When the Computer is Watching….

I recently helped with a research paper on the future of “algorithms”–a once-techy term that now generically refers to computer software that uses rules to make decisions. Software, for example, that takes complex data like your financial information and then generates a credit score.  Algorithms now do everything from pricing

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Will Cash Disappear?

I worked last week with a major credit card company, and one topic was whether cash will disappear.  Will there come a day when all transactions are electronic, perhaps using your smart phone–or even, say, just your fingerprint–and cash will be kept only in museums? Some countries are almost there–in

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Who Will Regulate the Future?

Can government keep up with the accelerating rate of technologic change?  The answer is, usually not. In the US, at least, government moves slowly and is captive to multiple conflicting influences.  Legislators react after problems arise, and even then may not fully understand the underlying technology. Instead, insurance companies may

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