AI Art Keywords

AI Art Keywords — independent reviews, comparisons, pricing and step-by-step guides on Aizhi.

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  Agent-assisted automation

  Agent-assisted automation is a type of call center technology that automates elements of what the call center agent 1) does with his/her desktop tools and/or 2) says to customers during the call using pre-recorded audio. It is a relatively new category of call center technology that shows promise in improving call center productivity and compliance. == Types of agent-assisted automation == === Pre-recorded audio === Pre-recorded audio (sometimes referred to as soundboard (computer program) or as soundboard technology) is another form of agent-assisted automation. The purpose of using pre-recorded messages is to increase the probability (and in some cases error-proof the process so) that the right information is provided to customers at the right time. The required disclosures are pre-recorded to ensure accuracy and understandability. By integrating the recordings with the customer relationship management software, the right combination of disclosures can be played based on the combination of goods and services the customer purchased. The integration with the customer relationship management software also ensures that the order cannot be submitted until the disclosures are played, essentially error-proofing (poka-yoke) the process of ensuring the customer gets all the required consumer protection information. Phone surveys are ideal applications of this technology. Whether surveying market preferences or political views, the pre-recorded audio with an agent listening allows the questions to be asked in the same way every time, uninfluenced by the agents' fatigue levels, accents, or their own views. === Fraud prevention === Fraud prevention is a specialized type of agent-assisted automation focused on reducing ID theft and credit card fraud. ID theft and credit card fraud are huge threats for call centers and their customers and few good solutions exist, but new agent-assisted automation solutions are producing promising results. The technology allows the agents to remain on the phone while the customers use their phone key pads to enter the information. The tones are masked and the information passes directly into the customer relationship management system or payment gateway in the case of credit card transactions. The automation essentially makes it impossible for call center agents and also call center personnel that might be monitoring the calls to steal the credit card number, social security number, or other personally identifiable information. === Outbound telemarketing === Another specialized application space of agent-assisted automation is in outbound telemarketing, which goes under numerous headings including outbound prospecting, cold calling, solicitation, fund-raising, etc. Turnover is high among agents engaged in this kind of work because the task is tedious and emotionally difficult. It is tedious because the agent spends the bulk of their day, not talking to qualified leads, but in getting wrong numbers and answering machines. == Benefits == Just as automation has benefited manufacturing by reducing the mental and physical effort required of workers while simultaneously improving throughput, quality, and safety, agent-assisted automation is improving call center results while reducing the tiring aspects of the job for agents. In some cases, the agent-assisted automation streamlines the process and allows calls to be handled more quickly. By eliminating cutting and pasting from one application to another, by auto-navigating applications, and by providing a single view of the customer, agent-assisted automation can reduce call handle time and increase agent productivity. Second, in theory, the more steps that can be automated and the more logic that can be built into the call flow (e.g., if the customer buys items 2 and 9, then disclosures a, c, and f are read by the pre-recorded audio), then companies may be able to reduce the amount of training that is required of the agents while at the same time ensuring more consistency and accuracy. However, no published studies have reported this result yet. But an even larger problem in call centers is between-agent variation in behavior and results. Agents differ in the amount of training and coaching they receive, they differ in the amount of experience they have, their jobs are repetitious and tiring, and the process and procedures the agents are supposed to follow constantly change. Moreover, there are significant individual differences between agents in their intelligence, personality, motivations, etc. which all affect performance. Despite the large amount of money call centers have spent over decades trying to reduce between-agent variation, the problem is still so prevalent that one large study of customer interactions with call centers found that a customer's experience was completely a function of the quality of the agent who happened to answer the phone. Therefore, the most significant benefit of agent-assisted automation may prove to be in how the automation error-proofs or poka-yoke the process and ensures that something that needs to be done or said happens every time. Properly implemented, the between-agent variation for whatever step of the process the automation is applied to may be able to be reduced to near zero. This is especially important in a collection agency whose processes and procedures are closely regulated by the Fair Debt Collection Practices Act.

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  Storyful

  Storyful (stylized as storyful.) is a social media intelligence company headquartered in Dublin, Ireland that is a subsidiary of News Corp, offering services such as social news monitoring, video licensing, and reputation risk management tools for corporate clients. The startup was launched as the first social media newswire, a content aggregator, verifying news sources and online content in Dublin in 2010 by Mark Little, a former journalist with RTÉ News. Storyful was acquired by News Corp in 2013 for USD$25 million. == Background == Mark Little, who had worked as a television journalist for RTÉ One, founded startup Storyful in Dublin, Ireland, in 2010, as a service that "verified news sources and online content". According to Nieman Lab, Storyful had a reputation for content aggregation as a social news agency—finding, verifying, distributing, licensing, and commercializing user-generated content, social media and online content from social networking services, including videos about stories in the news, such as the Syrian Civil War, Arab Spring protests, as well as "smaller viral moments". Storyful aimed to provide authority through its verification and monitoring tools while providing authenticity through user-generated content. On 20 December 2013 News Corp purchased Storyful for US$25 million and opened a New York office in the same building as Fox News' main studios. Little left Storyful in 2015 and Gavin Sheridan, Storyful's director of innovation left in 2014. News Corp CEO Robert Thomson said that through Storyful, News Corp would "define the opportunities that the digital landscape presents, rather than simply adapt to them." After the acquisition, the company expanded its service to include "commercial and creative work". After Murdoch acquired the company, from 2014 through to February 2018, losses "swelled", requiring a series of cash injections from News Corp. During that time the company expanded aggressively globally with a staff of about 200 worldwide up from about 30 in 2014. According to The Guardian, in 2016, journalists were encouraged by Storyful to use the social media monitoring software called Verify developed by Storyful. By installing Verify's web browser extension on their computers, Verify would inform the journalists when social media content had been "verified and cleared". The Guardian revealed that through the Verify plugin, dozens of staff in four offices had access to the journalists browsing activity without them knowing. This data allowed Storyful to actively monitor its own clients' activities on social media and to "turn it into an internal feed" at Storyful that "updates in real time". In November 2018, when a video circulated by Infowars' Paul Joseph Watson appeared to prove that CNN's Jim Acosta's contact with a White House intern was a physical blow, Storyful was able to prove that the 15-second-long clip had been doctored. According to a 21 January 2019 article in CNN Business, Rob McDonagh, the editor of Storyful's U.S. news team, had proven that one of the viral videos that served as catalysts in the January 2019 Lincoln Memorial confrontation at 18 January 2019 Indigenous Peoples March, was posted by a suspicious account, under the handle @2020fight. McDonagh's team validates videos and posts before adding them to their "digest", distinguishing true stories from those that are not. Storyful attempts to validate each post or video before including it in its digest. McDonagh reviewed previous content from @2020fight's account, and found it suspicious because it had a high follower count, a "highly polarized and yet inconsistent political messaging", an "unusually high rate of tweets", and "the use of someone else's image in the profile photo." reporter Donie O'Sullivan said that the @2020fight video that had been posted on 18 January, which had 2.5 million views by 22 January, was the one that "helped frame the news cycle". Currently the website offers a service by which video can be commercially brokered. == Services == Services include a newswire service—one of their "core pillars"—and social news monitoring. By February 2018, Storyful was developing "risk and reputation monitoring" services through which they would source and verify social news, fact-checking it and contextualising it for corporate clients. They were "developing tech tools" to "explore obscure or closed networks" for their intelligence team. can use to explore obscure or closed networks. They "track deviations in social conversations around brands and organisations and catch potential risks before they blow up. Like an alerts system." The company "released a re-booted version of its Newswire platform in 2018. According to FORA, Storyful was developing new tools to combat fake news online. == Clients == When Storyful was acquired by News Corp in 2013, the company already had the Wall Street Journal, the BBC, New York Times, YouTube, ITN and Channel 4 News as clients. By 2018 their clients included CNN, ABC News and Fox News, The New York Times, the Washington Post, in the United States, the Australian Broadcasting Corporation and all of News Corp’s own publications. Most of their "reputation-conscious corporate customers" clients prefer to not be named.

