• 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.

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• An attorney for R. Kelly argued in court Saturday a judge should set a reasonable bond because the R&B star was having financial difficulties.
• "This is someone who should be wealthy at this stage of his career," lawyer Steve Greenberg told reporters.
• Kelly faces 10 counts of aggravated criminal sexual abuse — and the accusations that have racked up against him in recent years have damaged his earning power.
• Kelly has denied all allegations of wrongdoing.

A Chicago judge set bond at $1 million on Saturday afternoon for the R&B star R. Kelly, who faces 10 counts of aggravated criminal sexual abuse.

Kelly will be allowed to go free while he awaits trial if he can come up with 10% of that sum — $100,000 — though his attorney Steve Greenberg told reporters that was easier said than done.

Arguing for the judge to name a reasonable bond, Kelly's attorney Steven Greenberg conceded that Kelly's "finances are a mess" in large part due to the fallout from the multiple allegations against him, which have damaged his earning power.

"This is someone who should be wealthy at this stage of his career," Greenberg told reporters after the bond hearing. "And through mismanagement, through hangers-on, and bad contracts, and bad deals, and bad leases like he had in his studio. He really doesn't have any money at this point. I don't even think he owns the rights to 'I Believe I Can Fly.'"

Read more: R. Kelly prosecutors read graphic accounts of artist's alleged sexual abuse in court

Kelly was recently dropped his his record label in the wake of extensive reporting on allegations that Kelly preyed upon women when they were underage. A recent six-part Lifetime documentary series featured interviews with a number of women who accused Kelly of abusing them. 

Kelly has also struggled to earn residuals from his work, as a growing list of musicians have yanked their collaborations with Kelly from streaming services like Spotify and Apple Music. The platforms are also under pressure to remove all of his music from their services.

Though Kelly had announced an upcoming tour in Europe, those dates are now in doubt in the wake of the charges against him, and at least one of the venues has warned it could cancel the concert, according to the Associated Press.

During the bond hearing on Saturday, Greenberg also reportedly cited a recent child support judgment as cause for Kelly's financial jeopardy. Kelly reportedly owes his ex-wife nearly $200,000 in support, according to TMZ— as one of the reasons Kelly was in financial jeopardy.

Nevertheless, Greenberg said he was "very happy" with the bond the judge set, and said he was confident Kelly could pull the money together within days.

"He's trying to get it together," Greenberg said. "He doesn't have it in the bank, sitting in a shoe box, sitting anywhere."

Greenberg also denied all of the allegations laid out by prosecutors during the bond hearing, and vowed to fight each of the charges.

"We haven't seen anything, any reason to believe that these allegations are credible," Greenberg said.

• Read more:
• Chance the Rapper apologized for working with R. Kelly 'and for taking this long to speak out'
• R. Kelly's bail has been set at $1 million by same judge who oversaw Jussie Smollett's case
• R. Kelly is reportedly under federal investigation by numerous agencies, including ICE, DHS, the FBI, and the IRS, for child trafficking and other crimes
• R. Kelly's lawyer says 'I think all the women are lying' as the singer is arrested in Chicago on sexual-abuse charges involving 4 women

Join the conversation about this story »

NOW WATCH: There are serious health reasons why you shouldn't eat your boogers

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

Mobile commerce (m-commerce) isn’t just the future of online shopping — it’s absorbing more and more e-commerce in the present. Business Insider Intelligence projects m-commerce will account for nearly 40% of US online sales by 2023, totaling $447 billion. And 49% of shopping traffic from November 1 through December 6 in 2018 went through smartphones, according to Adobe.

Despite its popularity, m-commerce faces serious conversion issues that retailers need to improve on. In North America, mobile browsers posted a conversion rate of just 6% in Q2 compared with desktop’s 11%, according to Criteo. But mobile websites still accounted for 43% of all transactions in the region among retailers that actively promoted their shopping apps, showing that they deserve special attention.

So, although consumers spend more time accessing the internet on smartphones than any other device, e-tailers aren’t able to maximize that value. And considering mobile shoppers have a similar engagement rate as desktop shoppers, but the rates at which they select products and transact are lower, according to Qubit, mobile sites clearly need to improve their ability to convert — and top e-tailers have work to do.

In the Mobile Checkout Benchmark Report, Business Insider Intelligence scores the mobile checkout experience of top e-commerce marketplaces — which includes every action from the moment a consumer chooses a product to the final purchase when they add the product to their cart and check out — to determine the current leaders in the space.

It establishes key factors in the checkout process to appropriately score e-tailers and identifies what all retailers and brands can learn from their strengths and shortcomings to improve their own m-commerce conversion capabilities. The report also looks at what developing technologies and initiatives have the potential to bolster conversion in m-commerce.

The companies mentioned in this report are: Affirm, Amazon, BigCommerce, Discover, eBay, Klarna, Mastercard, PayPal, Pier 1, Shopify, Splitit, Target, Visa, Walmart, and Wish.

