• P&G knows that consumers are doing everything in their capacity to avoid ads, and is rethinking how it targets them.

• With the rise of over-the-top streaming, P&G has started to create and commission content specifically for the medium.
• It has also started to unabashedly take strong points of view in its ads, embracing technology and sustainability like never before, because consumers are asking that of brands today. 

From blocking digital ads online to cord-cutting and watching less TV than ever before, consumers are doing everything in their capacity to avoid branded messaging, forcing big advertisers like Procter & Gamble to rethink their advertising strategies.

The consumer-packaged-goods giant knows that traditional marketing is being disrupted and that consumer expectations have evolved, and is trying to reinvent how it reaches its consumers, P&G chief brand officer Marc Pritchard told Business Insider in an interview at the World Economic Forum in Davos, Switzerland, last week.

"Traditional TV continues to decline; digital is being increasingly blocked," he said. What we're doing is reinventing our media, using privacy compliant anonymous consumer IDs to be able to reach people more directly. So we give them ads when they want them, how they want them."

P&G is focusing on creating content for over-the-top streaming platforms

The growth of over-the-top streaming has meant that P&G has started to create and commission content specifically for the medium, said Pritchard. Such content is geared at expressing a certain P&G brand's point-of-view, and sponsoring programs in such a way that it appears not to be an ad at all.

The company just worked with Katie Couric Media, for instance, where it created some short, six-minute news programs with some of its brands — namely Pantene, Olay, and Secret — embedded in them. It has also partnered with Arianna Huffington and Queen Latifah, and hired two black women directors to create content on behalf of the company. Olay basically turned some of their ads into a musical on VaynerMedia.

"The younger generation, in particular, is really looking at ads in a different way," said Pritchard. "Not as we know them and have known them; they're looking at ads with a point of view: what does this brand stand for, who are the people behind it?"

Its brands are also unabashedly taking strong points of view

To that end, P&G's Asian skincare brand SK-II ran a campaign called "Marriage Market Takeover" in China, challenging the convention that women have an "expiration date" as to when they need to get married or when they need to have children. It produced "Expiry Date," a four-minute film encouraging women to change their own destiny.

Taking a point of view doesn't just make for good ads, said Pritchard. It actually yields economic results too. SK-II has been running in double digits since the ad in 2016, he said.

"They create this content, people see it, they search, and then they buy," said Pritchard. "These ads actually turn into purchase intent, which is then sustainable."

And the company is embracing both technology and sustainability

P&G is also trying to make its brands more sustainable. By using Tide and Ariel in the cold wash mode, for example, consumers can turn the temperature down 30 degrees Celsius because 80% of the laundry machine's energy use is heating the water. So just by using that in washes and cold water, they're being sustainable.

"We want to make it easy for people to be sustainable just by using the brand," said Pritchard.

Ultimately, the company is increasingly embracing technology and embedding it into its products in a bid to compete with direct-to-consumer upstarts. With this approach, the technology often replaces the ad or becomes the ad itself, he said. 

Read More: Direct-to-consumer upstarts are challenging big brands, but P&G's Marc Pritchard is trying to beat them at their own game

For example, P&G's skin-care brand Olay worked with artificial-intelligence startup Neurologix to create the Olay Skin Advisor, an AI-powered engine that tells users how old their skin looks. Users take a selfie, which is linked back to a database that gives them their skin's age versus their actual age, plus product recommendations — essentially replacing an ad.

"It's very clear that mass marketing as we know it is being disrupted," he said. "And our focus is to lead that disruption by reinventing brand building."

SEE ALSO: E-commerce is changing product packaging

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• Voice assistants like Amazon's Alexa, Google's Assistant, Apple's Siri, and Microsoft's Cortana, are pegged to trigger a widespread transformation across the retail industry in the years to come.
• The current interest in, and adoption of, voice assistants for commerce is being driven by recent technological breakthroughs, advantages of the tech over existing channels, and the development of voice apps.
• As consumer demand for voice technology mounts, brands offering this functionality throughout the entire customer journey stand to gain in three key ways.

Not too long ago, if your friend had a smart speaker like Amazon’s Alexa or Google's Assistant in their living room, it seemed like a rare novelty. Within a matter of months, however, smart speakers have started becominghousehold staples — and they’re still only at a fraction of their growth potential.

One of the biggest drivers of adoption has been increased functionality. Smart speakers aren’t just changing the music and turning on the lights; they’re helping consumers find new products and make purchases — and they’re quickly becoming a preferred method of shopping.

In fact, nearly a quarter of consumers globally already prefer using a voice assistant over going to a company website or mobile app to shop. This share will jump to 40% by 2021, according to Capgemini.

Consumers are on board with the prompt, convenient nature of shopping with smart speakers — and brands who join them stand to reap massive rewards. The Voice in Retail Report from Business Insider Intelligence, Business Insider’s premium research service, highlights the value voice brings to the shopping funnel and how retailers can implement it throughout the customer journey.

Here are three ways brands can capture consumers with voice technology:

• Driving product purchases: Voice assistants make spending faster and easier when consumers are unable to use their hands. The ability to make a purchase on any channel and the addition of personalized, intelligent elements to the shopping experience are simplifying the transition from product discovery to product purchase.
• Heightening customer loyalty: Brands can leverage voice assistants in the post-purchase phase to track delivery status, automate part of the return process, interact with customer service, offer feedback, and collect consumer behavioral and transactional data.
• Shifting consumers’ spending behaviors: Smart device ownership has a snowball effect, so as the smart device ecosystem reaches the mainstream, consumers will flock to connected cars, smart home devices and appliances, and connected virtual reality and augmented reality (VR/AR) headsets.

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Shoppers are interested in using voice assistants for every stage of the customer journey, from initial product search and discovery to post-purchase customer service and delivery status. And retailers that take advantage of consumers’ desire to leverage voice will be in a stronger position to heighten customer engagement, increase conversion times, drive sales, and boost operational efficiency.

The Voice in Retail Report from Business Insider Intelligence examines the trends driving the adoption of voice commerce, details the role of voice throughout the customer shopping journey, outlines how brands can benefit from implementing voice in their strategies, and explores what's ahead for the technology in retail.

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Bitcoin is everywhere.

