AI Chat Vumc

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  QANDA

  QANDA (stands for 'Q and A') is an AI-based learning platform developed by Mathpresso Inc., a South Korea-based education technology company. Its best known feature is a solution search, which uses optical character recognition technology to scan problems and provide step-by-step solutions and learning content. As of March 2024, QANDA solved over 6.3 billion questions. QANDA has 90 million total registered users and has reached 8 million monthly active users (MAU) in 50 countries. 90% of the cumulative users are from overseas such as Vietnam and Indonesia. In January 2024, its MathGPT, a math-specific small large language model set a new world record, surpassed Microsoft's 'ToRA 13B', the previous record holder in benchmarks assessing mathematical performance such as 'MATH' (high school math) and 'GSM8K' (grade school math). 'MathGPT' was co-developed with Upstage and KT. In March 2024, Mathpresso launched 'Cramify' (formerly known as Prep.Pie), an AI-powered study material generator designed to create personalized exam prep materials for U.S. college students. It uses generative AI to create customized study materials uploaded by students. Its features include a range of tools including study summarizer and question solver. == History == Co-founder Jongheun ‘Ray’ Lee first came up with the idea of QANDA during his freshman year in college. While he was tutoring to earn money, Lee realized that the quality of education a student receives is greatly based on their location. Lee saw his K-12 students were regularly asking similar questions and realized that these questions were from a pre-selected number of textbooks currently being used in schools. He decided to team up with his high school friend, Yongjae ‘Jake’ Lee to build a platform whereby, one uses a mobile app to scan and submit questions, and students can ask and receive detailed responses. Lee's school friends, Wonguk Jung and Hojae Jeong, joined the team. In June 2015, Mathpresso, Inc. was founded in Seoul, South Korea. In January 2016, Mathpresso's first product QANDA was launched. It supported a Q&A feature between students and tutors. In October 2017, QANDA introduced an AI-based search capability that permitted users to search for answers in seconds. In April 2020, Jake Yongjae Lee(CEO & co-founder) and Ray Jongheun Lee (co-founder) were selected as Forbes 30 under 30 Asia. In June 2021, QANDA raised $50 million in series C funding. Jake Yongjae Lee was recognized as an Innovator Under 35 by MIT Technology Review. In November 2021, QANDA secured a strategic investment from Google. Since its inception, it has received backing in Series C funding from investors namely Google, Yellowdog, GGV Capital, Goodwater Capital, KDB, and SKS Private Equity with participation from SoftBank Ventures Asia, Legend Capital, Mirae Asset Venture Investment, and Smilegate Investment. In September 2023, Mathpresso has raised $8 million (10 billion KRW) from Korea's telecom giant, KT. The total cumulative investment is about 130 million US dollars. The partnership aims to accelerate the development of an education-specific Large Language Model. The company intends to incorporate the LLM model to fortify its AI tutor, which later will be integrated into the existing services: QANDA App, B2B & B2G Saas, and 1:1 online tutoring (QANDA Tutor). == Features == QANDA features OCR-based solution search, one-on-one Q&A tutoring, a study timer. In 2021, QANDA launched additional features, including the premium subscription model that offers unlimited “byte-sized” micro-video lectures and the community feature that enhances collaborative learning. In 2021, QANDA launched QANDA Tutor, a tablet-based 1:1 tutoring service and QANDA Study, a 1:N online school in Vietnam. In 2022, QANDA launched an exam prep feature that offers past exam materials from school via online. This feature is currently available in South Korea. In August 2023, QANDA launched a beta version of an LLM-powered AI Tutor. == Awards and recognition == Best Hidden Gems of 2017 by Google Playstore 2018 AWS AI Startup Challenge Award National representative for the Google AI for Social Good APAC, 2018 Best Self-Improvement Apps of 2018 by Google Playstore GSV Edtech 150 — the Most Transformational Growth Companies in Digital Learning Speaker at the Google App Summit, 2021 Selected as a prospect unicorn company by Korea Technology Finance Corporation in 2023 Winner of G20-DIA Global Pitching in 2023 2021, 2022, 2023 East Asia EdTech 150 by HolonIQ

