MaryMeeker2016-Cover

MaryMeeker2016-Outline

 

The 2016 edition of Mary Meeker’s annual Internet Trends report covers today’s Internet growth and an in-depth look at the following:

  • Global Internet users have surpassed 3B; India has supplanted the US as the world’s second-largest Internet market.
  • Internet user growth remains consistent (led by acceleration in India), while smartphone user and shipment growth have slowed.
  • In the face of a slowing global economy, key macro growth drivers from the past 2 decades are less certain.
  • Internet advertising (particularly via mobile) continues to grow, but so does ad-blocking, pushing the envelope on development of more innovative ad formats.
  • New online-first brands have rapidly grown in popularity for the millennial generation with their focus on omni-channel and personalized distribution strategies.
  • In communication, video and images shared are growing as a means of storytelling; creators, consumers, and advertisers are taking part.
  • Messaging has evolved from simple, expressive conversation to business-focused use cases, with Asian platforms often leading the way.
  • More efficient and often more convenient than typing, voice-based interfaces are ramping quickly and creating a new paradigm for human-computer interaction.
  • Transportation is being re-imagined, as the rise of car computerization, autonomous driving, and sharing transform our understanding of mobility.
  • Looking to China, Internet leadership continues, as the country boasts global innovation powerhouses in e-commerce, messaging, travel, financial services, and on-demand transportation.
  • The proliferation of data generated by a multitude of devices has fostered tremendous business opportunity, but privacy concerns abound.

 

 

@ 277MM Users…India passed USA to become #2 global user market behind China

 

 

Global GDP growth slowing = Growth in 6 of last 8 years @ below 20-year average

 

 

Total global debt loads over 2 decades = High & rising faster than GDP

 

 

MaryMeeker2016-3

From DSC:
Looking at this graphic — with Gen Z using 5 screens at once — it’s unlikely that faculty members will be able to stop students from bringing and using their screens/devices.  It might be better to ride the wave and use technologies in class, rather than try to halt the wave.

 

 

MaryMeeker2016-4

 

 

MaryMeeker2016-5

 

Ways for businesses to contact Millennials = Social media & chat…worst way = telephone

 

 

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SMU’s pioneering pedagogy, SMU-X, recognised globally for innovation, creativity and impact — from by smu.edu.sg

Excerpt:

SMU launched the SMU-X initiative in 2015 following three-and-a-half years of study and conceptualisation.  Through SMU-X, the University introduced across all its six Schools innovative and fresh curriculum that is multi-disciplinary and hands-on, and also created unconventional, flexible spaces for 24/7 use that meet the usage patterns and behaviours of the millennial student.

Four key principles characterise all SMU-X courses:

(i) inter-disciplinary content and activities;
(ii) experiential learning via an actual problem/issue faced by an organisation;
(iii) active student-mentoring by faculty and industry; and
(iv) three-way learning by faculty, student and partner organisation, in the form of a tripartite sharing forum at the end of the course.

 

SMU2

 

 

SMU

 

 

 

Mobile World Congress 2016: Event Highlights

Excerpts:

  • Over 100,000 attendees came to Mobile World Congress 2016: nearly 101,000, in fact. Attendees from 204 countries and territories were present, and was covered by more than 3,600 members of the international press and media.
  • More than 2,200 companies participated
  • Everything from virtual reality, new handsets and ingenious app ideas, to 3D printing, privacy protection and backend solutions were on display.
  • 5G & NFV, mobile apps, retail & digital commerce, mobile media, IoT and security
  • 374 speakers from consumer brands, mobile organisations, mobile operators and industries touched by the mobile market — including advertising, banking, health, NGOs, entertainment and education.

 

Also see their blog.

 

 

 

2020 Vision: Experts Predict the Future of Virtual Reality — from vrscout.com by Eric Chevalier

Excerpt:

  1. VR will be the new internet.
  2. You will spend your flights in virtual reality.
  3. AR will beat VR.
  4. There will be no MMO. [yet]
  5. Virtual reality will change the film industry.
  6. Parallax technology won’t be able to support augmented reality.
  7. The space we’ll explore won’t be in the sky.
  8. We will see a MMO game with a million subscribers.
  9. The Divine Comedy will provide a model for successful VR storytelling.
  10. Robots will touch you in VR and you’ll like it.
  11. Journalism will be forever transformed.

 

 

 

Teachers-in-training-VR-Feb2016

 

Teachers-in-training learn through virtual reality — from thedmonline.com by Madeleine Beck

Excerpt:

The UM School of Education is using a program that allows teachers-in-training to practice classroom skills in a virtual setting before sending them into local elementary and secondary schools.

The simulated TeachLivE classroom consists of an 80-inch monitor with five student avatars. Each avatar has his or her own personality.

“All five avatar children are actually controlled by somebody in Florida, an actor or actress,”  Dean of the School of Education David Rock said. “They’re set up with equipment so that if the actor raises his hand in Florida, the avatar child will raise his hand on the screen.”

 

 

EON Reality launches EON Creator AVR, a do-it-yourself augmented and virtual reality knowledge content creation application for teachers and students
EON Creator AVR empowers students and teachers to make engaging AR and VR knowledge transfer applications without programming skills.

Excerpt:

IRVINE, CA, February 16th, 2016 – EON Reality Inc., the world leader in Virtual Reality based knowledge transfer for industry, education, and edutainment, announced the upcoming release of EON Creator AVR (Augmented Virtual Reality), a mobile based application that enables users to easily create, share, collaborate, and publish Augmented Reality (AR) and Virtual Reality (VR) knowledge content. Using EON Reality’s patent pending Augmented Virtual Reality (AVR) technology, EON Creator AVR combines both Augmented Reality and Virtual Reality with a large AR/VR component library and assessment database to create one of a kind learning experiences. EON Creator AVR also leverages built in intelligence to help students and teachers quickly create highly interactive learning content directly on their tablets, smart phones, VR headsets, or AR glasses without requiring programming skills.

 

eonreality-feb2016

 

 

5 top augmented reality apps for education — from hongkiat.com by Gabriela Jugaru

Excerpt:

1. Google Sky Map
This is an augmented reality app which makes learning about astronomy interesting and fun. Instead of looking at descriptions of constellations in a book and then attempting to identify them in the sky, you can use Google Sky Map to directly identify stars and constellations using the camera on your smartphone.