Here are some of the key takeaways from the report:

• Business Insider Intelligence’s Mobile Checkout Benchmark Study ranks top e-commerce marketplaces based on their conversion capabilities on their mobile websites.
• Target ranked first, leading in the adding to and reviewing the cart stage and performing well across the board.
• eBay led the overall efficiency and checkout and payment phases thanks to its simple process, but poor conversion capabilities on product pages and carts kept it from winning overall.
• Amazon underperformed as it focuses on gathering consumer data and adding Prime subscribers rather than one-time conversion.
• Speed and simplicity are top features to drive mobile conversion, according to experts interviewed by Business Insider Intelligence, and becoming faster and more efficient in various facets of mobile checkout will pay dividends for e-tailers.

In full, the report:

• Examines mobile websites’ struggles with conversion.
• Creates a benchmarking to score top e-commerce players’ websites conversion capabilities.
• Scores e-tailers’ performances and picks out key learnings from their strengths and shortcomings.
• Identifies developing technology that will be able to bolster mobile conversion in the future.

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SEE ALSO: The downfall of US brick-and-mortar commerce is overblown — but merchants need to evaluate their point-of-sale terminals

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• Two women whose parents believe have been "brainwashed" by R. Kelly showed up at his court hearing on Saturday.
• Joycelyn Savage and Azriel Clary held each other's hands as they walked through the courthouse.
• The women initially sat one row ahead of Clary's father, but reportedly ignored him when he tried to speak with her.
• Kelly is charged with 10 counts of aggravated criminal sexual abuse. Kelly has denied all wrongdoing, including holding Savage and Clary against their wills.

Two women who live with the R&B star R. Kelly, and whose parents allege are being held against their will, showed up in court for Kelly's bond hearing on Saturday.

Joycelyn Savage and Azriel Clary could be seen in photos and videos walking inside the courthouse, holding one another's hands.

Kelly is charged with 10 counts of aggravated criminal sexual abuse. Kelly has denied all wrongdoing, including holding Savage and Clary against their wills.

The parents of both women recently appeared in the six-part Lifetime documentary series, "Surviving R. Kelly," which chronicled their failed efforts to bring their daughters home.

During the hearing Saturday afternoon, the women initially sat just one row ahead of Clary's father in the courtroom, according to the Chicago Sun-Times. But Clary reportedly ignored him when he tried to speak with her, and both women eventually moved up a row.

Michael Avenatti, who has said he's representing multiple clients in Kelly's case, told reporters after the hearing that Kelly's entourage moved Clary away and "shielded her" from her parents during the hearing.

He said he believed the two women were brought to court "for the cameras" and that Clary's parents grew "emotional" at the sight of her.

Read more: R. Kelly's lawyer says the R&B star's finances are 'a mess'

"I firmly believe that their daughter has been brainwashed by Mr. Kelly and his handlers," Avenatti said. "I think it's disgraceful that Mr. Kelly came here today, had his enablers and his handlers come here today with an eye towards keeping their daughter from them, from communicating with them."

He continued: "They brought them here in an effort to send the message that all is well with Robert Kelly and there's nothing untoward about his conduct. It's an absolute disgrace, and it's a disgusting display what we witnessed here today. These young ladies should be permitted to speak with their parents, period."

A Chicago judge set Kelly's bond on Saturday at $1 million. He must pay $100,000 to be released from jail pending trial.

• Read more:
• Chance the Rapper apologized for working with R. Kelly 'and for taking this long to speak out'
• R. Kelly prosecutors read graphic accounts of artist's alleged sexual abuse in court
• R. Kelly's bail has been set at $1 million by same judge who oversaw Jussie Smollett's case
• R. Kelly is reportedly under federal investigation by numerous agencies, including ICE, DHS, the FBI, and the IRS, for child trafficking and other crimes

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

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 mobile augmented reality (AR) market is quickly becoming primed for the retail space. By blending the online and in-store shopping journeys, mobile AR promises to provide an immersive digital shopping experience unlike anything shoppers have seen before.

Mobile AR is one of the most coveted technologies for improving the digital shopping experience among consumers. That’s because mobile AR can be used to bring the in-store experience to consumers’ homes by recreating the try-on experience. It allows online shoppers to test out multiple sizes and variations of products, or just see what a product looks like overlaid into their home — without making a true commitment to the purchase or a trip to the store. It can also be used in-store to quickly provide product information or guide users to the right item using location-based services.

Retailers that meet this need for mobile AR stand to pull ahead of the competition. Mobile AR can help build brand loyalty, heighten engagement, increase geographical customer reach, shorten conversion times, boost purchases of larger items, and cut down on returns.

In a new report, Business Insider Intelligence examines the importance of mobile AR to businesses in the retail space, explores the various ways brands are utilizing mobile AR to enhance the customer experience as well as their own, and determines the factors retailers should consider when devising a mobile AR strategy.

