Technology - Page 34

How to Keep Your Identity Safe from Unwanted Calls

Are you constantly receiving calls from random 1-800 telemarketers? The fact is mobile spam calls have become a nuisance in recent decades, and as a matter of fact, it feels like there has been a surge of them in the last few months.

We have to deal with a new barrage of spam calls every single day.  Robocallers have evolved over the years and new trends have emerged. Today, telemarketers mask their robocalls with, genuine looking phone numbers. And it’s funny how sometimes their nonsense can be amusing-picture when you get a voicemail that is disguised as a threat to arrest you over owed back taxes. Well, this can be quite an unwelcome distraction and the Internet of things has made it very easy for scammers to fire off endless calls!

source: consumerreports.org

So if you are as sick and tired as I am, pulling your phone out of your pouch only to see some strange telemarketer’s number, let’s see some options for fighting back and restoring some sense of peace.

But first, how do telemarketers get your number anyway? Here are four facts that might surprise you.

1. You share your number way too much

source: dailyexcelsior.com

Whenever you fill out a form, whether online or offline, there’s a chance that all information you provide ends up with someone else. Remember when you fill out a form for that annual contest entry? Or sign up for an online service eying that discount or in-store credit?

Well, anytime you give out your phone number out there, you expose yourself to spamming risk.

2. You accept Terms of Use blindly

There’s a surge in the number of mobile apps in our stores and all they are interested in is harvesting as much personal data so they can sell it to willing buyers (and there are tons of them). So next time you think of downloading that fancy flashlight utility app you found on Play Store or App Store be sure to check what permissions the app is requesting to access before installing it.

3. Big data has killed privacy

source: idee.net

Just so you know, computers nowadays are so strong and fast that they can crawl every web page on the internet searching for data points. In a snap, computers can now collate nearly every piece of information available on the internet about anyone. Whether it is that Facebook post you liked a week ago or that tweet you sent earlier today. Nothing is hidden from these electronic brains. As a matter of fact, just search for yourself on Pipl.com and you will be amazed at the number of companies that claim to have your personal information out there.

4. Robots can make a zillion random calls in a blink

It’s not news that there are more automated calls today than there were a decade ago. It’s interesting how robots can process a zillion numbers to come up with random phone numbers which they use to make automated calls to unsuspecting receivers and I can bet my bottom dollar that you have fallen victim of automated calls at one point in your life.

Restore some sense of peace with an anonymous number

source: reedesignweb.com

While there are a couple of measures you can take to protect your personal data, the ultimate solution to stopping annoying robocalls is proposed by dealfuel.com and it is called the Hushed private phone line app. This app gives you access to anonymous phone numbers that you can use instead of your real phone number when filling out forms either online or offline. The good thing is that you will still be reachable to your near and dear ones through your existing phone number. The difference here though is that when someone tries to reach you through the anonymous number, you’ll answer via the Hushed number instead of your real phone number.

What this means is that you will keep your real identity secret and still receive calls from people that you’d like to hear from, like that warm Uber representative explaining that you won a free ride to your favourite destination.

With the Hushed app, you will enjoy every moment your phone rings even when an unknown international number pops up.

Proxy Phone Numbers and Services

source: talkroute.com

The most interesting thing about owning a proxy number is not only the anonymity it brings, but also the freedom it offers especially when surfing the internet. You can share your phone number with anyone whether online or offline without necessarily having to worry about the privacy concerns associated with sharing personal phone numbers. What’s more? You don’t have to purchase a second phone!

Here’s the thing, some proxy phone apps offer a second phone number (sometimes temporary). Others provide the option of adding several different phone numbers to manage several lines from one central app. Either way, most proxy phone apps are designed to allow for communication either through, talk, text or picture sharing just like a regular phone operates.

