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U.S. Banks Deploying New Mobile App

Thousands of banks around the world use the Fiserv Mobiliti platform to deliver mobile banking apps to their customers 24/7. The next generation of Mobiliti has several new features, including personalized insights. These insights deliver what banking customers need to know at every step in a mobile interaction, and guide them to more information and the actions they need to take to accomplish their goals.

For more information, go to

Startup Advice: When to Monetize

eXprtViews had the opportunity to sit down with Jake Dunlap, CEO of Skaled consulting.  He shares his top-tips for startups on when to begin to monetize your site – for B2C and B2B. Skaled helps startups scale their sales, marketing and business development by providing strategic and operational support.

Dunlap works with many startups to help guide them to making money. He suggests that each situation is different, but there are some general guidelines for both B2C and B2B startup businesses – including building great content and defining key target markets.

Check out Skaled at or contact them at

Mark Zuckerberg Shares Thoughts at Startup School

Mark Zuckerberg, founder of Facebook, at Y Combinator Startup School sharing his perspective on creating a company.

This piece was presented in Stanford Memorial Auditorium by Y Combinator and the Stanford Technology Ventures Program.

White People Are the Most Likely to Bank Online and the Least Likely to Bank On Mobile, New Pew Survey Finds



White people are likelier than blacks and Hispanics to bank online, but far less likely to bank on their mobile devices than other ethnicities, according to a new report from the Pew Research Center.

Why? We have no idea.

Overall, the report found that 51% of US adults bank online and 32% bank on their mobile devices.

The variances between ethnicities in online banking are less pronounced: 63% of whites bank online versus 48% of blacks and 62% of Hispanics.

Aside from white people, online banking is led by representatives from the following groups: those who are young (18-29), male, college graduates, have higher income ($75,000+), or live in suburban areas.

Mobile presents a more complex picture. Whites are less likely (32%) than blacks (39%) and Hispanics (41%) to be mobile banking users, according to Pew.

In other ways, mobile banking tends to follow conventional wisdom. Mobile bankers tend to be younger, have attended at least some college, and to have a mid-level income ($50,000 – $74,000). Men and women are equally likely to have banked on a mobile device (35%).

The report does not make any guesses as to why blacks and Hispanics are so much more likely to be mobile bankers than whites. And neither can we.

The full findings from the report are here.


This article originally appeared on here.

The Best Job Search Websites

Ready for a change of workplace? These job sites will help you find, apply to, and ultimately, land your dream job.

Eric GriffithBy Eric GriffithJennifer Bergen


It’s safe to say we’ve all searched for a job at some point or another. And depending on the job market, you could be going up against 10 other qualified job seekers—or several hundred. According to the Department of Labor, the unemployment rate in the United States hit a high of 10 percent in October 2009, but by April 2013 it had fallen to 7.5 percent, still a far cry from the 2007 low of 4.4 percent. But the recent percentage drop means more companies are hiring and more people are landing jobs. You should be one of them. 

So how exactly are the newly employed finding those jobs? Are they pounding the pavement? Sometimes, but it’s much easier to pound the keyboard. There are dozens of sites designed to find you the perfect gig, and from them we’ve picked our 13 favorites. They do more than just provide a database of job listings to search however. Many of them host your résumé and try to make it as visible as possible to employers looking for the perfect staff. (Need some help in that department? Check out our tips for résumés and cover letters.) Some even take advantage of social networking to get your foot in the door. After all, it’s not what you know, it’s who you know.

We can’t guarantee you’ll find your dream job right away with these sites, but you’ll certainly get a panoramic view of what’s available in your field. Who knows, you may even decide to explore a new career path.

By the way, you should probably spend less time job searching online than you currently are, according to the experts. In an interview with Forbes, Robert Hellmann, the author ofYour Social Media Job Search, recommends that your job hunt consist of 80 percent personal networking, 10 percent talking to headhunters, and only that last 10 percent for online searches and applications. And if you’re fresh out of school, be sure to study thesenine tech tips for job-hunting grads. Happy hunting!

