Mirna Mirna

وتساهم خدمة “محفظتي” في تعزيز قدرة البنوك على منح الائتمان لشرائح واسعة من ذوي الدخل المحدود وأصحاب المشاريع الاقتصادية الصغيرة، وبما يسهم بالتالي بتعزيز القطاع الاستثماري وخلق فرص عمل جديدة. كما ستوفّر هذه الخدمة لهذه الشرائح بيانات مالية وكشوفات حسابية توضح الوضع المالي للفرد ودخله الشهري الأمر الذي من شأنه أن يساعد البنوك في التثبت من قدرة الأفراد على السداد، وبالتالي يتيح للمؤسسات المصرفية تقديم خدمتي الاقراض والاقتراض مما ينعكس على الاستثمارات وتحريك عجلة الاقتصاد.

شهد التحول من الدفع الورقي الى الدفع الإلكتروني تطوراً كبيراً، وبات لزاماً على الدول والحكومات والأفراد لا سيما في عالمنا العربي، مواكبة هذه التطورات المتسارعة، فحسب الدراسات والأرقام  فإن 90 بالمئة من مستعملي الهاتف النقّال سيتحولون إلى  الدفع والشراء عبر هواتفهم المحمولة بحلول عام 2020.

Well, yes. But TV altogether will not disappear.

As of now, we are experiencing a monumental shift where the mobile and online viewing ecosystem is sensationally disrupting the TV ecosystem.

Long gone are the days where family members would sit altogether eagerly waiting for their favorite TV show to begin. We will cherish these moments, but times are changing rapidly and with that companies are playing catch up with the world’s diversity of generations, trying to keep their audiences interested, invested, and engaged on their channels.

Consequently, TVs are now fragmented with the rise of the internet, and traditional linear channels and cable TV are not considered as dynamic or as a standard favorite to their viewers.

In fact, people are leaning towards their convenient pocket-sized devices and mobile phones to catch up on the latest and live entertainment. Unlike your traditional living room TV, you can watch your favorite shows whenever you want wherever you want.

Consumers want diversity and access to distinguished content

Today’s technologies provide a sense of freedom we have never witnessed before. Evolving from cable to VCR to DVD, and streaming, media companies are investing in OTT (over-the-top) content services, where media is delivered to audiences and viewers over the internet. Netflix is the most popular form of OTT, with Amazon, YouTube, and Google to follow.

Mobile OTT content is expanding and video consumption on mobiles is in high demand locally in Jordan and on a global scale. There is an incessant desire for content at anytime and anywhere, and with that, OTT subscriptions are customizable and easily accessible to steer mobile viewers to specific targeted content, allowing you to be in full control of your own viewership.

Brands want to refine and engage with viewers

In this age of interconnectivity and unrivaled growth of technology, traditional media companies are scrubbing down all they can do to keep their viewers vested on their content.

Umniah, Jordan’s mobile telecommunication operator, along with OSN, are paving the way for the future of broadcasting through OSN’s very own WAVO, a mobile TV streaming app granting Umniah subscribers flexible mobile plans to gain full access to various bundles of their choosing – WAVO Entertainment bundle, WAVO movies bundle, or WAVO Sports bundle. Umniah’s Jordanian customers can now enjoy OSN anywhere without committing to an annual contract- it is like your very own live TV on the go.

Umniah has further taken this pioneering approach towards the sport ecosystem. Streaming sports and services are absolutely central to consumers around the world. As a result, Umniah now provides its consumers with a monthly streaming service and subscription platform through beIN Connect.

While some sports fans might still seek out traditional TV for their viewing purposes, this type of premium content shows no signs of slowing down. With sports, this is the beginning of an OTT revolution. More significantly, this type of premium content provides viewers with a sense of freedom and a cost effective option.

In other words, live sports attract large audience from various demographics. Umniah and beIN consumers can now pick and choose the live sports they’d like to watch from anywhere with this convenient SVOD (subscription video-on-demand).

From this perspective, these companies are adjusting and transforming their business model and pushing boundaries to provide their viewers and consumers with content rich media subscriptions. This subscription-based OTT service will surely grow globally as media companies move from traditional to accessible and unlimited content.

Mobile streaming will continue to evolve

It is quite clear from here on out that OTT is in fact the wave of future. OTT and mobile streaming will continue to evolve in becoming more interactive, engaging, and involuntary to the viewer’s will. In challenging their traditional linear TV and striving to keep up in this competitive environment, much of the TV industry has expanded into OTT and is delivering a wide array of their programs and shows online.