Google Sky Map

 

 

 

How virtual reality could soon help stroke victims recover — from cnet.com by Max Taves
A $100 million investment in a Swiss startup highlights how VR offers more than just fun and games.

Excerpt:

Doctors could soon start prescribing an unusual solution to help stroke victims in the US: virtual reality goggles.

That’s the hope of Switzerland-based MindMaze, which on Wednesday got a $100 million investment to bring its blend of virtual reality hardware and neuroscience to market. The four-year-old startup’s technology has already won approval from regulators in Europe, where its applications for brain injury victims showcase what could soon be possible in the United States.

MindMaze’s 34-year-old founder and CEO Tej Tadi explains how: Imagine a stroke victim who’s lost control of her left hand but can still move her right hand. After putting on MindMaze goggles, the patient sees a 3-D image, or avatar, of her left hand that moves as she moves her right hand.

“That triggers areas in the brain to say, ‘Wait, let’s regain control of this hand’,” says Tadi. “The hand that was not working now works.” And that process of tricking the brain into seeing something that’s actually not there in the real world accelerates recovery, he says.

 

 

The Associated Press is partnering with AMD for more virtual reality journalism — from theverge.com by Adi Robertson

Excerpt:

After moving into virtual reality video journalism last year, the Associated Press is partnering with chip maker AMD for a new push into VR. Today, the companies announced that they’re launching a web portal for AP virtual reality, promising more journalistic endeavors soon — including “lifelike VR environments” built with the help of AMD.

Several news outlets have now started producing 360-degree videos, which can be watched through a Google Cardboard headset or a smartphone. The New York Times, which partnered with production house Vrse.works, offers documentary video about topics like child refugees and the 2016 presidential election in a dedicated NYT VR app. Vice has similarly partnered with Vrse.works, and ABC News worked with Jaunt to record a 360-degree version of a tour in North Korea. So far, the AP has partnered with a VR studio called RYOT, whose past work includes a short film about the April 2015 earthquake in Nepal.

 

 

Blippar’s new augmented reality app is supposed to recognize any object you point it at (video) — from recode.net by Lauren Goode

Excerpt:

But it’s safe to say that augmented reality is coming into a new phase: The contextual information being supplied is getting smarter, and people are gradually becoming more aware of the capabilities of AR and virtual reality (some are even excited to wear headsets, if you can believe it). So Blippar, in an effort to evolve along with the rest of the AR world, has just launched a new version of its smartphone app that is supposed to recognize literally any object you point at it — whether it has been “tagged” with an AR code or not.

 

 

 

Meta Unveils Incredible Augmented Reality Headset at TED — from uploadvr.com

Excerpt:

Redwood City-based Meta showed its latest AR glasses live on stage at TED in Vancouver.

The Meta 2 was demonstrated live by CEO Meron Gribetz with a person-to-person “call” showing a hand-off of a 3D model from a holographic person. Gribetz’ perspective was shown through the glasses as he reached out and took a model of a brain — a 3D hologram — from the hands of a colleague he saw projected in front of him.

“We’re all going to be throwing away our external monitors,” Gribetz said.

 

 

 

 

 

Accenture-TechVision2016

 

Example slides from their
SlideShare presentation:

 

Accenture-TechVision2016-2

Accenture-TechVision2016-3

Accenture-TechVision2016-4

Accenture-TechVision2016-5-Abilityto-learn

and from the PDF:

Accenture-TechVision2016-6-PaceOfChange

 

accenture: Technology Vision 2016 | People First: The Remedy to Digital Culture Shock — from accenture.com

Excerpt:

Winners in the digital age do much more than complete a technology checklist. They know their success hinges on people. Understanding changing customer needs and behaviors is, of course, hugely important. But the real deciding factor in the digital era will be the ability to evolve corporate culture. That means not simply taking advantage of emerging technologies but, critically, embracing the new business strategies that those technologies drive.

You can’t solve this challenge just by consuming more and more technology. Nor, as some fear, by replacing humans with machines. Instead, enterprises must focus on enabling people – consumers, employees and ecosystem partners – to do more with technology. That demands a digital corporate culture enabling people to continuously adapt, learn, create new solutions, drive relentless change, and disrupt the status quo. In an age where tech is grabbing the limelight, true leaders will, in fact, put people first.

 

 

But the real deciding factor in the era of intelligence will be a company’s ability to evolve its corporate culture to not only take advantage of emerging technologies, but also, critically, embrace the new business strategies that those technologies drive.

 

 

From DSC:
Are we preparing our students to be ready for — and successful in — this changing workplace?  Are adults ready for this changing workplace? It appears that some are, and some are left reeling by the pace of change.

What is our role as educators in K-12? In higher ed?

What are the roles of trainers and/or mentors in the marketplace?

How does one help another person to learn quickly?

 

 

 

 

——–

Addendum:

 

Digital in 2016 — from wearesocial.sg by Simon Kemp

Excerpt:

[On January 27, 2016] we’re very excited to share our huge new Digital in 2016 report: We Are Social’s comprehensive study of digital, social and mobile usage around the world.

Last year’s global report has already been read almost 2 million times on SlideShare, but we’ve also had many requests for information on other countries, so this year we’ve decided to produce a report in three distinct parts:

1. Digital in 2016: the main report, which you can read in the SlideShare embed above (or on SlideShare by clicking here), containing all the digital data, social stats and mobile numbers you need to understand the state of digital around the globe, as well as in-depth studies of 30 of the world’s key economies.

2. 2016 Digital Yearbook: an additional document which contains headline digital, social and mobile data and statistics for 232 countries around the world. You can read and download this report for free too – you’ll find it as another SlideShare embed further down in this post, but you can also find it on SlideShare by clicking here.

3. The Executive Summary: this blog post, which presents our analysis of the key trends and context behind the numbers in this year’s report, as well as our forecasts and predictions for the coming twelve months. You can also download the Executive Summary in PDF form by clicking here.

 

 

 

 

 

 

 

 

We can do nothing to change the past, but we have enormous power to shape the future. Once we grasp that essential insight, we recognize our responsibility and capability for building our dreams of tomorrow and avoiding our nightmares.

–Edward Cornish

 


From DSC:
This posting represents Part III in a series of such postings that illustrate how quickly things are moving (Part I and Part II) and to ask:

  • How do we collectively start talking about the future that we want?
  • Then, how do we go about creating our dreams, not our nightmares?
  • Most certainly, governments will be involved….but who else should be involved?

