AI Face Free

AI Face Free — independent reviews, comparisons, pricing and step-by-step guides on Aizhi.

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  Tandem Money

  Tandem is one of the UK's original challenger banks. Tandem is a digital bank with a mobile app, and no branches. The acquisition of Harrods Bank in 2017 allowed the company to provide services using the former's banking licence. Tandem Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Tandem has offices across the UK in Blackpool, Cardiff, Durham and London, employing over 500 people. == History == The company was founded by Ricky Knox, Matt Cooper and Michael Kent in 2014. In December 2016, Tandem announced that it had secured a £35 million investment from The Sanpower Group, the Chinese company that also owned the department store House of Fraser; however, £29 million of this investment was later revoked by Sanpower over concerns that the Chinese Government would object to the investment following increased restrictions on outbound investment in China. This resulted in a delay in the launch of Tandem's savings products, which, at the time of the revocation, was expected imminently and, more importantly, meant that Tandem volunteered the return of their banking license but retained all other permissions. In April 2018, Tandem launched fixed-term savings accounts, offering one-, two- and three-year terms through its app. === Acquisitions === In August 2017, it was announced that Tandem would fully acquire Harrods Bank, founded in 1893, in a deal that would bring a near-£200m loan book, over £300m of deposits and nearly £80 million of capital. Prior to its sale to Tandem Money, Harrods Bank catered for high-net-worth (HNW) individuals and operated from the Harrods store in Knightsbridge, London. It offered a variety of personal and business current and savings accounts, mortgages, foreign currency and gold bullion trading services. On 7 August 2017, Tandem Money Limited announced a deal to acquire 100% of Harrods Bank Limited shares. The purchase deal closed successfully on 11 January 2018. In March 2018, Tandem agreed to acquire Pariti Technologies Limited, developers of the Pariti money management application. In August 2020 Tandem acquired green home improvement loan specialists Allium Lending Group. It was announced on 8 February 2021 that Tandem had agreed to purchase the mortgage book from private bank Bank and Clients, consisting of 300 B&C customers for an undisclosed amount. In January 2022 Tandem Bank acquired consumer lender Oplo, creating a combined business with £1.2 billion of total assets. In April 2023, it was announced that Tandem had acquired money-sharing app Loop Money. At the time of the purchase, one of Loop's founders – Paul Pester – was also chairman at Tandem. == Features == Tandem Bank offers customers savings, mortgages, personal and secured loans, green home improvement loans and motor finance. In November 2022, the bank launched its new Tandem Marketplace, providing information and resources to help promote greener living.

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  INaturalist

  iNaturalist is an American 501(c)(3) nonprofit social network of naturalists, citizen scientists, and biologists built on the concept of mapping and sharing observations of biodiversity across the globe. iNaturalist may be accessed via its website or from its mobile applications. iNaturalist includes an automated species identification tool, and users further assist each other in identifying organisms from photographs and sound recordings. As of 5 August 2025, iNaturalist users had contributed nearly 300 million observations of plants, animals, fungi, and other organisms worldwide, and 400,000 users were active in the previous 30 days. iNaturalist serves as an important resource of open data for biodiversity research, conservation, and education, describing itself as "an online social network of people sharing biodiversity information to help each other learn about nature." It is the primary application for crowd-sourced biodiversity data in places such as Mexico, southern Africa, and Australia, and the project has been called "a standard-bearer for natural history mobile applications." Most of iNaturalist's software is open source. It has contributed to over 4,000 research papers and is widely used by scientists, land managers, and conservationists worldwide. The platform has also been active in the discovery of new species and rediscovery of species previously assumed to be extinct. == History == iNaturalist began in 2008 as a UC Berkeley School of Information Master's final project of Nate Agrin, Jessica Kline, and Ken-ichi Ueda. Agrin and Ueda continued work on the site with Sean McGregor, a web developer. In 2011, Ueda began collaboration with Scott Loarie, a research fellow at Stanford University and lecturer at UC Berkeley. Ueda and Loarie are the current co-directors of iNaturalist.org. The organization merged with the California Academy of Sciences on 24 April 2014. In 2017, iNaturalist became a joint initiative between the California Academy of Sciences and the National Geographic Society. With these collaborations and growing popularity of the site since 2012, the number of participants and observations has roughly doubled each year. In 2014, iNaturalist reached 1 million observations. Later, as of October 2023, there were 181 million observations (163 million verifiable). On 11 July 2023 iNaturalist announced its status as a newly independent 501(c)(3) nonprofit organization. === Google AI controversy === On 9 June 2025 Google announced that iNaturalist would be part of its "Generative AI Accelerator". This announcement, paired with the initial lack of information on the iNaturalist site, led to outcry from many iNaturalist users in the blog comments and forum, worrying about the consequences for the environment, volunteer engagement, reliability and raised questions about the decision making within iNaturalist, while some saw the backlash as a sign that people want to resist 'corrosive technologies'. PZ Myers, a biology professor who uses iNaturalist in his teaching, published an article on his website Pharyngula stating that "any decision that drives people away and replaces them with a hallucinating bot is a bad decision". == Platforms == Users can interact with iNaturalist in the following ways: through the iNaturalist.org website, through two mobile apps: iNaturalist (iOS/Android) and Seek by iNaturalist (iOS/Android), or through partner organizations such as the Global Biodiversity Information Facility (GBIF) website. On the iNaturalist.org website, visitors can search the public dataset and interact with other people adding observations and identifications. The website provides tools for registered users to add, identify, and discuss observations, write journal posts, explore information about species, create project pages to recruit participation, and coordinate work on their topics of interest. On the iNaturalist mobile app, users can create and share nature observations to the online dataset, explore observations both nearby and around the world, and learn about different species. Seek by iNaturalist, a separate app marketed to families, requires no online account registration and all observations may remain private. Seek incorporates features of gamification, such as providing a list of nearby organisms to find and encouraging the collection of badges and participation in challenges. Seek was initially released in the spring of 2018. == Observations == The iNaturalist platform is based on crowdsourcing of observations and identifications. An iNaturalist observation records a person's encounter with an individual organism at a particular time and place. An iNaturalist observation may also record evidence of an organism, such as animal tracks, nests, or scat. The scope of iNaturalist excludes natural but inert subjects such as geologic or hydrologic features. Users typically upload photos as evidence of their findings, though audio recordings are also accepted, and such evidence is not a strict requirement. Users may share observation locations publicly, "obscure" them to display a less precise location or make the locations completely private. iNaturalist users can add identifications to each other's observations in order to confirm or improve the identification of the observation. Observations are classified as "Casual", "Needs ID" (needs identification), or "Research Grade" based on the quality of the data provided and the community identification process. Any quality of data can be downloaded from iNaturalist and "Research Grade" observations are often incorporated into other online databases such as the Global Biodiversity Information Facility and the Atlas of Living Australia. === Automated species identification === In addition to observations being identified by others in the community, iNaturalist includes an automated species identification tool, first released in 2017. Images can be identified via a computer vision model which has been trained on the large database of the observations on iNaturalist. Multiple species suggestions are typically provided with the suggestion that the software guesses to be most likely is at the top of the list. A broader taxon such as a genus or family is commonly provided if the model is unsure of the species. It is trained once or twice a year, and the threshold for species included in the training set has changed over time. It can be difficult for the model to guess correctly if the species in question is infrequently observed or hard to identify from images alone, or if the image submitted has poor lighting, is blurry, or contains multiple subjects. In February 2023, iNaturalist released v2.1 of its computer vision model, which was trained on a new source model which performed significantly better than the previous models trained using a different source model. In April 2025 iNaturalist released an updated app for iOS, changing the original version to "iNaturalist Classic." == Projects == Users have created and contributed to tens of thousands of different projects on iNaturalist. The platform is commonly used to record observations during bioblitzes, which are biological surveying events that attempt to record all the species that occur within a designated area, and a specific project type on iNaturalist. Other project types include collections of observations by location or taxon or documenting specific types of observations such as animal tracks and signs, the spread of invasive species, roadkill, fishing catches, or discovering new species. In 2011, iNaturalist was used as a platform to power the Global Amphibian and Global Reptile BioBlitzes, in which observations were used to help monitor the occurrence and distribution of the world's reptiles and amphibian species. The US National Park Service partnered with iNaturalist to record observations from the 2016 National Parks BioBlitz. That project exceeded 100,000 observations in August 2016. In 2017, the United Nations Environment Programme teamed up with iNaturalist to celebrate World Environment Day.. In 2022, Reef Ecologic teamed up with iNaturalist to celebrate World Oceans Day. === City Nature Challenge === In 2016, Lila Higgins from the Natural History Museum of Los Angeles County and Alison Young from the California Academy of Sciences co-founded the City Nature Challenge (CNC). In the first City Nature Challenge, naturalists in Los Angeles and the San Francisco Bay Area documented over 20,000 observations with the iNaturalist platform. In 2017, the CNC expanded to 16 cities across the United States and collected over 125,000 observations of wildlife in 5 days. The CNC expanded to a global audience in 2018, with 68 cities participating from 19 countries, with some cities using community science platforms other than iNaturalist to participate. In 4 days, over 17,000 people cataloged over 440,000 nature observations in urban regions around the world. In 2019, the CNC once again expanded, with 35,000 parti

