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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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.

Emerging markets are going to be essential for e-commerce growth, as retailers in developed markets may soon reach saturation in terms of consumer growth.

For example, almost half of US households now have a Prime membership, diminishing Amazon's growth potential in the country. Meanwhile, in China, the world's largest e-commerce market, nearly half of the population is actively making online purchases, leaving little room for growth. 

However, India, Southeast Asia, and Latin America are worth keeping an eye on. E-commerce penetration rates in these areas hover between 2-6%, presenting a huge opportunity for future growth as online sales gain traction. Moreover, these regions are expected to grow at compound annual growth rates (CAGRs) of 31%, 32%, and 16%, respectively, through 2021.

This report compiles several e-commerce snapshots, which together highlight the most notable emerging markets in various regions. Each provides an overview of the e-commerce industry in a particular country, discusses influential retailers, and provides insights into the opportunities and challenges for that specific domestic industry.

Here are some of the key takeaways:

• Emerging markets are going to be essential for e-commerce growth, as retailers in developed markets may soon reach saturation in terms of consumer growth.
• India is the clear overall leader in e-commerce potential, but countries in Southeast Asia and Latin America are also worth keeping an eye on. Within Southeast Asia, Indonesia shows the most promise for retailers, as the government is loosening restrictions on foreign investments, and its massive population is gaining spending power and more access to internet. Meanwhile, Mexico is a retailer's best bet for expansion in Latin America, due to its stable economy and rising middle class, but Brazil may be gearing up to steal the top spot.
• However, doing business in these regions can be difficult. In most of these emerging markets, infrastructure is underdeveloped and the population is largely unbanked, making digital payments a challenge.
• If retailers can build a brand presence in these markets while online shopping is still in its nascent stages, they may become market leaders as e-commerce takes off in the regions. Moreover, these markets could provide new sources of growth for companies that would otherwise stagnate in more mature e-commerce markets.

 In full, the report:

• Explores the e-commerce industry in India, Southeast Asia, and Latin America.
• Highlights the leading country in each region, as well as key e-commerce players there. 
• Outlines the challenges and opportunities each region faces.
• Gives insight into how these emerging markets may shape the future of e-commerce.

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• Over the course of 91 years of Oscars, plenty of worthy films have been overlooked in the best-picture race.
• We listed the 15 best ones, based on their composite critic scores from reviews aggregator Metacritic.

When it comes to the Oscars, we all remember the shocking and infamous best-picture upsets— like "Crash" over "Brokeback Mountain," or "Shakespeare in Love" over "Saving Private Ryan."

But there are also some iconic films that never even got nominated.

Many lauded films have lost out on a best-picture nomination. We turned to the top movies of all time on reviews aggregator Metacritic to get a list of the best movies without best-picture Oscar nominations. These Academy-snubbed movies span from foreign masterpieces to animated classics.

And there's a lot of Hitchcock.

Here are the 15 best films not nominated for best picture, based on Metacritic scores:

SEE ALSO: 'Black Panther' was built around one essential line of dialogue that director Ryan Coogler feared Marvel would cut

15. "Psycho" (1960)

Score: 97 

Number of reviews: 17

The first of Alfred Hitchock's classic films to appear on this list, the original "Psycho" nabbed four nominations — including directing for Hitchcock — but failed to enter into the best-picture ring.

14. "Some Like It Hot" (1959)

Score: 97

Number of reviews: 19

This Marilyn Monroe starrer picked up a costume design trophy but wasn't nominated for best picture, despite five other nominations — including best director Billy Wilder and best actor Jack Lemmon.

13. "4 Months, 3 Weeks and 2 Days" (2007)

Score: 97

Number of reviews: 37

This Romanian film, about a woman who seeks an illegal abortion in the 1980s, managed to pick up a best foreign film nomination at the 2008 Golden Globes, but the Academy failed to even recognize it in this category at that year's Oscars.

• The Internet of Things is fueling the data-based economy and bridging the divide between physical and digital worlds.
• Consumers, companies, and governments will install more than 40 billion IoT devices worldwide through 2023.
• The next five years will mark a pivotal transformation in how companies and jurisdictions operate, and how consumers live.

Being successful in the digital age doesn’t just require knowing the latest buzzwords; it means identifying the transformational trends – and where they’re heading – before they ever heat up.

Take the Internet of Things (IoT), for example, which now receives not only daily tech news coverage with each new device launch, but also hefty investments from global organizations ushering in worldwide adoption. By 2023, consumers, companies, and governments will install more than 40 billion IoT devices globally. And it’s not just the ones you hear about all the time, like smart speakers and connected cars.

To successfully navigate this changing landscape, individuals and organizations must understand the full extent and functionality of the “Things” included in this network, the key drivers of each market segment, and how it all relates to the work they do every day.

Business Insider Intelligence, Business Insider’s premium research service, has forecasted the start of the IoT’s global proliferation in The IoT Forecast Book 2018— and the next five years will be transformational for consumers, enterprises, and governments.

• Consumer IoT: In the US alone, the number of smart home devices is estimated to surpass 1 billion by 2023, with consumers dishing out about $725 per household — a total of over $90 billion in spending on IoT solutions.
• Enterprise IoT: Comprising the most mature segment of the IoT, companies will continue pouring billions of dollars into connected devices and automation. By 2023, the total industrial robotic system installed base will approach 6 million worldwide, while annual spending on manufacturing IoT solutions will reach about $450 billion.
• Government IoT: Governments globally are ushering in IoT devices to spur the development of smart cities, which would be equipped with innovations like connected cameras, smart street lights, and connected meters to provide a real-time view of traffic, utilities usage, crime, and environmental factors. Annual investment in this area is expected to reach nearly $900 billion by 2023.

Want to Learn More?

People, companies, and organizations all over the world are racing to adopt the latest IoT solutions and prevent growing pains amidst a technological transformation. The IoT Forecast Book 2018 from Business Insider Intelligence is a detailed three-part slide deck outlining the most important trends impacting consumer, enterprise, and government IoT — and the key drivers propelling each segment forward.

Representing thousands of hours of exhaustive research, our multipart forecast books are considered must-reads by thousands of highly successful business professionals. These informative slide decks are packed with charts and statistics outlining the most influential trends on the leading edge of your industry. Keep them for reference or drop the most valuable data into your own presentations to share with your teams.

Whether you’re newly interested in a topic or you already consider yourself a subject matter expert, The IoT Forecast Book 2018 can provide you with the actionable insights you need to make better decisions.

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This is a preview of a research report from Business Insider Intelligence. Current subscribers can read the report here.

As streaming becomes an increasingly mainstream behavior among consumers, the video industry has produced new combinations of streaming video programming services to prepare for the progressive overhaul in how media is distributed.

These streaming bundles have emerged in response to the problems of media fragmentation, cord-cutting, and high consumer costs. Declining usage of traditional TV across every demographic, particularly among young viewers, has also demanded new solutions to the traditional distribution model that is pay-TV.

