Industrious Issue 7 Industrious Banking Transformation 2019

Home , Chief content officer, Cries from the Heart, Disjointed, Mats Persson

↓ Digital payments drive → industrious issue 7 industrious banking transformation 2019

Justine Jablonska SeniorVice Juan Zufiria, President,

Sebastian Huynh Sales Enablement Sharon T. Driscoll, Global Technology Services, IBM Chief Content Officer George Hammer, MarketingCMO Industry &VP Michael Todd Cohen Guest editor: Design lead: Editorial lead: Editor-in-chief: Publishers:

Quick takes The cost of water Cyber securityintheage of OT Disrupting humantrafficking Influencer: AlecRoss Cerealto Siro AIsnacks Influencer: Rob High Groupama’s IoT insurance Stockholm traffic congestion Big Thinker: AsmaShabab Influencer: Auto in2030 industry When neurodiversity works Supply chainsfor globalhealth Influencer: Chieko Asakawa Swedish drone potatoes Wimbledon’s content chief Swiss bank digitaltransformation From theeditors

Contents

John Kultgen, Ryan Sedmak,

Sheila Cannon,Khaly Ketoure Claudia Masseo, ArziRachman, Catalina Bradatan, Bogdan Niculi Benjamin T. Stanley Kapil Sarin, Karam SinghSethi, Pam Cobb, Dayna Sargen, Marshall Wright Matt A.V. Chaban,CynthiaCunniff, Kelsey O’Neill AnnRementilla, Mary Content team: Social media: Guest contributors: Design: Digital: Samsung’s Suk-Jea Hahn

@IBMIndustries explores thestories that bring community. Industrious magazine [email protected] and technological innovation to apply humandetermination make adifference intheglobal resource. They are called to us treat curiosityasarenewable In anage of exponential tech, we this credo to life. Send usanarticle,ideaortip: believe theindustrious among ibm.com/blogs/industries Follow IBMIndustries: For moreindustrystories: Want to write for Industrious? Want towriteforIndustrious? Industrious, Issue 7

pg.110 pg.104 pg.98 pg.90 pg.86 pg.82 pg.76 pg.68 pg.58 pg.52 pg.46 pg.40 pg.34 pg.28 pg.26 pg.18 pg.12 pg.04 pg.03 © Copyright IBMCorporation 2019. IBM, the IBM logo and 2019. IBM,theIBMlogo and companies. Acurrent list of IBM product and service names might product names might andservice International Business Machines Corp., registered inmany trademarks isavailable onthe Web at “Copyright andtrademark jurisdictions worldwide. Other legal/copytrade be trademarks of IBMorother information” at www.ibm.com/ ibm.com are trademarks of . 8WOQZV24 ↑ on paper edge Prism multi-color refraction

industrious 01 Industrious ↖ Dubai, UAE A soukin BurDubai,

→ Thailand A market inBangkok,

— And recycled ice isawakening aneedfor conservation across theworld. tracking systemstate-of-the-art isimproving medical aid across Africa. then we’re conscious of how we canmake ethical choices.” remarkable stories of this issue isadetermination to make a difference. invest intech for good. impossible problems andfinda way forward. We have a responsibility to our know-how, ourexpertise and our humanityto bringlightto seemingly clean water. theHIV/AIDSfuture: human trafficking, epidemic,adesperate need for The world isstruggling withissues thatbeartheweight of ourcollective — clients. much larger to opportunity streamline itscore bankingto benefitall its Cartonale Vaudoise began by optimizing transactions, andnow seesa helping to prevent risks, notjust predict them.Switzerland’s Banque flavors to aninternational market. French-Italian insurer Groupama is businesses just like yours. Cerealto Siro israpidly bringingnew food advantage. anywhere, expertise ortappingindustry to buildandsustain competitive modernizing infrastructure andapplicationsonce anddeploying and open. business inadifferent way, madefor themodernage of hybrid, multicloud organizations for thefuture, anaccelerated approach iskey. It’s timeto do real-time. yield better harvests—there’s aconstant pushto beseamless, secure and governments take ontraffic congestion, ornew approaches farmersuse to Whether it’s theway banks conduct financialtransactions and Letters from theeditors

The circumstances may be dire, butourconviction isdeep. Banking datais being used to combat thetrafficking A of humans. we know the cost“When [in water usage] of items we useevery day, “It’s about saving as many lives aswe possibly can.” “If you cantrack themoney, you cantrack thepeople.” While hopeis an essential ingredient in progress, whatIseeinthe We in the tech community have aresponsibility to apply ourresearch, What will your story be? Inthepages thatfollow are clientstories of transformation in That canmeanmoving workloads mission-critical to thecloud, Aswe lookaheadandexamine how businesses construct their SeniorVicePesident,GlobalTechnologyServices,IBM &VPSalesEnablement,IBM Sharon T.Driscoll,CMOIndustry Marketing Juan Zufiria

Industrious, Issue7 ↑ ↑ Juan Zufiria Sharon T.Driscoll

industrious 02 — 03 ISO 20022 05 — 04

Banque Cantonale Vaudoise is using IBM Financial Transactions Manager as the foundation for its digital reinvention

words: Matt A.V. Chaban

↖ Looking up through apartment building patio in Beijing, China 05 industrious BANKING “With more choosing “With people

associated message flows.” financial business areas, business transactions and to capture,methodology inasyntax-independent way, XML andASN.1designrules” thatenable“a modelling Standardization basedinGeneva, ISO 20022is“a setof Eat.ch guy. delivery supermarket andpass ontipsto theUberdriver and ISO 20022will cover thatToblerone barattheAldi outstanding homeloansfrom Bernto Zurich to St.Moritz. executes onhundreds theauto-payment of thousandsof in thebanktwice amonthwhenpaycheck clears. It on theirdaily lives. to thepeopleof Switzerland, will have even more bearing dam. airplane wingnutsorturbineefficiencyina hydroelectric ISO 20022may soundlike atest for thetolerance of governing changing regulations bodies to keep pacewiththat change, digital payments overdigital payments cash and it can difficultto be keep up.” For theperson waiting for cashto dispensefrom According to theInternational Organization for The ISO20022standard iswhatensures money is It isbothmore complex andsimplerthaneitherand, —Serge Messin, BanqueCantonale Vaudoise

half decade, digitalpayments grew 30percent onthe in Switzerland andEurope asawhole. Over thesame there isstill plentyof payments expansion happening While muchof thisgrowth isdriven by emerging markets, previous year anda45percent increase since 2012. and BNPParibas. That’s a10 percent increase from the World Payments Report released in2018by Capgemini of $483billion in2016,according to the14thannual is more urgent thanever. recent years, theneedfor universal ISO20022adoption or legacy payments standards. instantaneously, withoutany interruption from competing their transaction cango through. Andgo through almost credit card companies, payment processors, lenders—so bank—as well asnumerous intermediaries, suchas digital language thatallows thatmachineto talkto their store, theISO20022standard issimply thecommon an ATM ortheircredit card to clearattheconvenience Global non-cash transactions reached anewGlobal non-cash high As theuniverse of digitalpayments hasexploded in ↑ would beaconsiderable for undertaking BCV, asthebank public orsemi-publicbank). ISO20022implementation (each of Switzerland’s 26states, orcantons, hasitsown largest lenderandsecond largest of itscantonal banks payments systems by 2021. hundred depositors, would have to transition all their UBS andCredit Suisse to locallenderswithonly afew 250 financialinstitutions, from global stalwarts like national standard for payments. Thecountry’s roughly ISO 20022adoption was essential to create areliable and hack,aswell ascreating frictionandlag. vulnerabilities to theirsystems, bothto system failure programming languages. Eachadditionalstep introduced were processed inmyriad, sometimescompeting, World Payments Report. 30 percent from $84billion in 2012,according to the continent, reaching $109billion in2016.That’s upnearly café in South Africa Paying with justatap ina Banque Cantonale Vaudoise isthecountry’s sixth That’s why in2015theSwiss NationalBankdecided Historically, theseinter-institutional transactions livelihoods were atstake. According to BCV, thebank it launchedinthe1980s. payments still ran onasimilarCOBOL framework to when standard required by theISO20022format. BCV’s electronic transfers andATMs—a from theXML farcry course of decades, three-plus datingto the dawn of infrastructure.” to make significantchanges to ourpayment processing “To comply withregulations, we knew we would need Lars Kermode, thebank’s headof IT architecture, said. equipped to handlethenew ISO20022message format,” 2016, ithadalarge taskahead. Lake Geneva bordering France. branches Vaud, serve astate slopesof onthenorthern is known, given itssize andstature. Thebankandits74 Beyond thetechnical challenges, many Vaudois That system hadbeencobbled together over the “Our existing payment processing system was not When BCVbegan debatingISO20022adoption in

industrious 06 — 07 BANKING ↑ churches inZurich,Switzerland Grossmunster andFraumunster

industrious 08 —09 handles accounts for 370,000 of the canton’s 793,000 11 residents. Roughly one out of two Vaudois businesses “In the long term, we want to —

banks with BCV, supporting around 200,000 jobs in the 10 canton. BCV also handles more mortgages than any extract legacy functionalities other lender in the canton, serving one in three property owners. At the end of 2018, its assets totaled roughly 48 off our core banking platform. billion Swiss francs. After considering doing all the programming in-house This will streamline our or outsourcing it entirely, BCV decided that the best way to handle its migration to the ISO 20022 standards was core banking system.” to train its platform team on IBM’s Financial Transaction —Lars Kermode, Banque Cantonale Vaudoise Manager. The platform can seamlessly integrate and replace legacy code with dozens of modern standards, including the XML and ASN.1 that ISO requires. “The banking sector is undergoing major upheaval,” Serge Messin, BCV’s head of IT solutions, said. “With more people choosing digital payments over cash and governing bodies changing regulations to keep pace with that change, it can be difficult to keep up.” Yet what started out as a simple exercise in compliance has proven so successful that it’s kicking off a far greater transformation of all digital banking at BCV. In summer 2018, the bank decided to expand its work on the Financial Transaction Manager to deploy additional services to clientele. In the coming years, when a BCV customer opens an account online, makes a mortgage payment or transfers money between saving, checking and investment accounts, they will be doing so through applications built into the Financial Transaction Manager. BCV also upgraded its workhorse Z13 mainframe servers to even more robust and efficient Z14s in April 2018 in order to handle the expanded capacity its customers will require. “In the long term, we want to extract legacy functionalities off our core banking platform,” Kermode said. “This will streamline our core banking system, make it more efficient, and modernize our architecture.” And, thanks to this work, BCV’s payments system will now be just as reliable as a Swiss watch.