Here are some of the key takeaways from the report:

• Nearly 75% of consumers already expect retailers to offer an AR experience. Mobile AR retail experiences are more likely to come to fruition as Apple and Google continue to build out their AR developer platforms, ARKit and ARCore, respectively, which will expand the addressable market exponentially.
• Retailers in certain segments, including furniture and home improvement, as well as beauty and fashion, have been the first to jump on the mobile AR bandwagon through their own apps. These sectors appear to have the most immediate need for mobile AR strategies, as trying out furniture and clothes are two of the most coveted AR use cases by consumers.
• Social media is emerging as a prominent channel for retailers to reach consumers through mobile AR experiences. Platforms like Facebook and Snapchat continue to build out tools that businesses and developers can utilize to enhance their advertising strategies with immersive experiences.
• But retailers will have to consider several factors before implementing their mobile AR strategies. These include the cost of building AR experiences, the availability of AR-compatible smartphones, consumer awareness of mobile AR apps, and the quality of mobile AR content.

In full, the report:

• Explores the ways mobile AR brings value to the customer shopping experience. 
• Highlights how the consumer benefits of mobile AR can be transformed into valuable outcomes for retailers.
• Discusses how major retail brands are leveraging mobile AR to enhance the customer journey, and what goals they are striving to achieve.
• Outlines the several factors retailers and brands will have to consider before implementing their mobile AR strategies.

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• Billionaire private equity firm owner John Childs has been charged with solicitation of prostitution as part of a sweeping human-trafficking investigation, Florida authorities said.
• The investigation has named a number of high-profile executives, including New England Patriots owner Robert Kraft and former Citigroup official John Havens.
• Childs told Bloomberg News on Friday the allegation was "totally false" and said he hadn't yet been contacted by police.

The billionaire owner of a Massachusetts-based private equity firm has been wrapped up in a massive prostitution scandal that has already ensnared the likes of New England Patriots owner Robert Kraft and former Citigroup executive John Havens.

John Childs, the 77-year-old founder of J.W. Childs Associates, has been charged with solicitation of prostitution, according to the Vero Beach Police Department in Florida.

Childs is one of 173 people charged as part of a sweeping, six-month criminal investigation into multiple massage parlors across several Florida jurisdictions.

As of Friday afternoon, Childs hadn't been arrested. He told Bloomberg News in an interview he hadn't even been contacted by police.

"The accusation of solicitation of prostitution is totally false," he said. "I have retained a lawyer."

Read more: Here are the major executives who were caught in Florida's massage parlor prostitution sting

Childs is a major Republican donor who supported GOP candidates in the past such as 2012 presidential candidate Mitt Romney, and former House Speaker Paul Ryan, according to opensecrets.org.

He has an estimated net worth of $1.2 billion and donated some $4.3 million throughout the last election cycle, according to TCPalm.

Campaign finance records show that Childs gave a whopping $250,000 to America First Action, a superPAC that supports President Donald Trump.

He also donated large sums to the conservative Club for Growth Action superPAC, the Senate Conservative Actions PAC, and the America Rising PAC.

He also backed individual Republicans like Florida Sen. Rick Scott, Montana Sen. Steve Daines, and Indiana Sen. Mike Braun.

According to a J.W. Childs Associates biography, Childs founded the firm in 1995 after working in top-level positions at the Thomas H. Lee Company and the Prudential Insurance Company.

He holds degrees from both Yale University and Columbia University.

SEE ALSO: Meet John Havens, the ex-Citigroup president who was charged in the Florida prostitution bust

DON'T MISS: Everything to know about the Florida spa at the center of the Robert Kraft sex scandal

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NOW WATCH: A Wharton professor and organizational psychologist says leaders promote the wrong people, exit interviews miss the point, and there's an easy way to find out if someone is stealing

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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• Atlas Air Flight 3591 crashed at 12:45 p.m. on Saturday in Texas, leaving three people presumed dead.
• A search is underway for those who were onboard, Atlas Air said in a statement.
• The cargo flight was contracted by Amazon Air.  
• Pilots from Atlas Air, who contracts to Amazon among others, have told Business Insider that fatigue and lack of experience is common in the company.

Three people are reportedlypresumed dead after an Amazon Air cargo flight, operated by Atlas Air, crashed today in Texas.

A search is underway for the people who were onboard, Atlas Air told Business Insider in a statement. 

"Our thoughts and prayers are with the flight crew, their families and friends along with the entire team at Atlas Air during this terrible tragedy," Dave Clark, Senior Vice President of Worldwide Operations at Amazon, said in a statement. "We appreciate the first responders who worked urgently to provide support."

Atlas Air Flight 3591 was flying from Houston to Miami. According to a statement from the Federal Aviation Administration, the plane lost signal about 30 miles southeast of Houston George Bush International Airport. The FAA then issued an alert notice. 

Pilots from the airlines that Amazon Air contracts with have told Business Insider that their pay and benefits are far below industry standards. Pilots said that means the pilots who work with Amazon Air tend to be less experienced.

