveal new market trends or shifts in demand, allowing my company to adapt their products or services accordingly.
    Third would be segmentation analysis.
    Detailed customer data analysis enables us to identify unserved or underserved segments or niche markets that may represent untapped opportunities for growth or expansion into newer areas and new geographies.
    Last is to build competitive differentiation.

    Engagement data can highlight where our companies outperform competitors, helping us to prioritize opportunities that leverage existing strengths and unique selling propositions.

    4. Can you share an example of where data insights directly influenced a critical decision?
    I will share an example from my previous organization at one of the financial services where we were very data-driven, which made a major impact on our critical decision regarding our credit card offerings.
    We analyzed the customer engagement data, and we discovered that a large segment of our millennial customers were underutilizing our traditional credit cards but showed high engagement with mobile payment platforms.
    That insight led us to develop and launch our first digital credit card product with enhanced mobile features and rewards tailored to the millennial spending habits. Since we had access to a lot of transactional data as well, we were able to build a financial product which met that specific segment’s needs.

    That data-driven decision resulted in a 40% increase in our new credit card applications from this demographic within the first quarter of the launch. Subsequently, our market share improved in that specific segment, which was very crucial.

    5. Are there any other examples of ways that you see customer engagement data being able to shape marketing strategy in real time?
    When it comes to using the engagement data in real-time, we do quite a few things. In the recent past two, three years, we are using that for dynamic content personalization, adjusting the website content, email messaging, or ad creative based on real-time user behavior and preferences.
    We automate campaign optimization using specific AI-driven tools to continuously analyze performance metrics and automatically reallocate the budget to top-performing channels or ad segments.
    Then we also build responsive social media engagement platforms like monitoring social media sentiments and trending topics to quickly adapt the messaging and create timely and relevant content.

    With one-on-one personalization, we do a lot of A/B testing as part of the overall rapid testing and market elements like subject lines, CTAs, and building various successful variants of the campaigns.

    6. How are you doing the 1:1 personalization?
    We have advanced CDP systems, and we are tracking each customer’s behavior in real-time. So the moment they move to different channels, we know what the context is, what the relevance is, and the recent interaction points, so we can cater the right offer.
    So for example, if you looked at a certain offer on the website and you came from Google, and then the next day you walk into an in-person interaction, our agent will already know that you were looking at that offer.
    That gives our customer or potential customer more one-to-one personalization instead of just segment-based or bulk interaction kind of experience.

    We have a huge team of data scientists, data analysts, and AI model creators who help us to analyze big volumes of data and bring the right insights to our marketing and sales team so that they can provide the right experience to our customers.

    7. What role does customer engagement data play in influencing cross-functional decisions, such as with product development, sales, and customer service?
    Primarily with product development — we have different products, not just the financial products or products whichever organizations sell, but also various products like mobile apps or websites they use for transactions. So that kind of product development gets improved.
    The engagement data helps our sales and marketing teams create more targeted campaigns, optimize channel selection, and refine messaging to resonate with specific customer segments.

    Customer service also gets helped by anticipating common issues, personalizing support interactions over the phone or email or chat, and proactively addressing potential problems, leading to improved customer satisfaction and retention.

    So in general, cross-functional application of engagement improves the customer-centric approach throughout the organization.

    8. What do you think some of the main challenges marketers face when trying to translate customer engagement data into actionable business insights?
    I think the huge amount of data we are dealing with. As we are getting more digitally savvy and most of the customers are moving to digital channels, we are getting a lot of data, and that sheer volume of data can be overwhelming, making it very difficult to identify truly meaningful patterns and insights.

    Because of the huge data overload, we create data silos in this process, so information often exists in separate systems across different departments. We are not able to build a holistic view of customer engagement.

    Because of data silos and overload of data, data quality issues appear. There is inconsistency, and inaccurate data can lead to incorrect insights or poor decision-making. Quality issues could also be due to the wrong format of the data, or the data is stale and no longer relevant.
    As we are growing and adding more people to help us understand customer engagement, I’ve also noticed that technical folks, especially data scientists and data analysts, lack skills to properly interpret the data or apply data insights effectively.
    So there’s a lack of understanding of marketing and sales as domains.
    It’s a huge effort and can take a lot of investment.

    Not being able to calculate the ROI of your overall investment is a big challenge that many organizations are facing.

    9. Why do you think the analysts don’t have the business acumen to properly do more than analyze the data?
    If people do not have the right idea of why we are collecting this data, we collect a lot of noise, and that brings in huge volumes of data. If you cannot stop that from step one—not bringing noise into the data system—that cannot be done by just technical folks or people who do not have business knowledge.
    Business people do not know everything about what data is being collected from which source and what data they need. It’s a gap between business domain knowledge, specifically marketing and sales needs, and technical folks who don’t have a lot of exposure to that side.

    Similarly, marketing business people do not have much exposure to the technical side — what’s possible to do with data, how much effort it takes, what’s relevant versus not relevant, and how to prioritize which data sources will be most important.

    10. Do you have any suggestions for how this can be overcome, or have you seen it in action where it has been solved before?
    First, cross-functional training: training different roles to help them understand why we’re doing this and what the business goals are, giving technical people exposure to what marketing and sales teams do.
    And giving business folks exposure to the technology side through training on different tools, strategies, and the roadmap of data integrations.
    The second is helping teams work more collaboratively. So it’s not like the technology team works in a silo and comes back when their work is done, and then marketing and sales teams act upon it.

    Now we’re making it more like one team. You work together so that you can complement each other, and we have a better strategy from day one.

    11. How do you address skepticism or resistance from stakeholders when presenting data-driven recommendations?
    We present clear business cases where we demonstrate how data-driven recommendations can directly align with business objectives and potential ROI.
    We build compelling visualizations, easy-to-understand charts and graphs that clearly illustrate the insights and the implications for business goals.

    We also do a lot of POCs and pilot projects with small-scale implementations to showcase tangible results and build confidence in the data-driven approach throughout the organization.

    12. What technologies or tools have you found most effective for gathering and analyzing customer engagement data?
    I’ve found that Customer Data Platforms help us unify customer data from various sources, providing a comprehensive view of customer interactions across touch points.
    Having advanced analytics platforms — tools with AI and machine learning capabilities that can process large volumes of data and uncover complex patterns and insights — is a great value to us.
    We always use, or many organizations use, marketing automation systems to improve marketing team productivity, helping us track and analyze customer interactions across multiple channels.
    Another thing is social media listening tools, wherever your brand is mentioned or you want to measure customer sentiment over social media, or track the engagement of your campaigns across social media platforms.

    Last is web analytical tools, which provide detailed insights into your website visitors’ behaviors and engagement metrics, for browser apps, small browser apps, various devices, and mobile apps.

    13. How do you ensure data quality and consistency across multiple channels to make these informed decisions?
    We established clear guidelines for data collection, storage, and usage across all channels to maintain consistency. Then we use data integration platforms — tools that consolidate data from various sources into a single unified view, reducing discrepancies and inconsistencies.
    While we collect data from different sources, we clean the data so it becomes cleaner with every stage of processing.
    We also conduct regular data audits — performing periodic checks to identify and rectify data quality issues, ensuring accuracy and reliability of information. We also deploy standardized data formats.

    On top of that, we have various automated data cleansing tools, specific software to detect and correct data errors, redundancies, duplicates, and inconsistencies in data sets automatically.

    14. How do you see the role of customer engagement data evolving in shaping business strategies over the next five years?
    The first thing that’s been the biggest trend from the past two years is AI-driven decision making, which I think will become more prevalent, with advanced algorithms processing vast amounts of engagement data in real-time to inform strategic choices.
    Somewhat related to this is predictive analytics, which will play an even larger role, enabling businesses to anticipate customer needs and market trends with more accuracy and better predictive capabilities.
    We also touched upon hyper-personalization. We are all trying to strive toward more hyper-personalization at scale, which is more one-on-one personalization, as we are increasingly capturing more engagement data and have bigger systems and infrastructure to support processing those large volumes of data so we can achieve those hyper-personalization use cases.
    As the world is collecting more data, privacy concerns and regulations come into play.
    I believe in the next few years there will be more innovation toward how businesses can collect data ethically and what the usage practices are, leading to more transparent and consent-based engagement data strategies.
    And lastly, I think about the integration of engagement data, which is always a big challenge. I believe as we’re solving those integration challenges, we are adding more and more complex data sources to the picture.

    So I think there will need to be more innovation or sophistication brought into data integration strategies, which will help us take a truly customer-centric approach to strategy formulation.