↑ Produce market worker ↑ Motorcycle shop customer

processes payment uses credit card reader industrious BANKING BIG THINKER words: Justine Jablonska chief courts fans Wimbledon’s content variety: how Serving Alexandra Willis 12 → Woman plays tennisin California

industrious 12 — 13 INDUSTRIOUSBIG THINKER “There’s from thisroar through thestadium theglass. that erupted It was themost amazingmoment.” ↑ Alexandra Willis ↗

Man plays tennisinmatch gameinItaly when asked, Wimbledon’s fans said they love variety. is themost exciting, with intense powerful, rivalries. But There’s aperception, for example, thatthemen’s game to life. tobase isanopportunity bringthat diversity of thought background. Wimbledon’s extraordinarily global fan when there’s diversity of thought—whether age, gender, resonate withall those fans? is broadcast. who watch from one of the200-plus territories the event on thefans—both those whophysically attend, andthose draw thosenearly billion-strong crowds, Willis’ focus is transformation happened. (Yes, helped.) thecrying spokespeople, andWillis’ content dives into how that widely criticized, he’s become one of Britain’s most loved love-hate relationship Once between him andtheUK. saying thatwe women have avoice.” off thecourt. King thisyear as well—for heraccomplishments on and one of her first inspirations. Willis’ team ishighlighting many other black Americans experienced back home. England after herwin,and the segregation sheandso of thestark contrast between meetingthe Queen of civil rights movement inherUS home. Gibsonspoke win Wimbledon. The year was 1957,theheightof the worldwide events. shesaid. the event?” and truly reflect theamazing breadth of andopportunity devastating defeats, most hairpincomebacks. some of world’s the sports most thrilling triumphs, most Throughout its140-plus years of existence, it’s hosted and theonly majorthat’s still played ongrass. Industrious from herLondon home base. year’s championships will beher ninth. Shespoke to digital atThe All England Lawn Tennis Club. This voice,” Willis said. majority of those fans seeandhear. year, andit’s up to Alexandra Willis to decidewhat the A billion fans engage withWimbledon in any given —Alexandra Willis, Wimbledon “We were“We being led by perception,” Willis said.“Our One way her team does thatisthrough research. Willis firmly believes thatthebest outcomes occur So how does her team decidewhich content will While it’s players like Gibson, King andMurray who And thenthere’s AndyMurray, and the complicated, “For sports, andfor women’s rights,” Willis said.“For Tennis legend Billie JeanKingoften quoted Gibsonas One isthatof Althea Gibson,thefirst blackplayer to This year, her team ishighlightingstories impacted by content will inspire“What people, bringpeople to us, Willis’ team brings Wimbledon’s stories to theworld. Wimbledon is theworld’s oldest tennis tournament, Willis ishead of communications, content and “My role isto betheguardian of Wimbledon’s external

industrious 14 — 15 BIG THINKER ↑ leaders of tomorrow,” shesaid. force indeveloping people’s own identities. be following the same ones.” Shesees that as apositive out there for everyone,” don’t shesaid.“We all have to of theirindustry. with and learn from different typesof people regardless world, where everyone to hasthe opportunity connect lots of different ways tothat without forcing support it.” happened to beawoman,”“Who are shesaid.“There Egyptian-born player to play in last year’sGrand Slam. stories. Like thestory of HeidiElTabakh, the first drive clicks, “that’s notnecessarily therightthingto do.” most popular player intheworld and would certainly Roger Federer every day of theweek. Though he’s the fans aboutwhy theclub’s accounts aren’t posting about said. Her team hasalsospenttime educating some vocal sports. 50/50 balance interms of gender viewership—a rarity in and women—like thedraw itself. Thatalsoreflects a that all itscontent would be50/50 split between men around equality, shenotes. Last year, her team pledged matches. All typesof tennis.” long setsand thrilling matches, and interesting tactical tennis too, and we love wheelchair tennis. We love fans said,we love men’s tennis butwe love women’s Closeup of tennisnet “I thinkabout that alotwhenI think aboutthefuture brilliant thingisthatthere’s“The ahero /role model Willis loves thataspectof today’s digitally connected Instead, her team ishighlightinglesser known Wimbledon’s fanshave responded positively, Willis Conversations are regularly happening in thesport Wimbledon is fargreater than that.” people across thetwo weeks. Andthe appetite for inside thegates,” she said. “It’s abouthalf a million they’d like to see. noting which players they’re interested in, which content player, ball boy. Userscanalso control theexperience by whether auser is aticket holder, hospitality guest, MyWimbledon. The app tailors content based on powered video highlights. Thisyear, they’re launching creating personalized experiences for Wimbledon fans. that relevancy for decadesto come. works to expand and stretch thebrand sothatitkeeps Wimbledon’s traditions andhistory relevant, shealso women worked insports. I’ll be different.” well.” lacrosse. Sheplayed tennis too, “just notparticularly history atOxford University, where shealsoplayed ecstatic. grandfather to thechampionships in 2010,he was her grandfather and father. When shebrought her As achild, she watched with Wimbledon on TV in London. She’s always hadapassion for sports. Though sheand her team can’t recreate whatit’s reality is we’ve“The always got limited capacity In 2018, her team partnered withIBMonAI- To thatend, her team iscontinuously working on And while she bringsherlove of history to keeping At university, “not sheremembers thinking, many Her family isfilled withdoctors, butshe studied Willis was born in New York Cityand grew up ↑ ↑ Closeup of tennisballs onfieldincourt Overhead ofsmash shotacrosstenniscourt was themost amazing moment.” roar from the stadium that erupted through theglass. It wins thetournament. He makes history. Andthere’s this running back and forth. And nosoundwhatsoever. there watched the cinematic scene. Two ant-like figures about to make amazinghistory,” she said. championships. AndyMurray was ontheverge of winning. craft ittogether.” probably managed to watch afull match inperson if you bought something online, orinastore.” happened yesterday. They went to the theater. They reality isthey’reWillis measuringusonwhat said. “The what they’d experienced the year before, atWimbledon,” work around how to best thefans. serve solve, versus the tech itself. begin theirwork by focusing ontheproblem they want to relevant,” shesaid. The teams iterate each year, and business challenge—which iskeeping Wimbledon whatever the tech mightbe, Wimbledon’s itsupports and thisyear marks the30thof the partnership. ‘you’resaying, to important us.’” very like insidethose gates, “we’re going to doourbest. We’re “He winsthe point,” shesaid.“He wins thematch. He She ran up to thesoundproofed media boxes, andfrom had this feeling: thiscould“We be it.Hecould be One of her favorite memoriesis the 2013 “It’s abitof arunning joke,” shesaid, “and I’ve So how much of Wimbledon does sheherselfwatch? used to thinkthatourfans “We were measuringuson As customer expectations shift, so does her team’s “We’re working together to figure out ways that IBM isWimbledon’s official IT supplier and consultant,

industrious 16 — 17 19 — Blight Sight 18 Flight: The Swedish drone hobbyists fighting crop disease

words: Matt A.V. Chaban photos: Jesper Cairo Westergaard

← Potato field infected with late blight in Give, Denmark AGRIBUSINESS 19 industrious 21 “The economic and environmental — implications could be huge for Sweden, 20 and for the rest of the world.” —Mats Persson, IBM

Mats Persson, a Business Manager with IBM Sweden, With earlier drone detection, Alexandersson hopes readily admits he did not set out to solve the problem suspect plants can be rooted out or at least more precisely of late blight amongst Sweden’s potato farmers, nor cut sprayed, sparing their surroundings. down on the nation’s use of pesticides, nor create an For centuries, farmers could only walk their fields entirely new model for crop management. looking for signs of late blight, scanning leaves and Like so many innovators before him, Persson, and a few twisting stems. As digital photography has improved of his colleagues at the IBM Client Innovation Center in in resolution, some scientists have experimented with Malmö, just wanted to play with some high-tech gear. stationary cameras to monitor fields. “We’re all into photography,” Persson told Industrious. Alexandersson and his colleagues realized they could “And we basically wanted to figure out if IBM might buy us literally take this work to another level. With the more a drone.” nimble and deployable drones, they can quickly transmit It was May 2016, and the Cognitive Build challenge, data to a computer or even smartphone. If anything a six-month companywide competition seeking looks suspicious, a human could be dispatched for closer innovative AI projects, was just getting underway. During inspection. their afternoon “fika” coffee breaks Persson and his While not exactly back-breaking, drone-assisted officemates began considering ways to harness drone detection remains arduous. photography alongside IBM’s latest technology. Persson “It was a lot of imagery for a person to scan through,” lives near the Swedish University of Agricultural Sciences Alexandersson said. “And this is just the small number of and suggested the team consider farming applications. fields we are testing on. Think of all the farmland in the One afternoon, Persson ventured over to SLU world.” (the university’s Swedish name is Sveriges Lantbruks- Upon hearing this predicament, Persson knew he had universitet) and began asking around the cafeteria if found his project. anyone was using drones in their work. Multiple people What if AI could identify the black marks of blight mentioned Erik Alexandersson, an associate professor captured by drones, just as it now recognizes traffic lights, of plant protection biology, who happened to be enjoying faulty welds and discreet cancers? a coffee nearby. The pair struck up a conversation, and The SLU already had more than a thousand photos Alexandersson explained how his department was utilizing to work with, alongside an unexpected bounty already drone photography to detect late blight in potato fields. uploaded into Watson. University researchers in “Just the word ‘blight’ has become synonymous with disaster,” Alexandersson told Industrious, “and for good ↗ Researchers use both RBG reason.” and spectral photography to Phytophthora infestans (Greek for “plant-ruining look for signs of blight. Spectral photography can attacker”) is caused by a fungus that rapidly produces detect signs of decay that spores in wet, mild conditions. Storms can be a potent ↓ Researcher manually inspects both humans and AI miss in potato plants in Give, Denmark color photos vector, as are the damp environs synonymous with one of the world’s most infamous infestations of late blight: the Irish potato famines of the 1840s. Once infected, a plant’s leaves, stems and tubers quickly turn a sickly, mottled black. “Stinking potatoes…” the Irish poet Seamus Heaney once observed, “pits turned pus.” Entire fields can be wiped out in under a week. In Sweden, such devastation has an environmental impact well beyond crop yields. While potatoes make up less than two percent of the country’s agricultural fields, late blight alone accounts for a quarter of aggregate pesticide use. Swedish farmers have lost more than six billion Euros annually on blighted crops, plus the expense of preemptive spraying and fuel for tractors to spray. AGRIBUSINESS industrious AGRIBUSINESS In the field, In thefield, drones Watson-enabled reached 97percent. settings,in laboratory identifications began accuratelybegan infected identifying crops three outof four times; ↑ the fields withastudent researcher SLU professor ErikAlexandersson (left) in Yara, oneof theworld’s largest producers of fertilizers and Alexandersson said,excited by thesightof blight as only a the summerflying drones over test fieldsoutsideGive, agriculturalto buildplatform.a globe-spanning Persson’s times asmany. three images aminute, whileWatson can process ten- top humanblight-spotter—yet they canonly review around foundation, spanningtwo continents, to enhance the AI’s Malmö ledthedevelopment work alongsidestudents and Furthering theproject’s educationalaims, IBMinterns in Denmark. There, apotato breeder hadintentionally Earth’s arable land. California hadsimilarly beenflying drones over infected were deployed to four fieldsaround Sweden andDenmark. researcher could be. machines to spray discreet amountsof fungicideorroot researchers from SLU. million hectares of farmland,roughly seven percent of the project was amongthedemosthat closed thedeal. project didnotmake thefinals—to hischagrin—it boosting yields. be huge for Sweden, and for therest of theworld,” Persson precision—“We call itWatson versus Erland,” he saidof his settings,laboratory identifications reached 97percent. blight-recognition abilities. blight-resistant. said. said. small rovers programmed to travel alongplanted furrows spectral signatures were similarenoughto create asolid out infestations. obvious. Thesedevices could theoretically signal larger or insects, autonomously looking for blightandother envision where aheartland drones aboutlike dart birds orange groves. Thoughstudying different diseases, the ultimately helpedIBMwin an even bigger prize. InApril, agronomy solutionsannounced, with IBM apartnership inspecting leaves from below, where late blightismost issues. Themost effective botsmighteven beterrestrial, infected cropsidentifying three out of four times;in infected his fields to analyze whichspuds were most dramatically reduce costs andcontamination while concentrations, it’s going to beamazingfor thedata,” country’s pesticides, even reduction apartial would “The economic andenvironmental implicationscould “The “We picked“We upsomany breeding lines, in such In thefield, drones began accuratelyWatson-enabled In themeantime, Alexandersson andhisteam spent At full deployment, Yara’s platform could 100 service As for the Cognitive Buildcontest, whilePersson’s With thefungus utilizingaround 25percent of the While still years away, Alexandersson andPersson can Some of Alexandersson’ peersstill have greater Over the 2017 and2018growing seasons, drones

industrious 22 — 23 25 — 24

↑ Potato blossoms in the fields AGRIBUSINESS of Give, Denmark industrious INFLUENCER Influencer 26 Your innovations have helpedsomany others as shoppingormoving around It’s anairport. notjust overcome hardships. What’s your most memorable papers. Andoverall, thesoftware helpedmy career move project. Ireceived muchenthusiastic feedback from people alsohave. I’m now working to solve the challenge people withvisualimpairments. We know peoplewith users. Myacademicpaperhasbeencited by many world to beaccessible for everyone. wheelchairs, parents withbaby strollers, andother forward to thenext step. independently andenjoy theurbanenvironment such by integrating AItechnologies, sothatwe cancreate our believe canhelpsolve? technology innovation to date? The IBMHomePage Reader isthemost memorable Mobility. It’s difficult for theblind to walk around Is there oneproblem that’s yet to befixed that you ↖ careers. engineers pursue technical works to help women outside IBM,she actively in 2003. Both withinand International Hall of Fame the Women in Technology resources to theblind. internet and its information openedupthe and Asia, in Japan, US, Europe Reader, made available browser, IBMHome Page the groundbreaking voice independent. visually impaired more totechnology make the Dr. Chieko Asakawa invents New Zealand Woman reads Braillein Auckland, IBM Fellow, IBMResearch Chieko Asakawa, She was inducted into In 1997, her work on PhD ↑ Chieko Asakawa