As I mentioned in Part I, I want to again refer to Gerd Leonhard’s work as it is relevant here, Gerd asserts:

I believe we urgently need to start debating and crafting a global Digital Ethics Treaty. This would delineate what is and is not acceptable under different circumstances and conditions, and specify who would be in charge of monitoring digressions and aberrations.

Looking at several items below, ask yourself…is this the kind of future that we want?  There are some things mentioned below that could likely prove to be very positive and helpful. However, there are also some very troubling advancements and developments as well.

The point here is that we had better start talking and discussing the pros and cons of each one of these areas — and many more I’m not addressing here — or our dreams will turn into our nightmares and we will have missed what Edward Cornish and the World Future Society are often trying to get at.

 


 

Google’s Artificial Intelligence System Masters Game of ‘Go’ — from abcnews.go.com by Alyssa Newcomb

Excerpt:

Google just mastered one of the biggest feats in artificial intelligence since IBM’s Deep Blue beat Gary Kasparov at chess in 1997.

The search giant’s AlphaGo computer program swept the European champion of Go, a complex game with trillions of possible moves, in a five-game series, according Demis Hassabis, head of Google’s machine learning, who announced the feat in a blog post that coincided with an article in the journal Nature.

While computers can now compete at the grand master level in chess, teaching a machine to win at Go has presented a unique challenge since the game has trillions of possible moves.

Along these lines, also see:
Mastering the game of go with deep neural networks and tree search — from deepmind.com

 

 

 

Harvard is trying to build artificial intelligence that is as fast as the human brain — from futurism.com
Harvard University and IARPA are working together to study how AI can work as efficiently and effectively as the human brain.

Excerpt:

Harvard University has been given $28M by the Intelligence Advanced Projects Activity (IARPA) to study why the human brain is significantly better at learning and retaining information than artificial intelligence (AI). The investment into this study could potentially help researchers develop AI that’s faster, smarter, and more like human brains.

 

 

Digital Ethics: The role of the CIO in balancing the risks and rewards of digital innovation — from mis-asia.com by Kevin Wo; with thanks to Gerd Leonhard for this posting

What is digital ethics?
In our hyper-connected world, an explosion of data is combining with pattern recognition, machine learning, smart algorithms, and other intelligent software to underpin a new level of cognitive computing. More than ever, machines are capable of imitating human thinking and decision-making across a raft of workflows, which presents exciting opportunities for companies to drive highly personalized customer experiences, as well as unprecedented productivity, efficiency, and innovation. However, along with the benefits of this increased automation comes a greater risk for ethics to be compromised and human trust to be broken.

According to Gartner, digital ethics is the system of values and principles a company may embrace when conducting digital interactions between businesses, people and things. Digital ethics sits at the nexus of what is legally required; what can be made possible by digital technology; and what is morally desirable.  

As digital ethics is not mandated by law, it is largely up to each individual organisation to set its own innovation parameters and define how its customer and employee data will be used.

 

 

New algorithm points the way towards regrowing limbs and organs — from sciencealert.com by David Nield

Excerpt:

An international team of researchers has developed a new algorithm that could one day help scientists reprogram cells to plug any kind of gap in the human body. The computer code model, called Mogrify, is designed to make the process of creating pluripotent stem cells much quicker and more straightforward than ever before.

A pluripotent stem cell is one that has the potential to become any type of specialised cell in the body: eye tissue, or a neural cell, or cells to build a heart. In theory, that would open up the potential for doctors to regrow limbs, make organs to order, and patch up the human body in all kinds of ways that aren’t currently possible.

 

 

 

The world’s first robot-run farm will harvest 30,000 heads of lettuce daily — from techinsider.io by Leanna Garfield

Excerpt (from DSC):

The Japanese lettuce production company Spread believes the farmers of the future will be robots.

So much so that Spread is creating the world’s first farm manned entirely by robots. Instead of relying on human farmers, the indoor Vegetable Factory will employ robots that can harvest 30,000 heads of lettuce every day.

Don’t expect a bunch of humanoid robots to roam the halls, however; the robots look more like conveyor belts with arms. They’ll plant seeds, water plants, and trim lettuce heads after harvest in the Kyoto, Japan farm.

 

 

 

Drone ambulances may just be the future of emergency medical vehicles — from interestingengineering.com by Gabrielle Westfield

Excerpt:

Drones are advancing everyday. They are getting larger, faster and more efficient to control. Meanwhile the medical field keeps facing major losses from emergency response vehicles not being able to reach their destination fast enough. Understandable so, I mean especially in the larger cities where traffic is impossible to move swiftly through. Red flashing lights atop or not, sometimes the roads are just not capable of opening up. It makes total sense that the future of ambulances would be paved in the open sky rather than unpredictable roads.

.

 

 

 

Phone shop will be run entirely by Pepper robots — from telegraph.co.uk by

Excerpt (emphasis DSC):

Creator company SoftBank said it planned to open the pop-up mobile store employing only Pepper robots by the end of March, according to Engadget.

The four foot-tall robots will be on hand to answer questions, provide directions and guide customers in taking out phone contracts until early April. It’s currently unknown what brands of phone Pepper will be selling.

 

 

 

Wise.io introduces first intelligent auto reply functionality for customer support organizations — from consumerelectronicsnet.com
Powered by Machine Learning, Wise Auto Response Frees Up Agent Time, Boosting Productivity, Accelerating Response Time and Improving the Customer Experience

Excerpt:

BERKELEY, CA — (Marketwired) — 01/27/16 — Wise.io, which delivers machine learning applications to help enterprises provide a better customer experience, today announced the availability of Wise Auto Response, the first intelligent auto reply functionality for customer support organizations. Using machine learning to understand the intent of an incoming ticket and determine the best available response, Wise Auto Response automatically selects and applies the appropriate reply to address the customer issue without ever involving an agent. By helping customer service teams answer common questions faster, Wise Auto Response removes a high percentage of tickets from the queue, freeing up agents’ time to focus on more complex tickets and drive higher levels of customer satisfaction.

 

 

Video game for treating ADHD looks to 2017 debut — from educationnews.org

Excerpt:

Akili Interactive Labs out of Boston has created a video game that they hope will help treat children diagnosed with attention-deficit hyperactivity disorder by teaching them to focus in a distracting environment.

