Föhrenbergkreis Finanzwirtschaft

Unkonventionelle Lösungen für eine zukunftsfähige Gesellschaft

Posts Tagged ‘Technology’

2040 könnten in Deutschland 3,3 Millionen Fachkräfte fehlen

Posted by hkarner - 31. August 2017

Date: 30-08-2017
Source: SPIEGEL

Demografie und Digitalisierung könnten Fachkräfte in Deutschland schon bald zum knappen Gut machen: Bis 2040 drohen 3,3 Millionen von ihnen zu fehlen, warnen Forscher – und fordern Gegenmaßnahmen.

Bereits im Jahr 2030 könnten in Deutschland bis zu drei Millionen Facharbeiter, Techniker, Forscher und medizinische Fachkräfte fehlen. Zehn Jahre später, 2040, könnte diese Zahl sogar auf 3,3 Millionen steigen, wie aus aktuellen Berechnungen des Basler Forschungsinstituts Prognos hervorgeht.

Damit erwarten die Arbeitsmarkt- und Bevölkerungsforscher von Prognos nicht mehr ganz so viele fehlende Fachkräfte wie noch vor zwei Jahren. Damals kamen sie in einer Studie für die bayerische Wirtschaft noch auf eine mögliche Lücke von 3,9 Millionen fehlenden Fachkräften im Jahr 2040. Inzwischen wurden aber die Bevölkerungsprognosen korrigiert, es wird nun ein weniger starker Rückgang erwartet, was auch die Situation auf dem Arbeitsmarkt etwas entspannen dürfte. Den Rest des Beitrags lesen »

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Talk Is Cheap: Automation Takes Aim at Financial Advisers—and Their Fees

Posted by hkarner - 28. Juli 2017

Date: 27-07-2017
Source: The Wall Street Journal

Services that use algorithms to generate investment advice, deliver it online and charge low fees are pressuring the traditional advisory business

Automation is threatening one of the most personal businesses in personal finance: advice.

Over the past decade, financial advisers in brokerage houses and independent firms have amassed trillions in assets helping individuals shape investment portfolios and hammer out financial plans. They earn around 1% of these assets in annual fees, a cost advisers say is deserved because they understand clients’ particular situations and can provide assurance when markets fall.

In the latest test of the reach of technology, a new breed of competitors— including Betterment LLC and Wealthfront Inc. but also initiatives from established firms such as Vanguard—is contending even the most personal financial advice can be delivered online, over the phone or by videoconferencing, with fees as low as zero. The goal is to provide good-enough quality at a much lower price. Den Rest des Beitrags lesen »

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The Tech World Is Convinced 2021 Is Going to Be the Best Year Ever

Posted by hkarner - 27. Juli 2017

Date: 26-07-2017

Source: Technology Review

If the crystal ball is right, you’ll be eating lab-grown chicken nuggets in your autonomous car and thanking your lucky stars for male birth control.

Ride-hailing startup Lyft announced last week that it’s making its own self-driving car technology—a move that could help it meet an audacious goal of having autonomous vehicles chauffeur most of its passengers around by 2021.

It sounds a bit far-fetched, considering that autonomous cars are still largely in the testing stages, but Lyft is just one of many companies saying that 2021 will be the year that these vehicles finally get out on the roads en masse.

So, sure, it could happen. And going along with that positive line of thinking—assuming that we will, in fact, have self-driving cars in 2021—we wondered what other technological marvels and milestones await us in that magical year.

The answer was surprising. According to an array of predictions from tech companies and market researchers, plenty of changes are coming, including many more developments in transportation, lots of people spending time in virtual reality, lab-grown chicken, and, just maybe, male birth control. Den Rest des Beitrags lesen »

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Studie: Computer übernehmen bis zu 30 Prozent der Banker-Arbeit

Posted by hkarner - 25. Juli 2017

Experten sind sich aber nicht einig, wie sich die Technologisierung im Bankenbereich auf die Mitarbeiterzahlenauswirken werde.

Neue Technologien dürften bei den Investmentbanken Einzug halten und vielen der traditionellen Angestellten rund ein Drittel ihrer derzeitigen Arbeit abnehmen. Das geht aus einer Studie von McKinsey & Co. hervor. Der Wandel, der an der Wall Street bereits zu Sorgen über einen Verlust von Stellen führt, wird demnach möglicherweise nur ein paar Jahre benötigen.

Kognitive Technologien – also Programme oder Maschinen, die Aufgaben ausüben, bei denen einst das menschliche Gehirn unerlässlich war – sind inzwischen billig genug, damit Banken sie breit in Bereichen wie etwa dem Handel einsetzen können. Automatisierte Prozesse werden laut McKinsey „Kapazitäten freisetzen“ und es Mitarbeitern ermöglichen, sich auf Aufgaben mit höherem Wert zu konzentrieren. Dadurch würden unter anderem neue Ideen entstehen.  Den Rest des Beitrags lesen »

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In 10 Years, Your iPhone Won’t Be a Phone Anymore

Posted by hkarner - 27. Juni 2017

Date: 26-06-2017
Source: The Wall Street Journal

Siri will be the conductor of a suite of devices, all tracking your interactions and anticipating your next moves

It’s 2027, and you’re walking down the street, confident you’ll arrive at your destination even though you don’t know where it is. You may not even remember why your device is telling you to go there.