The cryptocurrency is seemingly in the news every day as investors and businesses try to understand the future of this digital finance.

But what is Bitcoin all about?

Why is it suddenly on every financial news program?

And what does it mean to you?

Find out the answers to these questions and more in Bitcoin 101, a brand new FREE report from Business Insider Intelligence.

To get your copy of the FREE slide deck, simply click here.

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74 years ago, the Allies beat back the Nazis' last major western offensive — here are 16 photos from the Battle of the Bulge

SEE ALSO: 75 years ago, US Marines waded into 'the toughest battle in Marine Corps history' — here are 25 photos of the brutal fight for Tarawa

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NOW WATCH: The wreckage of a World War II-era US warship that the Navy called the worst disaster at sea has been discovered

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Major logistics providers have long relied on analytics and research teams to make sense of the data they generate from their operations.

But with volumes of data growing, and the insights that can be gleaned becoming increasingly varied and granular, these companies are starting to turn to artificial intelligence (AI) computing techniques, like machine learning, deep learning, and natural language processing, to streamline and automate various processes. These techniques teach computers to parse data in a contextual manner to provide requested information, supply analysis, or trigger an event based on their findings. They are also uniquely well suited to rapidly analyzing huge data sets, and have a wide array of applications in different aspects of supply chain and logistics operations.

AI’s ability to streamline so many supply chain and logistics functions is already delivering a competitive advantage for early adopters by cutting shipping times and costs. A cross-industry study on AI adoption conducted in early 2017 by McKinsey found that early adopters with a proactive AI strategy in the transportation and logistics sector enjoyed profit margins greater than 5%. Meanwhile, respondents in the sector that had not adopted AI were in the red.

However, these crucial benefits have yet to drive widespread adoption. Only 21% of the transportation and logistics firms in McKinsey’s survey had moved beyond the initial testing phase to deploy AI solutions at scale or in a core part of their business. The challenges to AI adoption in the field of supply chain and logistics are numerous and require major capital investments and organizational changes to overcome.

In a new report, BI Intelligence, Business Insider's premium research service, explores the vast impact that AI techniques like machine learning will have on the supply chain and logistics space. We detail the myriad applications for these computational techniques in the industry, and the adoption of those different applications. We also share some examples of companies that have demonstrated success with AI in their supply chain and logistics operations. Lastly, we break down the many factors that are holding organizations back from implementing AI projects and gaining the full benefits of this disruptive technology.

Here are some of the key takeaways from the report:

• The current interest in and early adoption of AI systems is being driven by several key factors, including increased demands from shippers, recent technological breakthroughs, and significant investments in data visibility by the industry’s largest players.
• AI can deliver enormous benefits to supply chain and logistics operations, including cost reductions through reduced redundancies and risk mitigation, improved forecasting, faster deliveries through more optimized routes, improved customer service, and more.
• Legacy players face many substantial obstacles to deploying and reaping the benefits of AI systems, though, including data accessibility and workforce challenges.
• AI adoption in the logistics industry is strongly skewed toward the biggest players, because overcoming these major challenges requires costly investments in updating IT systems and breaking down data silos, as well as hiring expensive teams of data scientists.
• Although AI implementations are unlikely to result in large-scale workforce reductions in the near term, companies still need to develop strategies to address how workers' roles will change as AI systems automate specific functions.

 In full, the report:

• Details the factors driving adoption of AI systems in the supply chain and logistics field.
• Examines the benefits that AI can deliver in reducing costs and shipping times for supply chain and logistics operations.
• Explains the many challenges companies face in implementing AI in their supply chain and logistics operations to reap the benefits of this transformational technology.

Interested in getting the full report? Here are two ways to access it:

1. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >>Learn More Now
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• Acting White House chief of staff Mick Mulvaney appeared on "Face the Nation" on Sunday, where he said President Trump would consider shutting down the government again if he doesn't reach a deal on border security spending, CBS News reported.
• Mulvaney's statement came just 48 hours after Trump ended the longest government shutdown in US history, which left 800,000 federal workers unsure of when their next paychecks would come, INSIDER previously reported.
• President Trump signed a bill on Friday night to reopen the government for three weeks.
• "We'll work with the Democrats and negotiate and if we can't do that, then we'll do, obviously we'll do the emergency because that's what it is. It's a national emergency," Trump said when he signed the bill.

The longest government shutdown in United States history finally ended on Friday, but now, statements from acting White House chief of staff Mick Mulvaney suggest Trump is willing to shut down the government yet again, CBS News reported.

On Sunday, Mulvaney appeared on "Face the Nation," where when asked if the president was prepared to reinstate a shutdown if he doesn't reach a deal with lawmakers regarding border security, Mulvaney said "Yeah, actually I think he is."

Mulvaney added that Trump "doesn't want to shut the government down" and that the President "wants to do this the right way," which is through legislation.

The 35-day government shutdown began after Trump demanded over $5 billion for a border wall between the United States and Mexico, INSIDER previously reported. When Democrats refused to fund the wall, a government shutdown went into effect on December 22, 2018.

Read more:The government shutdown is now the longest on record and the fight between Trump and Democrats is only getting uglier. Here's everything you missed.

As a result of the shutdown, government workers such as Transportation Security Administration (TSA) agents, Federal Aviation Administration employees, and government food inspectors, among others, have worked without pay, INSIDER reported. Other government workers like national park employees have been furloughed, causing human waste and trash to pile up at national park sites.

On Friday, Trump signed a bill ending the shutdown temporarily for three weeks. Considering Mulvaney's comments, however, another government shutdown or even a national state of emergency could be instated if a negotiation isn't reached soon.

Members of Congress have warned against Trump using a national emergency to push through funding for his border wall. "It's just not a good precedent to set," Senator Marco Rubio told Meet the Press moderator Chuck Todd.

Still, Trump claimed illegal immigration cost the United States more than $200 billion a year in 2018, a number he has cited without evidence. On Sunday, Trump similarly tweeted that in 2019 alone, illegal immigration has cost the US more than $18 billion.

"I have no idea where that number comes from," Alex Nowrasteh, an immigration policy analyst at the Cato Institute, a libertarian research organization, previously told Business Insider. "It seems to be conjured out of thin air. I haven't seen any fiscal cost estimates, either reputable or disreputable, that place the number at $200 billion per year."