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  Social media therapy

  Social media therapy is a form of expressive therapy. It uses the act of creating and sharing user-generated content as a way of connecting with and understanding people. Social media therapy combines different expressive therapy aspects of talk therapy, art therapy, writing therapy, and drama therapy and applies them to the web domain. Within social media therapy, synchronous or asynchronous dialogue occurs through exchanges of audio, text or visual information. The digital content is published online to serve as a form of therapy. == Background == Time spent online via email, websites, instant messaging and social media has increased: since 1999, more than 2,554 million people have become internet users. This alters the way people communicate with each other, and alters the connotation of certain words. The concepts of "identity", "friend", "like" and "connected" have adapted alongside technology. People are influenced by data sharing, social marketing, and technological tools. There are multiple therapeutic services offered through the internet. E-therapy, online counseling, cyber therapy, and social media therapy are similar in that each utilizes the internet in order to provide therapy for patients. == Controversy == There are pros and cons when it comes to the subject of online therapy. Criticism of providing therapy through online methods comes from concerns over the lack of physical contact. There are important features of therapy created through face-to-face therapy such as transference and countertransference that can not be created through online therapy. Patricia R. Recupero and Samara E. Rainey stated in their article "Informed Consent to E-Therapy" of American Journal of Psychotherapy that the lack of face-to-face interaction increased the risk of misdiagnosis and misunderstanding between the E-therapist and patient, thereby increasing the risk of uncertainty for the clinician. There are also concerns over the internet creating a distraction from the therapy itself. Confidentiality and privacy concerns have been raised as well. However, several systematic reviews have found that online psychotherapy can produce clinical outcomes comparable to face-to-face treatment, suggesting that physical distance does not inherently reduce therapeutic effectiveness.

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  Thirst trap

  A thirst trap is a type of social media post intended to entice viewers sexually. It refers to a viewer's "thirst", a colloquialism likening sexual frustration to dehydration, implying desperation, with the afflicted individual being described as "thirsty". The phrase entered into the lexicon in the late 1990s, but is most related to Internet slang that developed in the early 2010s. Its meaning has changed over time, previously referring to a graceless need for approval, affection or attention. == History == The term thirst trap originated within selfie culture, though its precise origins remain unclear. An early use of the phrase with reference to dehydration appears in the 1999 book Running for Dummies by Florence Griffith Joyner and John Hanc, where it referred to the deceptive sensation of thirst being quenched after initial fluid intake, advising continued hydration to avoid the so-called "thirst trap." The modern usage of thirst trap resurfaced around 2011 on platforms such as Twitter and Urban Dictionary, coinciding with the growing popularity of Snapchat, Instagram, and dating apps like Tinder and Grindr. In 2011, Urban Dictionary defined it as "any statement used to intentionally create attention or 'thirst'." By 2018, the term had entered mainstream discourse, appearing in outlets such as The New York Times and GQ without the need for explanation. == Usage of the term == Often, the term thirst trap describes an attractive picture of an individual that they post online. Thirst trap can also describe a digital heartthrob. For instance, former Canadian prime minister Justin Trudeau has been described as a political thirst trap. It has also been described as a modern form of "fishing for compliments". == Motivation == Thirst trapping may be driven by a variety of motives. Individuals often seek attention through "likes" and comments on social media, which can offer a temporary sense of validation and improved self-esteem. It can also serve as an outlet for expressing one's sexuality or enhancing a personal brand. In some cases, sharing such content may provide financial gain. Others might post thirst traps to cope with emotional distress, such as after breakup, or to spite a former lover. Sharing a thirst trap has also been used as a way to connect in times of social isolation (e.g. COVID-19 pandemic). From a physiological standpoint, endorphins and neurotransmitters like oxytocin and dopamine are released during sexual contact. It has been speculated outside of the academic setting that sharing and engaging with thirst traps may elicit similar pleasure responses. == Methodology == Methodologies have developed to take an optimal thirst trap photo. Reporting for Vice magazine, Graham Isador found several of his social network contacts spent a lot of time considering how to take the best photo and what text they should use. They considered angles and lighting. Sometimes they made use of the self-timer feature available on some cameras. Often, body parts are put on display without being too explicit (e.g. bulges of male genitalia, breast cleavage, abdominal muscles, pectoral muscles, backs, buttocks). Often, the thirst trap is accompanied by a caption. For instance, in October 2019, actress Tracee Ellis Ross posted bikini pictures on Instagram with a caption that included the message: "I've worked so hard to feel good in my skin and to build a life that truly matches me and I'm in it and it feels good. ... No filter, no retouch 47 year old thirst trap! Boom!" On Instagram, #ThirstTrapThursdays is a popular tag. Followers reply in turn after a posting. == Variations == "Gatsbying" is a variation of the thirst trap, where one puts posts on social media to attract the attention of a particular individual. The term alludes to the novel The Great Gatsby where the character Jay Gatsby would throw extravagant parties to attract the attention of his love interest, Daisy. "Instagrandstanding" is an alternative name for this. "Wholesome trapping" has developed, where one posts pictures of more meaningful aspects of life, such as spending time with friends or doing outdoor activities. == Criticism == Psychotherapist Lisa Brateman has criticized thirst traps as an unhealthy method of receiving external validation. This desire for external validation can be addictive. Thirst traps can cause pressure to maintain a good physical appearance, and therefore cause self-esteem issues. Additionally, thirst traps are often highly choreographed and thus present a distorted perception of reality. The manufacturing of thirst traps can be limited when one enters a relationship or with time as the body ages. In some cases, thirst traps can lead to harassment and online bullying. In April 2020, model Chrissy Teigen posted a video of herself wearing a black one-piece swimsuit, and she received a multitude of negative comments that constituted bullying and body shaming.

