Sep
6
Talking Insurance to Your Motor Car
Filed Under B2B, Big Data, Blog, data analytics, data protection, Financial services, healthcare, Industry Analysis, internet, mobile content, online advertising, Publishing, Reed Elsevier, Search, semantic web, social media, Uncategorized, Workflow | Leave a Comment
I often get questions about the future role of mobile, many of which stump me, since if you had really wanted to design a less adequate content carrier than the smartphone you would be hard put to know where to start. It is adequately inadequate for reading novels. It has great limitations as a platform technology and if it were not for the fact that we are surrounded by ubiquitous bandwidth and all want to walk and talk at the same time, it is hard to see why we got where we are. I generally mutter words like “transactions” and “fulfilment” and move to the edge of the group in the hope of picking up a hint. OK, I get the tablet and the phablet and the mini-tablet, but I was last completely clear ten years ago when N Negroponte and others said that convergence would take place and everything we did on the move would go into one nano-box. It hasn’t happened, and I have lost the belief that it will. So how will the smartphone transform our lives? My current bet is that it will enable us to talk to the network of objects – and get answers. Lets start with the motor car aka automobile.
Or should I say aka computer? Even my aged machine (I call it Humphrey, fondly imagining its demented efforts to go where it will, not where I am trying to direct it, are pale imitations of civil service passive aggression to my Prime Ministerial decision-making) is a processor that gives up its secrets only to the right people. But OBDII solutions are getting cheaper, as are the scanners that read what the car is thinking about through these interfaces. I am certain that we therefore approach the time when, as you start the vehicle, you smartphone will tell you, having recognized the relationship of owner and driver and activated the Bluetooth, how worn the brake pads are, and that the oil change cannot be further delayed. Indeed, your virtual personal assistant may be already making the appointment. And as your car increasingly morphs into a driverless vehicle (this will relieve Humphrey of a lot of his current uncertainty, since he not me will be reading the satnav, which is an embedded smartphone feature) so your need to talk to it will grow greater. How otherwise will you know about the recall for suspension repairs, or the best place to get snow tyres, or indeed that your tax disc is running out? Increasingly the networked world will talk to your car as well, and that talk will be reported to you as decisions to be made. I believe that we will communicate those decisions mostly by speech: we are poor respondents to email and the power of advertising in conventional media is diminishing. But if the car says, via the smartphone, while you are driving along “Are we getting snow tyres this year, because I have a file here with all the offerings?” we can either say “Yes, bring it on” or “Never mention this in my hearing again, Humphrey”.
So we have a smartphone with satnav and OBDII scanner and we chat away, the car and I, in perfect amity. But where is the factor on the internet that makes all change work? The combination of productivity gain, improved decision making and better compliance that feeds every successful innovation with cost and time reduction that makes things work? I was stumped until this morning, when I chanced upon an announcement from Lexis Nexis Risk Solutions (http://www.lexisnexis.com/risk/telematics.aspx), who have launched Lexis Nexis Telematics Mobile. Their target is the insurer, and the potential future growth of UBI – Usage Based Insurance. Now, if you paid insurance by the month, and your insurer had an interface which showed him how you drove, as well as what your driving record was and how your car was maintained, there would be incentives for careful drivers with properly serviced vehicles to get progressive discounting. Along with greater security from theft, users will for the first time experience vehicle insurance which is not a commodity, based on their address, or their age or gender, but which is a personal reflection of their behaviour. And the monitor for all this, both for the insurer and the user, will be the ubiquitous smartphone.
Now, take this scenario out of the auto world and put it in the context of every day life. When we say that eventually a networked world will change the fundamentals of the way we live, and the smartphone is at the heart of that, then this is what we surely mean. Connect up all those wearable computing devices that measure your heart, your steps, your energy or your brainwaves – and put all those environments into the smartphone, and add the medical insurers. And do not stop until you have covered every human function, extension and attribute. And then calculate the sheer “publishing power” which will be needed to resource and update all these apps, and the software development needed to turn the workflow of life into a conversation with your smartphone, and you are beginning to feel the edges of the cloth from which the future of the information society will be fashioned.
Jul
1
After The Librarians…?