Proxy Phone numbers Allow You to Erase All Contacts any time

source: dailydot.com

Now this is where it gets even better. Picture this, you filled out an online form that required your phone number in order to submit. Luckily this time you provided the proxy number you obtained from Hushed.  Now you are receiving an avalanche of promotional text messages from telemarketers who are convinced that you are a fertile ground to harvest. Or countless phone calls from several sketchy callers.

Did you know that on top of ignoring their insistent calls and text messages, you can also keep them at bay for good by deleting the number they are calling you from?

This means that the Hushed private phone number app gives you an added layer of security that you need to stay in control of your communication. The anonymous number you get will mask you from scams and cover you from nauseating calls from telemarketers.

Volante Vision – a futuristic flying taxi

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Aston Martin is a huge brand and name in the automotive industry and it always strives to make something new and luxurious. This time, this company has revealed its ideas and plans to make a luxurious taxi, but the one that could fly. They have made it into a concept and called it the Volante Vision Concept. We would be able to know more about the entire concept during the Farnborough Air Show.

Design and Performances

One of the best features of this aircraft would be the possibility to have vertical take-off and landing. Regarding the engine itself, there would be a hybrid-electrical engine and the engine is expected to be paired up with several propellers. The turboprop is expected to be at the back of the unit. We should also add an interesting thing about its exterior design and it is a Y-wing at its front, and it could have dual propellers with the ability to tilt and rotating.

Img source: theweek.co.uk

Luxury

Since we are talking about Aston Martin, it is expected that the manufacturer would make this aircraft as luxurious as possible. The navigation included would be autonomous and there would also be cockpit canopy that would be made entirely of glass. It has been decided to make this aircraft to be used by rich people and all those who would like to have luxurious air-taxi at any moment.

Partnership

It should be added that Aston Martin is not making it alone since they do not have any experience in the industry, and this is the reason why they are collaborating with Rolls-Royce. Why? Well, Rolls-Royce has similar projects of its own in development. So, the competition for this type of clientele would be fierce.

10 reasons to consider software outsourcing to Ukraine

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Software outsourcing to Ukraine gains popularity day by day with Ukrainian developers recognized as an ideal investment by companies all over the world. The country is close to Western states by the mentality and has a convenient time zone; it hosts a large pool of talented coders ready to work for highly affordable rates and is ideal for clients seeking optimal outsourcing solutions in many other ways. Experts of Qubit Labs dig deeper into the causes of Ukraine’s software outsourcing solutions being the preferred choice of a growing number of clients.

Ideal Time Zone

Ukraine is located close to most European countries, which ensures a minimal time difference of 1-2 hours allowing a significant overlap of the in-house and outsource teams’ working time. Thus, when hiring programmers from Ukraine, European companies can count on a great blend of their teams and dedicated teams. The time difference with the USA is bigger, but still, you can get 2-3 hour overlap.

Impressive Talent Pool

According to the latest stats, Ukraine offers a huge talent pool in the IT sector exceeding 160,000 professionals. Thus, in the conditions of rising coder rates and reducing the availability of required tech stack in major Western states, such a pool of talent is a rich source of staffing solutions.

Img source: kultprosvet.net

Advanced Tech Education

Besides having over 160 thousand qualified working developers, Ukraine also invests heavily into the expansion of this talent pool by offering highly advanced, competitive higher technical education. As a result of such a strong national focus on education yields over 36,000 tech graduates ready to enter the professional software development sector every year. In such a situation, foreign clients are always spoilt for choice.

Good Command of English

Ukrainian developers are known for advanced knowledge of English; such proficiency allows more effective communication in the process of work and simplifies the software outsourcing collaboration.

Convenience for Travel

Ukraine is convenient for foreign businesses in many ways; first, there are numerous international airports to which clients may come from all corners of the world to visit their dedicated teams. Second, the rates for travel are affordable and the timing is also comfortable, with trips from major European cities to Kyiv taking 1-3 hours at most.

Cost/Benefit Balance

Rates for software development is highly competitive in Ukraine, while the tech stack and experience of developers are advanced. Thus, companies hiring coders here always get the most for their money.