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  Stegomalware

  Stegomalware is a form of malicious software that leverages steganography techniques to conceal its code, configuration data, or command-and-control (C&C) communications within seemingly benign digital media such as images, audio files, videos, documents, or network traffic. It typically embeds encrypted or obfuscated payloads into digital media and only extracts and executes them at runtime, which makes traditional signature-based and sandbox-based detection significantly more difficult. Stegomalware has been observed in attacks ranging from advanced persistent threats (APTs) to financially motivated cybercrime, and is now the subject of dedicated academic surveys, research projects, and international law-enforcement initiatives. The key distinction between stegomalware and traditional obfuscated malware lies in the encoding location. After obfuscation, malicious code remains present within the executable and can theoretically be discovered through static analysis. In contrast, stegomalware hides the payload entirely within a cover medium (image, audio, etc.), remaining invisible until the malware dynamically extracts and executes it at runtime. == History == The term stegomalware was formally introduced by researchers Águila, Laskov, and others in the context of mobile malware and presented at the Inscrypt (Information Security and Cryptology) conference in 2014. This marked the first academic formalization of the concept, though earlier work had already identified that botnets and mobile malware could use steganography and covert channels for command-and-control communication over probabilistically unobservable channels. Since its introduction, stegomalware has evolved from a theoretical concern to a documented threat. In 2011, the APT operation known as "Operation Shady RAT" became one of the first documented cases of stegomalware in the wild, using digital images to hide Internet Protocol addresses and command-and-control server addresses. The same year, the Duqu malware (targeting industrial manufacturers) embedded victim data into JPEG image files before exfiltration, making the data transfer virtually undetectable to network-level security tools. From 2014 onwards, stegomalware became more prevalent in organized cybercrime and advanced persistent threat campaigns. Notable examples include Zeus/Zbot, which masked configuration data in images; Gatak/Stegoloader, which hid shellcode in PNG files; TeslaCrypt, which embedded C&C commands in JPEGs; and Cerber, which concealed ransomware payloads within images. By the 2010s, stegomalware had become established as a preferred evasion technique for espionage, financial theft, and ransomware distribution campaigns. Recent surveys (2020–2025) document that stegomalware has increasingly been exploited by adversaries targeting banks, enterprises, government agencies, educational institutions, and internet users via malvertising campaigns. The technique is now considered a sophisticated method of attack worthy of dedicated international law-enforcement attention. == Technical Characteristics and Definitions == Stegomalware operates through a three-component architecture: Stegotext (R): An innocent-looking digital asset (image, audio file, etc.) into which the malicious payload is embedded. Secret key (sk): A key used by the embedding and extraction algorithms, typically hardcoded into the malware. Payload (p): The actual malicious code, configuration data, or C&C commands hidden within the stegotext. The malware extracts the payload at runtime using the secret key and either executes it directly or uses it to download additional stages of the attack. Stegomalware can be classified into several types based on deployment method: Type 0 (Autonomous): Both the stegotext and extraction algorithm are embedded within the malware application itself. The malicious payload is extracted and executed locally without external communication. Type I (Update): The stegotext and secret key are downloaded from a remote server at runtime; only the extraction algorithm is included in the malware. This variant is more flexible, allowing attackers to push updated payloads. Type II (External Algorithm): Neither the stegotext nor the extraction algorithm are distributed with the malware; both are fetched from an attacker-controlled infrastructure, providing maximum flexibility and evasion. == Steganography techniques == === Spatial domain methods === Stegomalware predominantly uses steganographic methods designed for images, as images are the most common cover medium in the wild. The most basic spatial domain technique is Least Significant Bit (LSB) substitution, which replaces the least significant bits of pixel color values with payload bits. While simple and easy to implement, LSB is also relatively easy to detect through statistical analysis. More sophisticated spatial domain techniques include: HUGO (High Undetectable steGO) (2010): Minimizes detectable distortion by distributing the payload across multiple pixels, achieving embedding capacity with reduced statistical footprint. WOW (Wavelet Obtained Weights) (2012): Embeds data preferentially in textured regions of images where modifications are less perceptually noticeable. UNIWARD (Universal Wavelet Relative Distortion) (2014): Uses a universal distortion function applicable to multiple image formats, balancing payload capacity with undetectability. HILL (2014): Applies high-pass and low-pass filters to identify robust embedding regions. MiPOD (Minimizing the Power of Optimal Detector) (2016): Designed to minimize the power of theoretical optimal steganalysis detectors. === Transform domain methods === Transform domain techniques convert images into the frequency domain (e.g., using DCT or DWT) before embedding, allowing for more robust hiding in JPEG and other compressed formats: Embedding in DCT coefficients (used in JPEG compression) Embedding in DWT coefficients (used in lossless formats) Spread spectrum techniques, which distribute the payload across many frequency components Transform domain methods are generally more resistant to noise, compression, and image transformations than spatial methods. === Generative adversarial network (GAN) methods === Recent advances in machine learning have introduced GAN-based steganography, where a generative model produces stego images that minimize detectable artifacts: SGAN (Steganographic GAN) (2017): First GAN applied to steganography, using a generator, discriminator, and steganalysis network. ASDL-GAN (2017): Performs automatic steganographic distortion learning at the pixel level. SteganoGAN (2019): Improves upon earlier GAN models, achieving higher embedding capacity and robustness. HiGAN (Hiding Images GAN) (2020): Enables hiding one image within another while maintaining visual plausibility. GAN-based approaches are more resilient to standard steganalysis attacks but remain an emerging threat requiring further research. == Notable malware campaigns == Stegomalware has been documented in numerous high-profile cyber attacks and campaigns. Notable examples include: Operation Shady RAT (2011): Used digital images to hide command-and-control server addresses in targeted espionage. Duqu (2011): Embedded victim data into JPEG files to exfiltrate industrial control system information. Zeus/Zbot (2014): Masked banking configuration data inside JPEG files exploited via malvertising. Gatak/Stegoloader (2015): Hid shellcode in PNG files for software licensing attacks and bot command execution. TeslaCrypt (2015): Embedded C&C commands and ransomware keys in JPEG images. Cerber (2016): Concealed executable ransomware code in JPEG files distributed via phishing. DNSChanger (2016): Embedded malicious code in PNG files for DNS hijacking campaigns. Sundown Exploit Kit (2017): Distributed exploit code in PNG files via malvertising. AdGholas (2017): Used JPEG steganography to distribute ransomware via malvertising. Synccrypt (2017): Hidden ransomware components in JPEG-steganographic encrypted archives. ZeroT/PlugX (2017): Hid Remote Access Trojan payloads in BMP files for espionage. Loki Bot (2018): Concealed malware installers in JPEG and video files. Waterbug (APT28) (2019): Injected malicious DLLs into WAV audio files. Shlayer (macOS adware) (2019): Hid malicious URLs in JPEG files via malvertising. === Attack vectors === The most common attack vectors for stegomalware include: Phishing emails with malicious attachments or links Malvertising campaigns using malicious banner advertisements Exploit kits through compromised or malicious websites Legitimate application vulnerabilities (e.g., watering-hole attacks) Fake software distribution (cracked software, keygen tools) === Exploitation stages === Stegomalware typically serves one or more roles in attack lifecycles: Payload delivery: Stego images contain full executable code or shellcode. C&C communication: Hidden data contains server addresses or command instructio

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  Completeness (cryptography)

  In cryptography, a boolean function is said to be complete if the value of each output bit depends on all input bits. This is a desirable property to have in an encryption cipher, so that if one bit of the input (plaintext) is changed, every bit of the output (ciphertext) has an average of 50% probability of changing. The easiest way to show why this is good is the following: consider that if we changed our 8-byte plaintext's last byte, it would only have any effect on the 8th byte of the ciphertext. This would mean that if the attacker guessed 256 different plaintext-ciphertext pairs, he would always know the last byte of every 8byte sequence we send (effectively 12.5% of all our data). Finding out 256 plaintext-ciphertext pairs is not hard at all in the internet world, given that standard protocols are used, and standard protocols have standard headers and commands (e.g. "get", "put", "mail from:", etc.) which the attacker can safely guess. On the other hand, if our cipher has this property (and is generally secure in other ways, too), the attacker would need to collect 264 (~1020) plaintext-ciphertext pairs to crack the cipher in this way.

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  Pandemonium architecture

  Pandemonium architecture is a theory in cognitive science that describes how visual images are processed by the brain. It has applications in artificial intelligence and pattern recognition. The theory was introduced by the artificial intelligence pioneer Oliver Selfridge in his 1959 paper "Pandemonium - A Paradigm for Learning". It describes the process of object recognition as the exchange of signals within a hierarchical system of detection and association, the elements of which Selfridge metaphorically termed "demons". This model is now recognized as the basis of visual perception in cognitive science. Pandemonium architecture arose in response to the inability of template matching theories to offer a biologically plausible explanation of the image constancy phenomenon. Contemporary researchers praise this architecture for its elegancy and creativity; that the idea of having multiple independent systems (e.g., feature detectors) working in parallel to address the image constancy phenomena of pattern recognition is powerful yet simple. The basic idea of the pandemonium architecture is that a pattern is first perceived in its parts before the "whole". Pandemonium architecture was one of the first computational models in pattern recognition. Although not perfect, the pandemonium architecture influenced the development of modern connectionist, artificial intelligence, and word recognition models. == History == Most research in perception has been focused on the visual system, investigating the mechanisms of how we see and understand objects. A critical function of our visual system is its ability to recognize patterns, but the mechanism by which this is achieved is unclear. The earliest theory that attempted to explain how we recognize patterns is the template matching model. According to this model, we compare all external stimuli against an internal mental representation. If there is "sufficient" overlap between the perceived stimulus and the internal representation, we will "recognize" the stimulus. Although some machines follow a template matching model (e.g., bank machines verifying signatures and accounting numbers), the theory is critically flawed in explaining the phenomena of image constancy: we can easily recognize a stimulus regardless of the changes in its form of presentation (e.g., T and T are both easily recognized as the letter T). It is highly unlikely that we have a stored template for all of the variations of every single pattern. As a result of the biological plausibility criticism of the template matching model, feature detection models began to rise. In a feature detection model, the image is first perceived in its basic individual elements before it is recognized as a whole object. For example, when we are presented with the letter A, we would first see a short horizontal line and two slanted long diagonal lines. Then we would combine the features to complete the perception of A. Each unique pattern consists of different combination of features, which means those that are formed with the same features will generate the same recognition. That is, regardless of how we rotate the letter A, is still perceived as the letter A. It is easy for this sort of architecture to account for the image constancy phenomena because you only need to "match" at the basic featural level, which is presumed to be limited and finite, thus biologically plausible. The best known feature detection model is called the pandemonium architecture. == Pandemonium architecture == The pandemonium architecture was originally developed by Oliver Selfridge in the late 1950s. The architecture is composed of different groups of "demons" working independently to process the visual stimulus. Each group of demons is assigned to a specific stage in recognition, and within each group, the demons work in parallel. There are four major groups of demons in the original architecture. The concept of feature demons, that there are specific neurons dedicated to perform specialized processing is supported by research in neuroscience. Hubel and Wiesel found there were specific cells in a cat's brain that responded to specific lengths and orientations of a line. Similar findings were discovered in frogs, octopuses and a variety of other animals. Octopuses were discovered to be only sensitive to verticality of lines, whereas frogs demonstrated a wider range of sensitivity. These animal experiments demonstrate that feature detectors seem to be a very primitive development. That is, it did not result from the higher cognitive development of humans. Not surprisingly, there is also evidence that the human brain possesses these elementary feature detectors as well. Moreover, this architecture is capable of learning, similar to a back-propagation styled neural network. The weight between the cognitive and feature demons can be adjusted in proportion to the difference between the correct pattern and the activation from the cognitive demons. To continue with our previous example, when we first learned the letter R, we know is composed of a curved, long straight, and a short angled line. Thus when we perceive those features, we perceive R. However, the letter P consists of very similar features, so during the beginning stages of learning, it is likely for this architecture to mistakenly identify R as P. But through constant exposure of confirming R's features to be identified as R, the weights of R's features to P are adjusted so the P response becomes inhibited (e.g., learning to inhibit the P response when a short angled line is detected). In principle, a pandemonium architecture can recognize any pattern. As mentioned earlier, this architecture makes error predictions based on the amount of overlapping features. Such as, the most likely error for R should be P. Thus, in order to show this architecture represents the human pattern recognition system we must put these predictions into test. Researchers have constructed scenarios where various letters are presented in situations that make them difficult to identify; then types of errors were observed, which was used to generate confusion matrices: where all of the errors for each letter are recorded. Generally, the results from these experiments matched the error predictions from the pandemonium architecture. Also as a result of these experiments, some researchers have proposed models that attempted to list all of the basic features in the Roman alphabet. == Criticism == A major criticism of the pandemonium architecture is that it adopts a completely bottom-up processing: recognition is entirely driven by the physical characteristics of the targeted stimulus. This means that it is unable to account for any top-down processing effects, such as context effects (e.g., pareidolia), where contextual cues can facilitate (e.g., word superiority effect: it is relatively easier to identify a letter when it is part of a word than in isolation) processing. However, this is not a fatal criticism to the overall architecture, because is relatively easy to add a group of contextual demons to work along with the cognitive demons to account for these context effects. Although the pandemonium architecture is built on the fact that it can account for the image constancy phenomena, some researchers have argued otherwise; and pointed out that the pandemonium architecture might share the same flaws from the template matching models. For example, the letter H is composed of 2 long vertical lines and a short horizontal line; but if we rotate the H 90 degrees in either direction, it is now composed of 2 long horizontal lines and a short vertical line. In order to recognize the rotated H as H, we would need a rotated H cognitive demon. Thus we might end up with a system that requires a large number of cognitive demons in order to produce accurate recognition, which would lead to the same biological plausibility criticism of the template matching models. However, it is rather difficult to judge the validity of this criticism because the pandemonium architecture does not specify how and what features are extracted from incoming sensory information, it simply outlines the possible stages of pattern recognition. But of course that raises its own questions, to which it is almost impossible to criticize such a model if it does not include specific parameters. Also, the theory appears to be rather incomplete without defining how and what features are extracted, which proves to be especially problematic with complex patterns (e.g., extracting the weight and features of a dog). Some researchers have also pointed out that the evidence supporting the pandemonium architecture has been very narrow in its methodology. Majority of the research that supports this architecture has often referred to its ability to recognize simple schematic drawings that are selected from a small finite set (e.g., letters in the Roman alphabet). Evidence from these types of exper