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  Personal network

  A personal network is a set of human contacts known to an individual, with whom that individual would expect to interact at intervals to support a given set of activities. In other words, a personal network is a group of caring, dedicated people who are committed to maintain a relationship with a person in order to support a given set of activities. Having a strong personal network requires being connected to a network of resources for mutual development and growth. Personal networks can be understood by: who knows you what you know about them what they know about you what are you learning together how you work at that Personal networks are intended to be mutually beneficial, extending the concept of teamwork beyond the immediate peer group. The term is usually encountered in the workplace, though it could apply equally to other pursuits outside work. Personal networking is the practice of developing and maintaining a personal network, which is usually undertaken over an extended period. The concept is related to business networking and is often encouraged by large organizations, in the hope of improving productivity, and so a number of tools exist to support the maintenance of networks. Many of these tools are IT-based, and use Web 2.0 technologies. == History of networking and business success == In the second half of the twentieth century, U.S. advocates for workplace equity popularized the term and concept of networking as part of a larger social capital lexicon—which also includes terms such as glass ceiling, role model, mentoring, and gatekeeper—serving to identify and address the problems barring non-dominant groups from professional success. Mainstream business literature subsequently adopted the terms and concepts, promoting them as pathways to success for all career climbers. In 1970 these terms were not in the general American vocabulary; by the mid-1990s they had become part of everyday speech. Before the mid-twentieth century, what we call networking today was framed in the language of family and friendship. These close personal relationships provided a range of opportunities to preferred subsets of people, such as access to job opportunities, information, credit, and partnerships. Family networks and nepotism have proven particularly strong throughout history. However, other common bonds—from ethnicity and religion to school ties and club memberships—can connect subsets of people as well. Of course people whom insiders consider undesirable have been barred from such networks, with important consequences. Those who tap into influential networks can be nurtured toward success. Those who are shut out from networks can lose hope of success. Numerous business heroes of the past—such as Benjamin Franklin, Andrew Carnegie, Henry Ford, and John D. Rockefeller—exploited networks to great effect. The business networks that seemed natural and transparent to these white men were a closed book to women and minorities for much of American history. Drawing on work from the social sciences, these outsider groups had to identify and then harness the mechanisms behind networking's power. A prominent early example of this process was the formation of corporate caucuses by black men at Xerox starting in 1969. Groups of black salesmen met regularly to share information about Xerox's culture and strategies for navigating it most effectively. Through confrontation and collaboration with a relatively accommodating upper management, the caucuses helped open opportunities for high-performing black employees. The popular and business press began using the terms "network" and "networking" in the mid-1970s in the context of businesswomen consciously pursuing this strategy. Authors encouraged female workers to recognize and exploit the informal workplace systems that provided advancement. They urged women to identify mentors, use social contacts, and build peer and authority networks. The push for networking drew on ideas and relationships from the era's feminist movement, and dictionaries of the time explicitly linked business networking to women's efforts to succeed in the workplace. Since the closing decades of the twentieth century, networking has become a pervasive term and concept in American society. People now invoke networking in relation to everything from business to child rearing to science. While ambitious careerists seek networks as an indispensable talisman, companies purposefully encourage networking among their employees to boost performance and gain competitive advantage. At the same time, Americans are forgetting the workplace activism that first illuminated the power of networking. Unfortunately, this loss of historical context can fuel a backlash against outsider groups who still seek to synthesize networks so they can access the same opportunities enjoyed by insiders. == Characteristics of networks == Broadly speaking, all networks have the following characteristics: Purpose – A network can be established for learning, mission, business, idea, and family or personal reasons. Structure – A network is a group of interlinked entities that form a cluster. Most social structures tend to be characterized by dense clusters of strong connections. Style – The place, space, pace and style of interaction of the networks give an understanding of the style of the networks. Namkee Park, Seungyoon Lee and Jang Hyun Kim examined the relations between personal network characteristics and Facebook use. According to their study, personal networks are investigated through several structural characteristics, which can be categorized into three major dimensions according to the level of analysis: Dyadic tie attributes which include the characteristics of ego-alter ties such as duration, multiplexity, and proximity. Ego-alter tie attributes represent various dimensions of relationships between the focal person and their close contacts. First, tie duration refers to the length of time since the tie was originally initiated, which indicates the duration of relationships. Second, multiplexity includes a focal individual's degree of involvement in various types of interactions with network members. The third dimension is the physical proximity between ego and alter. Theories of proximity suggest that physical proximity between people affects their interaction and subsequently, their formation of network ties. The characteristics of alter-alter ties including personal network density. When moving to ties at the alter-alter level, ego-network density, which refers to the extent to which one's alters are connected with each other, is an important dimension of personal networks. Dense personal network structure indicates close interpersonal contacts among alters, and consequently, is considered to promote the sharing of resources. On the other hand, loose connections, or structural holes in ego-networks, have been found to facilitate the flow of information and to provide advantages in searching and obtaining resources (e.g., getting a job). The composition of alter attributes centered on the heterogeneity of alters in one's personal network. The heterogeneity of alters in one's personal network is associated with access to diverse resources and information It is expected, thus, that the heterogeneity attributes may enhance the focal actor's social activities. Each of these characteristics represents unique aspects of individuals' network relationships. == Types of personal networks == Personal networks can be used for two main reasons: social and professional. In 2012, LinkedIn along with TNS conducted a survey of 6,000 social network users to understand the difference between personal social networks and personal professional networks. The "Mindset Divide" of users of these networks was compared as follows: Emotions: Personal social networks: Nostalgia, fun, distraction. Personal professional networks: Achievement, success, aspiration. Use: Personal social networks: Users are in a casual mindset often just passing time. They use social networks to socialize, stay in touch, be entertained and kill time. Personal professional networks: In this purposeful mindset, users invest time to improve themselves and their future. These networks are used to maintain professional identity, make useful contacts, search for opportunities and stay in touch. Content: Personal professional networks: These provide information about career, brand updates and current affairs. Professional development: Personal development networks: These provide access to those who can provide information, knowledge, advice, support, expertise, guidance, and concrete resources to learn and work effectively—thus those who support the continuing professional development. == Personal network management == Personal network management (PNM) is a crucial aspect of personal information management and can be understood as the practice of managing the links and connections for social and profession