Img source: 112.international

Developed IT Outsourcing Sector

The Ukrainian software outsourcing sector responds to the rising demand for Ukrainian developers with active development and a vibrant tech community. The country hosts over 1,000 software development enterprises, dozens of staffing vendors, and witnesses a realm of tech startups.

Good Cultural Fit

Ukraine is culturally close to Europe, so there is no cultural incongruence in establishing multinational project teams.

Favorable Environment for International Businesses

Ukraine has a highly favorable business climate fostering direct investment and encouraging the collaboration of Ukrainian workforce with Western companies. Thus, foreign clients find low taxes, affordable rental rates, and other benefits fostering business growth here.

Client-Oriented Business Approach

The last but not the least benefit that foreign enterprises see in hiring Ukrainian coders is the client-oriented approach of outsourcing vendors. While freelancers often act irresponsibly and disappear from projects, Ukrainian developers enjoy favorable reviews worldwide in terms of responsibility and accountability with clients. Moreover, due to the cultural homogeneity of the country, there are only 11 paid holidays during which the employees don’t work. As compared to other outsourcing destinations, this number is the smallest.

Become a Cyber-Security Expert

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To protect the organizations from security breaches and data attacks, Cybersecurity professionals are present in every company or industry. There is a high demand for cybersecurity professionals which is growing continuously. Cybersecurity job position has grown tremendously fast as compared to other IT job roles in the market. This field involves various career paths before you choose one for you. Few of them are

  • Security Consultant
  • Security Architect
  • Chief Information Security Officer (CISO)
  • Penetration Tester/Ethical Hacker

What do you mean by a Cyber-Security Specialist?

The Cybersecurity expert program consists of specialists play a major role in securing the information systems by detecting, monitoring, analyzing, investigating and responding to security events. These cybersecurity specialists also safeguard the systems from threats, risks, etc. These specialists work in teams and are dedicated to secure the integrity of the network and data in the business. The increasing success rate of cyber-security specialist has turned this profession into a necessity over luxury.

Tips to become a Cyber Security Expert

Img source: thenextweb.com

To become a Cybersecurity expert, one needs to have a problem-solving attitude with strategies of creating solutions. This profession includes a set of activities such as building, designing and implementing network along with creating difficult security structures and able to make it function properly.

  • One needs to earn a bachelor’s degree in Information technology, computer science, cybersecurity or a related field.
  • One needs to enter the IT field as a systems administrator, network administrator or security administrator,
  • One needs to be promoted to a mid-level role as an analyst or a security engineer
  • One need to enter a security architect role.

Benefits of getting into Cyber Security certification

There are few benefits of getting into cybersecurity; they are as follows

  • The unlimited growth – Cybersecurity shows the ultimate growth potential in the market with an ever-expanding scope. This is beneficial for one’s career path as well as the learning opportunities. This skill set is linked to all the other skills sets in IT. A cybersecurity professional would grasp as much as possible on how the organization and technologies work.
  • Growth varieties – The growth of opportunities is tied to a variety of technologies and the situation that security professionals need to deal with. If there is the usage of zero, it is the case of cybersecurity component, and some roles even extend to physical security. These security professionals get the chance to work with direct teams on various technologies and systems which they have never dreamt of. The variety is near to infinite as it includes robots to cars to the websites that serve millions of users.
Img source: thinkrcg.com
  • Puzzle solving activity – Once you add together the technology growth and varieties, you can imagine the variations of puzzles that a cybersecurity professional has to deal with. In cybersecurity, first preference is generally given to the tried and tested principles, but the problem-solving tactics and always change. However, there is always a new puzzle which needs to be solved by the cybersecurity professional.
  • Real impact in the job – Cybersecurity is not an easy job which everyone can aim for; it matters to be a cybersecurity profession. The impact is beyond the digital world and into the physical world. This is the highlight of importance and a terrifying and exciting prospect at the same time.
  • Start learning– Cybersecurity has two logical advantages for a strong and better career: it has low to no unemployment, and a solid compensation

What do the Cyber-Security courses include?