Although streaming media bundles are still evolving, four distinct models have emerged:

• Skinny bundles — Cheaper, streaming versions of the traditional pay-TV bundle, but with fewer channels.
• SVOD aggregators — Facilitate a la carte sign-ups to third-party streaming services through a central user portal. The primary example so far is Amazon Channels, Amazon's SVOD partner program. 
• SVOD integrations — SVOD services like Netflix that bring their offerings to a traditional operator's service.
• Streaming service partnerships — Combine one or more streaming services under a single offering, at a lower cost than the total price separately.

In the SVOD Bundling Report, Business Insider Intelligence examines the state of the US video ecosystem and how media companies are refining their distribution strategies to meet the changing needs of consumers. The report situates each of the four bundle model types within the overall SVOD market, and investigates the overarching advantages and challenges each faces. Finally, we predict how player dynamics might transform and adapt, outlining best practices for providers to succeed within the new TV landscape.

Here are some of the key takeaways from the report:

• SVOD bundles partake in a growing SVOD market in the US. Business Insider Intelligence estimates that the SVOD market totals $13.6 billion in 2018, primarily driven by uptake on services from SVOD giants Netflix, Hulu, and Amazon Prime Video. 
• Streaming video accessed on over-the-top (OTT) platforms is going mainstream, while consumers — particularly younger viewers — are reducing usage on live, linear TV. Traditional TV usage among viewers ages 18-24 has dropped 48% since 2011, 35% among 25-34 year olds, and 18% in the 35-49 demographic. 
• Skinny bundle services are growing in popularity, with 7.2 million subscribers in the US, but they suffer fundamental financial sustainability problems. 
• Distributors with at-scale platforms and powerful back-end tech can capitalize on the growing consumer demand for content consolidation among consumers. Faced with a fragmented and expanding universe of content options, more than two-thirds of consumers say they would prefer to get all their services from a single source, per Hub Entertainment Research. 
• Winners in the bundling shakeout will have prioritized internet-connected tech, an effective user experience, reasonable pricing, and content diversity. 

In full, the report:

• Identifies the four SVOD model types that have emerged as alternatives or supplements to traditional distribution.
• Investigates the top advantages and challenges of each model type.
• Outlines strategies that players across media and distribution companies can use to address business or market challenges.
• Explores how the dynamics of each model type will evolve as services converge under new bundled offerings.

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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.

The gig economy is becoming a core element of the labor market, pushed to the fore by platforms like Uber and Airbnb. Gig economy workers are freelancers, such as journalists who don’t work for one publication directly, freelance developers, drivers on platforms like Uber and Grab, and consumers who rent out their apartments via Airbnb or other home-sharing sites.

Gig economy workers are not employed by these platforms, and therefore typically don't receive conventional employee perks, such as insurance or retirement options. This has created a lucrative opportunity to provide tailored insurance policies for the gig economy. 

A number of insurtech startups — including UK-based Dinghy, which focuses on liability insurance, and US-based Slice, which provides on-demand insurance for a range of areas — have moved to capitalize on this new segment of the labor market. These companies have been busy finding new ways to personalize insurance products by incorporating emerging technologies, including AI and chatbots, to target the gig economy.

In this report, Business Insider Intelligence examines how insurtechs have begun addressing the gig economy, the kinds of policies they are offering, and how incumbents can tap the market themselves. We have opted to focus on three areas of insurance particularly relevant to the gig economy: vehicle insurance, home insurance, and equipment and liability insurance.

While every consumer needs health insurance, there are already a number of insurtechs and incumbent insurers that offer policies for individuals. However, when it comes to insuring work equipment or other utilities for freelancers, it's much more difficult to find suitable coverage. As such, this is the gap in the market where we see the most opportunity to deploy new products.

The companies mentioned in this report are: Airbnb, Deliveroo, Dinghy, Grab, Progressive, Slice, Uber, Urban Jungle, and Zego.

Here are some of the key takeaways from the report:

• By 2027, the majority of the US workforce will work as freelancers, per Upwork and Freelancer Union, though not all of these workers will take part in the gig economy full time.
• By personalizing policies for gig economy workers, insurtechs have been able to tap this opportunity early. 
• A number of other insurtechs, including Slice and UK-based Zego, offer temporary vehicle insurance, which users can switch on and off, depending on when they are working.
• Slice has also developed a new insurance model that combines traditional home insurance with business coverage for temporary use.
• Other freelancers like photojournalists need insurance for their camera, for example, a coverage area that Dinghy has tackled.
• Incumbent insurers have a huge opportunity to leverage their reach and well-known brands to pull in the gig economy and secure a share of this growing segment — and partnering with startups might be the best approach.

 In full, the report:

• Details what the gig economy landscape looks like in different markets.
• Explains how different insurtechs are tackling the gig economy with new personalized policies.
• Highlights possible pain points for incumbents when trying to enter this market.
• Discusses how incumbents can get a piece of the pie by partnering with startups.

SEE ALSO: These were the biggest developments in the global fintech ecosystem over the last 12 months

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• LeBron James' first All-Star Game came in February 2005, his second year in the NBA.
• Now 34 years old, many of James' peers at the NBA All-Star Weekend were in grade school and can barely remember what they were doing at that time.
• James is now playing in his 15th All-Star Game, and many of the other players at this weekend say they only dreamed of making the NBA when James was just getting started.
• Follow Business Insider's coverage of the 2019 NBA All-Star Weekend here >

LeBron James is the elder statesman of the NBA All-Star Game.

At 34, James is in his 16th overall season and his 15th consecutive All-Star Game. He still remains one of the game's best players, a remarkable fact considering that, when he first became an All-Star, many of his peers were in grade school and can't even remember what they were doing.

James made the All-Star Game in the 2004-05 season, his second in the NBA, which meant his first game was in February 2005.

When players at the 2018-19 All-Star Weekend in Charlotte, North Carolina, were asked about what they were doing in February 2005, most of them had a similar response.

"2005? I don't know," said James' Los Angeles Lakers teammate, Kyle Kuzma, who is 23 years old. "Fourth grade? I was probably in class. I don't know."

"I think I was in 6th grade, probably," Brooklyn Nets forward Joe Harris, 27, said, laughing. "I don't know. I was probably watching him, to be honest. Doing whatever a sixth grade kid would be doing."

"2005? So I was 7 years old I don't remember much," said Atlanta Hawks rookie guard Trae Young, 20, adding, "I just remember seeing highlights."

A stumped Buddy Hield of the Sacramento Kings simply said he couldn't do the math to figure out how old he was at the time.

LeBron helped pave the way for younger stars

Though James' first All-Star Game wasn't until 2005, he did compete in the "Rookie Challenge" in 2004, alongside Carmelo Anthony, a fellow rookie at the time.