     
    This interview Q&A was hosted with Ankur Kothari, a previous Martech Executive, for Chapter 6 of The Customer Engagement Book: Adapt or Die.
    Download the PDF or request a physical copy of the book here.
    The post Ankur Kothari Q&A: Customer Engagement Book Interview appeared first on MoEngage.
    #ankur #kothari #qampampa #customer #engagement
    Ankur Kothari Q&A: Customer Engagement Book Interview
    Reading Time: 9 minutes In marketing, data isn’t a buzzword. It’s the lifeblood of all successful campaigns. But are you truly harnessing its power, or are you drowning in a sea of information? To answer this question, we sat down with Ankur Kothari, a seasoned Martech expert, to dive deep into this crucial topic. This interview, originally conducted for Chapter 6 of “The Customer Engagement Book: Adapt or Die” explores how businesses can translate raw data into actionable insights that drive real results. Ankur shares his wealth of knowledge on identifying valuable customer engagement data, distinguishing between signal and noise, and ultimately, shaping real-time strategies that keep companies ahead of the curve.   Ankur Kothari Q&A Interview 1. What types of customer engagement data are most valuable for making strategic business decisions? Primarily, there are four different buckets of customer engagement data. I would begin with behavioral data, encompassing website interaction, purchase history, and other app usage patterns. Second would be demographic information: age, location, income, and other relevant personal characteristics. Third would be sentiment analysis, where we derive information from social media interaction, customer feedback, or other customer reviews. Fourth would be the customer journey data. We track touchpoints across various channels of the customers to understand the customer journey path and conversion. Combining these four primary sources helps us understand the engagement data. 2. How do you distinguish between data that is actionable versus data that is just noise? First is keeping relevant to your business objectives, making actionable data that directly relates to your specific goals or KPIs, and then taking help from statistical significance. Actionable data shows clear patterns or trends that are statistically valid, whereas other data consists of random fluctuations or outliers, which may not be what you are interested in. You also want to make sure that there is consistency across sources. Actionable insights are typically corroborated by multiple data points or channels, while other data or noise can be more isolated and contradictory. Actionable data suggests clear opportunities for improvement or decision making, whereas noise does not lead to meaningful actions or changes in strategy. By applying these criteria, I can effectively filter out the noise and focus on data that delivers or drives valuable business decisions. 3. How can customer engagement data be used to identify and prioritize new business opportunities? First, it helps us to uncover unmet needs. By analyzing the customer feedback, touch points, support interactions, or usage patterns, we can identify the gaps in our current offerings or areas where customers are experiencing pain points. Second would be identifying emerging needs. Monitoring changes in customer behavior or preferences over time can reveal new market trends or shifts in demand, allowing my company to adapt their products or services accordingly. Third would be segmentation analysis. Detailed customer data analysis enables us to identify unserved or underserved segments or niche markets that may represent untapped opportunities for growth or expansion into newer areas and new geographies. Last is to build competitive differentiation. Engagement data can highlight where our companies outperform competitors, helping us to prioritize opportunities that leverage existing strengths and unique selling propositions. 4. Can you share an example of where data insights directly influenced a critical decision? I will share an example from my previous organization at one of the financial services where we were very data-driven, which made a major impact on our critical decision regarding our credit card offerings. We analyzed the customer engagement data, and we discovered that a large segment of our millennial customers were underutilizing our traditional credit cards but showed high engagement with mobile payment platforms. That insight led us to develop and launch our first digital credit card product with enhanced mobile features and rewards tailored to the millennial spending habits. Since we had access to a lot of transactional data as well, we were able to build a financial product which met that specific segment’s needs. That data-driven decision resulted in a 40% increase in our new credit card applications from this demographic within the first quarter of the launch. Subsequently, our market share improved in that specific segment, which was very crucial. 5. Are there any other examples of ways that you see customer engagement data being able to shape marketing strategy in real time? When it comes to using the engagement data in real-time, we do quite a few things. In the recent past two, three years, we are using that for dynamic content personalization, adjusting the website content, email messaging, or ad creative based on real-time user behavior and preferences. We automate campaign optimization using specific AI-driven tools to continuously analyze performance metrics and automatically reallocate the budget to top-performing channels or ad segments. Then we also build responsive social media engagement platforms like monitoring social media sentiments and trending topics to quickly adapt the messaging and create timely and relevant content. With one-on-one personalization, we do a lot of A/B testing as part of the overall rapid testing and market elements like subject lines, CTAs, and building various successful variants of the campaigns. 6. How are you doing the 1:1 personalization? We have advanced CDP systems, and we are tracking each customer’s behavior in real-time. So the moment they move to different channels, we know what the context is, what the relevance is, and the recent interaction points, so we can cater the right offer. So for example, if you looked at a certain offer on the website and you came from Google, and then the next day you walk into an in-person interaction, our agent will already know that you were looking at that offer. That gives our customer or potential customer more one-to-one personalization instead of just segment-based or bulk interaction kind of experience. We have a huge team of data scientists, data analysts, and AI model creators who help us to analyze big volumes of data and bring the right insights to our marketing and sales team so that they can provide the right experience to our customers. 7. What role does customer engagement data play in influencing cross-functional decisions, such as with product development, sales, and customer service? Primarily with product development — we have different products, not just the financial products or products whichever organizations sell, but also various products like mobile apps or websites they use for transactions. So that kind of product development gets improved. The engagement data helps our sales and marketing teams create more targeted campaigns, optimize channel selection, and refine messaging to resonate with specific customer segments. Customer service also gets helped by anticipating common issues, personalizing support interactions over the phone or email or chat, and proactively addressing potential problems, leading to improved customer satisfaction and retention. So in general, cross-functional application of engagement improves the customer-centric approach throughout the organization. 8. What do you think some of the main challenges marketers face when trying to translate customer engagement data into actionable business insights? I think the huge amount of data we are dealing with. As we are getting more digitally savvy and most of the customers are moving to digital channels, we are getting a lot of data, and that sheer volume of data can be overwhelming, making it very difficult to identify truly meaningful patterns and insights. Because of the huge data overload, we create data silos in this process, so information often exists in separate systems across different departments. We are not able to build a holistic view of customer engagement. Because of data silos and overload of data, data quality issues appear. There is inconsistency, and inaccurate data can lead to incorrect insights or poor decision-making. Quality issues could also be due to the wrong format of the data, or the data is stale and no longer relevant. As we are growing and adding more people to help us understand customer engagement, I’ve also noticed that technical folks, especially data scientists and data analysts, lack skills to properly interpret the data or apply data insights effectively. So there’s a lack of understanding of marketing and sales as domains. It’s a huge effort and can take a lot of investment. Not being able to calculate the ROI of your overall investment is a big challenge that many organizations are facing. 9. Why do you think the analysts don’t have the business acumen to properly do more than analyze the data? If people do not have the right idea of why we are collecting this data, we collect a lot of noise, and that brings in huge volumes of data. If you cannot stop that from step one—not bringing noise into the data system—that cannot be done by just technical folks or people who do not have business knowledge. Business people do not know everything about what data is being collected from which source and what data they need. It’s a gap between business domain knowledge, specifically marketing and sales needs, and technical folks who don’t have a lot of exposure to that side. Similarly, marketing business people do not have much exposure to the technical side — what’s possible to do with data, how much effort it takes, what’s relevant versus not relevant, and how to prioritize which data sources will be most important. 10. Do you have any suggestions for how this can be overcome, or have you seen it in action where it has been solved before? First, cross-functional training: training different roles to help them understand why we’re doing this and what the business goals are, giving technical people exposure to what marketing and sales teams do. And giving business folks exposure to the technology side through training on different tools, strategies, and the roadmap of data integrations. The second is helping teams work more collaboratively. So it’s not like the technology team works in a silo and comes back when their work is done, and then marketing and sales teams act upon it. Now we’re making it more like one team. You work together so that you can complement each other, and we have a better strategy from day one. 11. How do you address skepticism or resistance from stakeholders when presenting data-driven recommendations? We present clear business cases where we demonstrate how data-driven recommendations can directly align with business objectives and potential ROI. We build compelling visualizations, easy-to-understand charts and graphs that clearly illustrate the insights and the implications for business goals. We also do a lot of POCs and pilot projects with small-scale implementations to showcase tangible results and build confidence in the data-driven approach throughout the organization. 12. What technologies or tools have you found most effective for gathering and analyzing customer engagement data? I’ve found that Customer Data Platforms help us unify customer data from various sources, providing a comprehensive view of customer interactions across touch points. Having advanced analytics platforms — tools with AI and machine learning capabilities that can process large volumes of data and uncover complex patterns and insights — is a great value to us. We always use, or many organizations use, marketing automation systems to improve marketing team productivity, helping us track and analyze customer interactions across multiple channels. Another thing is social media listening tools, wherever your brand is mentioned or you want to measure customer sentiment over social media, or track the engagement of your campaigns across social media platforms. Last is web analytical tools, which provide detailed insights into your website visitors’ behaviors and engagement metrics, for browser apps, small browser apps, various devices, and mobile apps. 13. How do you ensure data quality and consistency across multiple channels to make these informed decisions? We established clear guidelines for data collection, storage, and usage across all channels to maintain consistency. Then we use data integration platforms — tools that consolidate data from various sources into a single unified view, reducing discrepancies and inconsistencies. While we collect data from different sources, we clean the data so it becomes cleaner with every stage of processing. We also conduct regular data audits — performing periodic checks to identify and rectify data quality issues, ensuring accuracy and reliability of information. We also deploy standardized data formats. On top of that, we have various automated data cleansing tools, specific software to detect and correct data errors, redundancies, duplicates, and inconsistencies in data sets automatically. 14. How do you see the role of customer engagement data evolving in shaping business strategies over the next five years? The first thing that’s been the biggest trend from the past two years is AI-driven decision making, which I think will become more prevalent, with advanced algorithms processing vast amounts of engagement data in real-time to inform strategic choices. Somewhat related to this is predictive analytics, which will play an even larger role, enabling businesses to anticipate customer needs and market trends with more accuracy and better predictive capabilities. We also touched upon hyper-personalization. We are all trying to strive toward more hyper-personalization at scale, which is more one-on-one personalization, as we are increasingly capturing more engagement data and have bigger systems and infrastructure to support processing those large volumes of data so we can achieve those hyper-personalization use cases. As the world is collecting more data, privacy concerns and regulations come into play. I believe in the next few years there will be more innovation toward how businesses can collect data ethically and what the usage practices are, leading to more transparent and consent-based engagement data strategies. And lastly, I think about the integration of engagement data, which is always a big challenge. I believe as we’re solving those integration challenges, we are adding more and more complex data sources to the picture. So I think there will need to be more innovation or sophistication brought into data integration strategies, which will help us take a truly customer-centric approach to strategy formulation.   This interview Q&A was hosted with Ankur Kothari, a previous Martech Executive, for Chapter 6 of The Customer Engagement Book: Adapt or Die. Download the PDF or request a physical copy of the book here. The post Ankur Kothari Q&A: Customer Engagement Book Interview appeared first on MoEngage. #ankur #kothari #qampampa #customer #engagement
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    Ankur Kothari Q&A: Customer Engagement Book Interview
    Reading Time: 9 minutes In marketing, data isn’t a buzzword. It’s the lifeblood of all successful campaigns. But are you truly harnessing its power, or are you drowning in a sea of information? To answer this question (and many others), we sat down with Ankur Kothari, a seasoned Martech expert, to dive deep into this crucial topic. This interview, originally conducted for Chapter 6 of “The Customer Engagement Book: Adapt or Die” explores how businesses can translate raw data into actionable insights that drive real results. Ankur shares his wealth of knowledge on identifying valuable customer engagement data, distinguishing between signal and noise, and ultimately, shaping real-time strategies that keep companies ahead of the curve.   Ankur Kothari Q&A Interview 1. What types of customer engagement data are most valuable for making strategic business decisions? Primarily, there are four different buckets of customer engagement data. I would begin with behavioral data, encompassing website interaction, purchase history, and other app usage patterns. Second would be demographic information: age, location, income, and other relevant personal characteristics. Third would be sentiment analysis, where we derive information from social media interaction, customer feedback, or other customer reviews. Fourth would be the customer journey data. We track touchpoints across various channels of the customers to understand the customer journey path and conversion. Combining these four primary sources helps us understand the engagement data. 2. How do you distinguish between data that is actionable versus data that is just noise? First is keeping relevant to your business objectives, making actionable data that directly relates to your specific goals or KPIs, and then taking help from statistical significance. Actionable data shows clear patterns or trends that are statistically valid, whereas other data consists of random fluctuations or outliers, which may not be what you are interested in. You also want to make sure that there is consistency across sources. Actionable insights are typically corroborated by multiple data points or channels, while other data or noise can be more isolated and contradictory. Actionable data suggests clear opportunities for improvement or decision making, whereas noise does not lead to meaningful actions or changes in strategy. By applying these criteria, I can effectively filter out the noise and focus on data that delivers or drives valuable business decisions. 3. How can customer engagement data be used to identify and prioritize new business opportunities? First, it helps us to uncover unmet needs. By analyzing the customer feedback, touch points, support interactions, or usage patterns, we can identify the gaps in our current offerings or areas where customers are experiencing pain points. Second would be identifying emerging needs. Monitoring changes in customer behavior or preferences over time can reveal new market trends or shifts in demand, allowing my company to adapt their products or services accordingly. Third would be segmentation analysis. Detailed customer data analysis enables us to identify unserved or underserved segments or niche markets that may represent untapped opportunities for growth or expansion into newer areas and new geographies. Last is to build competitive differentiation. Engagement data can highlight where our companies outperform competitors, helping us to prioritize opportunities that leverage existing strengths and unique selling propositions. 4. Can you share an example of where data insights directly influenced a critical decision? I will share an example from my previous organization at one of the financial services where we were very data-driven, which made a major impact on our critical decision regarding our credit card offerings. We analyzed the customer engagement data, and we discovered that a large segment of our millennial customers were underutilizing our traditional credit cards but showed high engagement with mobile payment platforms. That insight led us to develop and launch our first digital credit card product with enhanced mobile features and rewards tailored to the millennial spending habits. Since we had access to a lot of transactional data as well, we were able to build a financial product which met that specific segment’s needs. That data-driven decision resulted in a 40% increase in our new credit card applications from this demographic within the first quarter of the launch. Subsequently, our market share improved in that specific segment, which was very crucial. 5. Are there any other examples of ways that you see customer engagement data being able to shape marketing strategy in real time? When it comes to using the engagement data in real-time, we do quite a few things. In the recent past two, three years, we are using that for dynamic content personalization, adjusting the website content, email messaging, or ad creative based on real-time user behavior and preferences. We automate campaign optimization using specific AI-driven tools to continuously analyze performance metrics and automatically reallocate the budget to top-performing channels or ad segments. Then we also build responsive social media engagement platforms like monitoring social media sentiments and trending topics to quickly adapt the messaging and create timely and relevant content. With one-on-one personalization, we do a lot of A/B testing as part of the overall rapid testing and market elements like subject lines, CTAs, and building various successful variants of the campaigns. 6. How are you doing the 1:1 personalization? We have advanced CDP systems, and we are tracking each customer’s behavior in real-time. So the moment they move to different channels, we know what the context is, what the relevance is, and the recent interaction points, so we can cater the right offer. So for example, if you looked at a certain offer on the website and you came from Google, and then the next day you walk into an in-person interaction, our agent will already know that you were looking at that offer. That gives our customer or potential customer more one-to-one personalization instead of just segment-based or bulk interaction kind of experience. We have a huge team of data scientists, data analysts, and AI model creators who help us to analyze big volumes of data and bring the right insights to our marketing and sales team so that they can provide the right experience to our customers. 7. What role does customer engagement data play in influencing cross-functional decisions, such as with product development, sales, and customer service? Primarily with product development — we have different products, not just the financial products or products whichever organizations sell, but also various products like mobile apps or websites they use for transactions. So that kind of product development gets improved. The engagement data helps our sales and marketing teams create more targeted campaigns, optimize channel selection, and refine messaging to resonate with specific customer segments. Customer service also gets helped by anticipating common issues, personalizing support interactions over the phone or email or chat, and proactively addressing potential problems, leading to improved customer satisfaction and retention. So in general, cross-functional application of engagement improves the customer-centric approach throughout the organization. 8. What do you think some of the main challenges marketers face when trying to translate customer engagement data into actionable business insights? I think the huge amount of data we are dealing with. As we are getting more digitally savvy and most of the customers are moving to digital channels, we are getting a lot of data, and that sheer volume of data can be overwhelming, making it very difficult to identify truly meaningful patterns and insights. Because of the huge data overload, we create data silos in this process, so information often exists in separate systems across different departments. We are not able to build a holistic view of customer engagement. Because of data silos and overload of data, data quality issues appear. There is inconsistency, and inaccurate data can lead to incorrect insights or poor decision-making. Quality issues could also be due to the wrong format of the data, or the data is stale and no longer relevant. As we are growing and adding more people to help us understand customer engagement, I’ve also noticed that technical folks, especially data scientists and data analysts, lack skills to properly interpret the data or apply data insights effectively. So there’s a lack of understanding of marketing and sales as domains. It’s a huge effort and can take a lot of investment. Not being able to calculate the ROI of your overall investment is a big challenge that many organizations are facing. 9. Why do you think the analysts don’t have the business acumen to properly do more than analyze the data? If people do not have the right idea of why we are collecting this data, we collect a lot of noise, and that brings in huge volumes of data. If you cannot stop that from step one—not bringing noise into the data system—that cannot be done by just technical folks or people who do not have business knowledge. Business people do not know everything about what data is being collected from which source and what data they need. It’s a gap between business domain knowledge, specifically marketing and sales needs, and technical folks who don’t have a lot of exposure to that side. Similarly, marketing business people do not have much exposure to the technical side — what’s possible to do with data, how much effort it takes, what’s relevant versus not relevant, and how to prioritize which data sources will be most important. 10. Do you have any suggestions for how this can be overcome, or have you seen it in action where it has been solved before? First, cross-functional training: training different roles to help them understand why we’re doing this and what the business goals are, giving technical people exposure to what marketing and sales teams do. And giving business folks exposure to the technology side through training on different tools, strategies, and the roadmap of data integrations. The second is helping teams work more collaboratively. So it’s not like the technology team works in a silo and comes back when their work is done, and then marketing and sales teams act upon it. Now we’re making it more like one team. You work together so that you can complement each other, and we have a better strategy from day one. 11. How do you address skepticism or resistance from stakeholders when presenting data-driven recommendations? We present clear business cases where we demonstrate how data-driven recommendations can directly align with business objectives and potential ROI. We build compelling visualizations, easy-to-understand charts and graphs that clearly illustrate the insights and the implications for business goals. We also do a lot of POCs and pilot projects with small-scale implementations to showcase tangible results and build confidence in the data-driven approach throughout the organization. 12. What technologies or tools have you found most effective for gathering and analyzing customer engagement data? I’ve found that Customer Data Platforms help us unify customer data from various sources, providing a comprehensive view of customer interactions across touch points. Having advanced analytics platforms — tools with AI and machine learning capabilities that can process large volumes of data and uncover complex patterns and insights — is a great value to us. We always use, or many organizations use, marketing automation systems to improve marketing team productivity, helping us track and analyze customer interactions across multiple channels. Another thing is social media listening tools, wherever your brand is mentioned or you want to measure customer sentiment over social media, or track the engagement of your campaigns across social media platforms. Last is web analytical tools, which provide detailed insights into your website visitors’ behaviors and engagement metrics, for browser apps, small browser apps, various devices, and mobile apps. 13. How do you ensure data quality and consistency across multiple channels to make these informed decisions? We established clear guidelines for data collection, storage, and usage across all channels to maintain consistency. Then we use data integration platforms — tools that consolidate data from various sources into a single unified view, reducing discrepancies and inconsistencies. While we collect data from different sources, we clean the data so it becomes cleaner with every stage of processing. We also conduct regular data audits — performing periodic checks to identify and rectify data quality issues, ensuring accuracy and reliability of information. We also deploy standardized data formats. On top of that, we have various automated data cleansing tools, specific software to detect and correct data errors, redundancies, duplicates, and inconsistencies in data sets automatically. 14. How do you see the role of customer engagement data evolving in shaping business strategies over the next five years? The first thing that’s been the biggest trend from the past two years is AI-driven decision making, which I think will become more prevalent, with advanced algorithms processing vast amounts of engagement data in real-time to inform strategic choices. Somewhat related to this is predictive analytics, which will play an even larger role, enabling businesses to anticipate customer needs and market trends with more accuracy and better predictive capabilities. We also touched upon hyper-personalization. We are all trying to strive toward more hyper-personalization at scale, which is more one-on-one personalization, as we are increasingly capturing more engagement data and have bigger systems and infrastructure to support processing those large volumes of data so we can achieve those hyper-personalization use cases. As the world is collecting more data, privacy concerns and regulations come into play. I believe in the next few years there will be more innovation toward how businesses can collect data ethically and what the usage practices are, leading to more transparent and consent-based engagement data strategies. And lastly, I think about the integration of engagement data, which is always a big challenge. I believe as we’re solving those integration challenges, we are adding more and more complex data sources to the picture. So I think there will need to be more innovation or sophistication brought into data integration strategies, which will help us take a truly customer-centric approach to strategy formulation.   This interview Q&A was hosted with Ankur Kothari, a previous Martech Executive, for Chapter 6 of The Customer Engagement Book: Adapt or Die. Download the PDF or request a physical copy of the book here. The post Ankur Kothari Q&A: Customer Engagement Book Interview appeared first on MoEngage.
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  • Tell Us the Speakers and Headphones You Like to Listen On

