Banking on Blockchain


On October 21 Friday, Hong Kong’s TVB Pearl Money Magazine aired a feature program that looks at potential of Blockchain to transform the banking industry. In the program, Iqbal AliKhan, Strategy and Business Development Executive for the Global Payment Industry & Blockchains at IBM, was interviewed, and discussed why “permissioned” Blockchain is needed for secure transactions among banks.

The full program can be viewed here:

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Get ready for the cognitive marketing revolution



Everyday AI At Work Blog Series

Last month Chevrolet, the iconic US auto brand, launched the Chevy Global Positivity System to reinforce its association with a positive, never-give-up attitude, as part of its newest global brand awareness campaign. What’s notable about this is that the campaign breaks new ground in marketing by leveraging artificial intelligence to support brand engagement.

Chevrolet is leveraging IBM Watson APIs including the Watson Personality Insights – a cognitive computing service that extracts and analyzes a spectrum of personality attributes from things people have written – to help users of the Global Positivity System evaluate how positive they are through their social media posts by generating an overall positivity score. The Chevrolet Global Positivity System also identifies people’s most positive and least positive posts, their most frequently used positive words and emojis, and highlights their top three personality traits, such as excitement and self-expression. Then, the site encourages users to Find New Roads that may appeal to their traits, such as touring a museum or taking on a new hobby.

This may at first seem a little far-fetched but the Chevrolet campaign is just one example of how AI can be leveraged to reinvent branding and marketing. And that make the new field of cognitive marketing a potential goldmine.

Why? Because on the one hand it opens the way for highly-interactive, customer-centric marketing applications that go way beyond the conventional marketing tool kit of advertising, publicity, direct marketing and social media engagement. And on the other it works across the open social media data set, which is massive, enabling companies to understand and target particular customer profiles in their markets.

Ready for prime time

Early movers in cognitive marketing include social data company StatSocial, which has identified over 600 million social profiles and their characteristics, as defined by over 30,000 demographic and lifestyle variables, lifting the veil on social media audiences. Compared to conventional social media marketing – which tends toward throwing stuff against a wall, based on best guesses informed by limited data, and seeing what sticks – StatSocial eliminates the guess work.

And it’s not just demographics, geography, or even likes and dislikes. By integrating Personality Insights into its reporting, StatSocial can also tell you what percentage of your audience is anxious, ambitious, altruistic, angry, happy, and so forth. This enables brands to understand, segment, and target their audiences on the web with highly-personalized campaigns.

Independent online bookstore Alibris provides another great example of cognitive marketing. It leveraged Personality Insights to analyze an initial 1,250 authors to discover and group the works of those with similar personalities. It then invited users to name their favorite authors, submit book reviews or, better yet, provide access to their social media content in order to gain insight into their personalities and make better book recommendations. As a result, Alibris was able to increase the duration of website visits by 331%, decrease its bounce rate by 35% and improve its e-commerce conversion rate by 61%.

Doing it right

As a responsible corporate citizen IBM sees strong governance as going hand-in-hand with the successful application of AI across a broad range of commercial fields. That’s why we recently joined forces with industry’s other leading players to form the Partnership on AI, with the principal goal of supporting research and recommending best practices in areas including ethics, fairness, inclusivity and transparency.

As we look ahead at the development of cognitive marketing there seem little doubt that it will become an increasingly important item on the chief marketing officer agenda. After all, there’s no putting the AI genie back in the bottle and as with all technological points of inflection, considerable advantage goes to the early movers.

Are you thinking of getting to grips with cognitive marketing to drive innovative customer engagement? We’d love to hear where you see it making the biggest impact.

By Andy Wong, Executive, Marketing and Communications, IBM China/Hong Kong Limited


  1. Discover Your Positive Influence With the Help of Chevy and IBM Watson
  2. Think Blog: Find Your Positivity with Chevrolet and Watson

信用卡積分跨行共享 實現在望





以上景象也許很快實現。中國銀聯與IBM合作,利用區塊鏈技術 (Blockchain),開發跨行共享獎勵積分,並在9月剛舉行的上海區塊鏈國際周上即場示範。如開發順利,銀聯會員各行的紅利點,未來有機會通過交易系統轉換,對客戶更方便和吸引。


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「認知運算」分析貼文 辨用戶性情



利用 Personality Insights Service 建立的 Your Celebrity Match 工具


筆者曾在香港零售業協會講座上,示範用 Watson 認知運算技術來分析 Twitter 用戶的個人檔案,現場人士覺得很有趣。有140字限制的 Twitter 在日本遠比 Facebook 普及、香港的用戶亦相當多,讓筆者在這裏介紹一下。

「性格洞察分析」(Personality Insights Service) 是一個應用程式,以用戶在 Twitter 發佈的內容進行語言學分析。認知運算一方面統計字詞,同時也推敲用戶的語意和情緒,以辨別每名用戶在心理學上的五大性格特質:審慎或好奇、有計劃或隨意、外向或矜持、敏感或自信、熱情或冷靜,從而了解用戶的社交喜好和溝通風格。

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SAP HANA on Power 推動企業數碼化轉型



科技日新月異,市場瞬息萬變,企業必須進行數碼化轉型 (Digital Transformation),才能快速洞察客戶的要求。企業數碼化將是一個重大而且不斷發生的浪潮,根據市場調查機構 IDC 的最新報告,2017 年亞太區有 6 成企業會以數碼化轉型為企業未來發展策略的重心。

數碼化轉型既為企業帶來挑戰,同時也帶來機遇,IDC 預測,企業將投入 35% 的資金創造全新的商業模式。報告亦預計,企業於 2020 年對數碼化轉型策略的需求,將會比軟件程式建立的需求大兩倍,企業三分二的程式碼將集中在數碼化的程式及服務上。

數碼化轉型的其中一大挑戰是如何有效處理急速增長的數據量,物聯網的普及勢將在產業掀起巨大創新浪潮,伴隨物聯網的高度發展,全球正不斷產出前所未見的數據量,且數據的處理變得越來越棘手,企業間將掀起一場「數據革命」(Data Revolution)。

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Hong Kong Smart Glass Startup Taps IBM Cloud to Combine Augmented Reality and Cognitive Capabilities


Dragon Creative Primed for Growth and Innovation with IBM Cloud

Dragon Creative Enterprise Solution Limited (DCES), a local pioneer in augmented reality (AR) applications, has successfully migrated its software development and delivery operations to the IBM Cloud in order to improve time to market, access cognitive APIs and leverage IBM’s extensive go-to-market support.

A home-grown startup with a successful track record in public crowdfunding, DCES was established in 2013 to tap emerging opportunities in commercial applications of augmented reality, leveraging its award-winning MAD Gaze family of “smart glass” devices. Launched by DCES in December 2015, MAD Gaze is a smart glasses brand targeted at both business and consumer markets, delivering a superior user experience based on augmented reality.

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銀行「人機合一」 提升客戶體驗


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銀行利用人工智能於客戶服務,早已不是新鮮事。如星展銀行在2014年開始把IBM Watson 認知運算技術應用於熱線中心,協助職員加快處理電話查詢、提供更理想的客戶服務體驗。此外,日本三大銀行之一的瑞穗也在去年利用Watson技術協助處理客戶電話查詢。


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