Mirna Mirna

Financial services might have been slower than other industries in adopting disruptive digital methods and techniques, given how paranoid customers are about their security when it comes to banking and finance. However, in recent years, Fintech has seen a rise both within traditional banking ecosystems, as well as disruptive Fintech startups. 2019 will see this digital trend grow, and below are five major ways your financial services are changing and adapting to the times.

1- Artificial Intelligence

It’s almost impossible these days to not hear or read the words “artificial intelligence” across the board. From our smartphones, to our cars and even our home appliances. The financial sector is no different, with initial resistance to AI quickly dissipating as the technology evolved to meet the strict standards and regulations of financial sectors.
AI’s role in finance will be to automate a lot of the repetitive tasks currently being done by humans. Tasks such as data entry make up a significant portion of the work that keeps financial professionals busy, and AI can now do it much faster and with zero human error. Perhaps the best part of this AI integration, is that the software uses the exact same interface humans use, such as Excel, meaning human modification is still easy and human intervention when needed will not be a problem.
Some predictions expect that three quarters of tasks like data entry will be delegated to AI by the end of 2019, signaling a major disruption in what working in finance will mean.

2- Blockchain Technology

Blockchain is often considered exclusively for cryptocurrencies such as Bitcoin and Ethereum, however the benefits of blockchain technology have proven quite successful within traditional financial service infrastructures.
Perhaps the most obvious benefit of incorporating blockchain is the transparency it adds to Fintech services, making the once opaque transactions deals a lot easier to trust, given multiple stakeholders have access to the same ledger, insuring money laundering and other shady business is nearly impossible and granting Fintech the one thing it still lacks in the eyes of governments and central banks: regulation.
In 2019, the adoption of blockchain by banks and governments will help increase the trust in Fintech solutions by demonstrating that they can be trusted and cannot be abused by criminal organizations to launder or hide money. After all, it’ll be extremely hard to practice fraud if countless ledgers exist and keep a log of every transaction, instead of just one centralized financial entity.

3- Mobile Payments

Mobile payments are growing every day, with estimates of about a billion USD a day being completed via smartphones worldwide. This is especially important in developing countries, where traditional banking infrastructure cannot sustain growth and provide financial services to rural communities.
The fact areas like sub-Saharan Africa and Latin America lack the financial services infrastructure in place elsewhere in the world, hasn’t stopped these markets making huge strides in smartphone penetration. This has provided a route for financial service providers to expand in these once-inaccessible markets. That, combined with the saturation in developed markets, promises huge benefits for rural communities as well as massive potential for growth for traditional banks investing in Fintech.

4- Regulation Technology

The largest hurdle for Fintech is regulation. Blockchain might be the solution in many cases, but in other situations, regulating the industry poses a major challenge.
This has made investing in regulatory mechanisms almost impossible for startups, with established banks being the only ones able to hire compliance teams that ensure all transactions are compliant with local and international regulations.
That’s where “regtech” can offer opportunities to minimize the investment of funds and time in ensuring financial service providers stay compliant. Software that automates menial tasks and draws upon large data sets to help compliance teams do their work more efficiently, quicker and with less errors. The development of regtech will open the door to new contenders in the financial services industry, allowing them to invest their funds in growing their customer base instead of sinking a huge part of it to make sure their practices are compliant.

5- Financial Inclusion

Most of the digital trends disrupting the financial sector in recent years has focused on one massive market: the unbanked. This means people without a bank account, access to credit, loans and other financial services.
According to Learning Hub, In South Asia, up to 71% of rural residents don’t have a bank account, and in Africa and the Middle East it’s more than 60% with Southeast Asia and China close behind. This provides a massive untapped market, facilitated by Fintech solutions such as blockchain technology.
In other words, even if cryptocurrencies don’t make much headway because of their volatility, the underlying technology works and is already being implemented. That, coupled with an increase in mobile banking, means that 2019 will be the year Fintech startups and traditional banks try to include more and more people, especially poor and rural communities, into the financial services industry.

شكل مؤتمرCES-2019 تظاهرة تقنية فريدة جمعت كبرى الشركات العالمية المصنعة، لعرض منتجاتها الالكترونية الجديدة والمبتكرة. هذا المعرض الذي يعقد كل عام في لاس فيغاس، حفل في نسخته للعام الحالي 2019، بالكثير من المفاجآت التكنولوجية التي شكلت صدمة للمشاركين والزوار بسبب روعتها والتقنيات الجديدة المستخدمة.