    Take the Speakers, Headphones, and Earphones SurveyTake other PCMag surveys. Each completed survey is a chance to win a Amazon gift card. OFFICIAL SWEEPSTAKES RULESNO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED. Readers' Choice Sweepstakesis governed by these official rules. The Sweepstakes begins on May 9, 2025, at 12:00 AM ET and ends on July 27, 2025, at 11:59 PM ET.SPONSOR: Ziff Davis, LLC, with an address of 360 Park Ave South, Floor 17, New York, NY 10010.ELIGIBILITY: This Sweepstakes is open to individuals who are eighteenyears of age or older at the time of entry who are legal residents of the fiftyUnited States of America or the District of Columbia. By entering the Sweepstakes as described in these Sweepstakes Rules, entrants represent and warrant that they are complying with these Sweepstakes Rules, and that they agree to abide by and be bound by all the rules and terms and conditions stated herein and all decisions of Sponsor, which shall be final and binding.All previous winners of any sweepstakes sponsored by Sponsor during the ninemonth period prior to the Selection Date are not eligible to enter. Any individualswho have, within the past sixmonths, held employment with or performed services for Sponsor or any organizations affiliated with the sponsorship, fulfillment, administration, prize support, advertisement or promotion of the Sweepstakesare not eligible to enter or win. Immediate Family Members and Household Members are also not eligible to enter or win. "Immediate Family Members" means parents, step-parents, legal guardians, children, step-children, siblings, step-siblings, or spouses of an Employee. "Household Members" means those individuals who share the same residence with an Employee at least threemonths a year.HOW TO ENTER: There are two methods to enter the Sweepstakes:fill out the online survey, orenter by mail.1. Survey Entry: To enter the Sweepstakes through the online survey, go to the survey page and complete the current survey during the Sweepstakes Period.2. Mail Entry: To enter the Sweepstakes by mail, on a 3" x 5" card, print your first and last name, street address, city, state, zip code, phone number, and email address. Mail your completed entry to:Readers' Choice Sweepstakes - Audio 2025c/o E. Griffith 624 Elm St. Ext.Ithaca, NY 14850-8786Mail Entries must be postmarked by July 28, 2025, and received by Aug. 4, 2025.Only oneentry per person is permitted, regardless of the entry method used. Subsequent attempts made by the same individual to submit multiple entries may result in the disqualification of the entrant.Only contributions submitted during the Sweepstakes Period will be eligible for entry into the Sweepstakes. No other methods of entry will be accepted. All entries become the property of Sponsor and will not be returned. Entries are limited to individuals only; commercial enterprises and business entities are not eligible. Use of a false account will disqualify an entry. Sponsor is not responsible for entries not received due to difficulty accessing the internet, service outage or delays, computer difficulties, and other technological problems.Entries are subject to any applicable restrictions or eligibility requirements listed herein. Entries will be deemed to have been made by the authorized account holder of the email or telephone phone number submitted at the time of entry and qualification. Multiple participants are not permitted to share the same email address. Should multiple users of the same e-mail account or mobile phone number, as applicable, enter the Sweepstakes and a dispute thereafter arises regarding the identity of the entrant, the Authorized Account Holder of said e-mail account or mobile phone account at the time of entry will be considered the entrant. "Authorized Account Holder" is defined as the natural person who is assigned an e-mail address or mobile phone number by an Internet access provider, online service provider, telephone service provider or other organization that is responsible for assigned e-mail addresses, phone numbers or the domain associated with the submitted e-mail address. Proof of submission of an entry shall not be deemed proof of receipt by the website administrator for online entries. When applicable, the website administrator's computer will be deemed the official time-keeping device for the Sweepstakes promotion. Entries will be disqualified if found to be incomplete and/or if Sponsor determines, in its sole discretion, that multiple entries were submitted by the same entrant in violation of the Sweepstakes Rules.Entries that are late, lost, stolen, mutilated, tampered with, illegible, incomplete, mechanically reproduced, inaccurate, postage-due, forged, irregular in any way or otherwise not in compliance with these Official Rules will be disqualified. All entries become the property of the Sponsor and will not be acknowledged or returned.WINNER SELECTION AND NOTIFICATION: Sponsor shall select the prize winneron or about Aug. 11, 2025,by random drawing or from among all eligible entries. The Winner will be notified via email to the contact information provided in the entry. Notification of the Winner shall be deemed to have occurred immediately upon sending of the notification by Sponsor. Selected winnerwill be required to respondto the notification within sevendays of attempted notification. The only entries that will be considered eligible entries are entries received by Sponsor within the Sweepstakes Period. The odds of winning depend on the number of eligible entries received. The Sponsor reserves the right, in its sole discretion, to choose an alternative winner in the event that a possible winner has been disqualified or is deemed ineligible for any reason.Recommended by Our EditorsPRIZE: Onewinner will receive the following prize:OneAmazon.com gift code via email, valued at approximately two hundred fifty dollars.No more than the stated number of prizewill be awarded, and all prizelisted above will be awarded. Actual retail value of the Prize may vary due to market conditions. The difference in value of the Prize as stated above and value at time of notification of the Winner, if any, will not be awarded. No cash or prize substitution is permitted, except at the discretion of Sponsor. The Prize is non-transferable. If the Prize cannot be awarded due to circumstances beyond the control of Sponsor, a substitute Prize of equal or greater retail value will be awarded; provided, however, that if a Prize is awarded but remains unclaimed or is forfeited by the Winner, the Prize may not be re-awarded, in Sponsor's sole discretion. In the event that more than the stated number of prizebecomes available for any reason, Sponsor reserves the right to award only the stated number of prizeby a random drawing among all legitimate, un-awarded, eligible prize claims.ACCEPTANCE AND DELIVERY OF THE PRIZE: The Winner will be required to verify his or her address and may be required to execute the following documentbefore a notary public and return them within sevendaysof receipt of such documents: an affidavit of eligibility, a liability release, anda publicity release covering eligibility, liability, advertising, publicity and media appearance issues. If an entrant is unable to verify the information submitted with their entry, the entrant will automatically be disqualified and their prize, if any, will be forfeited. The Prize will not be awarded until all such properly executed and notarized Prize Claim Documents are returned to Sponsor. Prizewon by an eligible entrant who is a minor in his or her state of residence will be awarded to minor's parent or legal guardian, who must sign and return all required Prize Claim Documents. In the event the Prize Claim Documents are not returned within the specified period, an alternate Winner may be selected by Sponsor for such Prize. The Prize will be shipped to the Winner within 7 days of Sponsor's receipt of a signed Affidavit and Release from the Winner. The Winner is responsible for all taxes and fees related to the Prize received, if any.OTHER RULES: This sweepstakes is subject to all applicable laws and is void where prohibited. All submissions by entrants in connection with the sweepstakes become the sole property of the sponsor and will not be acknowledged or returned. Winner assumes all liability for any injuries or damage caused or claimed to be caused by participation in this sweepstakes or by the use or misuse of any prize.By entering the sweepstakes, each winner grants the SPONSOR permission to use his or her name, city, state/province, e-mail address and, to the extent submitted as part of the sweepstakes entry, his or her photograph, voice, and/or likeness for advertising, publicity or other purposes OR ON A WINNER'S LIST, IF APPLICABLE, IN ANY and all MEDIA WHETHER NOW KNOWN OR HEREINAFTER DEVELOPED, worldwide, without additional consent OR compensation, except where prohibited by law. By submitting an entry, entrants also grant the Sponsor a perpetual, fully-paid, irrevocable, non-exclusive license to reproduce, prepare derivative works of, distribute, display, exhibit, transmit, broadcast, televise, digitize, perform and otherwise use and permit others to use, and throughout the world, their entry materials in any manner, form, or format now known or hereinafter created, including on the internet, and for any purpose, including, but not limited to, advertising or promotion of the Sweepstakes, the Sponsor and/or its products and services, without further consent from or compensation to the entrant. By entering the Sweepstakes, entrants consent to receive notification of future promotions, advertisements or solicitations by or from Sponsor and/or Sponsor's parent companies, affiliates, subsidiaries, and business partners, via email or other means of communication.If, in the Sponsor's opinion, there is any suspected or actual evidence of fraud, electronic or non-electronic tampering or unauthorized intervention with any portion of this Sweepstakes, or if fraud or technical difficulties of any sortcompromise the integrity of the Sweepstakes, the Sponsor reserves the right to void suspect entries and/or terminate the Sweepstakes and award the Prize in its sole discretion. Any attempt to deliberately damage the Sponsor's websiteor undermine the legitimate operation of the Sweepstakes may be in violation of U.S. criminal and civil laws and will result in disqualification from participation in the Sweepstakes. Should such an attempt be made, the Sponsor reserves the right to seek remedies and damagesto the fullest extent of the law, including pursuing criminal prosecution.DISCLAIMER: EXCLUDING ONLY APPLICABLE MANUFACTURERS' WARRANTIES, THE PRIZE IS PROVIDED TO THE WINNER ON AN "AS IS" BASIS, WITHOUT FURTHER WARRANTY OF ANY KIND. SPONSOR HEREBY DISCLAIMS ALL FURTHER WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE PRIZE.LIMITATION OF LIABILITY: BY ENTERING THE SWEEPSTAKES, ENTRANTS, ON BEHALF OF THEMSELVES AND THEIR HEIRS, EXECUTORS, ASSIGNS AND REPRESENTATIVES, RELEASE AND HOLD THE SPONSOR its PARENT COMPANIES, SUBSIDIARIES, AFFILIATED COMPANIES, UNITS AND DIVISIONS, AND THE CURRENT AND FORMER OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS, AGENTS, SUCCESSORS AND ASSIGNS OF EACH OF THE FOREGOING, AND ALL THOSE ACTING UNDER THE AUTHORITY OF THE FOREGOING, OR ANY OF THEM, HARMLESS FROM AND AGAINST ANY AND ALL CLAIMS, ACTIONS, INJURY, LOSS, DAMAGES, LIABILITIES AND OBLIGATIONS OF ANY KIND WHATSOEVERWHETHER KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, WHICH ENTRANT EVER HAD, NOW HAVE, OR HEREAFTER CAN, SHALL OR MAY HAVE, AGAINST THE RELEASED PARTIES, INCLUDING, BUT NOT LIMITED TO, CLAIMS ARISING FROM OR RELATED TO THE SWEEPSTAKES OR ENTRANT'S PARTICIPATION IN THE SWEEPSTAKES, AND THE RECEIPT, OWNERSHIP, USE, MISUSE, TRANSFER, SALE OR OTHER DISPOSITION OF THE PRIZE. All matters relating to the interpretation and application of these Sweepstakes Rules shall be decided by Sponsor in its sole discretion.DISPUTES: If, for any reason, the Sweepstakes is not capable of being conducted as described in these Sweepstakes Rules, Sponsor shall have the right, in its sole discretion, to disqualify any individual who tampers with the entry process, and/or to cancel, terminate, modify or suspend the Sweepstakes. The Sponsor assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, entries. The Sponsor is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers, providers, computer equipment, software, or failure of any e-mail or entry to be received by Sponsor on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof, including, without limitation, any injury or damage to any entrant's or any other person's computer related to or resulting from participating or downloading any materials in this Sweepstakes. Because of the unique nature and scope of the Sweepstakes, Sponsor reserves the right, in addition to those other rights reserved herein, to modify any dateor deadlineset forth in these Sweepstakes Rules or otherwise governing the Sweepstakes, and any such changes will be posted here in the Sweepstakes Rules. Any attempt by any person to deliberately undermine the legitimate operation of the Sweepstakes may be a violation of criminal and civil law, and, should such an attempt be made, Sponsor reserves the right to seek damages to the fullest extent permitted by law. Sponsor's failure to enforce any term of these Sweepstakes Rules shall not constitute a waiver of any provision.As a condition of participating in the Sweepstakes, entrant agrees that any and all disputes that cannot be resolved between entrant and Sponsor, and causes of action arising out of or connected with the Sweepstakes or these Sweepstakes Rules, shall be resolved individually, without resort to any form of class action, exclusively before a court of competent jurisdiction located in New York, New York, and entrant irrevocably consents to the jurisdiction of the federal and state courts located in New York, New York with respect to any such dispute, cause of action, or other matter. All disputes will be governed and controlled by the laws of the State of New York. Further, in any such dispute, under no circumstances will entrant be permitted to obtain awards for, and hereby irrevocably waives all rights to claim, punitive, incidental, or consequential damages, or any other damages, including attorneys' fees, other than entrant's actual out-of-pocket expenses, and entrant further irrevocably waives all rights to have damages multiplied or increased, if any. EACH PARTY EXPRESSLY WAIVES ANY RIGHT TO A TRIAL BY JURY. All federal, state, and local laws and regulations apply.PRIVACY: Information collected from entrants in connection with the Sweepstakes is subject to Sponsor's privacy policy, which may be found here.SOCIAL MEDIA PROMOTION: Although the Sweepstakes may be featured on Twitter, Facebook, and/or other social media platforms, the Sweepstakes is in no way sponsored, endorsed, administered by, or in association with Twitter, Facebook, and/or such other social media platforms and you agree that Twitter, Facebook, and all other social media platforms are not liable in any way for any claims, damages or losses associated with the Sweepstakes.WINNERLIST: For a list of nameof prizewinner, after the Selection Date, please send a stamped, self-addressed No. 10/standard business envelope to Ziff Davis, LLC, Attn: Legal Department, 360 Park Ave South, Floor 17, New York, NY 10010.BY ENTERING, YOU AGREE THAT YOU HAVE READ AND AGREE TO ALL OF THESE SWEEPSTAKES RULES.
    #tell #speakers #headphones #you #like
    Tell Us the Speakers and Headphones You Like to Listen On
    Take the Speakers, Headphones, and Earphones SurveyTake other PCMag surveys. Each completed survey is a chance to win a Amazon gift card. OFFICIAL SWEEPSTAKES RULESNO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED. Readers' Choice Sweepstakesis governed by these official rules. The Sweepstakes begins on May 9, 2025, at 12:00 AM ET and ends on July 27, 2025, at 11:59 PM ET.SPONSOR: Ziff Davis, LLC, with an address of 360 Park Ave South, Floor 17, New York, NY 10010.ELIGIBILITY: This Sweepstakes is open to individuals who are eighteenyears of age or older at the time of entry who are legal residents of the fiftyUnited States of America or the District of Columbia. By entering the Sweepstakes as described in these Sweepstakes Rules, entrants represent and warrant that they are complying with these Sweepstakes Rules, and that they agree to abide by and be bound by all the rules and terms and conditions stated herein and all decisions of Sponsor, which shall be final and binding.All previous winners of any sweepstakes sponsored by Sponsor during the ninemonth period prior to the Selection Date are not eligible to enter. Any individualswho have, within the past sixmonths, held employment with or performed services for Sponsor or any organizations affiliated with the sponsorship, fulfillment, administration, prize support, advertisement or promotion of the Sweepstakesare not eligible to enter or win. Immediate Family Members and Household Members are also not eligible to enter or win. "Immediate Family Members" means parents, step-parents, legal guardians, children, step-children, siblings, step-siblings, or spouses of an Employee. "Household Members" means those individuals who share the same residence with an Employee at least threemonths a year.HOW TO ENTER: There are two methods to enter the Sweepstakes:fill out the online survey, orenter by mail.1. Survey Entry: To enter the Sweepstakes through the online survey, go to the survey page and complete the current survey during the Sweepstakes Period.2. Mail Entry: To enter the Sweepstakes by mail, on a 3" x 5" card, print your first and last name, street address, city, state, zip code, phone number, and email address. Mail your completed entry to:Readers' Choice Sweepstakes - Audio 2025c/o E. Griffith 624 Elm St. Ext.Ithaca, NY 14850-8786Mail Entries must be postmarked by July 28, 2025, and received by Aug. 4, 2025.Only oneentry per person is permitted, regardless of the entry method used. Subsequent attempts made by the same individual to submit multiple entries may result in the disqualification of the entrant.Only contributions submitted during the Sweepstakes Period will be eligible for entry into the Sweepstakes. No other methods of entry will be accepted. All entries become the property of Sponsor and will not be returned. Entries are limited to individuals only; commercial enterprises and business entities are not eligible. Use of a false account will disqualify an entry. Sponsor is not responsible for entries not received due to difficulty accessing the internet, service outage or delays, computer difficulties, and other technological problems.Entries are subject to any applicable restrictions or eligibility requirements listed herein. Entries will be deemed to have been made by the authorized account holder of the email or telephone phone number submitted at the time of entry and qualification. Multiple participants are not permitted to share the same email address. Should multiple users of the same e-mail account or mobile phone number, as applicable, enter the Sweepstakes and a dispute thereafter arises regarding the identity of the entrant, the Authorized Account Holder of said e-mail account or mobile phone account at the time of entry will be considered the entrant. "Authorized Account Holder" is defined as the natural person who is assigned an e-mail address or mobile phone number by an Internet access provider, online service provider, telephone service provider or other organization that is responsible for assigned e-mail addresses, phone numbers or the domain associated with the submitted e-mail address. Proof of submission of an entry shall not be deemed proof of receipt by the website administrator for online entries. When applicable, the website administrator's computer will be deemed the official time-keeping device for the Sweepstakes promotion. Entries will be disqualified if found to be incomplete and/or if Sponsor determines, in its sole discretion, that multiple entries were submitted by the same entrant in violation of the Sweepstakes Rules.Entries that are late, lost, stolen, mutilated, tampered with, illegible, incomplete, mechanically reproduced, inaccurate, postage-due, forged, irregular in any way or otherwise not in compliance with these Official Rules will be disqualified. All entries become the property of the Sponsor and will not be acknowledged or returned.WINNER SELECTION AND NOTIFICATION: Sponsor shall select the prize winneron or about Aug. 11, 2025,by random drawing or from among all eligible entries. The Winner will be notified via email to the contact information provided in the entry. Notification of the Winner shall be deemed to have occurred immediately upon sending of the notification by Sponsor. Selected winnerwill be required to respondto the notification within sevendays of attempted notification. The only entries that will be considered eligible entries are entries received by Sponsor within the Sweepstakes Period. The odds of winning depend on the number of eligible entries received. The Sponsor reserves the right, in its sole discretion, to choose an alternative winner in the event that a possible winner has been disqualified or is deemed ineligible for any reason.Recommended by Our EditorsPRIZE: Onewinner will receive the following prize:OneAmazon.com gift code via email, valued at approximately two hundred fifty dollars.No more than the stated number of prizewill be awarded, and all prizelisted above will be awarded. Actual retail value of the Prize may vary due to market conditions. The difference in value of the Prize as stated above and value at time of notification of the Winner, if any, will not be awarded. No cash or prize substitution is permitted, except at the discretion of Sponsor. The Prize is non-transferable. If the Prize cannot be awarded due to circumstances beyond the control of Sponsor, a substitute Prize of equal or greater retail value will be awarded; provided, however, that if a Prize is awarded but remains unclaimed or is forfeited by the Winner, the Prize may not be re-awarded, in Sponsor's sole discretion. In the event that more than the stated number of prizebecomes available for any reason, Sponsor reserves the right to award only the stated number of prizeby a random drawing among all legitimate, un-awarded, eligible prize claims.ACCEPTANCE AND DELIVERY OF THE PRIZE: The Winner will be required to verify his or her address and may be required to execute the following documentbefore a notary public and return them within sevendaysof receipt of such documents: an affidavit of eligibility, a liability release, anda publicity release covering eligibility, liability, advertising, publicity and media appearance issues. If an entrant is unable to verify the information submitted with their entry, the entrant will automatically be disqualified and their prize, if any, will be forfeited. The Prize will not be awarded until all such properly executed and notarized Prize Claim Documents are returned to Sponsor. Prizewon by an eligible entrant who is a minor in his or her state of residence will be awarded to minor's parent or legal guardian, who must sign and return all required Prize Claim Documents. In the event the Prize Claim Documents are not returned within the specified period, an alternate Winner may be selected by Sponsor for such Prize. The Prize will be shipped to the Winner within 7 days of Sponsor's receipt of a signed Affidavit and Release from the Winner. The Winner is responsible for all taxes and fees related to the Prize received, if any.OTHER RULES: This sweepstakes is subject to all applicable laws and is void where prohibited. All submissions by entrants in connection with the sweepstakes become the sole property of the sponsor and will not be acknowledged or returned. Winner assumes all liability for any injuries or damage caused or claimed to be caused by participation in this sweepstakes or by the use or misuse of any prize.By entering the sweepstakes, each winner grants the SPONSOR permission to use his or her name, city, state/province, e-mail address and, to the extent submitted as part of the sweepstakes entry, his or her photograph, voice, and/or likeness for advertising, publicity or other purposes OR ON A WINNER'S LIST, IF APPLICABLE, IN ANY and all MEDIA WHETHER NOW KNOWN OR HEREINAFTER DEVELOPED, worldwide, without additional consent OR compensation, except where prohibited by law. By submitting an entry, entrants also grant the Sponsor a perpetual, fully-paid, irrevocable, non-exclusive license to reproduce, prepare derivative works of, distribute, display, exhibit, transmit, broadcast, televise, digitize, perform and otherwise use and permit others to use, and throughout the world, their entry materials in any manner, form, or format now known or hereinafter created, including on the internet, and for any purpose, including, but not limited to, advertising or promotion of the Sweepstakes, the Sponsor and/or its products and services, without further consent from or compensation to the entrant. By entering the Sweepstakes, entrants consent to receive notification of future promotions, advertisements or solicitations by or from Sponsor and/or Sponsor's parent companies, affiliates, subsidiaries, and business partners, via email or other means of communication.If, in the Sponsor's opinion, there is any suspected or actual evidence of fraud, electronic or non-electronic tampering or unauthorized intervention with any portion of this Sweepstakes, or if fraud or technical difficulties of any sortcompromise the integrity of the Sweepstakes, the Sponsor reserves the right to void suspect entries and/or terminate the Sweepstakes and award the Prize in its sole discretion. Any attempt to deliberately damage the Sponsor's websiteor undermine the legitimate operation of the Sweepstakes may be in violation of U.S. criminal and civil laws and will result in disqualification from participation in the Sweepstakes. Should such an attempt be made, the Sponsor reserves the right to seek remedies and damagesto the fullest extent of the law, including pursuing criminal prosecution.DISCLAIMER: EXCLUDING ONLY APPLICABLE MANUFACTURERS' WARRANTIES, THE PRIZE IS PROVIDED TO THE WINNER ON AN "AS IS" BASIS, WITHOUT FURTHER WARRANTY OF ANY KIND. SPONSOR HEREBY DISCLAIMS ALL FURTHER WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE PRIZE.LIMITATION OF LIABILITY: BY ENTERING THE SWEEPSTAKES, ENTRANTS, ON BEHALF OF THEMSELVES AND THEIR HEIRS, EXECUTORS, ASSIGNS AND REPRESENTATIVES, RELEASE AND HOLD THE SPONSOR its PARENT COMPANIES, SUBSIDIARIES, AFFILIATED COMPANIES, UNITS AND DIVISIONS, AND THE CURRENT AND FORMER OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS, AGENTS, SUCCESSORS AND ASSIGNS OF EACH OF THE FOREGOING, AND ALL THOSE ACTING UNDER THE AUTHORITY OF THE FOREGOING, OR ANY OF THEM, HARMLESS FROM AND AGAINST ANY AND ALL CLAIMS, ACTIONS, INJURY, LOSS, DAMAGES, LIABILITIES AND OBLIGATIONS OF ANY KIND WHATSOEVERWHETHER KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, WHICH ENTRANT EVER HAD, NOW HAVE, OR HEREAFTER CAN, SHALL OR MAY HAVE, AGAINST THE RELEASED PARTIES, INCLUDING, BUT NOT LIMITED TO, CLAIMS ARISING FROM OR RELATED TO THE SWEEPSTAKES OR ENTRANT'S PARTICIPATION IN THE SWEEPSTAKES, AND THE RECEIPT, OWNERSHIP, USE, MISUSE, TRANSFER, SALE OR OTHER DISPOSITION OF THE PRIZE. All matters relating to the interpretation and application of these Sweepstakes Rules shall be decided by Sponsor in its sole discretion.DISPUTES: If, for any reason, the Sweepstakes is not capable of being conducted as described in these Sweepstakes Rules, Sponsor shall have the right, in its sole discretion, to disqualify any individual who tampers with the entry process, and/or to cancel, terminate, modify or suspend the Sweepstakes. The Sponsor assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, entries. The Sponsor is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers, providers, computer equipment, software, or failure of any e-mail or entry to be received by Sponsor on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof, including, without limitation, any injury or damage to any entrant's or any other person's computer related to or resulting from participating or downloading any materials in this Sweepstakes. Because of the unique nature and scope of the Sweepstakes, Sponsor reserves the right, in addition to those other rights reserved herein, to modify any dateor deadlineset forth in these Sweepstakes Rules or otherwise governing the Sweepstakes, and any such changes will be posted here in the Sweepstakes Rules. Any attempt by any person to deliberately undermine the legitimate operation of the Sweepstakes may be a violation of criminal and civil law, and, should such an attempt be made, Sponsor reserves the right to seek damages to the fullest extent permitted by law. Sponsor's failure to enforce any term of these Sweepstakes Rules shall not constitute a waiver of any provision.As a condition of participating in the Sweepstakes, entrant agrees that any and all disputes that cannot be resolved between entrant and Sponsor, and causes of action arising out of or connected with the Sweepstakes or these Sweepstakes Rules, shall be resolved individually, without resort to any form of class action, exclusively before a court of competent jurisdiction located in New York, New York, and entrant irrevocably consents to the jurisdiction of the federal and state courts located in New York, New York with respect to any such dispute, cause of action, or other matter. All disputes will be governed and controlled by the laws of the State of New York. Further, in any such dispute, under no circumstances will entrant be permitted to obtain awards for, and hereby irrevocably waives all rights to claim, punitive, incidental, or consequential damages, or any other damages, including attorneys' fees, other than entrant's actual out-of-pocket expenses, and entrant further irrevocably waives all rights to have damages multiplied or increased, if any. EACH PARTY EXPRESSLY WAIVES ANY RIGHT TO A TRIAL BY JURY. All federal, state, and local laws and regulations apply.PRIVACY: Information collected from entrants in connection with the Sweepstakes is subject to Sponsor's privacy policy, which may be found here.SOCIAL MEDIA PROMOTION: Although the Sweepstakes may be featured on Twitter, Facebook, and/or other social media platforms, the Sweepstakes is in no way sponsored, endorsed, administered by, or in association with Twitter, Facebook, and/or such other social media platforms and you agree that Twitter, Facebook, and all other social media platforms are not liable in any way for any claims, damages or losses associated with the Sweepstakes.WINNERLIST: For a list of nameof prizewinner, after the Selection Date, please send a stamped, self-addressed No. 10/standard business envelope to Ziff Davis, LLC, Attn: Legal Department, 360 Park Ave South, Floor 17, New York, NY 10010.BY ENTERING, YOU AGREE THAT YOU HAVE READ AND AGREE TO ALL OF THESE SWEEPSTAKES RULES. #tell #speakers #headphones #you #like
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    Tell Us the Speakers and Headphones You Like to Listen On
    Take the Speakers, Headphones, and Earphones SurveyTake other PCMag surveys. Each completed survey is a chance to win a $250 Amazon gift card. OFFICIAL SWEEPSTAKES RULESNO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED. Readers' Choice Sweepstakes (the "Sweepstakes") is governed by these official rules (the "Sweepstakes Rules"). The Sweepstakes begins on May 9, 2025, at 12:00 AM ET and ends on July 27, 2025, at 11:59 PM ET (the "Sweepstakes Period").SPONSOR: Ziff Davis, LLC, with an address of 360 Park Ave South, Floor 17, New York, NY 10010 (the "Sponsor").ELIGIBILITY: This Sweepstakes is open to individuals who are eighteen (18) years of age or older at the time of entry who are legal residents of the fifty (50) United States of America or the District of Columbia. 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Griffith 624 Elm St. Ext.Ithaca, NY 14850-8786Mail Entries must be postmarked by July 28, 2025, and received by Aug. 4, 2025.Only one (1) entry per person is permitted, regardless of the entry method used. Subsequent attempts made by the same individual to submit multiple entries may result in the disqualification of the entrant.Only contributions submitted during the Sweepstakes Period will be eligible for entry into the Sweepstakes. No other methods of entry will be accepted. All entries become the property of Sponsor and will not be returned. Entries are limited to individuals only; commercial enterprises and business entities are not eligible. Use of a false account will disqualify an entry. Sponsor is not responsible for entries not received due to difficulty accessing the internet, service outage or delays, computer difficulties, and other technological problems.Entries are subject to any applicable restrictions or eligibility requirements listed herein. 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  • Block’s CFO explains Gen Z’s surprising approach to money management

    One stock recently impacted by a whirlwind of volatility is Block—the fintech powerhouse behind Square, Cash App, Tidal Music, and more. The company’s COO and CFO, Amrita Ahuja, shares how her team is using new AI tools to find opportunity amid disruption and reach customers left behind by traditional financial systems. Ahuja also shares lessons from the video game industry and discusses Gen Z’s surprising approach to money management.  

