Category Archives: Technology

Innovation Trends to Watch Out for in the Coming Years

GUEST POST from Chateau G Pato

As the world becomes more connected and technology continues to advance at a rapid pace, innovation is becoming increasingly crucial for businesses to stay competitive. Companies that fail to embrace new trends and adapt their strategies accordingly risk falling behind and missing out on significant opportunities for growth and success.

In this article, we will explore two key innovation trends that are expected to shape the business landscape in the coming years. These trends, backed by real-world case studies, underscore the immense potential for transformative innovation and offer valuable insights for organizations seeking to stay ahead of the curve.

Trend to watch #1 – Artificial Intelligence (AI) and Machine Learning (ML) in Customer Service

Artificial Intelligence and Machine Learning have revolutionized various industries, and their impact on customer service is undeniable. AI-powered chatbots and virtual assistants are being adopted by businesses to enhance customer experience, streamline operations, and reduce costs.

One prominent case study comes from Amazon, which implemented AI to improve its customer service capabilities. By leveraging machine learning algorithms, Amazon’s AI-powered customer service chatbots are capable of understanding complex customer queries, providing accurate responses, and resolving issues promptly. This has significantly reduced the burden on human support agents while ensuring consistently efficient and personalized customer service.

Another successful application of AI in customer service is seen in the case of Bank of America. The bank launched an AI-powered virtual assistant called Erica. Erica uses natural language processing and predictive analytics to provide personalized financial advice and assist customers with their banking needs. Erica has transformed the customer experience, offering tailored insights and guidance based on individual preferences, driving customer engagement, and increasing customer satisfaction.

Trend to Watch #2 – Sustainable Innovation

As environmental concerns take center stage, sustainable innovation has emerged as a critical trend in recent years. Businesses across industries are increasingly focused on developing eco-friendly solutions and adopting sustainable practices to reduce their carbon footprint and contribute to a greener future.

One inspiring case study is Patagonia, an outdoor clothing and gear company known for its commitment to sustainability. Patagonia has developed innovative ways to reduce waste and promote recycling. Notably, they launched the ‘Worn Wear’ program, offering repairing services to extend the lifecycle of their products. This initiative not only reduces waste but also fosters customer loyalty by encouraging sustainable consumption habits.

Another example is Tesla, the renowned electric vehicle manufacturer. Tesla has revolutionized the automotive industry by developing high-performance electric vehicles that run on renewable energy. By successfully merging technological advancements with sustainability, Tesla has made significant progress in encouraging the widespread adoption of electric vehicles and reducing dependence on fossil fuels.

Conclusion

Staying up-to-date with innovation trends is vital for businesses to stay relevant and thrive in the fast-paced digital era. Artificial Intelligence and Machine Learning are transforming customer service, while sustainability is becoming increasingly essential. Embracing these trends by leveraging case studies like Amazon, Bank of America, Patagonia, and Tesla can inspire organizations to make informed decisions and embrace innovation to drive growth and success in the coming years.

Bottom line: Futurology is not fortune telling. Futurists use a scientific approach to create their deliverables, but a methodology and tools like those in FutureHacking™ can empower anyone to engage in futurology themselves.

Image credit: Pexels

Sign up here to get Human-Centered Change & Innovation Weekly delivered to your inbox every week.

The Impact of Virtual Reality on Education and Training

Leave a reply

The Impact of Virtual Reality on Education and Training

GUEST POST from Art Inteligencia

Over the past decade, virtual reality (VR) has rapidly evolved from a mere gaming technology to a powerful tool with vast potential in various industries. One sector where VR has already made a significant impact is education and training. With its ability to create immersive and realistic experiences, virtual reality has transformed the way we learn and develop new skills. In this article, we will explore the profound impact of VR on education and training through two compelling case study examples.

Case Study 1: Medical Training

One area where virtual reality has revolutionized education and training is in the field of medicine. Traditional medical training heavily relies on textbooks and real-life patient interactions. However, these methods have limitations when it comes to providing hands-on experience and exposure to rare medical scenarios. Virtual reality has stepped in to bridge this gap.

Take, for instance, the case of Osso VR. This VR surgical training platform allows medical students, residents, and even experienced surgeons to practice complex surgical procedures in a realistic virtual environment. By recreating the surgical environment, complete with haptic feedback, trainees can simulate various procedures on virtual patients with life-like precision. Osso VR has been proven to increase the efficiency of learning surgical techniques, reduce risks associated with training on patients, and enhance overall performance. It provides an invaluable opportunity for medical professionals to gain confidence and proficiency in critical procedures before stepping into the operating room.