The game, Project: EVO, is meant to be prescribed to children with ADHD as a medical treatment.  And after gaining $30.5 million in funding, investors appear to believe in it.  The company plans to use the funding to run clinical trials with plans to gain approval from the US Food and Drug Administration in order to be able to launch the game in late 2017.

Players will enter a virtual world filled with colorful distractions and be required to focus on specific tasks such as choosing certain objects while avoiding others.  The game looks to train the portion of the brain designed to manage and prioritize all the information taken in at one time.

 

Addendum on 1/29/16:

 

 

 

 

Microlearning: The e-Learning method taking off around the world — from educators.co.nz by Catherine Knowles

Excerpt:

Technology is disrupting traditional learning bringing new methods and tools into educational institutions and businesses.

Microlearning, for instance, has displayed great potential for growth, according to Association Learning + Technology 2016 – a report published by Tagoras and sponsored by YM Learning.

The report looks at the use of technology to enable and enhance learning in the continuing education and professional development market and provides insight into how the role technology plays in learning has and will evolve.

 

In fact, among five emerging types of learning (microlearning, massive open online courses (MOOCs), flipped classes, gamified learning, and microcredentials), microlearning shows the highest rate of adoption – and arguably the greatest potential for growth.

 

 

 

Podcasting is perfect for people with big ideas. Here’s how to do it — from by Todd Landman
Surprisingly few academics have learned how to podcast – but it’s a great way to reach a wider audience

Excerpt:

In the face of conflict in the Middle East, the flow of refugees to Europe and the violence associated with Islamic State and other militants, there has never been a more important time to talk about human rights. And talk about them is what I do – not in a lecture hall or at conferences with academics, but in a podcast series. Let me explain why.

I have worked as a political scientist for 25 years, focusing on human rights problems such as the struggle for citizenship rights in Latin America and the relationship between inequality and human rights violations.

I am part of a wide network of people dedicated to producing sound evidence on human rights, and my work has been communicated through articles, books and reports. But I am limited in my ability to reach the people I would most like to engage and influence – those who do not have an academic understanding of human rights but might benefit from finding out about it.

There is a new breed of academic who understands this and is committed to bridging the gap between academia and the real world. Many blog, actively seek media coverage of their research and appear on radio and television to shed light on the issues of the day.

 

 

From DSC:
Some of the tools that Landman mentioned were:

e-camm-for-skype-jan2016

  • A MacBook Pro and its free audio editing software GarageBand (for Mac OS X and for iOS)
  • A lapel mic used with his iPhone

 

garageband-jan2016

 

Some other tools to consider:

 

 

From DSC:
The above articles point to the idea — and the need — of creating “streams of content” — something that I wish more professors, teachers, staff, administrators, trainers, and instructional designers would create. Blogs, podcasts, and the use of Twitter come to my mind. Such channels could really help build others’ learning ecosystems.

Many professors and academics — folks who have so much information to share with the world — often produce works just for other academics in their discipline to review/check out. Such bubbles don’t have the impact that would occur if professors created streams of content for members of society to check out and learn from. Such mechanisms would also hopefully strip away some of the more academic sounding language and would get to the point.

 

 

streams-of-content-blue-overlay

 

 

 

 

Also see:

podcastscratch-june2015

 

By the numbers: MOOCS in 2015 — from class-central.com by
How has the MOOC space grown this year? Get the facts, figures, and pie charts

Excerpt:

The MOOC space essentially doubled this year. More people signed up for MOOCs in 2015 than they did in the first three years of the “modern” MOOC movement (which started in late 2011—when the first Stanford MOOCs took off). According to data collected by Class Central, the total number of students who signed up for at least one course has crossed 35 million—up from an estimated 16-18 million last year.

Growth-of-Moocs

 

Coursera, the largest online course provider in the world (MOOC or otherwise), added 7 million new students to its userbase (and so it now has 17 million students in total).

This is the first time that the MOOC market has grown faster than Coursera. Last year, Coursera was bigger than all other MOOC providers combined, but in 2015 it accounts for slightly less than 50% of all MOOC students.

Currently there are 100+ Specializations, Nanodegrees, and XSeries credentials, most of which were created in 2015, and we can expect that number to more than double in 2016. The projections for 2017 and beyond could be exponential. We tracked this trend early, and this enabled us at Class Central to introduce a free credential exploration and rating service called Credentialing the Credentials.

 

500+ Universities, 4200 courses, 35 Million Students 

 

 

 

Stanford runs MOOC for science teachers on helping students read — from thejournal.com by Dian Schaffhauser

Excerpt:

Next week a new massive open online course will begin for K-12 science teachers who want to learn how to help their students read and understand scientific texts. The course, delivered by Stanford University faculty, is free to participants. Four course sessions will run for 12 weeks and will deliver the equivalent of about 20 hours of professional development. The MOOC begins on January 13 and will be hosted on the NovoEd platform.

Reading To Learn in Science” is being taught by Jonathan Osborne, a professor of science education in Stanford’s Graduate School of Education. In a previous career, Osborne spent nine years teaching physics in inner city London schools.

 

 

 

FutureLearnShakespeareMOOC-Jan2016

About the course

This free online course will look at the life and works of William Shakespeare and take you from his Birthplace in Stratford-upon-Avon to the Globe Theatre in London, from where he secured his central place in English literature.We will look at five of Shakespeare’s plays with the help of actors and experts from around the world. They will explain and explore the universal themes Shakespeare addressed in his work. The plays are: Romeo and Juliet, Hamlet, Much Ado About Nothing, The Tempest and Macbeth. Our video tutor will guide you through the course and look at some of the words and expressions that Shakespeare introduced to the English language. Short quizzes will check your understanding and you’ll be asked to share your ideas and opinions on the topics Shakespeare raises.

 

 

 

Massive Open Online Course market by platform, course, service & region – global forecast to 2020 — from researchandmarkets.com

Excerpt:

The growing demand of reliable online learning technologies is the driving force of Massive Open Online Course (MOOC) market.
The market is estimated to grow from USD 1.83 billion in 2015 to USD 8.50 billion by 2020, at an estimated compound annual growth rate (CAGR) of 36.0%. Adoption of device-based computing, increased connectivity of platform, and emergence of online and collaborative learning and personalization of technology are some of the prominent factors driving the adoption of MOOC platform and services.
Asia-Pacific (APAC) expected to be grow at the highest CAGR for MOOC platform.