Industriousindustrious 26 — 27 Chemonics 29 — 28

Can predictive supply chains be the key to improved global health?

words: Karam Singh Sethi

→ Africa ← Kumasi Central Market in Kumasi, Ghana SERVICES 29 industrious “It’s about saving as many lives as we possibly can,” Tim 31 Wood said en route to a USAID meeting. “The hospitals —

aren’t large, expensive buildings. In many cases, they’re 30 remote structures in the middle of the desert.” Getting bed nets, HIV medication and other health supplies from medical storage facilities in Washington DC to remote parts of Africa is no small feat. But Wood, a global supply chain VP at IBM, is doing just that. And he’s doing it with the help of a cloud-based predictive supply chain. Global supply chains are crucial to any business or operation. And they have particular significance in the global health industry. “In many cases patients have to walk two, three miles to get their medication,” Wood said. “It’s our job to make sure that medication is there on time.” In 2017, international development contractor Chemonics and IBM came together to oversee one of USAID’s largest projects in history, worth nearly $10 billion. The mission: deliver health supplies for HIV/ AIDS, malaria and reproductive health to more than 60 countries in sub-Saharan Africa, including Nigeria, Cameroon, Ethiopia and Kenya. According to the World Health Organization, 770,000 people died from HIV-related causes in 2018. The The team is planning ways largest percentage of victims was in Africa. Though those diagnosed with HIV can live long lives, only 62 percent of predicting problems of HIV-affected adults receive antiretroviral drugs, which can help fight infection and lower your chances of before they occur. transmitting the disease. “It’s not like ordering a pair of sneakers off Amazon,” Wood said. “Hospitals and clinics place orders for so many medical supplies that they could fill three football stadiums.” The logistics are staggering. Shipments of that size require coordination between shipping vessels, local governments and medical staff. Tracking the various milestones across those numerous supply chains is a challenge. The tracking system needs to ingest data from various sources and track shipments, spot areas for improvement and predict when orders will be late. To manage a mission of this magnitude and complexity, Chemonics and IBM created a first-of-its-kind global

↗ Borana tribe woman holds her baby in Ethiopia

↑ Container ship passes through → Karo tribe woman holds her baby in Ethiopia SERVICES the Suez Canal industrious supply chain operations platform, Automatic Requisition 33 Tracking Management Information System (ARTMIS). —

ARTMIS includes an online catalogue, optimization 32 techniques and data visualizations that help manage orders up to 24 months out empowering distributors and local Chemonics team members. “We created an early warning system,” Wood said. “If an order was going off track we would be notified and could act on the obstacle immediately.” And with transcontinental orders that could fill football fields, obstacles definitely occur. To get supplies to hospitals in remote areas, Wood’s team not only coordinates between chartered planes and ships, but also ensures proper country-specific waivers are granted. Every recipient country has specific policies and regulations that must be followed. The waivers can take up to six months to be approved, and if the approvals don’t come through, supplies can get held up at border checkpoints—or never leave the distribution centers at all. Besides tackling obstacles in real-time, the team is also planning ways of predicting problems before they occur. ARTMIS features dashboards that allow for pervasive data visibility throughout the supply chain, not just to the central warehouse. And because the solution is based on the IBM Cloud, these capabilities are available worldwide. Tom Coleman, a supply chain management practice leader at IBM, believes predictive analytics for supply/ demand forecasting isn’t a pipe dream. “We’re now in a place where we can actually recommend orders,” Coleman said. “Say a country orders two years’ worth of bed nets. Through advanced analytics in ARTMIS, we can see how much of the order is reaching patients and make recommendations to save on costs.” To date, ARTMIS has led to an on-time delivery rate of 90 percent and has helped save $88 million. That, in turn, has helped Chemonics procure more medical supplies. For Wood, the work supports a critical mission. “Our goal is to help eradicate HIV across Africa,” he said. “If the logistics are in place, we can do it.”

More: https://ibm.co/industrious7services industrious SERVICES ↑ Doctor treats boy in Tanzania 35 — When 34 neurodiversity works

words: Dayna Sargen

→ Ingrid Weiss SERVICES 34 industrious Ingrid Weiss had a creative and fulfilling childhood. She 37 fostered her creativity and intellect through activities like —

dance and art. She excelled at academics, eventually 36 graduating from college with honors. But when she sought to fulfill her next mission—a meaningful career—she struggled. Weiss was diagnosed with autism spectrum disorder when she was a child. “One day I was taken into special ed,” she said, “and given a book about, what is this autism thing? And what does it mean?” Though autism had never stood in the way of her goals, finding gainful employment seemed an uphill battle. Because verbal and non-verbal communication can pose a challenge to individuals on the ASD spectrum, job interviews—an already high-stakes situation—can be difficult. “I spent over half a year just saying, ‘Oh, yeah. Another failed interview. What a surprise,’” Weiss said. In the United States, 1 in 59 children was diagnosed with autism spectrum disorder in 2018, according to the US Centers for Disease Control and Prevention. More than half of young adults with autism remain underemployed, a broader look. I think they have learned to appreciate for Retail Business Services, on testing mobile apps. “It’s the disruptors according to Autism Speaks. And nearly half of 25-year- differences that people bring to the table.” Previously, Silva’s team had tested apps on various who make olds with autism have never held a paying job. In partnership with Specialisterne, the program phones one at a time. Rafail examined the existing That means that talented, intelligent individuals people’s lives better.” provides the planning, resources and support needed to process and built a more efficient solution to test up to like Weiss struggle to find the right fit for fulfilling —Ingrid Weiss successfully launch the careers of employees who are eight phones simultaneously. employment, or any employment at all. on the spectrum. “[Rafail] has been a great addition to our team,” “Neurodiversity is really a unique approach to thought,” Emphasis is placed on onboarding and then Silva said at a recent IBM event. “We value the unique said Pam Weiss. “Our daughter Ingrid has a different supporting the employees as they navigate their new perspective he brings, and value he adds to our thought process than a neurotypical person might have. employment. New hires are given headphones to help business.” Sometimes that neurodiversity is a gift and it allows reduce and even eliminate possibly bothersome noise. For Rafail, the opportunity to grow and contribute some creative problem solving. It can also be a challenge IBM’s Watson application, Content Clarifier, is used has been extremely valuable. He too, like Weiss, had because there is some need to have a lot of consistency to make potentially complex instructions more clear, struggled to find gainful employment. in things like schedule, a lot of sensitivities to the straightforward and simple. “It seemed as if there was an instruction manual that environment.” IBM also integrates its neurodivergent workforce with everyone else had for communicating and reading other In support of individuals like Weiss, IBM launched colleagues through regular meetings and social activities people that I did not have,” Rafail said. “I don’t know the IBM Ignite Autism Spectrum Disorder program in to help combat social anxieties and foster collaboration how I would be handling this a year and a half ago when 2017. The program’s goal is to help transform spectrum and team building. I wasn’t working.” talent by employing them locally and delivering their The clients where Ignite employees have been placed Weiss has received similarly glowing reviews from her unparalleled talent directly to IBM clients. give the program high marks. employer in Lansing. “We are taking into account the great diversity that Client Ahold Delhaize employs Dyllan Rafail, who “Ingrid has been a wonderful attribute to our Testing people bring,” said Christine Bartlett, Director, IBM self-identifies as having autism spectrum disorder. Team,” IBM Delivery Manager Amanda Dennis said. “I Lansing Client Innovation Center. “That in itself is going Rafail works with Nancy Silva, QA Portfolio Manager have appreciated the positive energy she brings to the to add value to our clients. It has definitely given people

↑ Shalini Pahwa works with ↗ Shane Fitzsimmons, Weiss and Rafail SERVICES IBM test specialist industrious team and her willingness to help train colleagues in areas 39 of her expertise.” —

Weiss approach every task with a passion for 38 technology and out-of-the-box thinking, according to Dennis. “I’ve had the opportunity to watch Ingrid grow into a leader, stepping up to assist in awareness training for our center and broader IBM,” Dennis added. “She is an inspiration and I feel honored to be her manager.” IBM plans to create more than 300 new jobs globally for individuals with ASD by 2020. For Weiss, the program has been life-changing. “It’s given me the leg up I was desperately looking for,” she said. For Ingrid’s mother Pam, the program has also had a profound impact. “We didn’t used to know what to do with a deaf employee or an employee in a wheelchair,” she said. “Now that we’ve adapted to those things, we can learn to adapt to neurodiversity.” And for Ingrid, she believes that individuals with neurodiversity are a “blessing in disguise” that, thanks to their different thought processes, see things differently— and see things that are new and unexpected. “We call that sort of thing a disruptor in the tech world,” she said. “And it’s the disruptors that make people’s lives better.”