Minnesota Timberwolves big man Karl-Anthony Towns said he could remember watching them play in the Rookie Challenge — now called the "Rising Stars Challenge"— and throwing alley-oops to each other.

"I remember, I believe Carmelo Anthony throwing it off the backboard to [James], he's dunking the ball with two hands," Towns said.

Towns' memory was mostly correct, as the two players did connect on alley-oops twice, though not off the glass.

"14 years ago? Oh my god," Towns said. He added: "I remember just watching him play. It was awesome. I wanted to be at that moment. I wanted to have those moments like them. I've been very fortunate to be on the same path."

Like Towns, other players simply had dreams of playing in the NBA at that point.

"I was probably at school. Going to practice at night. Doing homework in the day," Orlando Magic center Nikola Vucevic, 28, said. "I was just a young kid, dreaming that one day I might do the same thing that he's doing in the NBA."

Other player might not have even been so aware of James' early success. Cleveland Cavaliers forward Cedi Osman, who played with James in the 2017-18 season, said he was probably sleeping during James' 2005 All-Star appearance. Osman grew up in Bosnia, so the time difference made watching James complicated.

"I had to go to school the next morning," Osman said.

13 years later, Osman was teammates with James and taking lessons from him.

"Last year I had a chance to watch him. What is he doing on the court, off the court, in the game," Osman said. In addition to learning how James controls the game in close contests, Osman said James helped him learn to have a "next-play" mentality.

"The most important thing I learned from him was to have that mentality, that next-play mentality. No matter what," he said. "Because you can have a bad game. And the good thing was you have next game, game tomorrow. So, just forget about it."

Not all of the young players at this year's All-Star have had the chance to play with James, but the experience of playing against him is noteworthy.

"Every time you're able to play against someone like 'Bron, it's definitely surreal at first," said Young, whose Hawks played the Lakers this past Tuesday. "After the first quarter went by, I was on the court, I was able to relax. And at the end of the day it's just basketball."

That doesn't stop some players from marveling at James' accomplishments.

"That was a long time ago," Seth Curry of the Portland Trail Blazers said about the 2004-05 All-Star Game. "LeBron's longevity is amazing."

• Read more:
• Photos of what this year's NBA All-Stars looked like when their careers started
• JORDAN VS. DOMINIQUE: Here's every dunk from the Most famous battle in NBA Slam Dunk Contest history
• Shaquille O'Neal explained why his father's advice about staying 'broke' changed his life

Join the conversation about this story »

NOW WATCH: Tom Brady and Gisele Bündchen have a combined net worth of $580 million. Here's how the power couple makes and spends their money.

• We asked NBA players at All-Star Weekend about their diets, and while most try to eat healthy, they don't necessarily have super strict diets.
• The answers only served to highlight how insane Tom Brady's diet is, which sees him avoid some vegetables, fruits, caffeine, and dairy, while taking in very few fats.
• Even someone like LeBron James, who is fanatical about taking care of his body, doesn't eat as strictly as Brady.
• Brady's longevity in a contact sport may inspire others to take care of their bodies, but for now, few seem as willing to go as far as he does.
• Follow all of Business Insider's NBA All-Star Weekend coverage here >

Many professional athletes are strict about what they put into their bodies. To get to the highest level, athletes look for any minor advantage, and that often includes avoiding unnecessary ingredients from food and drinks.

When many of the best basketball players in the world gathered in Charlotte, North Carolina, for the NBA All-Star Game, we asked them about their diets and what they try to avoid.

Few players went into detail, but what became clear is that even while these athletes watch what they eat, perhaps nobody in professional sports is as strict as Tom Brady.

"I don't really have a diet," Milwaukee Bucks forward Khris Middleton said. "I just try and stay away from fast food. That's my only thing. Try to eat clean for the most part. No real diet for me."

Minnesota Timberwolves big man Karl-Anthony Towns, who once divulged that he eats as many as 10 pancakes over two breakfasts each day, plus several pieces of grilled chicken, said he just tries to keep everything in moderation.

Read more: Timberwolves star Karl-Anthony Towns has an insane diet that includes 10 pancakes a day

"I got my diet. I stick to it," Town said. "The biggest thing is [you] have to make sure you take everything in moderation. Just stick to the plan. Sometimes there are days when you're hungrier and it's tough, but you gotta just stick to the plan."

The NBA's youngest stars also know they can work off bad food a little more easily. Sacramento Kings point guard De'Aaron Fox said he has to eat a lot to keep weight on. He said he tries to eat clean, but doesn't all the time. In his media availability, Fox discussed why he likes Whataburger more than In-N-Out.

Meanwhile, New York Knicks point guard Dennis Smith Jr. said he doesn't really watch what he eats. He joked that Bojangles is the key to his leaping abilities.

Read more: Knicks guard Dennis Smith Jr. talks being in the Kristaps Porzingis blockbuster, what fans don't realize about trades, eating octopus, and jumping over J. Cole

"I eat whatever is good to me right now. I'm sure that'll change as I get older, but I just work whatever I eat off."

Tom Brady is in a league of his own

All of this only reinforced how unique (and maybe even over-the-top) Tom Brady's diet is.

Brady's diet, of course, has become a fascination in the sports world. He's divulged his stingy eating habits before — lots of natural, vegetable-based meals, and very few fats.

What may be more interesting is what Brady avoids. He doesn't eat nightshades like tomatoes, peppers, and mushrooms for fears of inflammation.

Read more: Tom Brady's diet is so strict that it excludes an entire group of vegetables

Brady also doesn't drink coffee. He doesn't eat strawberries, doesn't eat many bananas, and avoids dairy. He very rarely has alcohol.

Now, there aren't many similarities between 41-year-old Brady and the 21-year-old Smith. Brady plays a contact sport and is almost twice Smith's age. His extreme diet, he says, is to help his recovery, which he says will help his longevity.

However, even LeBron James,at 34 years old, one of the league's elder statesmen, doesn't eat like Brady. And James is fanatical about taking care of his body.

James broke down on Tim Ferris' podcast what a day's worth of meals might look for him, and it wasn't terribly strict. It included things like egg-white omelets, gluten-free pancakes, whole wheat pasta, lots of salmon, and even chicken parmesan. James is also a notorious wine connoisseur.

Read more:Here is what LeBron James eats to stay at the top of his game at an age when many other NBA players decline

Brady's teammate Rob Gronkowski, who is also a follower of the "TB12 Method," told Business Insider that while he eats clean, vegetable-based meals, he is not as strict as Brady.

Read more: Rob Gronkowski says his career changed by following Tom Brady's lifestyle, and it even got him to love avocado ice cream

Perhaps if Brady is still winning Super Bowls at age 45, as he has said he wants to do, the rest of the sports world will follow suit. In the meantime, it appears most others aren't willing to go quite as far as Brady.