غوغل، نفيديا، لينوفو، انتل، باناسونيك، هوواي، سامسونغ، سوني، وإل جي، مرسيدس، بي أم، هيونداي الكورية.. وغيرها الكثير من الشركات كانت حاضرة بابتكاراتها.

وإذا كانت التوقعات نجحت فيما يتعلق بقطاع الهواتف والأجهزة الذكية، حيث قدمت شركة LG تلفاز بشاشة بحجم 65 بوصة تعمل بتقنية HDR OLED ولها قناة خاصة بها من Dolby Atmos بقياس 5.2 مثبتة في خزانة ويتم لفها فيها عند عدم استعمالها. إلا أن الأكثر إبهاراً كان في مجال صناعة السيارات الذاتية القيادة، إذ قدّمت شركة هيونداي الكورية سيارة بأربع أرجل متحركة يمكنها أن ترفع الجزء الرئيسي من السيارة على ارتفاعٍ عالٍ من الأرض، وأطلقت عليها اسم Elevate . صممت هذه السيارة التي تعمل بالطاقة الكهربائية لاستخدامها في عمليات البحث والانقاذ خلال حالات الطوارىء والكوارث الطبيعية، حيث يمكنها أن تسير بقوة على الطرق الوعرة مع تأمين درجات عالية من الأمان لركابها.

من جهتها، قدمت شركة مرسيدس الألمانية نموذجاً رائعاً هو سيارة Vision Urbanetic ذاتية القيادة، واعتبرت الشركة أنها ستحدث ثورة في وسائل النقل للأشخاص والبضائع على السواء، ويمكن لهذه السيارة أن تستوعب 12 شخصاً كما يمكنها حمل العديد من الحاويات بالنسبة للبضائع. أما شركة “بي أم” فقد عرضت دراجة ذاتية القيادة.

ولم تغب هارلي دايفيدسون الأميركية عن الحدث فعرضت أول دراجة نارية كهربائية بالكامل تسمى LiveWire التي يمكن أن تصل سرعتها إلى 96 كلم في الساعة في أقل من 3,5 ثواني، وبخلاف الدراجات التقليدية ذات المحركات الضخمة فإن هذه الدراجة هادئة، وستباع بنحو 30 ألف دولار وسيتم طرحها في الأسواق في أغسطس 2019.

روبوت خبّاز وآخر للمرح

في معرض CES- 2019، دخلت إلى ساحة العرض روبوتات جديدة لم تكن موجودة سابقاً. واحد من هذه الروبوتات تيمي، وهو في الحقيقة مجرد قرص كومبيوتر على عجلات، لكنه صمم ليكون مساعداً شخصياً إلكترونياً. إذ يمكن لهذا الروبوت أن يتحرك في جميع أنحاء المنزل ويقوم بتنفيذ الأوامر عند التحدث إليه. أما LOVOT المصنّع في اليابان فقد جاء صغيراً بعينين كبيرتين، وعلى الرغم من أنه يحمل سلاحين يدور حولهما إلا أنه صمم للتفاعل مع البشر ليجعلهم سعداء من خلال زيادة مستويات الراحة ومشاعر الحب لديهم. والأظرف كان الروبوت المرح الذي أظهر قدرة لافتة للانتباه في رسم الصور على الحائط وهذه الآلة Scribit هي عبارة عن طابعة صغيرة يمكنها إعادة إنتاج الصور التي اختارها المستخدمون. ويقول المصممون إن الروبوت يمكنه أيضاً إزالة الصور بسرعة أو إعادة إنتاجها في أي وقت.
وقد حصل روبوت آخر على اهتمام كبير في المعرض، وهو الروبوت الذي يقوم بصناعة الأطعمة الأميركية والخبز. وهذا الروبوت الخبّاز بحسب مصمميه يمكنه أن ينتج 10 أرغفة من الخبز كل ساعة.

شاحن عالمي للكومبيوتر المحمول

قدمت شركة StartSquare الفرنسية ما وصفته بأنه شاحن لاسلكي عالمي لأجهزة الكمبيوتر المحمولة. وهو يعمل عن طريق إرفاق قطعة صغيرة بأسفل الكمبيوتر المحمول الذي يتصل أيضاً بمنفذ الشحن الخاص بالكمبيوتر، وبالتالي يمكن شحن الكومبيوتر المحمول بسهولة ويسر.