Case Study 2: Cultural Immersion

Virtual reality has also proved to be a valuable tool in providing immersive cultural experiences for students. Many educational institutions now leverage VR to take students on virtual field trips, transcending the boundaries of physical travel and enabling them to explore ancient civilizations, distant countries, and unique cultural sites without leaving the classroom.

For instance, Google Expeditions offers an extensive library of virtual field trips using VR technology. Using inexpensive VR headsets, students can teleport to historical landmarks, foreign cities, or even outer space. By immersing themselves in these virtual environments, students can experience the history, culture, and natural wonders of places they may have never otherwise visited.

These experiences go beyond simply viewing images or reading textbooks. They enable students to actively engage with their surroundings, interact with virtual objects, and listen to narrations from experts. Research has shown that such immersive VR experiences enhance students’ retention, increase their empathy and cultural understanding, and improve their overall engagement with the subject matter.

Conclusion

The examples of medical training and cultural immersion provided here are just scratching the surface of the possibilities that virtual reality offers in education and training. VR has the potential to enhance learning outcomes across various disciplines, from engineering and architecture to aviation and military training. By offering safe, cost-effective, and immersive experiences, virtual reality is revolutionizing the way we educate and develop new skills.

As the technology continues to advance and become more accessible, it is essential for educators, institutions, and policymakers to embrace and integrate virtual reality into their curricula. By doing so, we can unlock the full potential of virtual reality and empower future generations with superior educational experiences, leading to a more dynamic and knowledgeable society.

Bottom line: Futures research is not fortune telling. Futurists use a scientific approach to create their deliverables, but a methodology and tools like those in FutureHacking™ can empower anyone to engage in futures research themselves.

Image credit: Pexels

Sign up here to get Human-Centered Change & Innovation Weekly delivered to your inbox every week.

The Future of Transportation

Leave a reply

Autonomous Vehicles and Beyond

The Future of Transportation: Autonomous Vehicles and Beyond

GUEST POST from Chateau G Pato

Transportation has always been an essential element of human progress and development. From horse-drawn carriages to steam locomotives and automobiles, our journey towards efficient mobility has been nothing short of remarkable. However, the next phase of transportation promises to be truly revolutionary, thanks to the advent of autonomous vehicles. In this article, we will explore the potential of self-driving cars and highlight two intriguing case studies that illustrate the trajectory of this transportation revolution.

Case Study 1: Waymo’s Self-Driving Taxis in Phoenix

A prominent player in the field of autonomous vehicles is Waymo, a subsidiary of Alphabet Inc. (Google’s parent company). Waymo has been steadily forging ahead with its self-driving taxi service in Phoenix, Arizona since December 2018. This ambitious project aims to replace traditional ride-sharing services by providing fully autonomous transport to residents in the Phoenix metropolitan area.

Waymo’s test fleet consists of various autonomous vehicles equipped with an array of sensors, Lidar, radar, and computer vision systems. These technologies enable the cars to perceive their surroundings, navigate complex traffic situations, and interact with pedestrians and other road users safely. As of 2021, Waymo’s taxis have successfully completed over 20 million miles on public roads in autonomous mode, honing their capabilities through machine learning algorithms.

The Phoenix case study showcases the potential of autonomous vehicles to revolutionize daily commuting. By removing the need for human drivers, self-driving taxis can significantly reduce traffic congestion, carbon emissions, and the costs associated with car ownership. Moreover, they offer improved accessibility to transportation for those who are unable to drive, such as the elderly or individuals with disabilities. Waymo’s ongoing success in Phoenix hints at a future where autonomous transportation becomes the primary mode of urban mobility.

Case Study 2: Tesla’s Autopilot and Full Self-Driving Capability

While Waymo focuses on ride-sharing, Tesla, the electric vehicle pioneer, has been at the forefront of enabling autonomous driving for personal vehicles. Tesla’s Autopilot system, a suite of advanced driver-assistance features, has been available in their vehicles since 2014. Over the years, Tesla has continuously refined and expanded its Autopilot capabilities, aiming to eventually achieve full self-driving (FSD) capability.