    This is an abridged transcript of an interview from Rapid Response, hosted by Robert Safian, former editor-in-chief of Fast Company. From the team behind the Masters of Scale podcast, Rapid Response features candid conversations with today’s top business leaders navigating real-time challenges. Subscribe to Rapid Response wherever you get your podcasts to ensure you never miss an episode.

    As a leader, when you’re looking at all of this volatility—the tariffs, consumer sentiment’s been unclear, the stock market’s been all over the place. You guys had a huge one-day drop in early May, and it quickly bounced back. How do you make sense of all these external factors?

    Yeah, our focus is on what we can control. And ultimately, the thing that we are laser-focused on for our business is product velocity. How quickly can we start small with something, launch something for our customers, and then test and iterate and learn so that ultimately, that something that we’ve launched scales into an important product?

    I’ll give you an example. Cash App Borrow, which is a product where our customers can get access to a line of credit, often that bridges them from paycheck to paycheck. We know so many Americans are living paycheck to paycheck. That’s a product that we launched about three years ago and have now scaled to serve 9 million actives with billion in credit supply to our customers in a span of a couple short years.

    The more we can be out testing and launching product at a pace, the more we know we are ultimately delivering value to our customers, and the right things will happen from a stock perspective.

    Block is a financial services provider. You have Square, the point-of-sale system; the digital wallet Cash App, which you mentioned, which competes with Venmo and Robinhood; and a bunch of others. Then you’ve got the buy-now, pay-later leader Afterpay. You chair Square Financial Services, which is Block’s chartered bank. But you’ve said that in the fintech world, Block is only a little bit fin—that comparatively, it’s more tech. Can you explain what you mean by that?

    What we think is unique about us is our ability as a technology company to completely change innovation in the space, such that we can help solve systemic issues across credit, payments, commerce, and banking. What that means ultimately is we use technologies like AI and machine learning and data science, and we use these technologies in a unique way, in a way that’s different from a traditional bank. We are able to underwrite those who are often frankly forgotten by the traditional financial ecosystems.

    Our Square Loans product has almost triple the rate of women-owned businesses that we underwrite. Fifty-eight percent of our loans go to women-owned businesses versus 20% for the industry average. For that Cash App Borrow product I was talking about, 70% of those actives, the 9 million actives that we underwrote, fell below 580 as a FICO score. That’s considered a poor FICO score, and yet 97% of repayments are made on time. And this is because we have unique access to data and these technology and tools which can help us uniquely underwrite this often forgotten customer base.

    Yeah. I mean, credit—sometimes it’s been blamed for financial excesses. But access to credit is also, as you say, an advantage that’s not available to everyone. Do you have a philosophy between those poles—between risk and opportunity? Or is what you’re saying is that the tech you have allows you to avoid that risk?

    That’s right. Let’s start with how do the current systems work? It works using inferior data, frankly. It’s more limited data. It’s outdated. Sometimes it’s inaccurate. And it ignores things like someone’s cash flows, the stability of your income, your savings rate, how money moves through your accounts, or how you use alternative forms of credit—like buy now, pay later, which we have in our ecosystem through Afterpay.

    We have a lot of these signals for our 57 million monthly actives on the Cash App side and for the 4 million small businesses on the Square side, and those, frankly, billions of transaction data points that we have on any given day paired with new technologies. And we intend to continue to be on the forefront of AI, machine learning, and data science to be able to empower more people into the economy. The combination of the superior data and the technologies is what we believe ultimately helps expand access.

    You have a financial background, but not in the financial services industry. Before Block, you were a video game developer at Activision. Are financial businesses and video games similar? Are there things that are similar about them?

    There are. There actually are some things that are similar, I will say. There are many things that are unique to each industry. Each industry is incredibly complex. You find that when big technology companies try to do gaming. They’ve taken over the world in many different ways, but they can’t always crack the nut on putting out a great game. Similarly, some of the largest technology companies have dabbled in fintech but haven’t been able to go as deep, so they’re both very nuanced and complex industries.

    I would say another similarity is that design really matters. Industrial design, the design of products, the interface of products, is absolutely mission-critical to a great game, and it’s absolutely mission-critical to the simplicity and accessibility of our products, be it on Square or Cash App.

    And then maybe the third thing that I would say is that when I was in gaming, at least the business models were rapidly changing from an intermediary distribution mechanism, like releasing a game once and then selling it through a retailer, to an always-on, direct-to-consumer connection. And similarly with banking, people don’t want to bank from 9 to 5, six days a week. They want 24/7 access to their money and the ability to, again, grow their financial livelihood, move their money around seamlessly. So, some similarities are there in that shift to an intermediary model or a slower model to an always-on, direct-to-consumer connection.

    Part of your target audience or your target customer base at Block are Gen Z folks. Did you learn things at Activision about Gen Z that has been useful? Are there things that businesses misunderstand about younger generations still?

    What we’ve learned is that Gen Z, millennial customers, aren’t going to do things the way their parents did. Some of our stats show that 63% of Gen Z customers have moved away from traditional credit cards, and over 80% are skeptical of them. Which means they’re not using a credit card to manage expenses; they’re using a debit card, but then layering on on a transaction-by-transaction basis. Or again, using tools like buy now, pay later, or Cash App Borrow, the means in which they’re managing their consistent cash flows. So that’s an example of how things are changing, and you’ve got to get up to speed with how the next generation of customers expects to manage their money.
    #blocks #cfo #explains #gen #surprising
    Block’s CFO explains Gen Z’s surprising approach to money management
    One stock recently impacted by a whirlwind of volatility is Block—the fintech powerhouse behind Square, Cash App, Tidal Music, and more. The company’s COO and CFO, Amrita Ahuja, shares how her team is using new AI tools to find opportunity amid disruption and reach customers left behind by traditional financial systems. Ahuja also shares lessons from the video game industry and discusses Gen Z’s surprising approach to money management.   This is an abridged transcript of an interview from Rapid Response, hosted by Robert Safian, former editor-in-chief of Fast Company. From the team behind the Masters of Scale podcast, Rapid Response features candid conversations with today’s top business leaders navigating real-time challenges. Subscribe to Rapid Response wherever you get your podcasts to ensure you never miss an episode. As a leader, when you’re looking at all of this volatility—the tariffs, consumer sentiment’s been unclear, the stock market’s been all over the place. You guys had a huge one-day drop in early May, and it quickly bounced back. How do you make sense of all these external factors? Yeah, our focus is on what we can control. And ultimately, the thing that we are laser-focused on for our business is product velocity. How quickly can we start small with something, launch something for our customers, and then test and iterate and learn so that ultimately, that something that we’ve launched scales into an important product? I’ll give you an example. Cash App Borrow, which is a product where our customers can get access to a line of credit, often that bridges them from paycheck to paycheck. We know so many Americans are living paycheck to paycheck. That’s a product that we launched about three years ago and have now scaled to serve 9 million actives with billion in credit supply to our customers in a span of a couple short years. The more we can be out testing and launching product at a pace, the more we know we are ultimately delivering value to our customers, and the right things will happen from a stock perspective. Block is a financial services provider. You have Square, the point-of-sale system; the digital wallet Cash App, which you mentioned, which competes with Venmo and Robinhood; and a bunch of others. Then you’ve got the buy-now, pay-later leader Afterpay. You chair Square Financial Services, which is Block’s chartered bank. But you’ve said that in the fintech world, Block is only a little bit fin—that comparatively, it’s more tech. Can you explain what you mean by that? What we think is unique about us is our ability as a technology company to completely change innovation in the space, such that we can help solve systemic issues across credit, payments, commerce, and banking. What that means ultimately is we use technologies like AI and machine learning and data science, and we use these technologies in a unique way, in a way that’s different from a traditional bank. We are able to underwrite those who are often frankly forgotten by the traditional financial ecosystems. Our Square Loans product has almost triple the rate of women-owned businesses that we underwrite. Fifty-eight percent of our loans go to women-owned businesses versus 20% for the industry average. For that Cash App Borrow product I was talking about, 70% of those actives, the 9 million actives that we underwrote, fell below 580 as a FICO score. That’s considered a poor FICO score, and yet 97% of repayments are made on time. And this is because we have unique access to data and these technology and tools which can help us uniquely underwrite this often forgotten customer base. Yeah. I mean, credit—sometimes it’s been blamed for financial excesses. But access to credit is also, as you say, an advantage that’s not available to everyone. Do you have a philosophy between those poles—between risk and opportunity? Or is what you’re saying is that the tech you have allows you to avoid that risk? That’s right. Let’s start with how do the current systems work? It works using inferior data, frankly. It’s more limited data. It’s outdated. Sometimes it’s inaccurate. And it ignores things like someone’s cash flows, the stability of your income, your savings rate, how money moves through your accounts, or how you use alternative forms of credit—like buy now, pay later, which we have in our ecosystem through Afterpay. We have a lot of these signals for our 57 million monthly actives on the Cash App side and for the 4 million small businesses on the Square side, and those, frankly, billions of transaction data points that we have on any given day paired with new technologies. And we intend to continue to be on the forefront of AI, machine learning, and data science to be able to empower more people into the economy. The combination of the superior data and the technologies is what we believe ultimately helps expand access. You have a financial background, but not in the financial services industry. Before Block, you were a video game developer at Activision. Are financial businesses and video games similar? Are there things that are similar about them? There are. There actually are some things that are similar, I will say. There are many things that are unique to each industry. Each industry is incredibly complex. You find that when big technology companies try to do gaming. They’ve taken over the world in many different ways, but they can’t always crack the nut on putting out a great game. Similarly, some of the largest technology companies have dabbled in fintech but haven’t been able to go as deep, so they’re both very nuanced and complex industries. I would say another similarity is that design really matters. Industrial design, the design of products, the interface of products, is absolutely mission-critical to a great game, and it’s absolutely mission-critical to the simplicity and accessibility of our products, be it on Square or Cash App. And then maybe the third thing that I would say is that when I was in gaming, at least the business models were rapidly changing from an intermediary distribution mechanism, like releasing a game once and then selling it through a retailer, to an always-on, direct-to-consumer connection. And similarly with banking, people don’t want to bank from 9 to 5, six days a week. They want 24/7 access to their money and the ability to, again, grow their financial livelihood, move their money around seamlessly. So, some similarities are there in that shift to an intermediary model or a slower model to an always-on, direct-to-consumer connection. Part of your target audience or your target customer base at Block are Gen Z folks. Did you learn things at Activision about Gen Z that has been useful? Are there things that businesses misunderstand about younger generations still? What we’ve learned is that Gen Z, millennial customers, aren’t going to do things the way their parents did. Some of our stats show that 63% of Gen Z customers have moved away from traditional credit cards, and over 80% are skeptical of them. Which means they’re not using a credit card to manage expenses; they’re using a debit card, but then layering on on a transaction-by-transaction basis. Or again, using tools like buy now, pay later, or Cash App Borrow, the means in which they’re managing their consistent cash flows. So that’s an example of how things are changing, and you’ve got to get up to speed with how the next generation of customers expects to manage their money. #blocks #cfo #explains #gen #surprising
    WWW.FASTCOMPANY.COM
    Block’s CFO explains Gen Z’s surprising approach to money management
    One stock recently impacted by a whirlwind of volatility is Block—the fintech powerhouse behind Square, Cash App, Tidal Music, and more. The company’s COO and CFO, Amrita Ahuja, shares how her team is using new AI tools to find opportunity amid disruption and reach customers left behind by traditional financial systems. Ahuja also shares lessons from the video game industry and discusses Gen Z’s surprising approach to money management.   This is an abridged transcript of an interview from Rapid Response, hosted by Robert Safian, former editor-in-chief of Fast Company. From the team behind the Masters of Scale podcast, Rapid Response features candid conversations with today’s top business leaders navigating real-time challenges. Subscribe to Rapid Response wherever you get your podcasts to ensure you never miss an episode. As a leader, when you’re looking at all of this volatility—the tariffs, consumer sentiment’s been unclear, the stock market’s been all over the place. You guys had a huge one-day drop in early May, and it quickly bounced back. How do you make sense of all these external factors? Yeah, our focus is on what we can control. And ultimately, the thing that we are laser-focused on for our business is product velocity. How quickly can we start small with something, launch something for our customers, and then test and iterate and learn so that ultimately, that something that we’ve launched scales into an important product? I’ll give you an example. Cash App Borrow, which is a product where our customers can get access to a line of credit, often $100, $200, that bridges them from paycheck to paycheck. We know so many Americans are living paycheck to paycheck. That’s a product that we launched about three years ago and have now scaled to serve 9 million actives with $15 billion in credit supply to our customers in a span of a couple short years. The more we can be out testing and launching product at a pace, the more we know we are ultimately delivering value to our customers, and the right things will happen from a stock perspective. Block is a financial services provider. You have Square, the point-of-sale system; the digital wallet Cash App, which you mentioned, which competes with Venmo and Robinhood; and a bunch of others. Then you’ve got the buy-now, pay-later leader Afterpay. You chair Square Financial Services, which is Block’s chartered bank. But you’ve said that in the fintech world, Block is only a little bit fin—that comparatively, it’s more tech. Can you explain what you mean by that? What we think is unique about us is our ability as a technology company to completely change innovation in the space, such that we can help solve systemic issues across credit, payments, commerce, and banking. What that means ultimately is we use technologies like AI and machine learning and data science, and we use these technologies in a unique way, in a way that’s different from a traditional bank. We are able to underwrite those who are often frankly forgotten by the traditional financial ecosystems. Our Square Loans product has almost triple the rate of women-owned businesses that we underwrite. Fifty-eight percent of our loans go to women-owned businesses versus 20% for the industry average. For that Cash App Borrow product I was talking about, 70% of those actives, the 9 million actives that we underwrote, fell below 580 as a FICO score. That’s considered a poor FICO score, and yet 97% of repayments are made on time. And this is because we have unique access to data and these technology and tools which can help us uniquely underwrite this often forgotten customer base. Yeah. I mean, credit—sometimes it’s been blamed for financial excesses. But access to credit is also, as you say, an advantage that’s not available to everyone. Do you have a philosophy between those poles—between risk and opportunity? Or is what you’re saying is that the tech you have allows you to avoid that risk? That’s right. Let’s start with how do the current systems work? It works using inferior data, frankly. It’s more limited data. It’s outdated. Sometimes it’s inaccurate. And it ignores things like someone’s cash flows, the stability of your income, your savings rate, how money moves through your accounts, or how you use alternative forms of credit—like buy now, pay later, which we have in our ecosystem through Afterpay. We have a lot of these signals for our 57 million monthly actives on the Cash App side and for the 4 million small businesses on the Square side, and those, frankly, billions of transaction data points that we have on any given day paired with new technologies. And we intend to continue to be on the forefront of AI, machine learning, and data science to be able to empower more people into the economy. The combination of the superior data and the technologies is what we believe ultimately helps expand access. You have a financial background, but not in the financial services industry. Before Block, you were a video game developer at Activision. Are financial businesses and video games similar? Are there things that are similar about them? There are. There actually are some things that are similar, I will say. There are many things that are unique to each industry. Each industry is incredibly complex. You find that when big technology companies try to do gaming. They’ve taken over the world in many different ways, but they can’t always crack the nut on putting out a great game. Similarly, some of the largest technology companies have dabbled in fintech but haven’t been able to go as deep, so they’re both very nuanced and complex industries. I would say another similarity is that design really matters. Industrial design, the design of products, the interface of products, is absolutely mission-critical to a great game, and it’s absolutely mission-critical to the simplicity and accessibility of our products, be it on Square or Cash App. And then maybe the third thing that I would say is that when I was in gaming, at least the business models were rapidly changing from an intermediary distribution mechanism, like releasing a game once and then selling it through a retailer, to an always-on, direct-to-consumer connection. And similarly with banking, people don’t want to bank from 9 to 5, six days a week. They want 24/7 access to their money and the ability to, again, grow their financial livelihood, move their money around seamlessly. So, some similarities are there in that shift to an intermediary model or a slower model to an always-on, direct-to-consumer connection. Part of your target audience or your target customer base at Block are Gen Z folks. Did you learn things at Activision about Gen Z that has been useful? Are there things that businesses misunderstand about younger generations still? What we’ve learned is that Gen Z, millennial customers, aren’t going to do things the way their parents did. Some of our stats show that 63% of Gen Z customers have moved away from traditional credit cards, and over 80% are skeptical of them. Which means they’re not using a credit card to manage expenses; they’re using a debit card, but then layering on on a transaction-by-transaction basis. Or again, using tools like buy now, pay later, or Cash App Borrow, the means in which they’re managing their consistent cash flows. So that’s an example of how things are changing, and you’ve got to get up to speed with how the next generation of customers expects to manage their money.
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  • IT Pros ‘Extremely Worried’ About Shadow AI: Report

    IT Pros ‘Extremely Worried’ About Shadow AI: Report

    By John P. Mello Jr.
    June 4, 2025 5:00 AM PT

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    Enterprise IT Lead Generation Services
    Fuel Your Pipeline. Close More Deals. Our full-service marketing programs deliver sales-ready leads. 100% Satisfaction Guarantee! Learn more.