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  Social media use in education

  Social media in education is the use of social media to enhance education. Social media are "a group of Internet-based applications...that allow the creation and exchange of user-generated content". It is also known as the read/write web. As time went on and technology evolved, social media has been an integral part of people's lives, including students, scholars, and teachers. However, social media are controversial because, in addition to providing new means of connection, critics claim that they damage self-esteem, shorten attention spans, and increase mental health issues. A 2016 dissertation presented surveys that focused on the impact of social media. It reported that 54.6% of students believed that social media affected their studies positively (38% agree, 16.6% strongly agree). About 40% disagreed, and 4.7% of students strongly disagreed. 53% of female students reported that social media negatively impacted their studies. Among male students, 40% agreed that social media had a negative impact on studies, while 59% disagreed. A 2023 article dives deep into the rewards system of the brain in response to social media. This study compares the social rewards system in our brain to those from social media. From ages 10-12, most are receiving a cell phone, social rewards in the brain start to feel more satisfying. Leading to adulthood, the effects of social rewards are less likely to feel reliant on feedback from peers. Equivalent to a more mature prefrontal cortex, this enables a better management of their emotional reaction to these social rewards, meaning a more balanced and controlled reaction. == History == A survey from Cambridge International of nearly 20,000 teachers and students (ages 12–19) from 100 countries found that 48% of students use a desktop computer in class, 42% uses phones, 33% use interactive whiteboards and 20% use tablets. Desktop computers are more used than tablets. Teachers were abandoning the "no phones at school" rule. A 2024 research survey through Common Sense Education reported 54% of age 8-12 and 69% of ages 13-18 social media is an extensive distraction from homework. === United States === The long-running technology boom accelerated after the millennium. As of 2018, 95% of US teenage students had access to a smartphone and 45% said they were online almost constantly. In the early days of social media, access to technology was a significant issue as many students did not own not compatible devices and school budgets were often insufficient to purchase devices for student use. Despite backlash, Missouri passed a law that prohibited teachers from communicating privately with students over social media in 2011. Supporters were concerned that online communication between underage students and faculty could lead to inappropriate relationships. Some schools adopted a "Bring Your Own Device" (BYOD) policy, allowing students to bring Internet-accessing devices, such as phones or tablets to class. During the pandemic, the federal government offered funds that allowed more schools to purchase devices. Over time, more students acquired phones with social media access. Personal devices increased student satisfaction, but reduced teachers' ability to control device use in their classrooms. A 2018 Pew Research study reported that 95% of teenagers had a phone and used social media consistently. === Canada === The Peel District School Board (PDSB) in Ontario accepted the use of social media in the classroom. In 2013, the PDSB introduced BYOD and unblocked many social media sites. That was later replaced by a policy that dealt specifically with social media. == Uses == === Classroom === In the classroom, social media offers a way to systematically distribute and gather information from students. Teachers can supply documents, and audio/video media to students for immediate or later use. One study on higher education reported that devices and social media: created opportunities for interaction provided occasions for collaboration sped up information access offered more ways to learn situated learning. Frustrations included anti-technology instructors, device challenges, and devices as a distraction. Social media in classrooms can have a negative effect. A Yale University publication reported that students who used laptops in class for non-academic reasons had poorer performance. Students spent most of their time on social media, shopping, and other personal activities. Social media has helped many educators mentor their students more effectively. === Outside of class === Social media offer a venue for video calls, stories, feeds, and game playing that can enhance the learning process. Teachers can utilize social media to communicate with their students. Social media can provide students with resources that they can utilize in essays, projects, and presentations. Students can easily access comments made by teachers and peers and offer feedback to teachers. Social media can offer students the opportunity to collaborate by sharing information without requiring face to face meetings. Social media can allow students to more easily connect with experts, to go beyond course materials. Instructors in a 2010 study reported that online technologies (social media) can help students become comfortable having discussions outside the classroom better than traditional means. Teachers may face some risk when using social media outside the classroom, without appropriate work rules. Studies explores how college students' engagement with social media platforms influences their communication preferences and habits, particularly in relation to using school email for academic purposes. === Professional development === Social media can aid professional development, as teachers become students, enhancing knowledge transfer, skill master, and collaboration. === Non-academic uses === Schools can use social media to make public announcements. Teachers and administrators can communicate other important information to parents and students and to receive feedback from them. Families can keep up with school events and policies. === Ecology education === The potential of using social media in ecological, nature and forest education include: virtual nature groups can help promote good habits in forest tourism and recreation (nature ethics), by entering general rules in the regulations by administrators, e.g. "DO NOT PICK UP PLANTS UNKNOWN TO US", which is to protects rare species from pointless picking. social media activity motivates people to learn about nature in the field, allows them to gain knowledge, dispels popular myths, enables contact with scientists and practitioners, promotes valuable literature, websites, and at the same time reveals distortions and substantive errors in popular news services. contact is not only virtual. Despite financial barriers and distance, Internet users organize nature conventions. Such meetings are an opportunity not only to make friends, but also to learn about nature together and have fun. the possibility of contact between scientists and nature lovers via Facebook has become a source of cooperation in species inventory, e.g. the online campaign of the NATRIX Herpetological Society, which consists not only of collecting reports of observations of the smooth snake by Internet users, but also of drawing attention to the biology and threats to this species. Social media has become a place where ecology education quickly reaches people of different ages and social statuses. The nature groups that have been created, in which nature lovers, biologists, foresters and scientists participate, can have a real impact on the state of knowledge and data collection through citizen science. == Apps and services == Social media can allow students to participate in their field by working with organizations outside the classroom. By offering easier access to peers outside the classroom, students can broaden their perspectives and find support resources. Social media aided learning outside of the classroom through collaboration and innovation. One specific study, "Exploring education-related use of social media," called this "audience connectors". Audience connectors bring students together while studying with WhatsApp and Facebook. This study reported that "60 percent [of students in the study] agreed that technology changes education for the better." While social media can promote a beneficial education platform, downsides exist. Students may become skilled at "lifting material from the internet" rather than enhancing their personal understanding. Another downside is student attention spans decline. A concern raised by the students of this study showed how many use spell-check as a crutch and will see a trend of points taken off when spell-check is not an option. Apps like X allowed teachers to make classroom accounts where students can learn about social media in a controlled context. Teachers can post assignments on th

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  VK (service)

