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New AI Features for Chrome

New AI Features for Chrome 1792 1024 Steve Palmer

In the ever-evolving world of technology, Google is once again at the forefront, introducing a trio of experimental AI features to Chrome. These innovations range from the highly practical to the whimsically intriguing, all while painting a picture of an AI-integrated future.

Tab Organiser

First up, we have the Tab Organiser. Imagine a world where your browser tabs are automatically sorted into neat groups, aiding in organisation and multitasking. This dream is about to become a reality with Chrome’s new feature. By simply right-clicking a tab, the Tab Organizer springs into action, suggesting and creating tab groups based on your open tabs. For those of us already using extensions like Skeema for this purpose, the integration of this feature directly into Chrome promises a more seamless experience. While Skeema offers a broader range of functions, the built-in simplicity of Chrome’s Tab Organiser is set to be a game-changer.

AI Gen Themes

Next on the list is AI-Generated Themes. This feature allows users to create custom Chrome themes using advanced text-to-image diffusion models. The best part? You don’t need to be an AI prompt whiz to use it. Just head over to “Customise Chrome,” and in a few clicks, you can give your browser a personalised makeover. It’s a novel and fun feature, though the novelty might wear off after the initial excitement.

Writing Assistance

Lastly, there’s the Writing Assistance tool. This feature is designed to help users express themselves more effectively in public forums and online spaces. By right-clicking a text box and selecting “Help me write,” users can leverage AI to articulate their thoughts with greater clarity and confidence. This tool epitomises the trend of integrating AI into virtually every aspect of our digital lives, enhancing even the most mundane tasks.

Google plans to roll out these features gradually over the next few days, with the writing assistant slated for release in a few months. Users in the U.S. on Windows and Mac platforms will be the first to experience these updates, although they won’t be available for enterprise or education accounts initially.

In Summary

Google’s latest AI features for Chrome are more than just updates; they are a glimpse into a future where artificial intelligence makes our digital experiences more organised, personalised, and expressive. It’s a future where AI isn’t just a tool but a partner in crafting a better, more efficient online life. Or is it?

E-Commerce Development Trends

E-Commerce Development Trends 1792 1024 Steve Palmer

As we orbit the sun of technological advancement, the e-commerce galaxy is expanding at warp speed. 2024 ushers in a constellation of trends where voice search becomes our new navigator, guiding us through the cosmos of online shopping.

Social media, now a vibrant marketplace, blossoms into social commerce, transforming how we discover and purchase products.

The green movement, once a distant star, is now at the forefront, with sustainability becoming a universal currency.

The skies are abuzz with drone deliveries, rewriting the logistics map, while mobile commerce continues its meteoric rise, becoming the primary spacecraft for consumer journeys.

Personalisation, the North Star of e-commerce, offers a bespoke universe tailored to each individual, enhancing customer loyalty.

Artificial Intelligence, our autopilot, is revolutionising marketing automation and customer experience, navigating through the vast data nebula with ease.

Live shopping, akin to a comet, streaks across the retail sky, offering real-time, interactive consumer experiences.

Lastly, the expansion of cross-border e-commerce mirrors the uncharted exploration of new markets, promising a future where boundaries blur and opportunities are boundless. In this ever-evolving cosmos, adaptation is not just vital; it’s the rocket fuel for success.

OpenAI Investigated for GDPR Violations

OpenAI Investigated for GDPR Violations 2793 1024 Steve Palmer

The Italian Data Protection Authority (DPA) has raised concerns about OpenAI’s ChatGPT, suspecting violations of European Union privacy laws. The ongoing investigation, which has spanned several months, has led to preliminary conclusions indicating ChatGPT’s potential breach of EU regulations. This article delves into the key issues raised by the Italian DPA and explores the broader implications for AI regulation within the European Union.

Privacy Concerns

The primary concerns expressed by the Italian DPA revolve around the mass collection of data used to train AI models like ChatGPT. The DPA questions the legal basis for collecting and processing personal data on such a large scale. Under the General Data Protection Regulation (GDPR), organizations found guilty of breaching data protection rules can be fined up to 4% of their global revenue. OpenAI has been granted a 30-day window to respond to these charges, potentially facing substantial fines if the violations are confirmed.