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  Confidential computing

  Confidential computing is a security and privacy-enhancing computational technique focused on protecting data in use. Confidential computing can be used in conjunction with storage and network encryption, which protect data at rest and data in transit respectively. It is designed to address software, protocol, cryptographic, and basic physical and supply-chain attacks, although some critics have demonstrated architectural and side-channel attacks effective against the technology. The technology protects data in use by performing computations in a hardware-based trusted execution environment (TEE). Confidential data is released to the TEE only once it is assessed to be trustworthy. Different types of confidential computing define the level of data isolation used, whether virtual machine, application, or function, and the technology can be deployed in on-premise data centers, edge locations, or the public cloud. It is often compared with other privacy-enhancing computational techniques such as fully homomorphic encryption, secure multi-party computation, and Trusted Computing. Confidential computing is promoted by the Confidential Computing Consortium (CCC) industry group, whose membership includes major providers of the technology. == Properties == Trusted execution environments (TEEs) "prevent unauthorized access or modification of applications and data while they are in use, thereby increasing the security level of organizations that manage sensitive and regulated data". Trusted execution environments can be instantiated on a computer's processing components such as a central processing unit (CPU) or a graphics processing unit (GPU). In their various implementations, TEEs can provide different levels of isolation including virtual machine, individual application, or compute functions. Typically, data in use in a computer's compute components and memory exists in a decrypted state and can be vulnerable to examination or tampering by unauthorized software or administrators. According to the CCC, confidential computing protects data in use through a minimum of three properties: Data confidentiality: "Unauthorized entities cannot view data while it is in use within the TEE". Data integrity: "Unauthorized entities cannot add, remove, or alter data while it is in use within the TEE". Code integrity: "Unauthorized entities cannot add, remove, or alter code executing in the TEE". In addition to trusted execution environments, remote cryptographic attestation is an essential part of confidential computing. The attestation process assesses the trustworthiness of a system and helps ensure that confidential data is released to a TEE only after it presents verifiable evidence that it is genuine and operating with an acceptable security posture. It allows the verifying party to assess the trustworthiness of a confidential computing environment through an "authentic, accurate, and timely report about the software and data state" of that environment. "Hardware-based attestation schemes rely on a trusted hardware component and associated firmware to execute attestation routines in a secure environment". Without attestation, a compromised system could deceive others into trusting it, claim it is running certain software in a TEE, and potentially compromise the confidentiality or integrity of the data being processed or the integrity of the trusted code. == Technical approaches == Technical approaches to confidential computing may vary in which software, infrastructure and administrator elements are allowed to access confidential data. The "trust boundary," which circumscribes a trusted computing base (TCB), defines which elements have the potential to access confidential data, whether they are acting benignly or maliciously. Confidential computing implementations enforce the defined trust boundary at a specific level of data isolation. The three main types of confidential computing are: Virtual machine isolation Application isolation, also known as process isolation Function isolation, also known as library isolation Virtual machine isolation removes the elements controlled by the computer infrastructure or cloud provider, but allows potential data access by elements inside a virtual machine running on the infrastructure. Application or process isolation permits data access only by authorized software applications or processes. Function or library isolation is designed to permit data access only by authorized subroutines or modules within a larger application, blocking access by any other system element, including unauthorized code in the larger application. == Threat model == As confidential computing is concerned with the protection of data in use, only certain threat models can be addressed by this technique. Other types of attacks are better addressed by other privacy-enhancing technologies. === In scope === The following threat vectors are generally considered in scope for confidential computing: Software attacks: including attacks on the host’s software and firmware. This may include the operating system, hypervisor, BIOS, other software and workloads. Protocol attacks: including "attacks on protocols associated with attestation as well as workload and data transport". This includes vulnerabilities in the "provisioning or placement of the workload" or data that could cause a compromise. Cryptographic attacks: including "vulnerabilities found in ciphers and algorithms due to a number of factors, including mathematical breakthroughs, availability of computing power and new computing approaches such as quantum computing". The CCC notes several caveats in this threat vector, including relative difficulty of upgrading cryptographic algorithms in hardware and recommendations that software and firmware be kept up-to-date. A multi-faceted, defense-in-depth strategy is recommended as a best practice. Basic physical attacks: including cold boot attacks, bus and cache snooping and plugging attack devices into an existing port, such as a PCI Express slot or USB port. Basic upstream supply-chain attacks: including attacks that would compromise TEEs through changes such as added debugging ports. The degree and mechanism of protection against these threats varies with specific confidential computing implementations. === Out of scope === Threats generally defined as out of scope for confidential computing include: Sophisticated physical attacks: including physical attacks that "require long-term and/or invasive access to hardware" such as chip scraping techniques and electron microscope probes. Upstream hardware supply-chain attacks: including attacks on the CPU manufacturing process, CPU supply chain in key injection/generation during manufacture. Attacks on components of a host system that are not directly providing the capabilities of the trusted execution environment are also generally out-of-scope. Availability attacks: confidential computing is designed to protect the confidentiality and integrity of protected data and code. It does not address availability attacks such as Denial of Service or Distributed Denial of Service attacks. == Use cases == Confidential computing can be deployed in the public cloud, on-premise data centers, or distributed "edge" locations, including network nodes, branch offices, industrial systems and others. === Data privacy and security === Confidential computing protects the confidentiality and integrity of data and code from the infrastructure provider, unauthorized or malicious software and system administrators, and other cloud tenants, which may be a concern for organizations seeking control over sensitive or regulated data. The additional security capabilities offered by confidential computing can help accelerate the transition of more sensitive workloads to the cloud or edge locations. === Multi-party analytics === Confidential computing can enable multiple parties to engage in joint analysis using confidential or regulated data inside a TEE while preserving privacy and regulatory compliance. In this case, all parties benefit from the shared analysis, but no party's sensitive data or confidential code is exposed to the other parties or system host. Examples include multiple healthcare organizations contributing data to medical research, or multiple banks collaborating to identify financial fraud or money laundering. Oxford University researchers proposed the alternative paradigm called "Confidential Remote Computing" (CRC), which supports confidential operations in Trusted Execution Environments across endpoint computers considering multiple stakeholders as mutually distrustful data, algorithm and hardware providers. === Confidential generative AI === Confidential computing technologies can be applied to various stages of a generative AI deployments to help increase data or model privacy, security, and regulatory compliance. TEEs and remote attestation can protect the integrity of data during AI model training, keep