• Read more:
• The NBA’s best players struggled to remember what they were doing the first time LeBron James played in the All-Star Game
• LeBron James had a great answer for why he doesn't talk about his NBA career with his kids
• Shaquille O'Neal explained why his father's advice about staying 'broke' changed his life

Join the conversation about this story »

NOW WATCH: Tom Brady and Gisele Bündchen have a combined net worth of $580 million. Here's how the power couple makes and spends their money.

• Warning: There are spoilers ahead for AMC's "The Walking Dead."
• "TWD's" season nine mid-season premiere showed Negan escape Alexandria and go on a journey back to his old home. 
• It appeared to be a journey of self-reflection as the character stopped by the same location where he killed both Abraham and Glenn on the show's seventh season premiere before, ultimately, heading back to Alexandria. 
• Is Negan finally getting a redemption arc? And furthermore, does he deserve one? INSIDER spoke with showrunner Angela Kang and executive producer Greg Nicotero about Negan's storyline on "TWD" and where he's heading for the rest of the season.

"The Walking Dead's" return to TV has shown us more of the Whisperers and their leader's dark past, but viewers have also spent a lot of time with Negan (Jeffrey Dean Morgan). 

On the AMC show's mid-season premiere, the character known best for bashing in the heads of beloved characters Glenn and Abraham and who questionably held a harem full of women while he was the leader of a community, escaped from his prison cell to go on, what appeared to be, a journey of self-reflection. 

With Andrew Lincoln, Chandler Riggs, and Danai Gurira on the way out of the apocalyptic series, it appears "TWD" is starting to lay the seeds for a redemption storyline for the once leader of the Saviors. But does a guy like Negan deserve redemption?

"I think so," executive producer and mid-season finale director Greg Nicotero told INSIDER. "To be honest, especially when we had the six-year time jump and we realized that Negan has been this prisoner and he's been in this room, I do think so."

It's easy to forget, but only about a month passed between the time Negan was first introduced on the show during the season six finale to when he was tossed in a cell by Rick and Michonne at the end of season eight. Since then, we've seen two time jumps. The first one skipped ahead about a year and a half after the war with Negan. Showrunner Angela Kang previously told INSIDER six years passed after season nine's second time jump.

In the comics, Negan escapes from his cell after being locked away for about two years. On the show, he has nearly eight years to reflect before he gets out. One big change Kang made after taking over the show in January 2018 was taking the show's emphasis off of Negan and putting it back on its core cast of Rick, Michonne, Maggie, Carol, and Daryl. As a result, we barely saw Negan during the first half of season nine as he rotted in a cell. Instead, it gave viewers some time to breathe as fan favorites had more interaction with one another than they've had in seasons.

Certainly some of that was probably because of Andrew Lincoln's impending departure from the series after the fifth episode of the season, but it wouldn't be a surprise if that was also slightly in part due to some level of Negan fatigue from viewers. (That's a real thing.) After six seasons with Rick, Carol, Maggie, Daryl and Carl, Negan became a main focal point for not one, but two years. 

On February's mid-season premiere, as Negan was brought more heavily back into the fold, Nicotero emphasized how important it was to return Negan to the clearing where he first met Rick's extended group and killed off two fan favorites. He said it was a moment to bring Negan's story back to the beginning. Nicotero also described it as "a reset button" for the character.

"For him to be able to be in that clearing and realize that that's exactly where all of his problems started with the moment he met Rick and the moment that he made the mistake of killing Glenn and Abraham... I thought it was a really poignant and really great moment to put Negan, humanize Negan by putting him back into that place where we first met him at the monster," said Nicotero. 

So far, some fans are rejoicing over Negan's reset and are thoroughly looking forward to seeing where Kang will take the character. 

Others simply don't find his character redeemable.

"He has thought about the things that he's done. Whether or not he's sorry for them is another question," Kang told INSIDER on what we should take away from Negan revisiting that dark moment from his past. He's not all of a sudden a different person.

"I think Negan, in his mind, believes he did the things that he needed to do to kind of keep his people going," she continued. "It's kind of what all of our characters think. 'The way that we're going about it is the right way,' or sometimes they go, 'We're not sure if it's the right way, but it's the way that we're choosing.'"

Unlike Nicotero, Kang didn't give as clear cut an answer on whether or not Negan deserved to be redeemed for all of his misdeeds. She made it clear you can never forget what the character has done on the show and that's not something the show will try and undo. Instead, the latter half of season nine will look at the next chapter of Negan's character.

"I think for Negan it's a long and winding journey," said Kang. "He certainly has the desire to be something more than he has been. In the show, because we've jumped so much more time than they jumped in the comic book, we got to thinking, he's had a lot of time by himself in prison. He's had a lot of time to really think about things. Negan is a person who wants to be important. That's part of his psychology. He's used to being a leader, he's used to being able to tell people, "Here's the way to go about the world.'"

"Just being in prison, it depressed him. But now it's like he thought, 'If I go out there, if I find my group again, I can be the leader,'" explained Kang of Negan's thought process on the mid-season premiere. However, when Negan reaches his old home of the Sanctuary, he finds it completely abandoned and trashed. There's no one left to lead." 

"When that doesn't turn out to be something that is going to work out, I think that it makes sense to us that what [Negan] would want then is, 'If this isn't what I can do, I can at least try to go back and maybe try to prove myself,'" Kang adds.

In the comics, that's sort of what Negan does. When the Whisperers become a main threat to the communities, an escaped Negan infiltrates the group to take them down from the inside. Whether or not that's something that happens on the show isn't clear yet. The show has made so many more deviations from its source material in recent years. It doesn't make things easier when Negan just turned in the towel on the TV show and returned to Alexandria willingly on the mid-season premiere. He may not be getting out of that jail cell again any time soon. 

"That really becomes another turning point in an overall longer arc that we're telling for him," Kang said of Negan maybe wanting to prove himself to Alexandria. "I think given that where Negan started, it's not easy. You can't erase the things that he did, or the person that he's been, but I think showing that kind of desire to have something more is definitely a version of a Negan redemption arc, but as with everything Negan, it's a little complicated."

Are you happy with where Negan's storyline is heading on "The Walking Dead"? You can follow along with our show coverage here. 

• Read more:
• 'The Walking Dead' executive producer shares how he brought the show's scary new villains to life
• 'The Walking Dead' showrunner Angela Kang isn't approaching season 10 as the show's final season

Join the conversation about this story »

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

• AMC's "The Walking Dead" was recently renewed for a 10th season, a milestone many shows never cross.
• INSIDER asked showrunner Angela Kang if she's approaching the show as a final season. 
• Kang said while she can't assume anything, she's focusing on making a great 10th season. 
• She said a lot of people will want to save "great material for later." She's more interested in approaching the show by putting that material into the show now.

Showrunner Angela Kang recently announced "The Walking Dead" was renewed for a 10th season earlier this month. But how much longer can the AMC zombie drama crawl on with more and more of its lead actors leaving the show?