More: https://ibm.co/ industrious7neurodiversity ↗ Zachary Cairns, IBM software tester SERVICES industrious AUTOMOTIVE ↖ words: Matt A.V. Chaban auto consumers will drive in data security and growing interest in brands waning interest In 2030, tunnel in Munich,Germany Electric US-madecardrives through

Auto 2030 Auto

Industriousindustrious 4053-54 — 41 AUTOMOTIVE “Cars vehicles tobe used with https://ibm.co/industrious7auto2030 More: throughout them. Now they’re Nowthroughout them. they’re just totake happen usplaces.” becoming giantcomputers that little computers embedded little computers embedded

—Benjamin T. Stanley, IBM Automotive 2030 report, said they’d prioritize price, When quizzed abouttheir vehicle preferences when When itcomes to carsinthenext decade or two, the vehicle services, almost respondents one-in-two (48 ↑ their brands whenthetraditional things thatdrivers to tech. Stanley pointstoasanexample smartphones of were consistently evident whether consumers were with Daniel Knoedler and Dirk Wollschlaeger. what liesaheadforvehicles: smart ourhandhelddevices horsepower—are no longer of interest ifyou’re not have looked for—how acarlooks, how it handles, the And these shiftingpriorities premium detailing. percent) said brand wasn’t adeciding factor. brand is dead—long-live the brand. more are theuserinterface and appsinside. have become largely indistinguishable, whilewhatmatters have already propelled vehicles’ evolution from mechanics smart vehiclessmart to purchase someday. study, Racing Toward a DigitalFuture. Stanley co-wrote it using e-hailing, ride-sharing or, ride-sharing using e-hailing, someday, autonomous around theworld by IBM’s Institute for Business Value. driving?” saidBenjaminT.driving?” Stanley, anauthorof the2030 considering how they’reapps orwhich utilizinge-hailing considerations of high-performance features or convenience anddatasecurityover thetypical Man onphone inMoscow, Russia “How are car companies going to keep loyalty to Just askthenearly 12,000consumers surveyed More consumers, whenqueried for theinstitute’s Cruise control, lane-assist and infotainment centers Cruise control, lane-assist andinfotainment centers

privacy of theirdata. of and thefuture: thesecurity value most vehicles inthesmart Features consumers say they That’s despite livingindifferent environments with 65 percent) said they would still prefer the option of While most people won’t recall the vehicle make or vastly different transit options. to develop a seamless digitalecosystem just as take usplaces.” they’re becoming giantcomputers that just happen to the study had some unconventional answers. For Foxconn, the Taiwanese manufacturer that assembles brands in theirappeal. rural) and speakingto thevehicle naturally (50 percent loyalty programs (53percent urban and 40percent premium brands would sway their decisions. or autonomous vehicles.ride-sharing Only 48percent privacy would be theirtop criteria whenusinge-hailing, rural residents strongly agreed thatdata security and privacy of theirdata. high-tech innovators, like and not Apple or Samsung, points to Auto smartphones: companies want to be remember if they usedUber, Didi, Lyft or Kapten. model from trip, theirlast e-hailing they doprobably must burnish their brands inways they never imagined. both urban and rural respondents, two inthree (or people around to make consumers want to usea becoming basic features, notextras. reliability, affordability, connectivity and especially loyal customers. new ways to rev consumers’ engines and keep them as residents need vehicles to get around but findthem prospect of owning avehicle but still want one. Rural surprise what features consumers say they value most specific one. Automakers, Stanley said,will have cars willsmart have to domuch more thanmove out how they remain household names. Again, Stanley embedded throughout them,” Stanley said.“Now urban and 33 percent rural) have overtaken marquee expensive and onerous. each group. Urbanites are often inconvenienced by the actually ranked astheleast consideration, important and 28percent, respectively, said thechoice of accessibility—going places bothreal and virtual—are a personal vehicle for their trips adecade from now. in the smart vehiclesin thesmart of thefuture: thesecurityand iPhones, Playstations and Kindles. despite historic preferences. Differentiators like compelling as theonesinourpockets. “Cars used to bevehicles with little computers This shifthasleft many automakers racing to figure This shiftisall the more reason auto manufacturers The sameishappening with cars and trucks: As for who’ll be usingcarsversus mobilityservices, As smartphones do much moreAs smartphones thanmake calls, All themore reason it’s upto theautomakers to find Some 57percent of urbanites and 46 percent of Such preferences underscore the aspirations of Having a luxury chassisHaving orturbo-charged aluxury engine Given thistechnological shift, it may come aslittle

industrious 42 — 43 AUTOMOTIVE ↑ Cup ofcoffee intheUK in 2030 commute morning Your words: Benjamin T. Stanley report Automotive 2030:Racing Toward aDigital Future Excerpted from theIBMInstitute for Business Value setting uptheir personalized experience enroute. you agood day. preferences in your mobilityprofile before wishing you cantake that walk. Itmakes anote of any new confirms thepurchase. your calendars, ticket prices andavailability, then concert your spouse wants to attend. ACES checks as you go. While passing thetheater, itsuggests a because you missed your exercise target last week. left on.ACES suggests you mightwalk the last mile checks your houseincasethewasher was or TV vitals and coordinates withyour fitness app. It off listening inthe kitchen. newest audiobook, picking upright where you left Itbeginsplaying your cleaning. you canpick up dry route thatavoids traffic whilemakingadetour so screens. and friendsflashacross multiple theinterior’s the Beatlesassocial media greetings from family birthday. by As you buckleup, itplays “Birthday” Electrified andShared—and you get in. call itACES, fortAutonomous, short Connected, work. The vehicle you ordered Sunday arrives—let’s It’s asunny and you’re Monday morning, ready for It thenheads to itsnext scheduled customer, Approaching your destination, ACES stops so ACES pingsalist of locally approved businesses Along theway, ACES quietly scans your health ACES for departs your destination, picking a The first thing ACES doesiswish you ahappy

industrious 44 — 45 TELECOMMUNICATIONS, MEDIA & ENTERTAINMENT Influencer 46 ↖ College. fromand Biology Cornell in Chemistry Bachelor’s State University, and Engineering from Iowa Chemical and Biological Master’s inElectrical, School of Management, from Kellogg Graduate does business. 170 countries in whichIBM encompassing 154 of the Middle East and Africa, and Eastern Europe, Pacific, Central America, IBM’s highgrowth in Asia responsible for driving positions. Mr. Hahn was and marketing leadership held various global sales spent 30years at IBMand sector. and services technology fast-growing global mobile market expansion in the growth and double-digit to leadthe company’s Mobile inAugust 2015 SJ Hahn joined Samsung Car manufacturing factory IT &MobileCommunications Business Executive Vice President Suk-Jea Hahn Samsung Electronics Co., Ltd. Government Team MobileEnterprise& Global Hahn holds an MBA Prior Hahn to Samsung,

↑

Suk-Jea Hahn

industrious 46 — 47 TELECOMMUNICATIONS, MEDIA & ENTERTAINMENT “Experience innovation because isonlypossible of thenext generation of wireless 5G. technology: AI,cloud computing and advanced algorithms, amongotheradvancements, were already — Why isthetimefor 5Gnow? goal isto andgovernment pushourclientsinindustry worked tirelessly to develop new technologies. The wireless connectivity. next generation of wireless 5G.AI,cloud technology: ecosystem.partner business andgovernments interact withtheworld by 5Gwill bethecatalyst for new applications. These software from and services Samsungandourvast speed, low latency andmassive throughput generated around themthrough unprecedented andreliable applications will truly change theway consumers, advancements, were already changinghow we useand is more thanjust new features onadevice. Itisthe into awholenew level of productivity, intelligence and interact withdataandtechnology. However, thehigh dawn of “experience innovation.” Experience innovation complete integration of new advances inhardware, connectivity. We call thisunprecedented progress the computing andadvanced algorithms, among other changing how we useandinteractwithdata andtechnology.” For almost adecade, have Samsungandpartners Experience innovation isonly possible becauseof the Suk-Jea Hahn,Samsung Just as4GLTE transformed nearly every aspectof our technologies augmented like cloud-gaming, bigdata, within theindustry. Theaspectsthatare most talked more responsive userexperience. However, italso mobile devices. latency, are of parts amuchlarger puzzlethatthetelco manufacturing andeven entertainmentare afew reality (AR)andautonomous vehicles. Transportation, lives, sotoo will 5G.From thehome, theoffice, and power andspeedof afiber connection intheirpocket. smartphone, givingconsumers andbusinesses the examples of industries thatare impacted by 5G. enable faster, more accessible connectivity for new everywhere inbetween, 5G’s mobileapplicationswill about today, suchasimprovements to throughput and is to fundamentally transform theway we make use of isworkingindustry hard to solve. Theendgoal of 5G That, of course, meansasignificantly faster and 5G meansalotof different thingsto different people Samsung recently released theGalaxyS105G Which industries will beimpacted? ↑ typically leveraged wireless connectivity inthepast. the traditional boundariesof themobileindustry. This technology availabletechnology today, factories smart can for safer andmore factories. efficient smart With to gain insightsinto how 5Gcanlay thefoundation focused 5G“Innovation Zone” atourleading-edge with 5G: will beachieved by pulling indozens of previously workers, video analytics to improve safety andsecurity, will helpbothcompanies, asawhole, andtheindustry with AT&T to create America’s first manufacturing- means enablingentirely new usecasesthatgo beyond maximize 5G’s potential withARapplicationsto assist semiconductor inAustin, factory Texas. Thecooperation unconnected orunder-connected industries—from already begun to explore usecasesthathave not and publicsafety. Infact,ourearliest 5Gtrialshave automotive andhomeentertainmentto cityplanning 5G will enhance liveevents A few examples/use casesthat canonly bepossible Smart FactoriesSmart Last year, Samsungannounced thatwe are working What thatmeansforhomesismore smart devices times faster than4GLTE, with 10-timeslower latency. to communicate andwearables, withsmartphones times. TheSmartThings solutionallows usersto platform like SamsungSmartThings, even from along pedestrians, bicyclists, andeven scooter ridersto new Cellular Vehicle-to-Everything (C-V2X) technology support. With5G,SamsungandHarmanaresupport. working of 5G’s extreme low latency andlarge-scale sensor enhanced collision avoidance, takingfull advantage and automation to improve operational efficiency. appliances andsecurityviamobiledevices. improve safety. distance—with lag-free, near-instantaneous reaction control, automate andmonitor their homeenvironment, can beremotely controlled by ahomeautomation closely withthe5GAutomotive Association to develop constant updates ontraffic and road conditions and Transportation 5G offers turbo-charged network broadband, 20- Smart Homes Smart Connected carsandtrucks will besafer to drive with

industrious 48 — 49 INFLUENCERTELECOMMUNICATIONS, MEDIA & ENTERTAINMENT ← fire-fighters are using 5G-connected dronesfire-fighters to are using provide 50 players canonly seethrough theirindividualphones, Samsung Galaxy5Gphonesonnetworks. You won’t Samsung Galaxyphonesfor themto catch. Itmadeus venues will beableto offer enhanced fanexperiences venues will forever change theexperience of seeinga feel like there was anentire world all around usthatwe the real world, Pokémon would popupinamapontheir from asafe distance. grocery store—you and50localplayers will descend on better access, coverage andvisibilityfor peoplein reality reality’s (AR),virtual less cumbersomecousin, live event. will Thetechnology allow fansto connect and just behuntingdown monsters onyour way to the such ascustomized 4Kvideo, alternate views of all synchronized, truly collaborating to battle together. a parkto battle withfictionalenemiesthat you andall and it’s only going to get better andbigger with streaming. athletes andAR/VR in needwhilereducing riskfor themselves. InKorea, interact simultaneously onamass scale. Additionally, dangerous situationslike fires, earthquakes andfloods could access through ourphones. Woman plays withvirtual reality That was popularapplicationof avery augmented 5G enablesfirst responders to helpmore people 5G instadiums, arenas andotherentertainment Remember Pokémon GO?Asplayers moved through Public Safety Mobile Gaming Entertainment industrious7_5G https://ibm.co/ More:

industrious 50 — 51 53 — IBM’s 52

Asma Shabab breaks the rules to reveal how tech impacts humanity

words: Justine Jablonska

→ Asma Shabab in Iceland BIG THINKER 5352 industrious BIG THINKER “We whounderstand people need understand theresponsibility.” of technology,the impact and ↑