Inaccurate Information and Child Safety

Another area of concern raised by the DPA is ChatGPT’s potential to produce inaccurate information about individuals, referred to as “hallucinations.” Additionally, the absence of an age verification mechanism has raised concerns about child safety in the use of the AI tool.

European Coordination

The Italian DPA’s actions are part of a broader effort coordinated by the European Data Protection Board (EDPB) to oversee ChatGPT. While the EDPB plays a coordinating role, individual authorities like the Italian DPA maintain their independence in decision-making. This collaborative approach aims to ensure consistent and effective regulation of AI technologies across the EU.

History of Concerns

The investigation by the Italian DPA follows a temporary ban on ChatGPT in Italy in March 2023 due to privacy concerns. OpenAI addressed the issues raised, leading to the ban being lifted approximately four weeks later.

OpenAI’s Response

OpenAI has defended its practices, stating that they believe their procedures align with GDPR and other privacy laws. The company emphasizes its commitment to protecting individuals’ data and privacy, actively working to reduce personal data used in training AI systems like ChatGPT. OpenAI also highlights that the AI tool rejects requests for private or sensitive information about people. The company expresses its willingness to cooperate with the Italian DPA (Garante) constructively.

EU’s Tech Strategy

Some observers view the EU’s actions as part of a broader tech strategy involving litigation and subsequent settlements with big tech companies. However, critics argue that GDPR might not be the most suitable regulatory tool for AI and that the EU relies on big AI technologies more than the other way around.


The Italian Data Protection Authority’s investigation into OpenAI’s ChatGPT highlights the growing scrutiny of AI technologies under the GDPR within the European Union. While the EU seeks to regulate AI to protect privacy and data rights, questions remain about the effectiveness and appropriateness of using GDPR for AI regulation. The outcome of this investigation will likely set an important precedent for AI regulation in the EU and may influence how big tech companies operate within the region.


Assemble the AI Team – the power of creative collaboration

Assemble the AI Team – the power of creative collaboration 1024 1024 Steve Palmer

As the host of AI platforms continue to grow with more powerful results, creatives are becoming increasingly reliant on these technologies to stay competitive. However, AI is not a one-size-fits-all solution, and it requires a multidisciplinary team to develop and implement great results. In this post we look at the power of creative collaboration when assembling your AI platform team.

The AI team doesn’t necessarily have to comprise of individuals with backgrounds in data science, software engineering, machine learning, designers, and domain experts. However, one of the hottest jobs that has been born from the past few years of AI development is a Prompt Engineer, and it is this person we would recommend partnering with if you are serious about investing in this for your venture. Prompt engineers are experts who write prose — rather than code — and they would have spent the past few years developing the best language to produce great results from the platforms.

Whereas last year we saw individuals using specific platforms to generate fabulously attention grabbing visuals, we are now seeing a collaboration which can lead to innovative solutions, efficient processes, and a truly competitive edge.

The initial creative process of developing a film, animation or even a simple moving storyboard, has become even more exciting with the AI tools we all have at our keyboards. Using an A.I. program is not “plagiarism” in the traditional sense, although there are many Academics who have raised concerns over the use of platforms like ChatGPT. “There is no such thing as a new idea. It is impossible. We simply take a lot of old ideas and put them into a sort of mental kaleidoscope.” said Mark Twain. Which is why we consider the AI platforms as tools to explore a range of ideas, that we may not have discovered without them.

It is not the answer that enlightens but the question. Ask ChatGPT an compelling question and it will more than likely respond with an even more interesting answer.

With good questions, ChatGPT is able to deliver direction for a beginning, a plot or an enticing logline for your next project. MidJourney is so much more than a generative art supercluster. With V4, multi prompts and image blends, users are developing a range of cohesive treatments for their video projects with outstanding results. Combine this with your camera, lights, green screen and with platforms like Stable Diffusion and Runway, you have the potential to create fully animated and rendered sequences, which would have been only possible by the tier one movie makers a few years ago.

