Got to make those yearly objectives/appraisals count though.
It strikes me that data censored through transaction modality and then used to make marketing decisions may result in poor results.
Cash will be around for a fair time yet, but you have a point for any form of regular or recurrent expenditure. As the above pdf explains 'hoarding' of notes as a store of value seems strangely popular...
https://www.theguardian.com/technology/2017/jan/10/whatsapp-...
We'll see how that goes. I have a feeling most users will just opt in without much care.
https://www.theguardian.com/technology/2017/jan/26/google-de...
Why would it have to be secret if it's supposed to make people trust Google's AI more? And what are they hiding? Is President Duterte or a Saudi prince on that ethics panel? (serious question - we just don't know right now)
It's not "incredibly smart people" you need; it's "highly ethical people".