The report will help the market leaders/new entrants in this market in the following ways:

  1. This report segments the MOOC market comprehensively and provides the closest approximations of the revenue numbers for the overall market and the subsegments across end-users and regions.
  2. The report will help stakeholders to understand the pulse of the market and provide them information on key market drivers, restraints, challenges, and opportunities.
  3. This report will help in understanding the competitors better and gain more insights to strengthen their position in the business. The competitive landscape section includes competitor ecosystem, new product developments, partnerships, mergers and acquisitions.

Companies Profiled:

  • Blackboard, Inc.
  • Coursera, Inc.
  • Edx, Inc.
  • Futurelearn
  • Instructure, Inc.
  • Iversity, Org.
  • Miriada X
  • Novoed, Inc.
  • Open2Study
  • Udacity, Inc.
 

Is the next Uber coming your way? — from ibm.com IBM’s Global C-suite Study

Excerpt:

This report is IBM’s second study of the entire C-suite and the eighteenth in the ongoing series of CxO studies developed by the IBM Institute for Business Value. We now have data from more than 28,000 interviews stretching back to 2003. Our latest study draws on input from:

Chief Executive Officers (CEOs): 818
Chief Finance Officers (CFOs): 643
Chief Human Resources Officers (CHROs): 601
Chief Information Officers (CIOs): 1,805
Chief Marketing Officers (CMOs): 723
Chief Operating Officers (COOs): 657

Innovations that harness new technologies or business models, or exploit old technologies in new ways, are emerging on an almost daily basis. And the most disruptive enterprises don’t gradually displace the incumbents; they reshape entire industries, swiftly obliterating whatever stands in their way. So how are C-suite executives (CxOs) tackling the threat of competition from companies in other sectors or with very different business models? Our latest study explores what they think the future holds, how they’re identifying new trends and how they’re positioning their organizations to prosper in the “age of disruption.”

 

NextUberComingYourWay-IBM-2015

 

From DSC:
Is looking out for the next Uber just something that corporations/businesses should be doing? Isn’t this true for us as individuals as well? That is, aren’t our jobs/positions vulnerable to disruption as well? As our organizations go, so we often go.  As such, should we leave the pulse checking to others or should we be developing these types of skills ourselves? That is, shouldn’t our own gazes be set on the horizons so that we aren’t broadsided as individuals? 

Given the pace of change and given that more of us are freelancing, this is why I think that we need more such training within K-12 and higher education — programs that focus on pulse checking a variety of landscapes. Futurism is not gazing into some magic ball; such skills can be useful today.

 

 

DanielChristian-MonitoringTrends

 

 

 

From DSC:
Below are some further items that discuss the need for some frameworks, policies, institutes, research, etc. that deal with a variety of game-changing technologies that are quickly coming down the pike (if they aren’t already upon on).  We need such things to help us create a positive future.

Also see Part I of this thread of thinking entitled, “The need for ethics, morals, policies, & serious reflection about what kind of future we want has never been greater!  There have been so many other items that came out since that posting, I felt like I needed to add another one here.

What kind of future do we want? How are we going to insure that we get there?

As the saying goes…”Just because we can do something, doesn’t mean we should.” Or another saying comes to my mind…”What could possibly go wrong with this? It’s a done deal.”

While some of the items below should have very positive impacts on society, I do wonder how long it will take the hackers — the ones who are bent on wreaking havoc — to mess up some of these types of applications…with potentially deadly consequences? Security-related concerns must be dealt with here.


 

5 amazing and alarming things that may be done with your DNA — from washingtonpost.com by Matt McFarland

Excerpt (emphasis DSC):

Venter is leading efforts to use digital technology to analyze humans in ways we never have before, and the results will have huge implications for society. The latest findings he described are currently being written up for scientific publications. Venter didn’t want to usurp the publications, so he wouldn’t dive into extensive detail of how his team has made these breakthroughs. But what he did share offers an exciting and concerning overview of what lies ahead for humanity. There are social, legal and ethical implications to start considering. Here are five examples of how digitizing DNA will change the human experience:

 

 

These are the decisions the Pentagon wants to leave to robots — from defenseone.com by Patrick Tucker
The U.S. military believes its battlefield edge will increasingly depend on automation and artificial intelligence.

Excerpt:

Conducting cyber defensive operations, electronic warfare, and over-the-horizon targeting. “You cannot have a human operator operating at human speed fighting back at determined cyber tech,” Work said. “You are going to need have a learning machine that does that.” He did not say  whether the Pentagon is pursuing the autonomous or automatic deployment of offensive cyber capabilities, a controversial idea to be sure. He also highlighted a number of ways that artificial intelligence could help identify new waveforms to improve electronic warfare.

 

 

Britain should lead way on genetically engineered babies, says Chief Scientific Adviser — from.telegraph.co.uk by Sarah Knapton
Sir Mark Walport, who advises the government on scientific matters, said it could be acceptable to genetically edit human embryos

Excerpt:

Last week more than 150 scientists and campaigners called for a worldwide ban on the practice, claiming it could ‘irrevocably alter the human species’ and lead to a world where inequality and discrimination were ‘inscribed onto the human genome.’

But at a conference in London [on 12/8/15], Sir Mark Walport, who advises the government on scientific matters, said he believed there were ‘circumstances’ in which the genetic editing of human embyros could be ‘acceptable’.

 

 

Cyborg Future: Engineers Build a Chip That Is Part Biological and Part Synthetic — from futurism.com

Excerpt:

Engineers have succeeded in combining an integrated chip with an artificial lipid bilayer membrane containing ATP-powered ion pumps, paving the way for more such artificial systems that combine the biological with the mechanical down the road.

 

 

Robots expected to run half of Japan by 2035 — from engadget.com by Andrew Tarantola
Something-something ‘robot overlords’.

Excerpt:

Data analysts Nomura Research Institute (NRI), led by researcher Yumi Wakao, figure that within the next 20 years, nearly half of all jobs in Japan could be accomplished by robots. Working with Professor Michael Osborne from Oxford University, who had previously investigated the same matter in both the US and UK, the NRI team examined more than 600 jobs and found that “up to 49 percent of jobs could be replaced by computer systems,” according to Wakao.

 

 

 

Cambridge University is opening a £10 million centre to study the impact of AI on humanity — from businessinsider.com by Sam Shead

Excerpt:

Cambridge University announced on [12/3/15] that it is opening a new £10 million research centre to study the impact of artificial intelligence on humanity.