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  StyleGAN

  The Style Generative Adversarial Network, or StyleGAN for short, is an extension to the GAN architecture introduced by Nvidia researchers in December 2018, and made source available in February 2019. StyleGAN depends on Nvidia's CUDA software, GPUs, and Google's TensorFlow, or Meta AI's PyTorch, which supersedes TensorFlow as the official implementation library in later StyleGAN versions. The second version of StyleGAN, called StyleGAN2, was published on February 5, 2020. It removes some of the characteristic artifacts and improves the image quality. Nvidia introduced StyleGAN3, described as an "alias-free" version, on June 23, 2021, and made source available on October 12, 2021. == History == A direct predecessor of the StyleGAN series is the Progressive GAN, published in 2017. In December 2018, Nvidia researchers distributed a preprint with accompanying software introducing StyleGAN, a GAN for producing an unlimited number of (often convincing) portraits of fake human faces. StyleGAN was able to run on Nvidia's commodity GPU processors. In February 2019, Uber engineer Phillip Wang used the software to create the website This Person Does Not Exist, which displayed a new face on each web page reload. Wang himself has expressed amazement, given that humans are evolved to specifically understand human faces, that nevertheless StyleGAN can competitively "pick apart all the relevant features (of human faces) and recompose them in a way that's coherent." In September 2019, a website called Generated Photos published 100,000 images as a collection of stock photos. The collection was made using a private dataset shot in a controlled environment with similar light and angles. Similarly, two faculty at the University of Washington's Information School used StyleGAN to create Which Face is Real?, which challenged visitors to differentiate between a fake and a real face side by side. The faculty stated the intention was to "educate the public" about the existence of this technology so they could be wary of it, "just like eventually most people were made aware that you can Photoshop an image". The second version of StyleGAN, called StyleGAN2, was published on February 5, 2020. It removes some of the characteristic artifacts and improves the image quality. In 2021, a third version was released, improving consistency between fine and coarse details in the generator. Dubbed "alias-free", this version was implemented with PyTorch. === Illicit use === In December 2019, Facebook took down a network of accounts with false identities, and mentioned that some of them had used profile pictures created with machine learning techniques. == Architecture == === Progressive GAN === Progressive GAN is a method for training GAN for large-scale image generation stably, by growing a GAN generator from small to large scale in a pyramidal fashion. Like SinGAN, it decomposes the generator as G = G 1 ∘ G 2 ∘ ⋯ ∘ G N {\displaystyle G=G_{1}\circ G_{2}\circ \cdots \circ G_{N}} , and the discriminator as D = D N ∘ D N − 1 ∘ ⋯ ∘ D 1 {\displaystyle D=D_{N}\circ D_{N-1}\circ \cdots \circ D_{1}} . During training, at first only G N , D N {\displaystyle G_{N},D_{N}} are used in a GAN game to generate 4x4 images. Then G N − 1 , D N − 1 {\displaystyle G_{N-1},D_{N-1}} are added to reach the second stage of GAN game, to generate 8x8 images, and so on, until we reach a GAN game to generate 1024x1024 images. To avoid discontinuity between stages of the GAN game, each new layer is "blended in" (Figure 2 of the paper). For example, this is how the second stage GAN game starts: Just before, the GAN game consists of the pair G N , D N {\displaystyle G_{N},D_{N}} generating and discriminating 4x4 images. Just after, the GAN game consists of the pair ( ( 1 − α ) + α ⋅ G N − 1 ) ∘ u ∘ G N , D N ∘ d ∘ ( ( 1 − α ) + α ⋅ D N − 1 ) {\displaystyle ((1-\alpha )+\alpha \cdot G_{N-1})\circ u\circ G_{N},D_{N}\circ d\circ ((1-\alpha )+\alpha \cdot D_{N-1})} generating and discriminating 8x8 images. Here, the functions u , d {\displaystyle u,d} are image up- and down-sampling functions, and α {\displaystyle \alpha } is a blend-in factor (much like an alpha in image composing) that smoothly glides from 0 to 1. === StyleGAN === StyleGAN is designed as a combination of Progressive GAN with neural style transfer. The key architectural choice of StyleGAN-1 is a progressive growth mechanism, similar to Progressive GAN. Each generated image starts as a constant 4 × 4 × 512 {\displaystyle 4\times 4\times 512} array, and repeatedly passed through style blocks. Each style block applies a "style latent vector" via affine transform ("adaptive instance normalization"), similar to how neural style transfer uses Gramian matrix. It then adds noise, and normalize (subtract the mean, then divide by the variance). At training time, usually only one style latent vector is used per image generated, but sometimes two ("mixing regularization") in order to encourage each style block to independently perform its stylization without expecting help from other style blocks (since they might receive an entirely different style latent vector). After training, multiple style latent vectors can be fed into each style block. Those fed to the lower layers control the large-scale styles, and those fed to the higher layers control the fine-detail styles. Style-mixing between two images x , x ′ {\displaystyle x,x'} can be performed as well. First, run a gradient descent to find z , z ′ {\displaystyle z,z'} such that G ( z ) ≈ x , G ( z ′ ) ≈ x ′ {\displaystyle G(z)\approx x,G(z')\approx x'} . This is called "projecting an image back to style latent space". Then, z {\displaystyle z} can be fed to the lower style blocks, and z ′ {\displaystyle z'} to the higher style blocks, to generate a composite image that has the large-scale style of x {\displaystyle x} , and the fine-detail style of x ′ {\displaystyle x'} . Multiple images can also be composed this way. === StyleGAN2 === StyleGAN2 improves upon StyleGAN in two ways. One, it applies the style latent vector to transform the convolution layer's weights instead, thus solving the "blob" problem. The "blob" problem roughly speaking is because using the style latent vector to normalize the generated image destroys useful information. Consequently, the generator learned to create a "distraction" by a large blob, which absorbs most of the effect of normalization (somewhat similar to using flares to distract a heat-seeking missile). Two, it uses residual connections, which helps it avoid the phenomenon where certain features are stuck at intervals of pixels. For example, the seam between two teeth may be stuck at pixels divisible by 32, because the generator learned to generate teeth during stage N-5, and consequently could only generate primitive teeth at that stage, before scaling up 5 times (thus intervals of 32). This was updated by the StyleGAN2-ADA ("ADA" stands for "adaptive"), which uses invertible data augmentation. It also tunes the amount of data augmentation applied by starting at zero, and gradually increasing it until an "overfitting heuristic" reaches a target level, thus the name "adaptive". === StyleGAN3 === StyleGAN3 improves upon StyleGAN2 by solving the "texture sticking" problem, which can be seen in the official videos. They analyzed the problem by the Nyquist–Shannon sampling theorem, and argued that the layers in the generator learned to exploit the high-frequency signal in the pixels they operate upon. To solve this, they proposed imposing strict lowpass filters between each generator's layers, so that the generator is forced to operate on the pixels in a way faithful to the continuous signals they represent, rather than operate on them as merely discrete signals. They further imposed rotational and translational invariance by using more signal filters. The resulting StyleGAN-3 is able to generate images that rotate and translate smoothly, and without texture sticking.