Lynx Festival Shabab at the2018Dubai —Asma Shabab, IBM

“Everything ispossible“Everything ifyou’re ready to take thefirst At school, where sheexcelledAt school, inacademicsand Sarawy, whocompiled the list, wrote. to continue education.AndthoughShabab herart transformers,” Brandberries editor-in-chief Hamza for herthoughtleadershiponhow impacts technology technology. From Istanbul to Los Angeles, Dubaito New York and was exposed to various religions through her fellow ways to address whatever was happeningaround her. bring adifferent pointof view andcreativity to her work. background has, throughout hercareer, helpedherto religious outlooks,” she said.“A citythathouses herself whenexamining anew challenge. better, new way. Also:listening. processes; questioning whetherthere’s adifferent, breakers asthosewhohave theguts to question. humanity—is exactly that. beyond, a2019Woman AsmaShabab—named to Watch her two master’s degrees (thefirst thesecond anMBA, students—and notes how luckyshewas to get thatsort so many peoplefrom all over Pakistan. It’s alsoa step andgo for it.” of exposure from anearly age. spanned marketing, politics, publicrelations, andnow extracurricular activities, sheloved findingcreative ultimately chosebusiness as adirection, herart and sculpted, hermotherencouraged herto go to Paris as continuously exploring how to challenge herself. in strategic publicrelations) to acareer thathas differently,” shetold Industrious from herDubaihome. difference Questioning isthrough questioning. existing commercial hub. Ilove theenergy.” “It’s acitywhere there’s somuchcontrast inlifestyle, “Can Ilisten sheasks from adifferent pointof view?” “A rulebreaker issomeonewhodoesthings “Here’s to therulebreakers, therebels andthe The Institute of Business Administration in Karachi Today, career, inherglobe-circling shedefinesrule Throughout she’s itall, found thattheway to make a At herprivate (and“strict!”) Parsi she highschool, Since shewas atalented artist whobothpainted Shabab grew upinKarachi, Pakistan. Shabab hasalways whichshedefines beenarebel, She bringsthatethosto everything shedoes—from ↗ Aurora over Kirkjufell MountaininIceland

industriousIndustrious 5453-54 — 55 BIG THINKER “There were students“There from literally every corner of the “the embodimentof influence”—and“the appliedfor a Administration. Shedecidedonmarketing asafocus. to work inpublic relations withafocus onlobbying and Barack Obama, whoshe’dBarack Obama, heard speakwhileatUSC. David Plouffe’s insidelookatthehistoric of victory Fulbright Scholarshipto study strategic publicrelations Pakistan twice. world.” guiding principlethattoday hasherhoppingcontinents. make people’s lives better. realized thatshecouldn’t be aneffective communicator politics. had acombined BachelorandMaster’s of Business became fascinated withtheconcept of publicrelations— she wanted to travel. She’d only ever traveled outof addressing challenges thatcome andopportunities with and communications consultant, sheworks on at theUniversity of SouthernCalifornia. as amanagement trainee. Shesoonrealized how much implementing complex technologies like AIandIoT to if shedidn’t understand technology. conversations yet. Butonce shefinishedthebook, “It was oneof thehighlightsof my life,” shesaid. “That was Starinmy theNorth life,”“That shesaid—the Though the learning curve wasThough thelearningcurve steep, she’s now Technology, sherecalls, was notreally adriver in After graduation, sheworked inastate oilcompany When theprogram ended,shereturned to Pakistan Six years later, inherrole asanIBMdigitalstrategy She was reading TheAudacityto Winatthetime— She moved There, to Dubai,thento theUK. she “There was ashipwreck.“There Ijumpedin.wanted to seethe “That’s theonly way you’llgrow andchallenge yourself, (“I’m shewelcomed the horribleatit,self-taught”), years was to Miami,Florida. that make upAIsystems. to have more diversity amongthosewhowrite thecodes how canimpactsustainable technology development responsibility.” matter, shesaid,butiscurrently missing from many shipwreck.” spaces. of technology,” shesaid,“and understand the so well-versed inAIandIoT andtheirimplications on business thatshe’s regularly asked to speakat and impactglobalissues like poverty andeducation. and ultimately succeed.” shesaid. algorithms created by humans?” and innovation. discomfort. change. It’s why shebecameaconsultant: to address conferences around theglobe. “We were“We inthemiddleof theocean,” shesaid. needpeoplewhounderstand“We theimpact “You needto becomfortable indiscomfort,” shesaid. systems“What are going to make decisionsbased on “AI istheway theworld isgoing to work,” shesaid. And thoughswimming isachallenge for her Shabab focuses onhow isdrivingdigital technology Representation intech spaces like AIandrobotics One of Shabab’s favorite tripsamongmany inrecent One way to combat biasinAI,shefirmly believes, is One of herfavorite topics to speakaboutisAIbias ↗ Shabab in MachuPicchu

Industriousindustrious 595653-54 — 5957 59 How the city of Traffic levels went down, —

and stayed down, by 25 percent 58 Stockholm broke its gridlock

words: Justine Jablonska

→ Highway traffic GOVERNMENT 5358 industrious BANKINGGOVERNMENT ↑ Stockholm “It’s can day. somethingpeople feel every ←

It’s really makingadifference.” Passengers withcommuter train —Miro Holecy, IBM Administration. Industrious from Sweden. “So we trieditasapilot first.” In themid-2000s, Stockholm cityofficials gathered to to kickitoff withapilotprogram thatwould runfor six to tacklethemulti-faceted issue, they decidedupon followed soon after theautomobile becamewidely the nation’s economic andcultural political, center. It’s government atthetime, intheEnvironment andHealth were thencalled, were lamented innews reports asearly pay a fee—the equivalent,pay afee—the then,of $3. and6:30p.m.between 6:30a.m. onweekdays would registered vehicle entering andleaving thecitycenter 2006. months starting inJanuary potential to get even worse. bottlenecks anddelays were becoming ever present, with half amillion carszooming inandoutof thecity, upand services andextendedservices transit options. Andthey decided expanding by 20,000peopleannually. Withmore than a road-charging system thatincluded park-and-ride as the1910s. available intheearly 20thcentury. Traffic snarls, asthey as oldthecaritself, congestion inmajorurbanareas also themost populated area intheentire Nordic region. discuss a growing issue: traffic congestion. Sweden’s down thebridges andtunnelslinkingthecityof islands, capital, located on~75square milesacrosscapital, 14islands, is “People everywhere are afraid of change,” Landahl told The concept was simpleenough:eachSwedish- Traffic, wherever itoccurs, isnothingnew. Whilenot At thetime, Stockholm County’s populationwas So when a century later,So whenacentury Stockholm officials decided Gustaf Landahl was of part theStockholm city

industrious 60 — 61 63 — 62

GOVERNMENT ↑ Aerial view of highway interchange industrious GOVERNMENT ↑ When acarentered orleftthecontrol pointboundary, the control points. For carswithouttransponders, tags to Swedish drivers. Once installed, thesetriggered from hisStockholm home, was complex. the traffic system, afirst-of-its-kind operationof part ofpart theIBMteam. Theprocess, hetold Industrious build andoperate thetechnical operations thatcomprise strategically placed around cityexits andentrances. one of two sensingmechanismswas activated. automatic payments whenthevehicles passed through image was automatically sentto aprocessing facilityfor impacting cityinfrastructure that’s usedevery day.” impressive complexity andscale. data. data. digitization andcross-check against vehicle registration cameras photographed front and backlicense plates. The Man rides bicycleoncity bridge “So many needto parties integrate,” hesaid.“You’re The optical character recognition software was a The Swedish Road Administration issued transponder IBM was chosen astheprimecontractor to design, For thepilot,18roadside control points were Miro Holecy, anIBMGlobalTransportation CTO, was IBM Research developed analgorithm-based recognition till the moment it began. till themomentitbegan. viewing anglewas found. Since notall license platecamethrough imagery clearly, took busesnoticed they ran ontime. People inthecity through thecity much quicker,” who Landahl said.“Those technological breakthrough inandof itself, Holecysaid. percent, were saidLandahl, against theprogram rightup noticed adifference innoiseandair quality.” be—an important part of part thisproject, important accordingbe—an to Holecy. stayed home.” expect,” Holecysaid.“On thefirst day, many people system thatmimicked thehumaneye, scanningnearly of images was secure andaccess to datawas strictly images were captured,” thetransmission hesaid,“that illegible text by moving theimage around till theoptimal controlled.” “Some Othersdidn’t saiditwould fail. know whatto “We hadto ensure“We thatonly cropped license plate According to polls, themajorityof people—60-70 As time went on, “the peoplewho drove,As timewent on, “the drove Data protection requirements were—and continue to “The people whodrove, people “The drove they ranontime. People inthe busesnoticed those whotook muchthrough quicker, thecity and airquality.”

city noticed adifferencecity innoise —Gustaf Landahl, Cityof Stockholm Landahl, —Gustaf

The cityisnow usingvideoanalytics for license plate A few years ago, prices were raised, to noopposition, first timeany European residents elected to adopt a road to thetransit system. traffic was moving somuchfaster. the trial,” hesaid.“Itworked perfectly.” the project madeabigdifference initseventual success. Emergency vehicle response times are faster. Revenue Holecy said. Holecy said,“congestion isgone. Taxi companies, which Landahl. Landahl. generated from thesystem isbothputbackinto the worried they would loserevenue, found they could move gathered would befunneledbackinto Stockholm much faster.” Bustimetableswere adjusted because regularly communicated to thepublic. referendum. Stockholm residents voted infavor—the remote areas could leave theircarsfor theday. stayed down ~25percent, surpassing theoriginaltargets spots were addedoutsidethecitysothatpeopleinmore of 10percent to 15percent. and reduced CO2 levels, butalsoabouthow thefunds improved. Commercial transportandlogistics are easier. identification. Some of the tolling rules were adjusted. important part of part theprogram’simportant success, according to infrastructure. Landahl said—notjustimportant, aboutless traffic in August 2007;it’s beenrunninginStockholm ever since. cars,” was Holecysaid.Busservice expanded. Parking consensus. Legislation was passed. Andcityofficials charging system. “When you take“When aquarterof thecarsoff thestreet,” “It was to important give peopleoptions besides “All of itworked correctly, from before thetrialthrough “The taxes went backto“The thepeople,” Landahl said. The qualityof IBM’s technical solutionwas an The government permanently relaunched theprogram An important part of part thepilotincludedenhancements An important In Holecy’s estimation, theway Stockholm went about After thepilot,Swedish government released a More thanadecade later, air qualityismarkedly Public confidence inthe system grew astraffic levels First camenumerous studies. Thenpolitical Over time, hasevolved. theoriginaltechnology Communications aboutthebenefits were especially

industrious 64 — 65 GOVERNMENT “It’s really makingadifference.” They’re less stressed becausethey’re notsitting in Jan. 1, 2021. Jan. 1,2021. ↗ Stockholm model. SingaporeStockholm alsoworked model. withIBMon focus onotheraspectsof theirresidents’ lives. Less cars foundation, Holecysaid.Once that’s handled,citiescan Gothenburg, implemented theirsin2013following the bikes than cars!Iflew through thecity. That’s how it lessons inthemorning. means more roads for cyclists, for example. Less cars back-office system in2011.Milan’s system was roadblocks. life. resident since 1998,hasseenisanimproved qualityof should be.” spoke to Industrious. Hisyounger childhasswimming said, “can have asignificantimpactonsociety.” system for continual improvements, andalsointo city of foundational thinking—becausethisscaleof project used for recreational zones. and 5 kilometers back. and 5kilometers back. also meansless parkingspaces, whichcaninstead be around since 2003,withIBMlaunchingthetransformed a pilotinthe2000s, whileLondon’s system has been active congestion pricingsystems. AnotherSwedish city, introduced in2012. infrastructure. directly impactsthequality of life. Snowy streets inStockholm, Sweden “Today Inoticed how many bikes there were—more morningwe“Every cycle,” hesaid, 5kilometers there, “Congestion charging, ifimplemented properly,” Holecy “It’s somethingpeoplecanfeel every day,” Holecysaid. Today, just five majorcitiesaround the world have Implementing congestion charging setsagood People are healthier by breathing less carbondioxide. Holecy, afrequent traveler, was hometheweek he Holecy urges governments to start withthatkind New York issetto become thefirst UScityassoon One of the biggest benefitsHolecy, aStockholm