The 806-year-old university said the centre, being funded with a grant from non-profit foundation The Leverhulme Trust, will explore the opportunities and challenges facing humanity as a result of further developments in artificial intelligence.

 

Cambridge-Center-Dec2015

 

 

Tech leaders launch nonprofit to save the world from killer robots — from csmonitor.com by Jessica Mendoza
Elon Musk, Sam Altman, and other tech titans have invested $1 billion in a nonprofit that would help direct artificial intelligence technology toward positive human impact. 

 

 

 

 

2016 will be a pivotal year for social robots — from therobotreport.com by Frank Tobe
1,000 Peppers are selling each month from a big-dollar venture between SoftBank, Alibaba and Foxconn; Jibo just raised another $16 million as it prepares to deliver 7,500+ units in Mar/Apr of 2016; and Buddy, Rokid, Sota and many others are poised to deliver similar forms of social robots.

Excerpt:

These new robots, and the proliferation of mobile robot butlers, guides and kiosks, promise to recognize your voice and face and help you plan your calendar, provide reminders, take pictures of special moments, text, call and videoconference, order fast food, keep watch on your house or office, read recipes, play games, read emotions and interact accordingly, and the list goes on. They are attempting to be analogous to a sharp administrative assistant that knows your schedule, contacts and interests and engages with you about them, helping you stay informed, connected and active.

 

 

IBM opens its artificial mind to the world — from fastcompany.com by Sean Captain
IBM is letting companies plug into its Watson artificial intelligence engine to make sense of speech, text, photos, videos, and sensor data.

Excerpt:

Artificial intelligence is the big, oft-misconstrued catchphrase of the day, making headlines recently with the launch of the new OpenAI organization, backed by Elon Musk, Peter Thiel, and other tech luminaries. AI is neither a synonym for killer robots nor a technology of the future, but one that is already finding new signals in the vast noise of collected data, ranging from weather reports to social media chatter to temperature sensor readings. Today IBM has opened up new access to its AI system, called Watson, with a set of application programming interfaces (APIs) that allow other companies and organizations to feed their data into IBM’s big brain for analysis.

 

 

GE wants to give industrial machines their own social network with Predix Cloud — from fastcompany.com by Sean Captain
GE is selling a new service that promises to predict when a machine will break down…so technicians can preemptively fix it.

 

 

Foresight 2020: The future is filled with 50 billion connected devices — from ibmbigdatahub.com by Erin Monday

Excerpt:

By 2020, there will be over 50 billion connected devices generating continuous data.

This figure is staggering, but is it really a surprise? The world has come a long way from 1992, when the number of computers was roughly equivalent to the population of San Jose. Today, in 2015, there are more connected devices out there than there are human beings. Ubiquitous connectivity is very nearly a reality. Every day, we get a little closer to a time where businesses, governments and consumers are connected by a fluid stream of data and analytics. But what’s driving all this growth?

 

 

Designing robots that learn as effortlessly as babies — from singularityhub.com by Shelly Fan

Excerpt:

A wide-eyed, rosy-cheeked, babbling human baby hardly looks like the ultimate learning machine.

But under the hood, an 18-month-old can outlearn any state-of-the-art artificial intelligence algorithm.

Their secret sauce?

They watch; they imitate; and they extrapolate.

Artificial intelligence researchers have begun to take notice. This week, two separate teams dipped their toes into cognitive psychology and developed new algorithms that teach machines to learn like babies. One instructs computers to imitate; the other, to extrapolate.

 

 

Researchers have found a new way to get machines to learn faster — from fortune.com by  Hilary Brueck

Excerpt:

An international team of data scientists is proud to announce the very latest in machine learning: they’ve built a program that learns… programs. That may not sound impressive at first blush, but making a machine that can learn based on a single example is something that’s been extremely hard to do in the world of artificial intelligence. Machines don’t learn like humans—not as fast, and not as well. And even with this research, they still can’t.

 

 

Team showcase how good Watson is at learning — from adigaskell.org

Excerpt:

Artificial intelligence has undoubtedly come a long way in the last few years, but there is still much to be done to make it intuitive to use.  IBM’s Watson has been one of the most well known exponents during this time, but despite it’s initial success, there are issues to overcome with it.

A team led by Georgia Tech are attempting to do just that.  They’re looking to train Watson to get better at returning answers to specific queries.

 

 

Why The Internet of Things will drive a Knowledge Revolution. — from linkedin.com by David Evans

Excerpt:

As these machines inevitably connect to the Internet, they will ultimately connect to each other so they can share, and collaborate on their own findings. In fact, in 2014 machines got their own ”World Wide Web” called RoboEarth, in which to share knowledge with one another. …
The implications of all of this are at minimum twofold:

  • The way we generate knowledge is going to change dramatically in the coming years.
  • Knowledge is about to increase at an exponential rate.

What we choose to do with this newfound knowledge is of course up to us. We are about to face some significant challenges at scales we have yet to experience.

 

 

Drone squad to be launched by Tokyo police — from bbc.com

Excerpt:

A drone squad, designed to locate and – if necessary – capture nuisance drones flown by members of the public, is to be launched by police in Tokyo.

 

 

An advance in artificial intelligence rivals human abilities — from todayonline.com by John Markoff

Excerpt:

NEW YORK — Computer researchers reported artificial-intelligence advances [on Dec 10] that surpassed human capabilities for a narrow set of vision-related tasks.

The improvements are noteworthy because so-called machine-vision systems are becoming commonplace in many aspects of life, including car-safety systems that detect pedestrians and bicyclists, as well as in video game controls, Internet search and factory robots.

 

 

Somewhat related:

Novo Nordisk, IBM Watson Health to create ‘virtual doctor’ — from wsj.com by Denise Roland
Software could dispense treatment advice for diabetes patients

Excerpt:

Novo Nordisk A/S is teaming up with IBM Watson Health, a division of International Business Machines Corp., to create a “virtual doctor” for diabetes patients that could dispense treatment advice such as insulin dosage.

The Danish diabetes specialist hopes to use IBM’s supercomputer platform, Watson, to analyze health data from diabetes patients to help them manage their disease.

 

 

Why Google’s new quantum computer could launch an artificial intelligence arms race — from washingtonpost.com

 

 

 

8 industries robots will completely transform by 2025 — from techinsider.io

 

 

 

Addendums on 12/17/15:

Russia and China are building highly autonomous killer robots — from businessinsider.com.au by Danielle Muoi

Excerpt:

Russia and China are creating highly autonomous weapons, more commonly referred to as killer robots, and it’s putting pressure on the Pentagon to keep up, according to US Deputy Secretary of Defense Robert Work. During a national-security forum on Monday, Work said that China and Russia are heavily investing in a roboticized army, according to a report from Defense One.

