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               ave you ever realised that of late you are calling   when you shop and targets you with advertisements that
               out to OK Google, Alexa or Siri more often than   are relevant. As soon as you land on a financial services
         Hyour spouse or kid’s name? Can you still call your   website, there is an ‘avtar’ asking you what you are looking
          television an ‘idiot box’, especially when it is smartly   for and presenting to you all that you need. Simple
          collating data on your entertainment preferences and   day-to -day machines such as washing machines with fuzzy
          patterns – a key decision-making tool to television   logic that ‘knows’ how much water to use and how many
          advertisers and content feeders? Google search is indeed   wash cycles to include based on pre-programed logic are
          a retail service that even your grandmother is now familiar   very basic instances of smart machines. We have taken all
          with. Today there is a bot out there behind every online   these in our stride.
          market place you visit, every page you view on the internet.
          While we may not be conscious of the machinations of   These are times when hardware and software converge,
          cloud computing, artificial intelligence, etc., we are directly   enabling machine to machine transfer of information.
          experiencing these in retail banking, financial services,   When every day appliances are talking and learning,
          online retail, etc. The machine learns your preferences   should high-end industrial assets be left behind?
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