Do you use other sites in your job hunt? Let us know in the comments which ones you’ve had success with and which need termination.

This originally appeared here.

Smart tech, big data top priorities at Intel Labs

Intel CTO offers glimpse at what the chipmaker is working on to improve people’s lives, rather than just making things faster or more efficient.


Intel CTO Justin RattnerIntel CTO Justin Rattner at the chipmaker’s annual research summit.

(Credit: Intel)

SAN FRANCISCO — It’s what inside that counts, posited Intel Chief Technology Officer Justin Rattner.

Now, for a microprocessor giant, this tagline should be interpreted in multiple ways.

The obvious reading being that, because it’s coming from Intel, the company is touting its own hardware bits.

But being that this is the theme of this year’s Research@Intel summit on Tuesday, the line is also meant to promote what Intel Labs has been cooking up to improve people’s lives and communities rather than to just play a numbers game of making devices more faster or efficient.

This year, the processor giant’s research showcase has been organized into the following four categories: enriching lives, intelligent “everything,” the data society, and tech essentials.

More specifically, some of the projects run the gamut from personalized shopping to connected vehicle safety to discovering relationships among data communities.

For example, Rattner showed a demo of “smart headlights” technology integrated on a vehicle driving through snow, which is being pitched to top-tier automakers right now. Citing the 2010 National Highway Traffic Safety Report, Rattner posited that smart headlights could prevent up to 800,000 crashes, 200,000 injuries, and even 3,000 fatalities.

Intel futurist and chief evangelist Steve Brown argued that “if we can do anything with technology,” then the task is figuring out the best way to spend resources rather than just throwing them at anything and everything.

Brown noted that Intel conducts approximately 250,000 interviews worldwide annually, asking people both what they need and what they want from life.

Those responses have been compiled and analyzed, boiling down to these six categories: learning, entertainment, creativity, wellness, productivity, and feeling connected.

Rattner said these categories represent the kind of research going on at both Intel Labs and around the world right now.

While providing an overview of Intel’s international research facilities, Rattner highlighted the sixth and newest center in China.

Rattner said that “given the massive size of its communications infrastructure,” China was deemed the “perfect place to do this research.”

Thus, promoting Intel’s ongoing evolving mobility strategy, the ICRI for Mobile Networking and Computing specializes in development for telecommunications infrastructure, systems, and services.

Naturally, figuring out what to do about big data is also on the docket at Intel Labs around the world.

One such area is centered on graph analytics technologies, which is enabling analytics based upon sparse data.

“This work is intended to make graph analytics technology ubiquitous and available to the industry at large,” explained Rattner.

The two principle tools are Intel’s Graph Builder and the Graph Lab developed at the ISTC-Cloud Computing center.

Pointing out that both of these products are open-source, Rattner continued that that these should be “rapidly embraced” by the technology community.

Current users include Google, Facebook, Twitter, Netflix and Pandora, among others.

But many of these technologies sprouting up and fueled by big data have also given way to media buzz topics such as “the rise of the sharing economy” and “collaborative consumption.”

While sometimes it seems like news feeds are so saturated with these topics that they lose value, that doesn’t eliminate the opportunities that exist here.

At Intel, research scientists said it is referred to as “the data society.”

“More than ever it’s become not just acceptable but desirable to do things with people we don’t know at all,” remarked Intel Labs director Genevieve Bell, arguing that people are sleeping in the homes of people they don’t know, borrowing the cars of strangers, and even video-streaming romantic dates to online viewers for feedback.

“That seems useful,” Bell said.

This originally appeared here.

TECH NOW: Top 10 mobile speakers to rock your world

Listening to music on a mobile device can be an easy way to jam while you’re on the move. But if the speakers on your smartphone, tablet or mp3 player don’t rock your world, there’s no reason to sing the blues. These little speakers now come in every shape, size and price range — and some are even solar powered and waterproof.