Visit INSIDER's homepage for more.

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NOW WATCH: We compared Apple's $159 AirPods to Xiaomi's $30 AirDots and the winner was clear

Hype around artificial intelligence has never been higher — and one industry where it has a chance to make a major impact on profits is retail.

Business Insider Intelligence projects that AI will boost profitability in retail and wholesale by nearly 60% by 2035, setting off a wave of excitement and investment among companies.

The areas where AI will have its biggest impact are personalization, search and chatbots.

But as hype and misunderstanding continue to build, it’s become harder than ever to keep sight of the true disruptive potential of AI.

Find out how AI is being implemented in these three areas and how each one can impact revenue in this new FREE slide deck from Business Insider Intelligence.

In this third and final installment of the three-part Future of Retail 2018 series, Business Insider Intelligence takes a hard look at the retail use cases where AI can make an impact, explores noteworthy examples of retailers implementing the technology, and weighs the benefits of investing in AI today.

As an added bonus, you will gain immediate access to our exclusive Business Insider Intelligence Daily newsletter.

To get your copy of the third part of this FREE slide deck, simply click here.

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• Leaders from around the world shared solemn statements online in honor of this year's International Holocaust Remembrance Day.
• The day of remembrance comes amid a surge of anti-semitic incidents in the past two years and rising levels of Holocaust denial.
• High levels of anti-semitic crime and seemingly decreasing awareness of the deaths of nearly 6 million Jews paint an alarming picture among adult populations. 

Leaders from around the world shared solemn statements online in honor of this year's Holocaust Remembrance Day, which comes amid a surge of anti-Semitism and Holocaust denial in recent years.

This year's day of remembrance marks the 74th anniversary of the liberation of those imprisoned at Auschwitz concentration camp, where it's estimated 1 million people died. Hundreds of thousands of mentally ill and disabled people and half a million people of Romani descent were also killed in the Holocaust. Up to 15,000 LGBT people were imprisoned in Nazi concentration camps. 

President Donald Trump's eldest daughter, Ivanka, was the first of America's first family to share her tribute on Twitter, writing that the day marked a chance to "commemorate and honor the lives lost to evil and the strength of those who stood up to confront it." First lady Melania Trump tweeted soon after to "pay tribute to those who were lost and reflect on the tragedy of the Holocaust during World War 2."

In an official statement released Sunday morning, the White House included an American officer's account of a death camp before stating the horrors inflicted by the German Third Reich.

"Six million Jews were systematically slaughtered in horrific ways," the statement read. "The Nazis also enslaved and murdered Slavs, Roma, gays, people with disabilities, religious leaders, and others who courageously opposed their cruel regime."

The statement continued: "the brutality of the Holocaust was a crime against men, women, and children. It was a crime against humanity. It was a crime against God."

The message added that the best remembrance is to "strive to prevent such suffering from happening again."

President Trump tweeted a link to the statement along with a picture of him at Yad Vashem, Israel's memorial to Holocaust victims. Trump has been accused of dog-whistling to anti-Semites during his campaign and presidency. In 2018, he was criticized for his statement marking Holocaust Remembrence Day that didn't mention Jewish people. 

British Prime Minister Theresa May and Labour Leader Jeremy Corbyn both announced they had signed the Holocaust Educational Trust Book of Commitment, a British Holocaust education initiative. 

Corbyn's involvement Sunday comes after he was accused of anti-semitism last year, based on his support for renaming Holocaust Memorial Day and involvement with a 2010 event where a Holocaust survivor compared Israel to Nazism. 

Disturbing findings

Though the holiday was established by the United Nations in 2005 in part to promote Holocaust education, recent surveys have shown that many adults still lack basic knowledge about the genocide.

The anniversary comes after Anti-Semitic incidents surged 57% in the US in 2017, according to figures from the Anti-Defamation League that marked the first time cases were reported in every single state since 2010 and the largest increase in one year.

Fifty-two percent of Americans said incorrectly that Hitler came to power through force. Forty-one percent of Americans and 66% of millennials couldn't say what Auschwitz was.

The survey also found that 22% of millennials said they had never heard of the Holocaust or weren't sure.

A survey released Sunday by the Holocaust Memorial Day Trust found that one in 20 British adults do not believe the Holocaust happened and one in five said they thought fewer than two million were killed, one of the most recent measures of disturbing trends among current Holocaust knowledge.

A 2018 poll conducted by the Conference on Jewish Material Claims Against Germany found several disturbing trends among Americans, including that 31% of the population and 41% of millennials believe that two million or fewer Jews were killed in the Holocaust.

After an October 2018 mass shooting at a Pittsburgh synagogue by a gunman who espoused anti-semitism and support for the Trump administration's anti-immigrant rhetoric online, many haveconnected the rise of hate in America to the president's open disparagement of immigrants and mixed messaging on incidents like the white nationalist Unite the Right rally in Charlottesville.  

SEE ALSO: A UK newspaper promised to pay Melania Trump 'substantial damages' after issuing apology on a mistake-ridden story

DON'T MISS: 'The people want the Truth!': Trump gloats over the loss of American media jobs

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NOW WATCH: MSNBC host Chris Hayes thinks President Trump's stance on China is 'not at all crazy'

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Virtual reality (VR) offers immersive experiences in which users can hear, see, and interact with 360-degree digital environments using head-mounted displays (HMDs) and handheld motion devices. The technology has been historically associated with consumer-facing gaming, but it’s been gaining traction in the enterprise over the past year.

In fact, companies such as Macy’s, Lowe’s, Walmart, and UPS, among others, have all launched new VR programs since 2017. And as more businesses look to tap the technology, this will drive enterprise VR hardware and software revenue to jump 587% to $5.5 billion in 2023, up from an estimated $800 million in 2018, according to Business Insider Intelligence estimates.

This shows that retailers and brands should look into implementing VR as early as possible to better compete with other industry players who’ve started to use the tech, especially in three key areas: sales, employee training, and product development. All of the companies mentioned above are using VR to in at least one of these areas, enabling them to increase product sales, reduce product design costs, or speed up employee training processes, for instance.

In the VR In The Enterprise report, Business Insider Intelligence explores how VR can provide value to retailers and brands in three areas: sales, employee training, and product development.