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  Public computer

  A public computer (or public access computer) is any of various computers available in public areas. Some places where public computers may be available are libraries, schools, or dedicated facilities run by government. Public computers share similar hardware and software components to personal computers, however, the role and function of a public access computer is entirely different. A public access computer is used by many different untrusted individuals throughout the course of the day. The computer must be locked down and secure against both intentional and unintentional abuse. Users typically do not have authority to install software or change settings. A personal computer, in contrast, is typically used by a single responsible user, who can customize the machine's behavior to their preferences. Public access computers are often provided with tools such as a PC reservation system to regulate access. The world's first public access computer center was the Marin Computer Center in California, co-founded by David and Annie Fox in 1977. == Kiosks == A kiosk is a special type of public computer using software and hardware modifications to provide services only about the place the kiosk is in. For example, a movie ticket kiosk can be found at a movie theater. These kiosks are usually in a secure browser with zero access to the desktop. Many of these kiosks may run Linux, however, ATMs, a kiosk designed for depositing money, often run Windows XP. == Public computers in the United States == === Library computers === In the United States and Canada, almost all public libraries have computers available for the use of patrons, though some libraries will impose a time limit on users to ensure others will get a turn and keep the library less busy. Users are often allowed to print documents that they have created using these computers, though sometimes for a small fee. ==== Privacy ==== Privacy is an important part of the public library institution, since the libraries entitle the public to intellectual freedom. Use of any computer or network may create records of users' activities that can jeopardize their privacy. It is possible for a patron to jeopardize their privacy if they do not delete cache, clear cookies, or documents from the public computer. In order for a member of the public to remain private on a computer, the American Library Association (ALA) has guidelines. These give patrons an idea of the right way to keep using public library computers. In their provision of services to library users, librarians have an ethical responsibility, expressed in the ALA Code of Ethics, to preserve users' right to privacy. A librarian is also responsible for giving users an understanding of private patron use and access. Libraries must ensure that users have the following rights when browsing on public computers: the computer automatically will clear a users history; libraries should display privacy screens so users do not see another patron's screen; updating software for effective safety measures; restoration data software to clear documents that users may have left on their computers and to combat possible malware; security practices; and making users aware of any possible monitoring of their browsing activities. Users can also view the Library Privacy Checklist for Public Access Computers and Networks to better understand what libraries strive for when protecting privacy. === School computers === The U.S. government has given money to many school boards to purchase computers for educational applications. Schools may have multiple computer labs, which contain these computers for students to use. There is usually Internet access on these machines, but some schools will put up a blocking service to limit the websites that students are able to access to only include educational resources, such as Google. In addition to controlling the content students are viewing, putting up these blocks can also help to keep the computers safe by preventing students from downloading malware and other threats. However, the effectiveness of such content filtering systems is questionable since it can easily be circumvented by using proxy websites, Virtual Private Networks, and for some weak security systems, merely knowing the IP address of the intended website is enough to bypass the filter. School computers often have advanced operating system security to prevent tech-savvy students from inflicting damage (i.e. the Windows Registry Editor and Task Manager, etc.) are disabled on Microsoft Windows machines. Schools with very advanced tech services may also install a locked down BIOS/firmware or make kernel-level changes to the operating system, precluding the possibility of unauthorized activity.