    Shadow AI — the use of AI tools under the radar of IT departments — has information technology directors and executives worried, according to a report released Tuesday.
    The report, based on a survey of 200 IT directors and executives at U.S. enterprise organizations of 1,000 employees or more, found nearly half the IT proswere “extremely worried” about shadow AI, and almost all of themwere concerned about it from a privacy and security viewpoint.
    “As our survey found, shadow AI is resulting in palpable, concerning outcomes, with nearly 80% of IT leaders saying it has resulted in negative incidents such as sensitive data leakage to Gen AI tools, false or inaccurate results, and legal risks of using copyrighted information,” said Krishna Subramanian, co-founder of Campbell, Calif.-based Komprise, the unstructured data management company that produced the report.
    “Alarmingly, 13% say that shadow AI has caused financial or reputational harm to their organizations,” she told TechNewsWorld.
    Subramanian added that shadow AI poses a much greater problem than shadow IT, which primarily focuses on departmental power users purchasing cloud instances or SaaS tools without obtaining IT approval.
    “Now we’ve got an unlimited number of employees using tools like ChatGPT or Claude AI to get work done, but not understanding the potential risk they are putting their organizations at by inadvertently submitting company secrets or customer data into the chat prompt,” she explained.
    “The data risk is large and growing in still unforeseen ways because of the pace of AI development and adoption and the fact that there is a lot we don’t know about how AI works,” she continued. “It is becoming more humanistic all the time and capable of making decisions independently.”
    Shadow AI Introduces Security Blind Spots
    Shadow AI is the next step after shadow IT and is a growing risk, noted James McQuiggan, security awareness advocate at KnowBe4, a security awareness training provider in Clearwater, Fla.
    “Users use AI tools for content, images, or applications and to process sensitive data or company information without proper security checks,” he told TechNewsWorld. “Most organizations will have privacy, compliance, and data protection policies, and shadow AI introduces blind spots in the organization’s data loss prevention.”
    “The biggest risk with shadow AI is that the AI application has not passed through a security analysis as approved AI tools may have been,” explained Melissa Ruzzi, director of AI at AppOmni, a SaaS security management software company, in San Mateo, Calif.
    “Some AI applications may be training models using your data, may not adhere to relevant regulations that your company is required to follow, and may not even have the data storage security level you deem necessary to keep your data from being exposed,” she told TechNewsWorld. “Those risks are blind spots of potential security vulnerabilities in shadow AI.”
    Krishna Vishnubhotla, vice president of product strategy at Zimperium, a mobile security company based in Dallas, noted that shadow AI extends beyond unapproved applications and involves embedded AI components that can process and disseminate sensitive data in unpredictable ways.
    “Unlike traditional shadow IT, which may be limited to unauthorized software or hardware, shadow AI can run on employee mobile devices outside the organization’s perimeter and control,” he told TechNewsWorld. “This creates new security and compliance risks that are harder to track and mitigate.”
    Vishnubhotla added that the financial impact of shadow AI varies, but unauthorized AI tools can lead to significant regulatory fines, data breaches, and loss of intellectual property. “Depending on the scale of the agency and the sensitivity of the data exposed, the costs could range from millions to potentially billions in damages due to compliance violations, remediation efforts, and reputational harm,” he said.
    “Federal agencies handling vast amounts of sensitive or classified information, financial institutions, and health care organizations are particularly vulnerable,” he said. “These sectors collect and analyze vast amounts of high-value data, making AI tools attractive. But without proper vetting, these tools could be easily exploited.”
    Shadow AI Everywhere and Easy To Use
    Nicole Carignan, SVP for security and AI strategy at Darktrace, a global cybersecurity AI company, predicts an explosion of tools that utilize AI and generative AI within enterprises and on devices used by employees.
    “In addition to managing AI tools that are built in-house, security teams will see a surge in the volume of existing tools that have new AI features and capabilities embedded, as well as a rise in shadow AI,” she told TechNewsWorld. “If the surge remains unchecked, this raises serious questions and concerns about data loss prevention, as well as compliance concerns as new regulations start to take effect.”
    “That will drive an increasing need for AI asset discovery — the ability for companies to identify and track the use of AI systems throughout the enterprise,” she said. “It is imperative that CIOs and CISOs dig deep into new AI security solutions, asking comprehensive questions about data access and visibility.”
    Shadow AI has become so rampant because it is everywhere and easy to access through free tools, maintained Komprise’s Subramanian. “All you need is a web browser,” she said. “Enterprise users can inadvertently share company code snippets or corporate data when using these Gen AI tools, which could create data leakage.”
    “These tools are growing and changing exponentially,” she continued. “It’s really hard to keep up. As the IT leader, how do you track this and determine the risk? Managers might be looking the other way because their teams are getting more done. You may need fewer contractors and full-time employees. But I think the risk of the tools is not well understood.”
    “The low, or in some cases non-existent, learning curve associated with using Gen AI services has led to rapid adoption, regardless of prior experience with these services,” added Satyam Sinha, CEO and co-founder of Acuvity, a provider of runtime Gen AI security and governance solutions, in Sunnyvale, Calif.
    “Whereas shadow IT focused on addressing a specific challenge for particular employees or departments, shadow AI addresses multiple challenges for multiple employees and departments. Hence, the greater appeal,” he said. “The abundance and rapid development of Gen AI services also means employees can find the right solution. Of course, all these traits have direct security implications.”
    Banning AI Tools Backfires
    To support innovation while minimizing the threat of shadow AI, enterprises must take a three-pronged approach, asserted Kris Bondi, CEO and co-founder of Mimoto, a threat detection and response company in San Francisco. They must educate employees on the dangers of unsupported, unmonitored AI tools, create company protocols for what is not acceptable use of unauthorized AI tools, and, most importantly, provide AI tools that are sanctioned.
    “Explaining why one tool is sanctioned and another isn’t greatly increases compliance,” she told TechNewsWorld. “It does not work for a company to have a zero-use mandate. In fact, this results in an increase in stealth use of shadow AI.”
    In the very near future, more and more applications will be leveraging AI in different forms, so the reality of shadow AI will be present more than ever, added AppOmni’s Ruzzi. “The best strategy here is employee training and AI usage monitoring,” she said.
    “It will become crucial to have in place a powerful SaaS security tool that can go beyond detecting direct AI usage of chatbots to detect AI usage connected to other applications,” she continued, “allowing for early discovery, proper risk assessment, and containment to minimize possible negative consequences.”
    “Shadow AI is just the beginning,” KnowBe4’s McQuiggan added. “As more teams use AI, the risks grow.”
    He recommended that companies start small, identify what’s being used, and build from there. They should also get legal, HR, and compliance involved.
    “Make AI governance part of your broader security program,” he said. “The sooner you start, the better you can manage what comes next.”

    John P. Mello Jr. has been an ECT News Network reporter since 2003. His areas of focus include cybersecurity, IT issues, privacy, e-commerce, social media, artificial intelligence, big data and consumer electronics. He has written and edited for numerous publications, including the Boston Business Journal, the Boston Phoenix, Megapixel.Net and Government Security News. Email John.

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    #pros #extremely #worried #about #shadow
    IT Pros ‘Extremely Worried’ About Shadow AI: Report
    IT Pros ‘Extremely Worried’ About Shadow AI: Report By John P. Mello Jr. June 4, 2025 5:00 AM PT ADVERTISEMENT Enterprise IT Lead Generation Services Fuel Your Pipeline. Close More Deals. Our full-service marketing programs deliver sales-ready leads. 100% Satisfaction Guarantee! Learn more. Shadow AI — the use of AI tools under the radar of IT departments — has information technology directors and executives worried, according to a report released Tuesday. The report, based on a survey of 200 IT directors and executives at U.S. enterprise organizations of 1,000 employees or more, found nearly half the IT proswere “extremely worried” about shadow AI, and almost all of themwere concerned about it from a privacy and security viewpoint. “As our survey found, shadow AI is resulting in palpable, concerning outcomes, with nearly 80% of IT leaders saying it has resulted in negative incidents such as sensitive data leakage to Gen AI tools, false or inaccurate results, and legal risks of using copyrighted information,” said Krishna Subramanian, co-founder of Campbell, Calif.-based Komprise, the unstructured data management company that produced the report. “Alarmingly, 13% say that shadow AI has caused financial or reputational harm to their organizations,” she told TechNewsWorld. Subramanian added that shadow AI poses a much greater problem than shadow IT, which primarily focuses on departmental power users purchasing cloud instances or SaaS tools without obtaining IT approval. “Now we’ve got an unlimited number of employees using tools like ChatGPT or Claude AI to get work done, but not understanding the potential risk they are putting their organizations at by inadvertently submitting company secrets or customer data into the chat prompt,” she explained. “The data risk is large and growing in still unforeseen ways because of the pace of AI development and adoption and the fact that there is a lot we don’t know about how AI works,” she continued. “It is becoming more humanistic all the time and capable of making decisions independently.” Shadow AI Introduces Security Blind Spots Shadow AI is the next step after shadow IT and is a growing risk, noted James McQuiggan, security awareness advocate at KnowBe4, a security awareness training provider in Clearwater, Fla. “Users use AI tools for content, images, or applications and to process sensitive data or company information without proper security checks,” he told TechNewsWorld. “Most organizations will have privacy, compliance, and data protection policies, and shadow AI introduces blind spots in the organization’s data loss prevention.” “The biggest risk with shadow AI is that the AI application has not passed through a security analysis as approved AI tools may have been,” explained Melissa Ruzzi, director of AI at AppOmni, a SaaS security management software company, in San Mateo, Calif. “Some AI applications may be training models using your data, may not adhere to relevant regulations that your company is required to follow, and may not even have the data storage security level you deem necessary to keep your data from being exposed,” she told TechNewsWorld. “Those risks are blind spots of potential security vulnerabilities in shadow AI.” Krishna Vishnubhotla, vice president of product strategy at Zimperium, a mobile security company based in Dallas, noted that shadow AI extends beyond unapproved applications and involves embedded AI components that can process and disseminate sensitive data in unpredictable ways. “Unlike traditional shadow IT, which may be limited to unauthorized software or hardware, shadow AI can run on employee mobile devices outside the organization’s perimeter and control,” he told TechNewsWorld. “This creates new security and compliance risks that are harder to track and mitigate.” Vishnubhotla added that the financial impact of shadow AI varies, but unauthorized AI tools can lead to significant regulatory fines, data breaches, and loss of intellectual property. “Depending on the scale of the agency and the sensitivity of the data exposed, the costs could range from millions to potentially billions in damages due to compliance violations, remediation efforts, and reputational harm,” he said. “Federal agencies handling vast amounts of sensitive or classified information, financial institutions, and health care organizations are particularly vulnerable,” he said. “These sectors collect and analyze vast amounts of high-value data, making AI tools attractive. But without proper vetting, these tools could be easily exploited.” Shadow AI Everywhere and Easy To Use Nicole Carignan, SVP for security and AI strategy at Darktrace, a global cybersecurity AI company, predicts an explosion of tools that utilize AI and generative AI within enterprises and on devices used by employees. “In addition to managing AI tools that are built in-house, security teams will see a surge in the volume of existing tools that have new AI features and capabilities embedded, as well as a rise in shadow AI,” she told TechNewsWorld. “If the surge remains unchecked, this raises serious questions and concerns about data loss prevention, as well as compliance concerns as new regulations start to take effect.” “That will drive an increasing need for AI asset discovery — the ability for companies to identify and track the use of AI systems throughout the enterprise,” she said. “It is imperative that CIOs and CISOs dig deep into new AI security solutions, asking comprehensive questions about data access and visibility.” Shadow AI has become so rampant because it is everywhere and easy to access through free tools, maintained Komprise’s Subramanian. “All you need is a web browser,” she said. “Enterprise users can inadvertently share company code snippets or corporate data when using these Gen AI tools, which could create data leakage.” “These tools are growing and changing exponentially,” she continued. “It’s really hard to keep up. As the IT leader, how do you track this and determine the risk? Managers might be looking the other way because their teams are getting more done. You may need fewer contractors and full-time employees. But I think the risk of the tools is not well understood.” “The low, or in some cases non-existent, learning curve associated with using Gen AI services has led to rapid adoption, regardless of prior experience with these services,” added Satyam Sinha, CEO and co-founder of Acuvity, a provider of runtime Gen AI security and governance solutions, in Sunnyvale, Calif. “Whereas shadow IT focused on addressing a specific challenge for particular employees or departments, shadow AI addresses multiple challenges for multiple employees and departments. Hence, the greater appeal,” he said. “The abundance and rapid development of Gen AI services also means employees can find the right solution. Of course, all these traits have direct security implications.” Banning AI Tools Backfires To support innovation while minimizing the threat of shadow AI, enterprises must take a three-pronged approach, asserted Kris Bondi, CEO and co-founder of Mimoto, a threat detection and response company in San Francisco. They must educate employees on the dangers of unsupported, unmonitored AI tools, create company protocols for what is not acceptable use of unauthorized AI tools, and, most importantly, provide AI tools that are sanctioned. “Explaining why one tool is sanctioned and another isn’t greatly increases compliance,” she told TechNewsWorld. “It does not work for a company to have a zero-use mandate. In fact, this results in an increase in stealth use of shadow AI.” In the very near future, more and more applications will be leveraging AI in different forms, so the reality of shadow AI will be present more than ever, added AppOmni’s Ruzzi. “The best strategy here is employee training and AI usage monitoring,” she said. “It will become crucial to have in place a powerful SaaS security tool that can go beyond detecting direct AI usage of chatbots to detect AI usage connected to other applications,” she continued, “allowing for early discovery, proper risk assessment, and containment to minimize possible negative consequences.” “Shadow AI is just the beginning,” KnowBe4’s McQuiggan added. “As more teams use AI, the risks grow.” He recommended that companies start small, identify what’s being used, and build from there. They should also get legal, HR, and compliance involved. “Make AI governance part of your broader security program,” he said. “The sooner you start, the better you can manage what comes next.” John P. Mello Jr. has been an ECT News Network reporter since 2003. His areas of focus include cybersecurity, IT issues, privacy, e-commerce, social media, artificial intelligence, big data and consumer electronics. He has written and edited for numerous publications, including the Boston Business Journal, the Boston Phoenix, Megapixel.Net and Government Security News. Email John. Leave a Comment Click here to cancel reply. Please sign in to post or reply to a comment. New users create a free account. Related Stories More by John P. Mello Jr. view all More in IT Leadership #pros #extremely #worried #about #shadow
    WWW.TECHNEWSWORLD.COM
    IT Pros ‘Extremely Worried’ About Shadow AI: Report
    IT Pros ‘Extremely Worried’ About Shadow AI: Report By John P. Mello Jr. June 4, 2025 5:00 AM PT ADVERTISEMENT Enterprise IT Lead Generation Services Fuel Your Pipeline. Close More Deals. Our full-service marketing programs deliver sales-ready leads. 100% Satisfaction Guarantee! Learn more. Shadow AI — the use of AI tools under the radar of IT departments — has information technology directors and executives worried, according to a report released Tuesday. The report, based on a survey of 200 IT directors and executives at U.S. enterprise organizations of 1,000 employees or more, found nearly half the IT pros (46%) were “extremely worried” about shadow AI, and almost all of them (90%) were concerned about it from a privacy and security viewpoint. “As our survey found, shadow AI is resulting in palpable, concerning outcomes, with nearly 80% of IT leaders saying it has resulted in negative incidents such as sensitive data leakage to Gen AI tools, false or inaccurate results, and legal risks of using copyrighted information,” said Krishna Subramanian, co-founder of Campbell, Calif.-based Komprise, the unstructured data management company that produced the report. “Alarmingly, 13% say that shadow AI has caused financial or reputational harm to their organizations,” she told TechNewsWorld. Subramanian added that shadow AI poses a much greater problem than shadow IT, which primarily focuses on departmental power users purchasing cloud instances or SaaS tools without obtaining IT approval. “Now we’ve got an unlimited number of employees using tools like ChatGPT or Claude AI to get work done, but not understanding the potential risk they are putting their organizations at by inadvertently submitting company secrets or customer data into the chat prompt,” she explained. “The data risk is large and growing in still unforeseen ways because of the pace of AI development and adoption and the fact that there is a lot we don’t know about how AI works,” she continued. “It is becoming more humanistic all the time and capable of making decisions independently.” Shadow AI Introduces Security Blind Spots Shadow AI is the next step after shadow IT and is a growing risk, noted James McQuiggan, security awareness advocate at KnowBe4, a security awareness training provider in Clearwater, Fla. “Users use AI tools for content, images, or applications and to process sensitive data or company information without proper security checks,” he told TechNewsWorld. “Most organizations will have privacy, compliance, and data protection policies, and shadow AI introduces blind spots in the organization’s data loss prevention.” “The biggest risk with shadow AI is that the AI application has not passed through a security analysis as approved AI tools may have been,” explained Melissa Ruzzi, director of AI at AppOmni, a SaaS security management software company, in San Mateo, Calif. “Some AI applications may be training models using your data, may not adhere to relevant regulations that your company is required to follow, and may not even have the data storage security level you deem necessary to keep your data from being exposed,” she told TechNewsWorld. “Those risks are blind spots of potential security vulnerabilities in shadow AI.” Krishna Vishnubhotla, vice president of product strategy at Zimperium, a mobile security company based in Dallas, noted that shadow AI extends beyond unapproved applications and involves embedded AI components that can process and disseminate sensitive data in unpredictable ways. “Unlike traditional shadow IT, which may be limited to unauthorized software or hardware, shadow AI can run on employee mobile devices outside the organization’s perimeter and control,” he told TechNewsWorld. “This creates new security and compliance risks that are harder to track and mitigate.” Vishnubhotla added that the financial impact of shadow AI varies, but unauthorized AI tools can lead to significant regulatory fines, data breaches, and loss of intellectual property. “Depending on the scale of the agency and the sensitivity of the data exposed, the costs could range from millions to potentially billions in damages due to compliance violations, remediation efforts, and reputational harm,” he said. “Federal agencies handling vast amounts of sensitive or classified information, financial institutions, and health care organizations are particularly vulnerable,” he said. “These sectors collect and analyze vast amounts of high-value data, making AI tools attractive. But without proper vetting, these tools could be easily exploited.” Shadow AI Everywhere and Easy To Use Nicole Carignan, SVP for security and AI strategy at Darktrace, a global cybersecurity AI company, predicts an explosion of tools that utilize AI and generative AI within enterprises and on devices used by employees. “In addition to managing AI tools that are built in-house, security teams will see a surge in the volume of existing tools that have new AI features and capabilities embedded, as well as a rise in shadow AI,” she told TechNewsWorld. “If the surge remains unchecked, this raises serious questions and concerns about data loss prevention, as well as compliance concerns as new regulations start to take effect.” “That will drive an increasing need for AI asset discovery — the ability for companies to identify and track the use of AI systems throughout the enterprise,” she said. “It is imperative that CIOs and CISOs dig deep into new AI security solutions, asking comprehensive questions about data access and visibility.” Shadow AI has become so rampant because it is everywhere and easy to access through free tools, maintained Komprise’s Subramanian. “All you need is a web browser,” she said. “Enterprise users can inadvertently share company code snippets or corporate data when using these Gen AI tools, which could create data leakage.” “These tools are growing and changing exponentially,” she continued. “It’s really hard to keep up. As the IT leader, how do you track this and determine the risk? Managers might be looking the other way because their teams are getting more done. You may need fewer contractors and full-time employees. But I think the risk of the tools is not well understood.” “The low, or in some cases non-existent, learning curve associated with using Gen AI services has led to rapid adoption, regardless of prior experience with these services,” added Satyam Sinha, CEO and co-founder of Acuvity, a provider of runtime Gen AI security and governance solutions, in Sunnyvale, Calif. “Whereas shadow IT focused on addressing a specific challenge for particular employees or departments, shadow AI addresses multiple challenges for multiple employees and departments. Hence, the greater appeal,” he said. “The abundance and rapid development of Gen AI services also means employees can find the right solution [instantly]. Of course, all these traits have direct security implications.” Banning AI Tools Backfires To support innovation while minimizing the threat of shadow AI, enterprises must take a three-pronged approach, asserted Kris Bondi, CEO and co-founder of Mimoto, a threat detection and response company in San Francisco. They must educate employees on the dangers of unsupported, unmonitored AI tools, create company protocols for what is not acceptable use of unauthorized AI tools, and, most importantly, provide AI tools that are sanctioned. “Explaining why one tool is sanctioned and another isn’t greatly increases compliance,” she told TechNewsWorld. “It does not work for a company to have a zero-use mandate. In fact, this results in an increase in stealth use of shadow AI.” In the very near future, more and more applications will be leveraging AI in different forms, so the reality of shadow AI will be present more than ever, added AppOmni’s Ruzzi. “The best strategy here is employee training and AI usage monitoring,” she said. “It will become crucial to have in place a powerful SaaS security tool that can go beyond detecting direct AI usage of chatbots to detect AI usage connected to other applications,” she continued, “allowing for early discovery, proper risk assessment, and containment to minimize possible negative consequences.” “Shadow AI is just the beginning,” KnowBe4’s McQuiggan added. “As more teams use AI, the risks grow.” He recommended that companies start small, identify what’s being used, and build from there. They should also get legal, HR, and compliance involved. “Make AI governance part of your broader security program,” he said. “The sooner you start, the better you can manage what comes next.” John P. Mello Jr. has been an ECT News Network reporter since 2003. His areas of focus include cybersecurity, IT issues, privacy, e-commerce, social media, artificial intelligence, big data and consumer electronics. He has written and edited for numerous publications, including the Boston Business Journal, the Boston Phoenix, Megapixel.Net and Government Security News. Email John. Leave a Comment Click here to cancel reply. Please sign in to post or reply to a comment. New users create a free account. Related Stories More by John P. Mello Jr. view all More in IT Leadership
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  • German roads thrown into chaos after Google Maps mislabels highways as closed