"It’s a ticking time bomb," Captain Robert Kirchner, Atlas pilot and executive council chairman of Teamsters Local 1224, told Business Insider weeks before the crash. 

Kirchner and other Atlas Air pilots said the company, which contracts to Amazon, DHL, and other carriers, tends to overwork their pilots.   

"They don't recognize pilot fatigue," Kirchner previously told Business Insider. "They think it's people goofing off. We have to constantly show them some of these schedules. Ninety-nine percent of the time, we're able to prove to them that this is a fatiguing schedule."

Are you a pilot who works at ABX, Atlas Air, or another cargo airline that contracts to Amazon? Contact rpremack@businesssinsider.com.

SEE ALSO: Pilots working for airlines that transport packages for Amazon are not happy — and many are considering quitting, a survey found

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Digital disruption is affecting every aspect of the fintech industry.

Over the past five years, fintech has established itself as a fundamental part of the global financial services ecosystem.

Fintech startups have raised, and continue to raise, billions of dollars annually, pushing incumbent financial institutions to get in on the action. Legacy players have begun using fintech to remain competitive in a rapidly evolving financial services landscape.

So what's next?

Business Insider Intelligence, Business Insider's premium research service, explores recent innovations in the fintech space as well as what might be coming in the future in our brand new exclusive slide deck, The Future of Fintech: How Fintech Is Taking Over The World and What Comes Next.

To get your copy of this free slide deck, 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. 

Telehealth — the use of mobile technology to deliver health-related services, such as remote doctor consultations and patient monitoring — is enabling healthcare providers and payers to address the US healthcare industry’s growing list of problems.

The proliferation and rapid advancement of mobile technology are spurring telehealth adoption, and many believe that 2018 could be the tipping point for the telehealth market.

In this report, Business Insider Intelligence defines the opaque US telehealth market, forecasts the market growth potential and value, outlines the key drivers behind usage and adoption, and evaluates the opportunity telehealth solutions will afford all stakeholders. We also identify key barriers to continued telehealth adoption, and discuss how providers, payers, and telehealth companies are working to overcome these hurdles.

Here are some of the key takeaways:

• Telehealth is enabling healthcare providers and payers to address the US healthcare industry’s growing list of problems, including rising healthcare costs, an aging population, and the transformation of healthcare from service-centric to consumer-centric, which is straining healthcare system resources and threatening to drive up payer costs.
• Although telehealth solutions aren't suitable for all patients, right now, about 45% of the US population, or 147 million consumers, falls within the addressable market.
• Despite low usage rates, most consumers are open to using telehealth solutions, according to the 2018 Business Insider Intelligence Insurance Technology Study. 
• A range of companies are well-positioned to generate savings in terms of revenue and avoid potential pitfalls by deploying telehealth solutions.

 In full, the report:

• Offers an overview of different types of telehealth services and their applications in the US healthcare ecosystem. 
• Highlights the growth drivers and opportunities of these applications.
• Includes exclusive data and insights from the 2018 Business Insider Intelligence Insurance Technology Study. 
• Provides examples of key players in the telehealth market, including insurers, medical device makers, and health networks. 
• Gives recommendations on how health networks and payers should approach using and deploying telehealth solutions.

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	And more!

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• After a shaky start, wearables like smartwatches and fitness trackers have gained traction in healthcare, with US consumer use jumping from 9% in 2014 to 33% in 2018.
• More than 80% of consumers are willing to wear tech that measures health data — and penetration should continue to climb.
• The maturation of the wearable market will put more wearables in the hands of consumers and US businesses.

The US healthcare industry as it exists today is not sustainable. An aging patient population and rising burden of chronic disease have caused healthcare costs to skyrocket and left providers struggling to keep up with demand for care. 

Meanwhile, digital technologies in nearly every consumer experience outside of healthcare have raised patients’ expectations for good service to be higher than ever.

One of the key mechanisms through which healthcare providers can finally evolve their outdated practices and exceed these expectations is wearable technology.

Presently, 33% of US consumers have adopted wearables, such as smartwatches and fitness trackers, to play a more active role in managing their health. In turn, insurers, providers, and employers are poised to become just as active leveraging these devices – and the data they capture – to abandon the traditional reimbursement model and improve patient outcomes with personalized, value-based care.

Adoption is going to keep climbing, as more than 80% of consumers are willing to wear tech that measures health data, according to Accenture — though they have reservations about who exactly should access it.

A new report from Business Insider Intelligence, Business Insider’s premium research service, follows the growing adoption of wearables and breadth of functions they offer to outline how healthcare organizations and stakeholders can overcome this challenge and add greater value with wearable technology.