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  Security awareness

  Security awareness is the knowledge and attitude members of an organization possess regarding the protection of the physical, and especially informational, assets of that organization. However, it is very tricky to implement because organizations are not able to impose such awareness directly on employees as there are no ways to explicitly monitor people's behavior. That being said, the literature does suggest several ways that such security awareness could be improved. Many organizations require formal security awareness training for all workers when they join the organization and periodically thereafter, usually annually. Another main force that is found to have a strong correlation with employees' security awareness is managerial security participation. It also bridges security awareness with other organizational aspects. == Relationship between Security Awareness and Human Factors == Employees' behavior, cognitive biases, and decision-making processes influence the effectiveness of security measures. Research indicates that psychological factors, such as optimism bias, overconfidence, and habitual behaviors, can undermine security awareness initiatives. To address these challenges, organizations are increasingly using behavioral analytics and security nudges—subtle prompts like password reminders and phishing warnings—to encourage secure behavior. Human error remains the leading cause of cybersecurity incidents. A 2023 IBM Security report found that 95% of breaches are due to human mistakes, including falling for phishing emails, using weak passwords, and mishandling sensitive data. Organizations emphasize security awareness training as a key strategy to mitigate this risk. It is particularly important for leadership to foster a culture of cybersecurity and to provide targeted training to increase security awareness among all employees across the organization. == Coverage == Topics covered in security awareness training include: The nature of sensitive material and physical assets they may come in contact with, such as trade secrets, privacy concerns and government classified information Employee and contractor responsibilities in handling sensitive information, including review of employee nondisclosure agreements Requirements for proper handling of sensitive material in physical form, including marking, transmission, storage and destruction Proper methods for protecting sensitive information on computer systems, including password policy and use of two-factor authentication Other computer security concerns, including malware, phishing, social engineering, etc. Workplace security, including building access, wearing of security badges, reporting of Incidents, forbidden articles, etc. Consequences of failure to properly protect information, including potential loss of employment, economic consequences to the firm, damage to individuals whose private records are divulged, and possible civil and criminal penalties Security awareness means understanding that there is the potential for some people to deliberately or accidentally steal, damage, or misuse the data that is stored within a company's computer systems and throughout its organization. Therefore, it would be prudent to support the assets of the institution (information, physical, and personal) by trying to stop that from happening. According to the European Network and Information Security Agency, "Awareness of the risks and available safeguards is the first line of defence for the security of information systems and networks." "The focus of Security Awareness consultancy should be to achieve a long term shift in the attitude of employees towards security, whilst promoting a cultural and behavioural change within an organisation. Security policies should be viewed as key enablers for the organisation, not as a series of rules restricting the efficient working of your business." == Role of Gamification and Interactive Training == Modern security awareness programs increasingly utilize gamification, phishing simulations, and interactive learning modules. Studies have shown that engaging employees through serious games, reward systems, and real-world attack simulations improves retention and application of security practices. One example is phishing simulation training, where employees receive simulated phishing emails to test their ability to recognize threats. Research indicates that repeated exposure to such exercises leads to long-term improvements in security awareness. == Legislation and Compliance Requirements == Many industries mandate security awareness training to comply with regulations such as: General Data Protection Regulation (GDPR) – requires organizations to ensure data protection awareness among employees. Health Insurance Portability and Accountability Act (HIPAA) – mandates security awareness programs for healthcare providers. Payment Card Industry Data Security Standard (PCI-DSS) – enforces security training for businesses handling payment card information. == Measuring security awareness == In a 2016 study, researchers developed a method of measuring security awareness. Specifically they measured "understanding about circumventing security protocols, disrupting the intended functions of systems or collecting valuable information, and not getting caught" (p. 38). The researchers created a method that could distinguish between experts and novices by having people organize different security scenarios into groups. Experts will organize these scenarios based on centralized security themes where novices will organize the scenarios based on superficial themes. Security awareness is also assessed through real-time security metrics, such as tracking phishing click rates, password reuse tendencies, and policy adherence rates. Organizations are adopting continuous monitoring strategies to provide immediate feedback to employees about risky behavior and suggest corrective actions. == Evolving cyber threats and security awareness strategies == As cyber threats continue to evolve, security awareness programs must adapt to new attack vectors, such as AI-driven cyberattacks, deepfakes, and insider threats. ENISA's Threat Landscape report highlights the increasing prominence of these emerging threats, stressing the need for security measures that address both traditional attacks like ransomware and malware, as well as more sophisticated techniques such as Living Off Trusted Sites (LOTS) and advanced evasion methods used by cybercriminals.

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  Computer Dreams

  Computer Dreams is a 1988 film created by Digital Vision Entertainment and released by MPI Home Video. Written, produced and directed by Geoffrey de Valois and hosted by Amanda Pays, it consists primarily of clips and behind-the-scenes work of early computer graphics animation. Notably included are Luxo Jr. and Red's Dream, the first two short films from Pixar. The film is an hour long and features an electronic score by Music Fantastic. It was revised and re-released on DVD as The History of Computer Animation, Volume 2. It won the Winner Gold Special Jury Award at the 1989 Houston International Film Festival, and the 1989 Golden Decade Award from the US Film & Video Festival. Music used includes: Gail Lennon - Desire, Gail Lennon - Like A Dream, Shandi Sinnamon - Making It,

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  Microsoft Support Diagnostic Tool

  The Microsoft Support Diagnostic Tool (MSDT) is a legacy service in Microsoft Windows that allows Microsoft technical support agents to analyze diagnostic data remotely for troubleshooting purposes. In April 2022 it was observed to have a security vulnerability that allowed remote code execution which was being exploited to attack computers in Russia and Belarus, and later against the Tibetan government in exile. Microsoft advised a temporary workaround of disabling the MSDT by editing the Windows registry. == Use == When contacting support the user is told to run MSDT and given a unique "passkey" which they enter. They are also given an "incident number" to uniquely identify their case. The MSDT can also be run offline which will generate a .CAB file which can be uploaded from a computer with an internet connection. == Security vulnerabilities == === Follina === Follina is the name given to a remote code execution (RCE) vulnerability, a type of arbitrary code execution (ACE) exploit, in the Microsoft Support Diagnostic Tool (MSDT) which was first widely publicized on May 27, 2022, by a security research group called Nao Sec. This exploit allows a remote attacker to use a Microsoft Office document template to execute code via MSDT. This works by exploiting the ability of Microsoft Office document templates to download additional content from a remote server. If the size of the downloaded content is large enough it causes a buffer overflow allowing a payload of Powershell code to be executed without explicit notification to the user. On May 30 Microsoft issued CVE-2022-30190 with guidance that users should disable MSDT. Malicious actors have been observed exploiting the bug to attack computers in Russia and Belarus since April, and it is believed Chinese state actors had been exploiting it to attack the Tibetan government in exile based in India. Microsoft patched this vulnerability in its June 2022 patches. === DogWalk === The DogWalk vulnerability is a remote code execution (RCE) vulnerability in the Microsoft Support Diagnostic Tool (MSDT). It was first reported in January 2020, but Microsoft initially did not consider it to be a security issue. However, the vulnerability was later exploited in the wild, and Microsoft released a patch for it in August 2022. The vulnerability is caused by a path traversal vulnerability in the sdiageng.dll library. This vulnerability allows an attacker to trick a victim into opening a malicious diagcab file, which is a type of Windows cabinet file that is used to store support files. When the diagcab file is opened, it triggers the MSDT tool, which then executes the malicious code. Originally discovered by Mitja Kolsek, the DogWalk vulnerability is caused by a path traversal vulnerability in the sdiageng.dll library. This vulnerability allows an attacker to trick a victim into opening a malicious diagcab file, which is a type of Windows cabinet file that is used to store support files. When the diagcab file is opened, it triggers the MSDT tool, which then executes the malicious code. The vulnerability is exploited by creating a malicious diagcab file that contains a specially crafted path. This path contains a sequence of characters that is designed to exploit the path traversal vulnerability in the sdiageng.dll library. When the diagcab file is opened, the MSDT tool will attempt to follow the path. However, the path will contain characters that are not valid for a Windows path. This will cause the MSDT tool to crash. When the MSDT tool crashes, it will generate a memory dump. This memory dump will contain the malicious code that was executed by the MSDT tool. The attacker can then use this memory dump to extract the malicious code and execute it on their own computer. == Retirement == Microsoft will no longer be supporting the Windows legacy inbox Troubleshooters. In 2025, Microsoft will remove the MSDT platform entirely. Get Help is the replacement tool. == Windows versions == Windows 7 Windows 8.1 Windows 10 Windows 11 (up to 22H2) Future versions and feature upgrades will deprecate the MSDT after May 23, 2023.