Here are the best portable Bluetooth speakers that I’ve put through the pitch-perfect paces of my busy household. From living room dance-offs to backyard birthday bash DJ duties — these 10 mobile boom boxes are fine-tuning the sound of mobile music.

OVER $100

Best for singing in the rain (or surviving a dip in the pool): Braven BRV-1, $179

This chunky, rugged, palm-sized speaker blasts great-sounding music for up to 12 hours. It’s also tough enough to get dropped, spilled on and tripped over. If that were all it did, it would still be one of my favorites for audio quality alone. But it’s also the source of the coolest gadget-related, awe-inspiring party trick I know. You dunk it in water (fish tanks are fun), watch it burble to the beat, then take it out and watch it spit water out in sync with the music — that it is still playing. It’s like having your own mini Las Vegas Dancing Fountain show. The company also shows video of it getting run over by a Hummer and says it can survive a shotgun blast. I haven’t tested the gun thing myself, but this is one sensational little speaker.

Best for those who think music is the best medicine: Beats Pill, $199

Here’s a pill that can play your pop music all night (and day) long. The Beats Pill weighs about a pound and fits in your hand like a can of Red Bull. It changes tracks easily and picks up a Bluetooth-enabled device from 30 feet away. It’s both portable and pairable with ultra-convenient one-tap NFC technology. The Beats Pill also comes in the largest variety of colors, from classic red, pink, black and gray, to a neon rainbow of colors that include green, orange and eye-popping blue. With this Bluetooth speaker, you will always be one that thinks out of the box.

Best when you need a Nerf Football stand-in: JBL Charge, $149

If a can of beer is more to your taste, here’s the perfect little “can” to toss back … and forth. Really, it looks a lot like what would happen if a Nerf football and green beer can got married and had a music prodigy for a child. Looks aside, the JBL Charge can stream stereo music from any Bluetooth-enabled device. Don’t go driving down the street thinking you’re going to blow the doors off the other low-riders though, sound gets a little distorted if you crank it up to high volume. But for the easy to moderate levels its produces a nice, smooth tone. Little rubber feet along its base keep it stationary when you set it down, so it wobbles, but doesn’t fall down. LED lights let you know just how much juice you’ve got before you let the music dies — it gets 12 hours on a full charge. Speaking of which, just like its name denotes, you can also use it to charge up other power-thirsty gadgets with a USB plug-in.

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Best for those who wish they were James Bond: Bose SoundLink II, $299

With the Bose name alone, you know a few things right up front; the audio is going to rock and you’re going to get what you pay for. The SoundLink II is arguably the best-sounding of all of the Bluetooth speakers in this column. This upgraded model leads the pack with new “neodymium transducers” and a newer digital signal-processing algorithm. What do all those big words mean? The sound is clear and crisp, with little distortion, no matter how high you crank it up. It also looks as rich as it sounds. A heavier portable at 3 pounds, its sleek black lines and thin frame give it the look and feel of the well-heeled. It also has a memory capacity of six Bluetooth devices. Like the JBL Charge, it also doesn’t double as a speakerphone. But really, who cares? If you can afford this model, you likely already have a pretty fancy speakerphone too.

Best for the little bit retro and little bit rock ‘n’ roll: Geneva Sound Model XS, $199

The Geneva Sound System Model XS is one of the best sounding and looking portable models on the market. The design was inspired by the classic travel alarm clock, so it’s small, sleek and swanky-looking and weighs about the same as a 20-ounce bottle of soda (or pop to you…). The actual speaker is mounted within a small leather case that could pass as a James Bond toiletry kit. Open it up, and the magic happens: The corrugated black (or red or white) old-school-looking FM clock radio appears — telescoping antennae and all. What’s not old school is the sound. Geneva SX delivers true hi-fi sound at every range. The digital amplifier and stereo speakers play mid and high frequencies better than most others, and the woofer is capable of producing robust bass response below 80Hz.