For insurers, providers, and employers, wearables present three distinct opportunities:

• Insurers can use wearable data to enhance risk assessments and drive customer lifetime value. One study shows that wearables can incentivize healthier behavior associated with a 30% reduction in risk of cardiovascular events and death.
• Providers can use the remote patient monitoring capabilities of wearable technology to improve chronic disease management, lessen the burden of staff shortages, and navigate a changing reimbursement model. And since 90% of patients no longer feel obligated to stay with providers that don't deliver a satisfactory digital experience, wearables could help to attract and retain them.
• Employers can combine wearables with cash incentives to lower insurance costs and improve employee productivity. For example, The Greater Dayton Regional Transit Authority yielded $5 million in healthcare cost savings through a wearable-based employee wellness program.

Want to Learn More?

The Wearables in US Healthcare Report details the current and future market landscape of wearables in the US healthcare sector. It explores the key drivers behind wearable usage by insurers, healthcare providers, and employers, and the opportunities wearables afford to each of these stakeholders. 

By outlining a successful case study from each stakeholder, the report highlights best practices in implementing wearables to reduce healthcare claims, improve patient outcomes, and drive insurance cost savings, as well as how the evolution of the market will create new, untapped opportunities for businesses.

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• Scammers are claiming to hack people's webcams and access footage of them watching porn as part of a terrifying new scam.
• These 'sextortion' email scams have raked in more than $330,000 from scared victims since July 2018, a new report from cybersecurity firm Digital Shadows claims.
• The company analysed criminal forums and bitcoin wallets linked to groups known to be practising extortion scams to get its data.
• The report also found that some criminals are offering generous salaries to people who can help them target high-earning individuals.

The internet's guilty secret is that pretty much everyone watches porn — and scammers know it.

Now internet con-artists are paying hefty salaries to accomplices willing to find rich people and claim they have webcam footage of them watching and masturbating to porn. They're offering annual pay packets of as much as $350,000.

These scammers, of course, don't have any such webcam footage. But a new report from cybersecurity firm Digital Shadows suggests the scam works. Panicked internet users have paid more than hundreds of thousands of dollars in just the last seven months, after receiving threats that scammers would reveal their porn-watching or other internet habits.

What makes the ploy convincing is that scammers buy their victims emails and passwords from unrelated security breaches. They then use that data to make their threats more convincing. We have your login details, the scammers are effectively saying, so you can believe we have a bunch of other stuff too.

The scammer presents the victim's password as proof, and asks for cash (often in the form of bitcoin) in exchange for not releasing the information. 

Read more:People are being victimized by a terrifying new email scam where attackers claim they stole your password and hacked your webcam while you were watching porn — here's how to protect yourself

The tactic is disquieting enough to convince some people into forking out. According to the report, victims have lost $332,000 to these scams in the seven months from July 2018. That comes to roughly $47,000 per month.

Digital shadows gleaned its data through analysing criminal forums and bitcoin wallets associated with criminal groups known to be practising extortion scams.

The company also claims that 89,000 unique recipients were targeted with 792,000 individual scams over this period, and that on average a scammer could expect to squeeze as much as $540 out of a victim. But while sending tens of thousands of emails in the hopes that enough victims will hand over $500 might is a typical scattergun approach, these scammers are starting to hone in on more high-reward individuals.

Digital Shadows said that scammers are offering yearly salaries of $360,000 on average to people who can help them target high-earning victims such as company executives, lawyers and doctors.

Digital Shadows advises people not to respond to these emails, and to check whether their password may have been compromised on HaveIBeenPwned.

SEE ALSO: Don't be fooled: Scammers are pretending to be top YouTube stars and offering 'gifts'

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NOW WATCH: I quit texting for a week and it was harder than I expected

• Relationship anarchy means realising that love isn't a restricted resource that is limited to a couple.
• It means putting care and attention into all your relationships, and not ranking one above the other.
• People are usually expected to be in monogamous relationships that ride the "relationship escalator," but that isn't for everyone.
• Some people are non-monogamous and decide to love several people at once. If they are relationship anarchists, they don't see a hierarchy within these relationships.
• Monogamous people can be relationship anarchists too — it means not abandoning friends when you become part of a couple.

When someone says they are "in a relationship," people generally assume they're referring to being one of a couple. Writer and editor Amy Gahran told INSIDER this is known as the "relationship escalator," but actually, many people decide they don't want to ride it anymore when they realise there are other options.

For instance, there is an idea called "relationship anarchy," which essentially means love is not a limited resource that is only restricted to a couple. Rather, you can love more than one person at once, and your love for someone doesn't diminish when you get feelings for another.

"It's based on this idea of letting relationships be decided by the people in them rather than decided by outside social forces," author and relationship coach Dedeker Winston told INSIDER.

"And also this idea of not allowing there to be a strict hierarchy in your relationships — like if you have a really close friend and you've been friends since childhood, that doesn't mean if you get a romantic partner all of that goes out the window."

Gahran said people are expected to be on an escalator relationship — go from an initial spark, to dating, to moving in, to marriage, and so on — but this simply doesn't work for some people. People may think they're doing the right thing by seeing a monogamous relationship through to the end, but they can end up making each other miserable in the process, she said.