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  Data-centric AI

  Data-centric AI is an approach within artificial intelligence that emphasizes on improving the quality, consistency and representativeness of the data used to train machine learning models, rather than focusing primarily on optimizing model architectures or algorithms. This idea has gained traction as researchers and practitioners have come to believe that many performance limitations of machine learning systems stem from issues such as noisy labels, biased datasets, and lack of coverage in the data. Data-centric AI involves disciplined approach to data cleaning, augmentation, labeling, and governance that improves model performance and reliability in applications such as computer vision, natural language processing, and further.

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  VOCEDplus

  VOCEDplus is a free international research database about tertiary education, maintained and developed by staff at the c (NCVER) in Adelaide, South Australia. The focus of the database content is the relation of post-compulsory education and training to workforce needs, skills development, and social inclusion. == Structure == The content of the VOCEDplus database encompasses vocational education and training (VET), higher education, lifelong learning, informal learning, VET in schools, adult and community education, apprenticeships/traineeships, international education, providers of education and training, and workforce development. It is international in scope and contains over 84,000 English language records, many with links to full text documents. VOCEDplus contains extensive Australian materials and includes a wide range of international information, covering outcomes of tertiary education in the shape of published research, practice, policy, and statistics. Entries are included for the following types of publications: reports; annual reports; papers; discussion papers; occasional papers; working papers; books; book chapters; conference papers; conference proceedings; journals; journal articles; policy documents; published statistics; theses; podcasts; and teaching and training materials. Each database entry contains standard bibliographic information and an abstract. Many entries include full text access via the publisher's website or a digitised copy. == History == === 1989-1997 === In the early years VOCEDplus was known as VOCED. The original database was produced by a network of clearinghouses across Australia with the aim of sharing activities in the technical and further education (TAFE) sector. VOCED was produced in hardcopy and an electronic version was distributed on diskette. === 1997-2001 === 1997 - the first web version of VOCED was made available from the National Centre for Vocational Education Research (NCVER) organisational website 1998 - a major project to upgrade the database and expand its international coverage commenced 2001 - creation of VOCED's own website 2001 - VOCED endorsed as the UNESCO international database for technical and vocational education and training (TVET) research information === 2001-2009 === Many changes to the database and website occurred during this period with a focus on continuous improvement to meet the needs of users and utilise emerging technologies. 2006 - materials produced for two adult literacy and learning programs funded by the Australian Department of Education, Employment and Workplace Relations (DEEWR) - the Workplace English Language and Learning (WELL) Programme and the Adult Literacy National Project (ALNP) included in VOCED 2007 - the Australian clearinghouse network transferred most of the hardcopy collections to NCVER, to form a centralised repository of resources 2009 - materials produced by Reframing the Future (RTF) a vocational education and training workforce development initiative of the Australian, State and Territory Governments included in VOCED === 2009-2014 === A major rebuild of the database and website was undertaken during this period to take advantage of the potential of new technologies to provide improved services and incorporate Web 2.0 technologies (RSS feeds, and share and bookmark tools). 2009 - scope expanded to more fully encompass the higher education sector 2011 - launch of VOCEDplus with the name change representing the enhanced features and extended focus 2012 - a major retrospective digitisation project commenced and by the end of the 2012-2013 financial year a total of 9,328 publications (593,534 pages/microfiche frames) had been digitised, ensuring these publications are available electronically for free === 2014-2019 === A number of significant curated content products were released during this period. 2015 - release of a refreshed look to adopt the new NCVER branding plus a number of search enhancements (Guided search, Expert search, and Glossary search) were added 2015 - first in the series of 'Focus on...' pages released 2016 - launch of the 'Pod Network', a convenient and efficient platform that allows instant access to research and a multitude of resources on a range of subjects 2017 - completion of the 'Pod Network', consisting of 20 Pods (on broad subjects including Apprenticeships and traineeships, Foundation skills, Teaching and learning, Career development, and Students) and 74 Podlets (on narrow topics including Online learning, Social media, VET in schools, STEM skills, and Adult literacy) 2018 - launch of the 'Timeline of Australian VET Policy Initiatives' and the 'VET Knowledge Bank' which contains a suite of products capturing Australia's diverse, complex and ever-changing VET system 2019 - after an internal review, a refreshed, streamlined version of the 'Pod Network' was released, consisting of 13 Pods and 20 Podlets 2019 - launch of the 'VET Practitioner Resource' which contains a range of information to support VET practitioners in their work and is organised into three sections: (1) Teaching, training and assessment: standards, guidance, research and good practice resources to inform daily work; (2) Practitioners as researchers: information for undertaking practitioner-led research; and (3) The VET workforce: information about VET teachers and trainers, and the professional development needs of the VET workforce 2019 - VOCEDplus celebrated 30 years of providing information to the tertiary education sector and the homepage was refreshed to make it more modern and easier to use === 2020- === VOCEDplus continued to be accessible throughout the COVID-19 pandemic. 2020-2021 - the VET Knowledge Bank added a dedicated page, 'COVID-19 announcements', that showcases the measures introduced by the Australian, state and territory governments to mitigate the impact of the pandemic and promote economic recovery 2020-2024 - published research about the effects of the pandemic on education and training, providers, students, labour markets, employment and employees was collected and made permanently available in the database 2024 - VOCEDplus celebrated 35 years of providing information to the tertiary education sector. The homepage was refreshed and a number of enhancements and new features were implemented including a new My Profile feature, improvements to My Selection, accessible search history and saved searches, enhanced search functionality, and improved navigation.