Best for those who think it’s hip to be square: Jambox, $129

Three years ago, this palm-sized red (or black or gray) rubber-ish brick was the absolute bomb. It was one of the first of its kind to gain ground in the Bluetooth wireless speaker market — and early on, the one to beat. Unfortunately, a lot of competitors are crushing the Jambox, but I still give it props for being among the first. I have one that I’ve had since they first debuted. It’s a bit dented; the wire grating easily tears away from the rubber siding when you drop it. But the sound still pours out of the compact device. Jambox also released a King Kong version of this same speaker that actually rates better overall — the Jawbone Big Jambox, $189 — delivers better, has good battery life, and plays loudly without distortion. It also has a built-in rechargeable battery, an auxiliary input, a rugged design, and business-grade speakerphone capabilities.

UNDER $100

Best for taking the beat off-road: Eton Rugged Rukus, $99

This wedge-shaped, futuristic looking little ghetto blaster is perfect for anything outdoors — especially where there’s sun. A solar charging panel tops an impressive list of tech specs on this truly rugged rocker, which can soak up the sun, keep music pumping for eight hours and charge up your smart phone. With twin 2.5-inch stereo speakers and a “bass boost” function that belts out great mid-range thump, it’s hard to believe the Rukus weighs just a little more than a pound. It’s so durable and lightweight that it could actually double as a funky digital doorstop. But why leave it at home, when it’s so great on the go, even sporting a loop that attaches to a backpack or belt.

Best for desktop DJs and daisy chains: HMDX JAM Plus Bluetooth, $59

We can’t use the word “jam” and not mention the HMDX Jam Plus. This speaker is just 3 inches tall, and comes in a rainbow of bright colors, each creatively packaged in what looks like a hard-plastic jam jar. It picks up your mobile device from as far as 30 feet away, but it does not double as a speaker phone like a lot of the others on this list. What’s cool about the new “Plus” model is that you can buy a second one and daisy chain the two together wirelessly, to create true stereo sound via the flip of a switch. While an affordable way to jam on the go, don’t buy this is if you want to rock the house down because at loud volumes (higher than I ever really listen to music) it gets tinny and hollow-sounding.

Best for those with One Love: House of Marley Chant, $59

Grab the tie-die, fire up some incense and get ready to sway to the small, yet mighty, House of Marley Chant. The actual metal speaker is cylindrical, just over 3 inches across and 4 inches tall. It comes in a custom canvas case with a carabineer loop and storage pocket. You have to unzip the “lid” to really let the sound out, so it’s not as convenient as some of the others on this list. I’ve also noticed that it actually sounds better when you tip it on its side than when it’s standing up. While it seriously cranks up the volume, the audio quality leaves a lot on the table at anything but the four- to six- range listening level (on a scale of one being really quiet and 10 shaking the rafters). The overall sound skews tinny and distorts when you blast it. But, if you like your music at moderate levels, another plus for the Chant is that it’s made from recycled plastic, and Earth-friendly metal plating and fabric washes.

Best for those who want the most for their money: Logitech UE Mobile Boombox, $99

Oh, I just love saving one of the best for last. For less than a hundred bucks, this is a whole lot of hum (in a good way) for the money. This Ultimate Ears version is a metal speaker packed in a rubber case; square, with rounded edges — kind of like some people we know. It’s small, lightweight and easy to pack in a purse or backpack, can double as a speakerphone, belts out the tunes for 10 hours of battery life and delivers impressive sound quality (two 1-inch full-range drivers). While it won’t blow away a discerning audiophile, most of us mere musically savvy mortals will love to play … and listen … and totally get our groove on.

Seriously, we know we left a lot of Bluetooth players out, but as I mentioned up top, these are some of the best I’ve actually tried out myself. What are you listening to these days, and where are you taking your tunes? Be sure to let us know.