Your Algorithmic Self Meets Super-Intelligent AI — from techcrunch.com by Jarno M. Koponen

Excerpt:

At the same time, your data and personalized experiences are used to develop and train the machine learning systems that are powering the Siris, Watsons, Ms and Cortanas. Be it a speech recognition solution or a recommendation algorithm, your actions and personal data affect how these sophisticated systems learn more about you and the world around you.

The less explicit fact is that your diverse interactions — your likes, photos, locations, tags, videos, comments, route selections, recommendations and ratings — feed learning systems that could someday transform into superintelligent AIs with unpredictable consequences.

As of today, you can’t directly affect how your personal data is used in these systems

 

Addendum on 12/20/15:

 

Addendum on 12/21/15:

  • Facewatch ‘thief recognition’ CCTV on trial in UK stores — from bbc.com
    Excerpts (emphasis DSC):
    Face-recognition camera systems should be used by police, he tells me. “The technology’s here, and we need to think about what is a proportionate response that respects people’s privacy,” he says.

    “The public need to ask themselves: do they want six million cameras painted red at head height looking at them?

 

Addendum on 1/13/16:

 

From DSC:
This posting is meant to surface the need for debates/discussions, new policy decisions, and for taking the time to seriously reflect upon what type of future that we want.  Given the pace of technological change, we need to be constantly asking ourselves what kind of future we want and then to be actively creating that future — instead of just letting things happen because they can happen. (i.e., just because something can be done doesn’t mean it should be done.)

Gerd Leonhard’s work is relevant here.  In the resource immediately below, Gerd asserts:

I believe we urgently need to start debating and crafting a global Digital Ethics Treaty. This would delineate what is and is not acceptable under different circumstances and conditions, and specify who would be in charge of monitoring digressions and aberrations.

I am also including some other relevant items here that bear witness to the increasingly rapid speed at which we’re moving now.


 

Redefining the relationship of man and machine: here is my narrated chapter from the ‘The Future of Business’ book (video, audio and pdf) — from futuristgerd.com by Gerd Leonhard

.

DigitalEthics-GerdLeonhard-Oct2015

 

 

Robot revolution: rise of ‘thinking’ machines could exacerbate inequality — from theguardian.com by Heather Stewart
Global economy will be transformed over next 20 years at risk of growing inequality, say analysts

Excerpt (emphasis DSC):

A “robot revolution” will transform the global economy over the next 20 years, cutting the costs of doing business but exacerbating social inequality, as machines take over everything from caring for the elderly to flipping burgers, according to a new study.

As well as robots performing manual jobs, such as hoovering the living room or assembling machine parts, the development of artificial intelligence means computers are increasingly able to “think”, performing analytical tasks once seen as requiring human judgment.

In a 300-page report, revealed exclusively to the Guardian, analysts from investment bank Bank of America Merrill Lynch draw on the latest research to outline the impact of what they regard as a fourth industrial revolution, after steam, mass production and electronics.

“We are facing a paradigm shift which will change the way we live and work,” the authors say. “The pace of disruptive technological innovation has gone from linear to parabolic in recent years. Penetration of robots and artificial intelligence has hit every industry sector, and has become an integral part of our daily lives.”

 

RobotRevolution-Nov2015

 

 

 

First genetically modified humans could exist within two years — from telegraph.co.uk by Sarah Knapton
Biotech company Editas Medicine is planning to start human trials to genetically edit genes and reverse blindness

Excerpt:

Humans who have had their DNA genetically modified could exist within two years after a private biotech company announced plans to start the first trials into a ground-breaking new technique.

Editas Medicine, which is based in the US, said it plans to become the first lab in the world to ‘genetically edit’ the DNA of patients suffering from a genetic condition – in this case the blinding disorder ‘leber congenital amaurosis’.

 

 

 

Gartner predicts our digital future — from gartner.com by Heather Levy
Gartner’s Top 10 Predictions herald what it means to be human in a digital world.

Excerpt:

Here’s a scene from our digital future: You sit down to dinner at a restaurant where your server was selected by a “robo-boss” based on an optimized match of personality and interaction profile, and the angle at which he presents your plate, or how quickly he smiles can be evaluated for further review.  Or, perhaps you walk into a store to try on clothes and ask the digital customer assistant embedded in the mirror to recommend an outfit in your size, in stock and on sale. Afterwards, you simply tell it to bill you from your mobile and skip the checkout line.

These scenarios describe two predictions in what will be an algorithmic and smart machine driven world where people and machines must define harmonious relationships. In his session at Gartner Symposium/ITxpo 2016 in Orlando, Daryl Plummer, vice president, distinguished analyst and Gartner Fellow, discussed how Gartner’s Top Predictions begin to separate us from the mere notion of technology adoption and draw us more deeply into issues surrounding what it means to be human in a digital world.

 

 

GartnerPredicts-Oct2015

 

 

Univ. of Washington faculty study legal, social complexities of augmented reality — from phys.org

Excerpt:

But augmented reality will also bring challenges for law, public policy and privacy, especially pertaining to how information is collected and displayed. Issues regarding surveillance and privacy, free speech, safety, intellectual property and distraction—as well as potential discrimination—are bound to follow.

The Tech Policy Lab brings together faculty and students from the School of Law, Information School and Computer Science & Engineering Department and other campus units to think through issues of technology policy. “Augmented Reality: A Technology and Policy Primer” is the lab’s first official white paper aimed at a policy audience. The paper is based in part on research presented at the 2015 International Joint Conference on Pervasive and Ubiquitous Computing, or UbiComp conference.

Along these same lines, also see:

  • Augmented Reality: Figuring Out Where the Law Fits — from rdmag.com by Greg Watry
    Excerpt:
    With AR comes potential issues the authors divide into two categories. “The first is collection, referring to the capacity of AR to record, or at least register, the people and places around the user. Collection raises obvious issues of privacy but also less obvious issues of free speech and accountability,” the researchers write. The second issue is display, which “raises a variety of complex issues ranging from possible tort liability should the introduction or withdrawal of information lead to injury, to issues surrounding employment discrimination or racial profiling.”Current privacy law in the U.S. allows video and audio recording in areas that “do not attract an objectively reasonable expectation of privacy,” says Newell. Further, many uses of AR would be covered under the First Amendment right to record audio and video, especially in public spaces. However, as AR increasingly becomes more mobile, “it has the potential to record inconspicuously in a variety of private or more intimate settings, and I think these possibilities are already straining current privacy law in the U.S.,” says Newell.

