By 2020, artificial intelligence (AI) capabilities on smartphones will offer a more intelligent digital persona on the device. Machine learning, biometrics and user behavior will improve the ease of use, self-service and frictionless authentications.
Spreadsheets have been around for as long as people have needed to keep records and make calculations. In ancient times, wax tablets were used to keep records. When the computer came along, Visicalc and Lotus 1-2-3 were the ‘killer applications’ that spurred sales of Personal Computers and took the idea of computers from the realm of geeks and academics