آلة رياضية لتوليد الطاقة

من المعروضات المتميزة أيضاً كان جهاز التمارين الرياضية الذي قدمته شركة SportsArt الأميركية، وهو يتميز بالإضافة إلى مساعدة المستهلكين بالحفاظ على لياقتهم بأنه يمكنه توليد الكهرباء، إذ أن Verde G690 يمكنه استغلال الطاقة البشرية لتوليد نحو 200 واط من الطاقة في الساعة.

Most brands feel that their presence online is something they need to do but not necessarily want to. This often leaves customers disappointed if not disenfranchised by an inadequate digital identity for the brand that caters to customers’ e-commerce or research needs.

Doing digital right is a holistic approach that includes online, mobile and digital aspects of a company merging seamlessly to be readily available at any touch point a potential or existing customer might want to get in touch or informed. It’s often boosted by creating a community of users that help push the brand higher, by resorting less to the more traditional ad campaigns and cost-per-click methods.

Of course, doing digital and online right isn’t just about marketing, but also providing better services for your customers by utilizing new technologies and cutting-edge, tested methods. At its core, the digital and online strategy of a brand needs to make transactions easier, and maybe even enjoyable for customers. It’s also a field where a brand might do a great job gaining an edge over the competition, with services or features that help it stand out and build brand loyalty.

There are many examples of success stories, and even more of unfortunate failures. Today, we’ll be taking a few familiar giants and discuss how they’ve succeeded in their respective industries with their online strategy.

1. Amazon’s “Users Also Bought” Recommendations

Amazon might have been a trailblazer when it added customer reviews to each product you can order from their website, but they didn’t stop there. If you shop online on Amazon, you probably noticed a carousel of small photos of products that will probably be complementary to the item you are thinking of, under the details of the product you are browsing. It could be something like a laptop case that fits the model you were about to order, or other accessories like adapters and cables.
This is ingenious both to drive more sales from their customers, but also are a time-saver for users who don’t mind spending a little extra to have a combination that might make more sense to them and what they need them for, based on previous purchasing behavior of Amazon’s massive data.

2. Apple

It’s like almost every week, a new Android phone’s billboards are covering the streets on your commute home and pop up in your feeds as sponsored and boosted posts. However, you’ve probably never seen a simple campaign for Apple’s flagship: the iPhone. That’s because Apple’s approach to marketing disposes with the traditional splurging on traditional advertising, and instead uses carefully executed product placements to generate hype around a new product.

Apart from that, Apple relies on the mostly generous reviews of their products. Over the years, the company has succeeded in creating a significant emotional connection between its customers and the products they create. This means that the secrecy before every release, the grandiose and exclusive presentations at their California HQ and the lines in front of retailers help build the excitement online. It also drives much more favorable reviews than your average smartphone, with critics being able to put aside deal-breakers with other manufacturers, for carrying an Apple product that will always keep a user happy and satisfied, with a reliably simple interface and great build quality.

3. Starbucks

In 2016, almost 25% of all Starbucks transactions were done over their mobile app. Letting users pay for their coffee with an app made doing business with Starbucks easier for a considerable portion of their customers who prefer to pay via the app instead of card or cash.

Digital strategies need to make attracting new customers, and keeping old ones happy, easier. The Starbucks app is a good example of that, where users could not only make a transaction easier and more convenient, but also stay up to date with offers and even a store locator if a customer feels like a frappucino venti but isn’t sure where the closest Starbucks is.

4. Careem

In the age of Uber, Careem has been able to compete in the region by using the “local solutions to local problems” ethos. Today, Careem has over 1 million captains (drivers), in more than 120 cities in 15 countries.

Just like Souq.com, Careem faced several challenges the region posed for an app-based ride-sharing app. Careem’s focus on research and development helped them innovate features and services that Uber has copied over the years. Scheduling rides ahead of time, updating your location and destination as well as the option of cash payment helped make Careem the powerhouse it is today in the region.

Careem’s approach to digital and mobile was different, understanding that a faceless app interface wasn’t what many potential customers were comfortable with in the region. Instead, Careem sought offline ways to entice customers onto their streamlined, user-friendly app and ensured that their drivers are well taken care of and thus provided a better, safer experience for riders in countries like Saudi Arabia and Egypt.