The report begins by discussing potential pain points the technology addresses for each use case, examining in-depth case studies to illustrate how companies have implemented the technology, and outlining the broader takeaways each use case presents for brands and retailers.

Finally, it looks at some of the potential barriers to further enterprise adoption and how both companies and VR incumbents are actively addressing those obstacles.

The companies mentioned in the report are: Audi, Lowe's, Macy's, McLaren Automotive, Walmart, and UPS, among others.

Here are some key takeaways from the report:

• VR enables consumers in brick-and-mortar stores to make more informed purchases, which could increase sales conversion rates.
• Brands and retailers looking to ramp up their employees quicker should consider bringing VR into their training processes.
• The tech can shorten brands' and retailers' product development life cycles by cutting down on the time associated with building expensive physical prototypes.

In full, the report:

• Identifies key VR vendors and device form factors for businesses to consider.
• Discusses key benefits the tech brings businesses for their sales, training, and product development processes.
• Illustrates those key benefits by discussing real-world case studies from companies and the takeaways from those implementations.

SEE ALSO: When it comes to VR hardware, consumers are balancing price point and experience

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• A majority of Americans are discouraged about the state of the country, according to a recent NBC News/Wall Street Journal poll.
• Just over 60% of respondents said they believe the country is on the "wrong track," and nearly 70% said they felt negative about the current state of the country.
• The results come after the longest shutdown in American history and amid sharp partisan tensions that are put on display almost daily.

The majority of Americans are disappointed with the state of the country, with 63% saying they believe the country is on the "wrong track," according to a new NBC News/Wall Street Journal poll.

Nearly 70% of respondents said they felt negative about the current state of the country, using terms including "downhill,""concerned,""chaos," and "divided" to describe what the felt the next year held for America.

The poll was reportedly conducted before a deal was announced to temporarily end the longest shutdown in American history by President Donald Trump, who a majority of respondents said they blame for the shutdown.

Respondents' negativity mirrors an INSIDER poll that found most Americans saw Trump as responsible for the shutdown and faulted his hardline strategy. 

Read more: Trump's strategy for the government shutdown is a mess and most Americans aren't on board

Trump seemed to be at the center of respondent's negative feelings concerning US policy, but results showed many appreciate his dominant personality traits.

An overwhelming 49% said they felt "not at all confident" that Trump "has the right set of goals and policies." Compare that to 15.5 % in 2008 and 2009 for former president Barack Obama and 21% in 2001 for George W. Bush.

Trump was most highly marked for "being direct and straightforward in communicating with the American people,""changing business as usual in Washington,""being effective and getting things done," and "being a good negotiator."

Ha was rated poorly on being "steady and reliable,""knowledgeable and experienced,""honest and trustworthy," and "having high personal and ethical standards."

SEE ALSO: White House chief of staff says Trump would consider shutting down the government again just 48 hours after ending the longest shutdown in US history

DON'T MISS: Trump tweeted misleading voter fraud statistics, claiming non-citizens voted in Texas

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NOW WATCH: MSNBC host Chris Hayes thinks President Trump's stance on China is 'not at all crazy'

• Every year, several brands attempt to outwit one another with their Super Bowlcommercials.
• But some ads have left an indelible impression on their audiences, carving a space out for themselves in the list of the most unforgettable Super Bowl commercials of all time.
• Here's our list, featuring iconic Super Bowl ads from Apple and Amazon, to Pepsi and Wendy's.

This Super Bowl Sunday, the Los Angeles Rams will take on the New England Patriots, and both teams will have their eyes set on the Lombardi trophy.

But off the field, there will be another battle on your TV screens, as brands attempt to outwit one another with their  Super Bowl commercials.

While the 2019 ad winner is yet to be crowned (here are the brand winners and losers of Super Bowl 2018), it's as good as a time as ever to take a walk down memory lane. Whether heartwarming or funny, sad or downright weird, these commercials left an indelible impression on their audiences.

Here are 12 of the most unforgettable Super Bowl commercials of all time, in no particular order. 

Apple's "1984"

Apple's much-hailed yet very bizarre commercial from 1984 was technically the very first viral ad —making Super Bowl commercials a true phenomena. 

The ad aired only once, but was replayed on news channels across the world for weeks, and contributed to the sale of about $150 million worth of Macintoshes in barely three months.

Talk about a return on investment. 

Watch it below:

Always' "Like a girl"

By recasting a phrase often used as an insult as an empowering message, the award-winning Procter and Gamble spot won hearts everywhere. 

Although a continuation of a campaign that began the previous summer, the spot stood out among a sea of hyper-masculine ads, and won heaps of praise for changing the conversation about what it means to run, throw and do pretty much anything "like a girl."

P&G is continuing to tread on the path of taking stands on important issues, with its Gillette "We Believe" ad being the latest example.

Watch it below:

Doritos "Live the Flavor"

More groundbreaking from an innovation, rather than an audience perspective, this 2007 spot was the first ever crowdsourced Super Bowl spot.

It let Doritos cut down on costs while simultaneously engaging some of its most loyal customers.

Watch it below:

This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here.

The voice app ecosystem is booming. In the US, the number of Alexa skills alone surpassed 25,000 in January 2018, up from just 7,000 the previous January, in categories ranging from music streaming services, to games, to connected home tools.

As voice platforms continue to gain footing in homes via smart speakers — connected devices powered primarily by artificial intelligence (AI)-enabled voice assistants — the opportunity for voice apps is becoming more profound. However, as observed with the rise of mobile apps in the late 2000s, any new digital ecosystem will face significant growing pains, and voice apps are no exception. Thanks to the visual-free format of voice apps, discoverability, monetization, and retention are proving particularly problematic in this nascent space. This is creating a problem in the voice assistant market that could hinder greater uptake if not addressed.

In this report, Business Insider Intelligence, Business Insider's premium research service, explores the two major viable voice app stores. It identifies the three big issues voice apps are facing — discoverability, monetization, and retention — and presents possible short-term solutions ahead of industry-wide fixes.