Jennifer Jolly is an Emmy award-winning consumer tech contributor and host of USA TODAY’s digital video show TECH NOW. E-mail her Follow her on Twitter: @JenniferJolly.

This originally appeared here.

The Best Ultrabook Systems Under $800


By Staff Writer, IDG Creative Lab
If you’ve been eyeballing an Ultrabook™ but think your budget won’t accommodate one, fear not: There are plenty of ultra-thin, ultra-light, ultra-speedy systems that won’t break the bank. In fact, for $800 or less, you can replace your aging, under-powered laptop with one of these state-of-the-art machines. Why opt for an Ultrabook? They’re ideal for business travelers, offering not only slim, lightweight designs, but also lightning-fast boot speeds and enough battery life to survive a coast-to-coast flight. Here’s a look at four of the best models you can get for under $800.

Lenovo ThinkPad Twist S230u

A dual-personality Ultrabook: half laptop, half tablet

Lenovo ThinkPad Twist

Can’t decide between a laptop and a tablet? Who says you have to? True to its name, the business-friendly ThinkPad Twist can alternate between the two: The screen pivots and folds down atop the keyboard when you’re ready to stop typing and start tapping. In meeting parlance, that means you can sit at a conference table or stand on the factory floor and still have easy access to your documents. Plus, you get 500GB of storage along with extra gigabytes of solid-state space to improve performance. If there’s a downside here, it’s that the 12.5-inch touchscreen is a little smaller than ideal laptop size, while the entire system feels a little heavy when used as a tablet.

ASUS VivoBook S400CA-DH51T

A midsize Ultrabook with a downsize price tag

Asus Vivobook

Want to use Windows 8 the way Microsoft intended? Choose an Ultrabook that has a touchscreen so you can tap, pinch, and swipe your way through apps and operations. The Asus VivoBook features a 14-inch multi-touch display and a 500GB hybrid drive: ample storage for your stuff, plus a 24GB solid-state drive to help Windows boot faster. However, if you use a lot of peripherals, you may be disappointed to learn that only one of the system’s three USB ports supports USB 3.0.

Acer Aspire S5-391-6419

Style, speed, and portability in one streamlined package

Acer Aspire S5

Acer’s dazzling matte-black Aspire S5 is without a doubt one of the most travel-friendly Ultrabook systems in the group, weighing just 2.6 pounds and measuring a scant 0.6 inches thick. What’s more, it comes with a 128GB solid-state drive, meaning Windows 8 boots, runs, and shuts down even faster than laptops with hybrid drives. The 13.3-inch screen lacks touch capabilities, though, so you’ll have to rely on the roomy touchpad if you want gesture-powered interaction with Windows 8.


Big screen, fast storage, small price

Vizio CT15-A4

Ultrabook systems are designed for easy portability, but some users need a bigger workspace than the typical 13- or 14-inch screen affords. The Vizio CT15-A4 raises the bar to 15.6 inches, at the same time bumping screen resolution to 1,920 x 1,080—same as you’d get from a big desktop monitor. Translation: more words, windows, and spreadsheet cells on the screen at a time, and sharper-looking movies. The system also packs a 128GB SSD for blazing performance. Just keep in mind that at around five pounds, this outweighs some smaller systems. It might make your carry-on a little harder to carry on.

This originally appeared here.

Relytec All In One Keylogger Protects Children and Monitors Employee Activities

Are you a parent that wants to make sure your children aren’t exposed to inappropriate content online, or an employer that wants to better monitor how your employees are spending their time Online and on your company’s computers?  Now there’s a better way.  Relytec‘s all-in-one Keylogger captures keystrokes, records IM, monitors application usage, desktop activity, captures screenshots, and much more.  It also generates and sends reports via FTP, HTML and email so you can keep watch 24/7.

What’s your piece of mind and empolyee productivity worth?  Download a free trial today at and find out.