A day before it was reported Danai Gurira will be the next to depart the drama, INSIDER asked Kang if she's approaching the next season of the show as a final one or if she's just focused on delivering the best show possible to fans. 

"It's kind of just amazing that we're going into the 10th season," Kang told INSIDER of getting to return for another season. "It's certainly a milestone that most people never get to cross and we're so grateful to the fans around the world that have been on that journey with us."

"I'm approaching it as I've got to make a great 10th season. I can't assume anything," she added. "It's a thing that writers certainly talk about a lot. You can fall into a trap just planning ahead and saving the great material for later. We always have to approach it as — we got to put the good material in now."

As Kang said, not many shows go past 10 seasons. It's just a feat to get most shows to season five. Without counting reality series, news series ("20/20"), procedural dramas like "Law & Order,""NCIS,""CSI," and animated series like "The Simpsons," there are about 50 prime-time shows that have ever had more than 10 seasons.

Of those, there are currently nine significant live-action prime-time series running in or past their 10th season: "Will & Grace,""Modern Family,""NCIS: Los Angeles,""The Big Bang Theory,""Supernatural,""Criminal Minds,""Grey's Anatomy,""NCIS,""Law & Order: SVU."

CBS' "Criminal Minds" and ABC's "Grey's Anatomy" are currently on season 15. "The Big Bang Theory" is coming to an end this year.

Whether or not something like "TWD" has another five seasons in it is dependent not only on the ever wavering viewership, but on the dissipating cast. Season eight had some of the lowest-rated episodes of the show in years. The season eight finale, for instance, was the lowest-rated since season one. (It's worth noting, despite this, it's still TV's top show among adults under 50.)

In the past season, the show has lost lead characters Rick (Andrew Lincoln); his son, Carl (Chandler Riggs); and Jesus (Tom Payne). Maggie (Lauren Cohan) currently has another show premiering on ABC at the end of February and could return in some capacity. Michonne (Danai Gurira) is set to be the next big star to depart after next season. 

The other long-term issue is that the series is starting to quickly catch up to the comics on which it's based. 

After the Whisperers, who were recently introduced into the mix, the comics only offer one more new group of characters — the Commonwealth, which has been teased on the show— and they don't offer a clear-cut villain. The story becomes more about the politics of rebuilding the new world and creating a stable and safe community.

Read more: "The Walking Dead's" Jayne Atkinson says her son immediately thought she was an iconic character from the comics

Kang has been applauded by the fandom and critics alike for rejuvenating the show in its ninth season after losing viewers over the past two seasons. But what do you do when there's simply no more story to tell? 

There are plans for an extended "TWD" universe, which chief content officer of "The Walking Dead" Scott M. Gimple teased will showcase stories of the past, present, and future in formats varying from digital content to longer series. There are also those three "Walking Dead" movies starring Andrew Lincoln planned. 

Read more: 'The Walking Dead' is going to continue telling Rick Grimes' story in 3 movies

Since Carl's death and writing out the show's lead, Rick Grimes (Lincoln), the show has been going more and more off book. Moving forward, "TWD" will really have to come up with some new material if it wants to continue to breathe life into a decade-old series.

At the least, Kang seems up to the challenge.  

"Even if there is five more years or 10 more years or whatever, we have to make it cool in this year and now [not only] for our sake, but definitely for the sake of the fans and so that's been the approach," said Kang. "I'm really excited about the work that we're doing and just grateful to have been on this ride."

Kang is currently working on season 1o right now. How long do you see "TWD" going on for? Do you think it can survive and still be the same show without so many of its leads?

You can follow along with our ongoing show coverage here.

• Read more:
• Does Negan deserve redemption on 'The Walking Dead'? Showrunner and executive producer weigh in
• 'The Walking Dead' executive producer shares how he brought the show's scary new villains to life

Join the conversation about this story »

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

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.

Over the past five years, the world has seen a seemingly unending series of high-profile data breaches, defined as incidents in which unauthorized parties access and retrieve sensitive, secure, or private data.

Major incidents, like the 2013 Yahoo breach, which impacted all 3 million of the tech giant’s customers, and the more recent Equifax breach, which exposed the information of at least 143 million US adults, has kept this risk, and these threats, at the forefront for both businesses and consumers. And businesses have good reason to be concerned — of organizations breached, 22% lost customers, 29% lost revenue, and 23% lost business opportunities.

This threat isn’t going anywhere. Each of the past five years has seen, on average, 1,704 security incidents, impacting nearly 2 billion records. And hackers could be getting more efficient, using new technological tools to extract more data in fewer breach attempts. That’s making the security threat an industry-agnostic for any business holding sensitive data — at this point, virtually all companies — and therefore a necessity for firms to address proactively and prepare to react to.

The majority of breaches come from the outside, when a malicious actor is usually seeking access to records for financial gain, and tend to leverage malware or other software and hardware-related tools to access records. But they can come internally, as well as from accidents perpetrated by employees, like lost or stolen records or devices.

That means that firms need to have a broad-ranging plan in place, focusing on preventing breaches, detecting them quickly, and resolving and responding to them in the best possible way. That involves understanding protectable assets, ensuring compliance, and training employees, but also protecting data, investing in software to understand what normal and abnormal performance looks like, training employees, and building a response plan to mitigate as much damage as possible when the inevitable does occur.

Business Insider Intelligence, Business Insider’s premium research service, has put together a detailed report on the data breach threat, who and what companies need to protect themselves from, and how they can most effectively do so from a technological and organizational perspective.

Here are some key takeaways from the report:

• The breach threat isn’t going anywhere. The number of overall breaches isn’t consistent — it soared from 2013 to 2016, but ticked down slightly last year — but hackers might be becoming better at obtaining more records with less work, which magnifies risk.
• The majority of breaches come from the outside, and leverage software and hardware attacks, like malware, web app attacks, point-of-service (POS) intrusion, and card skimmers.
• Firms need to build a strong front door to prevent as many breaches as possible, but they also need to develop institutional knowledge to detect a breach quickly, and plan for how to resolve and respond to it in order to limit damage — both financial and subjective — as effectively as possible.

In full, the report:

• Explains the scope of the breach threat, by industry and year, and identifies the top attacks.
• Identifies leading perpetrators and causes of breaches.
• Addresses strategies to cope with the threat in three key areas: prevention, detection, and resolution and response.
• Issues recommendations from both a technological and organizational perspective in each of these categories so that companies can avoid the fallout that a data breach can bring.

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• Warning: There are some spoilers ahead for "The Walking Dead."
• "TWD" introduced the show's next threat, The Whisperers, during the show's mid-season finale in November. 
• Executive producer, director, and makeup supervisor, Greg Nicotero, tells INSIDER how they adapted the show's scariest villains for the show.
• A lot of inspiration came from the comics and most of the emphasis was put upon the eyes and mouths of the masks. Nicotero and his team worked on the look of The Whisperers since last April.