Here are some of the key takeaways from the report:

• The market for smart speakers and voice platforms is expanding rapidly. The installed base of smart speakers and the volume of voice apps that can be accessed on them each saw significant gains in 2017. But the new format and the emerging voice ecosystems that are making their way into smart speaker-equipped homes is so far failing to align with consumer needs. 
• Voice app development is a virtuous cycle with several broken components. The addressable consumer market is expanding, which is prompting more brands and developers to developer voice apps, but the ability to monetize and iterate those voice apps is limited, which could inhibit voice app growth. 
• Monetization is only one broken component of the voice app ecosystem. Discoverability and user retention are equally problematic for voice app development. 
• While the two major voice app ecosystems — Amazon's and Google's — have some Band-Aid solutions and workarounds, their options for improving monetization, discoverability, and retention for voice apps are currently limited.
• There are some strategies that developers and brands can employ in the near term ahead of more robust tools and solutions.

In full, the report:

• Sizes the current voice app ecosystem. 
• Outlines the most pressing problems in voice app development and evolution in the space by examining the three most damning shortcoming: monetization, discoverability, and retention. 
• Discusses the solutions being offered up by today's biggest voice platforms. 
• Presents workaround solutions and alternative approaches that could catalyze development and evolution ahead of wider industry-wide fixes from the platforms.

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• The smartwatch that makes the most sense for Samsung owners to buy is the new Samsung Galaxy Smartwatch ($279.99-$299.99). 
• Syncing easily to apps like messages, calendars, alarms, Samsung Health, Samsung Pay, and more, it's a powerful and versatile smart companion to your phone. 
• It works hard while maintaining a decent battery life and passing as a stylish analog watch — a couple distinctions the Apple Watch can't claim. 

Despite the constant pressure from my friends to convert to Apple, I like my Samsung phone. Occasionally, however, I've experienced some iPhone envy, at least with respect to its tight and seamless integration with the Apple Watch. 

After the Samsung Galaxy Smartwatch was released in the second half of 2018, Apple owners that started eyeing us with a new tinge of jealousy. A great all-around smartwatch, it boasts numerous features to keep you up-to-date on the notifications you care about, track your health, and much more — plus it has a battery life of longer than a day and a sleek, stylish look that doesn't scream "smartwatch." 

I've tried wearables like Fitbit fitness trackers as well as budget smartwatches under $100, but the Samsung Galaxy Smartwatch is by far the best I've tried yet, and I get why people would pay around $300 for a good wearable. 

Though the smartwatch is technically compatible with both Android and iOS phones, you'll have the best user experience if you pair it with an Android phone, and more specifically, a Samsung phone (I have the Galaxy S9). After I connected the watch to my phone via the Galaxy Wearable app, features like my messages, calendar, and Samsung Health app synced easily, but reviewers with iPhones or other Android phones reported some difficulties or glitches with syncing these basic features.

Since it's not always convenient or appropriate to pull out my phone, I enjoyed the ability to access my digital life from my wrist, from replying to (or deciding to ignore) texts and calls, to skipping a song on Spotify, to reminding myself of the events I have going on that day. The Samsung Health integration was also helpful in nudging me — almost annoyingly so — to tear myself away from the computer screen and take a lap around the office floor, and to be more consistent about working out. Other cool uses of the Samsung Health app include stress tracking, sleep tracking, and guided meditation exercises. 

Making the smartwatch an even more powerful device are Samsung Pay and SmartThings compatibility. With Samsung Pay, you can travel light and simply use your watch to pay for purchases. Meanwhile, you can control smart home devices like security cameras and kitchen appliances from anywhere using the SmartThings app. 

A big draw of this smartwatch is customizability, so I can't tell you the exact combination of apps to use or what watch face to choose (and there are a lot of beautiful and sleek ones to choose from!), but I can say you'll never feel like there aren't enough options or that it's missing an important feature.

While heavy use will affect the battery life, the battery is still surprisingly long-lasting. From what I hear from Apple Watch owners, they have to charge their watch every day, but I only have to charge my Samsung watch every few days. The 46mm version, with its 472 mAh battery, lasts even longer, for four to five days. If battery life is one of your biggest concerns and you like the Silver style, go for the 46mm. 

The rotating bezel bordering the screen also sets this smartwatch apart from the competition, letting you navigate through apps and screens without touching the screen. Concerning the clear and smooth display screen itself, you needn't worry about scratches because it's made from damage-resistant Corning Gorilla Glass. The entire watch is water-resistant, and its overall military-grade durability makes it a practical accessory to wear for everyday life. 

What makes a practical accessory even better is when it doesn't sacrifice aesthetic. You can shop three different styles, like the pretty Rose Gold one above, none of which give away their advanced capabilities within. They also come with silicone bands that can be switched out to other styles and materials. 

It might've taken some time for Samsung to come out with a worthy Apple Watch competitor, but it looks like the effort paid off because you won't find another Samsung-geared smartwatch of this performance and style. 

Shop the Samsung Galaxy Smartwatch 42mm (Rose Gold) for $279.99 here: Best Buy, Target,Samsung

Shop the Samsung Galaxy Smartwatch 42mm (Midnight Black) for $279.99 here: Best Buy, Target, Samsung

Shop the Samsung Galaxy Smartwatch 46mm (Silver) from $297.99 here: Amazon, Samsung

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The healthcare industry is facing disruption due to accelerating technological innovation and growing demand for improved delivery of healthcare and lower costs. Tech startups are leading the way by seizing opportunities in the areas of the industry that are most vulnerable to disruption, including genomics, pharmaceuticals, administration, clinical operations, and insurance.

Venture funds and businesses are taking notice of these startups' potential. In the US, digital health funding reached $1.6 billion in Q1 2018, according to Rock Health — the largest first quarter on record, surpassing the $1.4 billion in venture funding seen in Q1 2016. These high-potential startups provide a glimpse into the future of the healthcare space and demonstrate how we’ll get there.

In this report, a compilation of various notes, Business Insider Intelligence will look at the top startups disrupting US healthcare in four key areas: artificial intelligence (AI), digital therapeutics, health insurance, and genomics. Startups in this report were selected based on the funding they've received over the past year, notable investors, the products they offer, and leadership in their functional area.