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  Ogle app

  Ogle is a free smartphone based social media application. It is available for iOS and Android. Ogle acts like a school wide forum that lets users and users' classmates share and interact. Users can share photos, videos, questions, even thoughts and watch submissions grow in popularity as other users vote and comment on them. == App Features == Campus Feed: Interact by watching and posting videos or pictures to your campus story. Photos and Videos: share what you want with many different timing options. Interact: Chat with friends and groups, or share a moment for all to see. Real-name system: choose to register an account with username and profile picture. Custom Stickers: Create stickers to add creativity and zest to your pictures. Flash Interaction: All private chat and group chat history will be deleted after 24 hours on Ogle Chat. == Controversies == Users can post anything on Ogle using text, photos, and videos. As a result, some Ogle user's sense of anonymity, posts have targeted specific schools and students with abusive and hurtful content. The Ogle app's user anonymity makes it difficult for school officials to quickly investigate issues that occur within the Ogle app. On March 28, 2016, three people were arrested after violent threats were made against an Anaheim high school. 18-year-old Miguel Meza was arrested Sunday afternoon during a traffic stop, along with his passenger, 23-year-old Johnny Aguilar. Police said both men had loaded handguns. Aguilar was also accused of violating his probation. "It is concerning the fact that they did have firearms, but we don't have a crystal ball. We can't determine if they possessed those firearms to engage in some kind of school violence or if they had it for another reason," Sgt. Daron Wyatt with the Anaheim Police Department said. Officials said Meza and Aguilar have known gang ties and detectives began investigating Meza after threats were made against the school on Ogle. On February 29, 2016, Santa Cruz County sheriff's deputies arrested a 16-year-old Aptos High School student Friday, accused of making an online threat of gun violence at Aptos High and Monte Vista Christian."He basically told detectives that it was all a joke. It's not a joke. You have multiple resources being spent to investigate these cases," said Santa Cruz County Sheriff's Sgt. Roy Morales. The schools remained open throughout the week, with a huge police presence on campus. In an anonymous emailed statement to the Daily Pilot on Thursday, the "Ogle team" said: "We are aware of the concern, and cyberbullying is absolutely NOT our intention for the app. Our goal for this app is to create a free and safe community space for students, for a better communication. We are currently working around the clock to improve the app. As a matter of fact, we are also in contact with local police departments, anti-bullying organizations and local high schools to try to help the students." In response to these incidents, Ogle expressed that they takes the safety of its users seriously and does not condone any type of behavior that is illegal or in violation of its content policies. The company also said it has instituted a content moderation team to increase review and identify and remove inappropriate content, and take action against “those who violate our community guidelines.”