"My approach to life and love is to have as many strong, healthy connections and interconnections as I can feasibly support," Gahran said. "And because of that I feel like my life is far more resilient, logistically, financially, and emotionally and in terms of achieving whatever goals I want to achieve."

Read more: 7 things people with multiple partners want you to know about what it's really like

Relationship anarchists are often polyamorous, but the same rules can apply to people in monogamous relationships too.

"I think we've all had that experience, where you have a close friend and when they get a boyfriend they just f--- off and you never hear from them again," said Winston. "So relationship anarchists are very much about creating your own agreements between you and this other person, or you and several people, rather that letting your relationships be dictated by preloaded assumptions that come in."

Relationship anarchy was coined by the Swedish writer Andie Nordgren, who wrote "The short instructional manifesto for relationship anarchy."

Here are some of the main points:

• Don't rank the people you care about, as each relationship is independent.
• Respect others' independence, and try not to be entitled and demanding of people.
• Find what's important to you and set your own core values and use them for all your relationships.
• Don't allow the normative social system in place to dictate how you should live, and what relationships you should be in.
• Be spontaneous.
• Give your loved ones lots of opportunities to communicate, and allow them to withdraw if they need to, as long as you don't compromise on your values.
• Realise what commitments are right for you, and see where your relationships fit in with that — whether that's owning a house, having children, etc.

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NOW WATCH: Meet the three women who married Donald Trump

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

Blockchain technology promises to transform how nearly all industries manage data. Since roaring onto the scene as the engine behind Bitcoin in 2009, it's become applicable to a diverse array of industries beyond financial services, including industrial manufacturing, healthcare, and logistics.

The common thread between these industries is that they all feature complex supply chains, large numbers of interconnected players, and vast amounts of data. The digital advertising industry shares those characteristics as well. These characteristics, combined with the industry's transparency issues, make advertising a prime candidate for blockchain solutions.

Blockchain can help solve one of the advertising industry’s biggest challenges: opaque advertising practices.  Publishers, advertisers, and ad tech vendors are exploring blockchain as a tool to boost transparency around ad practices, with the end goal of reducing fraud. Ad fraud is expected to cost the industry $44 billion by 2022, up from $19 billion this year, according to Juniper Research estimates. Through its function as a public database, blockchain can store information about a digital advertisement, like who has created it, while sharing it with everyone else on the network in a verifiable and immutable way. For digital advertising, that means ad impressions can be tracked along the supply chain, and advertisers can record where an ad is delivered. 

In this report, Business Insider Intelligence will explain what blockchain technology is and how it can inject transparency into the advertising supply chain. We will then highlight the significant hurdles to adoption, and propose different ways the industry could navigate those challenges. Finally, the report will profile companies that are at the forefront of the blockchain advertising space to give advertisers an idea of what blockchain looks like in practice today.

The companies mentioned in this report are: Basic Attention Token (BAT), IBM, Kochava, and MetaX. 

Here are some of the key takeaways from the report: 

• Blockchain promises to mitigate ad fraud through its function as an immutable public database, which allows it to store and validate previously murky information about digital ads.
• Despite this promise, just 11% of advertisers and agency executives have completed an ad buy using blockchain technology, according to an Advertiser Perceptions survey.
• Limited adoption is the result of several significant hurdles — like ad executives' skepticism around the technology's usefulness — which must be overcome before blockchain is widely accepted.
• Blockchain is heralded as a transformative technology, and while it has that potential, it's not quite there yet for advertisers.
• Still, it shouldn't be dismissed as "pie in the sky"— blockchain presents several short-term use cases for advertisers, and those who take advantage will be set up for long-term success as the technology matures.

In full, the report: 

• Highlights how blockchain technology works, and how it can be integrated into the advertising supply chain to improve transparency. 
• Outlines practical, low-risk ways marketers can prepare themselves to benefit from blockchain including using smart contracts, registering domain names, and exploring tokens that reward consumers for use of their data. 
• Profiles several companies at the forefront of the blockchain advertising space, gaining industry-wide recognition as thought leaders.

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In the last few years, there’s been a major shift as to how consumers interact with social media.

Rather than posting content that lives on the platform in perpetuity, users are now posting and viewing more “Stories,” video or images that live for only 24 hours.

Many platforms have introduced some form of Stories format — whether it be Facebook, Instagram, Snapchat or WhatsApp. Snapchat was the company to introduce it to the world, but Instagram has surpassed it in terms of volume and perhaps usability.

Business Insider Intelligence has compiled a slide deck that looks into how Stories work on Instagram and Snapchat, and how brands and publishers should be using the Stories feature to reach their audiences.

This exclusive deck can be yours for FREE today. As an added bonus, you will gain immediate access to our exclusive BI Intelligence Daily newsletter.