  VK (short for its original name VKontakte; Russian: ВКонтакте, lit. 'InContact') is a Russian online social media and social networking service based in Saint Petersburg. VK is available in multiple languages but it is predominantly used by Russian speakers. VK users can message each other publicly or privately, edit messages, create groups, public pages, and events; share and tag images, audio, and video; and play browser-based games. As of August 2018, VK had at least 500 million accounts. As of November 2022, it was the sixth most popular website in Russia. The network was also popular in Ukraine until it was banned by the Verkhovna Rada in 2017. According to Semrush, in 2024, VK was the 30th most visited website in the world; as YouTube is subject to blocking in Russia, VK Video overtook Google's top position in monthly web traffic for the first time in December 2024, as part of the major substitution to domestic business. == History == VKontakte was conceived in 2006 when Pavel Durov, creator of the popular student forum spbgu.ru, met his former classmate Vyacheslav Mirilashvili in St. Petersburg after graduating from the Faculty of Philology at St Petersburg State University. Vyacheslav showed Durov the increasingly popular Facebook, after which the friends decided to create a new Russian social network. Lev Leviev, an Israeli classmate of Vyacheslav Mirilashivili, became the third co-founder. Vyacheslav Mirilashvili borrowed the money from his billionaire father and became the largest shareholder. Lev Leviev took over operational management, and Durov became CEO. Pavel Durov convinced his older brother Nikolai, a multiple winner of international math and programming competitions, to develop the site. Durov launched VKontakte for beta testing in September 2006. The following month, the domain name Vkontakte.ru was registered. The new project was incorporated on 19 January 2007 as a Russian private limited company. In February 2007 the site reached a user base of over 100,000 and was recognized as the second largest company in Russia's nascent social network market. In the same month, the site was subjected to a severe DDoS attack, which briefly put it offline. The user base reached 1 million in July 2007, and 10 million in April 2008. In December 2008 VK overtook rival Odnoklassniki as Russia's most popular social networking service. == Website == Similar to many social networks, the platform's fundamental features revolve around private messaging, sharing photos, posting status updates, and exchanging links with friends. VK also provides tools for administering online communities and managing celebrity pages. The site allows its users to upload, search and stream media content, such as videos and music. VK features an advanced search engine, that allows complex queries for finding friends, as well as a real-time news search. VK updated its features and design in April 2016. === Features === Messaging. VK Private Messages can be exchanged between groups of 2 to 500 people. An email address can also be specified as the recipient. Each message may contain up to 10 attachments: Photos, Videos, Audio Files, Maps (an embedded map with a manually placed marker), and Documents. News. VK users can post on their profile walls, each post may contain up to 10 attachments – media files, maps, and documents (see above). User mentions and hashtags are supported. In the case of multiple photo attachments, the previews are automatically scaled and arranged in a magazine-style layout. The news feed can be switched between all news (default) and most interesting modes. The site features a news-recommendation engine, global real-time search, and individual search for posts and comments on specific users' walls. Communities. VK features three types of communities. Groups are better suited for decentralized communities (discussion boards, wiki-style articles, editable by all members, etc.). Public pages is a news feed-orientated broadcasting tool for celebrities and businesses. The two types are largely interchangeable, the main difference being in the default settings. The third type of community is called Events, which are used for appropriately organizing concerts and events in an appropriate way. Like buttons. VK like buttons for posts, comments, media, and external sites operate differently from Facebook. Liked content doesn't get automatically pushed to the user's wall, but is saved in the private Favorites section instead. The user has to press a second 'share with friends' button to share an item on their wall or send it via private message to a friend. Privacy. Users can control the availability of their content within the network and on the Internet. Blanket and granular privacy settings are available for pages and individual content. Synchronization with other social networks. Any news published on the VK wall will appear on Facebook or Twitter. Certain news may not be published by clicking on the logo next to the "Send" button. Editing a post in VK does not change the post in Facebook or Twitter and vice versa. However, removing the news in VK will remove it from other social networks. SMS service. Russian users can receive and reply to a private message or leave a comment for community news using SMS. Music. Users have access to the audio files uploaded by other users. In addition, users can upload the audio files themselves, create playlists and share audios with others by attaching to messages and wall posts. The uploaded audio files cannot violate copyright laws. === Popularity === As of May 2017, according to Alexa Internet ranking, VK is one of the most visited websites in some Eurasian countries. It is: 4th most visited in Russia; 3rd most visited in Belarus; 6th most visited in Kazakhstan; 8th most visited in Kyrgyzstan and Moldova; 12th most visited in Latvia. It was the fourth most viewed site in Ukraine until, in May 2017, the Ukrainian government banned the use of VK in Ukraine. According to a study for May 2018 conducted by Factum Group Ukraine VK remained the fourth most viewed site in Ukraine, but Facebook was twice as much visited. For 2019, VK appeared as the most visited social network in Ukraine according to Alexa. According to the Internet Association of Ukraine the share of Ukrainian Internet users who visit VK daily had fallen from 54% to 10% from September 2016 to September 2019. They also claimed in November 2019 that Facebook was the most popular social network. VK was expected to gain most of the users lost by Facebook and Instagram after they were blocked in Russia in 2022, according to a Calltouch poll. == Ownership == Initially, founder and CEO Pavel Durov owned 20% of shares (although he had majority voting power through proxy votes), and a trio of Russian-Israeli investors Yitzchak Mirilashvili, his father Mikhael Mirilashvili, and Lev Leviev owned 60%, 10%, and 10% respectively. In 2007, Digital Sky Technologies, an investment company managed by Yuri Milner, acquired a total of 24.99% of the shares from shareholders, investing $16.3 million. In preparation for the IPO in September 2010, DST separated international and Russian assets: the former formed the DST Global fund, while the latter, including VKontakte and rival social network Odnoklassniki, were merged into Mail.ru Group. Mail.ru Group used part of the money to acquire 7.5% of the social network for $112.5 million at a valuation of the entire project of 1.5 billion dollars. After exercising a 7.5% option in July 2011 for $111.7 million, Mail.ru Group accumulated a 39.99% stake in VKontakte. The head of Mail.ru Group, Dmitry Grishin, voiced the company's intention to gain 100% control over VKontakte. MRG was discussing with shareholders to buy out shares from the valuation of the entire company in $2-3 billion. In the summer of 2011, Mirilashvili and Leviev were ready to accept in payment owned by Mail.ru Group shares of Facebook, Groupon, and Zynga, but the deal failed due to Durov's unwillingness to sell a stake on MRG terms. Later, the co-founders considered VKontakte's IPO as an alternative. In March 2012, Durov "accidentally" became plugged into the negotiations where Mirilashvili and Leviev discussed selling their stakes directly to Mail.ru Group's main investor, Alisher Usmanov. On the same day, Durov deleted the pages of the first co-investors, stopped contacting them, and soon announced that VKontakte would postpone its IPO indefinitely. On 29 May 2012, Mail.ru Group announced its decision to yield control of the company to Durov by offering him the voting rights on its shares. Combined with Durov's personal 12% stake, this gave him 52% of the votes. In April 2013, the Mirilashvili family sold its 40% share in VK to United Capital Partners for $1.12 billion, while Lev Leviev sold his 8% share in the same deal, giving United Capital Partners 48% ownership. In January 2014, VK's founder Pavel Durov sold his 12% stake in the company to I

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  Omni-Path

  Omni-Path Architecture (OPA) is a high-performance communication architecture developed by Intel. It aims for low communication latency, low power consumption and a high throughput. It directly competes with InfiniBand. Intel planned to develop technology based on this architecture for exascale computing. The current owner of Omni-Path is Cornelis Networks. == History == Production of Omni-Path products started in 2015 and delivery of these products started in the first quarter of 2016. In November 2015, adapters based on the 2-port "Wolf River" ASIC were announced, using QSFP28 connectors with channel speeds up to 100 Gbit/s. Simultaneously, switches based on the 48-port "Prairie River" ASIC were announced. First models of that series were available starting in 2015. In April 2016, implementation of the InfiniBand "verbs" interface for the Omni-Path fabric was discussed. In October 2016, IBM, Hewlett Packard Enterprise, Dell, Lenovo, Samsung, Seagate Technology, Micron Technology, Western Digital and SK Hynix announced a joint consortium called Gen-Z to develop an open specification and architecture for non-volatile storage and memory products—including Intel's 3D Xpoint technology—which might in part compete against Omni-Path. Intel offered their Omni-Path products and components via other (hardware) vendors. For example, Dell EMC offered Intel Omni-Path as Dell Networking H-series, following the naming-standard of Dell Networking in 2017. In July 2019, Intel announced it would not continue development of Omni-Path networks and canceled OPA 200 series (200-Gbps variant of Omni-Path). In September 2020, Intel announced that the Omni-Path network products and technology would be spun out into a new venture with Cornelis Networks. Intel would continue to maintain support for legacy Omni-Path products, while Cornelis Networks continues the product line, leveraging existing Intel intellectual property related to Omni-Path architecture. In 2021, Cornelis announced Omni-Path Express, which replaces PSM2-based drivers and middleware, which trace back to PathScale's PSM created in 2003, for the existing Omni-Path hardware, with a native libfabric provider.