The most exciting thing about this technology is that it is Open Source, so anyone can dive in and allow their imagination to /run.  What is stopping you?

Who is ChatGPT?

ChatGPT is ramping up…

ChatGPT is ramping up… 1024 1024 Steve Palmer

“Creative endeavors will never be replaced by computers. Art is an expression of human creativity, imagination, and improvisation – something that computers will never have.” (said someone a few years ago)

The game has officially changed. Developers can now integrate ChatGPT and Whisper models into their apps and products directly through OpenAI’s API.

OpenAI says, “ChatGPT and Whisper models are now available on our API, giving developers access to cutting-edge language (not just chat!) and speech-to-text capabilities. Through a series of system-wide optimizations, we’ve achieved 90% cost reduction for ChatGPT since December; we’re now passing through those savings to API users. Developers can now use our open-source Whisper large-v2 model in the API with much faster and cost-effective results. ChatGPT API users can expect continuous model improvements and the option to choose dedicated capacity for deeper control over the models. We’ve also listened closely to feedback from our developers and refined our API terms of service to better meet their needs.”

Get ready for an explosion of generative AI-enabled apps, products, and services. These APIs can empower applications to generate or edit text and images, or to enhance search or classifications. You could build code completion apps or use the APIs to train a model for your specific use case. Basically, you can take any feature of ChatGPT or Whisper and incorporate it into your own software. In case you were wondering, this is where the fun begins!

Niche Insurance Products for a Post-COVID World

Niche Insurance Products for a Post-COVID World 2560 1447 Steve Palmer

Cumulative funding in insurtech startups has skyrocketed ~200% in the last year. Here are the opportunities in niche products for a post-COVID world.

The pandemic turned the insurance industry on its head, forcing incumbents to rethink their offerings and providing opportunities for startups to fill the void, such as:

Gig Workers and P2P Models: After remaining stable at ~27% for the last 5 years, the proportion of the American freelance workforce that reports freelancing full-time grew to 36% in 2020.

Source: Freelance Forward 2020 (Upwork report)

The shift has led to the emergence of new companies, models, and products, including:

  • Collective Benefits: Gives gig workers access to a full range of protections and benefits, and has raised ~$13m since February 2020
  • Duuo: A Canadian on-demand digital insurance brand that recently launched a new gig liability product based on a per-day rate
  • Dinghy: Provides pay-as-you-go business coverage for freelancers
  • Snack: Offers microinsurance policies for Grab drivers (a ride-hailing service in Asia)


Last year we wrote about Bread Funds, a pioneering model of self-organizing, P2P insurance in the Netherlands, which emerged as early as 2006 and provides income protection to the self-employed.

There’s an opportunity to explore a platform play.

VouchForMe in the UK provides an online platform that enables freelancers and entrepreneurs to form and manage their own P2P income protection insurance groups. The company charges users a one-time activation fee of €100 (~$117) and a monthly platform fee of €5 (~$6).

You could do the same, but without limiting your offering to freelancer insurance. Allow groups to self-organize across a number of niche products, including motor, extreme sports, and even bicycle insurance.

Laka, a London-based brand organized as a collective (rather than a for-profit company), focuses on providing niche products specifically for cyclists. They have raised ~$9.4m since launching in 2017.

Pandemic-Proofing and Usage-Based Insurance: COVID-19 forced the industry to innovate for a new world in which deadly global virus outbreaks are possible (probable? Please, God, no).

Airlines, for example, now offer COVID-19 insurance, with some even covering medical expenses and quarantine costs.

Companies like SpottedRisk and Elite Risk have started offering insurance products for more niche markets, like the indie film industry — protecting production companies against cast members falling sick with COVID during filming.
Machine Cover, which uses various nontraditional metrics to address risk, are also innovating in this space. For example, they use traffic data around businesses like beauty salons and restaurants to determine if/when a policy should automatically pay out.

Examples of parametrics used by Machine Cover (Source: Machine Cover website)

Demand for more flexible solutions and usage-based insurance (UBI) options like these is soaring.