Lessons one can learn from Careem is the local approach to local problems. No matter how big an offshore company is, the solutions it has might not always work in a specific part of the world. Careem has understood that perfectly and has been able to tailor-make online services that helped make ride-sharing commutes a vital part of many Arab cities in a relatively short amount of time.

5. Souq.com

Souq.com, especially after its historic acquisition by Amazon, is a textbook example of a company in the MENA region not only doing digital and online right, but actually helped create the region’s e-commerce ecosystem and its accompanying infrastructure. So much so, that Amazon paid a record-breaking 580 million dollars in 2017 to acquire Souq.com, instead of attempt to compete with it in the region.

A huge part of Souq.com’s success was understanding the different markets in the region, and innovating solutions to problems they were facing. Problems such as a lack of trust in credit cards and the logistical problems in countries with an underdeveloped transport system. Souq.com ended up spawning two companies, PayFort payment service and Q Express courrier service. Both of these separate entities capitalized on technology to solve problems that many other e-commerce experts felt would be impossible in the region. Today, Souq.com and the companies that it started have not just been successful, but have basically created the e-commerce ecosystem in the region.

The breakdown

With the rise of Financial Technology (known as FinTech globally), Facebook’s attempt to try and explore the financial services business is very understandable and expected. Facebook is edging its way to partner with some of the largest banks, to work together, and potentially offer multiple options that would facilitate various sorts of customer transactions.
On one hand, the prospect of making all types of financial services more easily accessible to everyone is really welcomed, but on the other hand, data privacy would be considered the largest threat for Facebook to make that happen, especially after its recent Cambridge Analytica scandal during 2018.

Facebook taps into customer service

Following the recent global surge in ‘customer chats,’ which can be found on many different types of websites, whether for business related cross-border payments, or personal online applications such as e-visas, Facebook now wants to offer its own services, especially since Messenger now counts around 1.3 billion monthly active users.

Facebook already offers such services on Messenger with the likes of American Express, MasterCard, MoneyGram, and PayPal, but is now willing to partner with more traditional banks such as JPMorgan Chase, Citigroup, and Wells Fargo to name a few. The goal is of course to facilitate and make financial services very user-friendly to the general public.

This is very much in line with the global shifting from ‘retail’ to ‘online,’ since the recent trends of customer behavior suggest that it is more likely that the average customer would pick online services over retail, and therefore choose to opt out of having to physically go to the bank in this case to make any kind of transaction.

Payments in Messenger are already in the works

As of now, Facebook Messenger allows you to make peer-to-peer payments by sending and receiving payments. Users can add their credit or debit card info on Messenger and begin transactions right away. This is extremely helpful as money is transferred right away as soon as you click send, as most banks need 2-5 working days to initiate and send your requests.

This is only the beginning as Facebook now attempts to reach the wider world of banks and retail, mirroring other tech giants like Amazon and Google. At the end of the day, Facebook connects the whole world together, so attempting to connect banks with consumers could lead it to its road in FinTech.

It all comes down to data and privacy

On the flipside, data privacy will prove to be Facebook’s toughest challenge. This is because all banks permanently try their best to protect customer data and retain them.

In addition, the fact that Facebook encountered serious issues in user privacy and data security during 2018, could lead some banks and credit unions to consider large tech companies a threat to their companies and services.

In spite of all that, Facebook still has a lot of room and potential to cooperate with traditional banks and help them regain a competitive advantage in the process. Simultaneously, this will set to boost Messenger quite significantly as it will be the fundamental layer to enhance and improve a seamless banking and digital financing customer experience. Much like any business moving into FinTech, Facebook will attempt to follow those footsteps too.

هل شعرت يوماً أن حياتك مهددة بالخطر نظراً لاضطرارك إلى شحن هاتفك المتنقل كل ليلة بسبب ضعف البطارية أو نفاذها بسرعة؟ هل شعرت بالضيق كلّما نفذت بطارية هاتفك تحديداً في الأماكن التي لا يوجد فيها مصدر للطاقة أو التيار الكهربائي؟
يعاني الكثير من مستخدمي الهواتف المتنقلة، من مشكلات تتعلق ببطاريات هواتفهم والتي تؤدي بهم في بعض الأحيان إلى السخط، والرغبة المتزايدة لإستبدال هواتفهم بأخرى، ظناً منهم أنها قد تكون أفضل لناحية طول مدة الخدمة. لكن يوجد العديد من الطرق والوسائل البسيطة التي من شأنها أن تطيل عمر البطارية، وفي الوقت نفسه الوقاية من مخاطر تلف أو إنفجار البطارية بسبب الشحن المتكرر.