Simplilearn showcased the Cyber Security expert program that helps the professional with the foundational, intermediate and advanced level of skills the leading certification courses which include CEH, CISM, CompTIA Security+, CCSP, and CISSP. This program begins with the introduction of cybersecurity training skills and proceeds to advanced level of cybersecurity technologies, such as penetration testing techniques, reverse engineering and so on.

Img source: tobiasandtobias.com
  • Implementing technical strategies, tools, and techniques to safeguard the data and information for the organization
  • Stick with the ethical security behavior for mitigation and risk analysis.
  • Understanding the security of cloud computing architecture in details.
  • Understand the legal requirements along with the privacy issues and audit process methodologies.
  • Focus on IT compliance to establish IT framework to secure the enterprises.

These were some of the benefits to learn about Cybersecurity expert programs to become a professional cybersecurity analyst and to achieve the expertise about security programs. Simultaneously, these security programs also help you in learning the importance and the necessity of having Cybersecurity in a firm. As every firm are exposed to risks, learning cybersecurity programs will help you in implementing proper controls in place and mitigate all sorts of risks involved in processing data. You can research online as well as you can contact an expert or a profession who has expertise in handling cybersecurity teams.

Database Testing: What is it and How can it Help?

The database testing service will allow minimizing risks when the system is put into commercial operation. You can check in advance the correctness and safety of the database.

In the process of testing the database, the operation of the application database is checked for compliance with functional and non-functional requirements. Applications that include a database in their architecture require a database testing procedure, for example, corporate information systems, mobile and web applications.

Database Performance Testing

According to Enteros.com, database performance testing is a decisive factor in the effectiveness of managerial and commercial applications. If searching or writing data is slow, the ability to run the application usually falls. There is only one way to find out the cause of poor performance – to make quantitative measurements and determine what is causing the performance problem.

The problems of identifying bottlenecks in database performance are directly related to metrics, performance measurement methods and the technology for their implementation. For large corporations and large databases, the problem of determining database performance has another critical aspect: the definition of IT infrastructure for the long-term commercial operation of applications. This ultimately leads to a more accurate determination of the initial investment in hardware and necessary software. Since the high performance of the database is highly dependent on the platform and equipment, and they are purchased and operated for the long term.

Img source: lynda.com

The most important metrics for measuring DB performance are:

  • the number of transactions over a period of time (various types of transactions);
  • the number of I/O operations (read lines) per transaction and its execution time;
  • the number of rows reads for each table per transaction;
  • SQL statements high working cost CPU usage time (user, system)
  • operator start and end time
  • the time to perform sorting operations (the number of sorts, the number of overflows of sorts, the time taken to perform sorts), the highest use of elapsed time and the least efficient use of indexes.

Memory usage metrics for pages of tablespaces and buffer pools (for reading data, for reading indexes), for performing sorting, for running utilities, for directories and cache memory packages, along with performance measurement metrics, are also important for effective access to according to.

What else to check when testing the database?

Data mapping

Make sure that the connections in the database correspond to the project documentation. For all CRUD operations, check that the corresponding tables and records are updated when the user clicks Save, Update, Search, or Delete from the application GUI.

ACID transaction properties

ACID transaction properties include atomicity, consistency, isolation, and strength. In the process of testing the database should check these four properties. This area requires more thorough testing if the database is distributed.

Img source: loginworks.com

Data integrity

Note that different application modules (for example, screens and forms) use the same data differently and perform CRUD operations. Therefore, you need to make sure that the last state of the data is reflected everywhere in the same way. The system should display updated values on all forms and screens. This is called data integrity.

