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132 years ago, American Herman Hollerith patented a mechanical tabulating machine and thus launched the beginning of data processing. In 2016, global internet traffic will surpass one zettabyte. That’s 1 billion terabytes worth of data, or 1 trillion gigabytes. While the explosion of data usage continues, we scour the internet to find the best bytes, bits and information nuggets just for you.

Banking’s forgotten generation? “While usage has generally increased from year to year for all age groups, the rate of growth has been the highest for the older segments, who were slower to adopt mobile banking initially. In fact, given the size of the demographic segment, the 50+ cohort provides one of the last great targets for growth of mobile and online banking.”

The power of designing products for customers you don’t have yet. “Getting innovation right doesn’t have to be a crapshoot. When you deeply explore what consumers are actually trying to achieve, opportunity may appear where none seemed possible. With that shift in perspective, you can often predict, confidently, what products or services consumers are likely to hire to accomplish their job to be done.”

Ideacide: The perils of self-censoring. “The next time you find yourself censoring your thoughts and protecting your unborn idea from potential rejection by killing it yourself, talk to yourself as an objective advisor would. Jot down reasons why your idea might not get rejected. Then jot down three good things that might happen even if it does.”

Why it pays to be grumpy and bad-tempered. “Being bad-tempered and pessimistic helps you to earn more, live longer and enjoy a healthier marriage. It’s almost enough to put a smile on the dourest faces.”

How to eliminate bullshit work. “Research shows that illegitimate tasks can produce a host of deleterious effects on employee health and well-being, including increased burnout, work-family conflict, work-related depression, and levels of the stress hormone cortisol, as well as reduced subjective well-being, sleep quality, job satisfaction, and self-esteem. Illegitimate tasks make work miserable.”