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  AI data center

  An AI data center is a specialized data center facility designed for the computationally intensive tasks of training and running inference for artificial intelligence (AI) and machine learning models. Unlike general-purpose data centers, they are optimized for the parallel processing demands of AI workloads, typically using hardware such as AI accelerators (e.g., GPUs, TPUs) and high-speed interconnects. The global push to construct these specialized facilities accelerated dramatically during the AI boom of the 2020s. Memory manufacturers prioritized production of High Bandwidth Memory (HBM) essential for AI servers, which led to a global memory supply shortage amid a broader competition for advanced chips, power, and infrastructure. Major tech companies are estimated to spend $650 billion on AI data centers in 2026. == Architecture == Data centers for building and running large machine learning models contain specialized computer chips, GPUs, that use 2 to 4 times as much energy as their regular CPU counterparts (250-500 watts). AI data centers use 60 or more kilowatts per server rack, whereas more standard data centers typically use 5 to 10 kilowatts per rack. == Operators == As of August 2025, The Information tracked 18 planned or existing AI data centers in the United States, operated by Amazon Web Services, CoreWeave, Crusoe, Meta, Microsoft/OpenAI, Oracle, Tesla, and xAI. Other AI data center operators include Digital Realty and Alibaba. Data centers are also being built in China, India, Europe, Saudi Arabia, and Canada. The New Yorker described CoreWeave as the most prominent AI data center operator in the United States. Two types of data center providers for machine learning have been noted: hyperscalers and neoclouds. The Verge listed large technology companies such as Google, Meta, Microsoft, Oracle and Amazon as hyperscalers. The New York Times described neoclouds as "a new generation of data center providers". CoreWeave, Nebius, Nscale, and Lambda have been described as examples of neoclouds. In January 2025, OpenAI, in partnership with Oracle and Softbank, announced the Stargate project, which as of September 2025 is composed of six built or proposed AI data centers in the United States. In response to the Stargate project, Amazon launched in October 2025 an AI data center on 1,200 acres of farmland in Indiana. This data center, known as Project Rainier, is one of the largest AI data centers in the world, with Amazon spending $11 billion on the project. Rainier is specifically intended for training and running machine learning models from Anthropic. As of that time, this facility contains seven data centers (out of an estimated 30 planned) and will use 2.2 gigawatts of electricity (equivalent to 1 million households) and millions of gallons of water per year. Computer chips from Annapurna Labs and Anthropic, Trainium 2, were designed for use in such facilities. Amazon pumped millions of gallons of water out of the ground to construct the data center, and as of June 2025, Indiana state officials are investigating whether this dewatering process led to dry wells for local residents. In November 2025, Anthropic announced a plan in partnership with Fluidstack to develop artificial intelligence infrastructure in the United States, including data centers in New York and Texas, worth $50 billion. Other AI data center projects include the Colossus supercomputer from xAI, a Louisiana-based project from Meta, Hyperion, expected to use 5 GW of power, and a second Ohio-based Meta project, Prometheus, with a capacity of 1 GW. A 3,200-acre AI data center, capable of 4.4-4.5 GW of power and located on the decommissioned Homer City Generating Station, is under construction as of 2025, and will use seven 30-acre gas generating stations supplied by EQT. As of December 2025, CRH is working on over 100 data centers in the United States. In 2025, ExxonMobil and NextEra announced plans to build a data center powered by natural gas and using carbon capture technology, with 1.2 GW of power capacity. They previously purchased 2,500 acres of land in the Southeastern United States and plan to market the data center to an artificial intelligence company. The increased interest in AI data centers has led to several executives from companies in that space becoming billionaires, including CoreWeave, QTS, Nebius, Astera Labs, Groq, Fermi (which is connected to former United States Secretary of Energy Rick Perry), Snowflake and Cipher Mining. Several companies involved in cryptocurrency mining, such as Bitdeer, CoreWeave, Cipher Mining, TeraWulf, IREN, Core Scientific, and CleanSpark have also been involved with AI data centers. == Finances == Between January and August 2024, Microsoft, Meta, Google and Amazon collectively spent $125 billion on AI data centers. Citigroup forecasted that $2.8 trillion would be spent on AI data centers by 2030, while McKinsey and Company estimated that almost $7 trillion would be spent globally by that time. According to S&P Global, $61 billion has been spent on the data center market as a whole in 2025, while debt issuance for data centers was $182 billion during the same year. Large technology companies have offloaded the financial risks of building AI data centers by setting up special purpose vehicles or by contracting with neoclouds. For example, Meta's Hyperion was mostly funded by Blue Owl Capital, which did so using a bond offering from PIMCO. Those bonds were sold to a number of clients, including BlackRock. Meta did not borrow money itself and instead established a special purpose vehicle from which it would rent the data center. This deal was structured by Morgan Stanley for $30 billion, the largest known private capital transaction as of 2025. Neoclouds such as CoreWeave have gone into debt to buy computer chips from Nvidia for their data centers, and the chips themselves have been used for loan collateral. As of December 2025, CoreWeave took out three GPU-backed loans, collectively worth $12.4 billion, from private credit firms (Blackstone, Coatue, BlackRock, PIMCO) and from banks (Goldman Sachs, JPMorgan Chase, Wells Fargo). Thus, these companies provide an indirect connection between private credit and established banks. Data centers have also established asset-backed securities, and debt for data centers has its own derivative financial products. The real estate industry, including asset managers, public companies and private investors, has also invested in data centers. == Energy sourcing == == Environmental footprint == Average AI data centers have an electricity footprint equivalent to 100,000 households, and use billions of gallons of water for cooling their hardware. In 2025, the International Energy Agency estimated that the larger AI data centers currently under construction could consume as much electricity as 2 million households. A 2024 report from the United States Department of Energy stated that data centers overall used 17 billion gallons of water per year in the United States, primarily due to "rapid proliferation of AI servers", and that this usage was forecasted to grow to nearly 80 billion gallons by 2028. Researchers estimated that AI data centers in the United States would emit 24-44 million metric tons of carbon dioxide and use 731–1,125 million cubic meters of water per year between 2024 and 2030. Peaking power plants, which have been proposed as a power source for AI data centers, emit sulfur dioxide and have historically been located disproportionately near communities of color in the United States. Reciprocating internal combustion engines, proposed as another power source for a data center, emit PM 2.5, nitrogen oxides, and volatile organic compounds. == AI data centers in the United States == In the United States, both the Biden administration and second Trump administration supported the construction of AI data centers. In January 2025, then-president Joe Biden signed an executive order for federal government agencies to support AI data centers on federal sites built by private companies, study their effect on energy prices, and encourage their use of renewable energy. In April 2025, the United States Department of Energy suggested 16 possible sites, including Los Alamos National Laboratory, Sandia National Laboratories and Oak Ridge National Laboratory. In its July 2025 AI Action Plan, the second Trump administration supported increased production of AI data centers. Several US states have incentivized local data center construction. For example, in 2024, lawmakers in Michigan approved tax breaks for data center equipment and construction material. Some data center companies have also invested or promised to invest in the infrastructure of local communities. In December 2025, Democratic senators Elizabeth Warren, Chris Van Hollen, and Richard Blumenthal wrote to seven technology companies (Google, Microsoft, Amazon, Meta, CoreWeave, Digital Realty, and Equinix) that they w

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  Backdoor (computing)

  A backdoor is a typically covert method of bypassing normal authentication or encryption in a computer, product, embedded device (e.g. a home router), or its embodiment (e.g. part of a cryptosystem, algorithm, chipset, or even a "homunculus computer"—a tiny computer-within-a-computer such as that found in Intel's AMT technology). Backdoors are most often used for securing remote access to a computer, or obtaining access to plaintext in cryptosystems. From there it may be used to gain access to privileged information like passwords, corrupt or delete data on hard drives, or transfer information within compromised networks. In the United States, the 1994 Communications Assistance for Law Enforcement Act forces internet providers to provide backdoors for government authorities. In 2024, the U.S. government realized that China had been tapping communications in the U.S. using that infrastructure for months, or perhaps longer; China recorded presidential candidate campaign office phone calls—including employees of the then-vice president of the nation, and of the candidates themselves. A backdoor may take the form of a hidden part of a program, a separate program (e.g. Back Orifice may subvert the system through a rootkit), code in the firmware of the hardware, or parts of an operating system such as Windows, for example, device drivers. Trojan horses can be used to create vulnerabilities in a device. A Trojan horse may appear to be an entirely legitimate program, but when executed, it triggers an activity that may install a backdoor. Although some are secretly installed, other backdoors are deliberate and widely known. These kinds of backdoors have "legitimate" uses such as providing the manufacturer with a way to restore user passwords. Many systems that store information within the cloud fail to create accurate security measures. If many systems are connected within the cloud, hackers can gain access to all other platforms through the most vulnerable system. Default passwords (or other default credentials) can function as backdoors if they are not changed by the user. Some debugging features can also act as backdoors if they are not removed in the release version. In 1993, the United States government attempted to deploy an encryption system, the Clipper chip, with an explicit backdoor for law enforcement and national security access. The chip was unsuccessful. Recent proposals to counter backdoors include creating a database of backdoors' triggers and then using neural networks to detect them. == Overview == The threat of backdoors surfaced when multiuser and networked operating systems became widely adopted. Petersen and Turn discussed computer subversion in a paper published in the proceedings of the 1967 AFIPS Conference. They noted a class of active infiltration attacks that use "trapdoor" entry points into the system to bypass security facilities and permit direct access to data. The use of the word trapdoor here clearly coincides with more recent definitions of a backdoor. However, since the advent of public key cryptography the term trapdoor has acquired a different meaning (see: Trapdoor function), and thus the term "backdoor" is now preferred, only after the term trapdoor went out of use. More generally, such security breaches were discussed at length in a RAND Corporation task force report published under DARPA sponsorship by J.P. Anderson and D.J. Edwards in 1970. While initially targeting the computer vision domain, backdoor attacks have expanded to encompass various other domains, including text, audio, ML-based computer-aided design, and ML-based wireless signal classification. Additionally, vulnerabilities in backdoors have been demonstrated in deep generative models, reinforcement learning (e.g., AI GO), and deep graph models. These broad-ranging potential risks have prompted concerns from national security agencies regarding their potentially disastrous consequences. A backdoor in a login system might take the form of a hard coded user and password combination which gives access to the system. An example of this sort of backdoor was used as a plot device in the 1983 film WarGames, in which the architect of the "WOPR" computer system had inserted a hardcoded password-less account which gave the user access to the system, and to undocumented parts of the system (in particular, a video game-like simulation mode and direct interaction with the artificial intelligence). Although the number of backdoors in systems using proprietary software (software whose source code is not publicly available) is not widely credited, they are nevertheless frequently exposed. Programmers have even succeeded in secretly installing large amounts of benign code as Easter eggs in programs, although such cases may involve official forbearance, if not actual permission. == Examples == === Worms === Many computer worms, such as Sobig and Mydoom, install a backdoor on the affected computer (generally a PC on broadband running Microsoft Windows and Microsoft Outlook). Such backdoors appear to be installed so that spammers can send junk e-mail from the infected machines. Others, such as the Sony/BMG rootkit, placed secretly on millions of music CDs through late 2005, are intended as DRM measures—and, in that case, as data-gathering agents, since both surreptitious programs they installed routinely contacted central servers. A sophisticated attempt to plant a backdoor in the Linux kernel, exposed in November 2003, added a small and subtle code change by subverting the revision control system. In this case, a two-line change appeared to check root access permissions of a caller to the sys_wait4 function, but because it used assignment = instead of equality checking ==, it actually granted permissions to the system. This difference is easily overlooked, and could even be interpreted as an accidental typographical error, rather than an intentional attack. In January 2014, a backdoor was discovered in certain Samsung Android products, like the Galaxy devices. The Samsung proprietary Android versions are fitted with a backdoor that provides remote access to the data stored on the device. In particular, the Samsung Android software that is in charge of handling the communications with the modem, using the Samsung IPC protocol, implements a class of requests known as remote file server (RFS) commands, that allows the backdoor operator to perform via modem remote I/O operations on the device hard disk or other storage. As the modem is running Samsung proprietary Android software, it is likely that it offers over-the-air remote control that could then be used to issue the RFS commands and thus to access the file system on the device. === Object code backdoors === Harder to detect backdoors involve modifying object code, rather than source code—object code is much harder to inspect, as it is designed to be machine-readable, not human-readable. These backdoors can be inserted either directly in the on-disk object code, or inserted at some point during compilation, assembly linking, or loading—in the latter case the backdoor never appears on disk, only in memory. Object code backdoors are difficult to detect by inspection of the object code, but are easily detected by simply checking for changes (differences), notably in length or in checksum, and in some cases can be detected or analyzed by disassembling the object code. Further, object code backdoors can be removed (assuming source code is available) by simply recompiling from source on a trusted system. Thus for such backdoors to avoid detection, all extant copies of a binary must be subverted, and any validation checksums must also be compromised, and source must be unavailable, to prevent recompilation. Alternatively, these other tools (length checks, diff, checksumming, disassemblers) can themselves be compromised to conceal the backdoor, for example detecting that the subverted binary is being checksummed and returning the expected value, not the actual value. To conceal these further subversions, the tools must also conceal the changes in themselves—for example, a subverted checksummer must also detect if it is checksumming itself (or other subverted tools) and return false values. This leads to extensive changes in the system and tools being needed to conceal a single change. As object code can be regenerated by recompiling (reassembling, relinking) the original source code, making a persistent object code backdoor (without modifying source code) requires subverting the compiler itself—so that when it detects that it is compiling the program under attack it inserts the backdoor—or alternatively the assembler, linker, or loader. As this requires subverting the compiler, this in turn can be fixed by recompiling the compiler, removing the backdoor insertion code. This defense can in turn be subverted by putting a source meta-backdoor in the compiler, so that when it detects that it is compiling itself