industrious 66 — 67 Groupama 69 — 68

With sensors in customers’ cars, Groupama Assicurzioni is reducing accidents, theft, fraud, even speeding

words: Matt A.V. Chaban

↖ Vintage Fiat in Rome, Italy INSURANCE 69 industrious INSURANCE ↖ Abruzzo down through Sicily, where organized crime Il Mezzogiorno, thesouthern half of thepeninsulafrom Assicurazioni (the Italianaffiliate of Paris-based vehicles from criminalsand even keep aneye ontheir When Groupama Assicurazioni began deploying smart families. from thetelematics program, which Groupama the customer. If no oneanswered, emergency services astelematicsthe industry insurance—they could receive the primary purposewas cuttingthe primary down ontheftandfraud Emanuele Scarnera, head ofEmanuele Scarnera, finance and business Groupama Group) hasbranded The as G-Evolution. were immediately sent. persists. launch. policyholders in privacy-sensitive Italy signedup for the real time. If one appeared serious enough (50orhigher service: moreservice: thanathird have opted insince the2015 helped prevent someinjuries from becoming serious or responders are deployed, according to Groupama, by knowing where vehicles were atall times. service has also helpedcustomersservice navigate safer, more unique challenges of carownership in Italy, particularly sensors into customers’ carsandtrucks four years ago, on a100-point impact scale), dispatchers would contact even fatal. it’s because something unfortunate hashappened,” a vehicle’s location and speed could reveal crashes in annual premium discounts of 15 percent to 25 percent. arriving faster than theymight have. otherwise Thishas development told at G-Evolution, Industrious. “Now, we direct routes, reduce protect reckless their driving, can easetheir trouble, oreven prevent it.” Sicily, Italy Coastal road nearTaormina, “Usually, when customers are reaching out to insurers, Yet themost unexpected surprise may behow many At thesametime, Groupama discovered that knowing If policyholders opted into thisIoT system—known in Some of thisearly adoption isattributable to the Saving lives was only thebeginningof the surprises On approximately 200occasions a month,first 60 percent below it creates thenorth, anactuarial telematics insurance canalsoreveal even themost the moment-by-moment GPS detection underlying the southismore economically depressed, withsalaries the driver to slow down oreven take a different route. there iseven ahope this could prevent crashes atsome business.the underwriting The historic work of risk fed into an algorithm andthen combined withtraditional the rear bumper. Telematics data of thevehicle’s precise traditional actuarial tables. Now we canrely ondynamic worked put it:“Gone on G-Evolution, are thedays of paradox: when peoplecan’t afford insurance, fraud number of theftsandfraudulent claims. And because likes to speed through aparticularly crash-prone section point. If G-Evolution’s algorithm knows acertain driver routes based on weather patterns orroad closures, and prevention will beabigand growing market for insurers.” new technology,” Santos said,“risk prediction andrisk protection and management will wane. to “Thanks movements at thetimeof thecrash andinthepast are subtle frauds. of theA51outsideMilan,whichisespecially treacherous of believes G-Evolution, telematics will overhaul on collision, then trieslumpin previous damage, say to and extract cash from policies, can tell G-Evolution ifa and crime are more likely. That only drives further up are twice due to ashigh as thoseinthenorth, thehigher insurance rates, leadingto more crime, andsoon. in therain, Scarnera saidthe system could encourage inspection tools to helpvalidate claims. data. Groupama cannowdata. help customers navigate their data for a dynamicworld.” customer who had alegitimate accident, maybe ahead- consulting lead at IBMGlobalBusiness who Services The precise location of avehicle helps withtheft, but The offerings have grown alongside the growth in According premiums to in theMezzogiorno Scarnera, As Praveen Velichety, adigitaland cognitive Beyond preventing accidents schemes to falsify Pedro Bernardo Santos, themanaging director

industrious 70 — 71 INSURANCEBANKING ↑ Cars in front ofSupreme CourtinRome, Italy ↗ to share withlocal governments. Such repairs both Nardocci never said.“We use itfor marketing or sales Nardocci, G-Evolution’s officer, chief technology GBS andaWatson IoT team inRome. greater trust with consumers. with proactive maintenance. mentions acappuccino sale—your favorite drink—at a home andcan tell notjust iftheoven is onorthewasher preventing accidents, automating claims or nicer now there to build cutting-edge services, whether beyond itsclosed platform, believes itcanengender because it has no interest inmonetizingdriver data lifestyle concierge asdrivingassistant. And Groupama, more dramatic, creating aplatform that’s asmuch braking significantly reduced: according to Groupama lower rates, hasdemonstrated G-Evolution animpact relaxed and reassured, knowing their teenage children said. “Before, there was alotof back-and-forth with strong This led Groupama to data. move itstelematics everyday needs, too?” earned them a lotof trust, sowho better to helpwith our expenses around 10 percent to 15 percent annually. operation in-house in April2017 with assistance from on aggressive withspeeding and dangerous driving, other infrastructure problems, which Groupama plans users: nosy, IoT-enabled parents. findthey’re “We more and keep it protected atall times.” among G-Evolution drivers.among G-Evolution are where they say they are,” Scarnera said. is overflowing but can turnthem off. Thecar then insurance risks inourlives,” Velichety said. “That’s insurance, Groupama isontrack to reduce claim innovation leader in Milan. improve rides and prevent damage to vehicles. quickly.” data, atleast 800crashesdata, have been avoided ayear customers. Now, we canget to yes ornomuch more coffee shop along anunfamiliar route. Itcould even help commutes,” Tiziana Tornaghi, anIBM cloud application Gemona del Friuli,Italy Tunnel under CastleHill in “We’re crystal clearwhatwe do with thedata,” “We’ve changed thewholeparadigm,” Simone “Insurers are already helping us dealwith theusual The next evolution of should beeven G-Evolution Thanks to themyriad features of telematics The socialbenefits extend to greater society, as well. Imagine aconnected carthatiswired into your smart And because good drivingbehavior isrewarded by “All thetools, all all themechanismsare thedata, wouldSuch services notbepossible without G-Evolution is collectingG-Evolution data on potholesand has alsoattractedG-Evolution some unlikely power

industrious 63-6472 — 73 INSURANCE

industrious 74 — 75 77 —

Rob High 76 IBM Fellow, VP & CTO of IBM Edge Computing 5G/Edge

TELECOMMUNICATIONS, MEDIA & ENTERTAINMENT ↖ Urban crowd from above ↑ Rob High 76 industrious 79

“Edge Computing is about placing work — close to where data is being created and 78 where actions are being taken.” — Rob High, IBM

How do you define Edge Computing? Why should enterprise businesses pay attention to it? Edge Computing is about placing work close to where data is being created and where actions are being taken. In other words, AI and analytics with lower latency, more efficient use of network bandwidth, better user experiences, higher protection of personal information, and enabling the continuity of business even in the presence of network outages. All this enables businesses to innovate, lower operating costs and improve employee and customer engagement. What’s the future of Edge Computing, and what’s IBM’s pivotal role in it? There are a few problems that need to be solved to gain the benefits of Edge Computing. We estimate there are 15 billion Edge devices currently in market—that will grow to 55 billion by 2022. Experts estimate that number will further grow to 150 billion devices by 2025. 5G will help fuel this growth, and Moore’s law of low- end chips is enabling it. Most importantly, we don’t know where the saturation point is for Edge Computing. These are all core traits of IBM’s hybrid cloud and multicloud management heritage. We are leveraging openness and transparency. The very same tradition of delivering and leveraging open source technology that led to the Red Hat acquisition is at the heart of our IBM Edge Computing offering, based on the Open Horizon open source project. We are working with a wide range of solution providers, hardware manufacturers, and systems integrators to build an ecosystem that gives our clients choice and enables us to build a strong value chain across our industry—while supporting enterprise needs. What’s the relationship between Edge Computing and IoT? Edge and AI? Edge Computing builds on the IoT tradition of connecting devices. However, as IoT devices have matured, expanding their functionality, it is now possible to transition from connecting and collecting sensor data,

← People record video with

TRANSPORTATION TELECOMMUNICATIONS, MEDIA & ENTERTAINMENT cell phones at night industrious We estimate there are 15 81 — billion Edge devices currently 80 in market—that will grow to 55 billion by 2022. Experts estimate that number will further grow to 150 billion devices by 2025.

sending it all back to the cloud and trying to make sense of it all there. Edge Computing makes it possible to do IoT more effectively, more efficiently, and to unlock innovations that were previously not possible. With Edge Computing, analytics and AI are placed directly on the device, local servers or in the network, moving the work to the data rather than sending the data back up to the cloud. Besides telcos, which industries will be disrupted by Edge? Manufacturing, Oil and Gas, Media, Retail, Travel and Transportation, Banking. In essence, every industry will benefit from the transformative effects of Edge Computing, whether that’s optimizing the performance of the production line; predicting the potential for equipment to fail before it creates a disruption to your operations; recognizing quality issues in real time; recognizing spillage or spoilage on the retail floor; protecting against theft and vandalism in the ATM vestibule; improving your driving experience and increasing road safety. Any ethical concerns around the advent of Edge Computing? A common concern is protecting our private and personal data. Edge Computing helps protect that information by avoiding the need to move that information. With Edge Computing, we can move the work to our own device so as to reap the benefits emerging products are able to offer without our data ever leaving that device. Our personal information never leaves our possession; it is never sent back to the data center where it becomes a bigger target for others to attack.

TELECOMMUNICATIONS, MEDIA & ENTERTAINMENT ← Airplane shadow over crowded beach 53 industrious RETAIL AND CONSUMER PRODUCTS What’s an words: Michael Todd Cohen snack? informed AI- 82 Foods Siro Cerealto → ↗ Image via CerealtoSiro AI-inspired peaandlentil snack Image viaCerealto Siro Cerealto SiroI+dea Center

industrious 82 — 83 85 — 84

“I think we’re very close to a revolution related to how we and even associate ingredients with particular emotions. The results from I+Radar weren’t centered around produce our food,” Carlos Herrero, Digital Transformation Once deployed, I+Radar came back with results ingredients alone. Data showed interest in sustainable Director at Cerealto Siro Foods, told Industrious from his around a strong interest in low-sugar, high-protein foods and eco-conscious packaging and production as well, an office in Madrid. and hearty grains like quinoa and spelt. Cerealto Siro then area that Cerealto Siro intends to focus on in the coming Cerealto Siro has 17 production centers throughout applied that data directly to the innovation process and years. the world, including Spain, Portugal, Italy, Mexico and the finally to its production line. “We need to be a sustainable company,” said United Kingdom. The company sells over 400,000 tons of “Customers want to be very healthy. Of course, this has Herrero. “Working with food, it’s very important to have products each year and holds efficiency and innovation as impact in our work,” said Martinez. The results, he adds, sustainability. This is critical for us: a real sustainable central values. “have been very, very good.” economy, including the supply chain from the vendors “It’s lucky for us,” said Herrero. “We are a company In fact, Martinez believes the technology has to the final product reducing waste and looking for zero that loves to implement technology, to implement fundamentally changed the way the team works. waste.” innovation to improve. It is in our core.” “Since we launched I + Radar last year we have Within Cerealto Siro, Herrero points to simplification of In June, the company announced its first AI-informed developed hundreds of ideas, prototypes or products process and collaboration across silos as keys to making snack— a pea and lentil rice cake—had hit shelves in the inspired by the opinions of consumers, gastronomic blogs digital transformation happen. UK. or scientific websites,” he said. “With I + Radar we have “To work together is more and more important,” he “The consumer is going to demand new products, access within hours to millions of opinions, or information said. “In the last three years, I’ve started talking with more personalized products,” said Juan Carlos Martinez, related to food, brands, products—something that we did people I’ve never talked with [before]. Maintenance Director of I+dea (an innovation group within Cerealto Siro not always do because it was such an effort in time and people, R&D people. Ten years ago, you had many, many Foods). “The technology needs to adapt to continuous resources. Now, all this information is either improving silos.” changes. Manufacturers have to adapt their production products or becoming new ones.” On the heels of the development of the I+Radar lines in order to produce these different products for But the success wasn’t achieved through technology tool and looking towards a future of breakthroughs in different needs.” alone, according to Herrero. A view into industry sustainability, Martinez believes there’s an essential AI-informed snacks, like the sugar-free rice cake knowledge around the business case and practical ingredient the company has gotten right. snacks, are made possible through I+Radar—a new application of the technology was of paramount “You can create what people are going to need in the tool built in partnership with IBM and I+dea. The tool importance. future,” he said. “But you need, of course, the right team leverages Watson and the IBM Cloud to mine social “We found that IBM could relate our technology to to create that innovation, and this has been an example of media, scientific journals and magazines, among other a real case,” he said. “The most interesting step of the that.” sources, for what the public craves most in the food they process was the discussion with IBM people about how to eat. The tool can identify trends down to a hyperlocal level create the model.”