Filed Under Big Data, Blog, data analytics, Industry Analysis, internet, Publishing, Reed Elsevier, Search, semantic web, STM, Uncategorized, Workflow | Leave a Comment
Last week’s blog on growing STM sparked some debate, mostly around the realization that if existing powerful publishers who work in research article publishing drive business development towards the workflow of researchers and towards the implications of data analysis and visualization, then current business models may collapse in time – and much else with them. For many publishers this may be expressed as a struggle to “buy time” – prop up the existing business model while culturing the new one. And a part of that culture change is almost never discussed publicly in STM circles. It is the skills changes that will have to take place as publishers (article and journal vendors) have to move from satisfying the generalized, “Big Deal” based procurement requirements of powerful research librarians, library network tsars and institutional information management to coping with the market of many, the precise needs of a researcher, a project or a department. While I have not been to a library-based meeting in over a decade without someone raising the plight of disintermediated librarians, no one seems worried by the idea that the front part of the publishing pantomime horse is innovating in development terms a sequence of product and market shifts that the sales and marketing back legs have no clue how to sell.
This thought struck particularly forcefully this week when I read an article (http://editorsupdate.elsevier.com/issue-39-june-2013/how-to-handle-digital-content/) posted on the Elsevier website on 26 June. Ten years ago I played a brief part as a judge in a competition called The Article of the Future (AotF) organized by Elsevier’s David Marques. Then our aspiration was simply to make the article a born digital environment, not a digitized print artifact. A decade later that is triumphantly achieved, and now the question is the other way about: the article is something which can only exist digitally, and may never again be satisfactorily “printed”. The value in an article, for Elsevier, can only be revealed inside ScienceDirect. The data cursor and interactive plot viewer that enables you to look at the author’s data points will only be available there. Presentation which puts the article in a central pane with a column of navigation on the left and references and tools on the right will be the way to view an article there. Here Kitware SAS have installed a 3D molecular viewer and 3D archaeological viewer – authors upload the model as a supplementary file, and the service then copes with both ribbons and “balls-and-sticks” modelling. A neuroscience 3D imaging package follows.
Then there are the Executable Papers. Just as f1000 has been insisting that data files must accompany articles where relevant, so Elsevier has been experimenting with the journal “Computers & Graphics”. One of the things an article was always intended to do but never managed on paper was to “achieve the full reproducibility of key scientific findings”. Here is a dream of scholarly communication coming closer. Then add some tools: Elsevier show an interactive (Google) map viewer, a chemical compound viewer, interactive phylogenetic trees, and MATLAB figures. And here at last are simple links to connect articles with data held in data repositories, and alongside them links to a PubChem Compound viewer that they have built jointly with the National Center for Biotechnology and Information. Finally, for authors publishing in this AotF format, why not add some AudioSlides? Here, in a voice file with some slides, you can add introduce the concepts and add your own view, outside of the article itself but attached to it, on why this may be important. If article publishing is researcher marketing, this must be a great advance.
So here we have scholarly communication back in the hands of scholars, in the context of wholly digital networked exchanges. With f1000 now creating a logic for post-publication peer review, we can envisage the complete disappearance of the second and third tier journals, with the high brand top journals selecting their articles as post-initial publication edited versions, reflecting some of the feedback and adding more data and supplementary information. In some fields the data and its modelling and the researcher conclusions will stand alone as citable “papers”. The Big Deal argument collapses, as it already threatens to do, into a discussion on database access, and Open Access (more of a threat to librarians than publishers). While publishers use the added value digital article game as a way of bridging the move into workflow markets, they need to know that this is a temporary bridge: in less than five years what seems futuristic today about the Article of the Future will be part of the desktop toolset of every scientist preparing an article for initial publication in his own repository. The emphasis then, and the business of many who call themselves publishers now, will be on selling those tools, creating the services that integrate content in to the context of the research enquiry, enabling the retention and cross-referencing of knowledge, and tracking the benefits – and costs – of lines of research. The race to the Electronic Lab Manual and its successors was never more apparent.
And in this world where are the Research Librarians? One cannot argue with those who point out that important roles of preservation need to be tackled, or that research teams, departments and individuals will all need support and advice. But if those tasks are information management roles within the research team, supported and funded just like the publication of articles, then the infrastructure of buildings and people and budgets surrounding the word “library” may become an anachronism. Publishers who see this as a major release of resources may be tempted to rejoice. Those in sales and marketing who loved the years of brokering “Big Deals” may cry, for the world that beckons requires them to do what every other digital marketplace has had to do, often with limited success: understand the working lives of ultimate end-user customers with an understanding of how they might save time and trouble in the search for greater productivity, better decision making, and improved compliance with research benchmarks and good practise.
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