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  Social media use in the financial services sector

  Social media in the financial services sector refers to the use of social media by the financial services sector to promote and distribute financial services. Social media is used in various aspects of the financial industry including customer service, marketing, and product development. It has enabled financial institutions to extend their reach through direct and real-time communication with customers, fostering more personal connections. It also allows individuals to talk to other individuals creating lending and trading via social groups as well as developing new financial services by fintech startup companies. In terms of marketing, social media is utilized by both traditional financial companies as well as disruptive fintech companies such as peer-to-peer lending (P2P) companies. The financial industry has used information technology since its inception in the 1960s and social media fits in with this ongoing development. Larger, traditional financial firms have integrated social media into their marketing strategies. Companies in the financial sector are subject to strict regulations that include how they use social media. In the United States, the Financial Industry Regulatory Authority (FINRA) is a key regulator that sets rules how financial firms can interact with consumers. This includes ensuring that social media posts follow financial advertising rules, such as being fair and balanced and not providing misleading information, and that financial advice is not provided by unqualified personnel, such as influencers. == History == In 2003, at the beginning of social media development, MySpace was founded as a "social networking service." It allowed people to create a profile, connect with other people, and post videos, pictures, and songs. As MySpace grew in popularity, it attracted interest from companies wishing to promote their brands on the social platform. They were joined by Facebook and in 2010 by Instagram. Financial service firms were initially slow to adapt to promotion via social media but soon joined other big firms after they saw the success other industries had in engaging with younger people. == Uses == === Branding === While companies are able to connect with more people remotely through providing online financial services, their branding strategy has shifted from customized to standardized. Prior to the outbreak of technology, most banks used customized branding where they targeted only customers in their regions. Businesses can now use technology to operate beyond their geographic location and maintain a consistent image across multiple countries with standardized branding. By being able to extend a consistent brand reputation across a wider geographic location, financial services companies can take advantage of economies of scale in advertising cost, lower administrative complexity, lower entry into new markets, and improved cross-border learning within the company. === Customer engagement === Online banking reduced face-to-face interaction between customers and their banks. Most banking transactions can now be conducted online or through mobile devices, rather than at a local branch with a teller. Social media provides a channel for firms to maintain personal contact with customers, replicating some of the interaction that was previously available at local branches. For example, a bank's Facebook page may feature an employee profile describing their job duties, which serves to present a more human face for larger institutions. === Lending === Social media is a core marketing channel for online peer-to-peer lending as well as small business lenders. Since these companies operate exclusively online, it makes sense for them to market online through social media channels. They are able to grow and find new lenders and buyers by utilizing social networks. === Trading === Social trading is an alternative way of analyzing financial data by looking at what other traders are doing and comparing, copying and discussing their techniques and strategies. Prior to the advent of social trading, investors and traders were relying on fundamental or technical analysis to form their investment decisions. Using social trading investors and traders could integrate into their investment decision-process social indicators from trading data-feeds of other traders. Investors also use platform like Reddit, Signal messaging or WeChat to create social communities to discuss investments and finance. In some cases they use this to join together using meme stocks to move financial markets, such as the 2021 GameStop short squeeze incident. They can also use social groups to launch and promote new products such as cryptocurrencies. Investing application like WeBull incorporate a forum style messaging system on each stock that is available for trading. Financial brokers such as Fidelity Investments, Interactive Brokers, and E-Trade have moved to incorporate community features in their investment apps. == Regulations == The use of social media by investors and financial services professionals for business purposes is subject to regulatory oversight, in the United States this is done primarily by the Financial Industry Regulatory Authority (FINRA). FINRA's rules, designed to protect investors from misleading information in all communications and this also applies to social media communications. This includes ensuring that social media posts follow financial advertising rules, such as being fair and balanced and not providing misleading information, and that advice is not provided by unqualified personnel, such as influencers and bank staff acting in a personal capacity. Financial firms have to maintain books and records of all interaction with customers and this includes social media. == New products and services == Social media has created entirely new products for the financial services sector, revolutionizing products and developing new industries through the merging of social technology and financial services. Fintech startups use social media to promote products to get them established. Several developing nations have used social media to leapfrog traditional financial technology; for example, WeChat Pay, which developed from the Chinese WeChat social media platform, became a major payment system in China within a few years. In 2015, according to consulting firm Accenture, 390 million people in China had registered to use mobile banking. This figure is more than the population of the United States. In the United States, the fintech company Venmo combines technology and financial services on a social platform. Other financial technology companies that have used social media to develop or promote financial products include: Lending Club – One of the first peer-to-peer lending businesses OnDeck Capital – A US online-only lending business Funding Circle – A UK-based online lending company Wise – A global online money transfers company Kabbage – A US online unsecured loan company later acquired by American Express Avant – A US online unsecured loan company Zopa – A UK online neobank providing peer-to-peer lending == Risks == === Reputational damage === Due to the real-time nature of social media, financial services companies can be impacted by potential reputational issues. Any negative experience by customers can easily be shared online and could become a viral phenomenon, those comments could likely have a detrimental effect on the company’s stock price and reputation. On the other hand, any positive experience a customer has can also be shared online. However, positive experiences are much less likely to become viral. === Scams === The nature of social media makes it easy to target individuals without being seen by the wider community, this allows scammers to target individuals. Example include romance scams such as the pig butchering scam where an individual is tricked to transfer funds or assets to the scammer over social media making it hard for law enforcement to track them or recover funds. === Customer privacy === Customer privacy is important for the financial services industry. It is critical that customer information such as a bank account numbers and other personal information is kept private. However, this information can be leaked if for example, a customer is unhappy with a bank’s service, they may tweet at the bank expressing their frustrations and include their name and account number.