Here are some of the key takeaways from the report:

• Tech startups are entering the market by applying the “Silicon Valley” approach. They're targeting shortcomings and legacy systems that are no longer efficient.
• AI is being applied across five areas of healthcare to improve clinical operation workflows, cut costs, and foster preventative medicine. These areas include administration, big data analysis, clinical decision support, remote patient monitoring, and care provision.
  
• Health tech startups, insurers, and drug makers are rapidly exploring new ways to apply digital therapeutics to the broader healthcare market that replace or complement the existing treatment of a disease.
• Health insurance startups are taking advantage of the consumerization of healthcare to threaten the status quo of legacy players. 
• Genomics is becoming an increasingly common tool within the healthcare system as health organizations better understand how to extract the value from patients’ genetic data. 

 In full, the report:

• Details the areas of the US health industry that show the greatest potential for disruption.
• Forecasts the industry adoption of bleeding edge technology and how it will transform how healthcare organizations operate.
• Unveils the top five startups in AI, digital therapeutics, health insurance, and genomics, and how they're positioned to solve big issues that key players in healthcare face. 
• Explores what's next for the leading startups, providing a glimpse into the future of the healthcare space and demonstrating how we’ll get there.

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Drones — also commonly referred to as unmanned aircraft — are no longer a cool, new novelty that companies in only a handful of industries are testing.

Businesses across various industries and levels of government in the US are utilizing at least a handful of drones. But more importantly, drone users are now realizing a deep return on their investments from the aircraft's ability to help save hours of time and labor.

However, to successfully get a drone program up and running, businesses need to have an idea of what they want the aircraft to do, and the value they hope to create. To that end, companies need to know what their competitors are doing with the aircraft so they can plan their own projects accordingly.

In this report, Business Insider Intelligence details how unmanned aircraft are disrupting a slew of different industries, including agriculture, construction and mining, insurance, media and telecommunications, and the public sector. We also size the market for global enterprise drone shipments, and pinpoint the features that make drones useful tools within different industries. Lastly, we make predictions for how drone use in these industries will evolve over the next five to 10 years and to what extent their impact will be magnified over this period.

Here are some of the key takeaways:

• Since the Federal Aviation Administration (FAA) implemented its Part 107 regulations for unmanned aircraft in August 2016, the commercial drone industry in the US has taken off. 
• Companies across the US have rushed to deploy drones to cut costs, boost operational efficiency, and open up new streams of revenue. Meanwhile, firms elsewhere in the world have taken notice and ramped up their own drone projects.
• Unmanned aircraft have the potential to create the greatest business value in the construction, mining, and agriculture industries. The agriculture industry was a relatively early adopter of drones, and today one-third of farmers in the US plan to use at least one drone this year. Meanwhile, drones will have a less significant, yet noticeable, impact on media, telecommunications, and insurance businesses.
• Drones will lead these industries to become highly data-driven in the coming years, making the aircraft a must-have for companies to keep pace with their competitors. They will allow businesses to synthesize and analyze trends in their workflows to bolster their operational efficiency and predict problems before they happen.

In full, the report:

• Analyzes the development of drone use across five different industries.
• Offers a look at how drone use in these industries will evolve over the coming years.
• Sizes the market for enterprise drone shipments over a seven-year period, both in the US and abroad.

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This is a preview of the Influencer Marketing (2018) research report from Business Insider Intelligence. To learn more about the top platforms, as well as strategies for social media influencer marketing, click here. Current subscribers can read the report here.

The concept of a brand hiring a popular personality to promote a product or service isn't new, and brands know that celebrity endorsements can sell products. In the age of social media, however, brands are finding new ways to leverage popular figures as brand ambassadors, and these people aren't necessarily famous actors, singers, or athletes.

How brands are leveraging social media influencer marketing

While brands certainly continue to tap celebrities for endorsement deals, they’re also starting to enlist social media personalities, broadly known as “influencers,” for advertising campaigns. Social influencers generally focus on specific content areas — like fashion, beauty, parenting, or gaming — and cater their content to a specific vertical.

A new report from BI Intelligence, Business Insider's premium research service, identifies the ways brands can find and manage relationships with social media influencers. It notes the most engaging industry verticals, the pitfalls to avoid, and the opportunities to cash-in on. Finally, it explores how major social platforms are increasingly building out tools that enable their most popular users to build their personal brands.

Here are some of the key takeaways from the report:

• Influencer marketing ad spend is poised to reach between $5 billion and $10 billion in 2022. Taking the midpoint of $7.5 billion as a base case, this represents a five-year compound annual growth rate (CAGR) of 38%.
• Brands need to fine-balance providing influencers with enough creative freedom, while also ensuring the messaging positively reflects the brand. Nearly 40% of influencers believe that overly restrictive content guidelines are one of the biggest mistakes brands and agencies make when working with them. 
• Influencers tend to have higher user engagement than content generated by brands. The average influencer engagement rate across industry verticals is 5.7%. As a comparison, the average engagement rate for brands on Instagram has fluctuated between 2-3% in the past year. 
• Authenticity is key for influencer marketing messaging. Brands should give influencers sufficient creative freedom to keep posts authentic, as it makes posts less likely to be dismissed by users. Other best practices include repurposing influencer content for multiple platforms, evaluating the audience and following of an influencer, and leveraging data to optimize future campaigns. 

 In full, the report:

• Outlines recent steps the top social platforms are taking for influencer posts.
• Details the best practices brands should adopt when starting out with influencer marketing. 
• Discusses the top verticals that are poised to benefit the most from influencer marketing, and which ones are growing. 
• Highlights the factors that will be critical for compliance with social platforms and the FTC.

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This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here.

An increasing number of wealth managers are using new technologies to make their operations more efficient and to increase customer satisfaction.

The technologies they are implementing include robotic process automation (RPA), chatbots, machine learning, application programming interfaces (APIs), and explainable AI.

In this report, Business Insider Intelligence analyzes how emerging technologies like RPA and AI are transforming the wealth management industry, on both the front and back end, by increasing efficiency and opening up the space to new demographics. We explain how both incumbents and startups are applying these technologies to different business areas, and how successful they've been at implementation. Additionally, we take a look at the challenges wealth managers are facing as they look to revamp their businesses for the digital age.