The accuracy of business logic implementation

Today, databases are not just for storing records. They have become very powerful tools that provide developers with ample opportunities for implementing business logic at the database level. Examples of powerful database functions are “referential integrity,” relational constraints, triggers, and stored procedures. Thus, using these and many other features offered by the database, the developers implement business logic at the database level. The tester needs to make sure that the business logic is correct.

Laser Hair Removal – the benefits and side effects

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If you are sick of tweezing, shaving, or waxing in order to remove unwanted hair from your body parts, laser hair removal might be the best option that you should most certainly consider. This type of hair removal is one of the most common cosmetic procedures done around the world, and it sends highly concentrated light into your hair follicles. Hence, that light is absorbed by the hair follicles, that then destroy the hair.

The benefits of laser hair removal

source: goodhousekeeping.com

Lasers are quite useful when it comes to removing unwanted hair from your legs, arms, face, bikini zone, underarm, and other areas as well. And the benefits of it include:

  1. Precision – lasers selectively target dark, persistent hair, while leaving the surrounding skin undamaged. Hence, you will be able to get rid of the annoying hair and also get perfectly ready for the summer season.
source: medicalnewstoday.com
  1. Speed – each laser pulse takes a fragment of a second to treat multiple hairs at the same time. It can treat a specific area that is the size of a quarter every second, smaller areas can be treated in less than a minute, and larger area, such as your legs or back can sometimes, take up to an hour. You can also do this at home. There are various products available, such as the Lumin-Care hair removal laser that can be used at home.
source: beaconfaceanddermatology.ie
  1. Predictability – most people that have done the laser removal treatments an average of three to seven sessions, experience permanent hair loss. Hence, you will be pleased with the end results, since you will no longer have to worry about getting your body ready for the summer season, a dress, or a shorter skirt.

How to prepare for a treatment

source: skincaregurgaon.com

Laser hair removal is more than just eliminating unwanted hair. If you are considering to get laser hair removal, you should stop or limit waxing, plucking, or shaving for six weeks before the treatment. This needs to be done since the laser targets the root of the hair, which is usually removed by plucking or waxing. You should also avoid too much Sun exposure for 4 to 6 weeks before and after the treatment because the Sun ways will make the procedure less effective.

What to expect during the treatment

Just before the treatment is done your hair will be trimmed and the laser equipment will be tuned in order to fit the thickness, color, and location of the hair being targeted. Depending on the light used, you and the person performing the treatment might have to wear eye protection. It will also be required of them to protect the outer layers of the skin with a cold gel pack. This will help the light enter the skin more easily. After that, the medical technician will send a pulse of light to the specific area and they will check it for a few minutes in order to make sure that the setting is right for your skin, as well as to check for bad reactions. When the whole procedure is done, they will maybe give you ice packs, anti-inflammatory creams, or cold water in order to ease the uncomfortable feeling you might feel. You will get the treatments until the hair stops growing.

The recovery and risks

source: stonecreekwellness.com

For one or two days after the treatment, your skin might look like it has been sunburned. If you want to, you could use moisturizer and cool compressions to ease the feeling.

Conclusion

If you want to permanently remove unwanted hairs from specific areas of your body, you should consider getting a hair removal treatment.

How Netflix Uses Big Data

Netflix doesn’t just use big data, it harnesses it with spectacular efficiency and accuracy.

Just consider this: in 2006, Netflix announced a competition for coming up with an algorithm for predicting what movies a user would enjoy, based on his/her movie preferences. Not only did they pay the winner $1 million, but the algorithm was a success – it improved their recommendation system by 10%.

However, to everyone’s dismay, Netflix never actually used it, as “the additional accuracy gains that we measured did not seem to justify the engineering effort needed to bring them into a production environment.”

This just goes to show how high Netflix’s standards are when it comes to using big data efficiently. Another even more eloquent example of that, which we’ll explore in more detail below, is the $100 million-investment, unprecedented for Netflix, which they in the series A House of Cards, based almost entirely on data rather than plot.