↑ Juan Carlos Martínez, Director of I+dea ↑ Carlos Herrero, Director of Digital Transformation Image via Cerealto Siro RETAIL AND CONSUMER PRODUCTS Image via Cerealto Siro industrious INFLUENCER Influencer 86 ↖ society. across economy and navigate disruptive change and government leaders entrepreneurs, investors of theFuture, and helps bestseller The Industries of TheNew York Times innovation. Heistheauthor leading experts on Alec Ross isone America’s Rice field inTukuyu, Tanzania Technology expert policy Alec Ross

↑ Alec Ross

industrious 86 — 87 INFLUENCER That may seemlike aboringanswer, butthehonest In your career, you’ve andinnovation seentechnology https://ibm.co/Industrious7AlecRoss More: years for will technology take mundanityoutof ourlives tasks. Thinkabouthow muchless timeittakes to do that were previously given to mundane, time-consuming willtechnology give usbackmonthsoryears of ourlives truth isthatincreasingly powerful applicationsof technology in a very powerful inavery technology positive andvery took anancientsupply chainandbrought itinto the21st to monitor thepurchase, storage, distribution and 80 percent of theworkforce. To stabilize themarket way, principally through theendof itsisolation:both grain market andhelpstabilize thelarger Tanzanian research today now thatwe have theinternet. Think being, providingbeing, 85percent of exports andemploying returns for farmers. Theeffect hasbeento stabilize the effectively andenjoyably. example, agriculture isessential for economic well- economic andinterms of information. InTanzania, for the next few years for to technology truly have an economy. at work andhomefree usto spendthattimemore about how muchfaster andmore efficientoursupply a valuable resource andimprove access to food and and thewidereconomy, a29-year-old Tanzanian lift upcommunities across theglobe. What isthemost coupled withubiquitous connectivity. Thenext few chains are becauseof theapplicationof dataanalytics impact onourglobalsociety? century. Analytics are now beingusedto better manage consumption of grain across Tanzania. Grainy Bunch called Grainy Bunch.It’s abigdatatool thatusesapps computer programmer developed amobileapplication significant impact you’ve deliver seen technology to a community? Sub-Saharan Africahasbeentransformed by What isthegreatest you opportunity envision in Our most precious resource isnotmoney, it’s time.

↑ United Nations inNew York, NY General Assembly chamber atthe

industrious 88 — 89 INDUSTRIOUSBANKING ↖ trafficking human disrupt to data on Banking district commutersin Hong Kong Blurred motion ofdowntown 91 words: JustineJablonska human exploitation Data hubishelpingexpose

industriousIndustrious 9053-54 — 91 93 — 92

“If you can track the money, you can track the people.” —Anjuli Bedi, Associate Director of Psychometrics and Predictive Analytics

That’s why John McGrath built the Traffik Analysis Hub: global non-governmental organization focused on to help financial organizations identify where human human trafficking prevention. Attendees included law traffickers are benefitting from trafficking, and ultimately enforcement agencies, NGOs and, importantly, financial disrupt human trafficking networks at their source. institutions. They all identified a need to share data. And he’s doing it through data: first gathering data at McGrath found some relevant data sets online. He built scale, then using AI to refine and enrich that data. prototypes, and then worked with STT to build some more: “So that we can identify global hot spots,” he said, a map interface with hot spots, heat maps, markers. He “and identify where trafficking routes happen, what the shared the prototypes in a follow-up workshop. transit points are, what types of trafficking are prevalent in “We gave them a vision for how this system could be different time periods and different locations.” brought together,” he said. The global estimates of human trafficking vary precisely One of STT’s core goals is raising awareness of human because of the nature of the crime: the victims disappear, trafficking through providing a clearer look into what’s uncounted and unreported. It’s estimated that around 40 happening on the ground globally. million people are in circumstances of human trafficking in The work of McGrath and his team has transformed the a given year. The global revenue, meanwhile, is estimated way STT works to achieve that goal. at around $150 billion a year—making this the third-largest “Everybody holds part of the story,” STT CEO Ruth and fastest-growing criminal activity in in the world. Dearnley said. “Whether the person in the village; on the McGrath, an IBM senior solution architect, street; in the bank; or the person trying to prosecute and began building the Hub in 2016. He was facilitating arrest. We needed to bring those stories together, to weave a workshop in London for STOP THE TRAFFIK, a them into a tapestry that would show us a story bigger than any one person held. IBM gave us that possibility.”

↑ ↗ Blurred motion of crosswalk Dawn commute on London ↑ Stockholm

BANKING in Japan Bridge in London industrious “Everybody holds part of the story. 95 — Whether the person in the village; 94 on the street; in the bank; or the person trying to prosecute and arrest. We needed to bring those stories together, to weave them into a tapestry that would show us a story bigger than any one person held. IBM gave us that possibility.” —STOP THE TRAFFIK CEO Ruth Dearnley

BANKING ↗ Tree-lined avenue in Tokyo, Japan industrious 97 — 96

A crucial component of that story is money. It’s McGrath. AI engines, including IBM Watson, are another said. “When you look at the detail behind this particular The Hub highlights particular patterns in the financial estimated that one percent of criminal proceeds from source. incident, it’s people being trafficked into the agricultural transactions. McGrath demonstrated a transaction pattern trafficking are confiscated or disrupted, according to Consumers of the data include law enforcement business in Northern Ireland via Dublin.” flowing from Dublin through to Lagos. It’s highlighted financial crime expert Geraldine Lawlor. agencies: “They pull the data offline and do forensic On the screen were lavender dots, crisscrossed lines. because of physical proximity to an old hotspot for “That is an extraordinarily high profit margin and why it analysis on it,” McGrath said. They connected across cities, countries, continents. trafficking. With this capability, the Hub is providing is so lucrative to those involved,” she said. At STT’s office last month, McGrath walked me through Humans, being bought and sold and moved. financial institutions with a notification that, in the McGrath and his team are working with financial the Hub. On the map interface, he clicked through various NGOs like STOP THE TRAFFIK have never had this kind haystack of potential transactions, this one may be where institutions for that reason: if you follow the money, you menu items. of information before: stories being woven together into a the needle is located. can also follow the flow of humans being trafficked. Money “These are clustered markers,” he explained. “They more complete picture. “Where did they go? How? Who gave the money? laundering is a prevalent part of human trafficking, so give us a count, intensity color and time period. We’re “This system can tell you where the transits and the Who took their passport? What borders did they cross?” they’re identifying patterns of anomalies in transactions looking at the data we have from Watson, Google Earth sources are,” McGrath said. “You can find out which other Dearnley said. “With IBM we’ve begun to build that data, related to laundering. and the NGO community.” partner NGOs have more detail, or more data and specialty identify patterns, identify hot spots.” “We’re starting to identify patterns developing in McGrath pointed out clusters of intensity in the Indian in the sources. So you can form collaborations.” The next milestone McGrath is working into the specific locations for specific types of transactions, and for subcontinent and the UK. McGrath is working on a prototype for financial Hub is projection: looking at patterns in the data that specific types of trafficking,” he said. “If we were to zoom in and break these clusters apart, institution data so that banks too can collaborate and exist historically, and seeing if those patterns are being That’s something financial institutions have never had we can see some of the raw data behind them,” he said. share data. The prototype is based on red-flag indicator repeated in real time. One day, perhaps, the Hub will be access to before: pooled data from multiple sources— The Hub doesn’t store any personal or sensitive data for transactions that have exceeded the Thomson able project what may happen in the future. NGOs, publicly available news via AI and other peer information. The data is stored in the IBM Cloud, and Reuters Foundation rules. The non-attributed data doesn’t “The transactional information is real time or near- financial institutions. That gives them a view beyond their because it’s non-specific, the jurisdiction in which the data contain specifics around entities or persons. It does tell real time,” McGrath said. “If we can identify past patterns own internal horizon. Which, in turn, allows them to better is located isn’t an issue. when the transaction occurred, the rule or trigger it fell when known events occurred, we can possibly match focus the microscope. McGrath clicked on another part of the map. afoul of, the source and destination cities. those patterns to what we’re seeing developing right now. In the Hub, each authenticated participant gets access “An additional important feature here is the location McGrath uses this kind of data to do a proximity Which may give an indication if something’s occurring right to a map interface, news explorer, and analysis register. type,” he said. “In this case it’s a transit point.” correlation. now that we’re not aware of yet.” The map is important, because it generates hot spots McGrath zoomed into a transit point related to an event “We can overlay for a particular type of trafficking and a based on different representations of data. That data has that occurred in Romania. particular period in time,” he said. “The financial anomaly come into the Hub through various ways; including NGOs “The source of the incident is Romania, and it’s data can be overlaid with the heat map of the incidents like STT sharing their own manually curated data with connecting to both Dublin and Northern Ireland,” he from the NGO community.”