 

Stuart Russell on Why Moral Philosophy Will Be Big Business in Tech — from kqed.org by

Excerpt (emphasis DSC):

Our first Big Think comes from Stuart Russell. He’s a computer science professor at UC Berkeley and a world-renowned expert in artificial intelligence. His Big Think?

“In the future, moral philosophy will be a key industry sector,” says Russell.

Translation? In the future, the nature of human values and the process by which we make moral decisions will be big business in tech.

 

Life, enhanced: UW professors study legal, social complexities of an augmented reality future — from washington.edu by Peter Kelley

Excerpt:

But augmented reality will also bring challenges for law, public policy and privacy, especially pertaining to how information is collected and displayed. Issues regarding surveillance and privacy, free speech, safety, intellectual property and distraction — as well as potential discrimination — are bound to follow.

 

An excerpt from:

UW-AR-TechPolicyPrimer-Nov2015

THREE: CHALLENGES FOR LAW AND POLICY
AR systems  change   human  experience   and,  consequently,   stand  to   challenge   certain assumptions  of  law  and  policy.  The  issues  AR  systems  raise  may  be  divided  into  roughly two  categories.  The  first  is  collection,  referring  to  the  capacity  of  AR  devices  to  record,  or  at  least register,  the people and  places around  the user.  Collection  raises obvious  issues of  privacy  but  also  less  obvious  issues  of  free  speech  and  accountability.  The  second  rough  category  is  display,  referring  to  the  capacity  of  AR  to  overlay  information over  people  and places  in  something  like  real-time.  Display  raises  a  variety  of  complex  issues  ranging  from
possible  tort  liability  should  the  introduction  or  withdrawal  of  information  lead  to  injury,  to issues   surrounding   employment   discrimination   or   racial   profiling.   Policymakers   and stakeholders interested in AR should consider what these issues mean for them.  Issues related to the collection of information include…

 

HR tech is getting weird, and here’s why — from hrmorning.com by guest poster Julia Scavicchio

Excerpt (emphasis DSC):

Technology has progressed to the point where it’s possible for HR to learn almost everything there is to know about employees — from what they’re doing moment-to-moment at work to what they’re doing on their off hours. Guest poster Julia Scavicchio takes a long hard look at the legal and ethical implications of these new investigative tools.  

Why on Earth does HR need all this data? The answer is simple — HR is not on Earth, it’s in the cloud.

The department transcends traditional roles when data enters the picture.

Many ethical questions posed through technology easily come and go because they seem out of this world.

 

 

18 AI researchers reveal the most impressive thing they’ve ever seen — from businessinsider.com by Guia Marie Del Prado,

Excerpt:

Where will these technologies take us next? Well to know that we should determine what’s the best of the best now. Tech Insider talked to 18 AI researchers, roboticists, and computer scientists to see what real-life AI impresses them the most.

“The DeepMind system starts completely from scratch, so it is essentially just waking up, seeing the screen of a video game and then it works out how to play the video game to a superhuman level, and it does that for about 30 different video games.  That’s both impressive and scary in the sense that if a human baby was born and by the evening of its first day was already beating human beings at video games, you’d be terrified.”

 

 

 

Algorithmic Economy: Powering the Machine-to-Machine Age Economic Revolution — from formtek.com by Dick Weisinger

Excerpts:

As technology advances, we are becoming increasingly dependent on algorithms for everything in our lives.  Algorithms that can solve our daily problems and tasks will do things like drive vehicles, control drone flight, and order supplies when they run low.  Algorithms are defining the future of business and even our everyday lives.

Sondergaard said that “in 2020, consumers won’t be using apps on their devices; in fact, they will have forgotten about apps. They will rely on virtual assistants in the cloud, things they trust. The post-app era is coming.  The algorithmic economy will power the next economic revolution in the machine-to-machine age. Organizations will be valued, not just on their big data, but on the algorithms that turn that data into actions that ultimately impact customers.”

 

 

Related items:

 

Addendums:

 

robots-saying-no

 

 

Addendum on 12/14/15:

  • Algorithms rule our lives, so who should rule them? — from qz.com by Dries Buytaert
    As technology advances and more everyday objects are driven almost entirely by software, it’s become clear that we need a better way to catch cheating software and keep people safe.
 

The World’s Largest iBeacon Network Emerges — from prnewswire.com

Excerpt:

BEIJING, Nov. 12, 2015 /PRNewswire/ — The world’s largest network of iBeacon devices has emerged in China, consisting of 110,000 units run and managed by Sensoro. The network spans 25 movie theatres, sixteen airports, 39 high-end retail stores, 40 major tourist destinations, 200 universities, 260 high speed trains, 1,500 Pizza Hut restaurants, and 2,100 Chow Tai Fook (CTF) jewelry retail stores among other locations.

During the 2015 Chinese New Year, Chow Tai Fook’s use of iBeacon brought in 11 million dollars in revenue with a conversion rate up to 63%, far surpassing expectations (Source: CTF 2015 annual earnings).

 

Also see:

 

sensoro-nov2015

 

From the Inter-American Dialogue and the Inter-American Development Bank: A new foresight resource freely available to the public entitled, A Database of Reports on Global Trends and Future Scenarios.

This database includes nearly 800 foresight publications and reports from around the world, and it provides governments, banks, corporations, universities, think tanks, and other institutions continuous access to information and analyses on trends and future scenarios.

GlobalTrendsFutureScenariosDatabase2015

 

From DSC:
Given that the pace of change has changed & given that disruption seems to be upending one industry after another, futurism should be taught throughout K-12 & throughout higher education. (There are some programs out there within higher education, but not many.)

If more of us were trained in looking up to see what’s happening around us — or what’s about to happen around us — the chances of us being broadsided or surprised by something are greatly diminished. Also, we can better plan for — and create — our futures.

 

 

From DSC:
Might the education system in Finland affect how innovative their citizens are?

It surely looks like it.


 

These are the most innovative countries in the world — from agenda.weforum.org

 

InnovativeCountries2015

 

 
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