Artificial intelligence and robotics have enjoyed a resurgence of interest, and there is renewed optimism about their place in our future. Machine Learning has become a hot topic when it comes to fraud prevention, algorithms already help optimizing investment decisions and chat bots might revolutionize customer service one day. One thing is sure: human ingenuity and creativity remain extremely valuable and constant learning will be required to stay on top of new developments in technology: Should Banking build an Internet of Things (IoT) Strategy? "While the direct impact of IoT may seem far in the future, many components are upon us already (invisible payments, smart home integration, virtual and augmented reality). Building a plan is essential as the Internet of Things gains traction and begins to impact consumers more and more over the next three to five years." Arming Credit Unions in the Fight Vs. Fraud. Interesting interview with CO-OP’s fraud expert and analyst, John Buzzard, sharing insights into the state of fraud and security in the credit union space. Intriguing approach: The power of positive surveying  "Open-ended positive solicitations may assist in reframing less than stellar customer experiences." Digital Disruption and the Wile E Coyote effect. “Nokia and Blackberry were skating to where the puck was going to be, and felt nice and fast and in control, while Apple and Google were melting the ice rink and switching the game to water-skiing.” Your brain in poverty: Why poor people seem to make bad decisions. "All the data shows it isn't about poor people, it’s about people who happen to be in poverty. All the data suggests it is not the person, it's the context they’re inhabiting.”