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  Puck App

  Puck App is a mobile application that allows hockey players to quickly find and rent a hockey goalie. Founded in 2015 in Toronto, the application primarily operates throughout Canada. It is available on Apple's App Store and Google Play. == History == Puck App was founded in 2016 by Niki Sawni. Users can rate the goalies, message with available goalies, and coordinate skill levels. In 2017, Puck App expanded to Western Canada and has over 1,000 goalies registered. In 2018, Puck App charged approximately $40 CDN to rent a goalie with more than 2 hours notice. Previously, Puck App was a competitor to a similar application called GoalieUp. As of 2024, both companies have agreed to a merger deal.

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  Data classification (data management)

  Data classification is the process of organizing data into categories based on attributes like file type, content, or metadata. The data is then assigned class labels that describe a set of attributes for the corresponding data sets. The goal is to provide meaningful class attributes to former less structured information, enabling organizations to manage, protect, and govern their data more effectively. Data classification can be viewed as a multitude of labels that are used to define the type of data, especially on confidentiality and integrity issues. == Approaches == Classification techniques might be used for reports generated by ERP systems or where the data includes specific personal information that is identified. Many organizations also employ context-based classification that considers factors such as data source, user identity, and application context. == Regulatory frameworks == Data classification schemes are mandated or implied by numerous regulatory frameworks that require organizations to identify, categorize, and protect sensitive information according to its level of sensitivity. The Health Insurance Portability and Accountability Act (HIPAA) Security Rule requires covered entities to conduct an accurate and thorough assessment of potential risks and vulnerabilities to the confidentiality, integrity, and availability of protected health information under 45 CFR 164.308(a)(1)(ii)(A), which necessitates classification of data to distinguish protected health information from other organizational data."Security Standards: Administrative Safeguards". U.S. Department of Health and Human Services. Retrieved April 1, 2026. The December 2024 HIPAA Security Rule notice of proposed rulemaking (90 FR 898) would mandate comprehensive technology asset inventories and require mapping of how electronic protected health information moves through an organization, formalizing data classification as an explicit compliance obligation."HIPAA Security Rule To Strengthen the Cybersecurity of Electronic Protected Health Information". Federal Register. January 6, 2025. Retrieved April 1, 2026. NIST Special Publication 800-60 provides guidelines for mapping information types to security categories, establishing a structured methodology for federal agencies to classify data and apply appropriate security controls based on the potential impact of a security breach."NIST SP 800-60 Vol. 1 Rev. 1: Guide for Mapping Types of Information and Information Systems to Security Categories". National Institute of Standards and Technology. August 2008. Retrieved April 1, 2026.

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  Scale-space axioms

  In image processing and computer vision, a scale space framework can be used to represent an image as a family of gradually smoothed images. This framework is very general and a variety of scale space representations exist. A typical approach for choosing a particular type of scale space representation is to establish a set of scale-space axioms, describing basic properties of the desired scale-space representation and often chosen so as to make the representation useful in practical applications. Once established, the axioms narrow the possible scale-space representations to a smaller class, typically with only a few free parameters. A set of standard scale space axioms, discussed below, leads to the linear Gaussian scale-space, which is the most common type of scale space used in image processing and computer vision. == Scale space axioms for the linear scale-space representation == The linear scale space representation L ( x , y , t ) = ( T t f ) ( x , y ) = g ( x , y , t ) ∗ f ( x , y ) {\displaystyle L(x,y,t)=(T_{t}f)(x,y)=g(x,y,t)f(x,y)} of signal f ( x , y ) {\displaystyle f(x,y)} obtained by smoothing with the Gaussian kernel g ( x , y , t ) {\displaystyle g(x,y,t)} satisfies a number of properties 'scale-space axioms' that make it a special form of multi-scale representation: linearity T t ( a f + b h ) = a T t f + b T t h {\displaystyle T_{t}(af+bh)=aT_{t}f+bT_{t}h} where f {\displaystyle f} and h {\displaystyle h} are signals while a {\displaystyle a} and b {\displaystyle b} are constants, shift invariance T t S ( Δ x , Δ y ) f = S ( Δ x , Δ y ) T t f {\displaystyle T_{t}S_{(\Delta x,\Delta _{y})}f=S_{(\Delta x,\Delta _{y})}T_{t}f} where S ( Δ x , Δ y ) {\displaystyle S_{(\Delta x,\Delta _{y})}} denotes the shift (translation) operator ( S ( Δ x , Δ y ) f ) ( x , y ) = f ( x − Δ x , y − Δ y ) {\displaystyle (S_{(\Delta x,\Delta _{y})}f)(x,y)=f(x-\Delta x,y-\Delta y)} semi-group structure g ( x , y , t 1 ) ∗ g ( x , y , t 2 ) = g ( x , y , t 1 + t 2 ) {\displaystyle g(x,y,t_{1})g(x,y,t_{2})=g(x,y,t_{1}+t_{2})} with the associated cascade smoothing property L ( x , y , t 2 ) = g ( x , y , t 2 − t 1 ) ∗ L ( x , y , t 1 ) {\displaystyle L(x,y,t_{2})=g(x,y,t_{2}-t_{1})L(x,y,t_{1})} existence of an infinitesimal generator A {\displaystyle A} ∂ t L ( x , y , t ) = ( A L ) ( x , y , t ) {\displaystyle \partial _{t}L(x,y,t)=(AL)(x,y,t)} non-creation of local extrema (zero-crossings) in one dimension, non-enhancement of local extrema in any number of dimensions ∂ t L ( x , y , t ) ≤ 0 {\displaystyle \partial _{t}L(x,y,t)\leq 0} at spatial maxima and ∂ t L ( x , y , t ) ≥ 0 {\displaystyle \partial _{t}L(x,y,t)\geq 0} at spatial minima, rotational symmetry g ( x , y , t ) = h ( x 2 + y 2 , t ) {\displaystyle g(x,y,t)=h(x^{2}+y^{2},t)} for some function h {\displaystyle h} , scale invariance g ^ ( ω x , ω y , t ) = h ^ ( ω x φ ( t ) , ω x φ ( t ) ) {\displaystyle {\hat {g}}(\omega _{x},\omega _{y},t)={\hat {h}}({\frac {\omega _{x}}{\varphi (t)}},{\frac {\omega _{x}}{\varphi (t)}})} for some functions φ {\displaystyle \varphi } and h ^ {\displaystyle {\hat {h}}} where g ^ {\displaystyle {\hat {g}}} denotes the Fourier transform of g {\displaystyle g} , positivity g ( x , y , t ) ≥ 0 {\displaystyle g(x,y,t)\geq 0} , normalization ∫ x = − ∞ ∞ ∫ y = − ∞ ∞ g ( x , y , t ) d x d y = 1 {\displaystyle \int _{x=-\infty }^{\infty }\int _{y=-\infty }^{\infty }g(x,y,t)\,dx\,dy=1} . In fact, it can be shown that the Gaussian kernel is a unique choice given several different combinations of subsets of these scale-space axioms: most of the axioms (linearity, shift-invariance, semigroup) correspond to scaling being a semigroup of shift-invariant linear operator, which is satisfied by a number of families integral transforms, while "non-creation of local extrema" for one-dimensional signals or "non-enhancement of local extrema" for higher-dimensional signals are the crucial axioms which relate scale-spaces to smoothing (formally, parabolic partial differential equations), and hence select for the Gaussian. The Gaussian kernel is also separable in Cartesian coordinates, i.e. g ( x , y , t ) = g ( x , t ) g ( y , t ) {\displaystyle g(x,y,t)=g(x,t)\,g(y,t)} . Separability is, however, not counted as a scale-space axiom, since it is a coordinate dependent property related to issues of implementation. In addition, the requirement of separability in combination with rotational symmetry per se fixates the smoothing kernel to be a Gaussian. There exists a generalization of the Gaussian scale-space theory to more general affine and spatio-temporal scale-spaces. In addition to variabilities over scale, which original scale-space theory was designed to handle, this generalized scale-space theory also comprises other types of variabilities, including image deformations caused by viewing variations, approximated by local affine transformations, and relative motions between objects in the world and the observer, approximated by local Galilean transformations. In this theory, rotational symmetry is not imposed as a necessary scale-space axiom and is instead replaced by requirements of affine and/or Galilean covariance. The generalized scale-space theory leads to predictions about receptive field profiles in good qualitative agreement with receptive field profiles measured by cell recordings in biological vision. In the computer vision, image processing and signal processing literature there are many other multi-scale approaches, using wavelets and a variety of other kernels, that do not exploit or require the same requirements as scale space descriptions do; please see the article on related multi-scale approaches. There has also been work on discrete scale-space concepts that carry the scale-space properties over to the discrete domain; see the article on scale space implementation for examples and references.