إليك بعض النصائح للحفاظ عل طاقة بطارية هاتفك:

إيقاف بعض البرامج غير المستخدمة على هاتفك المتنقل

أحدثت تقنية البلوتوث ثورة في استخدام الهواتف في السنوات الماضية، لكنها لم تعد ذات أهمية كبيرة مع ظهور تطبيقات جديدة مميزة يمكنها نقل الملفات بسهولة وسرعة فائقة كـ WhatsApp و Line وغيرها من برامج الدردشة التي يمكن عبرها إرسال واستقبال مختلف الملفات من دون عناء، وبالتالي فإنه لا ضرورة من إبقاء البلوتوث مفتوحاً لأنه يستهلك طاقة أنت في الغنى عن هدرها. وكذلك الأمر بالنسبة إلى قائمة برامج أخرى مثل وضع الطيران، إذ يمكن الاستغناء عنها لعدم وجود الحاجة إلى استخدامها.

الحد من إنارة شاشة هاتفك

إن شاشة الهاتف المنارة تستهلك مقداراً كبيراً من طاقة البطارية، ولمّا كان بالإمكان التخفيف من الإنارة دون التأثير على استخدام هاتفك المتنقل، فإنه من المفيد التخفيف من إنارة الشاشة ليس لتوفير الطاقة وحسب، وإنما للحفاظ على صحة العيون في الوقت نفسه.

وقف الاتصال بالانترنت

يستخدم الكثيرون تقنية الاتصال بالانترنت من خلال الواي فاي أو 3G و 4G، لذلك عليك أن تكون ذكياً كلما أردت استخدام هاتفك، فالمعروف أن هذه العملية تستنزف طاقة البطارية لذلك لا حاجة لك لإبقاء الاتصال بالانترنت من خلال 3G أو 4G إذا كنت متصلاً بالواي فاي.

التقليل من اعتماد تطبيقات تحديد المواقع

تُعد تطبيقات تحديد المواقع من البرامج الأكثر إستنزافاً لطاقة البطارية، لذلك يمكنك إلغاء هذه الخاصية من خلال وقف وصول التطبيقات إلى خدمات الموقع أو تعيين المستويات (في Android) لتحديد مقدار الطاقة التي يستخدمونها.

عدم ترك التطبيقات قيد التشغيل

تعمل معظم التطبيقات إذا ما تُركت في وضعية التشغيل، لذلك لا بد من إيقافها فور الانتهاء من إستخدامها. إذ تتيح معظم الهواتف الذكية حالياً إمكانية الولوج إلى أكثر من تطبيق في الوقت نفسه، لذا يجب التنبه إلى إغلاق كافة التطبيقات للحفاظ على عمر بطارية الهاتف.

الحد من تنزيل بعض التطبيقات ذات الإشعارات المتكررة

يعمد الكثير من مستخدمي الهواتف المتنقلة إلى تنزيل برامج وتطبيقات تقوم بإرسال الإشعارات المتكررة، لكن ما لا يعلمه هؤلاء هو أن هذه البرامج تؤدي إلى إستهلاك قدر كبير من طاقة البطارية، أما إذا كان لا غنى عن هذه التطبيقات فيمكنك على الأقل وقف الإشعارات غير الضرورية.

لا تلجأ إلى اعتماد وضعية اهتزاز الهاتف

بعض مستخدمي الهاتف المتنقل يحبّذون اعتماد وضعية الاهتزاز لدى استقبالهم للمكالمات الواردة والإشعارات المختلفة، لكن هذه الطريقة تؤدي إلى استهلاك طاقة البطارية لذلك لا تعتمد عليها إذا ما كنت تملك خيار استخدام النغمات الخاصة بهاتفك.