How Netflix Obtains Big Data

source: bbc.co

According to CNN, Netflix now has 139 million subscribers, and it makes each and every one of them count.

“There are 33 million different versions of Netflix,” Joris Evers, Director of Global Communications, once said.

What he means by that is one user’s experience can be entirely different from another’s, and that’s because Netflix’s goal is to tailor that experience as closely as possible to the individual viewer’s preferences. The closer the match, the happier the user, the longer he’ll stay with the service.

How Big Data Works for Netflix Compared to Television Networks

Professor of Big Data at the JCU Online explains, “To give you a slightly abstract idea, let’s say both Netflix and TV networks have a “persona” in place that represents their average customer, a persona they strive to cater to.

While TV networks might have an idea of that persona’s preference in genres and when is the persona more likely to watch, Netflix knows the persona’s favorite actors, directors, settings in terms of time periods and locations; preference in programs’ age; when the persona watches series and when films; how much time does the persona spend watching per sitting, when does the persona rewind or fast-forward, etc. and etc.”

In short, because Netflix is an online service, all its data is exact rather than based on samples of viewers, unless we’re talking about surveys, and even then, the results are far more accurate since the platform has much more reference points and noticeable trends.

Once the Credits Start Rolling…

source: oqz.com

The analysis of big data has let Netflix in on a little, big secret: their viewers are likely to disengage from the platform once the credits of the film/series/program they’ve just watched start rolling. They might feel like having a break, doing something else, and a hundred of other things outside Netflix.

So, once the credits start rolling, the battle for viewers’ fleeting attention begins. If Netflix manages to re-capture it before it flies away to something else, their subscribers will ultimately spend more time on Netflix. And the more time they spend on it, the less likely they’ll be to unsubscribe.

In fact, Netflix most likely has quite a specific target for the amount of hours their subscribers need to spend on their platform in order to be the least likely to unsubscribe.
So, how does Netflix get viewers to keep watching and even engage in the infamous binge-watching?

Auto-Playing Next Episodes and Recommendations

source: lifehacker.com

Those two features, like any Netflix feature for that matter, are anything but random.
When we’re watching series, there’s always this delicate moment of hesitation, when everything hangs in the balance. You’re asking yourself the ultimate question: “To watch, or not to watch another episode?”

Netflix’s auto-play feature capitalizes on this moment and does its best to take the choice away from you. Before you know it, the next episode is already playing. It’s like it’s almost meant to be. It may sound too simple, but in many cases, that’s all it takes to get us to indulge.

Research has even shown that we’re inherently wired to binge-watch, all we need is a little nudge.

And even if viewers openly intend to watch another film or ha, they would normally have to start searching for another movie/program. The process is often long, arduous, and often even worse – thankless. After a while, users might give up and just do something else. If that happens a few times over a certain period of time, they’ll be much more likely to cancel their subscription.

Here is where Netflix’s recommendation algorithm comes in, and considering that roughly 75% of Netflix viewing is driven by it, it definitely seems to be doing a good job.

One of the small, big ideas, credited for the algorithm’s success rate, is the implementation of the thumbs up/thumbs down rating system in place of the 1-5 stars rating system, in addition to the myriad of other factors that weigh in the recommendation, like the ones, mentioned above, and the ones that you can read below.

The House of Cards Case

source: thatericalper.com

As mentioned in the beginning, Netflix made an unprecedented for them investment, outbidding the likes of HBO and AMC, for the rights for a U.S. version of House of Cards. Spending over $100 million for 2, 13-episode seasons, this was a huge business move for Netflix, but that’s precisely what it was – a highly strategic move, not a risk.

Investing in an original series is always a risk – there are so many factors that interplay to determine success, like the script, the director’s vision and execution, actors’ performance, etc. But those factors didn’t concern Netflix one bit.

source: psmag.com

Instead, they looked at the data. First, the British version of House of Cards was a success. More importantly, a lot of Netflix’s subscribers:

– had watched The Social Network, directed by David Fincher who also directed House of Cards, from beginning to end.
– who had watched the British House of Cards also watched movies with Kevin Spacey and ones, directed by David Fincher.