    Facepalm: In the latest example of why we shouldn't blindly put our faith in online map services, German autobahns and highways were plunged into chaos when Google Maps incorrectly showed that vast sections of the roads were closed. The incident's timing was especially bad as it coincided with the start of a holiday break.
    German motorists likely felt disheartened at the sight of all the stop signs on Google Maps on Thursday. The Guardian reports that major roads in western, northern, south-western and central parts of the country were shown as closed. Even parts of Belgium and the Netherlands appeared to have ground to a halt.
    The situation was exacerbated by the incident taking place at the start of a four-day break for the Ascension holiday, when many Germans were travelling. It led to a huge number of Google Maps users heading for alternative routes to avoid the non-existent closures. Somewhat ironically, this caused huge jams and delays on these smaller roads.
    Drivers not relying on Google Maps – and any Google users who decided to check another service or the news – didn't have to deal with these problems. Apple Maps, Waze, and the traffic reports all showed that everything was moving freely. The major highways were likely quieter than usual as so many Google Maps users were avoiding them.
    The apparent mass closure of so many roads caused panic among those who believed Google Maps' warning. Some thought there had been a terrorist attack or state-sponsored hack, while others speculated about a natural disaster.
    // Related Stories

    When asked about the glitch, which lasted around two hours, Google said the company wouldn't comment on the specific case. It added that Google Maps draws information from three key sources: individual users, public sources such as transportation authorities, and a mix of third-party providers.

    Ars Technica contacted Google to ask about the cause of the problem. A spokesperson said the company "investigated a technical issue that temporarily showed inaccurate road closures on the map" and has "since removed them."
    With Google Maps drawing information from third parties, the issue could partly have been related to the German Automobile Club's warning that there may be heavy traffic at the start of the holiday. Google also added AI features to Maps recently, and we all know how reliable they can be.
    There have been plenty of other incidents in which Google Maps got things very wrong. Germany was cursing the service again earlier this month when it showed highway tunnels being closed in part of the country when they were open.
    In 2023, Google was sued by the family of a North Carolina man who drove his car off a collapsed bridge as he followed directions given by Google Maps. The case is ongoing.
    Masthead: Bhavik Nasit
    #german #roads #thrown #into #chaos
    German roads thrown into chaos after Google Maps mislabels highways as closed
    Facepalm: In the latest example of why we shouldn't blindly put our faith in online map services, German autobahns and highways were plunged into chaos when Google Maps incorrectly showed that vast sections of the roads were closed. The incident's timing was especially bad as it coincided with the start of a holiday break. German motorists likely felt disheartened at the sight of all the stop signs on Google Maps on Thursday. The Guardian reports that major roads in western, northern, south-western and central parts of the country were shown as closed. Even parts of Belgium and the Netherlands appeared to have ground to a halt. The situation was exacerbated by the incident taking place at the start of a four-day break for the Ascension holiday, when many Germans were travelling. It led to a huge number of Google Maps users heading for alternative routes to avoid the non-existent closures. Somewhat ironically, this caused huge jams and delays on these smaller roads. Drivers not relying on Google Maps – and any Google users who decided to check another service or the news – didn't have to deal with these problems. Apple Maps, Waze, and the traffic reports all showed that everything was moving freely. The major highways were likely quieter than usual as so many Google Maps users were avoiding them. The apparent mass closure of so many roads caused panic among those who believed Google Maps' warning. Some thought there had been a terrorist attack or state-sponsored hack, while others speculated about a natural disaster. // Related Stories When asked about the glitch, which lasted around two hours, Google said the company wouldn't comment on the specific case. It added that Google Maps draws information from three key sources: individual users, public sources such as transportation authorities, and a mix of third-party providers. Ars Technica contacted Google to ask about the cause of the problem. A spokesperson said the company "investigated a technical issue that temporarily showed inaccurate road closures on the map" and has "since removed them." With Google Maps drawing information from third parties, the issue could partly have been related to the German Automobile Club's warning that there may be heavy traffic at the start of the holiday. Google also added AI features to Maps recently, and we all know how reliable they can be. There have been plenty of other incidents in which Google Maps got things very wrong. Germany was cursing the service again earlier this month when it showed highway tunnels being closed in part of the country when they were open. In 2023, Google was sued by the family of a North Carolina man who drove his car off a collapsed bridge as he followed directions given by Google Maps. The case is ongoing. Masthead: Bhavik Nasit #german #roads #thrown #into #chaos
    WWW.TECHSPOT.COM
    German roads thrown into chaos after Google Maps mislabels highways as closed
    Facepalm: In the latest example of why we shouldn't blindly put our faith in online map services, German autobahns and highways were plunged into chaos when Google Maps incorrectly showed that vast sections of the roads were closed. The incident's timing was especially bad as it coincided with the start of a holiday break. German motorists likely felt disheartened at the sight of all the stop signs on Google Maps on Thursday. The Guardian reports that major roads in western, northern, south-western and central parts of the country were shown as closed. Even parts of Belgium and the Netherlands appeared to have ground to a halt. The situation was exacerbated by the incident taking place at the start of a four-day break for the Ascension holiday, when many Germans were travelling. It led to a huge number of Google Maps users heading for alternative routes to avoid the non-existent closures. Somewhat ironically, this caused huge jams and delays on these smaller roads. Drivers not relying on Google Maps – and any Google users who decided to check another service or the news – didn't have to deal with these problems. Apple Maps, Waze, and the traffic reports all showed that everything was moving freely. The major highways were likely quieter than usual as so many Google Maps users were avoiding them. The apparent mass closure of so many roads caused panic among those who believed Google Maps' warning. Some thought there had been a terrorist attack or state-sponsored hack, while others speculated about a natural disaster. // Related Stories When asked about the glitch, which lasted around two hours, Google said the company wouldn't comment on the specific case. It added that Google Maps draws information from three key sources: individual users, public sources such as transportation authorities, and a mix of third-party providers. Ars Technica contacted Google to ask about the cause of the problem. A spokesperson said the company "investigated a technical issue that temporarily showed inaccurate road closures on the map" and has "since removed them." With Google Maps drawing information from third parties, the issue could partly have been related to the German Automobile Club's warning that there may be heavy traffic at the start of the holiday. Google also added AI features to Maps recently, and we all know how reliable they can be. There have been plenty of other incidents in which Google Maps got things very wrong. Germany was cursing the service again earlier this month when it showed highway tunnels being closed in part of the country when they were open. In 2023, Google was sued by the family of a North Carolina man who drove his car off a collapsed bridge as he followed directions given by Google Maps. The case is ongoing. Masthead: Bhavik Nasit
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  • How Strava Is Using AI Tools to Crack Down on Cheaters

    Strava drama has become the name of the game in the fitness tracking world. I suppose when your favorite fitness app also includes a social media element, a little tension is inevitable. Add competitive leaderboards into the mix, and you've got a recipe for intrigue that would make reality TV producers salivate.If you're tuned into leaderboard controversies, you'll know that runners and cyclists are deeply divided on whether the platform is doing too much—or not nearly enough—to combat fake entries. If you ask me, when some users are deploying electric unicycles to dominate local climbing segments, that's evidence enough something needs to be done. And now Strava is doing something: The company has announced the launch of AI-enabled Leaderboard Integrity, a new tool intended to separate legitimate athletes from creative cheaters. How Strava is using AI to root out cheatersFor the uninitiated, the reason people cheat is usually to claim King of the Mountainand Queen of the Mountaintitles—coveted crowns that represent the fastest times on specific segments. Peruse the Strava subreddit for a few minutes, and you'll be sure to see grievances about leaderboard cheaters. Strava's latest update is designed to identify and flag "irregular, improbable, or impossible" performance recorded on the platform. The system acts as a digital referee, capable of detecting when an impossibly fast e-bike ride has been mislabeled as a regular cycling effort, then politely prompting users to correct their entries.The technology goes beyond simple speed checks. Strava revealed in February that its machine learning system analyzes activities using 57 different factors, including speed patterns, elevation gains, and acceleration data, to determine when something doesn't add up. The result of this crackdown? Strava has already removed 4.45 million activities from its platform. The deleted activities generally fall into two main categories: entries uploaded with the wrong sport typeand activities recorded while in a vehicle. To be fair, the latter category likely includes everything from users forgetting to stop their tracking while driving home, to more deliberate attempts to game the system by recording car or train journeys as part of legitimate running segments.How Strava users are reactingThe fitness community's reaction to Strava's cheater detection has been characteristically split. Serious athletes and segment hunters generally applaud the stricter measures—after all, leaderboard integrity is what makes the app's competitive element at all meaningful. If the numbers are fraud, what's the point?However, some users worry about false positives—that is, legitimate exceptional performances getting flagged by overzealous algorithms. And the AI is overzealous: Some users have commented that their personal records are being deleted without any sort of prompt or ability to dispute the AI's findings. If you're a serious athlete, seeing your genuinely impressive times being questioned by an automated system that might not account for peak human performance is naturally going to rankle.Outside of leaderboard integrity, Strava's AI initiatives are generally overzealous and inaccurate. I'm not alone in noticing how absurd its new route generation can get. I'm talking routes with concentric loops, cutting through buildings, major roads instead of residential paths, and other issues that will make no sense to a real human moving through the world. Given the immense heat map data that we've all effectively donated to Strava, to be given such shoddy AI-generated routes is fairly bonkers, and it's hardly surprising that its cheat-detecting tools would also be less than precise.The bottom lineControversy aside, Strava's competitive features should be more about personal motivation than serious competition. If cheater detection is ruining your experience, I recommend some perspective. Try not to let it spoil what should be a fun, social fitness experience—especially given the AI tools don'tseem accurate enough to reflect reality.But with 4.45 million activities already in the digital trash bin, Strava's message is clear: The days of easily gaming the leaderboards are over. Of course, as fitness tracking technology continues to evolve, so too will the methods people use to fool the system. Hopefully Strava stays one step ahead of creative rule-benders.
    #how #strava #using #tools #crack
    How Strava Is Using AI Tools to Crack Down on Cheaters
    Strava drama has become the name of the game in the fitness tracking world. I suppose when your favorite fitness app also includes a social media element, a little tension is inevitable. Add competitive leaderboards into the mix, and you've got a recipe for intrigue that would make reality TV producers salivate.If you're tuned into leaderboard controversies, you'll know that runners and cyclists are deeply divided on whether the platform is doing too much—or not nearly enough—to combat fake entries. If you ask me, when some users are deploying electric unicycles to dominate local climbing segments, that's evidence enough something needs to be done. And now Strava is doing something: The company has announced the launch of AI-enabled Leaderboard Integrity, a new tool intended to separate legitimate athletes from creative cheaters. How Strava is using AI to root out cheatersFor the uninitiated, the reason people cheat is usually to claim King of the Mountainand Queen of the Mountaintitles—coveted crowns that represent the fastest times on specific segments. Peruse the Strava subreddit for a few minutes, and you'll be sure to see grievances about leaderboard cheaters. Strava's latest update is designed to identify and flag "irregular, improbable, or impossible" performance recorded on the platform. The system acts as a digital referee, capable of detecting when an impossibly fast e-bike ride has been mislabeled as a regular cycling effort, then politely prompting users to correct their entries.The technology goes beyond simple speed checks. Strava revealed in February that its machine learning system analyzes activities using 57 different factors, including speed patterns, elevation gains, and acceleration data, to determine when something doesn't add up. The result of this crackdown? Strava has already removed 4.45 million activities from its platform. The deleted activities generally fall into two main categories: entries uploaded with the wrong sport typeand activities recorded while in a vehicle. To be fair, the latter category likely includes everything from users forgetting to stop their tracking while driving home, to more deliberate attempts to game the system by recording car or train journeys as part of legitimate running segments.How Strava users are reactingThe fitness community's reaction to Strava's cheater detection has been characteristically split. Serious athletes and segment hunters generally applaud the stricter measures—after all, leaderboard integrity is what makes the app's competitive element at all meaningful. If the numbers are fraud, what's the point?However, some users worry about false positives—that is, legitimate exceptional performances getting flagged by overzealous algorithms. And the AI is overzealous: Some users have commented that their personal records are being deleted without any sort of prompt or ability to dispute the AI's findings. If you're a serious athlete, seeing your genuinely impressive times being questioned by an automated system that might not account for peak human performance is naturally going to rankle.Outside of leaderboard integrity, Strava's AI initiatives are generally overzealous and inaccurate. I'm not alone in noticing how absurd its new route generation can get. I'm talking routes with concentric loops, cutting through buildings, major roads instead of residential paths, and other issues that will make no sense to a real human moving through the world. Given the immense heat map data that we've all effectively donated to Strava, to be given such shoddy AI-generated routes is fairly bonkers, and it's hardly surprising that its cheat-detecting tools would also be less than precise.The bottom lineControversy aside, Strava's competitive features should be more about personal motivation than serious competition. If cheater detection is ruining your experience, I recommend some perspective. Try not to let it spoil what should be a fun, social fitness experience—especially given the AI tools don'tseem accurate enough to reflect reality.But with 4.45 million activities already in the digital trash bin, Strava's message is clear: The days of easily gaming the leaderboards are over. Of course, as fitness tracking technology continues to evolve, so too will the methods people use to fool the system. Hopefully Strava stays one step ahead of creative rule-benders. #how #strava #using #tools #crack
    LIFEHACKER.COM
    How Strava Is Using AI Tools to Crack Down on Cheaters
    Strava drama has become the name of the game in the fitness tracking world. I suppose when your favorite fitness app also includes a social media element, a little tension is inevitable. Add competitive leaderboards into the mix, and you've got a recipe for intrigue that would make reality TV producers salivate.If you're tuned into leaderboard controversies, you'll know that runners and cyclists are deeply divided on whether the platform is doing too much—or not nearly enough—to combat fake entries. If you ask me, when some users are deploying electric unicycles to dominate local climbing segments, that's evidence enough something needs to be done. And now Strava is doing something: The company has announced the launch of AI-enabled Leaderboard Integrity, a new tool intended to separate legitimate athletes from creative cheaters. How Strava is using AI to root out cheatersFor the uninitiated, the reason people cheat is usually to claim King of the Mountain (KOM) and Queen of the Mountain (QOM) titles—coveted crowns that represent the fastest times on specific segments. Peruse the Strava subreddit for a few minutes, and you'll be sure to see grievances about leaderboard cheaters. Strava's latest update is designed to identify and flag "irregular, improbable, or impossible" performance recorded on the platform. The system acts as a digital referee, capable of detecting when an impossibly fast e-bike ride has been mislabeled as a regular cycling effort, then politely prompting users to correct their entries.The technology goes beyond simple speed checks. Strava revealed in February that its machine learning system analyzes activities using 57 different factors, including speed patterns, elevation gains, and acceleration data, to determine when something doesn't add up. The result of this crackdown? Strava has already removed 4.45 million activities from its platform. The deleted activities generally fall into two main categories: entries uploaded with the wrong sport type (like labeling an e-bike ride as regular cycling) and activities recorded while in a vehicle. To be fair, the latter category likely includes everything from users forgetting to stop their tracking while driving home, to more deliberate attempts to game the system by recording car or train journeys as part of legitimate running segments.How Strava users are reactingThe fitness community's reaction to Strava's cheater detection has been characteristically split. Serious athletes and segment hunters generally applaud the stricter measures—after all, leaderboard integrity is what makes the app's competitive element at all meaningful. If the numbers are fraud, what's the point?However, some users worry about false positives—that is, legitimate exceptional performances getting flagged by overzealous algorithms. And the AI is overzealous: Some users have commented that their personal records are being deleted without any sort of prompt or ability to dispute the AI's findings. If you're a serious athlete, seeing your genuinely impressive times being questioned by an automated system that might not account for peak human performance is naturally going to rankle.Outside of leaderboard integrity, Strava's AI initiatives are generally overzealous and inaccurate. I'm not alone in noticing how absurd its new route generation can get. I'm talking routes with concentric loops, cutting through buildings, major roads instead of residential paths, and other issues that will make no sense to a real human moving through the world. Given the immense heat map data that we've all effectively donated to Strava, to be given such shoddy AI-generated routes is fairly bonkers, and it's hardly surprising that its cheat-detecting tools would also be less than precise.The bottom lineControversy aside, Strava's competitive features should be more about personal motivation than serious competition. If cheater detection is ruining your experience, I recommend some perspective. Try not to let it spoil what should be a fun, social fitness experience—especially given the AI tools don't (yet) seem accurate enough to reflect reality.But with 4.45 million activities already in the digital trash bin, Strava's message is clear: The days of easily gaming the leaderboards are over. Of course, as fitness tracking technology continues to evolve, so too will the methods people use to fool the system. Hopefully Strava stays one step ahead of creative rule-benders.
    0 Reacties 0 aandelen
  • QuickDraw Add-On Weights Can Make Your Dumbbells Heavier, But They Scare Me