Tesla’s approach to autonomy revolves around utilizing an ever-increasing fleet of vehicles to collect vast amounts of data. Those data are then used to train machine learning algorithms, which inform the development of autonomous driving software. Through regular over-the-air updates, Tesla’s global fleet’s driving experiences continuously contribute to the improvement of their autonomous technology.

This case study demonstrates the power of leveraging data and machine learning to achieve greater levels of autonomy. Tesla’s wide-reaching network of vehicles, each acting as a data-gathering entity, allows for rapid advancements in autonomous driving capabilities. As Tesla’s FSD technology matures, it has the potential to transform personal transportation, offering individuals the freedom to relax or be more productive during their journeys.

Looking Beyond Autonomous Vehicles

While autonomous vehicles are undoubtedly the future of transportation, the revolution extends beyond cars. Other transportation modes, such as trucks, buses, and drones, are also ripe for autonomous disruption. Self-driving trucks, for instance, have the potential to revolutionize logistics and freight transportation by maximizing efficiency and minimizing the risk of human error. Furthermore, autonomous drones could soon revolutionize last-mile deliveries, bringing packages directly to our doorsteps more efficiently and at lower costs.

Conclusion

The future of transportation lies in autonomous vehicles and beyond. The case studies of Waymo and Tesla illustrate the significant progress being made towards this future, where fully autonomous transportation becomes the norm. As we ride this wave of technological innovation, it is crucial to embrace the opportunities and challenges that autonomous vehicles present. By doing so, we can shape a future of transportation that is safer, more efficient, and more sustainable for us all.

Image credit: Pexels

Sign up here to get Human-Centered Change & Innovation Weekly delivered to your inbox every week.

7 Secrets of Effective Data Analysis

1 Reply

7 Secrets of Effective Data Analysis

GUEST POST from Art Inteligencia

Data analysis is a critical skill in the world of business, and the ability to effectively analyze data can be the difference between success and failure. With the increasing amount of data available today, it’s more important than ever to get the most out of the data you have. Here are some tips for effective data analysis.

1. Have a Clear Goal

Before you begin any data analysis, it’s important to have a clear goal in mind. What do you want to learn from the data? What kind of questions do you want to answer? Having a clear goal will help you focus your efforts and ensure that you’re making the most of your data.

2. Collect Quality Data

Data is only as good as the quality of the data you collect. Collecting accurate data is essential for effective analysis, so ensure that you’re collecting data from reliable sources.

3. Understand Your Data

Before you can begin to analyze your data, you need to understand what it is telling you. Take the time to familiarize yourself with the data and what it means.

4. Use the Right Tools

There are a variety of tools available for data analysis, and it’s important to use the right ones for the task at hand. Using the right tools will help you get the most out of your data and make the analysis process more efficient.

5. Visualize Your Data

Visualizing your data can help you better understand it and draw more meaningful conclusions. There are a variety of tools available for visualizing data, from simple charts and graphs to more complex visualizations.

6. Focus on the Big Picture

When analyzing data, it’s easy to get lost in the details. It’s important to remember to step back and look at the big picture. What are the overarching trends and patterns in your data? What does it all mean in the grand scheme of things?

7. Be Prepared to Take Action

Once you’ve analyzed your data, it’s important to be prepared to take action. What changes can you make based on the data you’ve analyzed? How can you use the data to drive growth and improve performance?

By following these tips, you can ensure that you’re getting the most out of your data and making informed decisions. Data analysis is an invaluable skill in the modern business world, and the ability to effectively analyze data can be the difference between success and failure.

Image credit: Pexels

Sign up here to get Human-Centered Change & Innovation Weekly delivered to your inbox every week.

Innovation or Not – Amazon One

Leave a reply

Amazon One Biometric Payments

I came across another payments-related invention that Amazon is releasing into the wild. Yes, it is based around biometrics, but before you start getting all freaked out, it doesn’t use an implanted RFID chip or even facial recognition. No, Amazon One as it is referred to, connects a scan of your palm to your phone number and your credit card.

Once you’ve set this up at one of the Amazon Go stores currently piloting the technology, you’re all ready to go. From that point forward you can enter the Amazon Go store by hovering your palm above the reader and then use your palm on the way out to pay (and receive your receipt by text message I assume).

While you can connect your palm to your Amazon account so you can track purchase history, you don’t have to. Your palm scan is encrypted and stored in the cloud for future use.

Still not sure how it works?

Check out this explainer video:

The tagline for the service gives you an idea of the third party applications that Amazon hopes to pursue with this technology:

“Enter, identify and pay with Amazon One.”