Steve Swasey, VP of Corporate Communications, says it all in an interview for Gigaom:

“We can look at consumer data and see what the appeal is for the director, for the stars, and for similar dramas.”

House of Cards went on to becoming a huge success and has come to epitomize the tremendous power of big data when used right.

Apple’s New Credit Card – A Revolution in Banking?

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Fintechs have been trying for years to relegate banks to mere infrastructure companies, but so far had little success. The reason for this was that they were just too small to have a decisive impact on the sector. That is why banks were closely monitoring Amazon, which is big enough to cause them trouble. While they were doing that, Apple quietly pulled a coup.

In association with Goldman Sachs, the tech giant has taken advantage of all the weakness of the current system in order to create its own. Backed up with the most loyal customer base in the world, it launched a product that has been a sole purview of banks until now.

“Apple is not a small finch,” says David Murphy, SVP EMEA & APAC Banking Lead, Publicis Sapient. “They can put pressure on pricing and steal significant share.”

That is why the launch of the Apple card got more attention than all fintech news in the last few years combined.

Apple has been built on innovation and is the original fintech company. Everything they do comes with a hefty dose of innovation and change and their card will be the same.

Img source: proactiveinvestors.co.uk

“Apple has re-engineered everything we have come to know about the entire [credit card] experience,” says analyst Brian Roemmele.
Apple saw a chance to completely rehaul and rethink the card experience and they jumped on it, but it would seem their plans don’t end there. They do have some other, bigger ambitions in their sleeve.

“Everyone’s looking at this and comparing credit card to credit card,” Forrester Research Principal Analyst Alyson Clarke states. “It’s not about that. It’s the start of a relationship and a very different way of banking — digital from the ground up. It’s more secure and it’s about helping you improve your financial position. I completely expect to see Goldman and Apple extend this relationship into a day-to-day banking product where you can put your salary and pay your bills with a savings product. That should scare a lot of banks including a lot of the digital banks.”

Issued by Goldman Sachs, Apple Card will be on market this summer. It is a virtual card that will run on Mastercard network and it can be used online, in apps and in all stores that accept Apple Pay, which is 70% of all stores in the United States, according to Apple.

It will also double as a financial coach, drawing from success Apple had with its Health app. It will encourage customers to pay less interest and provides them with a better understanding of long-term cost. It will also give them weekly and monthly summaries on their spending, with categories for each payment. The card won’t have a minimum payment and it will be based on a monthly cycle.

via GIPHY

 

Apple card will have a 2% cash back on every transaction, which is about the average cash reward. Payments made directly to Apple will have a 3% cash back. Instead of giving huge cash rewards, Apple and Goldman Sachs decided to give their customers something called Daily Cash. This reward is paid directly to Apple Wallet and can be used to reduce the card balance or for purchase. You can even send it someone via Apple Pay Cash. This is a unique feature no other card is offering. “No one pays daily cash rewards that are instantly redeemable,” Richard Crone said in a LinkedIn blog.

Apple has paid special attention to security. The use of the card is authenticated by facial ID or fingerprint. Apple doesn’t get to see transaction details since all of them are happening on the phone and not on company servers. Both Apple and Goldman Sachs have committed to not selling cardholders’ data to anyone. In today’s day and age, this is something many customers will find appealing.

In line with its branding strategy and product design, Apple has achieved that a simple credit card looks breathtaking. It’s sleek and minimalistic design reflects the Apple brand perfectly. It is made of titanium, with laser-etched user’s name and Apple logo. The physical card will be used wherever Apple Pay is not yet accepted, which won’t be many places. The metal card probably won’t be free, but many would gladly pay to have it and flash it around.

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