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  Ultra (cryptography)

  Ultra was the designation adopted by British military intelligence in June 1941 for wartime signals intelligence obtained by breaking high-level encrypted enemy radio and teleprinter communications at the Government Code and Cypher School (GC&CS) at Bletchley Park. Ultra eventually became the standard designation among the western Allies for all such intelligence. The name arose because the intelligence obtained was considered more important than that designated by the highest British security classification then used (Most Secret) and so was regarded as being Ultra Secret. Several other cryptonyms had been used for such intelligence. The code name "Boniface" was used as a cover name for Ultra. In order to ensure that the successful code-breaking did not become apparent to the Germans, British intelligence created a fictional MI6 master spy, Boniface, who controlled a fictional series of agents throughout Germany. Information obtained through code-breaking was often attributed to the human intelligence from the Boniface network. The U.S. used the codename Magic for its decrypts from Japanese sources, including the "Purple" cipher. Much of the German cipher traffic was encrypted on the Enigma machine. Used properly, the German military Enigma would have been virtually unbreakable; in practice, shortcomings in operation allowed it to be broken. The term "Ultra" has often been used almost synonymously with "Enigma decrypts". However, Ultra also encompassed decrypts of the German Lorenz SZ 40/42 machines that were used by the German High Command, and the Hagelin machine. Many observers, at the time and later, regarded Ultra as immensely valuable to the Allies. Winston Churchill was reported to have told King George VI, when presenting to him Stewart Menzies (head of the Secret Intelligence Service and the person who controlled distribution of Ultra decrypts to the government): "It is thanks to the secret weapon of General Menzies, put into use on all the fronts, that we won the war!" F. W. Winterbotham quoted the western Supreme Allied Commander, Dwight D. Eisenhower, at war's end describing Ultra as having been "decisive" to Allied victory. Sir Harry Hinsley, Bletchley Park veteran and official historian of British Intelligence in World War II, made a similar assessment of Ultra, saying that while the Allies would have won the war without it, "the war would have been something like two years longer, perhaps three years longer, possibly four years longer than it was." However, Hinsley and others have emphasized the difficulties of counterfactual history in attempting such conclusions, and some historians, such as John Keegan, have said the shortening might have been as little as the three months it took the United States to deploy the atomic bomb. == Sources of intelligence == Most Ultra intelligence was derived from reading radio messages that had been encrypted with cipher machines, complemented by material from radio communications using traffic analysis and direction finding. In the early phases of the war, particularly during the eight-month Phoney War, the Germans could transmit most of their messages using land lines and so had no need to use radio. This meant that those at Bletchley Park had some time to build up experience of collecting and starting to decrypt messages on the various radio networks. German Enigma messages were the main source, with those of the German air force (the Luftwaffe) predominating, as they used radio more and their operators were particularly ill-disciplined. === German === ==== Enigma ==== "Enigma" refers to a family of electro-mechanical rotor cipher machines. These produced a polyalphabetic substitution cipher and were widely thought to be unbreakable in the 1920s, when a variant of the commercial Model D was first used by the Reichswehr. The German Army (Heer), Navy, Air Force, Nazi party, Gestapo and German diplomats used Enigma machines in several variants. Abwehr (German military intelligence) used a four-rotor machine without a plugboard and Naval Enigma used different key management from that of the army or air force, making its traffic far more difficult to cryptanalyse; each variant required different cryptanalytic treatment. The commercial versions were not as secure and Dilly Knox of GC&CS is said to have broken one before the war. German military Enigma was first broken in December 1932 by Marian Rejewski and the Polish Cipher Bureau, using a combination of brilliant mathematics, the services of a spy in the German office responsible for administering encrypted communications, and good luck. The Poles read Enigma to the outbreak of World War II and beyond, in France. At the turn of 1939, the Germans made the systems ten times more complex, which required a tenfold increase in Polish decryption equipment, which they could not meet. On 25 July 1939, the Polish Cipher Bureau handed reconstructed Enigma machines and their techniques for decrypting ciphers to the French and British. Gordon Welchman wrote, Ultra would never have got off the ground if we had not learned from the Poles, in the nick of time, the details both of the German military Enigma machine, and of the operating procedures that were in use. At Bletchley Park, some of the key people responsible for success against Enigma included mathematicians Alan Turing and Hugh Alexander and, at the British Tabulating Machine Company, chief engineer Harold Keen. After the war, interrogation of German cryptographic personnel led to the conclusion that German cryptanalysts understood that cryptanalytic attacks against Enigma were possible but were thought to require impracticable amounts of effort and investment. The Poles' early start at breaking Enigma and the continuity of their success gave the Allies an advantage when World War II began. ==== Lorenz cipher ==== In June 1941, the Germans started to introduce on-line stream cipher teleprinter systems for strategic point-to-point radio links, to which the British gave the code-name Fish. Several systems were used, principally the Lorenz SZ 40/42 (codenamed "Tunny" by the British) and Geheimfernschreiber ("Sturgeon"). These cipher systems were cryptanalysed, particularly Tunny, which the British thoroughly penetrated. It was eventually attacked using Colossus machines, which were the first digital programme-controlled electronic computers. In many respects the Tunny work was more difficult than for the Enigma, since the British codebreakers had no knowledge of the machine producing it and no head-start such as that the Poles had given them against Enigma. Although the volume of intelligence derived from this system was much smaller than that from Enigma, its importance was often far higher because it produced primarily high-level, strategic intelligence that was sent between Wehrmacht high command (Oberkommando der Wehrmacht, OKW). The eventual bulk decryption of Lorenz-enciphered messages contributed significantly, and perhaps decisively, to the defeat of Nazi Germany. Nevertheless, the Tunny story has become much less well known among the public than the Enigma one. At Bletchley Park, some of the key people responsible for success in the Tunny effort included mathematicians W. T. "Bill" Tutte and Max Newman and electrical engineer Tommy Flowers. === Italian === In June 1940, the Italians were using book codes for most of their military messages, except for the Italian Navy, which in early 1941 had started using a version of the Hagelin rotor-based cipher machine C-38. This was broken from June 1941 onwards by the Italian subsection of GC&CS at Bletchley Park. === Japanese === In the Pacific theatre, a Japanese cipher machine, called "Purple" by the Americans, was used for highest-level Japanese diplomatic traffic. It produced a polyalphabetic substitution cipher, but unlike Enigma, was not a rotor machine, being built around electrical stepping switches. It was broken by the US Army Signal Intelligence Service and disseminated as Magic. Detailed reports by the Japanese ambassador to Germany were encrypted on the Purple machine. His reports included reviews of German assessments of the military situation, reviews of strategy and intentions, reports on direct inspections by the ambassador (in one case, of Normandy beach defences), and reports of long interviews with Hitler. The Japanese are said to have obtained an Enigma machine in 1937, although it is debated whether they were given it by the Germans or bought a commercial version, which, apart from the plugboard and internal wiring, was the German Heer/Luftwaffe machine. Having developed a similar machine, the Japanese did not use the Enigma machine for their most secret communications. The chief fleet communications code system used by the Imperial Japanese Navy was called JN-25 by the Americans, and by early 1942 the US Navy had made considerable progress in decrypting Japanese naval messages. The US Army also made progress on the

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  Speech segmentation

  Speech segmentation is the process of identifying the boundaries between words, syllables, or phonemes in spoken natural languages. The term applies both to the mental processes used by humans, and to artificial processes of natural language processing. In the field of automatic pronunciation assessment, the process of segmenting an utterance against expected word(s) is called forced alignment. Speech segmentation is a subfield of general speech perception and an important subproblem of the technologically focused field of speech recognition, and cannot be adequately solved in isolation. As in most natural language processing problems, one must take into account context, grammar, and semantics, and even so the result is often a probabilistic division (statistically based on likelihood) rather than a categorical one. Though it seems that coarticulation—a phenomenon which may happen between adjacent words just as easily as within a single word—presents the main challenge in speech segmentation across languages, some other problems and strategies employed in solving those problems can be seen in the following sections. This problem overlaps to some extent with the problem of text segmentation that occurs in some languages which are traditionally written without inter-word spaces, like Chinese and Japanese, compared to writing systems which indicate speech segmentation between words by a word divider, such as the space. However, even for those languages, text segmentation is often much easier than speech segmentation, because the written language usually has little interference between adjacent words, and often contains additional clues not present in speech (such as the use of Chinese characters for word stems in Japanese). == Lexical recognition == In natural languages, the meaning of a complex spoken sentence can be understood by decomposing it into smaller lexical segments (roughly, the words of the language), associating a meaning to each segment, and combining those meanings according to the grammar rules of the language. Though lexical recognition is not thought to be used by infants in their first year, due to their highly limited vocabularies, it is one of the major processes involved in speech segmentation for adults. Three main models of lexical recognition exist in current research: first, whole-word access, which argues that words have a whole-word representation in the lexicon; second, decomposition, which argues that morphologically complex words are broken down into their morphemes (roots, stems, inflections, etc.) and then interpreted and; third, the view that whole-word and decomposition models are both used, but that the whole-word model provides some computational advantages and is therefore dominant in lexical recognition. To give an example, in a whole-word model, the word "cats" might be stored and searched for by letter, first "c", then "ca", "cat", and finally "cats". The same word, in a decompositional model, would likely be stored under the root word "cat" and could be searched for after removing the "s" suffix. "Falling", similarly, would be stored as "fall" and suffixed with the "ing" inflection. Though proponents of the decompositional model recognize that a morpheme-by-morpheme analysis may require significantly more computation, they argue that the unpacking of morphological information is necessary for other processes (such as syntactic structure) which may occur parallel to lexical searches. As a whole, research into systems of human lexical recognition is limited due to little experimental evidence that fully discriminates between the three main models. In any case, lexical recognition likely contributes significantly to speech segmentation through the contextual clues it provides, given that it is a heavily probabilistic system—based on the statistical likelihood of certain words or constituents occurring together. For example, one can imagine a situation where a person might say "I bought my dog at a ____ shop" and the missing word's vowel is pronounced as in "net", "sweat", or "pet". While the probability of "netshop" is extremely low, since "netshop" isn't currently a compound or phrase in English, and "sweatshop" also seems contextually improbable, "pet shop" is a good fit because it is a common phrase and is also related to the word "dog". Moreover, an utterance can have different meanings depending on how it is split into words. A popular example, often quoted in the field, is the phrase "How to wreck a nice beach", which sounds very similar to "How to recognize speech". As this example shows, proper lexical segmentation depends on context and semantics which draws on the whole of human knowledge and experience, and would thus require advanced pattern recognition and artificial intelligence technologies to be implemented on a computer. Lexical recognition is of particular value in the field of computer speech recognition, since the ability to build and search a network of semantically connected ideas would greatly increase the effectiveness of speech-recognition software. Statistical models can be used to segment and align recorded speech to words or phones. Applications include automatic lip-synch timing for cartoon animation, follow-the-bouncing-ball video sub-titling, and linguistic research. Automatic segmentation and alignment software is commercially available. == Phonotactic cues == For most spoken languages, the boundaries between lexical units are difficult to identify; phonotactics are one answer to this issue. One might expect that the inter-word spaces used by many written languages like English or Spanish would correspond to pauses in their spoken version, but that is true only in very slow speech, when the speaker deliberately inserts those pauses. In normal speech, one typically finds many consecutive words being said with no pauses between them, and often the final sounds of one word blend smoothly or fuse with the initial sounds of the next word. The notion that speech is produced like writing, as a sequence of distinct vowels and consonants, may be a relic of alphabetic heritage for some language communities. In fact, the way vowels are produced depends on the surrounding consonants just as consonants are affected by surrounding vowels; this is called coarticulation. For example, in the word "kit", the [k] is farther forward than when we say 'caught'. But also, the vowel in "kick" is phonetically different from the vowel in "kit", though we normally do not hear this. In addition, there are language-specific changes which occur in casual speech which makes it quite different from spelling. For example, in English, the phrase "hit you" could often be more appropriately spelled "hitcha". From a decompositional perspective, in many cases, phonotactics play a part in letting speakers know where to draw word boundaries. In English, the word "strawberry" is perceived by speakers as consisting (phonetically) of two parts: "straw" and "berry". Other interpretations such as "stra" and "wberry" are inhibited by English phonotactics, which does not allow the cluster "wb" word-initially. Other such examples are "day/dream" and "mile/stone" which are unlikely to be interpreted as "da/ydream" or "mil/estone" due to the phonotactic probability or improbability of certain clusters. The sentence "Five women left", which could be phonetically transcribed as [faɪvwɪmɘnlɛft], is marked since neither /vw/ in /faɪvwɪmɘn/ nor /nl/ in /wɪmɘnlɛft/ are allowed as syllable onsets or codas in English phonotactics. These phonotactic cues often allow speakers to easily distinguish the boundaries in words. Vowel harmony in languages like Finnish can also serve to provide phonotactic cues. While the system does not allow front vowels and back vowels to exist together within one morpheme, compounds allow two morphemes to maintain their own vowel harmony while coexisting in a word. Therefore, in compounds such as "selkä/ongelma" ('back problem') where vowel harmony is distinct between two constituents in a compound, the boundary will be wherever the switch in harmony takes place—between the "ä" and the "ö" in this case. Still, there are instances where phonotactics may not aid in segmentation. Words with unclear clusters or uncontrasted vowel harmony as in "opinto/uudistus" ('student reform') do not offer phonotactic clues as to how they are segmented. From the perspective of the whole-word model, however, these words are thought be stored as full words, so the constituent parts would not necessarily be relevant to lexical recognition. == In infants and non-natives == Infants are one major focus of research in speech segmentation. Since infants have not yet acquired a lexicon capable of providing extensive contextual clues or probability-based word searches within their first year, as mentioned above, they must often rely primarily upon phonotactic and rhythmic cues (with prosody being the dominant cue), all