Here are some of the key takeaways from the report:

• Startup wealth managers and digitally savvy technology suppliers are bringing emerging technologies to the fore to make wealth management more time- and cost-efficient. These include RPA, machine learning, and AI. Big players in the space are also beginning to wake up to those opportunities.
• The technologies can improve consumer-facing elements of wealth management, like onboarding and customer service, to increase customer satisfaction.
• Machine learning and APIs can help wealth managers improve functions like portfolio management and compliance, and help them better stay on top of regulations, and increase customer satisfaction by offering improved and additional services.
• However, there are some challenges wealth managers are facing when implementing these tools, ranging from a lack of customer trust in emerging technologies to difficulty finding appropriate talent.

 In full, the report:

• Outlines how the wealth management industry is implementing emerging technologies.
• Details which technologies they are using, and what their specific benefits are. 
• Discusses the potential challenges wealth managers are facing when implementing new technologies.
• Highlights what wealth managers need to do to stay relevant in the field.

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	This report and more than 250 other expertly researched reports
	Access to all future reports and daily newsletters
	Forecasts of new and emerging technologies in your industry
	And more!

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The Insider Picks team writes about stuff we think you'll like. Business Insider may receive a commission from The Points Guy Affiliate Network.

• For a limited time, Capital One is offering incredibly high sign-up bonuses for Spark Business cards.
• The Capital One Spark Miles for Business card is offering up to 200,000 miles, broken into two pieces: 50,000 miles after spending $5,000 in the first three months, and an additional 150,000 miles after spending $50,000 in the first six months.
• While you can't transfer miles with this card, the Capital One Spark Cash for Business is also offering an improved limited time sign-up bonus. You can earn $500 after spending $5,000 in the first three months, and an additional $1,500 after spending $50,000 in the first six months.
• Bonuses this big don't come along often. If you're interested, time is running out. Apply by January 28 to lock in this bonus opportunity for your business.

Capital One offers a wide range of great credit cards, including the popular Spark Business cards.

The Capital One Spark Cash for Business card currently offers an up to $2,000 cash-back sign-up bonus— $500 when you spend $5,000 in the first three months of opening your account, and the other $1,500 after spending $50,000 within the first six months.

The Capital One Spark Miles for Business card offers up to 200,000 miles— 50,000 miles when you spend $5,000 in the first three months of opening your account, and the other 150,000 miles after you spend $50,000 within the first six months.

These offers end on January 28, 2019, so if you want to take home these huge bonuses, you have to act fast.

Let's take a look at these two Capital One business credit cards to see if they make sense for you.

Limited-time bonus offers

The Capital One Spark Cash for Business and Capital One Spark Miles for Business are two competitive cards with simple and valuable rewards. For businesses that spend around $8,000 per month or more, you should be able to easily bring home a bonus worth $2,000 in cash back or 200,000 miles.

For the Spark Cash card, you can earn $500 after spending $5,000 in the first three months and an additional $1,500 when you reach the $50,000 milestone within the first six months of opening a new account.

For Spark Miles, you can earn 50,000 miles when you spend $5,000 in the first three months and an additional 150,000 once you hit $50,000 in purchases within the first six months of opening a new account.

To earn the just the $500/50,000 miles bonus, you'll need to spend an average of $1,667 per month for the first three months. Earning the full $2,000/200,000 requires a bigger $8,333 per month over the full six months.

If you don't spend near $8,000 per month, it may be tough to earn the full bonus offer. If your business is close, consider pre-paying for things like insurance, inventory, utilities, and other expenses you can put on a card to help you get past the $50,000 mark within the six-month period.

Read more: 10 lucrative credit card deals new cardholders can get in January 2019 — including the best Southwest offer we've ever seen

Cash and travel rewards for regular purchases

Outside of the bonus, these cards offer flat-rate rewards on each purchase. Spark Cash offers 2% cash back and Spark Miles offers 2x miles per dollar. While you may be able to beat these rates with bonus categories on some cards, you can't beat 2% or 2x miles flat rate on all purchases.

You can redeem cash-back rewards logging into your online Capital One account. You can even set an automatic payout threshold so you only have to set it up once! You may have additional redemption options for your cash-back rewards.

For travel rewards, miles are worth 1 cent each. You can redeem them as a statement credit to reimburse yourself for any travel purchase. That means you can buy your plane ticket or hotel room like normal, then log into your online account to effectively erase the charge from your statement.

At 1 cent per mile, the value of cash-back rewards and travel rewards is equal between the two cards. With that in mind, the cash-back card may be a little better than the travel one for most users, as you have more flexible options to use your rewards and don't miss out on opportunities for bigger value with travel awards.

Is the annual fee worth it?

Both of these cards charge a $95 annual fee, which is waived the first year. If you earn the full $2,000/200,000 bonus, you have paid for 21 years of annual fees with the bonus alone. Even if you only get the $500/50,000, you have covered six years of fees.

Plus, you earn your 2 cents or 2x miles per dollar on purchases counted toward the bonus and beyond. You have to spend $4,750 per year to earn enough rewards to cover the fee, not including the bonus. Any purchases you make beyond that is like earning an extra profit for your business!

Other important considerations with Capital One Spark

Spark Business cards also offer valuable purchase and travel benefits. Those include no foreign transaction fees, rental car insurance, purchase protection, extended manufacturer warranties, and emergency travel assistance.

If you pay off the card in full each month, you don't have to pay interest on any credit card. That means you can use this card and just earn valuable benefits without paying anything but the annual fee as long as you avoid late payments and cash advances.

Does Capital One Spark Business make sense for your business?

Depending on your preferences on how you earn rewards and where you spend most, Capital One's Spark Business cards may be a great fit for your business. If you spend enough to bring home the $2,000 or 200,000-mile bonus, either of these cards becomes a no-brainer. Of course you should sign up and get that massive bonus!

Bonuses this big don't come along often. If you're interested, time is running out. Apply by January 28 to lock in this bonus opportunity for your business.

Keep in mind that we're focusing on the rewards and perks that make these cards great options, not things like interest rates and late fees, which can far outweigh the value of any rewards.

When you're working to earn credit card rewards, it's important to practice financial discipline, like paying your balances off in full each month, making payments on time, and not spending more than you can afford to pay back. Basically, treat your credit card like a debit card.

Click here to learn more about the Capital One Spark Cash for Business from Insider Picks' partner: The Points Guy.