دفعت المخاوف الكثيرة، سواء المتعلقة بنفاذ البطارية أو احتمال إنفجارها، المختصين إلى إحداث ثورة في عالم بطاريات الهواتف. إذ تمكن علماء صينيون في السنوات الأخيرة من ابتكار بطارية ألمنيوم أيون خارقة يمكن إعادة شحنها بثانية فقط، وذلك باستخدام رقائق الكربون التي تبقى محافظة على 91 في المئة من قدرتها حتى إذا ما تعرضت للشحن لنحو 250 ألف مرة. كما تمكن العلماء من ابتكار بطاريات من مواد مختلفة كالماء والصوديوم الموجود في ملح الطعام، فيما لجأ آخرون إلى ابتداع طرق لشحن الهواتف من الطاقة الشمسية أو اعتماد البطاريات النووية التي تدوم لأعوام قليلة. لكن كل هذه الإنجازات والإبتكارات لم تجد طريقها إلى التنفيذ ولم يتم اعتمادها بشكل رسمي من قبل الشركات المصنّعة للهواتف المتنقلة على اختلافها.

The modern world we live in is now connected more than ever before. In the age of technology, people are almost constantly online and rely on devices they use every day to communicate, manage, and handle their daily tasks.

What is an Ethical Internet?

In its simplest terms, ethical internet is described as moral principles online – in this case, both the positive and negative impact the internet plays in your everyday life. With the internet evolving and changing every day, tech companies and internet users need moral principles that govern their safety, privacy, and lives online. In other words, much like the world thrives and lives on certain moral principles, the challenge now is to develop necessary and fundamental ethical regulations of the internet.

Internet users make use of the internet in a variety of ways, from social media to shopping online, settling cash transactions, searching the web through search engines, downloading music, gaining knowledge, playing games, and much more. With ethical internet, tech companies try to understand what internet users want from the internet and how it ultimately benefits them in return for the information they provide it.

With the internet being a major part of everyone’s lives, most are well aware of the risks associated with it. As a result, there’s been a spotlight cast on Silicon Valley tech companies that call on them to implement ethics and set in stone deep security measures in protecting user information. Privacy, big data, and internet access are some parts of the equation that make up this big umbrella that surrounds every part of our lives.

Privacy

Privacy is one of the most fundamental concerns that surround the ethics of the internet and the users that encompass it. The ethics of internet privacy is difficult to comprehend especially when users find themselves signing into a website and agreeing to its privacy settings to then having the website change those very same settings. Tech companies should address these concerns and work on protecting all their users’ information from all threats and security breaches.

Seeing that the world has evolved into a hyper-connected world and the Internet of Things, invasion of internet privacy should be strictly avoided. In this case, the question that comes to mind is how does one determine what is legal, illegal, and most especially ethical? Whilst it’s legal for advertisers to inspect our online habits for the intention of becoming targeted consumers, the ethics claims how far is too far when it comes down to our activities being monitored?

Big Data

Apple CEO, Tim Cook, raised his concerns on empowering users and their data, explaining that users should always be in the ‘know’ on how, why, and where their data is being used at all times. He argued that data belongs to users and that they should have “the right to have personal data minimized, the right to knowledge, the right to access, and the right to security.” Cook went on to state that privacy is a human right for all and advocated that all tech leaders join the bandwagon.

With tech giants like Facebook coming under fire for data privacy crisis – facing numerous data breaches and lawsuits for sharing data with unauthorized apps – goes to show how far and wide big data is. With increased surveillance, companies need to ensure their sophistication in handling and dealing with massive information, management, and data.

Internet Access

Ethical internet goes further to tackle the issue where individuals and citizens don’t have access to the internet or even a broadband connection. Much like education, the UN has acknowledged that internet access is a basic human right. The fact that millions around the world don’t have the access to go online and search the web is an ethical matter that governments and corporations should tackle for their citizens, youth, and last but not least educational institutions. It is really ethically imperative that all people have equal access to the internet no matter their background.

What makes ethical internet so important?

Many internet users feel a cloud of mistrust surrounding their lives online and so what societies at large need now is a set implementation of ethics for the vast body of technology they use. Without ethical internet, tech companies will sooner or later subject themselves to failure as trust is an integral part of the equation to keeping those same internet users by guaranteeing and eliminating surveillance.

With the world increasingly gaining traction in the digital world, internet users need governments, companies, and consumers that are well aware and forcefully push for a more dynamic and harmonious ethical internet. It is a priority that should drive conversations in order to protect them all not only in the digital space but follow through to their lives as well.