So, what do you think? Innovation or not?

Accelerate your change and transformation success

Sign up here to get Human-Centered Change & Innovation Weekly delivered to your inbox every week.

Innovation or Not – Amazon Alexa Pay for Gas

Leave a reply

Amazon Alexa Pay for Gas

You can now use the Alexa app on your phone or Alexa-enabled device in your car for an easy way to pay for gas at Exxon and Mobil stations nationwide.

Here’s how it works in a nutshell:

Drive your vehicle up to the pump at your Exxon or Mobil station.
Use the Alexa-enabled device in your car or Alexa app on your phone and say “Alexa, pay for gas.”
Follow Alexa’s prompts to activate the pump.
Fuel up and drive away. Payment is handled automatically.

I’m not sure whether they’re using Near Field Communications (NFC) or cellular data to communicate, but basically what’s happening is that in the same way a card swipe or tap to pay reader on the pump receives payment method information and validates payment, the pumps at select Exxon Mobil stations can now receive Amazon Pay default payment information, validate it and unlock the pump in the same way.

It’s a nice convenience and a clever way of trying to increase the adoption of Amazon Pay, but is it an innovation?

What do you think?

Sign up here to get Human-Centered Change & Innovation Weekly delivered to your inbox every week.

The Rise of Blockchain Technology: Transforming Industries Beyond Cryptocurrency

Leave a reply

The Rise of Blockchain Technology: Transforming Industries Beyond Cryptocurrency

GUEST POST from Chateau G Pato

Blockchain technology has rapidly emerged as one of the most disruptive and transformative innovations of our time. While most commonly associated with cryptocurrencies like Bitcoin, its potential reaches far beyond the financial sector. As businesses around the world begin to grasp the implications of this decentralized ledger system, numerous industries are being revolutionized by blockchain.

Case Study 1: Supply Chain Management – Walmart

One of the notable examples of blockchain’s impact is evident in Walmart’s implementation of the technology to optimize its supply chain management. Prior to adopting blockchain, the company faced challenges in traceability, increased fraud risks, and delayed dispute resolution. However, by leveraging blockchain, Walmart has transformed its supply chain processes to ensure transparent, secure, and efficient transactions.

By implementing a blockchain-based system, Walmart improved its product traceability from days to mere seconds. The technology provides accurate and real-time information about the origin and movement of products, reducing the impact of fraud and mitigating the spread of contaminated products. Additionally, the decentralized nature of blockchain allows stakeholders to authenticate information, reducing the need for intermediaries, and saving costs for all parties involved.

Case Study 2: Healthcare – Medicalchain

Another industry significantly impacted by blockchain technology is healthcare. Medicalchain, a UK-based blockchain startup, is effectively utilizing this technology to revolutionize how patient data is stored, accessed, and shared securely.

Traditional healthcare systems are often plagued by fragmented data sets, privacy concerns, and inefficiencies in record-keeping. Medicalchain’s blockchain platform provides a secure and decentralized solution by giving patients full ownership of their medical data. Using smart contracts, patients can grant access to healthcare providers, researchers, or insurers on a need-to-know basis, ensuring privacy and transparency.

Through this blockchain-based system, patients have greater control over their medical history, reducing the likelihood of incorrect diagnoses due to incomplete information. It also eliminates the need for repetitive medical tests, lowering costs, and improving overall healthcare quality. Furthermore, researchers can securely access anonymized data for crucial medical studies and advancements without breaching patient privacy.

Future Opportunities and Conclusion

These case studies present just a glimpse of the vast potential blockchain technology holds in transforming various industries. Its decentralized nature, immutability, and transparency have the power to revolutionize sectors such as finance, supply chain management, healthcare, real estate, governance, and more.

In the finance sector, blockchain can reduce the reliance on intermediaries, enhance security, facilitate faster cross-border transactions, and enable greater financial inclusion. In real estate, blockchain can provide transparent property transactions, streamline the process of title transfers, and allow fractional ownership.

As blockchain technology continues to mature and stakeholders become more aware of its benefits, its potential applications will only expand. Governments, businesses, and individuals must embrace this technology and collaborate to shape its future.

In conclusion, blockchain technology is no longer confined to cryptocurrencies. It is already disrupting industries worldwide, bringing transparency, security, and efficiency to various processes. Businesses that incorporate blockchain into their operations will be well-positioned to thrive in this rapidly evolving digital landscape. The rise of blockchain presents an opportunity for industries to transform and surpass existing limitations, propelling us towards a more innovative and inclusive future.