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  Batch cryptography

  Batch cryptography is a field of cryptology focused on the design of cryptographic protocols that perform operations—such as encryption, decryption, key exchange, and authentication—on multiple inputs simultaneously, rather than processing each input individually. Batching cryptographic operations can significantly reduce the marginal cost of handling individual inputs—a principle that was first introduced by Amos Fiat in 1989.

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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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  Cleo Communications

  Cleo Communications LLC, simply referred to as Cleo, is a privately held software company founded in 1976. The company is best known for its ecosystem integration platform, Cleo Integration Cloud with RADAR. == History == Cleo originally began as a division of Phone 1 Inc., a voice data gathering systems manufacturer, and built data concentrators and terminal emulators — multi-bus computers, modems, and terminals to interface with IBM mainframes via bisynchronous communications. The company then began developing mainframe middleware in the 1980s, and with the rise of the PC, moved into B2B data communications and secure file transfer software. Cleo Communications was acquired in 2012 by Global Equity Partners along with other investment companies. Since being acquired in 2012, the company’s offerings have evolved into Cleo Integration Cloud, a platform for enterprise business integration. == Business == Based in Rockford, Illinois (USA), with offices in Chicago, Pennsylvania, London, and Bangalore, Cleo has about 400 employees and more than 4,100 direct customers. The company's flagship offering, Cleo Integration Cloud, provides both on-premise and cloud-based integration technologies and comprises solutions for B2B/EDI, application integration, data movement and data transformation. Previous products now incorporated into the Cleo Integration Cloud platform include Cleo Harmony, Cleo Clarify, and Cleo Jetsonic. Cleo solutions span a variety of industries, including manufacturing, logistics and supply chain, retail, third-party logistics, warehouse management and transportation management, healthcare, financial services and government. The U.S. Department of Veterans Affairs adopted Cleo's fax technology, Cleo Streem, in 2013 when in need of FIPS 140-2-compliant technology to protect information, and the City of Atlanta has used Cleo Streem for network and desktop faxing since 2006. Cleo also serves U.S. transportation logistics company MercuryGate International and SaaS-based food logistics organization ArrowStream. It powers the architecture for several major supply chain companies, such as Blue Yonder and SAP. Cleo integrates the pharmaceutical supply chain for such companies as Octapharma. Key partners include FourKites and ClientsFirst, among many others. In May 2023, Cleo announced it entered a global partnership with consulting and multinational information technology services company, Cognizant (NASDAQ: CTSH). Together, the companies announced CCIB, powered by Cleo, which is a B2B iPaaS solution that provides B2B managed services with built-in, scalable infrastructure on the cloud. The solution comprises elements from Cleo’s flagship offering, Cleo Integration Cloud. == Expansion == In June 2014, Cleo opened an office in Chicago for members of its support and Ashok and teams. In 2014, the company hired Jorge Rodriguez as Senior Vice President of Product Development and John Thielens as Vice President of Technology. Cleo hired Dave Brunswick as Vice President of Solutions for North America in 2015, and Cleo hired Ken Lyons to lead global sales in 2016. Lyons now serves as the company's Chief Revenue Officer. More recent additions to the company's leadership team include Vipin Mittal, Vice President, Customer Experience, and Tushar Patel, CMO. Cleo opened its product development facility in Bengaluru, India, in 2015 and expanded its hybrid cloud integration teams into a new office there in 2017. The company also opened a London office in 2016 and expanded its network of channel partners in EMEA. In 2016, Cleo acquired EXTOL International, a Pottsville, Pa.-based business and EDI integration and data transformation company for an undisclosed amount. In 2017, the company moved its headquarters from Loves Park, Illinois, to Rockford. In 2021 the company received a significant growth investment from H.I.G. Capital. In July 2022, Cleo opened a new, 5,000-square-foot office located in Chicago's Loop. In November 2022, Cleo launched an accelerator for Microsoft Dynamics 365 SCM-to-X12 and a connector for Microsoft Dynamics 365 Business Central. These pre-built solutions allow businesses and users to quickly build integration flows that integrate their digital ecosystems. In March 2023, Cleo released CIC PAVE (Procurement Automation and Vendor Enablement). PAVE provides customers with enhanced supply chain visibility via a supplier portal that allows the customer to keep vendor interaction in a single location, even if they cannot use EDI or have API-ready applications. In December 2023, Cleo acquired ECS International, an integration technology company based in the Netherlands. == Certification == Cleo regularly submits its products to Drummond Group's interoperability software testing for AS2, AS3 and ebMS 2.0. In January 2020, Cleo announced that its new application connector for Acumatica ERP has been recognized as an Acumatica-Certified Application (ACA). The company also holds SOC 2, Type 2 certification. == Awards == Cleo was a Xerox partner of the year award for five years, from 2009 to 2014. The Cleo Streem solution integrates with Xerox multi-function products, providing customers with solutions for network fax and interactive messaging needs. Cleo was named to Food Logistics’ FL100+ Top Software and Technology Providers Lists in 2016, 2017, 2019 and 2020. Cleo CEO, Mahesh Rajasekharan was named an Ernst & Young Entrepreneur Of The Year 2022 Midwest Award winner. Rajasekharan is serving as a judge for the 2023 Ernst & Young Entrepreneur Of the Year Awards. As of April 2022, Cleo has been named a Leader in EDI on the G2 Grid, a peer-to-peer review site, for 20 straight quarters. In Spring 2023, Cleo won 23 G2 awards—including EDI Leader Enterprise, MFT Leader Enterprise, On-Premise Data Integration Best Support Enterprise, and iPaaS High Performer Asia.