A 2020 report by Capgemini found that consumer demand for UBI increased from 35% in 2019 to 51% in 2020. The size of the UBI market is expected to balloon 525% from $24B in 2019 to $126B by 2027.

Source: Insurance Business Magazine

There’s an opportunity to provide niche UBI products like pay-as-you-drive motor insurance for WFH employees, or for specific events that are canceled on account of a positive COVID-19 test.

You could build an insurance marketplace, similar to Lloyd’s (which has its eyes set on becoming the world’s most advanced digital insurance marketplace), but with a focus on niche UBI products.

Blockchain and DeFi: Automatic, self-executing insurance policies like the ones offered by Machine Cover are often enabled by blockchain technology and smart contracts.

Decentralized insurance applications like Etherisc, Guardtime, and Lemonade will become more commonplace as adoption of blockchain technology continues.

There’s also an opportunity to provide insurance products to blockchain companies and users. Nexus Mutual, for example, provides cover against bugs in smart contract code, as well as crypto wallet cover.

There will be opportunities for niche products as the DeFi industry continues to expand.

Original article by Julia Janks at Trends.

Everything you should know about Apple’s WWDC21

Everything you should know about Apple’s WWDC21 1280 720 Steve Palmer

Apple’s Worldwide Developer Conference (WWDC) kicked off on Monday with a keynote showing off new operating systems for all of its hardware. Here’s everything you need to know.

iOS 15

Apple officially unveiled iOS 15, which was built around four pillars: staying connected, finding focus, using intelligence, and exploring the world. Here’s what you need to know about the next big iPhone update:

  • FaceTime: Apple’s seriously stepping up its video chat game. Grid View and Portrait Mode are coming, as is support for Spatial Audio. You can also send links or share your entire display with “SharePlay,” which allows for third-party app integration via API. Apple said they’re working with Disney, HBO, TikTok, Twitch, and more. Another nice new feature: you can join FaceTime calls from the web on Android or Windows.
  • Health: A new metric, “Walking Steadiness,” warns you that you might fall… before you fall. Apple will also present trends for your health data with more trackable metrics than what’s available on your Apple Watch. With telehealth seeing a big boost due to the pandemic, being able to share Health data with your doctor is a great new feature (and you can now share between families, too).
  • Maps: More detail in cities, especially around buildings and commercial districts. Commuters’ lives will be easier, too, as new transit features will let you know when to hop off a train or bus.
  • Messages: “Shared Stacks” helps keep you organized by combining content from your Messages, News, and Photos apps.
  • Notifications: You can now choose when your iPhone delivers a notification summary. Toggling Do Not Disturb mode on your phone lets your contacts know you have it enabled, which is cool (and a bit creepy).
  • Photos: Apple is using AI to detect text in images automatically with a new OCR feature. Photos will now appear in Spotlight search, too.
  • Siri: Siri is now available offline, which means the experience should be faster and more responsive.
  • Wallet: You can now store keys for your home and office in your Wallet, as well as hotel keys (which Hyatt will roll out later this year).
  • Weather: New look, same great taste. (Also: lots of new data.)

iPadOS 15

Here are the biggest new features on display in iPadOS 15.

  • App Creation: For the first time ever, you can create iPad and iPhone apps on an iPad with Swift Playgrounds (and launch/release directly to the App Store). 9to5Mac notes that “it is probably notable that Apple chose not to rebrand this as ‘Xcode’, signifying that you aren’t going to be able to do everything you can do with Xcode on the Mac.”
  • App Library: Now available on iPad after launching on iOS 14 last year.
  • Home Screen: You can view your home screen from within apps by sliding these apps out of the way.
  • Multitasking and Split View: You can now drag and drop apps to enter Split View.
  • Quick Note: Quickly create a note from within any app. (These notes can also be created on macOS. The notes are viewable, but not creatable, on iOS.)
  • Translate: A new “Auto Translate” feature automatically translates spoken conversations. Very helpful.
  • Widgets: Now available on the home screen.

macOS Monterey

Here are the key takeaways from Apple’s newest laptop/desktop OS:

  • AirPlay to Mac: You can now AirPlay content from your iPhone on your Mac’s display. Nice.
  • Safari: Visual redesign, and now with an integrated tab bar.
  • Shortcuts App: Create automations, build shortcuts, access existing shortcuts, and more. Integrates with Spotlight, appears in Finder.
  • Universal Control: More easily integrate your iPad with your Mac, using a keyboard and mouse on either device. You can drag-and-drop between devices, too.

watchOS 8

Not to be left out in the cold, watchOS is getting an upgrade, too.