The world now is consuming mobile video creation on a large scale than ever before. The television industry is just one part of the equation as advertisers, retail brands, and numerous industry experts are finding ways to push through innovative creations and user experiences to keep their consumers attentive and engrossed on their products.

This really is only the beginning phase of mobile video disruption. The world will contribute to this massive shift in the OTT ecosystem as it grows to an ever larger supreme, building a personal connection to their viewers with a richer media interface.

Imagine living in an all-seeing world where insentient objects are empowered with one of the most crucial living senses: sight. The concept began with Internet of Things (IoT) which are sets of capabilities that are enabled when physical objects are connected to the internet via sensors. To make this concept clearer and more relatable and example would be a health patch that monitors the body’s temperature, pressure, heart rate… and shares this information with doctors. Similarly, the Internet of Eyes (IoEyes) is a network of cameras or any visual abilities that are connected to the internet via sensors with a purpose of collecting and interchanging visual data. This technological advancement has a huge exceptional impact on all business sectors as well as humanity.

Retail and supply chain

IoT will be part of all the processes of supply chain from assembling the raw materials together to distributing the products to wholesalers and retailers. Bots and drones are examples of Internet of Eyes. To further clarify, Ali Baba’s warehouse in China now uses 60 robots. When someone places an order via Ali Baba, a robot locates the product and picks it up. The robots have visual senses that allow them to know where each product is located, where and how to get it. It collects data along the way. These technologies automate industries like the retail and supply chain as it increases productivity and diminishes error or inefficiencies made by humans.

Information has become a powerful tool to all companies. The ability to properly employ and manipulate the information at hand determines the success of your business. Our digital world is swarming with volatile information of different formats, types and sources. These voluminous sets of data might overwhelm a corporation causing it to lose control over situations faced as well as poor decision making. This dilemma is known as information overload. A sufficient example would be a corporation trying to measure the customer’s feedback on social media but not knowing where to look or how to use the huge amount of data. That being said, businesses take certain measures to prevent information overload. Both information and digital literacy are key in eliminating unnecessary information.

Information Literacy

Regardless of the massive amounts of data a business has, if it does not match up to certain qualities it is useless.  Information Literacy highlights critical thinking as well as ensuring message quality. In other words, information literacy ensures data integrity. When employees are information literate they can critically evaluate and extract valid and consistent needed data from appropriate reliable sources. This narrows down the information at hand directing the company’s focus on what is necessary and needed in achieving its set objectives and goals.  That being said, businesses must make “quality over quantity” a top priority to drive out information overload.

Digital Literacy

Digital literacy lies in the core of preventing information overload. Digital Literate employees are aware of the several digital tools present to cultivate, evaluate, integrate, and analyze the sets of information at hand. Digital literacy is a development process containing 3 levels: Digital Competence, Digital Usage, and Digital Transformation.

Digital Competence is necessary as it acquires the individual with the necessary critical, analytical and visual recognition skills. In addition to that, it initiates and develops the evaluative approach granting each individual the ability to recognize valuable needed sets of information. These skills are vital when faced with huge sets of data as it eliminates the ones that cause confusion.

By definition, digital usage is the application of digital literacy to a specific situation. It is defined as the “Community of practice” where all skills and approaches acquired are applied to the specified tasks or problems at hand. That being said, companies will have a tighter grip on the situations faced hence improving the decision-making process and attaining the goals efficiently and effectively.

The last level is the Digital Transformation and it occurs when the digital usages leave room for innovation and creativity. This level is not considered necessary to complete digital literacy however it is crucial as it allows an individual to manipulate the information at hand creating significant changes or shifts in their professional domain.

إنّ ما يميز هذا الاختراع الذي ابتكرته الشركة، هو أنه يقوم بحساب أثر تراكم الغبار على الألواح الشمسية الكهروضوئية الذي يؤدي في معظم البلدان الصحراوية إلى رفع الطاقة الموّلدة إلى نسب قد تصل إلى 40{f9e613f517110994348d69a5797a353d87ee03cef25d7bb6efd85f4964c1c644}، مما يعني أن هذا الابتكار سيؤثر إيجاباً على عوائد الإستثمارات المتوقعة من مشاريع الطاقة الشمسية، إضافة إلى التأثير الإيجابي على كل من البيئة والإقتصاد على حد سواء كون الألواح الشمسية النظيفة تولد طاقة كهربائية أكثر وهنا تظهر الجدوى الإقتصادية للمسثتمرين وأصحاب مصانع الطاقة الشمسية.