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  Content determination

  Content determination is the subtask of natural language generation (NLG) that involves deciding on the information to be communicated in a generated text. It is closely related to the task of document structuring. == Example == Consider an NLG system which summarises information about sick babies. Suppose this system has four pieces of information it can communicate The baby is being given morphine via an IV drop The baby's heart rate shows bradycardia's (temporary drops) The baby's temperature is normal The baby is crying Which of these bits of information should be included in the generated texts? == Issues == There are three general issues which almost always impact the content determination task, and can be illustrated with the above example. Perhaps the most fundamental issue is the communicative goal of the text, i.e. its purpose and reader. In the above example, for instance, a doctor who wants to make a decision about medical treatment would probably be most interested in the heart rate bradycardias, while a parent who wanted to know how her child was doing would probably be more interested in the fact that the baby was being given morphine and was crying. The second issue is the size and level of detail of the generated text. For instance, a short summary which was sent to a doctor as a 160 character SMS text message might only mention the heart rate bradycardias, while a longer summary which was printed out as a multipage document might also mention the fact that the baby is on a morphine IV. The final issue is how unusual and unexpected the information is. For example, neither doctors nor parents would place a high priority on being told that the baby's temperature was normal, if they expected this to be the case. Regardless, content determination is very important to users, indeed in many cases the quality of content determination is the most important factor (from the user's perspective) in determining the overall quality of the generated text. == Techniques == There are three basic approaches to document structuring: schemas (content templates), statistical approaches, and explicit reasoning. Schemas are templates which explicitly specify the content of a generated text (as well as document structuring information). Typically, they are constructed by manually analysing a corpus of human-written texts in the target genre, and extracting a content template from these texts. Schemas work well in practice in domains where content is somewhat standardised, but work less well in domains where content is more fluid (such as the medical example above). Statistical techniques use statistical corpus analysis techniques to automatically determine the content of the generated texts. Such work is in its infancy, and has mostly been applied to contexts where the communicative goal, reader, size, and level of detail are fixed. For example, generation of newswire summaries of sporting events. Explicit reasoning approaches have probably attracted the most attention from researchers. The basic idea is to use AI reasoning techniques (such as knowledge-based rules, planning, pattern detection, case-based reasoning, etc.) to examine the information available to be communicated (including how unusual/unexpected it is), the communicative goal and reader, and the characteristics of the generated text (including target size), and decide on the optimal content for the generated text. A very wide range of techniques has been explored, but there is no consensus as to which is most effective.

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  Data definition specification