Image credit: Pixabay

Sign up here to get Human-Centered Change & Innovation Weekly delivered to your inbox every week.

The Future of Transportation

Leave a reply

Disruptive Innovations and Sustainable Solutions

The Future of Transportation

GUEST POST from Art Inteligencia

Transportation plays a pivotal role in our daily lives, enabling the movement of people and goods. As we progress towards a more connected and sustainable future, disruptive innovations are reshaping the transportation industry. These innovations are challenging traditional norms and providing sustainable solutions to address the growing concerns around congestion, emissions, and infrastructure. In this thought leadership article, we will explore two case studies that illustrate how disruptive innovations are shaping the future of transportation.

Case Study 1: Electric Vehicles – Transforming the Automotive Industry

Electric vehicles (EVs) are revolutionizing the automotive industry, offering a sustainable alternative to traditional internal combustion engine (ICE) vehicles. With zero tailpipe emissions, EVs address the critical environmental challenges posed by conventional transportation. One of the key disruptors in the EV market is Tesla, an American electric vehicle and clean energy company.

Tesla’s innovative approach to EV manufacturing and infrastructure has redefined the industry standards. Their vehicles provide long-range capabilities, rapidly expandable charging infrastructure, and unparalleled performance, challenging the traditional notion that EVs are limited in range and practicality. Tesla’s success has paved the way for other automakers to invest in electric mobility, accelerating the transition towards a sustainable transportation future.

Additionally, the rise in popularity of EV-sharing platforms and autonomous electric taxis further highlights the disruption caused by electric vehicles. Companies like Uber and Lyft are integrating electric and autonomous vehicles into their fleets, reducing emissions and transforming the transportation landscape. As EV technology continues to advance, costs decrease, and charging infrastructure expands, widespread adoption of electric vehicles holds the promise of a sustainable transportation revolution.

Case Study 2: Hyperloop – Redefining High-Speed Transportation

Hyperloop, a proposed mode of transportation, is a testament to disruptive innovation in the transportation sector. Conceived by Elon Musk, the Hyperloop is a magnetic levitation system that propels passenger pods through low-pressure tubes at high speeds. This revolutionary concept promises to redefine long-distance travel, offering an ultra-fast, energy-efficient, and sustainable mode of transportation.

Virgin Hyperloop, a company founded on Elon Musk’s vision, is actively developing and commercializing Hyperloop technology. With successful test runs, Virgin Hyperloop aims to create a new form of mass transit that is faster than air travel, more sustainable than trains, and less disruptive to the local environment. Hyperloop systems have the potential to connect cities and regions, reducing travel time, congestion, and the associated carbon footprint.

The disruptive nature of the Hyperloop extends beyond passenger transportation. It also has the potential to transform freight logistics, enabling the rapid movement of goods in an eco-friendly and efficient manner. By leveraging renewable energy and minimizing environmental impact, Hyperloop technology holds great promise for sustainable transportation systems of the future.

Conclusion

The future of transportation lies in disruptive innovations that challenge conventional practices and provide sustainable solutions for a connected world. Electric vehicles and the Hyperloop are just two examples of how the transportation industry is being transformed. These innovations not only address environmental concerns but also have the potential to improve efficiency, reduce congestion, and enhance connectivity. As disruptive innovations continue to emerge, it is vital for policymakers, companies, and individuals to embrace these solutions and work together to build a sustainable and resilient transportation ecosystem. Through collaboration and shared vision, we can shape a future where transportation is not only efficient but also in harmony with the environment.

Image credit: Pixabay

Sign up here to get Human-Centered Change & Innovation Weekly delivered to your inbox every week.

The Role of Virtual Reality in Shaping Future Learning Environments

Leave a reply

The Role of Virtual Reality in Shaping Future Learning Environments

GUEST POST from Chateau G Pato

With the rapid advancement of technology, it comes as no surprise that virtual reality (VR) has emerged as a transformative tool in various industries. One such area where VR is making significant strides is in the field of education. Virtual Reality has the potential to revolutionize traditional learning methods by creating immersive and interactive experiences that enhance student engagement and understanding. In this thought leadership article, we will explore the role of virtual reality in shaping future learning environments, highlighting two case studies that demonstrate its remarkable impact.