"The Walking Dead's" Greg Nicotero has been designing walkers for the AMC zombie drama for nearly a decade. With the entry of the show's latest threat, the Whisperers, Nicotero faced a new challenge — creating a stationary zombie face that still evokes the same emotion as a regular one. 

The group is notorious for wearing zombie skin over their faces as terrifying masks they sew up from the back. After years of waiting, Nicotero was really excited to finally get to bring these characters to the TV show.

"We feel like we've pushed the envelope on walker zombie makeup design over and over again for the last nine years," Nicotero told INSIDER. "[With the Whisperers], it's the classic horror movie trove of of the emotionless killer that doesn't react. Its face doesn't move. You really only get a sense of what's behind the mask by seeing the eyes."

"For me, there's something really creepy and spooky about a creature that has no remorse and no compassion or emotion in its face," Nicotero said of diving into the Whisperer look. Of course, you can't design the looks for the three main Whisperers — Alpha, Beta, and Lydia — without drawing some inspiration from Robert Kirkman's comic that serves as the basis of the show.

Where inspiration came from for The Whisperer look

The Whisperers, led by Alpha (Samantha Morton), first enter the comics in issue No. 132. Similar to the TV series, they kidnap two characters from the Hilltop when they're introduced. 

"We started with looking at the comic book for some inspiration," said Nicotero, making a notable observation about their look. "Interestingly enough, the comic book drawings of the Whisperers, they're all very different. Some of them look more like melted wax or melted skin. But we also wanted to maintain the fact that they had to have some semblance of a bone structure underneath because they have to look like zombies. If they were just shapeless forms of dangling skin they wouldn't look [right]."

Of course, there were other iconic horror masks that came to mind, including Michael Myers and Leatherface. Nicotero referenced the "Halloween" character on the mid-season premiere with Jeffrey Dean Morgan's character, Negan.

"TWD" has been working on the Whisperers look since last spring

Nicotero told INSIDER he and his team spent a lot of time early last year in mid-to-late April sculpting three to four different masks and trying different paint schemes to fine tune their look. Some were made out of silicone and had more weight to them. Others were made out of foam latex to be more form fitting. 

"This is even before Alpha, Beta and Lydia were even cast. So we had kind of started working out the look with some of the generic hero Whisperers," said Nicotero of the timeline for planning the Whisperers. "We finished those and brought them down to set and then did a little show and tell with [then showrunner] Scott Gimple and [new showrunner] Angela Kang and then refined them from there. So they were able to see a couple of masks in person two-and-a half months before we ever even shot with them."

"I knew it was going to be a really, really critical moment, and we had to accomplish everything that we wanted to accomplish with these things in terms of them being scary and evocative and just kind of also overall sort of gross," Nicotero said of the Whisperers' first appearance on the show.

When Samantha Morton, Ryan Hurst, and Cassidy McClincy were cast as Alpha, Beta, and Lydia, head casts of the three actors were made so Nicotero's team could create their looks on their faces and take their bone structure and face shapes into account. 

The most difficult thing to get right about the Whisperer masks — the eyes

Unlike his usual walker designs, Nicotero said they spent an extra amount of time focusing on two parts of the Whisperer masks.

"For the look, we really spent a lot of time fine tuning the shape of the eye, fine tuning the shape of the mouth," said Nicotero of designing the Whisperers. "One of the things that I wanted to do is make sure that we rotated the eye so that the outside corners of the eyes were lower. So it kind of had this weird effect that the skin was sagging."

"Playing with the color scheme was important, but I think really it was just the overall shapes, the shapes of the eye," Nicotero added of the most challenging part to get right. "And also how the hair lays because one of the things that we really wanted to do was make the hair look really stringy and kind of plastered to the side of the head. It was important that they didn't look like the normal hair of the walkers. It had to look a little different."

Were there any looks that didn't make the final cut?

"One of the initial tests that we did, we had played with that sort of melted skin, that droopy skin look," said Nicotero. "We made the eye holes pretty big and the mouth pretty large. And I think once we had done that initial test and we looked at it, we realized that less is more. The less we see of the person's face inside there the better it is."

That also gave Nicotero the impetus to make sure they maintained some of the bone structure in the Whisperers faces so that they did blend in with their surroundings. 

"We wanted to be able to look at a crowd of zombies and you had to look through from a distance and not be able to tell who was a zombie and who was a person wearing a mask," he added. "We had to find that medium, happy ground where they looked like zombies but then when you got closer you noticed that the eyes were different."

How the Whisperers are taking the show into its next era

The addition of the Whisperers to the show at the end of last year was arguably the first time "The Walking Dead" ever felt a bit scary. When Jesus was surprisingly killed, you didn't know that walker was going to be revealed to be a person. It's something the show had never played with before and the rest of this season will lean into this horror aspect more. 

"The fact that 10 years later, nine-and-a-half years later, we're able to craft this story that is genuinely unnerving and creepy, I think is a tribute to everybody involved. It's unlike 'The Walking Dead' that people are accustomed to and that's exactly what we want," said Nicotero. "One of the reasons why I love the [mid-season premiere] is not only is it a great introduction to the Whisperers, but it sets the table for everything that's going to happen in the second half of the season. It establishes that the people that we have come to love — Michonne, and Daryl and all our core cast, now the rules have completely changed. Now, they have no idea how to protect themselves.

"They have trained themselves for so long to deal with these threats in a very specific way," added Nicotero. "That's now all out the window."

You can plan to see much more of Alpha and her Whisperers moving forward for the rest of the season. You can follow along with our "Walking Dead" coverage here.

• Read more:
• Does Negan deserve redemption on 'The Walking Dead'? Showrunner and executive producer weigh in
• 'The Walking Dead' showrunner Angela Kang isn't approaching season 10 as the show's final season

Join the conversation about this story »

NOW WATCH: Bud Light's 'Dilly Dilly' just made a comeback at the Super Bowl with a weird crossover ad with Game of Thrones — here's what the phrase means

• Former deputy FBI director Andrew McCabe described the conversation during which he said deputy attorney general Rod Rosenstein first offered to secretly record President Donald Trump in the White House.
• In a Sunday night airing of "60 Minutes," McCabe described what he said was an "incredibly turbulent, incredibly stressful" period after Trump fired FBI Director James Comey in May 2017.
• "I can't describe to you accurately enough the pressure and the chaos that Rod and I were trying to operate under at that time," McCabe said of himself and Rosenstein.
• It was during that time, according to McCabe, that Rosenstein suggested secretly recording Trump, ostensibly to collect evidence that could reveal the president's motivations for firing Comey, who had been leading the FBI's Russia investigation at the time.

Former deputy FBI director Andrew McCabe described the conversation during which he said deputy attorney general Rod Rosenstein first offered to secretly record President Donald Trump in the White House.

In a Sunday night airing of "60 Minutes," McCabe described what he said was an "incredibly turbulent, incredibly stressful" period after Trump fired FBI Director James Comey in May 2017.