There’s a voice in your ear giving you turn-by-turn directions and, in between, prepping you for this meeting. Oh, right, you’re supposed to be interviewing a dog whisperer for your pet-psychiatry business. You arrive at the coffee shop, look around quizzically, and a woman you don’t recognize approaches. A display only you can see highlights her face and prints her name next to it in crisp block lettering, Terminator-style. Afterward, you’ll get an automatically generated transcript of everything the two of you said. Den Rest des Beitrags lesen »

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Wages through the ages

Posted by hkarner - 16. Juni 2017

Date: 15-06-2017
Source: The Economist

What history says about inequality and technology

The recent rise in earnings for skilled workers is a rare phenomenon

ONE factor behind the rise of income inequality in America over the past four decades is that the labour market has increasingly favoured the well-educated. Real wages for college graduates have risen by over a third since 1963, whereas wages for those without high-school diplomas have dropped. As more of the economy becomes automated, doomsayers worry that the gap between the haves and the have-nots will only grow. History shows, however, that this need not be so.

The recent rise in earnings for skilled workers is a rare historical phenomenon. Compiling records from churches, monasteries, colleges, guilds and governments, Gregory Clark, an economist at the University of California, Davis, has put together a comprehensive dataset of English wages that stretches back to the 13th century. Mr Clark notes that in the past the skilled-wage premium, defined as the difference in wages between craftsmen, such as carpenters and masons, and unskilled labourers has been fairly stable, save for two sharp declines (see chart).

The first drop came in the 14th century, and had nothing to do with technological change. Den Rest des Beitrags lesen »

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The Next Energy Revolution

Posted by hkarner - 13. Juni 2017

Date: 13-06-2017
Source: Foreign Affairs By David G. Victor, Kassia Yanosek

The Promise and Peril of High-Tech Innovation

The technology revolution has transformed one industry after another, from retail to manufacturing to transportation. Its most far-reaching effects, however, may be playing out in the unlikeliest of places: the traditional industries of oil, gas, and electricity.

Over the past decade, innovation has upended the energy industry. First came the shale revolution. Starting around 2005, companies began to unlock massive new supplies of natural gas, and then oil, from shale basins, thanks to two new technologies: horizontal drilling and hydraulic fracturing (or fracking). Engineers worked out how to drill shafts vertically and then turn their drills sideways to travel along a shale seam; they then blasted the shale with high-pressure water, sand, and chemicals to pry open the rock and allow the hydrocarbons to flow. These technologies have helped drive oil prices down from an all-time high of $145 per barrel in July 2008 to less than a third of that today, and supply has become much more responsive to market conditions, undercutting the ability of OPEC, a group of the world’s major oil-exporting nations, to influence global oil prices. Den Rest des Beitrags lesen »

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Technology, jobs, and the future of work

Posted by hkarner - 27. Mai 2017

By James Manyika, McKinsey Global Institute, May 2017

Automation, digital platforms, and other innovations are changing the fundamental nature of work. Understanding these shifts can help policy makers, business leaders, and workers move forward.

The world of work is in a state of flux, which is causing considerable anxiety—and with good reason. There is growing polarization of labor-market opportunities between high- and low-skill jobs, unemployment and underemployment especially among young people, stagnating incomes for a large proportion of households, and income inequality. Migration and its effects on jobs has become a sensitive political issue in many advanced economies. And from Mumbai to Manchester, public debate rages about the future of work and whether there will be enough jobs to gainfully employ everyone.

The development of automation enabled by technologies including robotics and artificial intelligence brings the promise of higher productivity (and with productivity, economic growth), increased efficiencies, safety, and convenience. But these technologies also raise difficult questions about the broader impact of automation on jobs, skills, wages, and the nature of work itself. Den Rest des Beitrags lesen »

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INSURANCE: WHERE HUMANS STILL RULE OVER MACHINES

Posted by hkarner - 25. Mai 2017

Date: 24-05-2017
Source: The Wall Street Journal

American International Group Inc. uses one of the industry’s leading algorithmic models to determine how much companies should pay for insurance.

It just doesn’t trust what the model computes on its own.

As part of an approach it started rolling out last year, the global insurance conglomerate pairs its models with human underwriters. The approach reflects the company’s belief that human judgment is still needed in sizing up most of the midsize to large businesses that it insures. AIG even has a nickname for underwriters who keep the same price as the model every time: “flat liners.”
Den Rest des Beitrags lesen »

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How America’s two tech hubs are converging

Posted by hkarner - 13. Mai 2017

Date: 11-05-2017
Source: The Economist

More than ever, Seattle and Silicon Valley are joined at the hip

WOULD your region care to be the next Silicon Valley? In most of the world’s technology hubs, local leaders scramble to say “yes”. But ask the question in and around Seattle, the other big tech cluster on America’s west coast, and more often than not the answer is “no”—followed by explanations of why the city and its surrounds are different from the San Francisco Bay Area. The truth may be more complex: in recent years the Seattle area has become a complement to the valley. Some even argue that the two regions, though 800 miles (1,300km) apart, are becoming one.

They have similar roots, notes Margaret O’Mara, a historian at the University of Washington (UW). Each grew rapidly during a gold rush in the 19th century. Later both benefited from military spending. Silicon Valley ultimately focused on producing small things, including microprocessors, and Seattle on bigger ones, such as aeroplanes (Boeing was for decades the city’s economic anchor). This difference in dimension persists. The valley has plenty of giant firms, but its focus is mainly on startups and smartphones. In contrast, Seattle is still more of a company town, with Amazon and Microsoft, both builders of big data centres, looming large. Den Rest des Beitrags lesen »

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