  • Mindfulness: Out goes the Breathe app and in comes Mindfulness.
  • Photos: New interface, which now includes highlights and memories.
  • Respiratory Rate: Now measured during sleep tracking.
  • Timers: Now… multiple timers!
  • Weather: Your Apple Watch will now tell you if it will rain in the next hour.

tvOS 15

Here are the shiny new features coming to tvOS:

  • “Hey Siri”: You can now use this command to play content on your TV.
  • Lossless Audio: Coming later this year. (More info below.)
  • “Shared with You”: A hub in the TV app that lists content that has been — you guessed it — shared with you in the past.
  • Spatial Audio: Powered by AirPods Pro and AirPods Max. (More info below.)


Apple announced iCloud+, which has three new features (but the same price point). The big feature is “Private Relay,” which encrypts everything leaving your device, sending it through two relays. (Apple says no one, not even them, can view or access this data.) “Hide My Email” uses technology similar to what Apple previously rolled out with “Sign in with Apple” to create randomized and unique emails that forward mail to your main account. iCloud+ also removed the five camera per account cap on HomeKit Secure Video cameras.

Siri… Everywhere

For the first time, Siri is available on third-party devices. Apple did not give details of further examples, but if you’ve wanted to build your Smart Home around Apple’s ecosystem, this is a big step toward that reality. (This may be the keynote’s biggest announcement.)


Siri already could announce incoming phone calls and messages, but Siri can now read notifications to you, too, via your AirPods. In a noisy area? Your AirPods can now boost phone call audio. Integration with “Find My…” was improved, too, making it easier to find misplaced AirPods. AirPods are also getting Spatial Audio capabilities. Speaking of…

Spatial Audio, Lossless Audio

Fresh off a recent announcement of lossless audio, Apple doubled down with its audio enhancements by launching Spatial Audio support with Dolby Atmos. If you have AirPods, AirPods Pro, AirPods Max, or Beats headphones with an H1 or W1 chip, you’ll be able to take advantage of Spatial Audio. Apple said all 75 million tracks on Apple Music will be available, lossless, by the end of the year. (20 million songs are lossless compatible starting today.)

Some quick storage math: 10GB will get you…

  • 3,000 songs in HQ AAC
  • 1,000 songs lossless
  • 200 songs hi-res lossless

Some quick streaming math: a 3-minute song will require…

  • 1.5MB of data with “high efficiency” enabled
  • 6MB of data at 256 kbps (HQ)
  • 36MB of data at lossless (24-bit/48 kHz)
  • 145MB of data at hi-res lossless (24-bit/192 kHz)

By Shelly Palmer

iOS 14.5 is everything Facebook feared

iOS 14.5 is everything Facebook feared 1280 720 Steve Palmer

Facebook was quite vocal about its opposition to Apple’s ATT (AppTracking Technology). The social media giant feared that its implementation in iOS 14.5 and iPadOS 14.5 would significantly damage its Facebook Audience Network business.

They were right. Very, very right.

Early data from Flurry (a Verizon-owned analytics company) shows that 94 percent of U.S. iOS 14.5 users opt out of ad-tracking. It’s a bit lower (85 percent) globally. These numbers will trend downward as more people update their devices, but they are unlikely to get anywhere near the 50 percent zone that analysts were throwing around before the update went live.

ATT is not an attack on Facebook. It is a new privacy protocol that applies to every app in the Apple App Store, no matter the developer.

How will this play out? There are some workarounds to ATT for small businesses and advertisers who have come to rely on tools that allow them to track users around the web. But for Apple’s big tech competitors (the ones they just skewered), this is going to start a 1st-party data war. The bigger the company, the more likely they will be to redouble their efforts to keep you on their respective platforms. All other conditions are secondary.