"I can't describe to you accurately enough the pressure and the chaos that Rod and I were trying to operate under at that time," McCabe said, referring to himself and Rosenstein. "It was clear to me that that stress was impacting the deputy attorney general.

McCabe said he and Rosenstein had talked about "why the president had insisted on firing the director" Comey, "and whether or not he was thinking about the Russia investigation, and did that impact his decision."

"And in the context of that conversation, the deputy attorney general offered to wear a wire into the White House," McCabe said.

The former deputy FBI director continued, describing Rosenstein's argument for wearing a wire in Trump's presence. "He said 'I never get searched when I go into the White House, I could easily wear a recording device. They wouldn't know it was there.'"

News reports last fall suggested Rosenstein had "joked" about wearing a wire. McCabe disputes that characterization.

"He was not joking, he was absolutely serious," McCabe said of Rosenstein. "And in fact, he brought it up in the next meeting we had."

Read more:Mueller said Manafort's crimes warrant up to 24.5 years in prison in a new court filing after Manafort's plea deal was voided

The New York Times reported in September 2018 that Rosenstein offered to wear a wire in the White House. That news prompted rumblings around Washington that Trump might fire Rosenstein, but the president did not. He told reporters at the time that he and Rosenstein "actually have a very good relationship," and said "I get along very well with him."

On "60 Minutes" Sunday, McCabe said he "never actually considered taking Rosenstein up on the offer, but said he had discussed the deputy attorney general's idea with the FBI's general counsel and the leadership team there when Rosenstein brought it up the first time.

McCabe declined to speculate about why Rosenstein would suggest wearing a wire inside the White House, but he said the implication was clear.

"The reason you would have someone wear a concealed recording device would be to collect evidence. In this case, what was the true nature of the president's motivation in calling for the firing of Jim Comey?," McCabe asked.

For his part, Trump left little ambiguity about his intentions, telling NBC News anchor Lester Holt in 2017 that he had fired Comey, in part, because of "this Russia thing," and that he would have fired Comey no matter what Rosenstein had advised.

McCabe said the FBI general counsel had a negative reaction to the idea of Rosenstein secretly recording Trump, figuratively describing him as having a "heart attack."

According to McCabe, the FBI general counsel said: "That's a bridge too far. We're not there yet."

SEE ALSO: Mueller said Manafort's crimes warrant up to 24.5 years in prison in a new court filing after Manafort's plea deal was voided

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NOW WATCH: ROGER STONE: Trump is 'never going to change'

• Divvy provides alternative financing options for potential home buyers who don't qualify for traditional mortgages.
• It does so by purchasing homes outright and allowing customers to pay it back in a series of monthly payments — 25% of which goes toward building equity and 75% toward paying "rent."
• Last October, Divvy raised a $30 million Series A round led by Andreessen Horowitz, with participation from Caffeinated Capital, DFJ, and Affirm CEO, Max Levchin. 
• Below is the investor deck that helped Divvy raise its $30 million Series A. 

Divvy is one of the many Silicon Valley startups working to change the way people buy homes. For Divvy, it's specifically interested in providing alternative financing options for potential home buyers who don't qualify for traditional mortgages.

It does so by purchasing homes outright and allowing customers to pay it back in a series of monthly payments — 25% of that payment goes toward building equity and 75% goes toward paying "rent."

"The customers do feel like they're owning a home and they are building up equity within in it," Divvy CEO Adena Hefets told Business Insider in an interview last November. "The difference is that we're doing it in a more manageable way."

Top venture capitalists have bought into Divvy's methodology as well.

Last October, Divvy raised a $30 million Series A round led by Andreessen Horowitz, with participation from Caffeinated Capital, DFJ, and Affirm CEO, Max Levchin. 

Hefets told us that in its first year, Divvy helped buy homes for over 100 customers, but that the company has much higher hopes. Divvy's official mission, she says, is getting 100,000 families their first homes.

"That's what we're trying to do in the next, no more than five years. We want 100,000 homes," Hefets said. "We want that to be the first home that a family can buy and we want it to be the stepping stone that allows people to transition from renting to eventually owning their own homes."

Here's the investor deck that helped Divvy sell its mission to VCs and raise a $30 million Series A (sensitive numbers have been redacted): 

• Digital trust is the confidence people have in a platform to protect their information and provide a safe environment for them to create and engage with content.
• Business Insider Intelligence surveyed over 1,300 global consumers to evaluate their perception of Facebook, Twitter, Snapchat, Instagram, LinkedIn, and YouTube.
• Consumers’ Digital Trust rankings differ across security, legitimacy, community, user experience, shareability, and relevance for the six major social networks.

If you feel like “fake news” and spammy social media feeds dominate your Internet experience, you’re not alone. Digital trust, the confidence people have in platforms to protect their information and provide a safe environment to create and engage with content, is in jeopardy.

In fact, in a new Business Insider Intelligence survey of more than 1,300 global consumers, over half (54%) said that fake news and scams were "extremely impactful” or “very impactful” on their decision to engage with ads and sponsored content.

For businesses, this distrust has financial ramifications. It’s no longer enough to craft a strong message; brands, marketers, and social platforms need to focus their energy on getting it to consumers in an environment where they are most receptive. When brands reach consumers on platforms that they trust, they enhance their credibility and increase the likelihood of receiving positive audience engagement.

The Digital Trust Report 2018, the latest Enterprise Edge Report from Business Insider Intelligence, compiles this exclusive survey data to analyze consumer perceptions of Facebook, Twitter, Snapchat, Instagram, LinkedIn, and YouTube.

The survey breaks down consumers’ perceptions of social media across six pillars of trust: security, legitimacy, community, user experience, shareability, and relevance. The results? LinkedIn ran away with it.

As the most trusted platform for the second year in a row – and an outlier in the overall survey results – LinkedIn took the top spot for nearly every pillar of trust — and there are a few reasons why:

• LinkedIn continues to benefit from the professional nature of its community — users on the platform tend to be well behaved and have less personal information at risk, which makes for a more trusting environment.
• LinkedIn users are likely more selective and mindful about engagement when interacting within their professional network, which may increase trust in its content.
• Content on LinkedIn is typically published by career-minded individuals and organizations seeking to promote professional interests, and is therefore seen as higher quality than other platforms’. This bodes well for advertisers and publishers to be viewed as forthright, honest, persuasive, and trustworthy.

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Enterprise Edge Reports are the very best research Business Insider Intelligence has to offer in terms of actionable recommendations and proprietary data, and they are only available to Enterprise clients.

The Digital Trust Report 2018 illustrates how social platforms have been on a roller coaster ride of data, user privacy, and brand safety scandals since our first installment of the report in 2017.

In full, the report analyzes key changes in rankings from 2017, identifies trends in millennials' behavior on social media, and highlights where these platforms (as well as advertisers) have opportunities to capture their attention.