Click here to learn more about the Capital One Spark Miles for Business from Insider Picks' partner: The Points Guy.

SEE ALSO: The Capital One Savor offers 4% cash back on dining and entertainment — here's how much the average American saves each year with the card

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This is a preview of the “Global Fintech Landscape” premium research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence,  click here.

Since sprouting in the US and UK around 10 years ago, fintech has spread globally. Now, after years of proliferation, countries around the world are starting to see their fintech industries mature. Additionally, we continue to see the emergence of new hotbeds for fintech. This indicates that the space is still far from being fully developed, and that there are many new ways in which startups and their technologies continue to change financial services.

The fact that many new players are emerging in the space also suggests that attention is shifting away from the main countries where fintech is prevalent, and that investors are seeing the potential of newer, conventionally untapped markets.

The spread of fintech can be largely seen in the emergence of fintech hubs — cities where startups, talent, and funding congregate — which are proliferating globally in tandem with ongoing disruption in financial services. These hubs are all vying to become established fintech centers in their own right, and want to contribute to the broader financial services ecosystem of the future. Their success depends on a variety of factors, including access to funding and talent, as well as the approach of relevant regulators.

In this report, Business Insider Intelligence compiles various fintech snapshots, which together show the global proliferation of fintech, and illustrate where fintech is starting to mature and where it is just breaking onto the scene. Each snapshot provides an overview of the fintech industry in a particular country, and details what is contributing to or hindering its further development. We also include notable fintechs in each geography, and discuss what the opportunities or challenges are for that particular domestic industry.

Here are some of the key takeaways from the report:

• Besides the US and UK, there are plenty of other countries developing strong fintech hubs. Australia, Switzerland, and China, which are profiled in this report, have managed to leverage their stable financial centers of Sydney, Zurich, and Shanghai, respectively, to spur fintech development and attract funding.
• There are also a number of emerging fintech markets, including Brazil, Israel, and Canada, that are likely to play a big part in the global fintech ecosystem in the future. These countries have nascent but rapidly developing fintech hubs, as well as supportive regulatory environments, that could help them cement strong positions in the broader fintech scene.
• Many more fintech hubs will likely morph into big fintech players. This could push investors to increasingly wake up to the opportunities in new markets, leading fintech funding to become more diversified in the future, particularly outside of the UK and US.

 In full, the report:

• Outlines how the fintech industry has changed over the past 10 years.
• Details which cities are the most likely to succeed as fintech hubs at present and going forward.
• Highlights notable fintech startups in each of these markets.
• Discusses the potential opportunities and challenges these countries are facing today and in the future.

Interested in getting the full report? Here are two ways to access it:

1. Purchase & download the full report from our research store. >>Purchase & Download Now
2. Subscribe to a Premium pass to Business Insider Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> Learn More Now

The choice is yours. But however you decide to acquire this report, you've given yourself a powerful advantage in your understanding of the fast-moving world of Fintech.

SEE ALSO: Latest fintech industry trends, technologies and research from our ecosystem report

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• President Trump signed a temporary funding bill that ended the longest government shutdown in history, but news continued throughout the weekend.
• Last week, former Trump associate Roger Stone was arrested. Lawmakers and Stone himself commented on the affair throughout Saturday and Sunday.
• A man who allegedly killed five people on Saturday in Louisiana led police on a manhunt before he was arrested on Sunday. 
• President Trump tweeted numerous misleading statistics Sunday morning.

The news didn't stop this weekend despite the end of the longest government shutdown in American history. 

Trump continued to tweet and fallout continued following the arrest of Roger Stone.

In Louisiana, a 21-year-old allegedly killed five people before leading police on an overnight manhunt. Dakota Theriot, the suspect, was arrested Sunday. Here are the weekend's top headlines. 

Sunday's political shows delved into possible next steps for Roger Stone, Trump's former campaign adviser who was indicted by the special counsel Robert Mueller on Friday.

• Roger Stone, President Donald Trump's longtime ally and informal campaign adviser, remained defiant in a television appearance two days after he was indicted by special counsel Robert Mueller's office.
• Stone, who was indicted Friday on one count of obstruction of justice, five counts of making false statements to the FBI and congressional investigators, and one count of witness tampering, waved off the charges Sunday.
• "I believe that this indictment is thin as p--- on a rock, I'm prepared to fight for my life,"Stone told ABC's "This Week" host George Stephanopoulos.
• Chris Christie, former prosecutor and governor of New Jersey, rebuked Stone's characterization of the indictment as thin, saying "it's not."
• House Intelligence Committee Chairman Adam Schiff said the indictment contained "very specific allegations of lies and witness intimidation" and Stone would "need a much better defense" than his comments Sunday morning.
• Acting Chief of Staff Mick Mulvaney sought to distance the White House from Stone's comments and legal proceedings.
• "The stuff happening with Roger Stone doesn't have anything to do with the White House, doesn't have anything to do with the president and certainly doesn't have anything to do with the staff at the White House," Mulvaney said.

Louisiana police led an overnight manhunt for 21-year-old Dakota Theriot, who is accused of killing 5 people, including his girlfriend and parents.

• On Saturday morning, Theriot, 21, allegedly opened fire at Livingston Parish near Baton Rouge, killing three people, authorities said.
• He then allegedly stole a pick-up truck and drove to nearby Ascension Parish, where he shot and killed two others.
• "This is probably one of the worst domestic violence incidents I've seen in quite a while," Ascension Parish Sheriff Bobby Webre told WBRZ Channel 2.
• Police found and arrested Theriot near Baton Rouge on Sunday. 

Despite a short-term funding bill that reopened the government after its longest shutdown in history, Trump had a busy weekend full of tweets and criticism.

• Conservative pundit Ann Coulter retracted her support for Trump over the bill to reopen the government, calling herself 'a very stupid girl' for supporting him.
• Trump tweeted misleading voter fraud statistics, claiming non-citizens voted in Texas. In reality, it's not immediately clear how many non-citizens voted.
• Trump also doubled down on dubious figures on the cost of illegal immigration.
  
• The White House acting chief of staff Mick Mulvaney said Sunday morning that Trump would consider shutting down the government again.
• Trump and other leaders marked International Holocaust Remembrance Day amid rising anti-Semitism.