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

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• Over the next decade, global markets will be forced to grapple with a deficit of almost $12 trillion, according to a recent report from the Congressional Budget Office.
• Vincent Deluard, a macro strategist at INTL FCStone, says traditional buyers of newly issued debt will struggle to purchase enough this time around.
• He warns of the negative implications this could carry for the stock market, which is already in vulnerable territory following a rough end to 2018.

Global markets have a $12 trillion problem staring them in the face.

A recent report from the Congressional Budget Office warned that deficits will total $11.6 trillion — or 4.4% of gross domestic product — between 2020 and 2029. That's far higher than the historical average of 2.9% over the past 50 years, according to data from INTL FCStone.

Of course, a deficit is only as ominous as the market's inability to buy the excess debt that's issued along the way. But INTL FCStone macro strategist Vincent Deluard has serious concerns about that.

He notes that the Federal Reserve and foreign central banks — historically the most reliable purchasers of newly issued debt — are selling right now. While the Fed has slashed Treasury holdings by $260 billion since October 2017, their foreign counterparts have sold almost $1 trillion over the past four years.

Read more: Here's why the next recession could be unlike any the US has ever seen

So who's left to pick up the slack and absorb the debt still flooding the market? Deluard says that responsibility will fall on retail investors and pension funds. But there are a few key caveats — and they don't bode particularly well for the future of stocks.

As it pertains to retail investors, Deluard says that while they've proven themselves capable of buying newly created debt, they're running out of money. Cash holdings are sitting at historically low levels, so they'll have to fund their purchases by selling out of other existing positions — like owning stocks.

"If retail investors finance budget deficits, the money will have to come from existing cash savings or equity holdings," Deluard said in a recent client note. "Reversing to the long-term average stock allocation would free about $4 trillion in retail savings to go into the Treasury market."

Pension funds are in a similar situation. Like retail investors, they bought Treasurys throughout 2018, but find themselves in a situation where they'll have to exit positions in order to enter new ones. And once again, Deluard thinks that money will have to come from stocks.

Further, the chart below shows that while overall demand for Treasurys has been robust in recent years, they're in a secular downtrend.

It's poor timing for an equity landscape that's still in recovery mode after plummeting to the brink of a bear market in December. Many of the same overhangs are still present — such as President Donald Trump's trade war and slowing economic growth that's stoking recession fears — so any additional negative pressure could send the market tumbling again.

Deluard sums up the whole situation in neat fashion.

"The investors which can replace the Federal Reserve and foreign central banks as the marginal buyer of Treasuries are already fully invested," he said. "Equities will have to be sold."

SEE ALSO: Here's why the next recession could be unlike any the US has ever seen

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NOW WATCH: How Apple went from a $1 trillion company to losing over 20% of its share price

• A hockey dad mic'd up his four-year-old son to understand what he "was doing out there" on the rink.
• The results, which he published on Twitter and YouTube, are adorable.
• His son was seen on video rolling around on the ice, colliding with other kids, and engaging in sword fights.
• He also said: "I'm gonna have a nap,""I need to go pee," and "are we gonna go McDonalds after?"
• But there were times his son looked overjoyed with the more sporting aspects of the todder training session.
• The video really has to be seen in full, and you can watch it right here.

A hockey dad in Calgary, Canada, mic'd up his four-year-old son to understand "what the heck he was doing out there" during practice sessions on the rink, and the results are adorable.

Jeremy Rupke of Northern Ontario, known on YouTube as "Coach Jeremy," attached the microphone before a recent Timbits Hockey training routine, and he has really tapped inside the mind of his boy, Mason.

During the session, Mason can be seen rolling around on the ice, colliding with other kids, and engaging in a sword fight with a friend using their hockey sticks.

He is also heard saying things like: "I'm gonna have a nap,""I need to go pee," and "are we gonna go McDonalds after?"

Mason Rupke has only just turned four and is getting to grips with using both feet on the rink. There are also really sweet times where he seems over-joyed at being able to skate at pace.

Of his learnings when he watched the footage back, Mason's father Coach Jeremy said in a tweet: "I mic'd up my four-year-old at Timbits Hockey so I could finally understand what the heck he was doing out there. It was… interesting."

It really has to be seen, so you can watch the short version right here:

And watch below for the longer version:

The YouTube version above was published on the video-sharing network on Friday, February 22 and racked up almost 1.5 million views in two days. It also proved a viral hit on Twitter.

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.

• The Galaxy S10e should make a very strong case for conservative spenders looking at Samsung's new Galaxy S10phones.
• The Galaxy S10e is almost identical to the Galaxy S10 in several important aspects. 
• You could say the extra features in the Galaxy S10 and Galaxy S10 Plus are simply extra fluff that not everyone really needs.

The real winner in Samsung's new Galaxy S10 lineup is a phone the company barely mentioned during its Unpacked event: the Galaxy S10e.

Why? Well, largely because it's the $900 Galaxy S10 without some of the extra fluff features and design elements. It's pretty similar in concept to Apple's iPhone XR compared to the flagship iPhone XS phones. 