  In computing, a data definition specification (DDS) is a guideline to ensure comprehensive and consistent data definition. It represents the attributes required to quantify data definition. A comprehensive data definition specification encompasses enterprise data, the hierarchy of data management, prescribed guidance enforcement and criteria to determine compliance. == Overview == A data definition specification may be developed for any organization or specialized field, improving the quality of its products through consistency and transparency. It eliminates redundancy (since all contributing areas are referencing the same specification) and provides standardization and degrees of compliance, making it easier and more efficient to create, modify, verify, analyze and share information across the enterprise. To understand how a data definition specification works in an enterprise, we must look at the elements of a DDS. Writing data definitions, defining business terms (or rules) in the context of a particular environment, provides structure for an organization's data architecture. In developing these definitions, the words used must be traceable to clearly defined data. A data definition specification may be used in the following activities: Business intelligence Business process modeling Business rules management Data analysis and modeling Information architecture Metadata modeling Data mastering Report generation == Criteria == A data definition specification requires data definitions to be: Atomic – singular, describing only one concept. Commonly used and ambiguous terms should be defined. While a term refers to one concept, several words may be used in a term: File – A concept identifiable with one word File extension – A concept identifiable with more than one word Traceable – Mapped to a specific data element. In business, a term may be traced to an entity (for example, a customer) or an attribute (such as a customer's name). A term may be a value in a data set (such as gender), or designate the data set itself. Traceability indicates relationships in the data hierarchy. Consistent - Used in a standard syntax; if used in a specific context, the context is noted Accurate - Precise, correct and unambiguous, stating what the term is and is not Clear - Readily understood by the reader Complete - With the term, its description and contextual references Concise - To avoid circular references == Applications == === Enterprise data === A data definition specification was produced by the Open Mobile Alliance to document charging data. The document, the centralized catalog of data elements defined for interfaces, specifies the mapping of these data elements to protocol fields in the interfaces. Created for the exchange of financial data, Market Data Definition Language (MDDL) is an XML specification designed to enable the interchange of information necessary to account, to analyze, and to trade financial instruments of the world's markets. It defines an XML-based interchange format and common data dictionary on the fields needed to describe: (1) financial instruments, (2) corporate events affecting value and tradability, and (3) market-related, economic and industrial indicators. The principal function of MDDL is to allow entities to exchange market data by standardizing formats and definitions. MDDL provides a common format for market data so that it can be efficiently passed from one processing system to another and provides a common understanding of market data content by standardizing terminology and by normalizing the relationships of various data elements to one another ... From the user perspective, the goal of MDDL is to enable users to integrate data from multiple sources by standardizing both the input feeds used for data warehousing (i.e., define what's being provided by vendors) and the output methods by which client applications request the data (i.e., ensure compatibility on how to get data in and out of applications)." === Clinical submissions === The Clinical Data Interchange Standards Consortium, a global, multidisciplinary, non-profit organization, has established standards to support the acquisition, exchange, submission and archiving of clinical research data and metadata. CDISC standards are vendor-neutral, platform-independent and freely available from the CDISC website. The Case Report Tabulation Data Definition Specification (define.xml) draft version 2.0, the oldest data definition specification, is part of the evolution from the 1999 FDA electronic submission (eSub) guidance and electronic Common Technical Document (eCTD) documents specifying that a document describing the content and structure of included data be included in a submission. Define.xml was developed to automate the review process by generating a machine-readable data-definition document. Define.xml has standardized submissions to the Food and Drug Administration, reducing review times from over two years to several months. === Archival data === A data definition specification is the foundation of metadata for scientific data archiving. The Metadata Encoding and Transmission Standard (METS) uses one principle of a DDS: consistent use of key terms to catalog digital objects for global use. The METS schema is a flexible mechanism for encoding descriptive, administrative and structural metadata for a digital library object and expressing complex links between metadata, and can provide a useful standard for the exchange of digital-library objects between repositories. A similar effort is underway to preserve complex data associated with video-game archiving. Preserving Virtual Worlds attempted to address archival-format deficiencies, citing the lack of suitable documentation for interactive fiction and games at the bit level: specifically, the absence of "representation information" needed to map raw bits into higher-level data constructs. Preserving Virtual Worlds 2 is a research project expanding on initial efforts in this field.

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  KLJN Secure Key Exchange

  Random-resistor-random-temperature Kirchhoff-law-Johnson-noise key exchange, also known as RRRT-KLJN or simply KLJN, is an approach for distributing cryptographic keys between two parties that claims to offer unconditional security. This claim, which has been contested, is significant, as the only other key exchange approach claiming to offer unconditional security is Quantum key distribution. The KLJN secure key exchange scheme was proposed in 2005 by Laszlo Kish and Granqvist. It has the advantage over quantum key distribution in that it can be performed over a metallic wire with just four resistors, two noise generators, and four voltage measuring devices---equipment that is low-priced and can be readily manufactured. It has the disadvantage that several attacks against KLJN have been identified which must be defended against. "Given that the amount of effort and funding that goes into Quantum Cryptography is substantial (some even mock it as a distraction from the ultimate prize which is quantum computing), it seems to me that the fact that classic thermodynamic resources allow for similar inherent security should give one pause," wrote Henning Dekant, the founder of the Quantum Computing Meetup, in April 2013. The Cybersecurity Curricula 2017, a joint project of the Association for Computing Machinery, the IEEE Computer Society, the Association for Information Systems, and the International Federation for Information Processing Technical Committee on Information Security Education (IFIP WG 11.8) recommends teaching the KLJN Scheme as part of teaching "Advanced concepts" in its knowledge unit on cryptography. == See Also/Further Reading ==

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  Cipher device

  A cipher device was a term used by the US military in the first half of the 20th century to describe a manually operated cipher equipment that converted the plaintext into ciphertext or vice versa. A similar term, cipher machine, was used to describe the cipher equipment that required external power for operation. Cipher box or crypto box is a physical cryptographic device used to encrypt and decrypt messages between plaintext (unencrypted) and ciphertext (encrypted or secret) forms. The ciphertext is suitable for transmission over a channel, such as radio, that might be observed by an adversary the communicating parties wish to conceal the plaintext from.