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  Trigger list

  Trigger list in its most general meaning refers to a list whose items are used to initiate ("trigger") certain actions. == United States: Private financial information == In the United States, when a person applies for a mortgage loan, the lender makes a credit inquiry about the potential borrower from the national credit bureaus, Equifax, Experian and TransUnion. Unless the borrower is opted out, the credit bureaus put the applicants onto a "trigger list" of "leads" about persons who are interested in new loans. These lists are sold to numerous lenders all over the United States, and soon after the application the applicant starts receiving offers from all parts of the country. The trigger lists contain a significant amount of personal financial information. Among the buyers of trigger lists are "lead generators" which resell filtered information to borrowers, e.g., of people who live in a certain area and have a certain credit score. While the Federal Trade Commission considers the market of "trigger lists" to be a legal business, many people and organizations (such as the National Association of Mortgage Brokers) consider this a serious breach of privacy and lobby for putting this practice under regulatory controls. As of now, American consumers may opt-out from "trigger lists" by calling 1-888-5-OPTOUT (1-888-567-8688). == Nuclear non-proliferation == The Zangger Committee and the Nuclear Suppliers Group maintain lists of items that may contribute to nuclear proliferation; The nuclear non-proliferation treaty forbids its members to export such items to non-treaty members. these items are said to trigger the countries' responsibilities under the NPT, hence the name.

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  Qapital

  Qapital is a personal finance mobile application (app) for the iOS and Android operating systems, developed by Qapital, LLC. The app is designed to motivate users to save money through a gamification of their spending behavior. It moves money from a user's checking account to a separate Qapital account, when certain rules are triggered. Its database is used by psychology professor Dan Ariely to study consumer behavior. Qapital was released in Sweden in 2013, then in the US in early 2015. The application was later withdrawn from the Swedish market in April 2015, in order to focus on the US market. == History == The idea for Qapital was conceived by ex-bankers in Sweden. The software was designed by twin brothers Daniel and Andreas Källbom of Studio Källbom and released in Sweden in December 2013. The original software was a personal finance dashboard, similar to Mint.com, to show its users how they spent their money. Qapital introduced the app into the US market with a different design in 2014 and started focusing exclusively on the US market. The app was re-designed to focus on building savings rather than managing personal finances. The Swedish version shut down in April 2015. The app was initially restricted to the iOS platform, but an Android version was released at the end of 2015. Shortly after its US launch, Qapital invited psychology professor Dan Ariely to join its team as its "chief behavioral economist". He uses the app's database to conduct research into behavioral economics and Qapital in turn uses Ariely's research in design and programming decisions. In 2017, Qapital added checking and debit card services to the app. == Concept and features == Qapital is a free personal finance app for iOS and Android devices, intended to encourage its users to save money. Qapital directs each of its users to set savings goals, then automatically transfers money from their checking account to an account for savings, when a rule established in the app is met. It uses the "if this then that" (IFTTT) rule-based web-service. For example, one rule could be that if a user purchases a cup of coffee, then the app will round up the charge to the nearest dollar and deposit the difference into savings. Users connect their bank accounts to Qapital, so it knows when purchases are made. When a rule is met, money for savings are transferred to a Qapital account operated in partnership with Lincoln Savings Bank. As of 2015, Qapital can connect to more than 180 other apps, such as Facebook, Twitter, Dropbox and Instagram. For example, connecting to Jawbone allows the user to set a rule that if they take a certain number of steps during the day, a set amount of money is transferred to savings. The app also allows users to monitor activity among their other financial accounts, such as deposits and withdrawals. == Reception == In an October 2015 review, PC Magazine gave Qapital four out of five marks and an editor rating of "excellent." The review praised the app for having a "lovely design" and criticized it for being a, "bit simplistic in some of its rules." Bankrate, in a May 2015 review, gave the app a score of 3/5 for "ease of use," 5/5 for "features," 4/5 for "effectiveness," 4/5 for "value," for a total score of 16/20. The reviewer criticized Qapital's savings account for providing a low-interest rate, but concluded that its numerous features make the app "intriguing" and "it would be difficult to find a standard bank app more fun to use than Qapital."

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