Case Study 1: Medical Education

One notable example of VR’s influence on the learning landscape is its application in medical education. Traditionally, medical students have relied on textbooks, lectures, and limited hands-on experiences to grasp complex medical concepts and procedures. However, VR has opened up a whole new realm of learning by providing students with interactive simulations and realistic scenarios.

Imagine a medical student aspiring to become a surgeon. In the past, they might have observed surgeries from a distance or practiced on models. But with VR, they can now step into a virtual operating room and experience a surgery in a much more hands-on way. Companies like Osso VR have developed VR training modules that guide students through realistic surgical procedures, allowing them to practice their skills in a safe and controlled environment. This immersive experience enhances their learning outcomes, confidence, and muscle memory, ultimately leading to more skilled and prepared medical professionals.

Case Study 2: Historical Education

VR is also transforming the way history is taught. History can often be perceived as a dull subject, filled with abstract dates and events. But with virtual reality, students can transport themselves to different historical eras, bringing the past to life in a tangible way.

Take, for example, the VR experience built by the British Museum in partnership with Samsung. Through their virtual reality tour, students can explore an ancient Greek city or walk through the rooms of the Egyptian Book of the Dead. This interactive experience immerses students in history, allowing them to see and touch artifacts that would otherwise be inaccessible. By engaging multiple senses, VR enhances learning retention and stimulates students’ curiosity, making history a captivating and memorable subject.

Looking Ahead

As VR continues to advance, its potential in shaping future learning environments is immense. From aiding simulations in scientific experiments to creating virtual laboratories for chemistry and biology, the possibilities are endless. VR opens doors to disciplines where physical constraints, safety concerns, or limited resources could hinder traditional learning methods.

However, implementing VR in education does come with challenges. Infrastructure requirements, availability of affordable devices, and content creation can be barriers that need to be addressed. Collaboration between academia, technology providers, and policymakers is crucial to ensure equitable access to VR tools and content.

Conclusion

In conclusion, virtual reality is revolutionizing education by creating immersive and interactive learning experiences. The case studies in medical education and historical education serve as powerful examples of VR’s potential to enhance learning outcomes. As we look towards the future, it is essential to embrace this technology, adapt curricula, and foster collaborations to unlock the full potential of VR in shaping future learning environments. By doing so, we will empower students with an innovative and engaging educational experience, preparing them to thrive in an ever-evolving world.

Image credit: Pixabay

Sign up here to get Human-Centered Change & Innovation Weekly delivered to your inbox every week.

Companies Need to Double Down on Dual-Factor Authentication

Leave a reply

Companies Need to Double Down on Dual-Factor Authentication

Unfortunately there will always be bad actors in this world, people who don’t restrain themselves from trying to steal from others or to harm them. Because of this we need to accept the fact that hacking is here to stay and enhanced security measures will be required to protect ourselves from theft in our digital lives that can impact our real lives.

Some of my recent research in the hospitality industry identified that fraud is a large and increasing problem for hotels, resulting in unfilled inventory, credit card chargebacks, and loyalty point thefts from customers.

Personally, my Starbucks card account has been hacked – twice.

According to Chargeback.com:

“The percentage of cyber attacks targeting loyalty and rewards accounts nearly tripled from 2016 to 2017, with 48% of businesses being hit by ATO (Account Takeover) attacks. This has cost companies more than $2.3 billion worldwide.”

The most recent hack was foiled by a 24 hour cooldown period, preventing (or discouraging) thieves from being able to move about $25.00 off my Starbucks card onto theirs. But as I was setting up dual-factor authentication on my account and changing my password to keep the thieves from getting back into my account I noticed that the system was not set up well for a simple nuclear family – let alone a complicated family. Users are only able to enter a single phone number for the dual-factor authentication code to be sent to. I assume this is to make the system simple but it then makes it so that my wife can’t access the account.

Dual-factor authentication is going to become a mandatory requirement for logins to financially-linked accounts (including any site where you store your credit card details) and companies need to design their systems to accommodate spouses and potentially even children.

Companies should consider incorporating biometric methods of identity verification as the primary or secondary method of authentication as well, not just for security reasons but for ease of use/customer experience reasons too.

So, protect your customers folks, but remember how people live their lives as you’re designing your systems to keep them (and their money) safe.

Keep innovating!

Sign up here to get Human-Centered Change & Innovation Weekly delivered to your inbox every week.