    We may earn a commission from links on this page.Purchasing a full set of individual dumbbell pairs between five and 60 pounds can cost well over not to mention how much space you'd have to dedicate to storing them. That's why I'm a huge fan of adjustable dumbbells like the REP QuickDraws or Nüobells, which I reviewed here and here, respectively. If you know you want to be able to up to 60 pounds at five-pound increments, effectively combining 30 weights into one compact set, then adjustables like the REP QuickDraws are how you can save significant money and space in your home gym equipment setup. But let's say your strength progresses beyond your adjustable dumbbells' capacity. First of all: Nice work. Secondly: What do you do now? I've seen users on Reddit directly asking "what's stopping me from adding more plates to keep going heavier?" Adding extra weight plates seems like a logical solution, as opposed to spending all that money on an entirely new set for just a few pounds beyond the recommended capacity. So, let's take a look at what is stopping you—and what's not. Here's what you should know about using add-on weights to your adjustable dumbbells, from what is officially considered unsafe to why it gets impractical even aside from that. How to add weight to your adjustable dumbbellsFirst off, not all adjustable dumbbells allow for this type of modification. Selector pin systemsgenerally don't allow for unofficial weight additions due to their enclosed design. Dial systemshave security features specifically preventing modifications outside the cradle. Then you have spin-lock dumbbells, like the QuickDraws, which allow for customization and additional weight outside the cradle. For this reason, I'll be speaking to the REP QuickDraws specifically, as opposed to Nüobells or Powerblocks.Still, adding weight beyond the manufacturer's specifications will almost certainly void your warranty. REP Fitness designed these dumbbells for specific weight ranges and cannot guarantee safety beyond those limits. I spoke with a REP representativewho informed me, "internal testing was not conducted beyond the 60 pound maximum, so REP cannot guarantee the safety of additional weight beyond that."Outside of your warranty, there are safety concerns. The handles, locking mechanisms, and materials are engineered for specific maximum loads. Exceeding these limits risks equipment failure and potential injury. Even if the dumbbells can technically handle the additional plates, the result might be bulky and awkward, affecting your form and increasing injury risk.All that being said, it still is entirely feasible to bend the rules and take your 60-pound dumbbells up to 70 pounds. Assuming you play it safe and only add a few plates to each side, here's what you should know:Only add compatible plates: The QuickDraw system uses standard plate dimensions that can be supplemented with additional compatible plates.Manual addition required: You'll need to add these plates manually outside the cradle system, as the selection mechanism only works within the advertised weight range. This pretty much negates the whole "quick draw" appeal.Secure them properly: Ensure the additional plates are secured with the locking mechanism to prevent dangerous slippage during exercises.Manual tracking required: The dial indicator becomes inaccurate once you exceed the designed range. You'll need to manually calculate and track the added weight.Can youadd more weight to REP QuickDraw Dumbbells?The short answer: Yes, technically you can add additional weight plates to REP QuickDraw dumbbells beyond their advertised maximum. The long answer: Just because something is possible doesn't mean you should make a habit of it. Sure, it's fully above-board to order add-on weights in five-pound increments. However, going beyond 60 pounds isn't sanctioned by REP. For this reason, I naturally had my boyfriend test my DIY super-QuickDraws creation. In the image below, you can see how I manually added weights outside of the cradle. With the spin-locks, you can keep adding weights outside the cradle without any resistance. Just slide the weights on and flip the lock switch.I snapped a picture of it in its lopsided form, so you can see just how far outside the cradle the five-pound add-ons will go—and how precarious it starts to look right off the bat.

    Behold, my DIY super-QuickDraws creation.
    Credit: Meredith Dietz

    As we steadily increased the weight from 65, to 70, to 85 pounds, he noted growing concerns with how much the dumbbells could handle while still feeling safe. The all-steel design gives these guys a premium feel during standard use. But when you go beyond the sanctioned weight capacity, there's a sense that the dumbbells wouldn't bend or snag, but simply snap. And again, you'll need to manually keep track of how much weight you're adding, since the individual plates are not labeled, and you're exceeding the labels of the cradle. That mental math might not be a deterrent for you, but it's something to note.The bottom lineIn most cases, the hassle and safety concerns outweigh the benefits. The primary advantage of the QuickDraws—quick, convenient weight changes—is totally undermined when manually adding plates.Investing in a higher-capacity adjustable dumbbell setor supplementing with specific heavier fixed dumbbells for certain exercises might be safer and more practical. For serious lifters approaching the upper limits of their adjustable dumbbells, I'd recommend supplementing with individual heavier dumbbells.
    #quickdraw #addon #weights #can #make
    QuickDraw Add-On Weights Can Make Your Dumbbells Heavier, But They Scare Me
    We may earn a commission from links on this page.Purchasing a full set of individual dumbbell pairs between five and 60 pounds can cost well over not to mention how much space you'd have to dedicate to storing them. That's why I'm a huge fan of adjustable dumbbells like the REP QuickDraws or Nüobells, which I reviewed here and here, respectively. If you know you want to be able to up to 60 pounds at five-pound increments, effectively combining 30 weights into one compact set, then adjustables like the REP QuickDraws are how you can save significant money and space in your home gym equipment setup. But let's say your strength progresses beyond your adjustable dumbbells' capacity. First of all: Nice work. Secondly: What do you do now? I've seen users on Reddit directly asking "what's stopping me from adding more plates to keep going heavier?" Adding extra weight plates seems like a logical solution, as opposed to spending all that money on an entirely new set for just a few pounds beyond the recommended capacity. So, let's take a look at what is stopping you—and what's not. Here's what you should know about using add-on weights to your adjustable dumbbells, from what is officially considered unsafe to why it gets impractical even aside from that. How to add weight to your adjustable dumbbellsFirst off, not all adjustable dumbbells allow for this type of modification. Selector pin systemsgenerally don't allow for unofficial weight additions due to their enclosed design. Dial systemshave security features specifically preventing modifications outside the cradle. Then you have spin-lock dumbbells, like the QuickDraws, which allow for customization and additional weight outside the cradle. For this reason, I'll be speaking to the REP QuickDraws specifically, as opposed to Nüobells or Powerblocks.Still, adding weight beyond the manufacturer's specifications will almost certainly void your warranty. REP Fitness designed these dumbbells for specific weight ranges and cannot guarantee safety beyond those limits. I spoke with a REP representativewho informed me, "internal testing was not conducted beyond the 60 pound maximum, so REP cannot guarantee the safety of additional weight beyond that."Outside of your warranty, there are safety concerns. The handles, locking mechanisms, and materials are engineered for specific maximum loads. Exceeding these limits risks equipment failure and potential injury. Even if the dumbbells can technically handle the additional plates, the result might be bulky and awkward, affecting your form and increasing injury risk.All that being said, it still is entirely feasible to bend the rules and take your 60-pound dumbbells up to 70 pounds. Assuming you play it safe and only add a few plates to each side, here's what you should know:Only add compatible plates: The QuickDraw system uses standard plate dimensions that can be supplemented with additional compatible plates.Manual addition required: You'll need to add these plates manually outside the cradle system, as the selection mechanism only works within the advertised weight range. This pretty much negates the whole "quick draw" appeal.Secure them properly: Ensure the additional plates are secured with the locking mechanism to prevent dangerous slippage during exercises.Manual tracking required: The dial indicator becomes inaccurate once you exceed the designed range. You'll need to manually calculate and track the added weight.Can youadd more weight to REP QuickDraw Dumbbells?The short answer: Yes, technically you can add additional weight plates to REP QuickDraw dumbbells beyond their advertised maximum. The long answer: Just because something is possible doesn't mean you should make a habit of it. Sure, it's fully above-board to order add-on weights in five-pound increments. However, going beyond 60 pounds isn't sanctioned by REP. For this reason, I naturally had my boyfriend test my DIY super-QuickDraws creation. In the image below, you can see how I manually added weights outside of the cradle. With the spin-locks, you can keep adding weights outside the cradle without any resistance. Just slide the weights on and flip the lock switch.I snapped a picture of it in its lopsided form, so you can see just how far outside the cradle the five-pound add-ons will go—and how precarious it starts to look right off the bat. Behold, my DIY super-QuickDraws creation. Credit: Meredith Dietz As we steadily increased the weight from 65, to 70, to 85 pounds, he noted growing concerns with how much the dumbbells could handle while still feeling safe. The all-steel design gives these guys a premium feel during standard use. But when you go beyond the sanctioned weight capacity, there's a sense that the dumbbells wouldn't bend or snag, but simply snap. And again, you'll need to manually keep track of how much weight you're adding, since the individual plates are not labeled, and you're exceeding the labels of the cradle. That mental math might not be a deterrent for you, but it's something to note.The bottom lineIn most cases, the hassle and safety concerns outweigh the benefits. The primary advantage of the QuickDraws—quick, convenient weight changes—is totally undermined when manually adding plates.Investing in a higher-capacity adjustable dumbbell setor supplementing with specific heavier fixed dumbbells for certain exercises might be safer and more practical. For serious lifters approaching the upper limits of their adjustable dumbbells, I'd recommend supplementing with individual heavier dumbbells. #quickdraw #addon #weights #can #make
    LIFEHACKER.COM
    QuickDraw Add-On Weights Can Make Your Dumbbells Heavier, But They Scare Me
    We may earn a commission from links on this page.Purchasing a full set of individual dumbbell pairs between five and 60 pounds can cost well over $1,500, not to mention how much space you'd have to dedicate to storing them. That's why I'm a huge fan of adjustable dumbbells like the REP QuickDraws or Nüobells, which I reviewed here and here, respectively. If you know you want to be able to up to 60 pounds at five-pound increments, effectively combining 30 weights into one compact set, then adjustables like the REP QuickDraws are how you can save significant money and space in your home gym equipment setup. But let's say your strength progresses beyond your adjustable dumbbells' capacity. First of all: Nice work. Secondly: What do you do now? I've seen users on Reddit directly asking "what's stopping me from adding more plates to keep going heavier?" Adding extra weight plates seems like a logical solution, as opposed to spending all that money on an entirely new set for just a few pounds beyond the recommended capacity. So, let's take a look at what is stopping you—and what's not. Here's what you should know about using add-on weights to your adjustable dumbbells, from what is officially considered unsafe to why it gets impractical even aside from that. How to add weight to your adjustable dumbbellsFirst off, not all adjustable dumbbells allow for this type of modification. Selector pin systems (like PowerBlocks) generally don't allow for unofficial weight additions due to their enclosed design. Dial systems (like my favorite, the Nüobells) have security features specifically preventing modifications outside the cradle. Then you have spin-lock dumbbells, like the QuickDraws, which allow for customization and additional weight outside the cradle. For this reason, I'll be speaking to the REP QuickDraws specifically, as opposed to Nüobells or Powerblocks.Still, adding weight beyond the manufacturer's specifications will almost certainly void your warranty. REP Fitness designed these dumbbells for specific weight ranges and cannot guarantee safety beyond those limits. I spoke with a REP representative (REP-resentative?) who informed me, "internal testing was not conducted beyond the 60 pound maximum, so REP cannot guarantee the safety of additional weight beyond that."Outside of your warranty, there are safety concerns. The handles, locking mechanisms, and materials are engineered for specific maximum loads. Exceeding these limits risks equipment failure and potential injury. Even if the dumbbells can technically handle the additional plates, the result might be bulky and awkward, affecting your form and increasing injury risk.All that being said, it still is entirely feasible to bend the rules and take your 60-pound dumbbells up to 70 pounds. Assuming you play it safe and only add a few plates to each side, here's what you should know:Only add compatible plates: The QuickDraw system uses standard plate dimensions that can be supplemented with additional compatible plates.Manual addition required: You'll need to add these plates manually outside the cradle system, as the selection mechanism only works within the advertised weight range. This pretty much negates the whole "quick draw" appeal.Secure them properly: Ensure the additional plates are secured with the locking mechanism to prevent dangerous slippage during exercises.Manual tracking required: The dial indicator becomes inaccurate once you exceed the designed range. You'll need to manually calculate and track the added weight.Can you (and should you) add more weight to REP QuickDraw Dumbbells?The short answer: Yes, technically you can add additional weight plates to REP QuickDraw dumbbells beyond their advertised maximum. The long answer: Just because something is possible doesn't mean you should make a habit of it. Sure, it's fully above-board to order add-on weights in five-pound increments (which, side-note, I love so much more than a 10-pound jump). However, going beyond 60 pounds isn't sanctioned by REP. For this reason, I naturally had my boyfriend test my DIY super-QuickDraws creation. In the image below, you can see how I manually added weights outside of the cradle. With the spin-locks, you can keep adding weights outside the cradle without any resistance. Just slide the weights on and flip the lock switch.I snapped a picture of it in its lopsided form, so you can see just how far outside the cradle the five-pound add-ons will go—and how precarious it starts to look right off the bat. Behold, my DIY super-QuickDraws creation. Credit: Meredith Dietz As we steadily increased the weight from 65, to 70, to 85 pounds, he noted growing concerns with how much the dumbbells could handle while still feeling safe. The all-steel design gives these guys a premium feel during standard use. But when you go beyond the sanctioned weight capacity, there's a sense that the dumbbells wouldn't bend or snag, but simply snap. And again, you'll need to manually keep track of how much weight you're adding, since the individual plates are not labeled, and you're exceeding the labels of the cradle. That mental math might not be a deterrent for you, but it's something to note.The bottom lineIn most cases, the hassle and safety concerns outweigh the benefits. The primary advantage of the QuickDraws—quick, convenient weight changes—is totally undermined when manually adding plates.Investing in a higher-capacity adjustable dumbbell set (like 80- to 90-pound models) or supplementing with specific heavier fixed dumbbells for certain exercises might be safer and more practical. For serious lifters approaching the upper limits of their adjustable dumbbells, I'd recommend supplementing with individual heavier dumbbells.
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  • Why do lawyers keep using ChatGPT?