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  Conjugate coding

  Conjugate coding is a cryptographic tool, introduced by Stephen Wiesner in the late 1960s. It is part of the two applications Wiesner described for quantum coding, along with a method for creating fraud-proof banking notes. The application that the concept was based on was a method of transmitting multiple messages in such a way that reading one destroys the others. This is called quantum multiplexing and it uses photons polarized in conjugate bases as "qubits" to pass information. Conjugate coding also is a simple extension of a random number generator. At the behest of Charles Bennett, Wiesner published the manuscript explaining the basic idea of conjugate coding with a number of examples but it was not embraced because it was significantly ahead of its time. Because its publication has been rejected, it was developed to the world of public-key cryptography in the 1980s as oblivious transfer, first by Michael Rabin and then by Shimon Even. It is used in the field of quantum computing. The initial concept of quantum cryptography developed by Bennett and Gilles Brassard was also based on this concept.

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  Social media use in the financial services sector

  Social media in the financial services sector refers to the use of social media by the financial services sector to promote and distribute financial services. Social media is used in various aspects of the financial industry including customer service, marketing, and product development. It has enabled financial institutions to extend their reach through direct and real-time communication with customers, fostering more personal connections. It also allows individuals to talk to other individuals creating lending and trading via social groups as well as developing new financial services by fintech startup companies. In terms of marketing, social media is utilized by both traditional financial companies as well as disruptive fintech companies such as peer-to-peer lending (P2P) companies. The financial industry has used information technology since its inception in the 1960s and social media fits in with this ongoing development. Larger, traditional financial firms have integrated social media into their marketing strategies. Companies in the financial sector are subject to strict regulations that include how they use social media. In the United States, the Financial Industry Regulatory Authority (FINRA) is a key regulator that sets rules how financial firms can interact with consumers. This includes ensuring that social media posts follow financial advertising rules, such as being fair and balanced and not providing misleading information, and that financial advice is not provided by unqualified personnel, such as influencers. == History == In 2003, at the beginning of social media development, MySpace was founded as a "social networking service." It allowed people to create a profile, connect with other people, and post videos, pictures, and songs. As MySpace grew in popularity, it attracted interest from companies wishing to promote their brands on the social platform. They were joined by Facebook and in 2010 by Instagram. Financial service firms were initially slow to adapt to promotion via social media but soon joined other big firms after they saw the success other industries had in engaging with younger people. == Uses == === Branding === While companies are able to connect with more people remotely through providing online financial services, their branding strategy has shifted from customized to standardized. Prior to the outbreak of technology, most banks used customized branding where they targeted only customers in their regions. Businesses can now use technology to operate beyond their geographic location and maintain a consistent image across multiple countries with standardized branding. By being able to extend a consistent brand reputation across a wider geographic location, financial services companies can take advantage of economies of scale in advertising cost, lower administrative complexity, lower entry into new markets, and improved cross-border learning within the company. === Customer engagement === Online banking reduced face-to-face interaction between customers and their banks. Most banking transactions can now be conducted online or through mobile devices, rather than at a local branch with a teller. Social media provides a channel for firms to maintain personal contact with customers, replicating some of the interaction that was previously available at local branches. For example, a bank's Facebook page may feature an employee profile describing their job duties, which serves to present a more human face for larger institutions. === Lending === Social media is a core marketing channel for online peer-to-peer lending as well as small business lenders. Since these companies operate exclusively online, it makes sense for them to market online through social media channels. They are able to grow and find new lenders and buyers by utilizing social networks. === Trading === Social trading is an alternative way of analyzing financial data by looking at what other traders are doing and comparing, copying and discussing their techniques and strategies. Prior to the advent of social trading, investors and traders were relying on fundamental or technical analysis to form their investment decisions. Using social trading investors and traders could integrate into their investment decision-process social indicators from trading data-feeds of other traders. Investors also use platform like Reddit, Signal messaging or WeChat to create social communities to discuss investments and finance. In some cases they use this to join together using meme stocks to move financial markets, such as the 2021 GameStop short squeeze incident. They can also use social groups to launch and promote new products such as cryptocurrencies. Investing application like WeBull incorporate a forum style messaging system on each stock that is available for trading. Financial brokers such as Fidelity Investments, Interactive Brokers, and E-Trade have moved to incorporate community features in their investment apps. == Regulations == The use of social media by investors and financial services professionals for business purposes is subject to regulatory oversight, in the United States this is done primarily by the Financial Industry Regulatory Authority (FINRA). FINRA's rules, designed to protect investors from misleading information in all communications and this also applies to social media communications. This includes ensuring that social media posts follow financial advertising rules, such as being fair and balanced and not providing misleading information, and that advice is not provided by unqualified personnel, such as influencers and bank staff acting in a personal capacity. Financial firms have to maintain books and records of all interaction with customers and this includes social media. == New products and services == Social media has created entirely new products for the financial services sector, revolutionizing products and developing new industries through the merging of social technology and financial services. Fintech startups use social media to promote products to get them established. Several developing nations have used social media to leapfrog traditional financial technology; for example, WeChat Pay, which developed from the Chinese WeChat social media platform, became a major payment system in China within a few years. In 2015, according to consulting firm Accenture, 390 million people in China had registered to use mobile banking. This figure is more than the population of the United States. In the United States, the fintech company Venmo combines technology and financial services on a social platform. Other financial technology companies that have used social media to develop or promote financial products include: Lending Club – One of the first peer-to-peer lending businesses OnDeck Capital – A US online-only lending business Funding Circle – A UK-based online lending company Wise – A global online money transfers company Kabbage – A US online unsecured loan company later acquired by American Express Avant – A US online unsecured loan company Zopa – A UK online neobank providing peer-to-peer lending == Risks == === Reputational damage === Due to the real-time nature of social media, financial services companies can be impacted by potential reputational issues. Any negative experience by customers can easily be shared online and could become a viral phenomenon, those comments could likely have a detrimental effect on the company’s stock price and reputation. On the other hand, any positive experience a customer has can also be shared online. However, positive experiences are much less likely to become viral. === Scams === The nature of social media makes it easy to target individuals without being seen by the wider community, this allows scammers to target individuals. Example include romance scams such as the pig butchering scam where an individual is tricked to transfer funds or assets to the scammer over social media making it hard for law enforcement to track them or recover funds. === Customer privacy === Customer privacy is important for the financial services industry. It is critical that customer information such as a bank account numbers and other personal information is kept private. However, this information can be leaked if for example, a customer is unhappy with a bank’s service, they may tweet at the bank expressing their frustrations and include their name and account number.

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