Join the conversation about this story »

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

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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• Warning: There are spoilers ahead for "The Walking Dead," season nine, episode 10, "Omega."
• INSIDER breaks down some of the smaller moments you may have missed on Sunday's episode of the AMC zombie series, including some comic callbacks and a connection to "Breaking Bad."

Sunday's episode of "The Walking Dead" gave us an unexpected backstory to The Whisperer leading, Alpha (Samantha Morten). 

As her daughter, Lydia (Cassady McClincy) recounted her past to Henry and Daryl and the Whisperers made their way to the Hilltop, there were a few subtle nods to the comics, one connection to the "Breaking Bad" finale, and some heartbreaking moments from "TWD's" past.

Keep reading to see some smaller details you may have missed on Sunday's "The Walking Dead."

The start of the episode shows us its Day 23 into the zombie apocalypse.

For those keeping track, the start of season nine, episode 10 takes place at the same time as the season two premiere of "Fear The Walking Dead" when Strand and Madison's family take to the water on his yacht.

Of course, who's to say Alpha's "Day 23" is the same as Madison's "Day 23" on "Fear TWD."

Lydia's parents sing her "Lydia, the Tattooed Lady." This isn't the first AMC show where we've heard this song.

The song was also Todd's ringtone for his boss, and crush, Lydia, on the "Breaking Bad" finale. Walter White (Bryan Cranston) picks the phone up as it's ringing from Todd's dead corpse (seen above).

Daryl talks to Lydia about abusive fathers. He's speaking from experience.

"Some dads come up with any excuse just to beat the s--- out of their kids. Maybe they're drunk, maybe they can't get drunk. Belts are good," Daryl tells Lydia.

Daryl's father was an abusive drunk who was introduced in 2013's "TWD" game, "Survival Instinct."

Digital has transformed retail possibilities.

And with e-commerce sales growing at nearly five times the rate of brick-and-mortar sales, retailers need to find cheaper and more efficient ways to deliver e-commerce orders.

But different age groups have different preferences for which delivery and fulfilment options are most important to them.

Find out which delivery features are most important to consumers as well as what fulfillment options retailers should be using to meet consumer demands in this new FREE slide deck from Business Insider Intelligence’s three-part Future of Retail 2018 series.

In this first installment of the series, Business Insider Intelligence explores delivery and fulfillment, including consumers’ delivery preferences, the challenges those demands pose to retailers, and the strategies retailers can use to meet consumers’ expectations of fulfillment without tanking their profitability.

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

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

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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.

Drone technologies continue to improve at a rapid pace and are slowly pushing the unmanned aircraft toward the mainstream. Companies in a variety of industries are now looking to use drones to cut costs, boost efficiencies, and create new revenue streams and business values, such as last-mile retail deliveries.

But regulatory roadblocks are still holding back widespread commercial drone use in most large, developed markets. Many countries still have laws on the books that regulate drones as other aircraft, such as planes or helicopters, and prevent unmanned aircraft from flying beyond a few miles from the operator. That makes laws and regulations arguably the chief determining factor in the development of the commercial drone industry worldwide. 

This new report from Business Insider Intelligence, Business Insider's premium research service, will give a high-level overview of commercial drone regulations around the world. We detail the major changes in global drone regulations over the past year, and show how regulators are working to stay ahead of the nascent, yet valuable devices. In addition, we show how regulatory changes will impact the industry and allow for new enterprise use cases in the next few years.

Here are some of the key takeaways:

• Regulations have helped the US, Europe, and China become the three largest potential markets in the world for commercial drone use.
• In the US, the Federal Aviation Administration (FAA) governs all commercial and consumer drone use. Meanwhile, a slew of states have their own regulations that companies deploying drones have to navigate through.
• In Europe, the lack of EU-wide drone regulations creates a patchwork of national regulations that resembles the state-level rules in the US.
• In China, the military controls over half of the airspace, confining drones to a small area of the country relative to the US and other nations.
• While on paper several of the regulations in Europe are the same as in the US, many European countries have been far more lenient in granting exemptions to their requirements.
• Commercial drone laws in most of these countries are set to change to allow for more widespread use in the next couple years, helping operators fly their aircraft in new locations and for new use cases.

In full, the report:

• Offers an in-depth overview of the current regulatory landscapes at the national, transnational, and local levels, and discusses how they're shaping the development of the drone industry in several large markets.
• Gives examples of how companies are working with and around these regulations to deploy drones in a manner that government officials find permissible.
• Provides a look at what regulations will change in the coming years, and explains how that will impact companies operating drones.

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Good morning! This is the tech news you need to know this Monday.

1. A second former Cambridge Analytica employee has reportedly been subpoenaed by Robert Mueller's investigation. A representative for Brittany Kaiser, a former business development director for Cambridge Analytica, told The Guardian that Kaiser has been subpoenaed by Mueller and will offer her full cooperation to his investigation.
2. The UK parliamentary committee investigating fake news called Facebook "digital gangsters" in its final report. The DCMS committee also accused CEO Mark Zuckerberg of contempt of parliament after he failed to show up to give evidence to the committee.
3. Facebook moderators are in revolt over "inhumane" working conditions that they say erodes their "sense of humanity."In an open letter to Facebook employees, moderators from Austin, Texas complained about draconian working conditions that are eroding trust in the company.
4. Elon Musk says SpaceX is developing a "bleeding" heavy-metal rocket ship, and making it work may be 100 times as hard as NASA's most difficult Mars mission. The craft will apparently "bleed" liquid during landing to cool off the spaceship and prevent it from burning up.
5. Uber's business slowed dramatically in the fourth quarter as it gears up for an IPO. Uber's loss dropped to $370 million last year from $4.5 billion in 2017, the company reported Friday.
6. The UK has reportedly concluded it can mitigate security risks associated with the use of Huawei equipment in 5G networks. Huawei, along with another Chinese network equipment company ZTE, has been accused by the United States of working at the behest of the Chinese government.
7. Apple reportedly bought a startup that specializes in helping companies build voice apps. Apple has acquired Pullstring, a startup that helps customers publish voice apps, according to Axios.
8. Facebook reportedly demonstrated "informal interest" in buying the company that made HQ Trivia but backed off after reports of 'creepy' behavior from its late co-founder. According to the Wall Street Journal, Facebook's interest in the company waned after Recode published an article describing allegations of inappropriate behavior by Intermedia Labs co-founder Colin Kroll during his time working for Twitter.
9. People in the video game industry are rallying around the 800 employees laid off by Activision Blizzard. Activision Blizzard laid off about 800 employees on the same day the company announced record revenue record during 2018.
10. Australia's major political parties have been hacked months out from a federal election, Prime Minister Scott Morrison revealed. Australian Prime Minister Scott Morrison said that the Liberal Party, Labor and the Nationals' IT networks were hacked by "a sophisticated state actor."

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