The various technological advancements have reshaped and transformed today’s world. Artificial intelligence (AI) has single-handedly automated our lives by facilitating and carrying out both basic and complex tasks for us. Briefly, artificial intelligence supplies machines with the ability to learn, reason and generalize, all of which are intelligent humanistic characters.  That being said, AI personal assistants are gradually becoming the new trend. From scheduling to shopping to health monitoring, these personal assistants are infiltrating each and every aspect of our lives. On the rise, these personal assistants have become available wherever we go as they are present in all smartphones, automobiles, smart watches and Bluetooth speakers.

Voice-driven Assistants

Siri, Alexa Google Assistant, and Cortana are all voice-powered personal assistants that provide a two-way dialogue with their users. They include several features including calling or messaging a friend, reminders, smart home-control such as turning off the lights and many more. These voice-activated assistants are worldwide used by businesses, students and parents.

Health Coaching

Health, wellness and fitness are longed by many individuals. What if all 3 were combined and monitored in one application? Presenting Lark Chat, an artificial intelligent application with healthcare and fitness expertise. It provides knowledge, feedback and motivation to individuals seeking a fit and nutritious diet. That being said, it is well-known that healthy lifestyles call for constant monitoring of the meals eaten as well as fitness knowledge. Instead of manually searching for and inputting these meals, Lark Chat facilitates a person’s life by noting down what he/she ate for them. Not only that, but you can communicate with health experts by asking any questions or tips that are diet or even disease related. Moreover, this smart application tracks down your sleeping habits as well as your daily exercises.

Shopping Assistants

Powered by Artificial intelligence, Operator is a personal-shopping assistant that allows an individual to find specific items or furniture as well as personalizing recommendations. For instance, which carpet goes with your couch, or the best utensils for your kitchen. Operator offers different product categories allowing users to freely browse through them. Any questions or tips in mind can be answered through chatbots that connect users to experts in the respective field.

Travel Assistants

Mezi is full-time travel concierge application powered by artificial intelligence and human agents. Consumers who are too busy to make any sort of travel arrangements can do so by simply sending a text to this application. After typing and sending the request, Mezi searches for these key words using Natural Processing Language (NPL) and books or cancels the flight. In addition to that, this artificial intelligent application learns the different booking patterns as well as preferences and consequently offers personalized recommendations such as Hotel location.

Activities Itinerary

Amman:

If your first day is in Amman, you can choose to visit some of its ancient ruins while you explore the city. Located on a hill in the center of downtown Amman, Citadel, also known as the Temple of Hercules, is the oldest inhabited site providing a picture perfect panoramic view of the city.

Just downhill from the Citadel is the Roman Amphitheater, Amman’s most famous landmark dating back to the Roman period, as obvious as its name. Enough to seat 6,000 people and a regular sporting event in the summer, you can pretty much envision how people in the past would gather to watch the social events here.

Next, you can catch a 10-minute drive and visit King Abdullah Mosque, also known as the blue-domed mosque, and the only mosque in the country accepting visits from non-Muslims. It is worth a visit as the mosque can also be pin pointed miles away within the entire city. At the door, women will be provided with gowns to cover themselves, while men are recommended to wear long pants.

Petra:

Known as Jordan’s ancient city and three hours away from Amman by car, it is highly recommended that you take a move on and arrive as soon as you possibly can to this magnificent historical archaeological site. Have a walk around, immerse yourself in Petra’s world wonder, and take it all in. It is all truly a sight you will never forget. If you are feeling frisky, you might as well sit on top and enjoy a camel walk to experience the rest of the treasury.

Wadi Musa:

Depending on how much you want to spend, you can choose to sleep here for the night before your next and upcoming excursion. Wadi Musa is in fact the surrounding region of Petra. Many travelers flock to visit Moses’ Spring, supposedly where Moses slammed a rock into brownish water, making it drinkable. Truly a historical wonder.

Wadi Rum:

A one-and-a-half-hour drive away from Wadi Musa, it is extremely recommended that travelers stay here for at least one or two days. Think star gazing at night and camping with the Bedouins by the fire; it is truly one magical experience. Wake up early the next morning by sunrise and hike the red sand dune desert. It is a truly authentic and remarkable experience.

Dead Sea:

Once back in Amman, take a 40-minute ride to make sure you spend your last day basking yourself with the wonders of the Dead Sea. Lather yourself with the enriching and beautifying mud and then dip into the saline water for some miraculous floating action.

Aqaba:

If you feel like heading further and you have more money to spend, you can drive an extra hour to Aqaba, Jordan’s charming port city, located right at the Red Sea. Enclosed with beautiful palm trees, you can loosen and unwind right at this relaxing crystal blue watered sea.