Indeed, the Galaxy S10e costs $750 at its base — that's $150 less than the $900 Galaxy S10, and $250 less than the Galaxy S10 Plus. 

And if you take advantage of Samsung's pre-order trade-in deal that can get you up to $550 for trading in your old phone, you could get the Galaxy S10e for $200. That's a phone with the latest Qualcomm Snapdragon 855 processor ... for $200. (With that said, not every old phone will fetch $550 from Samsung and its trade-in offer, and there are some terms and conditions for phones you want to trade in, but it's nothing too crazy. Basically, your old phone needs to be in good working condition, and shouldn't be part of a leasing program.) 

So, check out what you're getting — and not getting — for spending $150 less:

SEE ALSO: Samsung's new $2,000 folding smartphone has one bizarre, glaring flaw

The Galaxy S10e is the cheapest Galaxy S10 you can buy.

The Galaxy S10e costs $750, and the most expensive option with 8GB of RAM and 256GB of storage is $100 more at $850.

Even with the most expensive option, the Galaxy S10e is $50 less than the base Galaxy S10, which costs $900. 

It's nearly identical in design to the Galaxy S10 and S10 Plus.

The only major design differences are slightly thicker display bezels on the Galaxy S10e, as well as a flat display versus Samsung's signature curved edges display. 

It's the best option for those who want a smaller phone and smaller display.

If you're looking for a smartphone with a sub-6-inch display, the Galaxy S10e and its 5.8-inch display is worthy of your consideration.

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.

Neobanks, digital-only banks that aren’t saddled by traditional banking technology and costly networks of physical branches, have been working to redefine retail banking in major markets around the world.

Driven by innovation-friendly regulatory reforms, these companies have especially gained traction in Europe over the last three years. While the US is home to some of the oldest neobanks — including Simple, which set up shop in 2009, and Moven, which was founded in 2011 — the country's neobank ecosystem has lagged behind its European counterpart.

That’s largely because of an onerous regulatory regime, which has made it very difficult to obtain a banking license, and the entrenched position incumbents hold in the financial lives of US consumers. Navigating the tedious and costly scheme for obtaining a banking charter and appropriate approvals has been a major stumbling block for the country’s digital banking upstarts. However, developments over the past year suggest these startups are finally poised for the spotlight in the US. 

In this report, Business Insider Intelligence maps out the factors contributing to this shifting tide, examines how key players are positioning themselves to take advantage, and explores how incumbents can embark on their own digital transformations to stave off disruption.

The companies mentioned in this report are: Aspiration, Chime, Goldman Sachs' Marcus, JPMorgan Chase's Finn, N26, and Revolut. 

Here are some of the key takeaways from the report:

• Despite lagging behind Europe, recent developments suggest that neobanks are finally ready for the spotlight in the US.
• Three distinct influences are responsible for creating the fertile ground for this evolution: regulation, shifting consumer attitudes, and the activity of incumbent banks.
• Among those driving this evolution in the US are foreign neobanks including Germany’s N26 and UK-based Revolut.
• Meanwhile, two notable incumbent-owned outfits have deployed amid great fanfare: Marcus by Goldman Sachs and Finn by Chase. 
• In this increasingly competitive landscape, incumbent banks have a range of strategic options at their disposal, including overhauling their entire business for the digital era.

 In full, the report:

• Details the factors contributing to a shift in the US' neobank market.
• Explains the different operating models neobanks in the US are deploying to roll out their services and meet consumer demands.
• Highlights how incumbent banks are tapping into the advantages offered by stand-alone digital outfits. 
• Discusses the key strategies established players need to deploy to remain relevant in the US' increasingly digital banking landscape.

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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• Chick-fil-A sells a goopy, creamy cheese sauce to go along with fries and nuggets in some states. 
• The addition costs $1.19 in New York City and is only available at about 190 stores in the Northeast and Midwest.
• On a recent visit to Chick-fil-A, I tried the sauce and found it a satisfying addition to an order.

Every so often, a picture in a window catches your eye and forces you to investigate more closely.

Last week, that was me and Chick-fil-A's cheese sauce. Apparently, Chick-fil-A has cheese sauce — it came as a shock to me as well.

It's a menu item limited to certain regions and is only offered in about 190 restaurants, the company told Business Insider. 

Though I was already holding a bag with a burrito bowl for my lunch, I immediately swooped in to the restaurant and grabbed an order of the cheese sauce with a large fry to dip with. Here's the verdict: 

SEE ALSO: McDonald's and Wendy's are leaning into free bacon while the trade war pushes pork prices to their lowest point in a decade — but both say it's a coincidence

This was the ad at Chick-Fil-A's Fulton Street location that originally drew me in. How could you not be tempted?

In reality, the sauce comes in a plastic container, not a paper one. But it is that white color, which is a good sign, as I think yellow in cheeses usually indicates it's more processed.

Other first impressions: the $1.19 portion was not very big, and I did not enjoy the look of the strange hardened part that had formed on the surface.