More: ↑ Blurred motion of crowd in https://ibm.co/

BANKING market at night industrious7trafficking ↑ Shinjuku Station at night in Tokyo, Japan industrious INDUSTRIOUSSECURITY OT: “The reality isthat reality most“The organizations ↖ words: John Zorabedian andAnshulGarg transformation in theage of OT security Cyber

have awareness low security cyber and a heavy relianceand aheavy onphysical security.” Jiangxi Province, China Power plant pipelinesin —Rob Dyson, IBM 99

industrious 98 — 99 SECURITY ↑ with the lack of OT security. leader atIBM,organizations are just beginning to reckon arise. but as with any digital transformation, challenges can of automation andincreased efficiencyandproductivity, (OT) systems. OT Thesesmart systems offer thepromise transformation by merging IT withoperational technology have, in recent years, taken advantage of digital digitizing world, publicutilitiesandindustrial companies a flood. attackers to access controls for adam sluiceway, causing vulnerabilities inanIoT gateway could have allowed 2018, IBMX-Force researchers demonstrated how centrifuges inIran’s nuclearprogram. At BlackHat Nearly adecadeago, theStuxnet worm destroyed blackouts inanattack onaUkrainian electricalgrid. longer sofar-fetched. harm to populations. plant ormedicalfacilitywith the intent to causephysical Attackers infiltrate the control systems of adam,nuclear equipment to incapacitate amanufacturing facility. to go out.Adestructive attack sabotages industrial movie: acyberattack on a power plantcausesthelights They soundlike scenes from aHollywood blockbuster night in Thailand Aerial view ofoilrefinery at According to Rob Dyson, Global OT Security Services Mindful of theneedto remain competitive ina In 2015,nation-state adversaries caused widespread Once thestuff of science fiction,thesescenarios are no ↗ station control roomsimulator Operator innuclearpower typical cybersecurityattacks, leaves little room for error. situation even more challenging. to mitigate risk. Disjointed IT andOT teams make the measurable cybersecurityprogram of aspart astrategy majority of OT teams likely donot have aconsistent, to the internet, theodds of acyberattack were slim.The cyber security—when OT systems were notconnected concern,primary butkeeping thelights on is. for example, confidentiality of information isnot of are notfully relevant inthisspace. Withanelectricutility, IT securityKPIsof confidentiality, integrity and availability environment are unique. Thekey difference is the typical choice for itself. knocks abusiness offline or thecompany makes that and lost business—whether it’s adestructive attack that offline canbefinancially damagingdue to lost productivity to shut down everything to stop theattack. Butgoing incident, theorganization decidedithadno choice but attack. Lacking anestablished plan to dealwithacyber disconnected from its network when it came under cyber awareness andaheavy reliance onphysical security.” reality isthatmost organizations have low cyber security security processes for OT environments,” Dyson said,“the The risk of anOT attack, whilestill low compared to OT teams alsohaven’t traditionally neededto consider Dyson said that security challenges inthe OT One organization heconsulted, for example, simply ahandfulof organizations“While have some defined

industrious 100 — 101 SECURITY ← they all want to improve theirsecurityprogram.” started,” have Dyson said. “They onethingin common— on theirmaturityprogram, while some are just getting investment andrecalibration. doesn’t happenovernight. Itrequires sustained planning, optimized, automated andproactive OT securityprogram security journey,” Dyson said. understand isthatevery client is on theirown unique OT with IBM to create aroad mapandprioritize investment. potential attackers did, allowing thecustomer to work because IBMpenetration testers caughttheissues before uncovered serioussecurityholes, theresult was positive that could control theOT environment. Whilethetest of many systems, including the SCADA application real attack. IBMconsultants were ableto take control offline for testing was not an option. inadvertently created by employees. Buttakingsystems in theirsecurityprocesses andfindvulnerabilities systems, the company wanted weaknesses to identify IBM for help. control anddataacquisition (SCADA) network, and asked wanted to increase therobustness of theirsupervisory scratch. OneEuropean energy andutilitycompany organizations to secure their OT, many are starting from attacks alsosignificantly target theoil and gas sector. X-Force were inthemanufacturing industry. Destructive $239 million. Halfof thedestructive attacks studied by And destructive attacks cost companies anaverage of attacks increased by 200percent in the first half of 2019. Incident Response andIntelligence Services, destructive data breach. IT andindustrial systems are far costlier thantheaverage Destructive attacks of thetypethatcan disabletraditional Hampshire, England Gas storage plantswitchgear in “Some of ourclientsare putting thefinal touches Moving from anadhoc,reactive approach to a fully “One of themost powerful things we’ve come to IBM tailored aseriesof securitytests to simulate a Due to theextreme criticalityof theprocesses andthe And thoughthere’s increased urgency for industrial According to an August 2019report from IBMX-Force More: malware-attack to-respond-to-a-destructive- yintelligence/are-you-prepared- https://soundcloud.com/securit

- industrious 102 — 103 105

Climate change equals — Do you know water change the cost? 104

words: Justine Jablonska photos: JP Lespinasse ENERGY, ENVIRONMENT & UTILITIES industrious 104 ↑ Traffik 107 — 106

A red cotton t-shirt: 700 gallons of water An eight-ounce steak: 920 gallons of water Espresso, milk and cup for a latte: 126 gallons of water ENERGY, ENVIRONMENT & UTILITIES industrious A soccer ball. A coffee cup. A plastic toy. All frozen in

blocks of ice along a lake in Atlanta, Georgia. 109 “Everything we use, buy, sell, eat takes water to — make,” IBM Global Creative Director Mark Fredo told

Industrious. That’s why, on World Environment Day, 108 he and his team froze everyday items in the amount of water it takes to create them. The ice stunt was part of Forecast: Change, a new IBM-The Weather Channel initiative to help combat freshwater scarcity around the world. The installation was created specifically to drive awareness—because it’s difficult for people to connect how an individual, local action can impact a global problem, according to Fredo. “Everything has a water cost,” he said. “When we know the cost of items we use every day—handbags, jeans—then we’re conscious of how we can make ethical choices.” Know the cost means exactly that. A red cotton t-shirt: 700 gallons of water. An eight-ounce steak: 920 gallons of water. Espresso, milk and cup for a latte: 126 gallons of water. Meanwhile, more than two billion people around the world lack access to safe water. In the next five years, two-thirds of the world’s population could be living in water-stressed areas, the United Nations estimates. “As the planet warms,” Fredo said, “we’re seeing a compromised ability of the planet to sustain clean water. Climate change equals water change.” Forecast: Change includes partnerships with NGO charity:water and The Nature Conservancy. “IBM is giving away a million dollars in clean water this year,” Fredo said. “$500,000 in cash, $500,000 in kind.” The ice blocks melted in various stages throughout the day—the plastic dinosaur finally freed from its icy cage. The melted water was filtered and channeled into a drinking water fountain. Fredo’s team also created a Chrome Browser extension. ibm.biz/knowthecost helps users learn the water cost of their online purchases. It’s not a war on commerce, he explains, but an understanding of consumption. “It’s about connecting the dots,” Fredo said. “What’s the one action you can take?”

More: ↑ Traffik

ENERGY, ENVIRONMENT & UTILITIES TheWaterChannel.org industrious QUICK TAKES Quick abouttechnology? What inspires you answer thequestion: 10 leadersof industry

110 access toit. to childrenwhomightnototherwisehave disasters orbeamingdistance-learning that helpnationsbetterpredictnatural world, whetherhousingterabytesofdata potential oftechnologytodogoodinthe I’ve beenespeciallyinspiredbythe or sound.InmyworkinHybridCloud and thatpossibilityextendsbeyondsight all oursenses—itinspiresthewhatif, technology providesinspirationacross colors ofasummersunset.Forme, represented inartthroughtheiridescent of inspiration,afeelingmoreoften Technology mightseemanunlikelysource interface andcontactfirstresponders. the devicesthroughareallyintuitive clustered, civiliansareabletogeton is deployedinadisasterareaandthen rubber ducks—oncethisnetworkof“ducks” the equivalentofabunchhi-tech an emergencycommunicationnetworkwith Or howtheteamfromprojectOWLcreated through somethingassmallawatch. now monitorandassistemergencyworkers where they’reneeded.Thinkofhowwecan bring computingpowerandconnectivity technology isbecoming,allowingusto I’m inspiredbyhowtransportable —Memsy Price,Editor-in-Chief IBMGovernment,Healthcare&LifeSciences —Jerry Longyear,CMO IBM HybridCloud → Pink spotted bokehlight background

Takes:

industriousIndustrious 110 53-54— 111 QUICKINDUSTRIOUS TAKES ← innovative storieslikethese surface economy. We’reseeing inspiringand bring ruralcommunities intotheglobal platforms areleveraging blockchainto for employeesafety; howdigitalcommerce companies areusing predictive analytics for proactivecare;howtransportation companies arecreatingbetterinsights It’s beeneye-openingtoseehowhealthcare creating platformsforpositivechange. The mostremarkabletechnologyisabout eliminating hazardsintheworkplace. improving workersafetybyidentifyingand best timetoapplyit;allthewaythrough on thebesttypeoffertilizer,and gold reservesfaster;fromadvisingfarmers ordering cementonamobileapptofinding the expertiseofanagingworkforce;from sourced cobaltinCongominestocapturing to millennials;fromtrackingresponsibly to makingheavyindustriesmoreattractive energy efficiencywhenmanufacturingcement an offshoreoilplatform;fromimproving playing asimplegametoremotelyoperating technology use,youcandoanything:from importantly theimpacts.Withintelligent are notjustthepossibilities,butmost What inspiresmegreatlyabouttechnology critical. equally is leveraged differently, but tokids,parents technology Across each generation, from livespeoples’ thanever. easier andstayingpersonalized, in less stressful, shoppingmore Technology make helps travel friends, that’s awinfor me. connected withfamilyand experiences usstay andhelps enhancesWhen technology IBMNaturalResourcesIndustries —Manish Chawla,GlobalManagingDirector IBMConsumerIndustry —Cheryl Caudill,CMO UV spotted bokehlight background

movements. the purposeofteams,organizationsand regularly. Truly,technologycanelevate that cansolveanyproblem. right way,that’sa powerful combination technology andhumansworktogetherinthe services byempoweringyouremployees.When data, orprovidingbettercustomer understand yourstructuredandunstructured whether it’stheabilitytobetter accelerate anythingyouapplyitto, Technology givesyoutheabilityto that’s inspiring. want tomiss any of Now it. what tomorrow brings. Idon’t and I’m forward solooking to is thesame asitwas yesterday, applications.century Nothing networks for 21st- unimagined cities, andtransformed telecom analyticstomake used smarter commercialized open-source, into acommerce platform, at chess, builte-business the nuclear stockpile, won the humangenome, simulated of projects thatpart mapped inspire. tobe I’ve blessed been world-changing results that charge my phone, butit’s the amaze. Today your phonecan Technology continues to IBMServices,GBS —Stephen Leps,Editor-in-Chief IBMEnergy,Environment&Utilities IBMTelecom,Media&Entertainment; —Richard Michos,CMOGlobal&NorthAmerica IBMServices,GTS —Michael Fasciano,Editor-in-Chief

industrious 112 — 113 QUICK TAKES ↗ Technology needstomakesureitflows. about theplumbing,aslongwaterruns. Shareholders andbankcustomersdon’tcare implemented correctlyandusedsmartly. banking industrytoperformatitspeakif expectations. Technologyenablesthe provide anexperiencethatexceedstheir employees todelightmycustomersand bank, technologyneedstoempowermy advance abusinessbenefit.IfIam Technology isonlyinspiringifitcan can andwillmakeadifference. chairman describes,isIBM’smoonshot.We to everyone’slives.Andthat,asour more accessible,equitableandrelevant allow healthcareservicestobecome create collaborativecaremodelsto regional initiativeswillultimately local organizations,communitiesand it willbethroughtechnologythat new medicines.Ifirmlybelievethat the humangenome,intopopulationsand and newdataprovideusawindowinto blockchain, high-performancecomputing, healthcare, newtechnologiessuchasAI, As technologyevolves,sodowe.In on societies,peopleandourplanet. ingenuity; it’shadsignificantimpact Technology isevidenceofhumanityandits youfrom want. everywhere toworkhaving theopportunity It’s and mobility allabout UV spotted bokehlight background IBMBankingandFinancialMarkets MarketingLead — IBMHealthcare&LifeSciences —Susan D.Noack,GlobalIndustryExecutive Environment&Utilities IBMTravel&Transportation;Energy, —Maria Cotarcea,GlobalMarketingLeader Robert Mercorella,GlobalIndustry

industrious 114 — 115 “As we look ahead to how businesses construct their organizations for the future, an accelerated approach is key. It’s time to do business in a different way.”

—Juan Zufiria