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  List of security-focused operating systems

  This is a list of operating systems specifically focused on security. Similar concepts include security-evaluated operating systems that have achieved certification from an auditing organization, and trusted operating systems that provide sufficient support for multilevel security and evidence of correctness to meet a particular set of requirements. == Linux == === Android-based === GrapheneOS is a security-focused, Android-based mobile OS that uses a hardened kernel, C library, custom memory allocator (hardened_malloc), and a hardened Chromium-based browser named Vanadium. It also offers privacy/security features, such as Duress PIN/Password or disabling the USB-C port at a driver/hardware level to avoid exploitation. It deploys exploit mitigations such as hardware-based memory tagging, secure app spawning, restricted dynamic code loading, and more. === Debian-based === Linux Kodachi is a security-focused operating system. Tails is aimed at preserving privacy and anonymity. KickSecure is a security-focused Linux distribution that aims to be "hardened by default". It uses network hardening, kernel hardening, Strong Linux User Account Isolation, better randomness, root access restrictions, and app-specific hardening. Whonix is an anonymity focused operating system based on KickSecure. It consists of two virtual machines, And all communications are routed through Tor. === Other Linux distributions === Alpine Linux is designed to be small, simple, and secure. It uses musl, BusyBox, and OpenRC instead of the more commonly used glibc, GNU Core Utilities, and systemd. Owl - Openwall GNU/Linux, a security-enhanced Linux distribution for servers. Secureblue, a Fedora Silverblue based distro that uses a hardened kernel, custom memory allocator (hardened_malloc), Trivalent, a security-focused, Chromium-based browser inspired by Vanadium, and many other exploit mitigations. == BSD == OpenBSD is a Unix-like operating system that emphasizes portability, standardization, correctness, proactive security, and integrated cryptography. == Xen == Qubes OS aims to provide security through isolation. Isolation is provided through the use of virtualization technology. This allows the segmentation of applications into secure virtual machines.

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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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  Blinding (cryptography)

  In cryptography, blinding first became known in the context of blind signatures, where the message author blinds the message with a random blinding factor, the signer then signs it and the message author "unblinds" it; signer and message author are different parties. Since the late 1990s, blinding mostly refers to countermeasures against side-channel attacks on encryption devices, where the random blinding and the "unblinding" happen on the encryption devices. The techniques used for blinding signatures were adapted to prevent attackers from knowing the input to the modular exponentiation function for Diffie-Hellman or RSA. Blinding must be applied with care, for example Rabin–Williams signatures. If blinding is applied to the formatted message but the random value does not honor Jacobi requirements on p and q, then it could lead to private key recovery. A demonstration of the recovery can be seen in CVE-2015-2141 discovered by Evgeny Sidorov. Side-channel attacks allow an adversary to recover information about the input to a cryptographic operation within an asymmetric encryption scheme, by measuring something other than the algorithm's result, e.g., power consumption, computation time, or radio-frequency emanations by a device. Typically these attacks depend on the attacker knowing the characteristics of the algorithm, as well as (some) inputs. In this setting, blinding serves to alter the algorithm's input into some unpredictable state. Depending on the characteristics of the blinding function, this can prevent some or all leakage of useful information. Note that security depends also on the resistance of the blinding functions themselves to side-channel attacks. == Examples == In RSA blinding involves computing the blinding operation E(x) = (xr)e mod N, where r is a random integer between 1 and N and relatively prime to N (i.e. gcd(r, N) = 1), x is the plaintext, e is the public RSA exponent and N is the RSA modulus. As usual, the decryption function f(z) = zd mod N is applied thus giving f(E(x)) = (xr)ed mod N = xr mod N. Finally it is unblinded using the function D(z) = zr−1 mod N. Multiplying xr mod N by r−1 mod N yields x, as desired. When decrypting in this manner, an adversary who is able to measure time taken by this operation would not be able to make use of this information (by applying timing attacks RSA is known to be vulnerable to) as they does not know the constant r and hence has no knowledge of the real input fed to the RSA primitives. Blinding in GPG 1.x

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