    Every few weeks, it seems like there’s a new headline about a lawyer getting in trouble for submitting filings containing, in the words of one judge, “bogus AI-generated research.” The details vary, but the throughline is the same: an attorney turns to a large language modellike ChatGPT to help them with legal research, the LLM hallucinates cases that don’t exist, and the lawyer is none the wiser until the judge or opposing counsel points out their mistake. In some cases, including an aviation lawsuit from 2023, attorneys have had to pay fines for submitting filings with AI-generated hallucinations. So why haven’t they stopped?The answer mostly comes down to time crunches, and the way AI has crept into nearly every profession. Legal research databases like LexisNexis and Westlaw have AI integrations now. For lawyers juggling big caseloads, AI can seem like an incredibly efficient assistant. Most lawyers aren’t necessarily using ChatGPT to write their filings, but they are increasingly using it and other LLMs for research. Yet many of these lawyers, like much of the public, don’t understand exactly what LLMs are or how they work. One attorney who was sanctioned in 2023 said he thought ChatGPT was a “super search engine.” It took submitting a filing with fake citations to reveal that it’s more like a random-phrase generator — one that could give you either correct information or convincingly phrased nonsense.Andrew Perlman, the dean of Suffolk University Law School, argues many lawyers are using AI tools without incident, and the ones who get caught with fake citations are outliers. “I think that what we’re seeing now — although these problems of hallucination are real, and lawyers have to take it very seriously and be careful about it — doesn’t mean that these tools don’t have enormous possible benefits and use cases for the delivery of legal services,” Perlman said. Legal databases and research systems like Westlaw are incorporating AI services.In fact, 63 percent of lawyers surveyed by Thomson Reuters in 2024 said they’ve used AI in the past, and 12 percent said they use it regularly. Respondents said they use AI to write summaries of case law and to research “case law, statutes, forms or sample language for orders.” The attorneys surveyed by Thomson Reuters see it as a time-saving tool, and half of those surveyed said “exploring the potential for implementing AI” at work is their highest priority. “The role of a good lawyer is as a ‘trusted advisor’ not as a producer of documents,” one respondent said. But as plenty of recent examples have shown, the documents produced by AI aren’t always accurate, and in some cases aren’t real at all.RelatedIn one recent high-profile case, lawyers for journalist Tim Burke, who was arrested for publishing unaired Fox News footage in 2024, submitted a motion to dismiss the case against him on First Amendment grounds. After discovering that the filing included “significant misrepresentations and misquotations of supposedly pertinent case law and history,” Judge Kathryn Kimball Mizelle, of Florida’s middle district, ordered the motion to be stricken from the case record. Mizelle found nine hallucinations in the document, according to the Tampa Bay Times.Mizelle ultimately let Burke’s lawyers, Mark Rasch and Michael Maddux, submit a new motion. In a separate filing explaining the mistakes, Rasch wrote that he “assumes sole and exclusive responsibility for these errors.” Rasch said he used the “deep research” feature on ChatGPT pro, which The Verge has previously tested with mixed results, as well as Westlaw’s AI feature.Rasch isn’t alone. Lawyers representing Anthropic recently admitted to using the company’s Claude AI to help write an expert witness declaration submitted as part of the copyright infringement lawsuit brought against Anthropic by music publishers. That filing included a citation with an “inaccurate title and inaccurate authors.” Last December, misinformation expert Jeff Hancock admitted he used ChatGPT to help organize citations in a declaration he submitted in support of a Minnesota law regulating deepfake use. Hancock’s filing included “two citation errors, popularly referred to as ‘hallucinations,’” and incorrectly listed authors for another citation. These documents do, in fact, matter — at least in the eyes of judges. In a recent case, a California judge presiding over a case against State Farm was initially swayed by arguments in a brief, only to find that the case law cited was completely made up. “I read their brief, was persuadedby the authorities that they cited, and looked up the decisions to learn more about them – only to find that they didn’t exist,” Judge Michael Wilner wrote.Perlman said there are several less risky ways lawyers use generative AI in their work, including finding information in large tranches of discovery documents, reviewing briefs or filings, and brainstorming possible arguments or possible opposing views. “I think in almost every task, there are ways in which generative AI can be useful — not a substitute for lawyers’ judgment, not a substitute for the expertise that lawyers bring to the table, but in order to supplement what lawyers do and enable them to do their work better, faster, and cheaper,” Perlman said.But like anyone using AI tools, lawyers who rely on them to help with legal research and writing need to be careful to check the work they produce, Perlman said. Part of the problem is that attorneys often find themselves short on time — an issue he says existed before LLMs came into the picture. “Even before the emergence of generative AI, lawyers would file documents with citations that didn’t really address the issue that they claimed to be addressing,” Perlman said. “It was just a different kind of problem. Sometimes when lawyers are rushed, they insert citations, they don’t properly check them; they don’t really see if the case has been overturned or overruled.”Another, more insidious problem is the fact that attorneys — like others who use LLMs to help with research and writing — are too trusting of what AI produces. “I think many people are lulled into a sense of comfort with the output, because it appears at first glance to be so well crafted,” Perlman said.Alexander Kolodin, an election lawyer and Republican state representative in Arizona, said he treats ChatGPT as a junior-level associate. He’s also used ChatGPT to help write legislation. In 2024, he included AI text in part of a bill on deepfakes, having the LLM provide the “baseline definition” of what deepfakes are and then “I, the human, added in the protections for human rights, things like that it excludes comedy, satire, criticism, artistic expression, that kind of stuff,” Kolodin told The Guardian at the time. Kolodin said he “may have” discussed his use of ChatGPT with the bill’s main Democratic cosponsor but otherwise wanted it to be “an Easter egg” in the bill. The bill passed into law. Kolodin — who was sanctioned by the Arizona State Bar in 2020 for his involvement in lawsuits challenging the result of the 2020 election — has also used ChatGPT to write first drafts of amendments, and told The Verge he uses it for legal research as well. To avoid the hallucination problem, he said, he just checks the citations to make sure they’re real.“You don’t just typically send out a junior associate’s work product without checking the citations,” said Kolodin. “It’s not just machines that hallucinate; a junior associate could read the case wrong, it doesn’t really stand for the proposition cited anyway, whatever. You still have to cite-check it, but you have to do that with an associate anyway, unless they were pretty experienced.”Kolodin said he uses both ChatGPT’s pro “deep research” tool and the LexisNexis AI tool. Like Westlaw, LexisNexis is a legal research tool primarily used by attorneys. Kolodin said that in his experience, it has a higher hallucination rate than ChatGPT, which he says has “gone down substantially over the past year.” AI use among lawyers has become so prevalent that in 2024, the American Bar Association issued its first guidance on attorneys’ use of LLMs and other AI tools. Lawyers who use AI tools “have a duty of competence, including maintaining relevant technological competence, which requires an understanding of the evolving nature” of generative AI, the opinion reads. The guidance advises lawyers to “acquire a general understanding of the benefits and risks of the GAI tools” they use — or, in other words, to not assume that an LLM is a “super search engine.” Attorneys should also weigh the confidentiality risks of inputting information relating to their cases into LLMs and consider whether to tell their clients about their use of LLMs and other AI tools, it states.Perlman is bullish on lawyers’ use of AI. “I do think that generative AI is going to be the most impactful technology the legal profession has ever seen and that lawyers will be expected to use these tools in the future,” he said. “I think that at some point, we will stop worrying about the competence of lawyers who use these tools and start worrying about the competence of lawyers who don’t.”Others, including one of the judges who sanctioned lawyers for submitting a filing full of AI-generated hallucinations, are more skeptical. “Even with recent advances,” Wilner wrote, “no reasonably competent attorney should out-source research and writing to this technology — particularly without any attempt to verify the accuracy of that material.”See More:
    #why #lawyers #keep #using #chatgpt
    Why do lawyers keep using ChatGPT?
    Every few weeks, it seems like there’s a new headline about a lawyer getting in trouble for submitting filings containing, in the words of one judge, “bogus AI-generated research.” The details vary, but the throughline is the same: an attorney turns to a large language modellike ChatGPT to help them with legal research, the LLM hallucinates cases that don’t exist, and the lawyer is none the wiser until the judge or opposing counsel points out their mistake. In some cases, including an aviation lawsuit from 2023, attorneys have had to pay fines for submitting filings with AI-generated hallucinations. So why haven’t they stopped?The answer mostly comes down to time crunches, and the way AI has crept into nearly every profession. Legal research databases like LexisNexis and Westlaw have AI integrations now. For lawyers juggling big caseloads, AI can seem like an incredibly efficient assistant. Most lawyers aren’t necessarily using ChatGPT to write their filings, but they are increasingly using it and other LLMs for research. Yet many of these lawyers, like much of the public, don’t understand exactly what LLMs are or how they work. One attorney who was sanctioned in 2023 said he thought ChatGPT was a “super search engine.” It took submitting a filing with fake citations to reveal that it’s more like a random-phrase generator — one that could give you either correct information or convincingly phrased nonsense.Andrew Perlman, the dean of Suffolk University Law School, argues many lawyers are using AI tools without incident, and the ones who get caught with fake citations are outliers. “I think that what we’re seeing now — although these problems of hallucination are real, and lawyers have to take it very seriously and be careful about it — doesn’t mean that these tools don’t have enormous possible benefits and use cases for the delivery of legal services,” Perlman said. Legal databases and research systems like Westlaw are incorporating AI services.In fact, 63 percent of lawyers surveyed by Thomson Reuters in 2024 said they’ve used AI in the past, and 12 percent said they use it regularly. Respondents said they use AI to write summaries of case law and to research “case law, statutes, forms or sample language for orders.” The attorneys surveyed by Thomson Reuters see it as a time-saving tool, and half of those surveyed said “exploring the potential for implementing AI” at work is their highest priority. “The role of a good lawyer is as a ‘trusted advisor’ not as a producer of documents,” one respondent said. But as plenty of recent examples have shown, the documents produced by AI aren’t always accurate, and in some cases aren’t real at all.RelatedIn one recent high-profile case, lawyers for journalist Tim Burke, who was arrested for publishing unaired Fox News footage in 2024, submitted a motion to dismiss the case against him on First Amendment grounds. After discovering that the filing included “significant misrepresentations and misquotations of supposedly pertinent case law and history,” Judge Kathryn Kimball Mizelle, of Florida’s middle district, ordered the motion to be stricken from the case record. Mizelle found nine hallucinations in the document, according to the Tampa Bay Times.Mizelle ultimately let Burke’s lawyers, Mark Rasch and Michael Maddux, submit a new motion. In a separate filing explaining the mistakes, Rasch wrote that he “assumes sole and exclusive responsibility for these errors.” Rasch said he used the “deep research” feature on ChatGPT pro, which The Verge has previously tested with mixed results, as well as Westlaw’s AI feature.Rasch isn’t alone. Lawyers representing Anthropic recently admitted to using the company’s Claude AI to help write an expert witness declaration submitted as part of the copyright infringement lawsuit brought against Anthropic by music publishers. That filing included a citation with an “inaccurate title and inaccurate authors.” Last December, misinformation expert Jeff Hancock admitted he used ChatGPT to help organize citations in a declaration he submitted in support of a Minnesota law regulating deepfake use. Hancock’s filing included “two citation errors, popularly referred to as ‘hallucinations,’” and incorrectly listed authors for another citation. These documents do, in fact, matter — at least in the eyes of judges. In a recent case, a California judge presiding over a case against State Farm was initially swayed by arguments in a brief, only to find that the case law cited was completely made up. “I read their brief, was persuadedby the authorities that they cited, and looked up the decisions to learn more about them – only to find that they didn’t exist,” Judge Michael Wilner wrote.Perlman said there are several less risky ways lawyers use generative AI in their work, including finding information in large tranches of discovery documents, reviewing briefs or filings, and brainstorming possible arguments or possible opposing views. “I think in almost every task, there are ways in which generative AI can be useful — not a substitute for lawyers’ judgment, not a substitute for the expertise that lawyers bring to the table, but in order to supplement what lawyers do and enable them to do their work better, faster, and cheaper,” Perlman said.But like anyone using AI tools, lawyers who rely on them to help with legal research and writing need to be careful to check the work they produce, Perlman said. Part of the problem is that attorneys often find themselves short on time — an issue he says existed before LLMs came into the picture. “Even before the emergence of generative AI, lawyers would file documents with citations that didn’t really address the issue that they claimed to be addressing,” Perlman said. “It was just a different kind of problem. Sometimes when lawyers are rushed, they insert citations, they don’t properly check them; they don’t really see if the case has been overturned or overruled.”Another, more insidious problem is the fact that attorneys — like others who use LLMs to help with research and writing — are too trusting of what AI produces. “I think many people are lulled into a sense of comfort with the output, because it appears at first glance to be so well crafted,” Perlman said.Alexander Kolodin, an election lawyer and Republican state representative in Arizona, said he treats ChatGPT as a junior-level associate. He’s also used ChatGPT to help write legislation. In 2024, he included AI text in part of a bill on deepfakes, having the LLM provide the “baseline definition” of what deepfakes are and then “I, the human, added in the protections for human rights, things like that it excludes comedy, satire, criticism, artistic expression, that kind of stuff,” Kolodin told The Guardian at the time. Kolodin said he “may have” discussed his use of ChatGPT with the bill’s main Democratic cosponsor but otherwise wanted it to be “an Easter egg” in the bill. The bill passed into law. Kolodin — who was sanctioned by the Arizona State Bar in 2020 for his involvement in lawsuits challenging the result of the 2020 election — has also used ChatGPT to write first drafts of amendments, and told The Verge he uses it for legal research as well. To avoid the hallucination problem, he said, he just checks the citations to make sure they’re real.“You don’t just typically send out a junior associate’s work product without checking the citations,” said Kolodin. “It’s not just machines that hallucinate; a junior associate could read the case wrong, it doesn’t really stand for the proposition cited anyway, whatever. You still have to cite-check it, but you have to do that with an associate anyway, unless they were pretty experienced.”Kolodin said he uses both ChatGPT’s pro “deep research” tool and the LexisNexis AI tool. Like Westlaw, LexisNexis is a legal research tool primarily used by attorneys. Kolodin said that in his experience, it has a higher hallucination rate than ChatGPT, which he says has “gone down substantially over the past year.” AI use among lawyers has become so prevalent that in 2024, the American Bar Association issued its first guidance on attorneys’ use of LLMs and other AI tools. Lawyers who use AI tools “have a duty of competence, including maintaining relevant technological competence, which requires an understanding of the evolving nature” of generative AI, the opinion reads. The guidance advises lawyers to “acquire a general understanding of the benefits and risks of the GAI tools” they use — or, in other words, to not assume that an LLM is a “super search engine.” Attorneys should also weigh the confidentiality risks of inputting information relating to their cases into LLMs and consider whether to tell their clients about their use of LLMs and other AI tools, it states.Perlman is bullish on lawyers’ use of AI. “I do think that generative AI is going to be the most impactful technology the legal profession has ever seen and that lawyers will be expected to use these tools in the future,” he said. “I think that at some point, we will stop worrying about the competence of lawyers who use these tools and start worrying about the competence of lawyers who don’t.”Others, including one of the judges who sanctioned lawyers for submitting a filing full of AI-generated hallucinations, are more skeptical. “Even with recent advances,” Wilner wrote, “no reasonably competent attorney should out-source research and writing to this technology — particularly without any attempt to verify the accuracy of that material.”See More: #why #lawyers #keep #using #chatgpt
    WWW.THEVERGE.COM
    Why do lawyers keep using ChatGPT?
    Every few weeks, it seems like there’s a new headline about a lawyer getting in trouble for submitting filings containing, in the words of one judge, “bogus AI-generated research.” The details vary, but the throughline is the same: an attorney turns to a large language model (LLM) like ChatGPT to help them with legal research (or worse, writing), the LLM hallucinates cases that don’t exist, and the lawyer is none the wiser until the judge or opposing counsel points out their mistake. In some cases, including an aviation lawsuit from 2023, attorneys have had to pay fines for submitting filings with AI-generated hallucinations. So why haven’t they stopped?The answer mostly comes down to time crunches, and the way AI has crept into nearly every profession. Legal research databases like LexisNexis and Westlaw have AI integrations now. For lawyers juggling big caseloads, AI can seem like an incredibly efficient assistant. Most lawyers aren’t necessarily using ChatGPT to write their filings, but they are increasingly using it and other LLMs for research. Yet many of these lawyers, like much of the public, don’t understand exactly what LLMs are or how they work. One attorney who was sanctioned in 2023 said he thought ChatGPT was a “super search engine.” It took submitting a filing with fake citations to reveal that it’s more like a random-phrase generator — one that could give you either correct information or convincingly phrased nonsense.Andrew Perlman, the dean of Suffolk University Law School, argues many lawyers are using AI tools without incident, and the ones who get caught with fake citations are outliers. “I think that what we’re seeing now — although these problems of hallucination are real, and lawyers have to take it very seriously and be careful about it — doesn’t mean that these tools don’t have enormous possible benefits and use cases for the delivery of legal services,” Perlman said. Legal databases and research systems like Westlaw are incorporating AI services.In fact, 63 percent of lawyers surveyed by Thomson Reuters in 2024 said they’ve used AI in the past, and 12 percent said they use it regularly. Respondents said they use AI to write summaries of case law and to research “case law, statutes, forms or sample language for orders.” The attorneys surveyed by Thomson Reuters see it as a time-saving tool, and half of those surveyed said “exploring the potential for implementing AI” at work is their highest priority. “The role of a good lawyer is as a ‘trusted advisor’ not as a producer of documents,” one respondent said. But as plenty of recent examples have shown, the documents produced by AI aren’t always accurate, and in some cases aren’t real at all.RelatedIn one recent high-profile case, lawyers for journalist Tim Burke, who was arrested for publishing unaired Fox News footage in 2024, submitted a motion to dismiss the case against him on First Amendment grounds. After discovering that the filing included “significant misrepresentations and misquotations of supposedly pertinent case law and history,” Judge Kathryn Kimball Mizelle, of Florida’s middle district, ordered the motion to be stricken from the case record. Mizelle found nine hallucinations in the document, according to the Tampa Bay Times.Mizelle ultimately let Burke’s lawyers, Mark Rasch and Michael Maddux, submit a new motion. In a separate filing explaining the mistakes, Rasch wrote that he “assumes sole and exclusive responsibility for these errors.” Rasch said he used the “deep research” feature on ChatGPT pro, which The Verge has previously tested with mixed results, as well as Westlaw’s AI feature.Rasch isn’t alone. Lawyers representing Anthropic recently admitted to using the company’s Claude AI to help write an expert witness declaration submitted as part of the copyright infringement lawsuit brought against Anthropic by music publishers. That filing included a citation with an “inaccurate title and inaccurate authors.” Last December, misinformation expert Jeff Hancock admitted he used ChatGPT to help organize citations in a declaration he submitted in support of a Minnesota law regulating deepfake use. Hancock’s filing included “two citation errors, popularly referred to as ‘hallucinations,’” and incorrectly listed authors for another citation. These documents do, in fact, matter — at least in the eyes of judges. In a recent case, a California judge presiding over a case against State Farm was initially swayed by arguments in a brief, only to find that the case law cited was completely made up. “I read their brief, was persuaded (or at least intrigued) by the authorities that they cited, and looked up the decisions to learn more about them – only to find that they didn’t exist,” Judge Michael Wilner wrote.Perlman said there are several less risky ways lawyers use generative AI in their work, including finding information in large tranches of discovery documents, reviewing briefs or filings, and brainstorming possible arguments or possible opposing views. “I think in almost every task, there are ways in which generative AI can be useful — not a substitute for lawyers’ judgment, not a substitute for the expertise that lawyers bring to the table, but in order to supplement what lawyers do and enable them to do their work better, faster, and cheaper,” Perlman said.But like anyone using AI tools, lawyers who rely on them to help with legal research and writing need to be careful to check the work they produce, Perlman said. Part of the problem is that attorneys often find themselves short on time — an issue he says existed before LLMs came into the picture. “Even before the emergence of generative AI, lawyers would file documents with citations that didn’t really address the issue that they claimed to be addressing,” Perlman said. “It was just a different kind of problem. Sometimes when lawyers are rushed, they insert citations, they don’t properly check them; they don’t really see if the case has been overturned or overruled.” (That said, the cases do at least typically exist.)Another, more insidious problem is the fact that attorneys — like others who use LLMs to help with research and writing — are too trusting of what AI produces. “I think many people are lulled into a sense of comfort with the output, because it appears at first glance to be so well crafted,” Perlman said.Alexander Kolodin, an election lawyer and Republican state representative in Arizona, said he treats ChatGPT as a junior-level associate. He’s also used ChatGPT to help write legislation. In 2024, he included AI text in part of a bill on deepfakes, having the LLM provide the “baseline definition” of what deepfakes are and then “I, the human, added in the protections for human rights, things like that it excludes comedy, satire, criticism, artistic expression, that kind of stuff,” Kolodin told The Guardian at the time. Kolodin said he “may have” discussed his use of ChatGPT with the bill’s main Democratic cosponsor but otherwise wanted it to be “an Easter egg” in the bill. The bill passed into law. Kolodin — who was sanctioned by the Arizona State Bar in 2020 for his involvement in lawsuits challenging the result of the 2020 election — has also used ChatGPT to write first drafts of amendments, and told The Verge he uses it for legal research as well. To avoid the hallucination problem, he said, he just checks the citations to make sure they’re real.“You don’t just typically send out a junior associate’s work product without checking the citations,” said Kolodin. “It’s not just machines that hallucinate; a junior associate could read the case wrong, it doesn’t really stand for the proposition cited anyway, whatever. You still have to cite-check it, but you have to do that with an associate anyway, unless they were pretty experienced.”Kolodin said he uses both ChatGPT’s pro “deep research” tool and the LexisNexis AI tool. Like Westlaw, LexisNexis is a legal research tool primarily used by attorneys. Kolodin said that in his experience, it has a higher hallucination rate than ChatGPT, which he says has “gone down substantially over the past year.” AI use among lawyers has become so prevalent that in 2024, the American Bar Association issued its first guidance on attorneys’ use of LLMs and other AI tools. Lawyers who use AI tools “have a duty of competence, including maintaining relevant technological competence, which requires an understanding of the evolving nature” of generative AI, the opinion reads. The guidance advises lawyers to “acquire a general understanding of the benefits and risks of the GAI tools” they use — or, in other words, to not assume that an LLM is a “super search engine.” Attorneys should also weigh the confidentiality risks of inputting information relating to their cases into LLMs and consider whether to tell their clients about their use of LLMs and other AI tools, it states.Perlman is bullish on lawyers’ use of AI. “I do think that generative AI is going to be the most impactful technology the legal profession has ever seen and that lawyers will be expected to use these tools in the future,” he said. “I think that at some point, we will stop worrying about the competence of lawyers who use these tools and start worrying about the competence of lawyers who don’t.”Others, including one of the judges who sanctioned lawyers for submitting a filing full of AI-generated hallucinations, are more skeptical. “Even with recent advances,” Wilner wrote, “no reasonably competent attorney should out-source research and writing to this technology — particularly without any attempt to verify the accuracy of that material.”See More:
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