Get ready for super-sticky services and conveniences designed to literally glue you to specific platforms. After all, if they can’t track you when you leave, they’re left with no choice but to do whatever it takes to hold you (and your data) hostage.

By Shelly Palmer

Say hello to Dall-e

Say hello to Dall-e 624 630 Steve Palmer

“Creative endeavors will never be replaced by computers. Art is an expression of human creativity, imagination, and improvisation – something that computers will never have.” (said someone 5yrs ago)

Last year we said hello to GPT-3 and AI not only replied, it started a conversation, in real time.

This month we say hello to Dall-e, who generates images from text descriptions, using a dataset of text–image pairs. Its early stages, but go check it out for yourself.

How do you see this helping ideation/prototyping?
No more searching for images on Getty/Shutter?
What are the possibilities and advantages to creatives?

However, these are just replacing tasks that already exist.  The really exciting question is, how will this technology help us do new things we have never done before?

Digital Transformation Is Seriously Misnamed

Digital Transformation Is Seriously Misnamed 1280 720 Steve Palmer

Our main business is helping business, regardless of size, with their “digital transformation” journeys. This is an super way to spend your day. We get to work with super-smart people who are being forced to adapt their organisations to the accelerating pace of exponential change. The process is generally known as “digital transformation.” But that is a misnomer. There’s no such thing as analog transformation, or quantum transformation. By definition, all current technological transformations are digital. It is also important to point out that technology is ephemeral – the only successful path to digital transformation is through sociological transformation – so we need a new name!

The Process Is the Product

Back in film school (NYU TSOA ’79), the legendary Haig Manoogian mentored the likes of Martin Scorsese, Chris Columbus, and Marty Brest, to name a few. Haig taught that “the process is the product.” To him, the best directors were benevolent dictators with a clear vision for the desired outcome and, most importantly, the leadership skills to create a process and an environment where everyone working on the project, from the production assistants to the actor playing the leading role, was incentivised to deliver that outcome.

To do this, Haig loved to put his students into impossible sociological situations with classmates as he forced them to create short films in three-day sprints. He’d pair them with a fellow student who was to be their camera operator (even though that person was known to be terrible at it). Students would be assigned to work with another student whose role was to produce their film. By the second semester, it was clear that Haig looked at their filmmaking talent as table stakes for being in his class – he was teaching them to figure out the sociology (and the psychology) of their peers, co-workers, and subordinates and create a process that was so positive, the product created from it would be a reflection of it.

Culture vs. Technology

The enduring battle between the “middle management mafia” and technology is not new. Sabotage (the ‎etymology of which will surprise you; it’s not the story you know) probably predates the Gilded Age. But this ancient sentiment echoes in the halls of modern corporate life. People fear what they don’t understand. And what they fear, they seek to destroy. This is a broad generalisation, and you may not personally feel that it reflects your attitude, but almost any group, cluster, or cohort of humans you take a minute to study will, as a group, behave this way.

So, the first step to digital transformation (for which we really need a new name) is to share a clear vision and goal. “We’re going to make it faster for people to get across the river.” Then, and only then, should you begin the decision-making process to determine whether you will build a bridge, a tunnel, a tram, a people mover, a ferry fleet, a barge fleet, a transporter from Star Trek, or something else. The technology that enables the “how” is evolving exponentially fast, and the pace of that evolution is accelerating, which makes starting with technology (the “how”) a very bad idea. While the “why” may change (a competitor could disrupt your plans with a better idea that is executed in advance of yours), it is always the “why” or simply the goal that drives the cultural evolution that enables what we are calling digital transformation.

This unfortunate reality is exacerbated by an observation made by Upton Sinclair: “It is difficult to get a man to understand something, when his salary depends upon his not understanding it.” Which is a long way of saying that digital transformation has nothing to do with digital and is only superficially related to transformation. It is about creating a corporate culture where people are incentivised to deliver a shared vision. If that vision happens to require some new technology, so be it. But digital transformation starts and ends in the hearts and minds of the workforce. “Technology” is just another word for “tool.”

By Shelly Palmer

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